23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. have/ 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 Also states a consumer reporting agency can not furnish my account without my written instructions
Product: Mortgage

Specialized Loan Servicing is resposible giving credit report late payments from XX/XX/XXXX on a new loan closed in XX/XX/XXXX FIRST PAYMENT DUE XX/XX/XXXX MADE XX/XX/XXXX NOT DUE UNTIL THE 16 OF EACH MONTH XXXX PAYMENT MADE XX/XX/XXXX PAYMENT MADE LOAN TRANSFERED TO SLS XX/XX/XXXX FROM LOAN CARE.Five seperate loan # had been supplied i have given copies with my complaint.Along with my call record JUST ONE OF MANY.Showing how upset i was that i could not get a normal statement. 
Now i just ran my credit to see that because of LOAN CARE AND SLS refusing to give a payment method I MADE DOUBLE PAYMENTS IN XX/XX/XXXX IT SHOWS THREE PAYMENTS SLS ONLY REFUNDED ONE PAYMENT IN XXXX LOAN CARE TOOK DOUBLE PAYMENTS FROM XX/XX/XXXX TO XX/XX/XXXX HOLDING THE PAYMENT NO LETTER SENT SAYING IT WAS INCORRECT SLS REFUSING TO ANSWER SENDING THE LETTER I GAVE A COPY THEY WERE REVIEWING... XXXX MO FOR THIS COMPANY NO ANSWERS REFUSES TO MAKE ANY DOCUMENTS AVAIABLE. LOOK AT WHAT I HAVE PROVIDED TAX STATEMENT WRONG FOR XXXX I HAVE SO MUCH MORE TO SUPPLY ... THIS IS DONE WITH MALACE AND FULL INTENT TO MISLEAD WITH HOPES OF PUTTING BORROWERS IN RISK OF FORECLOUSER AT FIRST I GAVE THEM THE BENIFIT OF THE DOUBT,,, NOW THREE YEARS LATER WITH NEW HARRASMENT EVERY MONTH FROM THIS COMPANY I CAN SAY THE REFUSAL TO SUPPLY INFORMATION ALONG WITH THE LETTERS TO DEMAND MONEY THAT IS NOT DUE, EVEN SENDING INCORRECT INFORMATION TO THE CREDIT BUREAU I HAVE PROVIDED MY PAYMENT HISTORY FROM MY BANK I HAVE NEVER BEEN LATE EVER. TO DAMAGE ME HAS BEEN ALMOST EVERY MONTH .EITHER SENDING LETTERS DEMANDING INSURANCE WHEN THE BINDER WAS SENT TO THEM IN ESCROW..PRETENDING THEY DID NOT HAVE IT .EVEN CALLING THIS PROPERTY A CONDO WHEN THE APPRAISAL SPELLS IT OUT .RESIDENTIAL FOUR PLEX FOUR SINGLE FAMILY HOMES ON A LOT IN A RESIDENTIAL NEIGHBORHOOD OF THE SAME .SMALL INCOME PROPERTY CONFORMING EACH HOUSE SEPERATE METERS PARKING YARDS STUCCO EXTERIOR RAISED FOUNDATIONS LAUNDRY ROOMS IN EACH HOUSE.GARAGES NOW THE SLS PEOPLE HAVE DAMAGED ME BEYOND WHAT I CAN EVEN SAY ... ..I NEVER IN MY LIFE TIME HAD A MORTAGE LATE OR HOME LOAN LATE ... ..IT HAS BEEN THERE SINCE I TOOK LOAN I JUST RAN MY CREDIT I SENT A COPY .THERE IS NO WAY TO DEAL WITH THIS COMPANY I HAVE PHONE CALL RECORDS ON HOLD FOR HOURS FAXES UP TO 45 PAGES AT A TIME LETTERS I CANT TELL YOU HOW MANY SPECIALIZED LOAN SERVICER IS DANGEROUS
Product: Debt collection

XXXX I CALLED TOO INFORM TOWER LOAN COMPANY ABOUT THE DEBT AND TOLD THEM MY ATTONERY WOULD GETTING IN TOUCH WITHEM SOONER AND SHE THEATHEN ME AND TOLD ME IF I DONT GIVE THEM ANY MONEY TODAY WHICH XXXX AND IT HAD TO IN CASH AND IF DIDNT SHE WOULD TAKE LEGAL ACTION AGAINST ME AND THEY AHVE BEEN CALLING ME DAY AND NIGHT FOR SEVERAL WEEKS!! AND THE AMOUNT THAT I OWE THEM FOR PASS DUE PAYMENTS OF XXXX DOLLARS AND MY TOTAL AMOUNT IS XXXX DOLLAR AMOUNT.
Product: Credit reporting or other personal consumer reports

I have filed disputes with the XXXX Attorney General, Federal Trade Commission, Equifax, and XXXX regarding the timeshare scam/fraud I was involved with. XXXX is reporting this loan as a Mortgage on my credit reports with XXXX and Equifax, but timeshares should not be reported as a Mortgage according to the XXXX XXXX XXXX XXXX ruling No. XXXX. Should be installment vs mortgage loan.
Product: Debt collection

I have received XXXX phone calls outside of the acceptable outlined time frames. XXXX aprox at XXXX the other XXXX. I receive blocked calls and identified calls. Today, Saturday i received a blocked call at XXXX blocked and XXXX unblocked. I have tried calling back numerous times and I get no one so I checked and their business hours end at XXXX. Therefore, I am also receiving calls outside business hours not affording me the option to yet again resolve my " debts '' which I previoisly explained I was working with my insurance to resolve. I feel harrassed because the calls dont stop and i cant get a human to tell them to stop calling. I get on average 2-3 phone calls every day to other day and constant voicemails with no missed calls
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is XXXX ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I must contact my attorney and pursue legal action. 

XXXX the list of the questionable items : XXXX XXXX XXXX - Account XXXX I don't recall having late payments on this account XXXX XXXX XXXX  - Account XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro XXXX Compliant Reporting Format Standard XXXX XXXX ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the XXXX characters of the XXXX statement, and all of its trailing fragments, and any other necessary aspect of factual reporting XXXX - Account XXXX Please remove it from my public record XXXX XXXX  Account XXXX Please supply information on how you have verified this item. 
XXXX XXXX XXXX  - Account XXXX This is not mine.
Product: Debt collection

Around XX/XX/2022 I wrote AR RESOURCES via certified mail concerning an alleged medical debt. I asked that they attempt to validate the alleged debt by providing me with the original creditor information, breakdown of fees, original contract with the provider of services and they have not responded. It has been over 30 days and I have not heard from them at all. AR Resources is currently in violation of the FCRA and FDCPA. I have uploaded an invoice with all the applicable violations from AR RESOURCES. I would like for AR RESOURCES to compensate me a settlement of {$3000.00} and to DELETE this alleged debt off my credit report. Please make check payable to XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA XXXXection 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act ( XXXX  XXXX accounts ; XXXX, XXXX, XXXX XXXX account XXXX in XXXX, XXXX XXXX XXXX XXXX acct 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 has violated my rights. 
15 U.S.C 1681 section 602A. state i have the rights to privacy.

15 U.S.C 1681 section 604A. section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account NXXXX & Account Number : Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( 73 Am Jr sect. 93 ) & ( Gearing v Check Brokerage Corporation ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting ActXXXX XXXX XXXXXXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX bankruptcy discharged Reference number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
Product: Debt collection

Professional credit service XX/XX/year> {$3200.00} I do not want to contact them to renew the statute of limitations because they have been met this is a 10 year old debt
Product: Credit reporting or other personal consumer reports

XXXX reported two accounts to Equifax. I have no open accounts and no balance due. I was not aware of two accounts, only one. It was paid off using XXXX phone payments months ago. Two days ago my Credit score with Equifax was XXXX the unauthorized open account reported to the credit bureau dropped my score XXXX points. My accounts are paid in full. This error will delay or cancel my loan for medical procedures. 

These accounts must be closed and show paid as agreed.
Product: Credit card or prepaid card

Capitol One has restricted my access to my credit card account.They say they need to verify my identity but all documents that I have sent through their secure email link and fax line have been rejected making it impossible for me to verify my identity to gain access to my account and I have also been forced to put a freeze on my credit and a fraud alert on my credit reports because I have no way of knowing who at Capitol One is gaining access to the documents I have sent so far.Calling their customer service line I am put straight through to their fraud department where due to the heavy accents of the people that answer the call I can not understand most of what is being said and they are convinced I am guilty of some type of fraud for trying to log into my own account with no proof and refuse to do anything to fix this issue and I have been hung up on repeatedly.This credit card account is in good standing and has been open since 2012 with no issues with account until this..The entire time I have had this account they had always acted in a professional manner until this issue now they are acting in a very rude unprofessional manner and refuse to come up with a way to fix this issue.HELP! Please
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In accordance with the Fair Credit Reporting act XXXX, Account # XXXX, in the amount of {$2400.00} and account # XXXX, in the amount of XXXX has violated my rights. 

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

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

I have bought a XXXX XXXX XXXX XXXX XXXX and an auto loan from Chase auto finance was given. I filed for chapter XXXX ( XXXX ) bankruptcy on XX/XX/XXXX and the car was repossessed by chase auto finance ON XX/XX/XXXX. Loan number XXXX vin number XXXX. Chase sold the car for MORE money than what I owed them. XXXX dollars more and they should have sent that money to me by check but they never did. Chase stole my money and kept it and never sent it to me. The car was sold for XXXX dollars and I only owed them XXXX dollars and after all expenses they had a surplus of XXXX dollars that should have been refunded to me but never did. I called them and they insist it was chapter XXXX but it is NOT. I filed for chapter XXXX. 
Chase auto finance repossessed the XXXX XXXX XXXX and sold it and kept the extras money to themselves and this is FRAUD I am attaching pictures of the loan number
Product: Debt collection

I requested that this company validate this debt (see attached), which they failed to do, I do not know what it is for, because they failed to validate it, and I do not know what the heck they are doing on my credit report! Please help me! I'm trying to buy my first house, and I don't know why this company keeps harassing me!
Product: Money transfer, virtual currency, or money service

Hi, I 'm a customer of Coinbase, a platform for cryptocurrency trade. On XXXX XXXX, XXXX I 've tried to transfer some of my bitcoins ( XXXX XXXX, to be precise ) from my 'offline vault ' registered with this company to my 'wallet ' at the same company. That transaction was n't finished due to their system problem. So, I had to cancel it and tried to make this transfer again ( the same amount, the same date, the same vault and wallet accounts XXXX. That 2nd transaction was n't successful either. So, I had to cancel it again. Then I tried to make the same transfer one last time with no success and had to cancel that last transaction as well. I had 3 attempts in total and none was successful. My bitcoins from offline vault gone and my balance is XXXX now. I never received those bitcoins in my wallet either. On the contrary, my offline vault balance is now XXXX XXXX ( or $ XXXX as on XXXX XXXX, XXXX XXXX XXXX ). 

The same day ( XXXX XXXX, XXXX ) I 've sent an email to XXXXXXXXXXXX and opened a case using company 's online support system. I got no response and tried to reach out to them again on XXXX XXXX, XXXX, and again on XXXX XXXX, XXXX, and again on XXXX XXXX, XXXX. None of these outreaches got any response from the company whatsoever. I tried reaching out to them via twitter on XXXX XXXX, XXXX with no response either. I opened additional case describing my problem again using their online support. No response. 

Now, I do n't have access to my XXXX XXXX and can not use my other cryptocurrencies ( XXXX XXXX and XXXX XXXX ) because my balance in the system is negative and it does n't allow me to use my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX FRAUDULENT STUDENT LOANS OPENED USING A EMAIL ADDRESS AND PHYSICAL ADDRESS NOT MINE THEREFORE IT IS IDENTITY THEFT USING MY IDENTITY!! NELNET TOLD ME THIS AND REFUSES TO ACKNOWLEDGE MY IDENTITY WAS STOLEN AND TRYING TO COLLECT FRAUDULENT MONEY OFF OF XXXX SEPARATE STUDENT LOANS!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name should only be listed as : XXXX XXXX The only address I have is my current address : XXXX XXXX XXXX XXXX, XXXX, XXXX AZ XXXX Please remove all other addresses and names Remove : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing XXXX  cred agency, because of the covid 19 disaster, I had to shut down 3 businsseses, all of my loans and credit cards have reported delinquent starting from XX/XX/XXXX, They should not be able to be reporting lates during the covid 19 when everything was shut down, and I still have 2 of my business shut down, I would like these late payments removed as I am trying to get an sba loan to help get them up and running and this is hurting my credit, I have disputed with my creditors and with XXXX and nothing was resolved to take off the late payments that were reported, when it was not my decision to shut these businsses down and have no money to pay these bills on time, since then I struggled to get them all up to date but the late payments from XXXX to XXXX should be removed.
Product: Debt collection

Debt collector called me and left a voice mail and immediately called my wife and left a voice mail. I later called the company back and spoke with them and am working on researching the monies allegedly owed and they sent me a settlement offer. I spacificly asked them not to call another number on my account only to speak with me regarding this issue. Less than XXXX min after I got off the phone the same person I just spoke to spoke with my wife. I was confused as my wife was questioning everything including where I lived when I took out the loan 10+ years ago 3 years before I married my wife, 1 year before we made contact again. She knew all of the references that were on the original loan and told my wife " your husband did these XXXX illegal acts behind your back and has been hiding them from you '' These statements are bad enough however when I was speaking with my wife last night she told me that not only did she say these things she coached her into having a conversation about it. My wife did not know my social security number and the agent asked her " isnt the last XXXX of his social XXXX, she said i am not sure and the agent said sure it is. That is when she started explaining all of the details of my debt, from 2005. 

Now, I am not the type that would withhold information from my wife, I relay believe/believed that this was settled when I worked with credit counseling but now my wife of nearly 7 years believes I am hiding things from her and gaining her trust back is going to be difficult.