23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

sent a cease and desist dispute letter on XX/XX/29 also disputed the debt on several occasion this debt is over XXXX years old I am writing to formally request the removal of a debt that has been on my credit report for more than XXXX years. According to the Fair Credit Reporting Act ( FCRA ), negative items such as collections, charge-offs, and late payments should be removed from a credit report after XXXX years from the date of the first delinquency. 

As the debt has exceeded the seven-year reporting limit, I kindly ask that you cease reporting this debt to the credit bureaus and remove it from my credit report. Please provide written confirmation once this has been completed. I appreciate your prompt attention to this matter. If you need any further information or documentation, please do not hesitate to contact me. Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ARE THE ACCOUNTS THAT IS ON MY CREDIT REPORT 1.PORTFOLIO RECOV ASSOC AMOUNT XXXX XXXX DATE OPENED XXXX 2.XXXX XXXX  XXXX  AMOUNT XXXX XXXX DATE OPENED XXXX 3.XXXX XXXX   XXXX  AMOUNT : {$2000.00} DATE OPENED XXXX 4.XXXX XXXX XXXX   XXXX XXXX AMOUNT : $ XXXX DATE OPENED XXXX INQUIRES XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX D & A SERVICES , LLC - I HAD SET UP A PAYMENT ARRANGEMENT WITH THEM FOR CREDIT CARD DEBT FOR XXXX  XXXX XXXX, REPRESENTATIVE IS XXXX, HOWEVER I HAVE BEEN EXPERIENCING NON STOP DEBT AND STRESS, ILLNESS ISSUES, I CALLED THEM AND TOLD THEM TO STOP THE PAYMENT UNTIL IM BACK ON MY FEET, XXXX WENT AHEAD AND DEBITED MY ACCOUNT WITHOUT MY CONSENT AND PUT MY ACCOUNT INTO OVERDRAFT, I CALLED HER UPSET ABOUT IT AND SHE SAID NOTHING, THEN SHE THREATENED ME AND SAID I F I DONT PAY IT XXXX  XXXX XXXX WILL SUE, E AND TAKE ME TO COURT, CALLS ARE RECORDED SO WE CAN GET THOSE CALLS
Product: Credit reporting, credit repair services, or other personal consumer reports

I fist requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported in violation of the FCRA and FDCPA early in XXXX. I contacted you again XX/XX/XXXX about THE SAME issue. XX/XX/XXXX your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. You said these accounts were verified as accurate. Per the FCRA all information reported has to be ACCURATE, COMPLETE AND VERIFIABLE. You verified these INACCURACIES AS ACCURATE!!! HOW?!? This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. 

I requested XXXX  XXXX XXXX be removed from my credit file because 1. they are reporting 3 different dates last active ; TU XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. XXXX. They are reporting different last payment dates Transunion reports XX/XX/XXXX and XXXX  XXXX/XXXX. 3. They are reporting different payment activity history. Furthermore, there should be no payment activity being reported after the account is closed, this alone is in violation of the FDCPA. Why would there be payment activity on a charge off account? Are you deliberately trying to punish my score?
Product: Debt collection

XX/XX/2023 RE : XXXX XXXX The above-referenced account has been placed with our office for collection. The total outstanding balance is {$350.00}. In an effort to assist you, XXXX XXXX has authorized us to make the following offer : You may resolve your account for {$280.00}. To accept, please make your payment by XXXX. We are not obligated to renew this offer. 


If you are unable to accept the offer listed above, please contact our office. Other options may be available to you, including a reasonable payment plan for the outstanding balance. 

Sincerely, Williams & Fudge , Inc . 
XXXX XXXX XXXX ( Direct ) XXXX ATTN : XXXX XXXX ( Fax ) This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose.
Product: Debt collection

Security deposit was returned in full and no actions were taken until the property was sold to a new owner. At the time of sale the previous owner decided to fraudulently ask for more money. Collections agency alleges that the debtor owes {$530.00} from a lease that ended on XX/XX/2020. When asked for a statement of charges agency furnished a statement with charges dated after the contract date of XX/XX/2020 ( XXXX ). All charges after XX/XX/2020 were the responsibility of the property owner. Collections agency is requesting a laundry list of items be completed at the expense of the debtor in order to clear the charges.
Product: Debt collection

Pinnacle Credit Services is attempting to collect a debt to which I do not owe. The original creditor is XXXX XXXX and I was recently notified that I was illegally billed by XXXX for services that I did not receive. XXXX was recently sued by the FCC and CFPB concerning their illegal billing practices. The results can be seen here : https : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I was sent a notice for an escrow shortage from Supreme lending ~ {$650.00}. I paid it. They increased my payment ( as though I didn't pay them the shortage ) and pocketed the money I paid leading to an escrow surplus. 

I have contacted them twice and was told they would run an escrow analysis but they haven't. They're still charging my monthly payments as though I haven't paid the shortage. I want the lower payments I'm entitled to and the excess I paid in inflated monthly payments, refunded.
Product: Payday loan, title loan, or personal loan

We ordered windows through window nation sometime early last year. The windows arrived sometime in XXXX months after they were promised to us. We did our financing for 18 months no interest and payments over that time with XXXX XXXX XXXX XXXX out of Florida. XXXX XXXX XXXX was not supposed to pay window nation until all of the work was complete. We still have windows that have not been installed and when XXXX XXXX XXXX asked us whether or not the work was done on 2 separate occasions via email we told them that the blood work was not yet complete and please do not pay when donation they went ahead and paid them anyways now we are still waiting on a window to be installed and repairs to be made yet XXXX XXXX was paid. I have real issue with XXXX XXXX XXXX issuing payment for a job that was not complete especially after we told them on 2 separate occasions that it was not done. Now XXXX XXXX XXXX is coming after me to make sure that my payments are on time when the work is STILL INCOMPLETE!! And surprisingly window nation is not responding to my inquiries.
Product: Credit reporting or other personal consumer reports

Dear XXXX, Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. 
Please be advised that this is my THIRD WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
You have NOT provided me a copy of ANY original documentation required under : Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- You are reporting this late during to COVID19 Pandemic. Please update to never late. 
XXXX XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- Please update to never late! 
XXXX XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- Please update to never late! 
XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- Please delete immediately! 
Incorrect Name - XXXX XXXX - This is wrong and needs to be removed immediately! 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX- This is wrong and needs to be removed immediately! 
Incorrect Address - XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL, XXXX- This is wrong and needs to be removed immediately! 
P.S - Please remove all non-account holding inquiries over 30 days old. 
P.S - Please add a Promotional Suppression to my credit file. 
P.S - Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
With Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I heard a radio commercial and called CreditRepair.com regarding an item on my three credit reports. The person I spoke with at that time seemed sympathetic with my situation and assured me that Credit Repair .com could certainly help. He stated that it may take some time, perhaps three months. I signed up and let them do their thing. Now five months later and after almost {$600.00}, they have not been successful, and in fact have simply sent out form letters every month as " challenges ''. I spoke with them to terminate my subscription and felt like a complete loser that I had given them so much money. Now they say that not only will they not credit me back any of the funds, but they bill in arrears and I have more charges coming. I have no idea how they could bill in arrears when I was billed originally on XX/XX/XXXX, just one week after we first spoke. They have billed every month on the XXXX since then in the amount of {$110.00}. I can't believe I was scammed out of {$600.00}. AND THEY WANT MORE!!
Product: Debt collection

I was contacted by Fair Collections & Outsourcing Inc. on behalf of XXXX XXXX XXXX XXXX XXXX XXXX for {$2200.00}. I do Not owe that amount. I transferred from one unit to another. I requested a Walk through after I vacated the premises and was denied. I sent a check of {$410.00} on XX/XX/2020 to Fair collections & Outsourcing for what I feel I owed. The check was returned on XX/XX/2020 with a letter informing the payment of {$410.00} was unauthorized and or unacceptable. I offered to go to court to allow a judge to make a decision if I owe. I have received notification this was put on my credit report and I want it removed because I do Not owe that amount. I tried to pay what I owe.
Product: Debt or credit management

XXXX XXXX I was contacted by XXXX XXXX about consolidating my credit cards into one monthly payment with lower interest. 

At that time all of my credit cards were paid on time monthly and my credit score was about XXXX 

They ran some number and told me I was not qualified for a loan... 

They offered me to set up a monthly payment with them and they would negotiate final number with the creditors for less than I owe and make payment to them in one monthly charge of {$640.00} for about $ XXXX consolidated debt for the next 48 month. 

They sent a notary public person to my place of work to sign the agreement. 
Next couple of day an attorney from their law firm called me to introduced herself and provided me with her contact information. 

I was provided with the app to see the progress and upload all new statement from the creditors. I was also told to stop making any payments to the creditors. Again at that time I was on time with my payments and had excellent credit score. 

I was told to ignore any call from the creditors because they had everything under control. 

XXXX XXXX I kept checking the app and no progress was made with the creditors. I started calling XXXX customer service but was on a hold for hours, no response. I tried next day and the day after. No response. Then I tried to get in touch with the attorney XXXX XXXX. Of course she did not pick up the phone but texted me saying that " our vendor Strategic Financial Solution has been shut down, preventing our clients and us accessing accounts. That's the all information I have ''. I was shocked and terrified at the same time. 

I kept asking her questions and was trying to explain how they are totally ruined my financial situation but no answer form her or the firm. 

I immediately called my bank and stopped any future payments going out. 

All of my credit cards ( not just ones that were enrolled with them ) got closed. I went from $ XXXX in credit line that I was building over 13 years to {$0.00} and no credit history. 


At this point I got sued by a creditor, had to deal with them on my own trying to clear this mess they created. 

I am looking for your help to get at least money back and somehow rebuild the credit. 

The amount of stress this has created on me and me health is absolutely insane. I do not wish anyone to be in this situation. I want justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

a lot of information on my credit report is invalid on my Experian credit report. I am interested in disputing all incorrect information to help clear my file.
Product: Credit reporting or other personal consumer reports

Si many inquires in my profile this are no good because I have never do that.
Product: Credit card or prepaid card

I received 2 Netspend pre-paid Visa cards from my Mother in XX/XX/XXXX. My Mother suffered a very tragic accident on XXXX XX/XX/XXXX and subsequently passed away in XX/XX/XXXX. I could not even look at the cards much less deal with them after my Mother 's passing. 
I contacted Netspend today ( XXXX XX/XX/XXXX ) as I tried to activate my pre-paid cards via their website and I was directed to call them. During the very lengthy activation process I was informed that the balance of the card was much less than I expected it to be. I was told the card was being charged an inactivity fee of XXXX every month. 

How can the card be charged an inactivity fee if its not even activated?
Product: Credit card or prepaid card

I first identified a problem with my Capitol One account in XXXX of XXXX to notify them of fraudulent charges that had occurred on my account. At that time, my credit card was cancelled and a hold was put on the account so no other charges could be charged and would be sent new credit cards. We were told to make a list of all of the fraudulent charges that were against our account totaling {$1700.00} starting from XX/XX/XXXX XXXX XXXX XXXX. We explained to them that because we were set-up on an automatic payment system and they were sending the billing address to the wrong address, we had not become aware of the charges until we were doing an account overview of all of our accounts. Since that first point of contact in XXXX of XXXX, I have faxed over the list of fraudulent charges twice, most recent being XX/XX/XXXX. I have also spoken to various customer representatives and supervisors almost every month, last point of contact being at the end of XX/XX/XXXX ( when I faxed over the fraudulent charges again ) in which I was assured that they are still investigating these charges and that I should start seeing some charges being reversed ( there has been none ) .I have been told over and over these charges will be taken care of and I feel like I keep getting the run around and I am still having to pay money towards this balance and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX : ** XXXX XXXX XXXX XXXX  # XXXX ** XXXX Account # XXXX ** XXXX  Account # XXXX, has violated my rights. 

1 5 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 1006.34 Notice for validation of debts : States a debt collector must provide a consumer with the validation information required by 1006.34 ( c ) either by sending the consumer a validation notice in the manner required by 1006.42, or by providing the information orally in the debt collectors initial communication.
Product: Mortgage

Hi My name is XXXX XXXX and I am writing this complaint of the poor service we received using Cornerstone Home Lending Inc. and would like to seek remedy of monies we lost on a deal with them that was directly caused by their incompetence and negligent behavior. We stated this process with them on XX/XX/2020. We had selected a home with a realtor, and she suggested Cornerstone Mortgage. In hindsight it was a bad judgement call to go off that type of recommendation, but this is my wife and I 's first time buying a home and we feel they took advantage of it. We were initially approved for a VA loan, as I am a XXXX XXXX XXXX XXXX XXXX XXXX Veteran and my wife and I wanted to use our loan eligibility to get our first family home for our two children and we were scheduled to close on XX/XX/2020. We were in constant contact with our loan officer and luckily for us a lot of this was done via text and email due to the pandemic. We were also in contact via phone, but I insisted on email after we were forced to move our closing date only about a week or two after we had signed the contract to XX/XX/2020. We were assured we would not have any other hang-ups, but I keep through documentation just in case. Then we were asked to change our closing date a third time by the mortgage company to XX/XX/2020 because they claimed they could not get a VA approved appraisal in time. At this point the seller would only agree to this if we released our earnest money and we had to put up new earnest money. We agreed but then got the shock of our lives when the loan officer emailed us and claimed to already have our appraisal, which we still havent seen, and sent us an email with the closing date of XX/XX/2020 and the sale price was not what we agreed upon in the contract. We asked about this and did not get a response until about 4 days later, granted two of those days was the weekend. Once we did get a response, we were told we would have a new closing disclosure before the weekend was over the following week. Then we get an email from our loan officer saying he need until the end of business Monday. At this point we are 5 days away from closing and we still have not gotten these documents. We finally received a Closing Disclosure on XX/XX/2020. We get to closing, which is the day I am writing this, and we received an email from our mortgage company with the closing date and time, which was XXXX XXXX. As we are doing the final inspection our realtor conveniently gets a call from our mortgage company saying that we would not be able to close at 3 and instead it would be at XXXX. At this point I am furious because it is the closing day and the mortgage company is still forcing us to move our closing time because they are unprepared. We get to the title company for XXXX XXXX and again we get a call from our realtor stating the loan officer told her we would have to close tomorrow XX/XX/2020 and we still have not received or even seen the appraisal.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded thaXXXX XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

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, except ( XXXX ) to advise the consumer that the debt collectors further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c ( c ), consumers have the right to request that a debt collector ceases further communication regarding a debt. When a consumer sends a written request or informs the collector that they refuse to pay, the collector is legally obligated to stop contacting the consumer, with only a few exceptions. Heres a breakdown of what this provision entails and how it might impact your credit profile : XXXX. Purpose of XXXX ( c ) : This section allows consumers to regain control over communications from debt collectors. Once a collector receives a written cease communication request or a clear statement of refusal to pay, they must comply by stopping most forms of contact. 
XXXX. Exceptions to the Rule : After a XXXX ( c ) request, a collector can still contact the consumer to : Inform them that collection efforts will cease. 
Notify them of any specific legal actions the collector or creditor intends to take. 
Confirm or provide additional information regarding the debt. 
XXXX. How XXXX ( c ) Impacts Credit Reporting : Requesting a cessation of communication does not directly remove a debt from your credit report. It stops communication but does not erase the debt or affect its validity. However, if a debt collector violates this provision, you may have grounds to dispute the debt if it continues to appear on your report or if communication persists in violation of the law. 
XXXX. Challenging Debt Legitimacy : Although XXXX ( c ) does not remove a debt from a credit profile, you can dispute inaccurate or outdated debt entries separately under the Fair Credit Reporting Act ( FCRA ). If successful, such a dispute can lead to the debt being corrected or removed. 
XXXX. Steps if Debt Remains on Credit Profile After Request : You may need to submit disputes to the credit reporting agencies, providing any evidence of the written XXXX ( c ) request. This can bolster your case for removal if the debt remains inaccurately listed as unresolved or active in collections. 
This section ensures peace from collection calls but doesnt erase the record of debt ; however, it provides leverage if the collector violates these rules. 











XXXX
Product: Debt collection

I checked my XXXX credit monitoring and learned that I had a collection on my credit report for {$13000.00} from a XXXX XXXX XXXX being in collection by ID XXXX XXXX I called to tell them that this was wrong and identity theft and they yelled at me and mouth obscenities and hung up on me I called ( XXXX ) XXXX and their address is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, WA XXXX I want this removed from my credit report imemdiately