23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> USCB Corporation XXXX XXXX XXXX XXXX XXXX, PA XXXX I hearby request Validation of debt collection practice act ( FDCPA ). 
Statements alone are not sufficient evidence of debt. As establish in pacific concrete fcu v. kauano, XXXX Haw XXXX, a mere statement does not satisfy the burden of proof. therefore I request you provide : XXXX. The original contract or agreement. XXXX. A detailed accounting of the debt, including all charges and payment made. XXXX verification from the original creditor that you have the legal right to this collection debt. Additionally, I demand that you cease and desist from all communication with me, as provided by the FDCPA. This includes, but is not limited to, phone calls, email, letters, or any other form of communication. Furthermore, this cease and desist request extends to any form of communication via my consumer reports. Thus, you must delete any entries related to this debt from all consumer reporting agencies.USCB CORPORATION XXXX  if you fail to comply with this request.
Product: Debt collection

I have asked them multiple times to evaluate the debt owed. 
The debt owed does not match the original court complaint or the judgment. In fact there is no Judgment. 

Broken leases happen all the time due to unforeseen circumstances. In our case, we are members of the LGBT community and we were discriminated against, with our previous landlord. Upon receiving a Court complaint we spoke with the landlord 's attorney and we moved out prior to the Court system entering an eviction. 

Both the attorney, the landlord and the court system over step their boundaries. As a previous court employee the court prevented me from presenting my case resulting in a removal. However we did advise the attorney and the landlord we were not there we moved out of state. As a result of it, months later Hunter Warfield Inc comes collecting a wrongful amount based on the landlord s statement. The landlord is not entitled to such a high amount that has prevented me from acquiring rentals, resulted in being homeless and more. 

I am demanding an investigation of this company for violations of FDCPA rules. 
I am also demanding an investigation against XXXX XXXX, XXXX FL under XXXX XXXX XXXX.
Product: Debt collection

My recent credit report showed a collection account from XXXX. I reached out to XXXX and filed a complaint and provided evidence that the account was settled in full. XXXX responded and indicated that the cancelled checks payable to XXXX were endorsed by NCO Financial and XXXX was never paid ; hence, the collection. Please see attachments of cancelled checks and correspondence from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple loans with Navient reported as delinquent when paperwork was filed explaining job loss. Loans should have been in forbearance during XX/XX/2018 through XX/XX/2018 as I had submitted paperwork to Navient explaining I was receiving unemployment and could not afford to pay my loans during this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX {$0.00}
Product: Mortgage

I am writing to dispute the denial of my approved modification, for multiple reasons. 

* Selene was mailing documents to the wrong address ; you had my address listed : I was not informed in a timely manner that my loan was transferred from XXXX to Selene, I never received email, mail, or a phone call to notify me of the transfer. The first contact I received was mailed on XX/XX/2022. 

A payment was supposed to be drafted from my bank account on XX/XX/2022, and was not because the Selene Agent I spoke with via telephone entered the account number incorrectly. My account ends in XXXX, and the agent entered XXXX. 

* On XX/XX/2022, I received correspondence ( dated XX/XX/2022 ) that my account was now in default, and I called on Monday, XX/XX/2022. I spoke with an agent I believe it was XXXX and explained the situation, and let her know I would have my bank mail a check to Selene. I got paid on XX/XX/2022, and XXXX XXXX  sent a check on XX/XX/2022. On XX/XX/2022, I called and spoke with a different agent I believe XXXX, to figure out what happened to the check I mailed. I was informed the check was returned. When I received the correspondence dated XX/XX/2022, it stated as the payment is less than the agreed-upon amount required to cure the default on your loan, was not certified funds, or was not the agreed-upon amount. I was told to send the final payment in the amount of {$540.00} which was the agreed amount from the modification from XXXX, nor was I told to send certified funds. The letter also stated, we have been trying to reach you in reference to reference to this payment. The only contact was via letter, with no phone or email attempts. When I spoke with XXXX, I asked for the contact information for my Assigned Loan Resolution Consultant, but she could not provide the information requested. I am asking again who is the Assigned Loan Resolution Consultant, and how I contact them? 

In closing, I attempted to make the 3rd payment both attempts were made within 60 days of my initial contact from Selene which was on or about XX/XX/2022, when I received the correspondence dated XX/XX/2022. All I am attempting to do is save my home and have the modification agreement I had in place honored. Again I ask that I receive any and all communication via electronic mail, as phone and USPS to date have been ineffective. 

Thank you and I look forward to a timely response. Thank you!
Product: Consumer Loan

threatened to take the cosignor on an old debt to court. Solicited information from her about how to get my work information by threatening to take her to court. I have just started a new job and after 3 days of working they 've already managed to call. I work where personal calls are not allowed and I could be reprimanded. ive read complaints against this company refusing to send information in writing and demanding to settle over the phone.
Product: Credit card or prepaid card

I received a letter that stated out of the blue that Capital One was closing my account and I needed to stop using my card which is a secured card that I paid them to get. It doesn't make any sense. I had an issue with the bank I was using for payments where they were not honoring any debits from the accounts and I didn't know this until last week. Capital One instead of talking to me about this ( even though a payment hasn't even been due yet to my secured account ) decided to charge fees and report to the bureaus that I am over my limit and they are the ones who charged fees that took me over it. This is insane. Who does that? It's unethical at best and they should be stopped as soon as humanly possible. I want everyone to know how they do business and it is dirty as can be.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1000.00}, I have disputed the inaccurate information multiple times with no response. 

2. XXXX XXXX XXXX. XX/XX/XXXX, {$280.00}, I have disputed the inaccurate information multiple times with no response. 

3. XXXX XXXX XXXX XXXX XX/XX/XXXX, {$440.00}, I have disputed the inaccurate information multiple times with no response. 

4. XXXX, XX/XX/XXXX, {$240.00}, I have disputed the inaccurate information multiple times with no response 5. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 6. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response XXXX. XXXX, XX/XX/XXXX, {$160.00}, I have disputed the inaccurate information multiple times with no response 8. XXXX, XX/XX/XXXX, {$140.00}, I have disputed the inaccurate information multiple times with no response 9. XXXX, XX/XX/XXXX, {$450.00}, I have disputed the inaccurate information multiple times with no response 10. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 11. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 12. XXXX, XX/XX/XXXX, {$270.00}, I have disputed the inaccurate information multiple times with no response 13. XXXX, XX/XX/XXXX, {$310.00}, I have disputed the inaccurate information multiple times with no response 14. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 15. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 16. XXXX, XX/XX/XXXX, {$410.00}, I have disputed the inaccurate information multiple times with no response 17. XXXX, XX/XX/XXXX, {$170.00}, I have disputed the inaccurate information multiple times with no response 18. XXXX, XX/XX/XXXX, {$200.00}, I have disputed the inaccurate information multiple times with no response 19. XXXX, XX/XX/XXXX, {$200.00}, I have disputed the inaccurate information multiple times with no response 20. XXXX, XX/XX/XXXX, {$340.00}, I have disputed the inaccurate information multiple times with no response
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

This inquiry was not authoPlease take action to remove this immediately. 





XXXX  by me, and I did not communicate with this lender on the specified date.
Product: Checking or savings account

Had an account with Wells Fargo. I was constantly being charged saying I was in an overdraft.I was charged XXXX  for bills that was paid.
Product: Credit reporting

In XXXX my mother in law died she had no living relatives to bury her. She had XXXX insurance policies signed over to the Funeral home XXXX/ XXXX XXXX . They took every penny. The funeral was priced at around XXXX. Being a widow I did n't not receive one dime of the proceeds. I took the budget funeral pkg. I do n't know what happened to the money, but I went to XXXX for the arrangements because they had received XXXX in a pre burial arrangement prior to XXXX XXXX demise. The next thing I found out was XXXX XXXX has transferred the arrangements to XXXX. There was always something shady about XXXX. I tried numerous times to contact him to no avail. Whatever transpired between the XXXX funeral homes is not my responsibility. The problem lies in the accounting and bookkeeping with them. I owed nothing before or after she was buried, well over {$20000.00} dollars went somewhere. The burial plot, cemetery fees etc were all paid for. I guess XXXX XXXX is the collection agency. This is true information no scam. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and have had a fraudulent personal loan opened in my name with a company by the name of XXXX XXXX I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. The address on file that XXXX XXXX have for this fraudulent account does not belong to me, and Ive never resided at the address. This company keep trying to validate this account as being a valid account, because this account was opened in my name which in inaccurate. I didnt consent, authorize, apply, nor request for this fraudulent personal loan to be opened in my name. I have several documentations showing that this is a fraudulent personal loan, but this company keep trying to validate this account with the credit bureaus as if this is a valid account. The address on file is does not belong to me, the account was not authorized to be open by me, and Ive been a victim of identity theft over a year. The XXXX police department deemed this fraudulent account as a fraudulent personal loan, and it is documented with the XXXX police department that, Im a victim of identity theft. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. When a consumer is a victim of identity theft that account that was opened in the consumer name will show that the account is a valid account. Due to the fact the perpertrator who opened up the fraudulent account in the consumers name used the consumers personal information to have the fraudulent account opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in the consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with this consumer. Im not going to be liable nor responsible for a fraudulent personal loan being opened in my name as if, Im the one that applied for this fraudulent account. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming this account as a fraudulent account, and this account need to be deleted/removed off of my credit files asap. This is not my account, and I shouldnt have to deal with an issue as such. I need assistance with having the account removed off of my credit files asap, and for this fraudulent personal loan to be removed out of my name immediately.
Product: Student loan

I applied for loan consolidation in XXXX and was told it takes 1-2 weeks to process. Fed loan sent me an email stating that the loans were being consolidated in XXXX. However, after I reveived the email that my loans were consolidated, on XX/XX/22 my older loans were forgiven and the newer ones that should have been consolidated and received the higher payment count were not counted nor included. They literally sent another email stating that now they can not finalzie my consolidation because the older loans were now at zero and a balance is required for consoldiation. Meanwhile they just sent an email listing all 4 loans are being consolidated days prior. It makes no sense and is completyely unfair and ridiculos. I was told its a mistake and they will escalate. Nothing has been done but empty promises. I filed a previous case and it was closed because staff did not speak to me or follow directions correctly. I want someone to look over this immediately. All of the loans should have been forgiven. together. I applied on time to consolidate and obtain the higher payment count under the guidelines on time. This needs to be resolved and the remainder of the loans need to be discharged. I have been promised a review for over 2 months and nothing has been done. The supervisor says everytime we just received word about all the issues that were submitted prior to yours so yous should come in any day now. Over 2 months later absolutely no resolution in sight. I did everything correctly and applied within the guidelines. They keep giving me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I attempted to lift the freeze on my credit reports with Experian, XXXX and XXXX. I was able to lift the freeze immediately on the XXXX   and XXXX sites. Experian would not lift the freeze either online or on the phone, and gave me instructions for mailing in my request, supporting documents and payment. 

OnXX/XX/XXXXI mailed all the requested information and my check via USPS Priority Mail with tracking. USPS confirmed delivery of my letter to Experian on XX/XX/XXXX 

On XX/XX/XXXXI received a " Dispute Results '' letter from Experian dated XX/XX/XXXX presumably in response to my request. It states that " Your personal credit report already displays a security freeze ... If you submitted a check, it was not cashed ... '' I have tried again to lift the freeze via the web site and by phone, with the same result, that I am directed to mail in my information and payment. 

I have been unable to speak to any person about this, there is only a phone tree. 

I need to have the credit freeze temporarily lifted because I have to move. I am in danger of becoming homeless because Experian refuses to lift the freeze. I consider this situation very serious.
Product: Debt collection

So, a company by the name of DSR has been reaching out for the last few weeks constantly on calls and texts. I never received any emails or letters in the mail from them, and now theyre calling family members constantly throughout the day and night. When they call they only say their name and that theyre calling from DSR. I called XXXX XXXX which is the company DSR stated they received my account from, and XXXX XXXX stated they never heard of DSR and that my account was sent to a XXXX XXXX XXXX back in XXXX.
Product: Mortgage

Company claims missed payments were made based on inaccurate account number because I " added XXXX XXXX  '' to the beginning of my external account number, meanwhile the company has an antiquated online payment system and there is no logical reason why I would pad my account number with XXXX. Even still, because of " company policy '', only after I submitted a complaint I'm not forced to make XXXX XXXX money order payments,
Product: Credit reporting or other personal consumer reports

am writing to formally report that TransUnion has not complied with the Fair Credit Reporting Act concerning an account that was placed on my credit report due to identity theft. 

I provided TransUnion with all requested documentation, including my FTC report and a police report, demonstrating that the account from XXXX XXXX XXXX is fraudulent. Despite this, the account was initially removed from my credit report on XX/XX/year>, only to be reinstated shortly thereafter. 

This action is in direct violation of the Fair Credit Reporting Act, as I have already shown that this account is a result of identity theft. Both XXXX and XXXX have already removed this fraudulent account from my reports, confirming that it does not belong to me. 

I demand that TransUnion immediately remove this item from my credit report and take appropriate measures to ensure compliance with the Fair Credit Reporting Act.
Product: Checking or savings account

Since XX/XX/2024, my employer 's HSA custodian has stopped crediting HSA contributions from my payroll to my HSA account. On XX/XX/XXXX, the custodian ignored a properly executed balance transfer request of {$170.00} to my XXXX XXXX HSA account. As of this writing, XXXX XXXX confirmed they have made XXXX additional requests with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX, had violated my rights. 

15 U.S.C 1681 Section 602 A. Section I have the right to privacy.

15 U.S.C.1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX  XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX Account name : XXXX XXXX retailer Account name : XXXXXXXX XXXX violates my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM NOT LIABLE TO THE DISPUTED ACCOUNTS, THOSE ACCOUNTS WERE NOT AUTHORIZED BY ME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORTING ACCURATE ACCOUNTS. PLEASE HAVE THOSE ACCOUNTS REMOVED FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME.
Product: Credit reporting or other personal consumer reports

XXXX child support is reporting on my credit report. Under the FDCPA and FCRA it is illegal for XXXX to act on behalf as a debt collector. My credit and my life have been harmed due to these false reporting. I will seek monetary damages against all involved.
Product: Credit reporting or other personal consumer reports

I pulled my consumer report on XX/XX/year> and I realized that the charged off account with XXXX XXXX XXXX XXXX should be deleted because of a time- barred statute of limitations. The last payment that was made on this account was XXXX XXXX. It is XXXX XXXX and this negative account is still reporting on my consumer report. This is a violation of my consumer rights. The amount is {$1300.00}.