23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To whom this may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
XXXX. Creditor Name : XXXX XXXXXXXX XXXX XXXX Under federal law, you have XXXX ( XXXX ) days to complete you re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Product: Debt collection

I was offered a settlement in full offer of XXXX dollars by national enterprise service collection agency for my account from XXXX XXXX that I paid over the course of XX/XX/2021 to XX/XX/2021. They then said to the original creditor that I defaulted and now my supposed debt is at XXXX XXXX XXXX and is almost XXXX. I need help please.
Product: Debt collection

I was contacted about a debt in XXXX for {$280.00} and spoke with someone from Midland Funding LLC who said that they had bought the debt from XXXX/XXXX. I told them someone was trying to use my information to open accounts, that I didn't request or authorize it. I think they said it was opened at a XXXX in Kansas ( possibly Massachusetts ), and let them know there was no way that could be me - I hadn't traveled there at all in XXXX, didn't authorize anyone else to use my information, and I also don't shop at XXXX. More recently I've learned that instead of removing the debt because of the identity theft/it not being owed by me, Midland Funding reported the status as in collection, and it's lowered my credit score.
Product: Debt collection

I am filing a formal complaint against XXXX XXXX XXXX, McCarthy, and all active collection agencies attempting to collect on fraudulent, disputed, or unverified debts in violation of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ), Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), and other consumer protection laws. These entities have engaged in : Unlawful collection attempts on unverified debts Failure to provide proper debt validation upon request Attempting to collect on debts past the statute of limitations Harassing and misleading communication tactics Unlawful credit reporting of invalid debts These actions have caused significant financial harm, emotional distress, and damage to my creditworthiness.

1. Violation of Debt Validation Requirements ( 15 U.S.C. 1692g ) XXXX XXXX XXXX and McCarthy have continued collection attempts despite my formal dispute and requests for proper validation.

Under 15 U.S.C. 1692g, a debt collector must provide full validation upon request, including original contracts, itemized statements, and proof of ownership of the debt.

These agencies failed to produce this required documentation, yet continued collection efforts unlawfully.

2. Misrepresentation & False Collection Practices ( 15 U.S.C. 1692e ) These agencies have engaged in deceptive and misleading representations regarding the alleged debts.

15 U.S.C. 1692e ( 2 ) prohibits false representation of the legal status of a debt, including claiming a debt is owed when it is not. 
XXXX & McCarthy have failed to provide legally required validation, making their collection attempts fraudulent and unlawful. 
3. Unfair Collection Practices & Unlawful Credit Reporting ( 15 U.S.C. 1692f ) Under 15 U.S.C. 1692f, a debt collector may not use unfair or unconscionable means to collect a debt.

These agencies have reported unverified debts to credit bureaus in direct violation of FCRA ( 15 U.S.C. 1681s-2 ).

They have also failed to properly investigate disputes, violating 15 U.S.C. 1681i ( a ).

4. Collection of Time-Barred Debt ( Statute of Limitations Violation ) Some of the debts they are attempting to collect are beyond the statute of limitations for collection and legal enforcement.

Attempting to collect on time-barred debts violates FDCPA, as it misleads consumers into believing they are still legally obligated to pay.

5. Unlawful Communication Practices & Harassment ( 15 U.S.C. 1692c, 1692d ) These agencies have engaged in harassing, threatening, and excessive communication tactics, violating 15 U.S.C. 1692d.

They have continued to contact me despite my demand for all communication to be in writing.
Product: Credit reporting or other personal consumer reports

I want to inform you that I have been a victim of identity theft. This letter serves as a formal dispute of the following accounts on my credit report. I have already contacted the companies directly, followed the necessary steps, and filed an identity theft report with the FTC. 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

TransUnion response to my request for documentation reads as follows " In order to process your request we need clarification regarding your dispute. We sent you a letter to request the name of the specific item, the reason you are disputing it and included instructions on where to send it. 

Transunion is playing a cat and mouse game with me because they do not actually have any proof that I owe or incurred this debt. They are asking for me to provide " specific Items and the reason for disputing ''. All of this was included in THEIR response ( please see attached ). 

They have all the specific items ( which they listed in their response ) as well as the reason for the disputes. They are playing a cat and mouse game and have refused to provide me with any documentation AT ALL. This is unlawful and unacceptable You will see in the attachment I sent that Transunion provided and indiviual response for each item I disputed and therefore are fully aware of the " specific items ''.
Product: Debt collection

Nationwide recovery systems has called me several times concerning a debt for a XXXX XXXX ( XXXX, I do n't know the name of the person ). I have asked them several times to remove my phone number from their systems because she does not own the phone number that they have been calling and has not had it for several years. These calls come several times and each time I have demanded that they remove the number from their system, they have yet to do so. Most recent contact was XX/XX/XXXX at XXXX XXXX Central Time. I have never owed them any money and I am tired of receiving their calls for someone whose debt is owed to them. I am filing this complaint to see what can be done to get them to stop calling my number.
Product: Mortgage

I have Escrow ( impound ) account with this Lender to pay Property Tax and Insurance. But, I have paid the property tax directly to the county and requested Escrow Service not to send the Property Tax payment to County and rather issue a refund to me from the Escrow Account. They have received my email and acknowledged stating, they will refund this amount on XX/XX/2022. They have not issued a payment till date ( XX/XX/2022 ) and now they are saying they received Refund from County, but they need to do escrow analysis before issuing a refund. This is not acceptable. 

Document attached : Initial email communication regarding Escrow, Final letter from lender.
Product: Credit reporting or other personal consumer reports

I contacted discover to handle a situation that occurred XXXX of XXXX  when a payment to discover was returned and it was reported as a missed payment. I took care of it right away where discover received their funds and everything was cool, they reported it as an on time payment. after I told XXXX and XXXX they removed the missed payment and reported it as an on time payment. a few days later i checked my credit report and XXXX and XXXX changed the status again as missed payment I contacted discover again to double check the status of my payment when they had told me that it was 100 % paid on time. I then called XXXX and XXXX to let them know the status and they told me they would handle it but never did. 
i checked my credit report and noticed some inaccurate dates reporting from both XXXX and XXXX I highlighted them.
Product: Credit card or prepaid card

I applied for Spirit Airline credit card ( Bank of America ) while buying tickets on Spirit web site in XX/XX/XXXX. Something went wrong during transaction and it didn't get through. I thought I used a different credit card. I can't prove it, I do not keep records for that long. I never received any statements from that credit card ever. No one called me and notified me about my outstanding balance. Only a month ago ( XX/XX/XXXX ), when I applied for car loan, I was notified that Bank America reported my non-payment to all credit reporting agencies, so I could not get a good interest rate. I contacted Bank of America in XX/XX/XXXX and received a letter stating that they didn't do anything wrong.
Product: Vehicle loan or lease

I was in an accident on XX/XX/2023. I opened a claim with the at fault drivers insurance. They took a while to get back to me so it was probably a few weeks after I was told that there was no coverage at the time of the accident. So I then opened a claim with my insurance. This was on XX/XX/XXXX. I reached out to the total loss department at global lending service. I was told my vehicle was at one location, and that it would be in transit to go to XXXX. My insurance went to XXXX and my vehicle was not there. They were given a new location and my vehicle isnt there. The company is unable to locate where my vehicle is at this time. This has been a month as of tomorrow & my insurance still hasnt been able to do the adjustment for my car. I really feel like theres something illegal going on because no one has any answers for me, theyre just giving me the rub around.
Product: Credit card

bank has committee consumer fraud as I have XXXX insurance on the acct XXXX bank for fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX XXXX XXXXXXXX ) Amount {$1600.00}, XXXX XXXX ( XXXX ) Amount {$3900.00}, XXXX XXXX ( XXXX ) Amount {$1200.00}, XXXX XXXX XXXX XXXX ) Amount {$960.00}, XXXX XXXX XXXX XXXX ( XXXX ) Amount {$3000.00}, XXXX ( XXXX ) Amount {$2100.00} has violated my rights. The above accounts were previously disputed XX/XX/2022 and have not been deleted from my credit report.

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

Equifax and XXXX are reporting incorrectly that I am 120 days past due on XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

i dont know who is this!!! 
I am requesting that you validate the debt below. 

Last reported XX/XX/2019 Open balance : {$540.00} Original creditor CXXXX XXXX XXXX This letter is not a refusal to pay ; however, I would like to advise your company that I am disputing your claim, I am allowed to request validation from third party collection agencies, so I am asking that your company supply me with a copy of the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect the debt in my state.

( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company accessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor ( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9. ) Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned?

( 11 ). Copies of all letters sent to me from you and from the original creditor ( 12 ). How much did you buy the debt for?

( 13 ). When was the last date a payment was made on this debt?

( 14 ). What fees/interest was tacked onto the debt?

( 15 ). How were the fees determined?

If there is anything else you need to further complete our request then please reach : Thank you for your time ...
Product: Debt collection

Holloway Credit has contacted my mother in law shared my info with her after I have asked them numerous times to stop also my husband has the same problem with them contacting her about his account!!
Product: Money transfer, virtual currency, or money service

Hello, This case is a follow-up on case XXXX, which I submitted in XXXX this year regarding transfer fund to my new bank account in XXXX. As Bank of America responded that there is no way that I could do it remotely besides submitting a written request that will need to be notarized by a notary. After considering the option BoA provided, I went to the XXXX and visited Bank of America XXXX branch on the XXXX XXXX on XX/XX/XXXX to request wire transfer my fund and close my account. The BoA associate XXXX XXXX told me they did not do wire transfer at the branch. I would have to do it online myself. As an alternative, she issued a check with the amount of the balance in my bank account ( {$54000.00} ). I was not aware that check is not accepted in XXXX banks any more. As I was still checking which banks in XXXX that I could deposit my check, my bank account with BoA was cancelled on XX/XX/XXXX. I contacted three BoA customer service to seek for a solution without success. I can not cash the check in XXXX, and I can not deposit in my BoA account either as it has been cancelled. I tried to reached out to XXXX who issued the check, but after a few email exchanges, she started to ghost me. As I do not have a resident address in the XXXX, I can not open a new BoA account. Furthermore the phone number ( XXXX extension XXXX ) that BoA provided in their response to my previous case is not valid. After tried multiple ways, I have not been able to contact anyone from BoA who can help. I am very concerned what options I might have and what is going to happen in XXXX  days when the check is voided. 

Thank you for reviewing this case and your assistance is highly appreciated. 


Best, XXXX XXXX
Product: Mortgage

XXXX XXXX Predatory lending practices, such as exorbitant interest rates and closing costs is not a legal practice. 

This loan was secured with XXXX XXXX in XXXX of 2023. It was sold to XXXX XXXX XXXX before I could address the high interest rate and unfair closing costs. XXXX XXXX directed me to XXXX  XXXX. 

XXXX XXXX and XXXX XXXX, the XXXX XXXX  Team directed me back to you who should have advocated for me, the buyers I am writing to express my disappointment regarding the terms of my recent mortgage agreement with your company. The loan was sold to XXXX XXXX XXXX last year. However, I am advised to address this concern with you as the loan 's originator. 

I purchased a home on XX/XX/year>, in XXXX, Georgia. I encountered several issues that warrant your attention and review : XXXX. Interest Rate : Despite having an excellent credit score of XXXX, I was assigned the highest interest rate of 9.125 %. This rate is significantly higher than the average rates for individuals with similar credit scores. Given my strong credit history, I believe this rate is unfair and not reflective of my creditworthiness. XXXX. Closing Costs : The closing costs for my mortgage exceeded {$30000.00}, which appears unusually high for a home priced at {$450000.00}. My pre-approval letter indicated a purchase limit of {$570000.00}, and I expected the closing costs to be proportionate to the purchase price. I should have received credit payments from the seller for the items that were not fixed at closing ( i.e. - the heat/air conditioner ). XXXX. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are multiple inconsistencies on my credit report I disputed them because I did not recognize the charges and I never gave XXXX XXXX are Experian any rights to share my information with anybody
Product: Credit card

I made a purchase to what I thought was XXXX XXXX. Turns out I was scammed. They got into my online account, took my reward money and opened a savings account, change my password, my email account information. I noticed right away because received text messages my user and password were changed. My bank refunded my money, but then they took it back stating I authorized the payment when I made the purchase. They did refund my reward money that was taken. This doesn't make sense. XXXX XXXX is NOT XXXX  XXXX. How can I get my money back that was scammed?
Product: Credit card or prepaid card

In a XX/XX/2020 telephonic communication with a supervisor connected with American Express ( AMEX ) XXXX  card accounts, the supervisor accused me ( CARDHOLDER of the credit card at issue ) of committing a fraudulent credit card transaction by receiving cash for a charge rather than receiving goods or services. However, no specific transaction was identified by the supervisor, and no such transaction has been made by CARDHOLDER. 

In a XX/XX/2020 letter from AMEX, CARDHOLDER was tacitly accused of credit card fraud in writing, but no specific transaction was identified in the letter. Again, no such transaction has been made by CARDHOLDER. 

A full description of events relevant to this complaint is being submitted, along with supporting documentation.
Product: Credit reporting or other personal consumer reports

recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 


XXXX XXXX XXXX XXXX XX/XX/XXXX {$110.00} XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app. Due to inadequate service and unfair practices, which violate the consumer financial protection act. Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significance inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX 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

My rights were violated by Experian and I demand the inquiries be removed from my credit report as they are causing my life harm. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent. 15 U.S.C. 1681a-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: Student loan

I consolidated all my loans to Mohela. I have had to make several phone calls to them during the consolidation/ repayment starting period. Each time is more than an hour wait on the phone. Each time is someone different who gives me incorrect information leading to another call to Mohela. On XX/XX/XXXX I was denied IDR even though I met the criteria. After speaking with someone, they told me I did qualify, so on XX/XX/XXXX I was approved for IDR. In XX/XX/XXXX I noticed another error with only 2 of my 6 qualifying loans being included in my IDR plan, so I called again ( XX/XX/XXXX ) to figure out why I was placed on administrative forebearance. I was told I needed to provide income info, which I did and was told my payments on SAVE plan would be XXXX. Two days later when I called with my tax info, I was was told my payment would be {$42.00}. So XX/XX/XXXX IDR approved again, XX/XX/XXXX it was canceled completely. I receive notice all my IDR was canceled due to not providing tax info, which I have provided numerous times via phone calls after waiting more than 60 minutes to speak with someone. So with XXXX on XXXX tax of XXXX, family of XXXX, I am told I now owe more than {$800.00} due by XX/XX/XXXX, while my tax documents sit in " being processed '' status since XXXX. My husband is permanently XXXX, and I work for non- profit as primary income provider. I can't afford to pay {$800.00} this month, I met all criteria for SAVE and should not be responsible for an incorrect bill because Mohela can not do their job. This feels fraudulent and illegal