23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

" On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There is a problem with the transaction, whereas tracking was added after the alleged delivery, but the item was never delivered nor received from the shipping company. An attempt was made to contact the seller via the item 's webpage and PayPal account email, with no reply. Attempts to contact PayPal directly have been impossible in writing, as the email associated with XXXX is not accessible. USPS states, " Your parcel, tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was scanned as delivered. I consulted with the carrier and retraced their steps to find your parcel. The carrier was unable to locate your parcel. I also conducted a physical search of the XXXX post office. I can only conclude that your parcel was misappropriated by a third party. You can avail yourself of the claim tools located at USPS.COM under the claim tab. I would also suggest contacting the shipper for a possible resolution. '' A refund is in order. ''
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
Product: Debt collection

SOUTHWEST RECOVERY has not provided proper validation of the debt and they continue to report to the credit companies. SOUTHWEST RECOVERY is not a licensed collection agency in the State of Florida. Since they are not licensed in the state of Florida they and not allowed to collect or report on debt on someone who lives in Florida. They by law must close this account and remove any reference of it from my credit reports.
Product: Debt collection

I have disputed this collections account on my report from Capstone CR a few times, and I have asked multiple times for validation of this debt. I have not once received the information to validate this debt and I do not/have not ever had a contract with them. Instead of providing the information to me, Capstone CR has deleted and readded the collection to my credit report, all done during the week of XXXX XXXX XXXX. Now this collection that I have asked and asked to be removed, has started the aging process over. I do not want to be stuck with this debt even longer now due to their unfair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account showing a 90 day late payment. Account was never 90 days late. It was always in deferrment. Even payment history shows account was current month before, then all of a sudden 90 day late payment. This is inaccurate reporting and needs to be removed immediately from all credit bureaus. See attachment from XXXX credit report.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX. Under penalty of perjury I swear this account is false and misleading. XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading. XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX Under penalty of perjury I swear this account is false and misleading. XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading. XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading. XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading. XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading. XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading. XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading. XXXX XXXX Account XXXX : XXXX. Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
I Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting or other personal consumer reports

Since XXXX, Equifax informs me of technical issues with credit file and to mail in another SS card and photo ID. Last week, told to send to a po box , and today a different po box . Documents were sent about 2 years ago for the legal name. The legal name change is added to file, and it reflects XXXX XXXX as well. I'm unable to move forward with financing. They advised the fraud alert was removed, but when puling credit, it is not. Now, send the same documents to correct the file - 'it 's a technical issue ', but no one can tell me what this means. If I truly need to place an alert or a freeze. this will cause an issue- if so, I will be mailing documents for the rest of my life. I am requesting EQUIFAX to fix my file entirely with no issues.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$14000.00}
Product: Credit reporting

a collection agency by the name of " XXXX '' continues to place a XXXX balance on my credit report for an account that DOES NOT belong to me. I have spoke with them directly as well as XXXX and explained that I was a victim of identity theft, which was documented on my credit report and my credit was even " frozen '' at one point while this was sorted out. Unfortunately they continue to report this and is now showing up as being in collection status, which I now need assistance in having it permanently removed.
Product: Debt collection

I would like to file a formal complaint against Central Portfolio Control XXXX Inc. 
XXXX XXXX XXXX XXXX, MN XXXX Number : XXXX - XXXX - XXXXFax : XXXX - XXXX - XXXX I do not have any debts that I am not aware of that would be in a collection agency and I do not understand why this company is calling me. I am on XXXX and Social Security Income ( SSI XXXX. I have Medicaid and Medicare, so I know that all of my Medical costs have been paid for and are being paid for. I also know that all of Student Loans are current and on time, and I also know that my Car Loan is Current as are my Credit Cards. So I believe this company is Calling and Harassing the wrong individual. Here is why : I was never sent a written notice within five days after I was first contacted by telephone by Central Portfolio Control XXXX Inc. They have also contacted my family members XXXX My Domestic Partner & Mother ) by telephone numerous times. I have phone records showing that they have called me at XXXX ( EST ) and multiple times in less than a 2 hour window. 

On the two occassions I have spoken to their representatives, I was spoken to very harshly ( they have used intimidating language and acted like legal actions would be taken against me - my car would be taken from me or my XXXXSSI benefits withheld or possible jail time ). The representatives gave me incorrect information about myself ; the address they told me I needed to confirm was not my address and I informed them that they did not have the correct address and that I did not feel they had the correct individual. They then proceeded to tell me that I Had to provide them with my Social Security Number, which I did not feel safe providing to them and at this they got extremely mad and I was hung up on in one case and in another I was spoken to like I was a child. I then asked them to stop calling me and to please verify what ever debt they felt I owed them and the representative stated I would receive a validation in the mail soon. I never received anything in the mail at all. If they can not provide an address I have lived at or live at currently then they obviously can not prove to me there is a debt. They also have not even told me how much this debt is for verbally or written or where it even originally came from. I am aware that companies like this one purchase debts for pennies on the dollar so they are not even the original creditor but I also am aware that I only have a car loan and student loans and credit cards and my monthly living expenses so there is no possible way I have any debts!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Accounts XXXX - XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX - # XXXX XXXX - # XXXX XXXX XXXX - # XXXX XXXX - # XXXX Have violated my rights. 
15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1691 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish a account without written instruction 15 U.S. Code 1681c - no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Debt collection

I received notice from a debt collecting law firm on XXXX XXXX stating that a law suite was being filed against me for a debt I owed to a creditor by the name of XXXX XXXX in the amount of {$8100.00}. After receiving this letter I pulled my credit report only to find that this bank reported this debt and charged it off as bad debt. After putting together a dispute letter to this law firm requesting validation of the debt, I was served with a summons and complaint on a debt that I know nothing of nor did I ever sign for any debt with XXXX XXXX. I will be answering my summons and complaint immediately because they did not submit competent evidence bearing my signature that I ever had any contractual obligation to pay this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been making PNC credit card payment regularly since XXXX after XX/XX/XXXX they stop taking ACH from our checking account I wasnt aware of that then one day I got call from PNC saying my account is past due I told that customer service lady I didnt know they stop taking ACH from my account so she said she can do now phone so I gave her my checking account number but instead of starting up payment XXXX she setup from XXXX They reported past due on my credit report so when I call them again the person on phone told me that the lady I talked to on phone last time she didnt setup from XXXX thats why I got past due report on my credit report now because of that I lost XXXX points I was pre approved for house loan my mortgage officer said because of that I will have to wait now
Product: Checking or savings account

I previously have written to complain that  Wells Fargo  opened accounts without my consent. the company wrote me a letter with a contact person and phone. I called the person  XXXX  times and left messages but they never returned the call. I never received any sort of legal notice of the class action of which I should have been a party.
Product: Credit card

Once again, the CFPB closes my complaint without a response from me. Goldman Sachs has not addressed the simple, basic, fundamental issue at hand here : accreditation. The school has provided proof that I did their learning but has not provided proof that they are a legitimate institution. I can create a school tomorrow to teach people something too, does that make me accredited? 

I AM NOT SATISFIED WITH MY PURCHASE. < -- - This is the reason for my dispute. Accept it and move on. Stop fighting over a measly {$500.00}. 

The bank is also lying and stating that they attempted to contact me on XX/XX/23, XX/XX/23, and XX/XX/23. They did not. I have no phone calls or emails from them, they are clearly lying and trying to get themselves out of this situation with their lies. I assume if the CFPB isn't going to help me I need to escalate this legally against both Goldman Sachs AND the CFPB.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account # : XXXX I'm writing to bring to your attention a troubling issue involving XXXX XXXX and the major credit bureaus XXXX XXXX XXXX XXXX and Experian. It's regarding some inaccurate and unverified charge-off information that's hanging around on my credit report like an unwelcome guest. 

Despite my best efforts, this charge-off account hasn't been adequately backed up with any solid documentation, despite my repeated requests and disputes. According to the Consumer Financial Protection Act ( CFPA ) [ 12 U.S.C. 5511 et seq. ] and the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], XXXX XXXX and the credit bureaus are obliged to play by the rules. This includes ensuring that any disputed information on my credit report is thoroughly investigated and supported by proper documentation. 

But here 's the kicker every time I've asked for some proof or documentation to back up this charge-off, I've come up empty-handed. And the responses from XXXX, XXXX, and Experian? They've been pretty vague, just saying the info is " verified, '' without showing me any proof. 

This lack of documentation is more than just frustrating ; it's a clear violation of my rights under the FCRA and CFPA. As a consumer, I have the right to accurate and verifiable information on my credit report. The fact that there's no evidence to back up this charge-off raises serious doubts about its accuracy. 

So, I'm asking no, I'm demanding that this unverified charge-off be taken off my credit report with XXXX, XXXX, and Experian immediately, in accordance with the FCRA and CFPA. If XXXX XXXX and the credit bureaus don't comply, I'll have no choice but to explore all available legal options to seek redress for the damage this has caused. 

I'm counting on you to help me out here. Let 's get this sorted and put this whole mess behind us. 

Thank you for your prompt attention to this matter. I eagerly await your response and the resolution of this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In my attempts to open a checking account last month, i got turned down by 3 different banks for the same reason. Neither of them can give me a reason or explain what was going on. The only thing they did give me was the name of the bank and so i called the bank to resolve the issue or find out i called twice and went to the bank 3 time trying to resolve this issue. FIinally in my last attempt the banker informed me of an account with fraudulent activity was closed out in a negative balance with my information. i informed them i dont recall inquiring in opening an account & i had gotten my document and other items stolen from me that year. This happened twice.The banker got on the line with there collections department trying to get this report out of the way so that i can open a checking account with a bank and work on building my credit and getting my debt in line. I left after a few hours the banker informed me that she will get in contact with me with an update on this. The fraudulent activity on this account was not doing and i have several other reports im disputing for identity theft/ fraud. ive informed everyone i spoke to that this account ended up getting accessed by an unauthorized user, to dispute, and that i will make payment for the amount owed while it undergoes the dispute proccess, but nothing has seemed to get resolved. i need this account removed from my report
Product: Mortgage

First Horizon has failed to respond to my prior three letters requesting that First Horizon immediately provide the following : Amortization of the loan as initially drafted and signed regarding loan modification on XX/XX/XXXX. 

*Note - First Horizon has misappropriated funds for 13 years and has not held themselves accountable.

Previously, I highlighted that First Horizon had violated the contract, as it did not apply any payments to the principal as illustrated in the below articles ( attached XXXX XXXX XXXX XXXX ) : 1. " Article 3 Borrower promises to make initial monthly payments of U.S. {$3100.00}, beginning on XX/XX/XXXX, until the first principal and interest payment due date XX/XX/XXXX, '' 2. " Article 4 The first principal and interest payments will be due on XX/XX/XXXX. '' Again, in summary, First Horizon directly applied all payments to interest in direct conflict with the contract dated XX/XX/XXXX. 
This complaint does not address prior violations, unmarketable title, pain, suffering, and the undue burden First Horizon has caused and continues to cause us as consumers. 

Also, this letter does address the signed affidavit First Horizon introduced in court in XX/XX/XXXX, indicating its accounting was accurate. As per my XX/XX/XXXX correspondence, this was a fixed loan. 

Also, please provide all correspondence First Horizon has provided to third parties.
Product: Credit reporting or other personal consumer reports

MY CURRENT NAME AND ADDRESS AS OF XX/XX/year> IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there are accounts on my record from debt collection on my report that sre not mine even tho they are paid, i didnt open these accounts and i want them removed from XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed ( paid ) XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed Paid XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed Paid XXXXT XX/XX/XXXX {$0.00} Closed Paid
Product: Credit reporting or other personal consumer reports

Experian does not have an option to speak with a live person. On multiple occasions I have requested that my credit be unfrozen. The robot voice said that its unfrozen but it not. The are holding me XXXX and trying to force me to enroll in their services.
Product: Mortgage

My home is in foreclosure since 2009. I have attempted in good faith to to mitigate this matter by offering a short payoff. Although the lender does not have an original mortgage note and the alleged modification was not signed by me or authorized. The attorneys have not worked in good faith. 
I have tried for several years to resolve this matter. I ask the CFPB to investigate my entire file and review all documents including but not limited to the mortgage note, allonges, assignments and any alleged modifications. Please note that all required notices were not properly sent to me or my deceased mother. I believe that the Dead Man Statute of XXXX XXXX  Prohibit foreclosure in this matter absent an original note or a authorized modification signed by both owners of the property.
Product: Debt collection

AMERICAN EXPRESS is attempting to dishonor federal law and the truth in lending act regulation Z by attempting to not regulate it like the open-end credit account it is pursuant to 12 cfr 226.2 ( 20 ) .I am only subject to pay a finance charge from time to time, not any transaction made.Also pursuant to regulation Z it is a well known fact that A bank can not extend credit.Due to that I have conducted a private administrative audit by right of action requesting a full file disclosure in pursuant to 15 U.S.Code 1681g and all other documentary evidence, including books of account, both journal and ledger in accordance with 15 U.S. Code 44 and IRS publication 583 including any and all accounts made using my intellectual property, my signature, associated with this account both public and private, I must clarify who funded this account and the amount owed according to the journal and ledger entries from the date of open of the account as described in IRS publication 583 . Without this I can not verify any valid claims of alleged debts in the name of the principal obligor. Pursuant to. 18 USC 8 all debts are the obligations of the United States a federal corporation defined under 28 usc 3002 ( 15 ) .Pursuant to 31 usc 3123 the United States has pledged to pay all public debt and interest.Technically AMERICAN EXPRESS is acting as a 3rd party attempting to collect this debt .Pursuant to 20 CFR 422.103 ( d ) the social security number attached to this account belongs to the social security Administration therefore so does any alleged debts.AMERICAN EXPRESS is in violation of 15 usc 1692e as they are telling me an amount is due on my account that has a positive credit balance which is false and misleading as I can not pay something that is already positive.I have reason to believe and do so believe, pursuant to 15 U.S. Code 1666d if there is a credit of account balance with surplus over 1 dollar in accordance to the journal and ledger entries described in IRS Publication 583, the amount balance should be credited and the remaining balance must be directed to I, the consumer by check. The documentary evidence must be provided to clarify this amount as this is a formal instruction in accordance to 15 U.S.Code 1666 ( b ) ( 2 ) to provide the documentary evidence which includes books of account in accordance with 15 U.S.Code 44 to resolve this billing error. on June 5,1933 Congress enacted HJR 192 took away our ability to pay with lawful money and gave us legal tender that shall be discharged dollar for dollar. AMERICAN EXPRESS is in possession of a negotiable instrument pursuant to UCC 3-104.even if they dont accept it UCC states they must discharge to the extent of the amount of tender pursuant to UCC 3-603 ( b )