23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX, I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX regarding pending legal action filed by SELIP & STYLIANOU LLP with the XXXX XXXX XXXX XXXX XXXX, in New Jersey Docket # XXXX which required a response by XX/XX/XXXX. 

Plaintiff : SELIP & STYLIANOU LLP Amount : {$3800.00} Per the Fair Debt Collection Practices Act, SELIP & STYLIANOU LLP has violated the sections below : 15 U.S. Code 1692e. False or misleading representations SELIP & STYLIANOU LLP shall not threaten to take any action that can not legally be taken or that is not intended to be taken. 

15 USC 1692g ( 5 ) ( d ) Legal Pleadings SELIP & STYLIANOU LLP has violated 15 USC 1692g ( 5 ) ( d ) by sending a Civil Action via the Superior Court of New Jersey, Docket # XXXX as initial communication. 

XX/XX/XXXX, my letter for a debt validation was received by SELIP & STYLIANOU LLP. 

As of XX/XX/XXXX XXXXELIP & STYLIANOU LLP has not responded to my debt validation request and has not complied with the FDCPA. 

During the 30 day period starting on XX/XX/XXXX, SELIP & STYLIANOU LLP is obligated to cease collection of debt instead, SELIP & STYLIANOU LLP has continued their collection activities by sending a letter on XX/XX/XXXX requesting payment for a reduced amount of {$1400.00}. 

15 USC 1692g ( b ) Disputed Debts SELIP & STYLIANOU LLP has violated 15 USC 1692g ( b ) by continuing collection activities - In numerous instances, through the means described above the Plaintiff, SELIP & STYLIANOU LLP has violated the Fair Debt Collection Practices Act and is obligated to pay {$1000.00} for violations described to the defendant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried settling a debt. That I had no idea about. It turns out it was a bill for my daughter. The only reason I found out about this is because I am in the process of buying a home and when they pulled my credit the mortgage lender notified me and I was shocked to see this. I immediately called the creditor who are located in XXXX Illinois. I told them I would pay it over the phone for deletion on my credit report. She told me to write a letter to the supervisor XXXX XXXX about my situation. That she does the reporting to creditors in the beginning of each month. 
I wrote the letter and mailed it out immediately. Never heard back. So I called again. I was told that they got my letter and that they would require payment in their hands first then decide if they would delete from my credit reports. She then however mentioned to me that they dont delete from reports. I then reiterated " so you guys need payment in hands and even then you still won't guarantee the deletion? " she said that is correct. 

I am trying to pay this off but they are not accommodating by any means. I have been nice every single time I am really trying to settle this. The closing on my future home is less then 60 days away. Can you help me please. 

My email is XXXX XXXX XXXX
Product: Checking or savings account

I opened up a checking account on XX/XX/XXXX with HSBC bank because they promised a {$200.00} bonus. They never paid this bonus out despite repeatedly telling me it would be a matter of weeks or months. As you can see from the attached screen shots of the current same promotion they're still offering, the {$200.00} bonus should have been in my account by XX/XX/XXXX because of the 8 week time frame they give. They kept moving back the date that the funds would be available. After the 2nd time of telling me the funds would be available at a later date, I demanded they fix this issue and deposit the funds by the end of the business day. They gave me continued run around about how this department couldn't do this or that, and that they would have some people investigate the issue. I refused to buy any more of their XXXX ( lies ), so I told them to transfer all of my money in the savings account to my other much better bank. They said the transfer would happen within 3-4 business days on Saturday XX/XX/XXXX, and I still don't have the money here on Monday XX/XX/XXXX. This is consistent with their pattern of lying and not honoring deadlines they have given me for what they would do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection agency keeps disregarding the laws. I have sent letters asking them to provide the original signed documents ( by me ) proving the debt is mine and have not received a response or proof. Ive shown them multiple times how they are violating the Fair Credit Reporting Act. This is holding me back from purchasing a home for my family. 

According to 15 USC 1681i ( 5 ), the credit bureaus must modify or delete accounts that are not reporting accurately.

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 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on!

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

On XXXX MONTEREY COLLECTION SV : # XXXX has violated my rights. 


This collection agency has no respect for the laws. Someone needs to hold them accountable for this.
Product: Credit reporting or other personal consumer reports

> Inaccurate info reported >1 year, then removed ( XX/XX/XXXX ). Pre-arbitration notice sent XX/XX/XXXX ; no response within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm frustrated because my consumer report still contains incorrect names and addresses, even after I submitted my driver 's license and disputed the wrong information about a month ago. The company already has my accurate details, so it seems like they're not making the effort to do their part. They should be following the rules outlined in the FCRA to ensure they delete information that's wrong, incomplete, or unverifiable. While they did remove one inaccurate entry from my report, they haven't fixed all the mistakes, which I consider lazy on their part. This should be the last time I have to dispute these incorrect names and addresses. They already have the right information from my driver 's license, so it's frustrating that they're not being fair and doing their job properly. It shouldn't be difficult for them to review a report and remove information that doesn't match what I provided to them.
Product: Credit reporting or other personal consumer reports

I am having an issue getting my free annual consumer report from XXXX XXXX, XXXX XXXX XXXX and Innovis. I would like XXXX XXXX, XXXX XXXX XXXX and Innovis to mail me a complete copy of my XXXX XXXX, XXXX XXXX XXXX and Innovis consumer report.
Product: Credit reporting

There are XXXX XXXX Accounts on my credit report, please note the acct numbers - This is Account 1. 


Account Number XXXX 1. This account is Closed and has a CLOSED DATE 2. This account should say " CLOSED '', and not Current in its PAY STATUS 3. This account is missing Pay History 4. This account is missing Balance History 5. Please validate this account, and the PAY/Balance history from its inception - and CLOSE the account
Product: Debt collection

date opened XX/XX/XXXX Status : Closed written off {$4700.00} Status updated : XX/XX/XXXX Original balance : {$33000.00} Last payment date : XX/XX/XXXX I am Unaware of this debit, I did not have the opportunity to dispute this information. I did not receive proper notification if in fact you believe you gave me proper notification, please provide the certified receipt with my signature stating that I received it.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and noticed unauthorized inquiries on my report. The inquiries are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I'm in a state of distress, as these unauthorized inquiries have affected my credit score. I'm requesting these inquiries to be removed.
Product: Student loan

Following up student loan for classes I didnt attend. With draw from college with in 30 days. Tried to get resolved for over 10 years. Keep getting run around!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX )XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below are the list of the disputed accounts. 
XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$19000.00}
Product: Mortgage

We were told the the documents have been tagged complete on XX/XX/2019 and it would take up to 30 days. We have checked for updates from time to time and the file is still in review. But then, they provided us another information stating that the documents have been tagged complete on XX/XX/2019 and now the decision will be made on or before XX/XX/2019 which is way longer than what we have informed the first time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that have been listed on my credit report. The accounts in question are as follows : XXXX XXXXXXXX late payment account XXXX XXXX XXXXXXXX late payment account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX PA ) XXXX collection account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX collection account XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX collection account XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX collection account XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX collection account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) collection account XXXX XXXX XXXX XXXX charge off account XXXX XXXX XXXX charge off account XXXX XXXXXXXX charge off account XXXX ( Original Creditor : XXXX ) XXXX collection account XXXX ( Original Creditor : XXXX  ) XXXX collection account XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX collection account I dispute these accounts as they are inaccurate and do not belong to me. I have reviewed my credit report and have found that these accounts do not reflect my payment history or credit behavior. I believe these accounts were reported in error and should be removed from my credit report. 

Furthermore, I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ) Section 609. Under this law, I am entitled to receive a copy of any information in my credit file. I request that you provide me with a copy of the documentation that supports the validity of these accounts, including the name and contact information of the original creditor. 

If the accounts can not be verified, I request that they be removed from my credit report. I also request that you inform me in writing of the outcome of your investigation, and that you send me an updated copy of my credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I have a mortgage with Seterus Company, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OR XXXX. I have an automatic payment process through XXXX XXXX XXXX that pays them on the XXXX of each month for the upcoming month. In XXXX 2015, I mailed in a {$20000.00} check and wrote apply to principal XXXX places on the check as well as a letter stating the same. Seterus applied the check to XXXX future payments and applied only a portion of the check to overpayment. After numerous phone calls, emails and a letter from the Attorney General of Arizona my {$20000.00} was applied to principal. Immediately after, Seterus without my consent changed my monthly automatic payment and applied it to principal instead of payment and charged my a late payment fee. This is gone on every month since that and when I call I get statements such as " Your Bank is not paying right '' and " The computer made a mistake ''. Now their creative accounting applies the payment on XXXX XXXX to XXXX XXXX and XXXX XXXX to XXXX payment. This is incorrect and allows Seterus to ( wrongly ) collect additional interest. This company states it does not charge prepayment penalty but I feel this is what they are trying to do.
Product: Mortgage

Hi I was hoping that you might have the availability to help me my as I'm sure this has happened to other unsuspecting consumers. The lender in my case is Mr. Cooper ( Nationstar Mortgage LLC, ) who currently has several class action lawsuits against them now. 

I have attached a copy of a letter recently sent to Mr. Cooper which is self explanatory referencing a property I own. I respectfully hope you find the time to read it and come to a conclusion that what transpired just isn't right. If for no other reason than the 3rd party placed insurance which is explained in the letter. Someone unsuspecting as myself would be paying an exorbitant premium based on a fabricated liability coverage amount, assuming they had no choice. Or argue the position with them as I did and still lose having no recourse to their charges and unwittingly lose my property as well.

I have to question then, is it in some way a predatory lending practice that shouldn't be permissible but because they're in charge they just do what they want, the little guy be damned.

I thank you very much for your time and any consideration you may have to my plight. 

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

I was advised by my credit reporting company to get copies of my credit reports. 

I requested 3 reports. It only showed my XXXX  report, but not the other 2 reporting companies. 

I am unable to identify information that is on my report, ( lack of company names and identifiable information ). 

I was unable to get through to Annual Credit Report. 

Unable to speak to a customer service rep. 

Unable to resolve. 

There is no place on their website to request all three to be mailed, only print, the only one was XXXX, NOT Trans Union or XXXX.
Product: Debt collection

I am having my paycheck garnished for a 10yr old {$9300.00} old debt that wasn't able to be settled between my self & the original bank. This debt is now owned by a new collector ( Cavalry SPV ) for a few hundred dollars, who is shaking me down/extorting me for {$9300.00}. Unable to pay rent & children school fees.
Product: Consumer Loan

purchased a XXXX from XXXX, XXXX, pa .XXXX owner.from day one car had issues then found out the frame was completely rusted took it back to dealer, he took to his mechanic to fix which was never done four months still not done.but the police shut dealer down for racketerring and fraud which my car was involved in inspection sticker and emission sticker passed the jeep all under investigation by state police amongst other things list goes on, the mechanic has been leading me on four months now XXXX owner not paying the mechanic to fix car since he was shut down, i have been stuck four months now with ins and car pmts on a car i didnt even possess, bank says not their problem, what can i do.i did file a judgement with the local district justice which i am waiting to hear from soon.mechanic still holding car etc etc list goes on,
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, All of these cards are fraudulent and due to a data breach that involved my drivers license to be found and privately shared on the dark web. Credit card dropped due to this reason and now my identity is at risk of being stolen again. Please investigate and have these removed. XXXX  has also been involved and is fraudulent with Many transactions that were connected to an unknown device. XXXX XXXX XXXX has also been affected which was the provider that was providing service to the unknown device
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged : 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: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation has been imposed in error, and I would like to request a thorough re-investigation of my case. 

I want to emphasize that I have always been committed to abiding by PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that violate PayPal 's terms of service. Therefore, I am genuinely surprised and concerned by the permanent limitation of my account. 

I kindly request that you review my account once more to ensure that there has been no misunderstanding or oversight. If there is any information or action required from my end to facilitate this process, please do not hesitate to inform me, and I will promptly provide any necessary documentation or clarification. 

My PayPal account has been an essential tool for my financial transactions, and its restriction has caused me significant inconvenience. I sincerely hope that after a thorough review, you will find that there has been no wrongdoing on my part, and you can consider reinstating my account. 

I appreciate your attention to this matter and your prompt assistance in resolving this issue. I am confident that a fair investigation will confirm my adherence to PayPal 's policies and lead to the reinstatement of my account. 

Thank you for your understanding and cooperation.