23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in receipt of notice under the authority of the Fair Debt and Practices Collections Act regarding the alleged XXXX XXXXXXXX account XXXX. Please document and verify and/or validate the debt by complying in good faith with this request for validation and/or verification of the alleged debt. I dispute part of, or all of the alleged debt. 

1. Please furnish a copy of the original promissory note redacting my social security number to prevent identity theft and state under penalty of perjury that your client named above is the holder in due course of the promissory note and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
2. Please produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. 
3. Please identify by name and address all persons, corporations, or any other parties having a security interest in legal proceedings regarding the alleged debt. 
4. Please verify under penalty of perjury, that as a debt collector or service provider, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note. 
7. Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

6. Please provide certified verification from the stated creditor that you are authorized to act for them.
Product: Credit reporting, credit repair services, 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 : XXXX XXXX XXXX XXXX  - Account # XXXX, has violated my rights. 
Account name : XXXX XXXX -Account # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX Account # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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: Mortgage

We have reached out to Freedom Mortgage several times regarding the Private Mortgage Insurance placed on our mortgage loan. Every call has been recorded according to their disclosure with the initiation of our conversation. Our current Loan to Original Value Ratio is 78.8 %. We have had two conversations with their mortgage brokers where we were told that we could send a letter to request the  removal of the PMI, but it really wasn't necessary because it will drop off in " XXXX '', which is in 2 months. So we sent the letter and was told that we have to have another appraisal. This costs {$500.00}. Our thought process is why should we have another appraisal when we have two months left? We can use this money toward our principal. Well after several more conversations : XX/XX/XXXX I spoke with ID # XXXX and was disconnected. I called back and spoke with XXXX @ XXXX on a recorded line. I was told " qualifies for PMI removal scheduled to drop off by self. '' Loan meets 2 requirement. Then he stated we had to be @ 75 %. 
They are not providing a logical reason to us that makes sense for why we are still having to pay PMI. Our original disclosure statement for PMI states that the PMI will automatically terminate when it reaches 78 % .They have this date scheduled. However, even if we reach 78 % prior to this scheduled date, they refuse to drop the PMI without an appraisal, which is not listed in the section discussing automatic termination.Today I called and spoke with XXXX ID # XXXX, she refused to allow me to talk with some in PMI and said that they do not take direct calls. I then was sent to her supervisor, XXXX ID # XXXX and was told that the PMI would not be removed before XX/XX/XXXX without an appraisal. We are not sure of why we had to have PMI in the first place because we put down over thirty thousand dollars when we bought this house. Please help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit report which caused severe distress upon the discovery that my rights were violated by 1STPROGRESS/XXXX on XX/XX/2021 for the amount of {$160.00} 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 I demand that this be removed from my credit report immediately.
Product: Debt collection

I surrendered this vehicle to Jefferson Capital Systems via XXXX  XXXX in XXXX, XXXX. Jefferson Capital Systems failed to send a notice of intent to sell the vehicle until after I had contacted them several times about the account. Each time I was told the company needed a title for the vehicle. When the towing company took possession of the vehicle they were given the physical copy of the XXXX  XXXX by me directly to the driver. After contacting several times, I was issued a notice of intent to sell the vehicle on XX/XX/year> making the expiration date of the document XX/XX/year>. On XX/XX/XXXX, the towing company had already been in possession of the surrendered vehicle for two months. When I inquired on XX/XX/year> for an update, I was again told that the company needed the title. I was informed there was no title for the vehicle with the vehicle. I contacted the towing company on XX/XX/year>. I spoke to the gentleman who picked up my vehicle when I surrendered it. He then explained to me that they did not have the title and it must have gotten lost. He acknowledged receiving it from me in person by hand. Jefferson Capital Systems has made no attempt to move this case along, and I now have no way to prove the vehicle is in possession of the towing company or another subcontracted company used by Jefferson Capital Systems.
Product: Student loan

Was told by rep that XXXX could be an option for loan forgiveness and when I called back for XXXX forms they took it back these folks are loan sharks, will not with you if offer to pay reasonable amount and not a mortgage payment they dont disclose the scam about taking all your expense in total to get fair is really credit bureau pull, this needs to be discolored the is deceptive trade practice
Product: Credit reporting, credit repair services, or other personal consumer reports

Self financial reported that I " missed a payment '' on XX/XX/XXXX. The balance on the account was paid off and the account closed on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I a few problems! First one is that Ive had three wallets stolen over the past ten years and my SS card and copy of my birth certificate was in them every time!! That being said there are some things on my credit report that my name and address are not correct so it was not me and my address is wrong so Im trying to get these problems solved before the problem gets worse!! And do to these problems my credit is not good and Im trying to repair it so I can buy a home! So if you could help me I would appreciate it very much
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditors keep reporting on my credit report once removed by sending the debt to a different collection agency, which is effecting me in regards to having a better credit score.
Product: Debt collection

XX/XX/2012 I was in an ATV accident and went to XXXX XXXX XXXX hospital XXXX in XXXX, XXXX. After returning home almost a year later I was contacted by a collection agency that said I owed money for my medical bills. I have XXXX XXXX XXXX XXXX health insurance. The amount of one of the debts is {$690.00} and the other is {$540.00} and the collection agency said that I owed the money to XXXX which was not part of XXXX XXXX XXXX hospital. Upon finding out this information I called my health insurance agency and had a three way conversation with the collection agency and my health insurance representative, which stated that the bill was " not reported in a timely manor and the contract that XXXX has with the providers states that if the bill is not reported in a timely manor that the patient is not responsible for the bill. '' The collection agency ( commonwealth financial based out of XXXX, XXXX ) stated that they would resolve the situation and then transferred my XXXX XXXX representative to XXXX at which time the XXXX representative stated that the XXXX representative was correct and the debt would be expunged. Since then I have been contacted twice from common wealth financial trying to collect the debt and have went through the process both times again. I have just recently went to get a mortgage loan to find on my credit report that the Common wealth financial is still reporting that I have not paid this debt.
Product: Mortgage

What happen was that I hired a Realtor to sell my home which I 'm upside down in. He explain to me that I could apply for a Short Sale with my mortgage company Wells Fargo Mortgage Co. Well he started the process with the short sale department and gathered all the information requested by Wells Fargo and submitted it on time. An appraisal was done and just as I stated I was under water with my loan. My original loan amount was {$240000.00} and the appraisal value came back {$130000.00} Then Wells Fargo requested bank statements, earning statement, proof of income ( SSI & VA ). Once I provided these documents to Wells Fargo they requested letters of explanation of deposits and withdrawals. I provided them with letters as requested. Now things started to get strange because Wells Fargo began to request documents and letters of explanation that has already been provided. They kept asking me where this money came from or what this deposit was for and so on. Requests started duplicating them self. They kept asking for letters and documents that has already been provide. At this point the case manger replied that she would not continue my case if I did n't provide her with the duplicate request. So I requested to speak with he supervisor. Once on the supervisor she also was very disrespectful and stated that if I did n't submit to her the duplicate request that she would close my Short Sale file as well. Then she hung up one me. This type of conduct was not acceptable and prompted me to make this complaint. Also, my case manger never return calls to my agent for two to three weeks at a time. Gave no explanation on why duplicate documents was being requested or why case would not return calls or emails to my agent. Please see attached file to prove my case and concerns. 
Sincerely, Disgruntle Customer
Product: Debt collection

Pursuant to the Fair Debt Collection Practices Act ( 15 USC 1692g ), I am exercising my right to dispute the validity of the debt.

1. 12 CFR 1006.34 ( b ) ( 5 ) - This regulation requires debt collectors to provide consumers with accurate information regarding the debt, including the amount owed and the identity of the original creditor. I request that you provide clear and accurate information regarding the debt in question. 
2. 12 CFR 1006.34 ( c ) ( 4 ) ( I ) - This regulation prohibits deceptive or misleading representations by debt collectors. I request that you refrain from any deceptive or misleading practices in your attempts to collect this debt.

3. 12 CFR 1006.34 ( d ) - This regulation mandates that debt collectors provide consumers with written notification of their rights under the Fair Debt Collection Practices Act. If you believe I received proper written notification of at least 5 days, then I am requesting that you please provide me with the certified receipt with my name and signature making me aware of this debt by written notification as required by law before it appears on my credit report. 
4. 15 USC 1681-S 2 ( 7 ) ( A ) - This section of the Fair Credit Reporting Act requires that debt collectors provide accurate and complete information to credit reporting agencies. I request that you ensure any information you report to credit bureaus is accurate and complete. 
I expect a response to this dispute within 30 days as required by law. During this time, I request that you cease and desist all collection activities until the validity of the debt has been verified and provided to me in writing. I am revoking all rights of communication via email, text, or call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft i have noticed inquires on my credit reports that i did not do. I filed a police report to file a complaint to report it. I have inquires on my credit reports that wasnt by me. I wrote called, sent certified letters & copies of my police report disputing the inquires. & they still Have not been removed it have been more the 4 months. The following inquires are : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted the paperwork to Lexis Nexis that they requested and I have yet to hear back from them. I need to know the status of a judgment they are reporting that is over the statue of limitations. It was my understanding that they have to follow the same guidelines as the other credit reporting agencies and the statue of them fall within the 7 years for which the judgement was over 7 years.
Product: Vehicle loan or lease

I have a car loan with Wells Fargo Bank to which I make monthly payments from my monthly XXXX payments through the Federal Government XXXX XXXX XXXX XXXX card. 

Their online payment service does not accept the card and I was instructed to call in every month and pay through their customer service department. 

I was making payments via phone for the last several months until this month when I was told by one of their agents that they no longer accept the XXXX XXXX debit card as a form of payment. 

They have refused to make any arrangements or exceptions and expect me now to make physical cash payments at one of their bank locations. 

As I have no bank account, this would entail me making an ATM withdrawal for a fee, having {$300.00} cash in my possession, which I don't feel comfortable carrying around, and the inconvenience of going to their bank every month.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A negative item on the credit report has not been updated, the status is currently " unknown '' although it has been previously resolved. The item is a state issued tax lien which has been paid in full and is no longer outstanding, I would like this item removed if possible.
Product: Debt collection

I received a Student Credit Card XXXX when I had turned XXXX and at that time attended XXXX University in XXXX as a full-time student and working only part-time and XXXX XXXX knew this. I was originally born and raised in XXXX, XXXX. I also attended XXXX XXXX full-time while working only part-time until XX/XX/XXXX when I relocated to Arizona for residency and to continue my college education at XXXX. In the meantime I have only worked part-time jobs barely making minimum wage. XX/XX/XXXX while attending school, I got laid off from my job and became unable to make payments. I had some help from family members but then they got sick and could not help me. I told XXXX XXXX this at the time. Never got a response. To date, I had never received any correspondence from XXXX XXXX other than was I working full-time, how much money I make and did I graduate from college yet. I never received any letter other than the one I received dated XX/XX/XXXX from Gurstel Chargo Attorneys at Law threatening and hurrying to file a judgment against me for {$2300.00}. ( see attached letter ) in which they served to my XXXX yr old grandma on XX/XX/XXXX. I have never been married and I do n't know where they got this false/fake information from other than they have me mixed up with my father. XXXX XXXX has violated by legal rights under the Fair Debt Collections Practice Act ( FDCPA ) as I feel XXXX along with their attorneys Gurstel Chargo of XXXX, XXXX have abused and practice false and deceptive acts against me and I hereby file a complaint against them. I will also be filing a complaint with the Consumer Protection Bureau for violation of my legal rights. Because I was never properly notified by letter, etc. and then this shows up at my address for judgment. XXXX XXXX has also violated my legal rights under the Fair Credit Reporting Act ( FCRA ) and because of lack of communication this is deceptive & abusive practices which has caused me a lot of mental anguish and stress.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries.

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed, to begin with, or are no longer in dispute. 
I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I signed a contract with XXXX dealership XXXX  XXXX XXXX They told me 35 months I was going to pay XXXX a month but I didnt see on the small letters they are charging me 11 % dayly of the unpaid loan Witch is XXXX Made my first payment of XXXX Principal went down only XXXX Then the payoff amount every day keeps going up I didnt know Im paying dayli interest They never told me that
Product: Credit reporting, credit repair services, 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. ( XXXX XXXX XXXX XXXX XXXXXXXX ) has violated my rights.

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of 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 or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Sent a letter of validation to midland credit management XX/XX/year>. Asking for them to send proof that I owed them a debt. And to stop reporting to credit bureaus. They sent me back a statement from the credit card company. They did not stop reporting to the credit bureaus and they also called me about the debt multiple times after the letter was sent. They back dated their letter to XX/XX/year>. I received the letter XXXX with the copy of the credit card statement. Not their ownership of the debt. Mcm account XXXX I would like something showing that I owe midland credit management. And a detailed statement of how they came to the balance I owe them. And proof of ownership by mcm.