23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. 

According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 

XXXX XXXX XXXX I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence.
Product: Mortgage

Veteran 's United has set us up for failure and are only hoping to approve us for a house anyway they can even if it means that our financial security is at risk and that my wifewho is XXXX XXXX in XXXX XXXX not have anywhere to live on-post when she transfers to XXXX XXXX as they have essentially bullied us into revoking all of her living accommodations so that we could " qualify '' and use her Basic Allowance for Housing ( BAH ) as added income to pay for a house that we are attempting to close on. 

Veteran 's United pre-approved us for a {$650000.00} loan but the home we are trying to buy is for {$580000.00}, which Veterans United has continued to postpone our closing date and string us along while my wife has less and less options for where she will live when she transfers from XXXX XXXX, XXXX XXXX, to XXXX XXXX, North Carolina. 

Why did Veteran 's United " pre-approve '' us for a {$650000.00} loan when their underwriters will not provide us with a loan of {$580000.00}? 

We have paid a multitude of funds which I will not see again, and I am even more worried about our Earnest Money Deposit of {$6000.00} that the seller 's agent is threatening to take if everything falls through. 

Below are the funds that we have spent for Veteran 's United : -Appraisal : {$520.00} ( on XX/XX/2021 XXXX XXXXEarnest Money Deposit {$6000.00} : ( on XX/XX/2021 ) -Expedited shipping for Power of Attorney : {$130.00} ( XX/XX/2021, and XX/XX/2021 XXXX Both our lender and realtor failed to notify us that my wife would not be able to sign closing papers and waited until last minute for my wife to notarize a document and expedited shipment from XXXX XXXX to XXXX XXXX MD XXXX Our realtor provided the wrong form which caused XXXX to have to resend a second POA form, resulting in more expenses. 

I have documentation of us explaining how frustrating the underwriting process is and how we felt bullied into complying more and more with Veteran 's United wishes of forgoing any sort of housing option for my wife in XXXX XXXX in order for our BAH to help cover expenses for the mortgage of this house. My wife was going to live in an on-post house that her BAH would have paid for but canceled this in order to reserve BAH for our mortgage. My wife was then informed by the XXXX XXXX XXXX in XXXX XXXX that the Barracks are 100 % FULL and that it is reserved for UNMARRIED SOLDIERS. 

Veteran 's United had manipulated and bullied us into exhausting all my wife 's options for housing on-post and now she will most likely have to use her BAH and monthly income to get housing off-post. This now ensures that our loan will not be approved, leading to all the finances and expenses I listed above to be taken from us. 

If our loan is not approved, we will lose {$6600.00}. 

At every turn we conveyed our concerns to our lenders regarding being able to pay and be approved for the loan, but they continued to ignore our statements and solely focus on approving us for this loan in any way they deemed fit. Now we have no BAH to assist in paying for this loan, resulting in us losing house and losing the money we invested.
Product: Checking or savings account

My account was hacked and over {$4000.00} was taken from my account. None of these transactions were authorized by me. I tried to get the problem resolved but the bank ( Navy federal credit union ) didnt replace any of my funds.
Product: Debt collection

I have a mortgage with Mr. Cooper, acct. # XXXX. I had auto payments set up through XXXX XXXX for $ XXXX/mo. I received a statement last month showing that I was short {$240.00} with no explanation and my {$3500.00} was unapplied. I called a few days ago to inquire why the monthly payment was increased and was told that the loan had just adjusted to 5.25 %. I had never received notice of the increase and the person I talked to said it was sent to an address I had not used for 4 years although I have been getting monthly statements to my current address for almost a year. She emailed the rate/payment change notice and I have paid the new payment for XXXX as well as the XXXX shortfall. I found out during a loan application that Mr. Cooper had already reported a delinquency to the credit bureaus several weeks ago which caused me to get turned down by a lender who had approved a loan 1 % lower prior to this report and I wound up having to go with another lender at a higher rate. 
My complaint is that I had no knowledge of the rate increase since notice was mailed only to an old address ( presumably returned to the sender ). I did not receive any notification by phone or mail but instead reported to the credit bureau which has cost me about {$7000.00} a year on the new loan. 
Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

why cant transunion and XXXX do like XXXX  and delete all aconts but 3 that are valid thats all im asking i filed ftc report and police report and gave a coppy of both to thembut they keep ignoring laws they need to follow like providibg me with proof i signed for that and proof they offered me firm credit neither of which companys did and they keep telling me they did but yet offer no proof
Product: Credit reporting or other personal consumer reports

LexisNexis is reporting an alleged bankruptcy. I would like the verification of this alleged bankruptcy. LexisNexis does not have my written consent to report any such information and this is a violation of my right to privacy. LexisNexis must stop report this such information immediately or I will sue.
Product: Credit reporting or other personal consumer reports

Dear XXXX & LexisNexis, I have received the latest request to send both proof of identity and proof of residence to be able to verify me and my phone number. I have had past cases with XXXX XXXX for reasons of them being unable to reach me at XXXX for " security reasons ''. It has been several months and to do this date the XXXX client " XXXX XXXX '' account is still restricted and my funds of {$25000.00} has not been released. 

TO update, I have mailed the documentation needed for LexisNexis to authenticate Please update me when my number is updated in the system Sincerly, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax is reporting the same account twice with XXXX different opening dates. I requested these accounts to be deleted but Equifax failed to respond. 



XXXX XXXX Account : XXXX
Product: Bank account or service

I had a PayPal account. It was linked to a Bill-Me-Later credit account. I eventually was unable to pay the Bill-Me-Later balance, so the account went into collections. I paid a small settlement and the remainder was reported to the IRS as a forgiveness of debt. This was a couple of years ago. Now I have decided to close my PayPal account and they are refusing to close it because of the charge-off they have recorded with Bill-Me-Later. I do n't care if they keep a record of the Bill-Me-Later account, but I want my PayPal account closed completely. They have said they can block all access to the account, but that they can not close it. I 'm sorry, but that 's unacceptable. I want nothing to do with PayPal. Again, I understand they need to keep the record of the settlement with PayPal Credit, but these are XXXX separate entities, one providing online financial transactions and the other providing credit services. They should be able to be unlinked for the purposes of closing a PayPal account. 
I have been trying for over a month just to close my account. I have spoken with numerous people in PayPal and PayPal Credit over this time, spending hours on hold, hours explaining repeatedly what the problem is, speaking with supervisors and so-called executive escalation representatives, lied to that someone would call back, and getting stonewalled every time. Once a representative even flat-out lied to me and said he had successfully closed my account, which was n't true.
Product: Debt collection

I have a collection account from a VANCE & HUFFMAN LLC that I have no knowledge of I tried contacting them in 2019 about this issue and told them I was a victim of identity theft and they told me they were going to delete this off my file and have not done it yet. I need this off my credit file because its NOT my account, I have no knowledge of this account. This account was opened without my knowledge.
Product: Credit reporting or other personal consumer reports

I recently submitted a request to XXXX to Investigate and remove the account SELF / LEAD XXXX XXXX is refusing to actually investigate the account and remove it. I have sent countless request and each request XXXX  updates the account in their system. 
The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy.

Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. 
I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report. 
Best regards, XXXX XXXX
Product: Credit card or prepaid card

I received a promotional offer by email on X/X/2017 for opening a Citibank XXXX XXXX credit card. Promotion indicated I would receive XXXX miles in my XXXX XXXX account if I spent {$2000.00} in the first 3 months. I met the spending requirements but never received the XXXX pts in my XXXX XXXX account. After numerous phone calls to both XXXX XXXX & Citibank, I was informed I did n't meet eligibility requirements due to some technical details in the fine print. Apparently Citi has a method for determining eligibility. This should be factored in before sending the promotional offer ... and certainly again when the application was submitted before the card was issued. I never received notice I did n't meet requirements until I inquired 6 months after the credit card was issued. I find the practice extremely deceptive. After lack of resolution, I cancelled by Citibank credit card and will not conduct business with Citi unless this is remedied.
Product: Debt collection

I was not contacted by XXXX XXXX XXXX (would have disputed claim) prior to NCS collection call to me XX/XX/XXXX about alleged police incident.I have obtained a copy of XXXX incident report that XXXX XXXX is using to claim liability against me.The police report notes police are unable to prove their allegations and their client ("victim") is unable to identify accused. No charges have been filed against me for this XX/XX/XXXX alleged incident.Additionally, my SSN, not provided by me, was published by police (their attorney has admitted they shouldn't have released my SSN).
Product: Credit reporting or other personal consumer reports

I am formally disputing the accuracy of an account reported on my credit file. The account in question is listed under the name XXXX XXXX with the following discrepancies : XXXX. Inconsistent Reporting : This account is only reported under XXXX but does not appear on my XXXX or Experian reports. This inconsistency violates the Fair Credit Reporting Act ( FCRA ), which requires accuracy and completeness in reporting.

2. Inaccurate Charge-Off Information : The account balance is listed as {$0.00}, yet the account is still marked as a charge-off. This contradiction suggests outdated or inaccurate information.

3. Reporting Errors in Payment History : The payment history reflects delinquencies ( 30 and 60 days late ) in 2020 without clear supporting evidence or proper updates.

FCRA Violations The reporting of this account violates the following sections of the FCRA : 1. Section 605 ( 15 U.S.C. 1681c ) : Inaccurate or Obsolete Information Credit reports must accurately reflect account information. Reporting inconsistencies ( such as an account being reported only to one bureau and not others, or inaccurate charge-off details ) may violate this section.

2. Section 607 ( 15 U.S.C. 1681e ) : Accuracy of Credit Reporting Credit bureaus must ensure maximum possible accuracy of information in consumer reports. If the account is reported inaccurately to XXXX and not at all to XXXX or Experian, this violates the requirement of consistent and accurate reporting.

3. Section 611 ( 15 U.S.C. 1681i ) : Right to Dispute Inaccurate Information If disputed, credit bureaus are required to investigate and correct or delete any inaccuracies within 30 days. Failure to do so violates this section.

4. Section 623 ( 15 U.S.C. 1681s-2 ) : Furnisher Responsibilities Creditors or furnishers of information must provide accurate and complete information to the credit bureaus. If this account has been reported inconsistently or inaccurately, the creditor has failed its responsibilities under this section.
Product: Credit reporting or other personal consumer reports

This is a second attempt complaint : Subject : Dispute of Debt and Request to Cease Communication Dear Sir/Madam, I am writing to dispute the validity of the debt referenced in your letter dated XX/XX/2023. I was on a XXXX tour in XXXX, XXXX. According to your communication, I am purportedly indebted to Central Portfolio Control , Inc. in the amount of {$2200.00}. However, I have no knowledge of this debt and do not have any outstanding obligations related to the matter mentioned. In accordance with the Fair Debt CollecLon Practices Act ( FDCPA ), I am requesting that you provide me with detailed information about the alleged debt, including the name of the original creditor, the account number, and a detailed breakdown of the charges. 
Additionally, please provide any documentation you have to support the validity of this debt. I am also exercising my right under the FDCPA to request that you cease all communications with me regarding this matter. Please take note that any further communication from Central Portfolio Control , Inc. in relation to this alleged debt will be considered a violation of the FDCPA, and I will not hesitate to pursue legal remedies available to me. Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I would like for Experian to provide a thorough investigation into my credit report disputes. Per their current lawsuit, my past inquiries were not investigated and they have violated my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

This is now my second complaint against Halsted Financial Services. Four days ago I submitted a complaint ( XXXX-XXXX ) for repeated phone calls, despite my many requests for the calls to stop. Halsted responded to this complaint two days ago and said they did not have any information on me and verified my number has been removed. Unfortunately, the calls continue. When asking who the caller was from, some told me they worked for Halsted and others were hesitant to disclose their company name and just said " a financial institution. '' I have asked repeated times for them to stop calling. I assume they're a debt collector, however all of my accounts are current. All of these calls have a caller ID starting with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying Self Finance that there is inaccurate information that they are furnishing on my consumer report. My utilization for my credit report is a transaction and an experience thats being furnished onto my report which is not supposed to be on there. Please see letter attachment for full complete letter.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am writing to dispute the following item on my credit report : Account Number : XXXX Creditor : XXXX Balance : {$700.00} I sent a debt validation letter to XXXX on XX/XX/year> via certified mail ( XXXX ). In this letter, I requested proof of the debt they claim I owe. As of today, XX/XX/year>, I have not received a response. 

The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to validate debts when requested. Since XXXX has failed to do so, I am requesting that this item be removed from my credit report immediately.
Product: Checking or savings account

I have submitted two claims one for XXXX and one for XXXX. My bank is holding the charges. I have talk to the the company and they have investigated the funds that are missing and they do not have it. Bank of America has given me multiple dates on when i will get my funds. They have not issued a temporary credit.
Product: Student loan

I think the private loans from Navient need to be forgiven. XXXX XXXX is no longer a school and I have an Outrageous amount of student loan debt. I was lied to. I was promised job placement after I graduated and had no help. I am not using the degree I am paying for. I had to have a co signer while attending school on a loan or I couldn't continue so I got someone he signed for 1 loan and ended up with several in his name. I also got married before I graduated and the financial aide personal didn't want to change any paperwork. This school was shady and the loan company was. The school was not accredited and I am unable to further my education. I pretty much have to start all over again. 

My email address is XXXX.
Product: Mortgage

This is against WELLS FARGO for allowing a XXXX party to sign for the primary holder XXXX XXXX XXXX, the bank told me in XXXX he walked into back and paid loan in full personal casheirs check. XXXX has absolutely no knowledge of this nor was present. 
As stated in the past my father has been a victim of many kinds of theft, theft of property mostly while being harassed for the last 42 years plus as well his mother and father before that. New developments have come to light that XXXX Mortgage services has been involved with XXXX XXXX XXXX in the matters before the Supreme Court Washington State involving XXXX Original Orient District Free Hold, whereas the Counties and the Lawyer 's as well as the Courts, Banks and Document Holding Companies are allowing this to happen based on lies and deceit of fraudulent XXXX as Documentation to induce Forefieture by way of XXXX and XXXX XXXX et. seq. illegally, XXXX XXXX ; XXXX is the Victim and has paid for all these properties several times being tricked by title company XXXX XXXX XXXX and also others listed above in thinking he was in debt so far never to recover and only way was to sell then refinance as to asset was already paid in full and use equity in favor of other parties committing fraud against the consumer and creating fraudulent documents in pairs or triple document sets only altering and only giving partial disclosure to all involved, Now the XXXX XXXX XXXX has said XXXX is the Insured yet no one allowing coverage to the insured customer and without access to the property because of thugs and harassment, i.e XXXX XXXX assaulted by many at store in XXXX someone unplugs phone during call to XXXX and Officers tell XXXX XXXX and son to stay off property they own because of fraudulant paperwork a lawyer did, still to this day after filing a law suit no help, courts have administratively stayed this matter but never mandated to lower courts because of dishonest Lawyers and Title Companies. 
Also Title company XXXX states XXXX sold these properties but they were refinanced XXXX/XXXX then sold without XXXX XXXX and XXXX had complained as much as anyone could legally about fraud to bank and others involved. XXXX has been Maker since XXXX according to developments forwarded to CFPB and being The Insured even to the Original Purchase of XXXX funny Dad and us did n't buy the property till XXXX and payed out the ear after gifted to my dad from my step mother XXXX XXXX? This is the tricks these companies pull with judges, lawyers, clerks, and congressmen and weman, i.e XXXX XXXX is allowing this to happen he has been contacted numerous times and ignored also said it 's OK to HIT AND RUN with a Suspended License and Assault with a Vehicle a XXXX man if you or your parents work for XXXX XXXX XXXX will help otherwise DIE & XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : 1.Employer : My current employer is XXXX XXXX XXXXXXXX XXXX but it is listed incorrectly on my credit report as XXXX. I request that employer be updated to reflect the correct information. 
2.Address : My current residential address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX but my credit report shows an outdated address as XXXX ) XXXX TANGERXXXX XXXX XXXX XXXX XXXXXXXX XXXX I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address and current Employer.
Product: Debt collection

ON THE XX/XX/2019 AMERICAN EXPRESS ONCE AGAIN CUNDUCTED WHAT IS KNOWN AS A BLOCK PARTY CALLING RELITIVES NIEGHBORS AND WHO ELSE KNOWS. MR XXXX XXXX EVEN TOLD ONE THAT HE WAS GOING TO CALL PAST EMPLOYERS AND TELL THEM IM A DEAD BEAT. I HAVE PERSONALY INFORMED HIM NOT TO CONTACT THIRD PARTY PERSON ( S )  RELATED TO ME NOR MY ACCOUNT. 
I HEARBY DEMAND THAT YOU CEASE AND DISIST ALL FUTURE CALLS AND TO UPDATE YOUR FILES TO INDICATE SUCH. BEING THAT YOUR EMPLOYEE HAS USED TATICS AND THREATS I REQUEST YOU CEASE AND DESIST UPON RECIEPT OF THIS NOTICE. 
I REQUEST THE COMPANY GIVE ME 30 DAYS TO CONSULT WITH AN ATTORNEY FOR LEGAL ADVISE INTO THIS MATTER BEFORE THEY MAY CONTACT ME VIA MAIL OR THE NUMBER THEY HAVE FOR ME ON FILE.
Product: Credit reporting or other personal consumer reports

I have a few accounts that show in collections and some that show past due, this week my credit score went down because it was showing that I was 60 days past due on an account that has been paid off. 
One of the accounts that is in collections and has been paid off is for XXXX XXXX XXXX collect, for the amount of {$450.00}, payment was made on XX/XX/year> - confirmation number # XXXX Another account is First Credit services, for the amount of {$170.00} this account also has been paid off. - Account was paid around XX/XX/XXXX These XXXX accounts have been removed from XXXX and XXXX, and I am not sure why they are still showing with TransUnion.