23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

account # XXXX It's been well over 60 days with no lawful validation of the alleged debt and no lawful response to the PRIVATE CONSUMER DEMAND AFFIDAVIT LETTER ... meaning you tacitly agree to the demands and invoices send via certified mail # XXXX and # XXXX, as well as no thorough response to the consumer complaint # XXXX on all points within the affidavits i sent, thus putting you in default and now the CFPB will aid me in collecting damages. Any further unsigned, un-notarized, false and deceptive letters you sent will incur a fine of minimum {$1000.00} per page for violating multiple Federal laws. 

Also, responding to my previous affidavits point for point via notarized affidavits of truth would be beautiful. By the way, please feel free to take me to court because I am sure the judge also would love to see your proof in accordance to FDCPA and TILA. Im sure the judge would like to see your proof of why you are breaking Federal postal law by writing to me using a fraudulent and fictitious name that is not mine. I noticed all your fraudulent statements that have Document identification numbers had an all caps name on them ... That is not my name, as my name is written in an upper-and-lower-case grammar style. Please answer, Why are you referring to me in all capital letters? See Exhibit C and D. 

15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice. 

Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities. 
respond to all attached documents and affidavits
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency called Experian suggested in their letter to me dated XX/XX/2018 ( report # XXXX ) that I write to you about their decision to materially lower my credit rating. 
Their decision was based on me missing a $ XXXX monthly lease payment on a car I had just acquired. That was a simple mistake due to the car dealership erroneously informing me that my monthly payment had been paid with the initial deposit that I made on the car. As soon as I was informed that this was not the case, I paid the outstanding {$79.00} to keep my account with XXXX XXXX up to date. Nonetheless, Experian decided to maintain their downgrade of my credit rating. 
This behavior by Experian is non-sensical and wrong. I hope that you will use your enforcement authority prevent such behavior from penalizing consumers in the future and restrict Experian from acting in this way. 
Please do not hesitate to contact me should you have any further questions or comments in this regard.
Product: Credit card or prepaid card

I received a letter from Bank Of America " we've made the decision to close your credit card '' because of a returned payment and utilization of my credit is high. Conditional XXXX of your claim. This is an attempt to validate a debt against Bank of America. This response is not a refusal to pay, this response is my conditional acceptance to Bank of America on the conditions being met as required by XXXX. Intentional Misrepresentation and Breach of Contract. Please provide a true bill of XXXX or reopen ALL my credit card accounts within 24 hours. Reopen my credit card account and increase my credit limit for each credit card.
Product: Mortgage

I applied for XXXX XXXX XXXX XXXX. Shellpoint/Newrez , my current servicer reached out to the program to tell them I did have a previous deferment with my prior lender. Unfortunately, Shellpoint/Newrez did not have documentation related to my prior deferments from XXXX XXXX that specifically spelled out what the deferment was related to. Shellpoint/Newrez only had documentation I had provided to them. This is unacceptable because they are required to maintain accurate records related to my loan. I gave them evidence that I had an approved deferment. That I had signed a docuscan ect. My paperwork cant explicitly state COVID-19 because that violates my rights to privacy, but the reason for deferment uses Covid-19 as an example. However, Shellpoint/Newrez should have had that documentation from Figure lending. As a result of Shellpoint/Newrez not having the documentation on file to relay to XXXX XXXX XXXX XXXX , Shellpoin/Newrezt gave inaccurate information to California Mortgage Assistance program . Shellpoint /Newrez told the program that it did not have records or information that stated my deferment was Covid-19 related. I was denied mortgage relief and tax relief. My application was closed and they are not accepting new applications. Shellpoint/Newrez is responsible for this situation. I demand that they amend the inaccurate information relayed to XXXX XXXX XXXX  XXXX. However, this is not possible because the program is closed to new applicants due to low funding. Shellpoint/Newrez must provide me mortgage and tax relief as the program would have. I am not discussing any other options than RELIEF.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I have filed a complaint. The company is not resolving the issue. 
The complaint is- the company is not providing complete credit history on the reports they are sending. I got two letters to prove it. And a third letter saying they don't understand my complaint. What? 

TransUnion - pay attention. Once again, here is the complaint Other credit companies such as XXXX have added an option that lets you add items such as credit card history and other payments that give a complete picture of a customer 's credit. I asked TransUnion why they aren't doing it. I did not get an answer. 

Please note that I called you as well. And submitted the feedback email you sent to me, which included the complaint and why. You never got back to me. 

Complaint has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has not concluded an investigation and it has been well over 30 days. Thye continue to leave incorrect and unverified information on my credit report. They also have addresses on my report that I never lived at. Please do something about this!
Product: Credit reporting or other personal consumer reports

XXXX is inaccurately reporting that my account is XXXX  days pass due on my credit report. According to the Fair Credit Reporting Act ( FCRA ), any report that includes information solely related to transactions or experiences between the consumer and the reporting entity should be excluded from a credit report. Since this information is currently included in my report, it constitutes an inaccuracy. 

Furthermore, the FCRA specifies that any entity providing information to a credit reporting agency is required to ensure that the information is complete and accurate. If they find that the information they provided is not complete or accurate, they must promptly notify the credit reporting agency of this determination. They are also obligated to provide any necessary corrections or additional information to make the report accurate. Continuing to furnish incomplete or inaccurate information would be considered willful non-compliance, which is punishable by law.
Product: Debt collection

I am writing to formally dispute an account listed on my credit report under the collection account ( XXXX ). According to my records, this account does not accurately reflect the details of the debt and may be reported in error. I am requesting that you investigate this account, as I believe it is not valid or otherwise inaccurate. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of this debt, and I kindly ask that you provide : The name of the original creditor. 
A copy of the original signed agreement or contract for the debt. 
Evidence that this debt belongs to me. 
A breakdown of any balances, charges, or fees included in the collection amount. 
If you are unable to verify this account or provide the requested documentation, I ask that it be removed from my credit report. 

Please send me written confirmation of your investigation findings, and if this account is found to be inaccurate or unverifiable, kindly ensure its removal from my credit report. 

Thank you for your prompt attention to this matter.
Product: Student loan

I borrowed money starting 15 or more years ago to attend the XXXX College of XXXX XXXX and transferred to XXXX College to pursue a XXXX XXXX. I became unemployed in XX/XX/XXXX resumed the effort to finish my XXXX XXXX and that is when I borrowed the funds to finish the degree. I was XXXX years old and unemployed and felt this was my best opportunity to keep myself employed and able to pay my bills. I graduated in XX/XX/XXXX but remained working temporary jobs and or permanent jobs as an XXXX XXXX and also experienced layoffs and down sizing making it very difficult to pay the student loan bills. I was offered deferments and forbearances that only increased the loan debt to an incredibly high loan amount that I find impossible to pay. I was never offered an affordable payment until the loan balance more than tripled and now Navient is saying I have to pay 10 % of my earnings. At age XXXX this has caused a financial burden, reputational harm and much stress and XXXX of how this is going to affect the rest of my life. I in good faith went to school with the promise and chance for a better opportunities for employment and not rely on state aid. I was never offered an income based payment option and have attached my social security wages from my entire working history to show I really have not had sufficient income to pay these loans. I still live paycheck to paycheck and will never get this debt paid in my lifetime. I believe this to be predatory lending, unfair lending practice and this loan structure has caused intentional harm to my livelihood and any future financial security. I need assistance in having this loan reduced to the original loan amount and credit for the years I have tried to pay this off. This financial burden has been nothing but a nightmare. I went to school part time for over 13 years while working full time part time and many times two jobs and keeping up with class work. The financial aid at the school processed all the paperwork with the FAFSA form and each year even the bill for the minimum of six credits was several thousand dollars. I need assistance with this as I am overwhelmed with high payments and financial consequences for the rest of my life. I have attached what I paid last year which is about {$2000.00} and yet these loans are not in good standing and adversely affect my credit score once again. All of my credit is in good standing except this and I need assistance in getting this loan amount to one that is within the original amount and therefore affordable. I need help as these are not affordable on my week to week paycheck. Please provide me with some assistance.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX, nor did I provide written consent for my credit report to be accessed.
Product: Credit card or prepaid card

hello I have an account with card.com which my brother had his unemployment directly deposited into my account. for the past three weeks there has been a hold on my card as they refuse to release his money requesting I send them documents such as proof of identity, proof of XXXX employment such as tax forms and a notorized letter of authorization to release the funds to my account. I have sent then all there requested documents over and over again. Everytime I call them they lie and say there is know upper management department they can transfer me to. Only one time I called they transfered me to a XXXX  XXXX  from the upper department which was a lie as she was the same exact person I have spkke to everything I have called in. this lady lies and tries to change her voice the reason I know it the same person because she can't speak very good English to begin with and can not pronounce notarized for three weeks i kept sending in what I thought she was requesting as I thought she was saying letter of authorization but she was trying to say she needed a notorized letter from my brother giving his permission to release the funds to my account which after three weeks we finally made that clear. These people are awful i have requested they send his money back to unemployment so they can deal with it and they refuse they say unemployment needs to send them a request to send them the money back. my brother has an appointment with unemployment in XX/XX/XXXX another 2 weeks out and does not have any other options of reaching unemployment any earlier than that date. At this point card.com has put a hold on his money which has been almost 1 month now and are not by any means working with us to get this problem resolved. They continue to seek my brothers personal information which I have sent them everytjing he has had regarding his XXXX  employment and proof of his identity. My brother due to this has become XXXX  and is a XXXX  to himself and others. He is accusing me of steeling his money thinking that they released it and I just have not gave it to him. The first time I spoke to card.com they stated unemployment requests the recieve further documentation regarding proof of his identity and self employment. I requested they sent me proof of that request which they stated they could not do. Thats because such proof does not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts that are reporting on my credit that do not belong to me. I have contacted each of the creditors by mail on 8 occasions requesting validation and how they assume that I am the person responsible for the debt. Each of the creditors have not provided me with any information that would substantiate the debt belongs to me. I have made numerous calls only to be told that the application was submitted by internet and that is the most they could tell me. I have not applied for either of 2 cards ... XXXX and XXXX XXXX. I did however call in a card for 1st progress..never used the card ..returned the card and the company is reporting the card as delinquent. This is affecting my score and I feel lost with no one to assist. Please help. These do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

CLAIM # XXXX letter states it will be removed, it has not been done and my complaint started in XX/XX/2019 and then they said it would be removed from all the credit bureaus and as of today, it is not. then when I have XXXX called them to verify this they run into the problem of they ( XXXX/XXXX ) can not talk to them ( XXXX ) it is just a big run around between credit companies and 3 bureaus. and this is our lives they are playing with. I have been turned down by so many companies because of this and no body does nothing at all about this problem. including this consumer financial. they get paid to take down the notes and pass you along.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried cancelling a credit tracking subscription with Experian multiple times with no success.

I emailed them on XX/XX/2018 requesting they cancel my account. I emailed them after calling them multiple times on that date to cancel my account.

When I called to cancel I was led through automated prompts to cancel. When I finally reached the prompt to select Cancel, I was told by the automated response that I do not have an account with them, which I know I do and for which I am charged {$24.00} each month.

I have wanted to cancel this for months and have had no success in doing so, and I do not know what to do now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in XXXX credit bureaus. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. The 3 credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair the late payments from this account : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2300.00}
Product: Debt collection

I was sent an alert from the credit reporting service that I possess stating that a change had been made on my report. I contacted both my attorney staff and the Consumer Financial Protection Agency and wanted to get the correct amount of money that I owed agreed upon to pay and this collection agency sent an incorrect amount to settle of {$270.00} approximately and I did respond until I receive a comply today with my attorney. The credit reporting from XXXX stated that {$400.00} was due yet not document proving the breakdown of this amount was ever provided upon my request and the attorney 's request. This collections agency Amsher has falsified my correct balance due. Today I actually the Amsher Collections Agency and they hung up on me XXXX times. I was trying to get an account number from them and I mentioned that the previous disrespectful agent hung up on me and then a male hung up on me because he did not give me his name.
Product: Credit reporting or other personal consumer reports

I filed a report with the XXXX XXXX XXXX for this account ( complaint # XXXX ). It was originally a XXXX account which was not mine. The account eventually ended up in collections. I have tried to dispute it, but the collection agency ( XXXX XXXX XXXX ). I have tried to dispute with this agency and all three credit bureaus. XXXX removed it because it could not be verified as my account. Equifax and XXXX have refused to remove this account.
Product: Debt collection

In XX/XX/year>, I requested a debt validation from Resurgent Capital Services under the Fair Debt Collection Practices Act ( FDCPA ) for an account they claim I owe. Specifically, I asked for proof of ownership, a detailed breakdown of the {$1200.00} balance, and a signed agreement showing my obligation to repay. While the company provided some account details and referenced a court judgment, they failed to include the requested documentation, such as proof of legal transfer and an itemized calculation of the balance. Without these documents, the debt is not properly validated, and I do not acknowledge it as owed. 

I seek the companys compliance with my request and, if they can not validate the debt, for them to cease collection efforts and correct the credit report entry.
Product: Credit reporting

Victim of identity theft.Theft purpatraitor destroyed my credit running up a bunch of bogus accounts .reported to credirmt reporting agency and have a difficult time getting items removed that do not belong to me.they also have wrong names there is a XXXX XXXX XXXX And a XXXX XXXX And XXXX XXXX XXXX of these are mine name.XXXX XXXX no middle name or intial.please remove from my account. Thank u
Product: Credit card

I implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significant distress.
Product: Debt collection

Barclay settled debt with me XX/XX/2018, account was converted to a XXXX XXXX owned by XXXX XXXX XXXX XXXX. Since account was previously settled before being converted I owe no debt to XXXX  XXXX, but credit report is showing status as charged off with a balance of {$2100.00}. Even after Barclay Bank put settled on credit report. XXXX XXXX changed status to show that I still owe them debt, and has marked my credit report with more late payments. Further damaging my credit. I have contacted them since XX/XX/2018 but keep on getting the run around of it being taken care of. Instead late payments are showing on my credit report to debt that I have settled with original creditor ( Barclay Bank Delaware ) and credit score has dropped making my credit unworthy of applying for student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have refused to pay the debt on any of these collection accounts and in pursuant to 15 USC 1692 ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. Also, in pursuant to 15 USC 1692 ( g ) only the original creditor can validate a debt and that is me. The companies who have violated these consumer laws are listed below : XXXX XXXX XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX