23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been requesting Calvary Portfolio to send me a signed document or assignment that I owe their company this debt. To date, I have not received anything from Calvary Portfolio besides a copy of a bank statement. I have been requesting XXXX, XXXX and XXXX to verify the debt and the bureaus have been unable to. The only information I receive back is that the furnisher is providing that the information is accurate. I have attached correspondence dating back from XXXX XXXX, 2016 of disputes regarding this inaccurate information. I am unaware of any assignment of ownership that Calvary Portfolio has regarding this alleged debt. The furnisher has refused to send me the requested documentation.
Product: Checking or savings account

I opened a business checking and savings account with Wells Fargo in early XX/XX/XXXX. I received an email onXX/XX/XXXXsaying thy closed my account and it was set to {$0.00}. I had {$9200.00} in checking and {$5200.00} in savings.
I called to see why my account was closed and they only could tell me that the account needed more information and I need to go into a branch.
I went back to the branch I opened the account at XXXX XXXX XXXX XXXX, MD XXXX. I spoke with XXXX XXXX Case # XXXX. He found out that the gentleman who opened my account did n't do so correctly and he is no longer there.
He said they sent a check to a UPS address with no mailbox in XX/XX/XXXX. I never received that check with my funds.
I was told that in order to stop payment on the check that is lost I would have to pay around {$300.00} because of some surety bond. I should n't have to pay for something that was n't my fault.
My business funds have been tied up for 2 months. I 'm not getting any answers. I email and call XXXX and the branch manager ( XXXX XXXX ) everyday. They say they are waiting to see if it 'll be in return mail.The district manager called me 1 time. Said he would call me back the next day but never did.
Product: Credit reporting or other personal consumer reports

Collection Agency Name : XXXX XXXX Account Number : XXXX, Collection Agency Name : XXXX, Collection Agency Name : XXXX, Collection Agency Name : XXXX XXXX XXXX ( this is reporting twice on my credit report, from the collection agency as well as the original lender! Remove this item asap! ) Collection Agency Name : XXXX XXXX XXXX this is reporting twice on my credit report, from the collection agency as well as the original lender! Remove this item asap! Collection Agency Name : XXXX XXXX XXXX, In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to Experian, XXXX, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Credit reporting

I 'm a XXXX adult and I 'm positive that I have not made over XXXX inquiries into my credit report. I also see mistakes in account reports and in delinquent reports, because the delinquencies are due to being repeatedly ignored on the phone to give proper insurance information. Furthermore, I do n't know how to get help with a XXXX committed against me that may be effecting my credit. The manager of an XXXX store in XXXX named XXXX XXXX pushed me physically out of the store because she said I 'm too " XXXX '' to have an account with them, immediately after I asked her to speak more slowly due to a XXXX XXXX.
Product: Mortgage

I purchased my home in XXXX XXXX using a mortgage broker ( XXXX XXXX XXXX XXXX ). Shortly after they sold my loan to AmeriHome Mortgage Company , LLC who would be financing my loan. The loan type is Fixed Rate - 30 Year. 

Concern 1 : My escrow shortage does n't look accurate Concern 2 : My monthly payment is going up almost 7 % and I can not afford the new rate Concern 3 :  After escalating the issue internally at AmeriHome - they will no longer discuss my issue with me, nor will they return my e-mails or phone calls. 

XXXX XXXX I received a letter from AmeriHome stating my escrow shortage was {$3100.00} & my new monthly payment amount would also increase $ XXXX ; or I could not pay the shortage and my new payment amount would go up {$360.00}. I had a concern about where about {$1200.00} of this shortage was derived. 

On XXXX/XXXX/XXXX I reached out to AmeriHome to discuss the shortage and where the numbers were coming from, only getting the response that " its from your Insurance and Taxes. '' I looked at the numbers myself but they did n't seem to add up. I asked for the customer service rep to escalate to a supervisor, at which time I was put in contact with XXXX. At this point, all I was trying to do was pay the shortage and overfund my escrow account to keep my payment amounts the same and I was informed that it is IMPOSSIBLE for them to do that, even though I can not afford the increase stating if they get audited they 'll get in trouble. With proper documentation - they should easily be able to explain that to an auditor. Since I was n't getting the resolution I needed, I asked for the next escalation point, at which time I was told to contact XXXXXXXXXXXX with the subject line " Office of the President ''. I did so on the same day requesting a call back. I followed up via e-mail on the XXXX, XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX, as well as by phone on XXXX. The last phone call I had with a customer service rep on XXXX - I expressed my concerns w/ the lack of response from the " Office of the President '' and let me know the supervisors would no longer discuss my concern with me  because the issue has been escalated to the " Office of the President. '' My last correspondence with AmeriHome on XXXX was via e-mail letting them know if they can not get back with me by COB XXXX/XXXX/XXXX I would seek other escalation points. 

I need help. If this is not the right avenue for escalation, maybe you can point me in the direction of someone who can help? I am trying to pay the company, but I just want to have a conversation with someone from their company that can provide sound explanation for their claims and work with me to keep me from having to sell my home because I can not afford the new monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts on my credit report do not belong to me and are unverified
Product: Credit reporting or other personal consumer reports

the following items need to be removed from my credit file reviewing my report now I see these items and they are not my accounts and should be removed besides. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. the following items need to be removed please ; Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX  and XXXX  has not currently updated my credit report I have documents proving yeah continental reflex and XXXX on the website stating dirty accounts are XXXX balance I notice accounts are closed
Product: Mortgage

In XXXX of XXXX we were approved for a 3 month COVID Forbearance from our mortgage company. The forbearance granted suspended monthly payments from XX/XX/XXXX through XX/XX/XXXX. We used 2 months of the forbearance and resumed our normal mortgage payments 1 month early on XX/XX/XXXX of XXXX. Somehow we have ended up with late payments, missed payments, and most disturbing, negative marks on our credit report. 

I called our mortgage company at the end of XXXX XXXX and reported that my husband was working again and we would like to end the forbearance early and have the 2 suspended payments deferred to the end of the loan. We were told to make the XXXX payment and then call back once the payment was made to start the deferment process, we did just that. On XX/XX/XXXX we initiated the deferment process via phone call with the lender. We were told that we would receive the deferment. On XXXX we received a letter from the lender that we were approved for a payment deferral and as of XXXX our mortgage would be brought current. On XXXX we received a voice mail from the lender stating that we were behind in our payments. I called the next day and after being transferred to 3 different departments, learned that they did not have record of our deferment. I have two different letters from the lender that state " You are approved for a payment deferral ''. I was told that they had to send it to some one via email and I would be contacted in 3 to 5 days. 

It is my understanding that under the Cares ACT that it is illegal to report a negative report to the credit agencies. The paperwork that I received from my lender states " The status of the account at the start of the forbearance will be preserved throughout the forbearance period. If your account was current at the time the forbearance began, we will continue to report your account as current throughout the forbearance period ''. My credit report shows late and missing mortgage payments since XXXX XXXX. This has negatively impacted my credit score.
Product: Debt collection

Thank you for your recent contact dated : XX/XX/XXXX. 

I wrote to you on XX/XX/XXXX, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this  Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this  account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The XXXX 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 need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am A natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax, XXXX & XXXX is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax, XXXX, & XXXX written permission to furnish these accounts. 
15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A
) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate In accordance to 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 : XXXX ACCOUNT NUMBER XXXX has violated my rights Account name : XXXX ACCOUNT NUMBER XXXX has violated my rights Account name : XXXX  ACCOUNT NUMBER XXXX has violated my rights
Product: Checking or savings account

I received an email on XX/XX/2023 from Explore Credit Management Team. 
telling me they had a technical issue and funds were withdrawn from my bank account and they are in process of returning funds. They gave contact information XXXX & Phone : XXXX I spoke with someone they said the had a technical issue over the weekend and my fund were being returned, still no funds returned. I called back yesterday on XX/XX/2023 they said funds would be back in my account today. Still no funds. I applied for a loan more than XXXX yr ago but never accepted the loan Never signed anything with them or Authorized in any form from my bank account they with drew {$120.00} on XX/XX/XXXX. if you look up Explore Credit online they have done this to XXXX 's of people it's all over the internet lot of complaints filed with Better Business bureau in last 2 weeks for same issue. my bank took note of the issue and fraud alert on my account & told me if funds are not returned in 7days I would need to close out my bank account and open a new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor did I authorize these credit pulls.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 
The Credit Bureaus stated that they did a proper investigation on the accounts listed below. How is it possible when the open dates are inaccurate, the dates lasted reported are inaccurate, and account status are not accurate, etc. 

I requested that the credit bureaus " investigate every piece of information '' on the accounts listed below. According, to the FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my accounts were verified but how is that possible if they did not do a proper investigation according to law.

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 an account without my written instructions. 

XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX
Product: Debt collection

this account resulted from identity theft and needs to be removed immediaelty I have completed a police report with the acct and a ftc notarized theft affidavit ... the account number is XXXX from first national collec
Product: Credit reporting or other personal consumer reports

= The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX, Account name : XXXX XXXX  Account name : violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and my address was XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX County, NJ. My home is in foreclosure with Ditech Financial. I am attempting to proceed with a deed in lieu however, they advise me there is a judgement against me. IT IS NOT. The judgement is against XXXX and XXXX XXXX of XXXX, NY. It was filed in XXXX County, NJ by a gentleman named XXXX XXXX in the amount of {$11000.00}. 

How does this get corrected? The mortgage company will not listen and has been stonewalling me since XX/XX/2019 - advising me about this judgement last month. 

Please tell me how to fix this - I have no money as I am unable to find gainful employment in the state of NJ that will support an apartment and fear I will be homeless soon. 

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

I AM WRITING TO DISPUTE THE FOLLOWING ACCOUNTS. I DID NOT OWE THIS DEBT AND IT DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE. PLEASE REMOVE THESE ACCOUNTS AND SEND ME AN UPDATED COPY OF MY REPORT AFTER THE INVESTIGATION.