23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XX/XX/XXXX. 2021, I sent via certified mail, correspondence to XXXX XXXXXXXX XXXX. This included an affidavit, exhibits, and remedy demand. In the affidavit included a list of 9 violations that caused damage to me, including : 15 U.S. Code 1692b ( 2 ), violation, XXXX XXXX XXXX XXXX. 

15 U.S. Code 1692c ( a ), violation, taking up my time that could be used for work, to get details on alleged debt. 

15 U.S. Code 1692c ( b ), violation, causing me to increase XXXX XXXX in working harder to improve my credit report.

15 U.S. Code 1692d ( 2 ), violation, XXXX XXXX XXXX.

15 U.S. Code 1692d ( 4 ), violation, having to waste time creating a plan to deal with an alleged debt. 

15 U.S. Code 1692d, violation, causing me to spend necessary money to improve my credit situation. 

15 U.S. Code 1692e ( 2 ) ( A ), violation, XXXX XXXX  
15 U.S. Code 1692e ( 3 ), violation, XXXX XXXX

15 U.S. Code 1692e ( 12 ), violation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

See the attached for all details.
Product: Debt collection

I am receiving repeated calls multiple times a day ranging in times from XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX are continuously reporting a bankruptcy on my credit report. They have stated that the Data Furnisher is US BKPT CT AL XXXX. So, I contacted them, and they stated they do NOT report, validate or verify anything to ANY credit bureau or third party. Yet the credit bureaus ( all three ) are continuously telling me that their information is verified. Which IS NOT TRUE. I would like this entry on credit report to be removed. Even XXXX XXXX Does not have it listed and XXXX can not verify me and even if they could they would still have to verify that from the ACTUAL BANKRUPOTCY COURT which in my letter it states that THEY DO NOT VERIFY, VALIDATE, or REPORT.
Product: Debt collection

I had obtained the services of an ambulance in a XXXX emergency. The Ambulance company is a contracted provider with my insurance and did not bill such correctly, and placed me into collections in error. I have attempted to resolve this matter for well over a year, while this debt remains on my credit report. The Ambulance company has finally billed the insurance carrier, obtained payment in XX/XX/XXXX2016, however the collection agency insists on billing me for the interest accrued and refuses to accept my co-payment that is contractually agreed with my insurance of {$200.00}. The collection agency Manager is rude and aggressive and refuses to allow resolution to this account, despite the Ambulance company acknowledging the error and that only a {$200.00} co-payment was due.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX credit card is showing a late balance which is incorrect. 
XXXX has sent me a letter stating they contact all 3 credit bureaus to correct this information over 1 month ago, information is still showing incorrect on my credit report preventing my score to provide me with refinancing of my property. I am holding all 3 credit bureaus responsible should my refinance be denied or should it cost me to pay more than necessary in interest rate. Attached you will find the letter from XXXX XXXX XXXX XXXX department. 
This information must be corrected immediately. Credit bureaus are liable for wrong information that can cause financial harm to a citizen. I will hold all 3 bureaus responsible should I suffer credit discrimination due to wrong information on my credit report.
Product: Student loan

i have repeatedly requested via phone calls and this forum for a complete breakdown and explanation of any and all payments received, fees charged, etc. on my loan.     i have received some paperwork but it does not include breakdowns nor explanations.     i 100 % disagree with the balance.
Product: Mortgage

Please reference my previous complaint previous complaint number is XXXX I am still having the exact same issue as in the first complaint, Mortgage Clearing is not applying my extra mortgage principal payment in time, or properly. 

After my first complaint they complied for awhile, now they are back to the same old thing, not applying our extra principal payment on time. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Ive sent several disputes to the credit bureaus in regards to my information being compromised my information was found in 35 unauthorized databases with my information. My social security was breached in XXXX database as well. I filed a identity theft report with the FTC please find attached the identity theft report
Product: Credit reporting or other personal consumer reports

The company is reporting incorrect information regarding my file. I have attempted numerous times to get the information corrected, and I am unable to reach anyone in the XXXX XXXX 
The representatives have stated that they would have a supervisor or XXXX call me back within XXXX hours and I have put XXXX different request in and no one has contacted me back. 

I have an escalated issue and I want someone within a leadership team and someone in the United States to return my phone call to get this issue resolved because it is having a negative impact regarding negative information contained in this report. 

I have been a victim of identity theft in the past, and this issue is still not corrected within the database of XXXX XXXX, as well as SageStream.. 
I have an alert on my credit file which is doing no good. 

I am also following this complaint with the consumer financial protection bureau, as well as the Better Business Bureau. 

The issue of this not getting resolved, has had a negative impact on my credit rating as well as caused me financial hardship with terms that are not favorable to my correct credit rating. 

My insurance rates have went up on my vehicle due to incorrect information being reported inside these reports. 

I can be reached at area code XXXX. I want a correction to my credit report. I want a correction to my Lexis Nexis report and I want a permanent fix to the situation..
Product: Consumer Loan

My vehicle is currently insured by XXXX XXXX XXXX and financed through State Farm Bank. I was involved in a head on collision on XXXX/XXXX/15. I 'm being told by State Farm Bank that if I do not make a car payment by XXXX/XXXX/15 I will lose my " Payoff Protection '' offered through State Farm. The collision was not my fault and XXXX XXXX XXXX XXXX has not yet evaluated my vehicle. Because they have not evaluated the car, I will now have to make a car payment for a vehicle that is not functional. If I do not make the payment, I will then be responsible for the entire balance owed on the vehicle. My complaint is not against XXXX XXXX XXXX XXXX, it 's against State Farm Bank because they are forcing me to pay for a vehicle that I can not drive or access, also, if I do not make a payment then I will be held responsible for the entire amount of the loan. The vehicle is totaled. It just has n't been officially totaled by XXXX XXXX XXXX XXXX due to restrictions of XXXX State Police because of the nature of the accident.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I posted a add on XXXX to sell my vehicle that I could no longer afford for the amount owed on the loan for 30,000 approximately. I received a on response from a gentleman on XX/XX/XXXX who said that he would pay off the loan. He did with his personal bank account through my online payment center and when the title was received to gave to it and well as the vehicle. All the payments were received by XX/XX/XXXX. I received documentation that my loan was paid in full first onXX/XX/XXXX and as the title which has the released date of XX/XX/XXXX as well two weeks after. Then a month after the vehicle was gone and sold, XXXX XXXX XXXX XXXX sends me letters that all the funds were returned and they need the title back. The vehicle also needed to be in my possession as well. At this point, both of them had been taken from my possession. I went through quite an ordeal with the bank to get this issue resolved cordially but did not happen. XXXX XXXX XXXX XXXX believes I still owe my loan which I don't believe is accurate. Thank you
Product: Money transfer, virtual currency, or money service

There was a charge back to my account due to a bank error. I immediately wired the money to my Binance account. I submitted a support ticket to regain access to my trades and withdrawals. I followed all the procedures asked of me and can not get a response from them. They are holding over XXXX in funds in my Binance account and they will not let me have access to them. There is no phone number so I can not contact them. I have tried all avenues including XXXX, XXXX, XXXX, XXXX and no response. Latest ticket number is XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Over a year ago, I requested assistance from Apple Card Services due to financial hardship, asking for a freeze or reduction in my interest rate. Despite making partial payments to the best of my ability, the high interest rates made it difficult to keep up, and my account was reported as XXXX  days delinquent. I also attempted to close the account or reduce the credit limit, but these requests were denied, leading to further financial strain. I am disputing the delinquency on my recent credit report and seeking a fair resolution, including the removal of the negative mark and a more manageable payment plan.
Product: Debt collection

Ive sent a cease and desist letter to NBC Management Service and they keep calling and not validating the debt they are trying to collect I have the letters ive wrote and inaccurate documents they have sent.
Product: Credit reporting or other personal consumer reports

I have never signed or entered any agreement with XXXX Account XXXX. Please delete this inaccurate information from my Credit Report immediately.
Product: Payday loan, title loan, or personal loan

I took out an installment/payday loan of {$600.00} on XX/XX/XXXX based on a letter I received in the mail offering me this loan. I did not know at this time nor was it disclosed that this lender was not licensed to lend in the State of California. The interest rate was 656 % which was not clearly disclosed during the application process. This is in excess of what is allowed by the State of California. According to the document, I have to make payments in excess of {$700.00} before any of my payments are applied towards the principal. This means I end up being forced to pay interest I have n't accrued yet even if I pay the loan off early. This loan will end up costing me {$1800.00} in interest over 6 months if paid as the company wants. For a {$600.00} loan. I did not realize this company was not operating under federal or state law but instead under Tribal Law. I want all communication to my cell phone to cease including robocalls
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX, TRANSUNION, & XXXX, regarding a violation of my rights and the inaccurate information being reported on my consumer file. This inaccurate reporting has not only caused financial distress but has also had a severe impact on my mental wellbeing, resulting in XXXX for both myself and my family. 
I BELIVE XXXX, TRANSUNION, AND XXXX, has violated the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which mandates that consumer reporting agencies maintain accurate and up-to-date information on consumer files. In reviewing my credit report, I have identified the following inaccuracies : These inaccuracies have had a significant and detrimental impact on my financial profile and my ability to secure credit, loan approvals, and reasonable interest rates. Despite repeated attempts to rectify these errors, I have not received a satisfactory resolution from XXXX, TRANSUNION, AND XXXX I would like to bring to your attention the profound impact that this situation has had on my mental health and the overall well-being of my household. The constant XXXX XXXX  and uncertainty caused by these inaccuracies have plunged my family into XXXX, affecting our quality of life and ability to function optimally. 

I kindly request the Consumer Financial Protection Bureau to immediately investigate this matter and take appropriate action against THEM. I believe that the inaccurate reporting and their failure to rectify the situation has not only violated my rights under the FCRA but has also caused significant harm to my household. 

Please find enclosed copies of supporting documents, and evidence of the impact on me and my family 's well being. I trust that the CFPB will act promptly and diligently to rectify this situation Thank you for your attention to this matter. I look forward to a swift resolution and justice being served.
Product: Mortgage

In XXXX I XXXX XXXX, had the same problem with XXXX XXXX  where I owed them money for some account. I then sent them a " validation letter '' asking them the validity of the account. The Bank XXXX XXXX  responded partially and never prooved that I owned that account. Now, in XXXX I have this new lender or servicer named, FCI Lender Services , Inc . I have sent FCI Lender Services XXXX Inc a " validation letter '' and they responded with fraudulent documents. They have failed to prove the debt with an " Assignment of Mortgage '' or " Assignment of Debt '', and continue to send partial answers. This matter has caused unrepairable effects to my credit and has cost me thousands of dollars and denial to any credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 15 accounts on my credit report that do not belong to me I have tried disputing this with the bureaus to no avail they will not help me I have tried reaching out to the furnishers with the contact information on my credit report and they are not getting back to me I need help to remove these from my credit report since they do not belong to me in any way!!! 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX CARD Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, ND XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$4300.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

Lender has marked my account and notified credit agencies with a late payment notice. 

No payments have been missed or, are missing. 

I have contacted the lender by phone on two occasions and after a lengthy wait time, I am offered to have someone call me back within 24 hours but never received one. 

I did notice the monthly amount recently changed by approximately {$50.00} so I updated the payment amount but, payments have NEVER stopped. I have a payment history going back several years that I can furnish if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

On XX/XX/XXXX I contacted XXXX XXXX XXXX. via certified mail regarding a account they claim I owe in the amount of XXXX. I sent a letter to XXXX XXXX XXXX. stating : This letter is regarding account # XXXX, which you claim I owe XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. )  Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records,  and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. XXXX XXXX XXXX responded  with a letter on XX/XX/XXXX saying the debt is valid and claim to attach a verification of the debt. They attached a XXXX bill to the letter with no signature or any evidence that it was me that made the debt. I have no legal obligation to XXXX XXXX XXXX. and I never created a account with them or the original creditor XXXX. On XX/XX/XXXX I sent another letter to XXXX XXXX XXXX XXXX XXXX I received the same response as the first letter they sent me.