23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. 

This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. 

Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector * Show me your license numbers and registered agent.

I would like to inform you that in case your agency has reported invalidated account information to any of the 3 main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character If your agency can provide me with the requested documents, I will need minimum 30 days to investigate this information, and during this period of time, all collection activities must be stopped. 

I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when in fact there is no provided proof that it is. 

If your agency/company fails to respond to this debt validation request within a period of 30 days from the date of your receipt, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once. 

I would also like to request, in writing, that no calls should be made by your agency or company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. 

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. 



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

In XX/XX/2020 an derogatory account was reported for the amount of 21. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ). I'm in desperate need of this account being removed.
Product: Credit reporting or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, these accounts have violated my rights. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 an account without my written instructions.
Product: Checking or savings account

My chase bank account was closed on XX/XX/2020 and till this moment Im yet to receive my money in the account {$4500.00}, they said the account was closed due to suspension activities, all my effort to talk to them on phone and in branch as yield nothing, they threatened with FBI investigation I dont know why cause all my money in the account was either from my XXXX account or XXXX  which is from friend family and business. Please I need you to look into this as its taking forever and no one will tell me when Im getting my money back, I XXXX XXXX XXXX XXXX and Im not getting any income all my money was in the said CHASE BANK ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Experian General Counsel sent consumer via email an admonition due to there data breach and cyber security attack ; cause him to suffer from or experiencing now ( Identity theft/fraud ). Consumer met criterion of Experian ADR program provided civil judgment for release of satisfaction ; his Confidential and Personal Information was unlawfully obtain for goods and services by ( XXXX  ) XXXX XXXX XXXX Dept of Social Services ; Department of Social Services ( DSS ) and administrative units of XXXX  Human Resources Administration ( HRA ) and XXXX County Support Collection Unit. There client or applicant XXXX XXXX admonition before XXXX County Criminal Court did impersonate the consumer. As direct result of Experian  Financial Services ; Experian  Holdings ; Experian  Information Systems or Experian  Consumer Services failure to reinvestigate ( 1 ) the erroneous or false reporting of XXXX  account XXXX presented an inaccurate image of my credit worthiness that violated or in violation of Section 1036 ( a ) ( 1 ) of the CFPA prohibits unfair, deceptive or abusive acts or practices 12 U.S.C. 5536 ( a ) ( 1 ( b ). Such misrepresentations as described in above paragraph were false and misleading constitute deceptive acts or practices in violation of section 1031 ( a ) ; 1036 ( a ) ( 1 ) ( b ) of the CFPA 125531 ( a ) 5536 ( a ) ( 1 ( b ) and Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b )  reporting an account more than 7 years. On XXXX XXXX consumer sent certified letter signed by Experian Gen. Counsel XXXX  not contending Debt VALIDATION to date in writing or went unresponsive. As direct result of Experian  Financial Services ; Experian  Holdings ; Experian   Information Systems , Inc ( EIS ) and dba Experian  Consumer Services ( ECS  ) such false reporting of the more than 7 year old ( fraudulent account ) violated or in violation of Section 13 ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 53 ( b ), Standards for Safeguarding   Customer  Information ( Safeguards Rule ), 16 C.F.R. Part 314, pursuant to Sections 501-504 of the Gramm-Leach- Bliley Act ( GLB Act ), 15 U.S.C. 6801- 6804 and 15 U.S.C. 45 ( a ) and Safeguards Rule 16 C.F.R. Part 314 invoking Section 19831985 for injunctive relief, restitution and any other relief appropriate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a letter to XXXX XXXX that I would like to make arrangements to settle the referenced matter. 
I asked them to provide me with a statement of the amount owing as of together with their assurance that they will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. On XX/XX/2020 I was provided with what was owed but not the what I asked for which was the the original instrument of indebtedness in its original form. 
On XX/XX/2020 I sent them a follow up letter where I stated It is apparent that you have overlooked or ignored my request to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form. 
Accordingly, unless I receive your written confirmation that you will accept payment from me in consideration of your delivery to me of the original instrument of indebtedness in its original form within 30 days I will conclude that they are either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled. They never responded. I then sent this to all 3 credit bureaus who all said the debt was " verified ''. They did not do any due diligence. These are being reported incorrectly and should be removed.
Product: Credit reporting or other personal consumer reports

I tried to open an account with XXXX XXXX  last year. Early warning services has an old bank account reporting and preventing me from opening any account. My card was stole and someone tried to use my account. I informed XXXX  XXXX XXXX of this in 2021 when this happened. I have disputed this incorrect information several times. This account needs to be removed
Product: Mortgage

I have been in a loan modification for the previous year and a half. The mortgage company continuously delays my application, continuously stalls, and has elongated the process for over a year and a half. They now decided to deny my modification because of the terms of the loan. They directly put us in this situation! At that point I was requesting a payment plan to repay the mortgage and now theyre telling me that I have to pay {$44000.00} or sell my home. I think this is unacceptable and they should be held accountable! This is directly related to their underwriting practices long delays and stall methods that have put us in this situation!
Product: Checking or savings account

Please reopen this claim Claim number XXXX because I didn't get my service I was scammed I want them to be reopen or reinvestigated or investigate again or make into a new dispute and investigate again or give me a onetime credit for all the amounts because XXXX wont help me recover my money back from it they keeping rejecting my disputes status saying I authorized the payments but I didnt etc.send my issue to a supervisor etc. My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking username XXXX
Product: Mortgage

Company has been unwilling to provide electronic and mailed statements since statement date XX/XX/20. We have asked for this information on 4 occasions : Once by email ( their online form ) - No response. Three times by phone. Our first phone attempt, the  representative said that " You know what to pay - You don't need a statement ''. They have admitted that the statements are not available for us.
Product: Student loan

I have been making payments on these loans since ive been XXXX XXXX. I entered military service XX/XX/XXXX. I was uninformed about scra right until about XX/XX/XXXX. I  called the company, they dropped my rate and back paid for interest to my principal. My loan was sold from XXXX to XXXX XXXX. Now, my rate is back to the max of 6 % ( per SCRA guidelines ) from the 3.2 % it was before. And to add insult to injury. I have paid {$11000.00} on the loan as of this writing. {$6100.00} to principal and {$5200.00} on interest. My outstanding balance on a {$15000.00} loan disbursed in XX/XX/XXXX on a 10 year loan is {$10000.00}. Nothing adds up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under XXXX XXXX XXXX. 

Equifax is govern by XXXX XXXX XXXX. And they violated my rights numerous times. I demand the accounts listed below be removed because ; According to XXXX XXXX XXXX : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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

There is inaccurate information that keeps getting " verified '' by equifax. XXXX XXXX is reporting negatively and its paralyzing me from moving. XXXX has told me they removed this account on XX/XX/XXXX but it still remains. Its removed off of XXXX. They told me 60 days which makes no sense and damages are still occuring. 

I called equifax to mail them the letter of proof from XXXX  but the unprofessional foreign agent would not oblige. I shared with him im a XXXX veteran unable to send this document by mail and he told me thats it tough luck pretty much. 

This is not right! EQUIFAX HIRES THE CHEAPEST PEOPLE WHILE IT AFFECTS MY LIFE I NEED THE FAX NUMBER AND THESE ITEMS DELETED THIS IS AGAINST THE LAW!! 

Difficulty submitting a dispute or getting information about a dispute over the phone
Product: Debt collection

The diversified collection account was removed from my XXXX report and added back with not notice. It has not been removed and is still listed on my XXXX report. This reporting is not accurate and needs to be removed from my XXXX and XXXX reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Product: Mortgage

I received a letter from Bayview Loan Servicing ( " Bayview '' ) dated XXXX XXXX, XXXX, claiming I had contacted them stating in part : " We have received your inquiry regarding the above referenced mortgage loan. Please be assured that your inquiry will be reviewed promptly as it is our goal to provide excellent customer service ... We will provide a complete response on or before the Proposed Resolution Date indicated above. If your inquiry requires additional time to complete then we will notify you by mail. '' See attached XXXX XXXX, XXXX letter from Bayview ( BLS Case NO : XXXX ) Although that XXXX XXXX, XXXX letter had a Proposed Resolution date of XXXX/XXXX/XXXX I have heard nothing further from Bayview. 

On XXXX XXXX, XXXX, I contacted Bayview via fax and XXXX Mail and notified them that I had not contacted them as stated in its XXXX XXXX, XXXX letter. See attached XXXX XXXX, XXXX Letter from XXXX XXXX to Bayview. 
In that XXXX XXXX, XXXX letter I also requested the following information from Bayview stating : " Kindly provide the following : i. ) Can you tell me if this property and loan is in foreclosure ; ii. ) If this loan is in foreclosure, kindly provide if and when Bayview initiated any such foreclosure action ; and iii. ) Pending your answer to the foregoing, please provide any relevant date ( s ) if Bayview has delayed any such foreclosure action or proceeding at any time for any reason. Please note this request is within the scope of error resolution : XXXX ( XXXX ) XXXX, XXXX, XXXX, XXXX, and XXXX. Pursuant to XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX kindly provide your response within the period provided by the statute. '' I understand Bayview had 15 days to provide documentation illustrating that no error has occurred. XXXX XXXX Section XXXX XXXX XXXX ) ( XXXX ). It is beyond the 15 day period and Bayview has neither provided any explanation or documentation as to why it believed I contacted it as illustrated in its XXXX XXXX, XXXX letter, nor has it provided the straight forward information I have requested from it regarding any potential foreclosure proceeding. 

I received another letter from Bayview claiming a response date of XXXX XXXX, XXXX however this letter contained a different BLS Case No : XXXX indicating it was not related to the first letter Bayview sent on XXXX XXXX, XXXX.
Product: Credit card or prepaid card

I received a statement from XXXX Anywhere Visa Business Card by Citi about an overdue payment 3-4 months ago. I immediately went online to pay the overdue bill and when I paid it, the company automatically enrolled me for paperless statements despite the fact that there was a box that had to be checked for them to enroll me for paperless statements and I did not check it. I stopped receiving paper statements and so I did not pay bills to the company for this time. The whole bill for the time I did not pay was for the amount of {$20000.00}. I have already paid {$18000.00} to the company. When I found out that I stopped receiving the paper statements, I paid this amount to the company and called them to ask them to send me my original billing statement which states the specifics of what each payment was made for. As a consumer, I have the right to know what I am paying for. I kept calling the company to ask if I could receive the billing statement, telling them that I would pay them but I need to know what I am paying for. The company still has not sent me my original billing statement. Over the phone the company told me I could see the billing statement information online. However, when I went online, I found out that they blocked my access to my information because of my late payments. They have also charged me an unreasonable amount in late fees and interest that I refuse to pay. The total amount is {$2800.00}. For the past few months they have continued to send me bills telling me my overdue amounts in interest and late fees without sending my original billing statement. I called the company explaining that the amount was unreasonable but they have not done anything to resolve the issue.
Product: Money transfers

Our company XXXX XXXX XXXX XXXX, Receive customer that pay with stolen credit cards. For buy safe vault ( The Customer XXXX XXXX XXXX ( phone XXXX ) Ask for the service of pick up and delivery safe by the company XXXX.contact person XXXX XXXX with phone XXXX for the quantity of {$26000.00}. Banco Popular of Puerto Rico do the wire transfer from our account XXXX to the Bank XXXX XXXX XXXX on XXXX with the account XXXX. The transfer the money Knowing that until XX/XX/XXXX this fraud scheme is occurring in Puerto Rico, with the banks. The send a Letter telling abount that., whatever do the transaction and transfer the money. Now Banco Popular says that is impossible to ask for refund de money, because the do n't have the enough information. But when they do the transfer have the '' enough '' information. Banco Popular fill a complete form, with all the information to do the transfer ( Beneficiary Bank, Beneficiary Name, Account Number, Swift Code, Address ) All the information. If they have identified the Bank and was good this information to send the money, it have to be good to ask for the recovery of money. Banco Popular tell " no '' You need to pay. But we dont withdraw the money, The transfer it. We contact FBI on XXXX XXXX, 2016 and open a complaint with the Agent XXXX XXXX. for do the investigation. We understand that all the transaction on the bank have an inssurance, if it really a fraud.
Product: Mortgage

We recently sold our house on XXXX XXXX and OCWEN is the mortgage servicer. Complete payoff was sent on XXXX XXXX to OCWEN. We had to file a complaint with the CFPB just to force OCWEN to process the payment and show that our loan was paid in full. Now, OCWEN is holding {$340.00} of overpayment in a " suspense '' balance. They have had this money since XXXX XXXX and have paid us an escrow refund but not the suspense money owed to us. They also received a refund of our property taxes of {$600.00} paid on XXXX XXXX. That money has not been returned to us. OCWEN has now had the " suspense '' money for over XXXX month and the property tax refund for at least XXXX weeks. On a payment reconciliation report OCWEN provided to us through another CFPB complaint, dated XXXX XXXX, OCWEN did not even show receipt of the property tax refund. Once again, OCWEN is sitting on money owed to us - effectively stealing our money and earning interest on our money. With today 's technology there is no reason a mortgage cant be paid in full with all suspense moneys and refund monies being paid back within XXXX weeks. Our last complaint through CFPB ended with OCWEN admitting they had a system error. Is this another system error, or another way to earn interest on monies owed to consumers?
Product: Debt collection

I have been threaten with a law suit and I constantly receive calls from Rash Curtis Associates at least 2-3 times a day sometimes 4 and I have asked them not to contact me. 

I did business with an Attorney back in XXXX and he was fully paid. I received a notice from Rash Curtis Associates in XX/XX/XXXX, alleging I still owe the firm that is no longer in practice a debt of {$18000.00}. The notice states the debt was for services rendered on XX/XX/XXXX which is more than 7 years old. I also advised the rep that I paid the debt in full. 

He agreed it was paid in full but told me I was late on my payments to the firm and the balance of {$18000.00} is the interest that has incurred.
Product: Consumer Loan

I asked for a month extension, something I have asked for before. I was told I had to wait 12 months, I called back after the 12 months and got denied. I asked for a supervisor who started arguing with me over what the policy is, I just wanted 1 month extension to get back on my feet financially.
Product: Money transfer, virtual currency, or money service

PNC created changes that do not allow me to link my bank account to online stock trade platforms such as XXXX and XXXX