23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

RE : PORTFOLIO RECOVERY ACCT : XXXX It is not now, nor has it ever been my intention to avoid paying any obligation that I lawfully owe. 

In order that I can make arrangements to pay an obligation which I may owe, please document and verify the " debt '' by complying in good faith with this request for validation and notice that I dispute part of, or all of the allege debt. 

1. Please furnish a copy of the original promissory note redacting my social security number to prevent identity theft and state under penalty of perjury that your client named above is the holder in due course of the promissory note and will produce the original for my own and a judge 's inspection should there be a trial to contest these matters. 

2. Please produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. 

3. Please identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding that alleged debt. 

4. Please verify under penalty of perjury, that as a debt collector, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note. 

5. Please verify under the penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable, unless the party to whom that contract is extended could have rejected the clause without impunity. 

6. Please provide verification from the stated creditor that you are authorized to act for them. 

7. Please verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment. 

I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for that account listed above. 

Under the Fair Credit Reporting Act ( FCRA ), unverified, invalid accounts must be removed. 

If you are unable to provide this to me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once removed the account from credit reports. I demand the account be validated or removed immediately. 

The law is very clear as to the Civil liability and the remedies available to me for the " negligent noncompliance '' ( Section 617 of the FCRA ) if you fail to comply with this Federal law.
Product: Debt collection

This company is calling me & leaving voicemails all day every day. I have 3 just from today 2 from yesterday & 3 from the day before they have been doing this for months I block the number & they spoof it to make it look like its someone calling me from my area. It is illegal to call more than 7 times in a 7 day period & they should not be calling me after XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Ch XXXX was filed in XXXX and paid in full and discharged in XXXX. It shows discharged on Equifax and it has been removed completely from my XXXX and XXXX  reports. It's XXXX and it's the full 7 seven years showing on my credit. Just please asking for the information to be early exclusion and removed from my Equifax report.
Product: Credit reporting or other personal consumer reports

Loan Depot. LLC, XXXX and XXXX are so disorganized and does not pay attention to the Laws governing each state where they have mortgages. Florida is a Judicial State for starting a foreclosure and must be recorded with the XXXX XXXX XXXX. No foreclosure proceeding where ever started XXXX XXXX XXXX since I filed for a hardship mitigation which was approved. I sold the house after disagreements surrounding the title which again their arguments where invalid under Florida Law. Loan depot is ignorant of local laws regulating mortgages. 

I had such an issue with them all the way thru for a year until I sold the house. Now a year later after I sold the house Loan Depot entered a foreclosure on my credit reports. Clearly it is retaliation for the problems I had with them. 

Well this entry on my credit report for the start of foreclosure is against the XXXX XXXX XXXX and the FRCA. I will file a federal lawsuit if they persist. See below letter sent to them. I will also send to all the credit reporting agencies. 

Subject : Dispute Regarding Incorrect Foreclosure Reporting on My Credit Report. 

Dear Sir/Madam, I am writing to dispute the foreclosure information that has been inaccurately reported on my credit reports. The details in question pertain to my mortgage with Loan Depot under account number XXXX. 

Florida is a Judicial Foreclosure State : As you are obviously unaware, Florida follows a judicial foreclosure process. This means that any foreclosure action must be filed through the court system. However, there has been no record of the start of foreclosure filing at the XXXX XXXX XXXX XXXX related to my property. 
False Reporting : Despite the absence of any foreclosure proceedings, my credit report indicates otherwise. This false reporting is damaging my credit score and financial reputation. 
Request for Correction : I kindly request that you promptly investigate this matter and correct the inaccurate information on my credit report. Specifically, I ask that you remove any reference to foreclosure related to my Loan Depot mortgage. 
Federal Lawsuit : If this issue is not resolved satisfactorily within a reasonable timeframe, I am prepared to take legal action. I will file a federal lawsuit to enforce my rights under the Dodd-Frank Act and the Fair Credit Reporting Act ( FCRA ). 
Proof of Non-Foreclosure : The XXXX XXXX XXXX XXXX XXXX Court ran a search and there is nothing filed related to the subject property. This confirms the absence of any start of foreclosure proceedings. 
I appreciate your attention to this matter and expect a response within 30 days. Please provide written confirmation once the necessary corrections have been made to my credit report. 

Thank you for your cooperation. 
Sincerely, XXXX XXXX
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they are not even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint shall be labeled as a follow-up complaint to my previous complaint to ensure the deletion of the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to viol
ations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Debt collection

On XX/XX/2021, i received a letter from Synergetic Communication, INc. stating that i ow a debt of {$7400.00} for some unspecified reason and a setllment amount of {$1800.00} was offered to me. The letter states that this debt is too old for me to be sued over as the statute of limitations has expired but there is no indication of where and when this debt was created. I have absolutely no idea what this is about and to the best of my knowledge i don't owe any debts to any one. I have no idea how to proceed with this as i am afraid if i send anything in writing to the debtor it will restart the statute of limitations and create a bigger mess for me.
Product: Credit card

On XX/XX/XXXX I purchased outdoor equipment from XXXX using my Bank of America AAA XXXX credit card. 

In XXXX Bank of America sold the AAA account to XXXX XXXX. Which today is the new account holder of the AAA XXXX credit card Overtime one of the products began to fail and through my complaints regading the product to XXXX on XX/XX/XXXX XXXX offered me a refund for the failing product in the amount of {$1900.00}. I confirmed with XXXX that I no longer had an account with the bank used to purchase the equipment in XXXX. They informed me that the bank would provide a refund to the new card. XXXX also provided me proof of the transaction back to Bank of America by providing the XXXX number for the refund transaction. 

Since XX/XX/XXXX I have made repeated attempts to contact Bank of America and XXXX to rectify the situation and have the refund sent directly to me to no avail. My last attempt in communicating with Bank of America was on XXXX, XX/XX/XXXX from XXXX to XXXX. During my communication with Bank of America I was repeatedly informed that they could not speak to me or offer me any additional information because I did not have an active account with the bank. I spoke to new/open accounts department, fraud department , a manager in fraud department, and lastly a customer services/ accounts Servies representative . Not one of the representatives was able to track or utilize the ARN number provided by XXXX 

Furthermore, XXXX requested I get written confirmation from either Bank of America or XXXX XXXX  that the funds were not refunded to me. I made that attempt with Bank of America who would not provide me with any status due to the fact I do not have an account. XXXX referenced me to my most recent credit card statement which confirms no refunds in the amount of {$1900.00} since XXXX, XXXX, XXXX. 

Additionally, on Tuesday XX/XX/XXXX XXXX informed me that nothing could be done on their end to recover the refunded dollars. I have repeatedly requested XXXX XXXX Bank of America, void the transaction, and issue me a check for the refund. However, XXXX has informed me this can not be done. 

To rectify the situation XXXX has offered to provide me with store credit which is something I am currently not planning to initiate because I would prefer to have the funds given to me that were refunded to Bank of America. 

I am uploading a word document which includes my entire email transaction with XXXX that includes, order number, dates, refunds, and ARN number transaction with Bank of America.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccurate information on my credit report. Despite my submissions, Equifax consistently responds within 24 ours stating the account is accurate, without providing any evidence of a thorough investigation. this practice violates the Fair Credit reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provided consumers with the necessary proof of investigation. Account with XXXX XXXX XXXX.
Product: Money transfers

I made XXXX wire transfer requests via USAA online banking, but the requests were rejected because I put in wrong account number. Nonetheless, USAA charged me {$40.00} for the failed wire transfer requests. USAA customer service said because I put the wrong account number, so it would not refund the money. But there was no such warning before I submit the wire transfer requests, and I reasonably believed that I would only be charged only if the wire transfers were successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This third party, off brand reporting company called Lexis Nexis consumer center is in violation of interfering with disputed/investigation of reporting. During the investigation process it was determined removal of sabotaged tampered with accounts due to bankruptcy debt buying and resold debt, this Lexis Nexis company unlawfully and unfairly has the removed accounts resubmitted onto the credit report after they were to be removed. This company has never ever reported to my credit report and will NOT start now. I have become a victim of the worst kind of credit reporting and the company will face charges along with all other agencies involved.
Product: Mortgage

On XX/XX/XXXX we lost everything to a house fire. We barely escaped in the middle of the night and didnt even have on shoes. Our insurance company, XXXX, sent a check to us a Shellpoint/Newrez . We were told to sign it over to them and they would disburse funds to contractors as we rebuilt our home after we submit invoices. Newrez received the check on XX/XX/XXXX. We hired the first company, which was the debris company and submitted the invoice. Funds were dispersed per our agreement and we paid the company. We then hired an architect and submitted the first invoice. They did not pay. We submitted another invoice. They did not pay. We had to pay out of pocket thousands of dollars now. We have been told multiple things by our claims reps at the mortgage company but the check is always coming. Each week they say theyre verifying the pay off from another department within Newrez and will send us the equity to start the rebuild. We still have not been given our money. Per our insurance, we only have 12 months in our rental then we will have to move. Newrez is delaying the process and adding stress to an already stressful situation. We cant rebuild our home without our money. They wont call us and theyve collected interest on our {$500000.00} since XXXX. This is unethical and unfair.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX ( XXXX ), which involved me making deposits for a total amount of XXXX USD from my Hunitngton Bank account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

Despite several attempts to resolve this matter, the incorrect information remains on my credit report, causing significant damage to my XXXX XXXX and financial standing. 

On XX/XX/XXXX and XX/XX/XXXX, my mortgage account was reported as having late payments. However, these reports are inaccurate. I have reached out to them several times to no avail, yet no action has been taken to correct the errors. 

The Fair Credit Reporting Act ( FCRA ) mandates that information reported to credit bureaus be accurate and complete. The continued reporting of these late payments violates this requirement and is unjustly harming my credit profile. 

I request that [ Bank XXXX ] immediately : Correct the inaccurate late payment entries on my credit report. 
Notify all major credit bureaus ( XXXX, Experian, and XXXX ) of the corrections. 
Confirm in writing that these corrections have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. She received a notification from US Bankcorp office that an account was opened using her information without her consent. She received a letter stating the issue was resolved however a review of her XXXX credit still has the fraudulent inquiry listed which is a violation for FCRA. An official dispute of this inquiry was provided to US Bankcorp XX/XX/2018 however as of this date, no reply or update has been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A credit collection XXXX XXXX XXXX a company that bought a sold account and a 1099-C was filled with XXXX balance and then placed back on my TransUnion account with a new balance that is against the law. I have called and sent letters to remove this inaccurate information. They have refused to remove the inaccurate information. Transunion has a habit of reporting and leaking incorrect information and not updating your account correctly
Product: Money transfers

I applied the wiretransfer by XXXX from US to another proper account in XXXX, but the destination bank refuse to accept the transfer because I did just state my first name ony but not first and second name. 
I was trying to call the wiretransfer of the bank and also the branch I have the account but just long time waiting. I had tried so many times but just waiting on the commuter. 
Now I am traveling in another country so I can not go to the branch personally. 
The amount is already debt in my origin acc but I cant receive it by the destination bank. 
I need to amend the beneficiarys name or ask to refund the amount to my acc. asap.