23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After careful review of all documents you have provided, this debt does not belong to me. You have failed to provide me with all the information I requested such as the account number of the original creditor, signatures on applications and account, my full name and address and not someone with a similar name, the stature of limitation of this account. Account applications with my full name made on paper, online, or by telephone. You sent me documents with a name, I am not familiar with and have never used in any documents. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the major credit bureaus, this action might constitute fraud under both federal and State laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation that you may receive for collecting the debt. 
Threaten to take any action which is not legal or intended. 
Falsely represent or imply that the sale, referral, or other transfer of the debt will cause the consumer to lose a claim or a defense to payment, or become subject to any practice prohibited by the FDCPA. 
Falsely represent or imply that the consumer committed a crime or other conduct to disgrace the consumer. You violated my privacy by requesting an affidavit of theft be filed with your company. 
Communicating false credit information or information which should be known to be false, including not identifying disputed debts as such. 
Use or distribute written communications made to look like or falsely represented to be documents authorized, issued, or approved by any court, official, or agency of the United States or any state if it would give a false impression of its source, authorization, or approval. 
These are all in violations of FCRA-reporting inaccurate information, FDCPA- continuing collection activity on a debt which does not belong to me or has passed the stature of limitation. As a victim of identity theft, Please send me a letter explaining what you have done to inform the business that this is a fraudulent account, and stop collection activities against me. I would also like to request, in writing that no further contact, unless it is to provide me with validation or release of liability of the debt. 
It would be advisable that you assure that your records are in order and contact your client.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a follow up complaint concerning my credit report. Despite my repeated efforts over the past months and previous attempts to rectify the errors, my credit report still inaccurately reflects late open accounts and charge-off accounts. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report. I have provided the necessary documentation and evidence in my previous disputes to support my claims. However, it is disheartening that these errors have not been corrected, negatively impacting my credit score and financial standing. 

I kindly request the following actions be taken : Immediate investigation into the disputed accounts. 
Correction of the inaccuracies in my credit report. 
Written confirmation of the corrections made. 
Enclosed with this letter are copies of the documents supporting my claims, including correspondence history, proof of payment, and any other relevant information. 

Please treat this matter with urgency. Should the errors persist, I am prepared to escalate this issue to you and seek legal counsel to ensure my rights are protected. Please help me correct the late open and remove the charge off accounts immediately : XXXXXXXX XXXX XXXX XXXX Balance : {$34000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the late open must be corrected. 

XXXX XXXX XXXX Balance : {$10000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX Balance : {$440.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX XXXX XXXX Balance : {$460.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX XXXX : {$3600.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX XXXX Balance : {$0.00} - This particular account is undoubtedly placed as a charge-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off. Please eliminate the item certainly.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I recieved an email from paypal, telling me my account is temporarily limited, and that they need me to take action sending some documents, ( I want to clarify thet I sent everything they asked for at the beggining, and that my account was up to date ) I inmediatly got to it and sent everything they asked for and took all the actions that they required me to do. 
At paypal webpage, there's a red flagged message that tells me I need to take action, I clicked on it, there were two buttons, that said resolve in front of each action, the first one was uploading the documents, and the second one said " Confirm your information '' I sent the documents en clicked on resolve, then I clicked on the second resolve button " confirm your information '' The page sent me to a message page that said that they are gon na take up to 10 days to check the info and make a resolution. A month passed by and I kept recieving the redflaged message, and whan I click on it it takes me to same same page where one resolve button is activated ( as if it's completed ) and the other one that says confirm your information, was still active, when I cliked on it, the same thing happened, it sent me to the message that says they are gon na look into it.

I tried to contact them in many ways, I even chated with to a couple of costumer service people that couldn't help me at all, they were evasive with their answers.

Its been 2 months now, and my account is limited, I can't use my money, and they keep sending me emails telling me to take action, I sent everything again, and there's no answer, there's one change now, when I click on the resolve button ( confirm your information ) it redirects me to a message that says that the problem is solved and that my account is back to normal, wich is not! It's still limited and the red flagged message keeps on showing and asking me to take action, when I click on it the only option avaible is to confirm my info, and when I click on it it says everything is back to normal.

This redflagged message in my paypal 's dashboard keeps saying that they are gon na limit my account even further on XX/XX/XXXX, if I don't send the documents that I have allready send 2 months ago. 
There's no response from them, they keep telling me that they've escalated my concern, but they won't fix the problem. It's like a system glitch that got stuck in a loophole, that paypal doesn't wan na fix. I have lost lost of services and others because of this situation, our work is affected directly by this negligence from paypal. 
I want my account back to normal and acces to my money.
Product: Debt collection

The company Navient has been calling me telling me I owe them money, but my original loan was through XXXX XXXX in XXXX of 2006. I am not sure when Navient claimed to take over my loan, but I asked for paperwork from them showing that I owe this debt to them. They sent me a typed up paper, including a typed signature of my name, that had stated my original loan was XXXX. Navient is now telling me I owe XXXX, but can not tell me how the loan got that much. They have not provided me with paperwork confirming it. There are many problems with the one paper Navient sent me.
Product: Debt collection

I have never done business with Residentcollection inc. I do not have a sign contract with Residentcollection inc. I have the right to demand to see a signed contract between Residentcollection inc. and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Equifax failed in its essential duty to investigate and resolve consumer disputes about inaccurate information on their credit reports, Equifax failed to conduct adequate investigations of disputed information in credit reports
Product: Checking or savings account

My XXXX card thats connected to my Bank of America account was pinging my account for charges even though my line of credit with XXXX was still full ( due to a stolen card ). Rather than alert me that this was happening, causing multiple overdrafts, bofa just kept processing these resulting in 15 overdraft fees of {$35.00} each being collected between XX/XX/XXXX and XX/XX/XXXX with charges of fees being well over {$500.00}. When I called on XX/XX/XXXX and not only let them know that this card has been stolen ( and those charges werent even legit, something Im working out with XXXX ), BofA wouldnt remove any fees and claimed to not be able to do anything further bc the fraud department was closed. I had just deposited my months check ( not knowing the extreme negative in my account ) and all the charges left me still in the red and without cash. Again, my issue with XXXX and my stolen card is certainly an issue ( as the charges were in XXXX XXXX and I was in XXXX ) but the actual overdrafts fees imposed by bofa where FAR higher than these fraudulent charges.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

I received my degree as a non-traditional student because I thought it would help me find a better job. When I received my first repayment information, I still had not secured employment that would allow me to repay the loans. I put the loans in forebearance, I believe this was through XXXX. At some point the loans were transferred to FedLoan Servicing. I later found out that if I made 120 payments, adjusted based on income, and applied. My loans qualified and I started this program. Then, about six months ago, I was told by a customer service person that it would be better to consolidate the loans, so I did just that. I received a letter dated XXXX XXXX, 2017, showing that I had a payment due. It also showed that I had no PSLF qualifying payments. I called to find out why my payment was so high and why the letter stated I had no qualifying payments, even though I had three years of qualifying payments. I was told that I lost all previous qualifying payments because the loans were consolidated! I am trying to get qualified again, but I dont know where else to go because FedLoan Servicing has mishandled my student loans. It is not right that they would talk me into consolidating my loans without mentioning that I would lose the three years of qualifying payments.
Product: Debt collection

I have no idea where this I.C. Systems debt come from and I tried to get them to delete it off my credit report and it wont delete.
Product: Mortgage

Due to circumstances surrounding Hurricane Matthew in XX/XX/XXXX, I missed mortgage payments for XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I requested the paperwork for a loan modification, received it and put it aside while I was dealing with insurance difficulties with Bank of America ( including that BoA had never removed the previous Bank 's name from the Mortgage when BoA had purchased said bank and the bank no longer existed. ) Automatic mortgage payments were then made XX/XX/XXXX - XX/XX/XXXX, then beginning with the XX/XX/XXXX automatic payment, BoA began rejecting the automatic payments. I have no record of being notified about this and did not notice the payments had been rejected until XX/XX/XXXX. It is obviously my fault that it got to this point, however, at this point I received notice of foreclosure with the auction date of XX/XX/XXXX. Instead of calling a lawyer, I called BoA to ask if it was too late to file the loan modification papers and was told by BoA that I could. I filed these papers on XX/XX/XXXX electronically and spent the week calling BoA to follow up on the process. The foreclosure process was already underway at this point. BoA was talking to me until 30 minutes before the auction on Tuesday, XX/XX/XXXX and telling me they were working on the request. XXXX XXXX, Dedicated Customer Relationship Manager, was my contact. The house sold at auction while I thought BoA was helping me. Then on XX/XX/XXXX, I began receiving notifications in the mail that my case was received and being opened.
Product: Consumer Loan

DT received a insurance lease gap payment final date XXXX/XXXX/XXXX from XXXX due to accident XXXX/XXXX/XXXX Claim XXXX, after final payment was received I spoke with a gentleman at DT that advised all accounts were closed and removed from CBR which was confirmed once all XXXX CBR had DT closed, XX/XX/XXXX I received a letter advising of such Balance of {$1700.00} with a settlement request. I spoke with a female rep from DT ( XXXX ) XXXX that advised indeed what the gentleman advised was correct and account will be removed out of collections and no more correspondence would be received. Letter dated XXXX/XXXX/XXXX advises another attempt to collect ( XXXX letter a year- failed at due diligence and collection attempts ) Account Manager advised no there were no notations advising of what each rep advised but noted that I contacted. Transferred to a " manager '' advises that same. I advised her to pull the call and she advised she COULD NOT, I advised her what I was advised for going on 2 years and advised I would file a complaint to get this rectified since she was not gone to attempt to resolve my minor issue. 

I spoke to DT after filing the XXXX complaint on XX/XX/XXXX ; on XX/XX/XXXX and the customer rep who was not XXXX ( one who left message from Customer Resolution ) advised that XXXX was gone to inform me that I could settle while they review the calls for training purposes. I told the rep that their resolution was not acceptable as they had not even listen to said calls I mentioned above. 
I contacted DT XXXX back on XX/XX/XXXX and was advised the same thing, that they have not reviewed the calls yet and I could settle. I advised the rep who was not XXXX, that they should call me back after they reviewed the calls so they could finally resolve my issue besides trying to get me to settle on said balance that was supposedly " paid in full '' advised by XXXX of their reps. The XXXX rep advised that I had requested on XX/XX/XXXX to place a Cease and Desist on my account, this in fact was false and advised her to remove it because why would I request to place a C & D on my account when my issue has not been resolved. As well as advised her to review that call, because placing a C & D on someone 's account is not legal without their authorization and working with Charged Off Private Loans, it can lead to that account being placed with a Cease and Desist Law Firm.
Product: Credit reporting or other personal consumer reports

This information is totally wrong and is damaging my report and does not belong to me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

A card was sent in my name from Capital One to my neighbor house XXXX XXXX XXXX is the address
Product: Mortgage

LoanCare purchased our mortgage from  XXXX   XXXX . Apparently they did a customary Escrow review and determined it was too low so our payment was raised. We were not informed.  LoanCare has admitted over the phone they failed to inform us. Therefore, our payment was about {$60.00} per month short. LoanCare accepted the auto draft p ayment from our bank, while considering our  XXXX  and  XXXX  payments to be late. We were informed of this by letter dated  XXXX / XXXX /  XXXX  . When we received that letter, we immediately called LoanCare on  XXXX / XXXX /  XXXX  . Spoke to female agent who stated that account had been reviewed and LoanCare was aware that we hadnt received notification of an increased payment. Agent removed late fees from  XXXX  and  XXXX  since it wasnt our fault and we made a payment over the phone to bring account current in the amount of {$150.00}. Again, we asked if the mistake would impact our credit, was told no it wouldnt since it was an error on LoanCares end and no further action would be required. The  two payments are on our credit report which has prevented us from securing financing for purchase we need to make. Each time we call LoanCare, we are told this is being escalated.
Product: Debt collection

I was contacted on XXXX/XXXX/XXXX by a woman who identified herself in a voicemail, stating I would be served papers on XXXX/XXXX/XXXX at my home address, between the hours of XXXX-XXXX. On XXXX/XXXX/XXXX, I received a phone call at work, at approximately XXXX, from someone who identified themself as someone from the local county office of where I live. I was told that I failed to receive my papers for a lawsuit, and to arrange being served, she transferred me to a gentleman named XXXX XXXX with XXXX XXXX XXXX. XXXX XXXX stated he worked for the Litigation office, and that he would help me with having the process server rerouted and not to appear at my place of work. 

I inquired on the matter of what I was being " served '' for, and XXXX XXXX explained that it was and old Debt, from XXXX XXXX XXXX, which was defaulted in XX/XX/XXXX. By law, XXXX XXXX has 4 years to pursue a lawsuit against me to recoup their debt. I was instructed to make arrangements for the settlement outside of court, or I would be served papers for the lawsuit at work. Also, XXXX XXXX tole me that failing to be served is the same as failing to appear at court and my wages would be garnished, as well as a lean would be put on my house. 

Being suspicious, I called and explained the situation to the Attorney Generals Office. The person who I spoke with in the Consumer Protection Division, agreed that she thought this sounded like a scam. 

I called XXXX XXXX back, at XXXX XXXX XXXX ( XXXX ) and stated I thought this was a scam. He became very upset and, among other things, proceeded to tell me that he would contact my employer and garnish my wages. I instructed him to not contact me at my place of employment, and requested that I be notified in writing of the debt to be validated. I also asked for the address and number of his company, but he told me that I did not need that information and that it had nothing to do with my lawsuit. 

After XXXX XXXX hung up on me, he contacted my company 's accounting department and stated that my wages were to be garnished and he would fax over the paperwork. As of yet, we have not received the paperwork.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue with my credit report provided by Equifax. On XX/XX/XXXX, I contacted Equifax regarding inaccurate information on my credit report, and to date, they have not responded. I am requesting your assistance in rectifying this matter. The following are the details of the inaccurate information and the necessary corrections : Account : XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$390.00} Issue : The reported balance of {$390.00} appears to be higher than the balance I remember. Equifax has marked this account as closed, so the Past Due amount should not be provided for this account. I believe it is essential to address this misleading data directly with the creditor. I am committed to taking immediate action, but I require Equifax to report the account as disputed while I work toward a resolution. 


Account : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$1300.00} Issue : This account does not belong to me, and I request that it be promptly removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX