23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/2018 I was approved for a mortgage with JGWentworth. 
On XX/XX/XXXX I made an offer on a property and the seller accepted. 
I have paid {$500.00} for home inspection, {$550.00} for appraisal and {$500.00} for deposit. 
On XX/XX/XXXX we were suppose to go to settlement but we didnt. 
I had to sign an extension addendum for XX/XX/XXXX which settlement still didnt happen. I was told I needed to pay down 4 credit cards in order to get approved for the XXXX grant. I then paid {$1000.00} total for the 4 credit cards. Another extension was signed for XX/XX/XXXX which didnt happen because they ( JGWentworth ) told me I had to pay off my car note {$380.00} in order to go to settlement. I then found out that we wasnt going yet again because I was short {$1500.00} I needed to close. A new extension was signed for XX/XX/XXXX and still didnt go to settlement. I spoke to my lender to find out how much exactly did I need. Mr XXXX told me I needed {$6100.00}, he asked how much did I have and I replied {$5500.00}. When then had the seller sign another extension for XX/XX/XXXX. I have the {$6100.00} I need to close and now its another problem. They wouldnt accept the {$3000.00} gift from a friend in order for me to close and the seller had her agent email me a termination of the contract so that she can put her house back on the market. Due to the negligence of JGWentworth I am out of my money. I have done everything asked of me to get this done. Everything I have paid in order to get this property. Its not fair my money was spent on a property that I dont have.
Product: Debt collection

To Whom This May Concern, A copy of the original contract or original purchase agreement that created the alleged debt If the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders.

In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership. Proof of chain ownership must be from the original creditor to the current alleged owner without any break in the chain.

Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status.

If any interest or fees have accrued to been added on the balance, please send proof that such proof that such fees are lawful and agreed upon in the original purchase agreement.

Proof that you are legally allowed to collect on alleged debts in the state of Florida, including your third-Party Debt Collection Bond.

Also send proof that you sent the legally required notices to me before reporting to alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking you firm maintains. FTC v XXXX XXXX XXXX makes clear that it debt parking without proper notices is a violation of consumer rights
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate deletion of the account referenced below from my credit report due to violations of the Fair Credit Reporting Act ( FCRA ) : This is my second attempt which you have ignored my first request sent on XX/XX/year>. I sent a request stating that there are inaccuracies and I wanted those addressed. 
I am formally notify you of several serious issues regarding my account, specifically your failure to provide the required Form 1099-C, as well as violations of both tax regulations and the Fair Credit Reporting Act ( FCRA ). 
- **Account Name : [ XXXX XXXX XXXX ] ** - **Account Number : [ XXXX ] ** The basis for this request is that the information you have furnished to the credit reporting agencies is inaccurate and/or unverifiable, and as such, it should not be included in my credit report in accordance with the FCRA. Specifically, the following violations have occurred : 1. **Failure to Provide Accurate Information ( 15 U.S.C . 1681s-2 ( a ) ) ** : The information you reported is inaccurate and has not been corrected despite my previous disputes.

2. **Failure to Reinvestigate Disputed Information ( 15 U.S.C . 1681s-2 ( b ) ) ** : You did not properly reinvestigate the disputed information as required by the FCRA. 
**Failure to Provide Form 1099-C** Under 26 U.S. Code 6050P, you are required to file a Form 1099-C with the Internal Revenue Service ( IRS ) and provide a copy to me when you cancel a debt of {$600.00} or more. Despite the cancellation of my debt, I have not received this form from your company. This failure to comply with IRS regulations constitutes a serious violation and can be considered tax fraud.

**Violation of Tax Regulations** Your failure to issue a Form 1099-C as mandated by 26 U.S. Code 6050P is a violation of federal tax law. This omission prevents me from properly reporting my income to the IRS, which may expose me to potential penalties and interest for underreporting income. Additionally, it constitutes tax fraud under 26 U.S. Code 7206, which addresses fraud and false statements.

**Violation of the Fair Credit Reporting Act ( FCRA ) ** Furthermore, your actions are in violation of the Fair Credit Reporting Act, codified at 15 U.S. Code 1681s- 2. This section requires furnishers of information to provide accurate information to credit reporting agencies and to correct any inaccuracies. Your failure to provide accurate information, including the status of my debt, has caused inaccuracies on my credit report, which negatively affects my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiries on my credit report that I did not authorize. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Debt collection

Received a letter today from Dynamic Recovery Solutions for an outstanding debt that was paid off years ago. I believe this company called family members and were very harassing. They reached out to family members and released personal information.
Product: Credit reporting or other personal consumer reports

i request a security freeze thru XXXX to suppress my personal info in which i received confirmation of the request, however the reporting agencies ex : experian, XXXX XXXX XXXX all stated that the information their reporting is coming from XXXX in which shows inaccurate on all 3credit bureaus.please have them stop reporting inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

This was my fifth time of notifying the XXXX and XXXX that I was a victim of identity theft, and this is another request to block and remove these inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to block and remove any items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this report in my previous letter & I am including it again. Also, I found another unauthorized inquiry in my TransUnion Credit Report, and I know that this inquiry was opened without my permission. Please see below the inquiries that I urgently needed the 3 Bureaus to remove : XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX TRANSUNION : XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Product: Credit reporting or other personal consumer reports

Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit and does not comply with the maximum possible accuracy standard and must be removed due to its failure to maintain reasonable procedures, which is a violation of 15 U.S.Code 1681e ( b ). It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : All accounts are on EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the written-off loan XXXX XXXX XXXX {$770.00} reported on my credit report. I believe this information is inaccurate and request that you investigate and verify the validity of this account. Please provide documentation to support the reported charge-off, including the loan agreement, payment history, and details of any communications regarding the debt. If the information can not be verified, I request that it be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, I had a hard inquiry from Barclays Bank DE as of XX/XX/2023. I contacted the bank by phone and sent a letter by fax on XX/XX/2023 to notify them that I had not applied for or opened any accounts/credit cards at their bank. I told them this was fraud and identity theft. They said an application for a credit card had been submitted but they would remove the application and mark it as fraud. I have not received a letter from them confirming this. They told me I would have to work with the credit bureaus to get the hard inquiry removed from my credit report. I told them that they had to fix this error due to it being fraud. To date, I still have not received a letter from them confirming that the application was removed and that they would provide an update to the credit bureaus.
Product: Checking or savings account

XX/XX/XXXX, I phoned XXXX XXXX to ask where the money from my matured CD was. It matured on XXXX XXXX, XXXX, and should have amounted to over {$100000.00}. They told me that they had mailed it on XX/XX/XXXX : I told them I had not received it, so they said they would reissue it and mail it to me again. 
XX/XX/XXXX, I still had not received the check, so I called again. They told me that it was sent on XXXX XXXX, and then they told me XXXX. ( three different mailing dates! ), so I asked again that they just overnight-mail it to me to resolve the problem, and supervisor " XXXX '' refused to do it, would have to " check into the facts, '' and talked about being " off tomorrow. ''
Product: Credit reporting or other personal consumer reports

As of the end of the XXXX calendar month in the year of XXXX all attempts to gain collection on a debt should cease as it has reached its 6 year from the date of the last payment, by state law any further attempts at collecting should come to an end and also deemed past the statute of limitations for collection in the state of Minnesota, which is six years. The date of the last payment on this account was in XXXX of XXXX before the vulture minded collection company had taken it on the debt. making this debt time-barred. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and remove the inaccurate information from my credit report. Ive adamantly proclaimed for years I was a victim to some sort of fraud and or identity theft and but I was never provided proof by anyone that the debt ever belong to me. The collection agency is Jefferson capital systems of XXXX Minnesota
Product: Credit reporting or other personal consumer reports

I have disputed an account that I no longer owe. I got ta pay to delete letter, but was not removed off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

FOR EQUIFAX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX FOR XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FOR XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have an auto loan with this company that is current. However when my payment is due the bombard my cell phone with automated messages. I 've asked XXXX multiple times to stop this and it continues. I have documented over 50 calls like this. I have told them I do not authorize automated calls as the # they use is my cell phone and I am at work ( XXXX ) when they harass me. Today I started getting text messages as well that my payment is 1 day past due.
Product: Credit reporting 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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXT Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

A multitude of " Inquiries '' are listed on my consumer report that are allegedly the results of consumer credit transactions. 

I did not consent, authorize, and/ or grant permission to XXXX XXXX TRANSUNION XXXX XXXX XXXX or any other Credit Reporting Agency to furnish these inquiries on my consumer report, which constitutes Identity Theft. 

In additoin : Pursuant to 15 USC 1681a ( e ) A consumer report, or portion thereof shall not include specific factual information obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Credit reporting or other personal consumer reports

XXXX, iL and XXXX XXXX addresses on my credit report isn't mine. I didn't live there at all. I want them to be deleted. 



XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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. 

I demand the collections be removed from my account immediately.
Product: Debt collection

CFPB Ordered XXXX XXXX to Refund {$34.00} XXXX for Deceptive Health-Care Credit Card Enrollment. 

I am a victim of XXXX XXXX and I have not been notified by this Company about the settlement that has been enforced by CFPB. I am still getting letters from Attorneys asking me to pay over {$2000.00} to XXXX XXXX for the deceptive services that I received from my Dentist Office. This account goes back to 2002, I have written them and asked to have my balance reviewed and asked to get a lower interest rate and lower payments. They have not given me any consideration. I contacted CFPB and they asked me to put in a complaint on this site. 

Please respond. 
Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late charges only are being reported to my credit. No payments, only late charges. The late charges also should not have been assessed. In good faith, I returned an extension agreement in XXXX2016 that Kia Motor Finance refuses to accept. It was received by mail after it expired. They refused to fax or email it to me so that I could return it in a timely manner. This was also after I had paid a fee for the extension. I do n't know where those funds went. In addition, they were asked to not make dialer calls to my cell, only manual. They changed my cell to a work number after a few months and continued to call me on a dialer. When asked to mark both mine and my husband 's work numbers as do not call, they refused to do his without speaking with him. I should be able to identify a do not call number whether it is mine or my husband 's.
Product: Mortgage

Every single year Seterus tries to create an insurance policy on my property claiming the policy I have in place was not paid. The policy they put into place " on my behalf '' is, of course, a much higher premium. I believe this practice to be fraudulent.
Product: Debt collection

NCB Management is reporting negative information to the credit bureaus for an auto loan that I do not have with them. Ive never signed a contract with NCB Managemnet.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : 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: Credit card

They keep sending me pre-approved spam mail. I have already done a virtual opt out and mailed in a permanent opt out in the past. I called Capital One, they claim to have me on necessary mail only but I am physically holding spam mail from them. They said that it could be spam but this is almost definitely legitimate, spam mail from them.
Product: Debt collection

On XX/XX/2020 I called RDAC to settle this account. I paid the exact settlement amount that was offered to me by XXXX XXXX. I previously disputed this debt with RDAC and the only information I received was that it was verified from the credit bureaus. I never received any notices about this debt as I moved out of state and was never contacted or received any mail. This is single-handedly preventing me from renting a home. I settled this account, and I never received proof that the debt was valid nor was I contacted. This debt should be deleted.
Product: Debt collection

I recently was looking at my credit score and saw a major deduction which was tied to a debt collection company called sequium asset solutions. After calling them I found that an XXXX account using my personal information was opened and an address somewhere in South Carolina was used. I do not have an XXXX  account so I know that this was fraudulent. At this time I have filed a police report, a report with XXXX, all 3 credit beaureas. I have also placed a freeze and an alert on with all 3 credit beaureas.