23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer and Im making this Complaint against ARC MAN GROUP LLC for committing identity theft. I have never given ARC MAN GROUP LLC any permission to use my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Im legally refusing to pay this debt Pursuant to 1692c ( c ). I am demanding a cease and desist of all activity, any communication and collection activity, Of this and any alleged debt until ARC MAN GROUP LLC can provide me with sufficient documentary evidence, such as a trilateral contract that I have any legal obligation to pay them and also provide me with your errors and omissions insurance number. Are you licensed and bonded to collect in the state of Louisiana XXXX. XXXX Medical Statutes? I provide proof XXXX requesting all information. If this documentary evidence can not be produced and ARC MAN GROUP LLC continues it collection efforts. I wil file for litigation for Emotional, Economical, defamation for actual damages caused and ARC MAN GROUP LLC admission will be held criminally liable for aggravated identity theft Pursuant to 18 USC 1028A extortion, theft, by deception, securities fraud, and mail fraud and Im requesting to be provided your license and prove your bonded to see if can even collect in state of Louisiana Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1 - 202f. Your Prompt Attention and Response are both Requested and Required. ARC MAN GROUP LLC - XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX The universal requisites, at a minimum, include adhering to any and all applicable federal and state statutes, regulations, and standards which is required to ensure that the involved entities each have the correct policies and procedures in place to document their confirmed certifiable compliant reporting process even to the mandates to adhere to the XXXX XXXX data-filled field formatted reporting standards, of which no omitting nor deviations from the aforementioned standards can exist without jeopardizing the claimed data 's integrity calling into question its ethical and or lawful retaining of the very conditional privilege to report complete, true, accurate, physically proven data. THIS OFFICIAL CONSUMER COMPLAINT is my compliance-based contesting of the accusers reporting privilege related to any negativity accused versus me. In this, accept my challenge of you and or the reporter for proof of adequate confirmed reporting process including the mandatorily utilized XXXX XXXX format. 
CLEARLY, INACCURACIES CANT BE CERTIFIABLY COMPLIANT! 
XXXX GM FINANCIAL Account number XXXX XXXXXXXX XXXX Type Detail : Reason : XXXX Account Type : Reason : MISSING INFO XXXX Credit Limit : Reason : XXXX Highest Credit/Original Loan Amount Reason : MISSING INFO XXXX Terms Duration : Reason : MISSING XXXX Scheduled Monthly Payment Amount : Reason : XXXX Account Status : Reason : Not accurate XXXX Comments : Reason : XXXX Compliance Condition Code : Reason : MISSING INFO
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts and inquiries on my credit report that wasn't opened by me. This has been hurting me as I am in the process of purchasing a home for my family. Im also aware that my information had been exposed in the XXXX Data Breach and I'll provide proof of that as well. Please remove these accounts & inquiries from my credit report and soon as possible. Thank you! 
ACCOUNTS ( XXXX- XXXX - XXXX {$11000.00} ; XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX  - XXXX - XX/XX/year> - {$14000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$49000.00} - XX/XX/year> ; XXXX XXXX XXXX, XXXX. - XXXX - {$36000.00} - XX/XX/year> ; XXXX XXXX - XXXX - {$46000.00} - XX/XX/year> ; ) ( INQUIRIES- XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX
Product: Mortgage

In XX/XX/XXXX, I purchased a home using a conventional mortgage from Valley National Bank. I entered into an agreement to escrow my property taxes. The bank has failed to pay my property taxes on time since closing. This covers two tax quarters, both delinquent and one remaining unpaid. 

On XX/XX/XXXX, I realized my property taxes were almost a month late. I was instructed to email XXXX XXXX, a manager at one of the branches, and informed him of the delinquent tax payment. The bank then overnighted the payment. 

In XXXX XXXX, I was, yet again, informed by my XXXX that my next quarter tax payment was delinquent. I informed Mr. XXXX of this error. He informed me they would overnight the check. On XX/XX/XXXX, my taxes were still unpaid with no check received. I was informed the check was mailed to the wrong address and they would overnight it again. The bank then suggested I take my taxes out of escrow and pay them myself going forward. Which I find completely unacceptable. The agreement I entered into with Valley was to escrow my taxes. I should not be forced to pay my property tax payments myself. 

On XX/XX/XXXX, I was, once again, informed by my XXXX that my property tax payment is still delinquent. No payment was received from my bank as of today. 

If I, as a mortgagee, was delinquent with my payment I would be heavily penalized and my home in danger of foreclosure. Valley should not be allowed to continue mishandling my money and violating our lending agreement. 

XXXX XXXX has been kind and responsive, but Valley continues to display a lack of administrative capacity in managing its escrow accounts. I also uncovered major errors during the application/closing process, which seemed to have been a precursor to their administrative ineptness. I would caution all consumers from working with Valley National Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a fraud account on my credit in the amount of {$1600.00}. This is not my account and is the result of identity theft. This is a violation of the Fair Credit Reporting Act and needs to be removed from my credit immediately. This is also a medical bill and a violation of HIPPA. This needs to be removed immediately before I take legal action.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I had a Capital One Credit card that was legally settled on XXXX/XXXX/2015 but is still being reported by Capital One to the XXXX national credit reporting agencies, XXXX, XXXX & XXXX. This account was placed with the XXXX XXXX XXXX, attorney firm, and was subsequently settled with the law firm. I have disputed this error both with the XXXX credit reporting agencies and with directly with Capital One, per the FCRA, but Capital One has arrogantly refused to correct their erroneous reporting. I have attached the settlement offer letter from XXXX XXXX and proof of payment, both of which were furnished to Capital One in my dispute with them.
Product: Credit reporting or other personal consumer reports

I am writing to request proof of ownership for the account listed below, which appears on my credit report. This request is made under section 1682G ( B ) of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to consumer reporting agencies ( CRAs ) to provide accurate and complete information.

Account Information : Account number XXXX I have reason to believe that there may be inaccuracies in the ownership of this account, and I am requesting documentation that verifies your ownership and the validity of the debt.

Please provide the following documents : 1. Proof of ownership of the debt, such as a signed agreement or contract.

2. Documentation showing the original creditor and any subsequent assignments of the debt.

3. Any other relevant documentation that supports your ownership of the debt.

Please send the requested documentation to me at the address listed above. If you are unable to provide the requested documentation, please inform me in writing.

I appreciate your prompt attention to this matter and look forward to receiving the requested documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account that was discharged via bankruptcy from XXXX has somehow found its way into a new collection agencies hands ( XXXX XXXX XXXX ) and has now become present on my credit reports as a collection as of XX/XX/2020. This new collection account is LOADED with inaccurate information, contradicting information, ( ex : XXXX  has the account showing as discharged via bankruptcy, and this account has been allowed to pop back up as a collection while still showing its discharged??? ) Furthermore the dates, amounts, source etc. are all wrong! Experian dispute was useless and in the reporters favor and havent provided me a stitch of proof or evidence. This company has also failed to make any attempt to contact me by any means and instead decided that they would just report this frivolous inaccurate account. I want it deleted immediately. This is grimy practice.
Product: Mortgage

I was approved for an FHA loan - 30 year, fixed, 3.5 % interest rate - originally through XXXX XXXX XXXX. Very soon afterwards, my mortgage was sold to Freedom Mortgage. Due to having some health issues, I had to take off some time from work and became late in my payments. During that time, I was generally about a month behind. The company would discuss loan modification with me, but then would generally comment that they would not recommend I do the loan modification and instead I should just try my best to catch up on payments. In the process of trying to get all that settled, I had several things happen which made me about two months behind. Just when I was getting caught up, I was notified that my mortgage was increasing from {$1000.00} to {$1600.00}. When I called about this significant increase, I was told that the company had completed an Escrow Analysis and determined that they were not having me pay enough to meet my property tax  requirements. Initially my payment was broke down as follows : principal {$880.00}, escrow {$150.00}. They said that they had increased my escrow payments to {$510.00}. Additionally, they said that I had a deficit in my escrow and therefore, I would have to pay an additional {$290.00} per month towards that. When I asked why they had not recognized this issue from the get go, they told me that my house was a new development and therefore they did not have the tax information. However, my parents have had a house built in the same area that I live in and their escrow payment for taxes and insurance was assessed properly. I was a first time home buyer, no one explained caught this oversight during closing or any time before I closed. Although I was able to borrow the money to pay the deficit in the escrow, my payment has still increased significantly. I am afraid that I will lose my home. Are there any suggestions on how to address this? I have continued the loan modification process, although, every time I turn around there is something they need that they never said anything about before. I just would like help with guiding me through this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to en-sure accuracy. My Account currently states Serious Delinquencies on all of my reports. 
This LABEL has seriously hurt my credit rating and I am requesting that is be removed from all bureau reports. 

Here are the items I am asking you to verify as accurate : 1. Through previous correspondences, I have shown that XXXX did not follow suit and remove the file from all three reporting agencies. The file was only removed on Transunion. I am requesting that a follow up be made to make sure this XXXX file is removed from XXXX AND XXXX  ALSO. 

2. Through Previous correspondences, I have shown that XXXX/Dept. of Education has reported inaccurate information regarding my account. XXXX has reported late Payments stating 90 and 120 days when my payment history clearly shows that I was Current the previous month so it was impossible to be 90 days late. I am requesting that this file be deleted due to inaccurate information Due to these inaccuracies, My credit file has been labeled as Serious Delinquencies which is currently damaging my credit worthiness and costing me great harm financially
Product: Debt collection

I am writing to formally notify you that your attempts to collect on the alleged debt acct # XXXX in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. As you may not be aware, this claim is governed by an arbitration agreement with progressive, which clearly stipulates that " any dispute must be resolved through arbitration due to the binding agreement. '' To date, no arbitration proceedings have been initiated. As a direct result of that this constitutes a material breach of the original agreement, which was acknowledged by all parties involved. As such, I assert that you have no legal right to continue collection efforts on this debt, please cease and desist 15 usc 1692c also remind you of the legal precedent set in XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ), which held that reporting a debt to credit reporting agencies constitutes a form of communication under the FDCPA. Any continued reporting of this alleged debt to credit bureaus without proper validation will be considered a violation of the FDCPA. Additionally, I understand that this alleged debt was likely purchased for pennies on the dollar. Given these circumstances, I am extending you an opportunity to resolve this matter amicably. Arbitration, as stipulated in the agreement, is not a trivial matter. The cost of arbitration can be significant, and I believe it would be in your companys best interest to avoid the expense and time involved. Below is an itemized list of typical costs associated with arbitration : Filing Fees : The cost of filing for arbitration can range from {$200.00} to {$1500.00}, depending on the arbitration provider and the amount in dispute. Arbitrator Fees : These fees can range from {$500.00} to {$2500.00} per day, with multiple days of hearings often required. Legal Fees : Each party is responsible for their own legal costs, which can easily exceed {$5000.00} in many cases. Other Administrative Costs : This includes fees for document handling, hearings, and other necessary procedures, which can add up to an additional {$1000.00} {$3000.00}. As you can see, the total cost of arbitration could easily exceed {$10000.00}, not to mention the potential for additional legal expenses. Thank you for your prompt attention to this matter. I look forward to resolving this issue swiftly.
Product: Debt collection

After paying the debt creditors XXXX for the XXXX XXXX XXXX account ending in XXXX ) off for the collection, I asked if XXXX would send me something in writing showing that both accounts with XXXX XXXX were showing a {$0.00} balance. The document was sent to my email in which I printed off and made copies. 

I then sent the supported document certified mail to all three credit bureaus. I contacted XXXX and disputed several times about the {$250.00} balance that was still showing on my credit report and to no avail they refused to note that the balance is {$0.00}. 

Both XXXX and XXXX complied to my rights of reporting correct information. But, XXXX refused.
Product: Debt collection

On XX/XX/2019, I contacted National Recovery Agency in reference to the debt verification letter that was not received in a timely manner after it was requested. They stated that they had the wrong address and they were correcting it and resending it. I emailed them telling them I consider this verification untimely because it may not arrive in time to dispute the alleged debt, which the original creditor says was an error in their records and that I do not owe. NRA Group , LLC stated that they would continue to collect the debt. When asked for proof they were liscenced to collect denlbts in Illinois and the state of South Carolina ( or on a Military Installation, for that matter ) they refused to provide liscenced number and proof as a  registered debt collection agency. XXXX XXXX said the debt should not have been reported to collections. I am asking that the agency remove this information from my credit report as the alleged debt is now disputed and they have not verified the debt.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX, XXXX {$590.00} they reversed money to me and told me to go get a prepaid card from a store and the on XX/XX/2022 {$1100.00} was in my account and was also reversed. They also told me that I can send the money cash app, XXXX XXXX to help build my credit. They also told me that they will turn my card off. I called the company and I dont have an account with them.
Product: Credit reporting or other personal consumer reports

My credit age on all 3 of my credit reports are incorrect I have been a XXXX XXXX Member since 2017 and transunion XXXX XXXX is showing I have only been a member for 7months and I want my information updated correctly to 6yr credit history
Product: Checking or savings account

On XX/XX/2023 a car I rented was stolen out the hotel parking lot. I contacted XXXX XXXX police and they recovered the car. XXXX XXXX XXXX was the company name that charged me by mistake instead of the liable party. Furthermore the police didnt release the name of the individual who committed the theft. I filed a complaint with the claims department and received what they called a provisional credit then Wells Fargo reversed the credit claiming a lack of information. I then got i touch with another representative with Wells Fargo after sending the requested information. The representative then informed me that the credit had been returned and the claim had been resolved. On XX/XX/2023 Wells Fargo then fraudulently removed {$1200.00} from my account saying the initial claim was under review. I then requested a call review regarding the representative who had replaced the money in my account and informed me the claim was resolved. I have continued to request this information and every time I do a representative tells me no such review has been requested. Im filing a complaint against Wells Fargo for dishonesty and incompetence.
Product: Checking or savings account

On XX/XX/21 I opened a Citi online accelerated savings account. At the beginning of this year I noticed that I was locked out of my account. I attempted to call to resolve the issue since I couldnt reset my password. They informed me that my account had been closed and that I should receive a letter in the mail. I waited a few weeks and still no letter. Called again and was told the same thing. They informed me it could take up to 3 months. Ive called twice since and I get the same run-around. I have a little over {$3000.00} in the account and would just like my money back as I would like to reinvest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion and XXXX have abused their position of being consumer reporting agencies. With the misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with the boundaries of FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy you can not charge off a card and still report it as over the limit, do you see the problem with this account?

Discover Bank Discover Bank ( Revolving ) Accounts - Summary XXXX XXXX XXXX Last Updated XXXXXXXX XXXX XXXX XXXX Payment Status Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency None Reported Charge Off/Other Derog Balance {$5400.00} {$5400.00} Credit Limit {$5000.00} {$5000.00} Credit Utilization 110 % 110 % Terms Revolving Scheduled Payment High Balance {$5400.00} Loan Type Credit Card Credit Card Responsibility Individual Account Individual Company Name Discover Bank Discover Bank Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Comments Account information disputed by consumer Account Information Disputed By Consumer
Product: Mortgage

Statebridge Company , LLC bought my second mortgage on XX/XX/2019. Statebridges first bill to me in XX/XX/2019 showed an amount in excess of {$1800.00}. The normal monthly payment is {$360.00} at a fixed payment and fixed interest rate. When I contacted Statebridge they told Me I had failed to make the last 5 monthly payments even though Statebridge has just bought the loan. I filed complaints with the North Carolina Attorney Generals office, and the North Carolina Commission of Banks. I submitted copies of electronic payments made to the previous loan services, XXXX XXXX XXXX, LlC. Statebridge reported false negative credit information to the 3 credit reporting agencies and has permanently damaged my credit. To this date Statebridge has not corrected their mistake, has not sent a correct statement for payment due, and has not corrected the outstanding balance due on this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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. 
XXXX XXXXXXXX XXXX XXXXXXXX ( 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.