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

To Whom It XXXX Concern, This letter serves as a formal request for debt validation pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am exercising my right to request comprehensive validation of the alleged debt you claim I owe including the original contract with my wet ink signature. It is a request that your agency verifies the legitimacy of this debt as required by law. 

XXXX. Verification of Permissible Purpose ( FCRA 604 ) ** Under FCRA Section 604 ( a ), your agency is required to demonstrate a permissible purpose for obtaining or reporting information on my credit profile. Provide documented evidence showing your legitimate need and right to access my credit information. Failure to do so constitutes a violation of FCRA regulations.

**2. Verification of Accuracy and Completeness ( FCRA 609 and 611 ) ** Per FCRA Section 609 ( a ) ( 1 ), I request full disclosure of all information, including : - The name of the original creditor and a comprehensive breakdown of the account details.

- Documentation proving the accuracy of any records related to this debt, including the original signed contract or agreement that substantiates the alleged obligation.

Additionally, under FCRA Section 611 ( a ), any information reported to a consumer reporting agency must be accurate and complete. If there are inaccuracies or unverifiable elements, they must be corrected or removed immediately.

**3. Itemized Proof of Debt ( FDCPA 809 ( b ) ) ** As stipulated in FDCPA Section 809 ( b ), I request : - A full breakdown of the debt, including the original amount, interest, fees, and any charges applied.

- Proof that your agency is authorized to collect this debt on behalf of the original creditor or proof of ownership.

- Verification of my alleged obligation to pay the debt.

**Response Requirements** If your agency is unable to provide adequate validation as required under the FCRA and FDCPA within 30 days from receipt of this letter, you must cease all collection activities and ensure that any negative reporting related to this account is removed from my credit report. Continuing to pursue this debt without adequate validation will be regarded as a violation of my rights and could lead to legal action. 

Please provide all documentation via mail to the address listed above. No further contact via phone is permitted until this matter is resolved. I expect all correspondence to be documented in writing for my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items which XXXX, TransUnion and XXXX didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 16810 ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 16811 ( 7 ) Method of verification Description of reinvestigation procedure
Product: Mortgage

The wife and I recently changed accounts so we had to update all of our auto-pay information. Well before the payment was due I updated Lakview Loan ( XXXX ). 
The payment went through but i never saw it leave my account. A few days later, but before the payment was considered late, Lakeview notified me that it was " insufficient funds '' yet plenty of money was in the account. 
I attempted to contact XXXX/Lakeview but it is nearly impossible to get ahold of anyone ( probably by design ). Anyway, got in touch, documented that they said to resubmit the payment so I did. Sure enough, it did not go through again. 
In an effort to avoid penalties or a negative credit impact, i issued a payment directly from my account. 
I was charged a late fee even though i was instructed to re-attempt auto pay which im not surprised about, but today the wife and I checked our credit reports and we were both hit with a 30day late on our mortgage. My score dropped from XXXX to high XXXX 's. 
My main complaint is that XXXXr/Lakeview is almost impossible to get ahold of. When you do finally get ahold of them, it seems as though they are purpousfully vague, and lead you on. 
Also, I am very troubled with the economic incentive they have to drag things out inorder to XXXX late fees. It is economically benifical for them to delay someones active attempts to make a payment. On a larger scale, im sure they have assesed XXXX XXXXs of millions in late fees and corresponding credit hits to scrape in more cash from people that dont deserve it. I have not had 1 late credit payment in over 12 years but lakeview got me through their well designed, unethical well implemented sludge and delays. 
I do have supporting documents but its almost too much to upload as I spent almost 2 months trying to sort this out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has suffered a data breach which has the potential to severely impact me. They were negligent in protecting my data.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request to delete my fraud alerts and extended fraud alerts Transunion # XXXX  # XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting or other personal consumer reports

This account is not my account. At the time of this account being opened I was incarcerated. Someone must have opened an account in my name. This information is reporting on my account and it is not mine. They would not adhere to the law. 

XXXX XXXX XXXX XXXX Account Number:XXXX Amount : {$520.00} I sent a debt validation letter on XX/XX/year>, it has been thirty days. The company has not responded.
Product: Checking or savings account

To Whom It May Concern, I am consistently getting charge a paper statement fee on my business checking account. I worked with TD Bank customer service department to assist in removing these paper statement fees, whereby I keep on experiencing " website '' issues via TD Bank online. Every time I login, I received a message stating that website is under going maintenance issues. It is impossible to sign up for online statements. 

I believe that TD Bank purposely preventing its consumer from signing up for this option. Many of its customers will NOT stay on the phone for a representative ( 30 minutes or longer ). 

Consumer Financial Protection Bureau needs to investigate TD Bank whereby I strongly believe it violates federal consumer laws.
Product: Checking or savings account

I have a business account with Citizens Bank at which I use a credit card XXXX, called XXXX XXXX to accept credit card transactions. XX/XX/XXXX I accepted credit card transactions at my business event, a total of {$160.00} at which I have yet to receive payment for. I called Citizens Bank 3 times and spoke with XXXX, XXXX, and a supervisor by the name of XXXX. XX/XX/XXXX XXXX told me that the funds was being held by the fraud dept but she didn't know why, and was unable to let me speak with someone in the fraud dept because it wasn't her dept. and no one was available at the time. After being on the phone for over an hour XXXX called me back to inform me that they held {$88.00} for a debt that I owed and {$80.00} would be released XX/XX/XXXX. I asked XXXX what debt I owed and why wasn't I informed that I owed, XXXX again said she doesn't know because she is not in the fraud debt. I left a message on the fraud dept voicemail since no one picked up, on XX/XX/XXXX, I asked that someone would call me back. The fraud dept has yet to call me back or respond in ANY form of communication, no letter, no call, no email. I haven't received ANY of the {$160.00} that I worked so hard to get. Please help me to get the {$160.00} back that I worked so hard to get. I would also like this matter to be looked into and STOPPED because not every person has the knowledge of the rights in America or have the time to invest in this matter. I've spent days already trying to get MY money.
Product: Debt collection

I receive a call from XXXX every other day. Requesting me to contact a XXXX XXXX with XXXX associates. The number they ask me to call back is XXXX. I am not sure who this is and which creditor sold my information to them. 

I request that this collection agency to cease communication with me rather it is calls, text, email, or mail. 15 USC 1692c ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, an investigation request letter was sent via certified mail to all credit bureaus to investigate an account to ensure information is complete, accurate and updated. 

All credit bureaus received certified mail no later than XX/XX/2022. 

It has been more than 30 days and as of date, I am not aware of any written responses from the credit bureaus. If account has been investigated and verified, information is still inaccurate and incomplete, as per my latest credit report dated XX/XX/2022. 

Inaccuracies as per my latest credit report are as followed : -Date last verified -Date of last activity -Date reported -Date opened -Last payment -Payment frequency Attached documents include : -Latest credit report dated XX/XX/2022 with inaccuracies highlighted. 
-Investigation request letter with 2 forms of ID.

-Certified mail stubs, front and back.

-Request letter to update personal information, also sent with 2 forms of ID.
Product: Debt collection

On XX/XX/21, I was contacted by XXXX, who did not want to identify the company she represented. After repeated requests and having to talk over her, she finally revealed her company as Apellus, and when I refused to give her my personal information ( because to my knowledge, I have no business with Apellus ), she stated she was ending the call and " it's on you ''. I called back to confirm the company name, as her hastiness and rudeness made it difficult to understand the company name she gave me, and XXXX again did not want to identify her employer without first obtaining my personal information. To date, I have received nothing to identify who this company is or what business they presume to have with me - which also violates my consumer rights and laws governing debt collection practices.
Product: Credit reporting or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g 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 ( XXXX ) they are suppose to modify accounts that isn't reporting correctly. 
15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructons 15 U.S.C 1681c. ( a ) ( XXXX ) 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 tan XXXX years 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 modity accounts tat isnt reporting correcuy. 
15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my ZA instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information XXXX other adverse item of information. other than records of convictions of crimes which antedates the report by more than XXXX vears. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX my home in XXXX XXXX, Florida was damaged by Hurricane Irma and declared a FEMA disaster area. After over 1 year of recovery and {$160000.00} I think my house is repaired. FEMA did not offer any assistance as I had insurance and they referred me to the SBA which was quite helpful. Albeit a 3rd TD on my house at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

XXXX, my loan servicer, offered me a forbearance period pursuant to FNMA guidelines as being in a FEMA declared disaster area from XX/XX/XXXX to XX/XX/XXXX. I was granted a forbearance period for monthly payments until XX/XX/XXXX. 

After XX/XX/XXXX they want a lump sum payment of {$40000.00}. Not what they told me. 

It cost over {$160000.00} to repair my house. 

XXXX managed my repair escrow account during the process. 

They granted me and told me that at the end of the forbearance period my loan would be modified to include the foregone payments and it would be added to the principal balance and modified. 

They have now offered a loan mod. on a 20 year amortization increasing my monthly payment by {$2000.00}. That hurts. They offered counseling. Serious? 

They did not tell me the truth! When I call them they claim the call will be recorded. I have asked for the recorded audio records to prove what I was told. 

They told me the forbearance would not effect my credit. 

My FICO score has dropped from XXXX to XXXX and they report me as 180+ days delinquent. Not what I signed up for! I could not get a car loan with that FICO. 

XXXX XXXX  has reduced my credit limit on my unsecured credit line from {$13000.00} to $ {$3000.00} as they ran my credit and they were not impressed. 

XXXX is not being fair. They respond but not satisfactory. 

All my bills are paid on time. You have my permission to run my credit report. 

This is not RIGHT! 

My credit to me is very important. I complied with everything they told me. 

This is not right! 

Not sure how or if I need to upload the supporting documentation. The last conversation I had with " XXXX '' at XXXX he told me I was delinquent 180+ days and it could not be changed. How can I be delinquent in forbearance? " XXXX '' said they can't fix my FICO. XXXX! 

I made payments at the end of forbearance in XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX. 

I want them to fix my credit report!!! 

I have done all I was told I needed to do. This is not fair. I did not make the Hurricane and complied with all I was told I needed to do to repair my house. What's the point of FEMA, SBA, and FNMA? It's not RIGHT! 

I want my FICO back to XXXX all I have all the back up documentation. XXXX has my correspondents also. Where do I go from here?
Product: Credit reporting or other personal consumer reports

Had a charge off with original debt date of XX/XX/year> Has been on my credit report for XXXX years Debt was sold and now appears as a new delinquency on my credit report thus lowing my score The original charge off was already a factor in my credit score.

The selling of the debt lowered my score when the original charg off was already a factor in my score
Product: Payday loan, title loan, or personal loan

Never had heard of Cashnetusa was in between pay days when it was a death in the family. Had to go out of state to XXXX CA. In the past I had taking out a loan with another company who give me the payoff. I paid it that was that. Well I guess Cashnetusa got the information when I was taking out the first loan. Because they put XXXX in my account. I called them and said take it out of my account which they did no problem, so when I need to get more money I thought about the first company. which found it they just did loan with jewelry companies. So I went on online reach out to Cashnetusa monies So Cashnetusa said the XXXX would be in my account the next day which it was, I never signed anything with them. Each pay period it was different amount of monies. So the end of XXXX I called and said this loan should have been paid off. Was told that I still owed more monies and now I owed XXXX dollars. Which was crazy do to fact I had paid over XXXX. Already now was not sure what to do so I made a few more payments the last one was the end of XXXX. I paid XXXX on a XXXX dollar loan. Now as of XXXX the account is closed. I will not pay them another dime. Cashnetusa are predators.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is are several accounts reporting with the bureaus that are actually past the statue of limitations. They have been disputed several times as well as validation requested directly from the companies. The companies that did respond only sent a generic letter when actual validation as well as a payment history was requested! XXXX, TransUnion and XXXX are still reporting aged, unverifiable information. If the companies won't give me information when requested directly then they aren't giving the bureaus information either and that is because they are old accounts!
Product: Mortgage

last year I tried to pay off the loan ocwen sent my bank an overblown payoff with no proof of the quote.i had previouslyrequested my payment history and it said XXXX they sent a payoff quote of XXXX the original amount I borrowed was XXXX from XXXX back in XXXX there fore I went into a 3rd straight bankruptcy dealing with all these companies. XXXX, XXXX, ahmsi, homeward, ocwen, now phh. I had a complaint against ocwen last year with the cfpb for changing my maturity date and adding on 5 months to my loan and they lied to me and the cfpb saying I was wrong. even though I showed them the proof.well when I filed the bankruptcy to stop the forclosure the maturity date had changed back to the original date. I have that proof. the money never came off. I owed XXXX in principal and interest according to their records.then when they sent in they proof of claim it was now XXXX with no proof I have seen. plus another 8.25 percent interest on the XXXX. I put the house into the bankruptcy to make sure I get credit for it since they never over 15 years gave me credit for my payments. here is what I want from them ; proof on my account what I owe ; dates the money was posted to my account, credit for the extra 5 months they added to my account and what I owe them down to the penny.also my chapter XXXX was dismissed XX/XX/XXXX and XXXX dollars paid to them and that too should be added to my account.
Product: Debt collection

On Thursday, XX/XX/2016 I was contacted via text message by XXXX ( XXXX ) XXXX from Systematic National Collections ( SNC ) claiming to want to help resolve my outstanding debt. However, the texts from her quickly became inappropriate or " in the gutter '' as she put it. Making XXXX and asking what I am wearing. I told her that these texts were supposed to be professional and that I am married.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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'M DONE ASKING NICELY. I'VE SENT YOU NUMER OUS LETTERS INFORMING THERE IS INACCURATE, ERROENOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your numerous investigations and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " DELETE '' THE ACCOUNTS Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit card or prepaid card

I am trying to unsuccessfully activate the XXXX  issued by Money Network XXXX XXXX, XXXX XXXX Connector XXXX, Mail Stop XXXX, XXXX, GA XXXX. I have lost my hearing so calling XXXX was a problem so I tried the XXXX TTY number multiple times and each time it hung up after 1 min and 43 sec. I sent a letter to the above address, but it was returned as undeliverable. I sent an Email to FISERV who owns the Money Network and they said it was not their problem and to contact the above address. I also sent a letter to the Money Network  XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX, but I got no response at all. All I want to do is activate the XXXX # XXXX XXXX XXXX XXXX and transfer the {$1200.00} to my XXXX Checking Account. I created and account on XXXXXXXX, but the Website has no way to activate the card account. I just want the {$1200.00} since I am living on Social Security XXXX due to a XXXX XXXX  so I have no immunity to anything so Covid 19 without hearing is a real problem for me. A actual chek would be fine. Thank you for any help you can provide so i can get my money.  XXXX  and the Money Network is not very good with people with XXXX.