23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have received a NOTICE OF DEFAULT AND INTENT TO ACCELERATE from the mortgage servicer Bayview Loan Servicing , LLC . 
The letter claims I have a mortgage that is behind {$13000.00} I submit I have no mortgage for the following reasons : 1. I received on XXXX XXXX a CHANGE OF CREDITOR letter from Bayview ; it states the new creditor is XXXX, with an address of XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX - See Exhibit A. 
2. This address and phone number belong to XXXX BANK. See Exhibit B 3. I visited said address and XXXX BANK disavows any knowledge of " XXXX '' and of XXXX XXXX in any of their records. 
4. A search of the SECURITIES AND EXCHANGE COMMISION database reveals that the true address of " XXXX '' is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FLORIDA XXXX ( XXXX ) XXXX. This is the address of " Bayview Loan Servicing '' and " Bayview Asset Management ''. * See Exhibit C. 
5. A search of the XXXX system shows that mortgage MIN XXXX ; its present status is INACTIVE. This means this loan was " written off/ discharged '' and " transferred out of the XXXX system ''. See Exhibit D. 
6. The XXXX system lists XXXX BANK as " Trustee ''. A TRUSTEE is NOT a BENEFICIARY, which would be the true owner. 
7. Cleared checks show that all monies went into Bayview 's accounts and some checks have the statement " Bayview for Deposit Only '' crossed off. See Exhibit F. 
8. By their own boilerplate text, Bayview Loan Servicing is a debt collector, NOT A LENDER, NOT A CREDITOR, NOT A FINANCIAL INSTITUTION. See Exhibit K XXXX. XXXX XXXX records show irregularities : See Exhibit XXXX -The original note with Decision XXXX has been recorded but all following assignments are missing ; the note was transferred to XXXX XXXX See Exhibit G. 
-After XXXX XXXX the loan was transferred to XXXX who modified it to a fixed rate, See Exhibit H. 
-The County representative interpreted the records for me and indicated Bayview Loan Servicing , LLC . Had bought the Decision XXXX document XXXX - I can not see how since Decision XXXX shutdown in XXXX. XXXX XXXX XXXX & XXXX. 
10. As it stands, I HAVE NO MORTGAGE with any LENDER IN THE XXXX XXXX or POLITICAL TERRITORIES. 
XXXX The above facts could be construed to demonstrate mortgage fraud by Bayview Loan Servicing XXXX at a minimum they clearly demonstrate that at no time did we owe Bayview any money. Therefore, since the alleged mortgage was written off and Bayview never had any rights to demand money from me, I demand Bayview Loan Servicing should immediately reimburse me {$7900.00}, which are the monies they unlawfully extracted from me after XXXX XXXX, XXXX. * *Exhibit XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Experian XXXX XXXX XXXX ( CRA ) is reporting inaccurate information on the listed items below ; Due to their errors in reporting XXXX reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below are inaccurate. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit card

On XX/XX/XXXX, I took a balance transfer loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX mastercard for {$130000.00}. I mistakenlyhad XXXX mail the loan to my Capital One ( CO ) credit card instead of 3 intended recipients including CO. I checked with CO daily`for arrival of the check and was told, if received, it would post within 24 hours. On XX/XX/XXXX, I was told that the check was received by CO on XX/XX/XXXX but was not posted till XXXX. On XXXX, I explained to CO that check was intended for 3 recipients and to please ACH or mail the excess funds to me. I talked to numerous reps including supervisor XXXX and I was told I had to wait 15 business days and then the check would be mailed in about 10 business days. They could not expedite it. I gave them recorded verbal authorization on XXXX for the check to be mailed. On XXXX, I called CO talked to supervisor XXXX to see if waiting time could be reduced as my other 2 intended recipients needed to be paid. She said the wait is in process and could not expedite. On XX/XX/XXXX I talked to supervisor XXXX from CO to find out my prior authorization from XXXX to mail check could not be found and I had to reauthorize which I did. I asked him to email me their wait policy or find it on their website. He said this was internal policy and could not share it. I told him as I had told others of CO all they had to do was contact XXXX  to verify I and the funds were legitimate. I also told them XXXX and XXXX where I have credit card accounts would mail me refund checks promptly without wait as this was not universal policy. I am still waiting for my check while I am currently paying over 8.5 % in one account and close to 16 % in another account that I would not have incurred if I had received timely refund.
Product: Debt collection

XXXX Physical Address : TRANSWORLD SYSTEMS INC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX XXXX Repeated attempts to contact an individual that is not me. Repeated attempts on my part to have my personal email and information completely removed from their claim. 

I am in no way the individual associated with their supposed collection efforts. They continue to be unwilling to remove my personal information from their systems. Their opt-out and unsubscribe features do not function. 

Repeated attempts by phone leads to a temporary hiatus until they reassociate my information with their debt. As I am not the individual of claim, they can not provide me the details associated. This is in no small part due to XXXX XXXX inaccurate associations with my PII, as well as a myriad of other less reputable data brokers. 

Text of the claim : You had XXXX XXXX XXXX XXXXXXXX XXXX account with account number XXXX. 

As of XX/XX/year>, you owed : {$240.00} Between XX/XX/year> and today : You were charged this amount in interest : + {$0.00} You were charged this amount in fees : + {$0.00} You paid or were credited this amount toward the debt : - {$0.00} Total amount of the debt now : {$240.00}
Product: Student loan

I have sent letters to this company in regards to my student loans. this company have violated my rights and also havent responded to my dispute. i have sent them a certified letter since XX/XX/XXXX in regards to the student loans they are reporting on my credit report. i have checked my annual credit report and noticed the late payments on my report but when i look up the law in regards to disputing it states the time of payment is only suppose to be a. transaction between consumer and creditor. meanwhile they have violated by putting a late payment on my report which is damaging my reputation, values and embarrassing to myself and financial institutions that im trying to gain loans with. 

here is the account FED LOAN - XXXX
Product: Credit reporting or other personal consumer reports

XXXX and XXXX are accurate with their updates. Experian takes well over 60 days or more with updates. I have called Experian a few times in the past with concern. I get the same answer : creditors have up to 30 days to send in updates. I have received several updates from creditors. Experian does not do the updates to match. I have called each of my creditors ; I promise you each has reported that they send out updates to all three of the credit agencies at the same time. Why is it that Experian never updates like XXXX and XXXX? Most companies pull from Experian to run a credit score. It is not fair. I have been denied for things trying to get ahead due to Experian false low score. It has nothing to do with the different scaling, FiCo, Vantage, etc. They are not updating new information that comes in. Experian also has a prompt pop-up encouraging me to purchase their Boost product. So, to get an accurate update, I need to buy a product from them to reflect the correct credit score. They are messing with a lot of people 's livelihood.
Product: Debt collection

I called PMAB LLC to ask for verification on an alleged debt they claim i owe. The first representive was very rude said she been there five years and said this is what she does. I asked if the calls were being recorded she said always. The fact you will allow ride people to adress consumers in that manner is baffling. You would not want consumers calling you on that tone. I asked how did you verify the account was mine. She said because we have an itemized statement saying so. Excuse me? Just an itemized statement? That's how you verify an account belongs to somebody? So i was transfered to a supervisor by the name of XXXX XXXX and she said said the same thing. They just collect a debt. Well if you are collection a debt, you should have contact info for the company you are collecting for. She said they don't have that. Then how exactly are you verifying the information given to you? Sounds like fraud The representive already said she had multiple XXXX XXXX in her files. Well how are you 100 % sure it's mines?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX RE : Account # ( XXXX ) To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested.Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, Trans Union ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following Violation of the Fair Debt Collection Practices Act I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit- reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful
Product: Credit card or prepaid card

Hello my name is XXXX XXXX XXXX I am submitting this claim today because my bank has put my account in the negative of the amount {$3800.00}, because I unauthorized deposits and use the funds from a account belonging to a XXXX XXXX and XXXX XXXX. I was told initially that bankmobile would reverse and refund those deposits and funds, and return it to their XXXX XXXX  respectfully However, upon having further contact with the account holders/merchants, I learned that the bank never sent them anything and so my account is in the negative for no reason ; and the bank refuses to disclose any information to me, XXXX, or XXXX XXXX regarding these funds, or where they went. So, I asked that you guys please provide a solution to this problem. I uploaded all the documentation surrounding these claims and accounts, along with the approval of the banks statement that they would return and reverse the funds to XXXX XXXX and XXXX XXXX. you can also see by the statement that my account is in the negative as well. Due to me receiving provisional credit, my account is not negative {$3800.00}, but {$2600.00}... please help again with these disputes matters
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. XXXX XXXX XXXX Date Opened XX/XX/2016 Balance : {$400.00} This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit card or prepaid card

on XX/XX/2022, at the Nordstrom XXXX  store in XXXX, VA, I purchased clothing and worked with the cashier to apply for Nordstrom Credit card, after 15 mins of information providing they could not sent a text message to my phone, so they denied the credit card. They would not even try again, or work with me to get the text to work. Then when I got home I called the Call Nordstrom Card Services XXXX, and they said nothing they could do, just try to apply online for a credit card again. I think that denying credit to someone with technical issues, and not working with them to overcome these issues is discrimination. I am a IT professional, and this was clearly not an issue on my phone. Please process this complaint against Nordstrom so they provide credit to those who " have not '' the technical skills to support themselves. 
( They told me the denial letter is on the way, so I did not attach it here. )
Product: Mortgage

I applied and was approved for a VA home loan with Veterans United Home Loans, and Im currently in the middle of a chapter XXXX bankruptcy but I met all the requirements of the VA and VU. Then a day or so later, I had a conversation with my loan XXXX about why I wanted to move from the XXXX and aside from employer giving me a promotion requiring me to move, I stated that I wanted to get to a more diverse area, as it pertains to race relations. 
A few days later, my loan XXXX questioned me about a clerical error on two payments in XXXX 2020. The attorney handling my case gave me a incorrect payment amount which was off by {$10.00}. The error was caught two months later and the monies were paid i.e. {$20.00} immediately to bring the plan current. 
The lender said because of that, they couldn't proceed with giving me a loan because of the VA guidelines. I contacted the law firm and they advised me that the attorney that made the error is no longer employed there, but they were willing to draft a letter explaining that the error was no fault of mine. The lender refused to acknowledge the mistake from the law firm. I then contacted the VA regional loan center and gave them all documentation and after their review, they determined that the mistake wasn't mine, and they would guarantee the loan. Said lender still refuses to grant me said loan. This is a time sensitive matter because my employer has offered me a promotion requiring me to relocate to XXXX ; hence the home loan need. I have to report to XXXX by labor day.
Product: Credit reporting or other personal consumer reports

Sent multiple letters to get this account removed due to in accurate reporting.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In according to the fair credit reporting act XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  Inquiries XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. XXXX XXXX via XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX cr / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Has violated my rights XXXX15U.S.C 1681section 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 instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent in several dispute over the past six months. For some strange reason first progress XXXX XXXX bank continues to ignore my dispute as soon me letting him know that I never on these credit cards they were open as fraudulent someone stole my identity not sure why I have to keep continue to do these speeds at this point Im not sure what else I need to do feel like my back is against the wall so therefore I will be making a complaint with the attorney generals office
Product: Debt collection

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Portfolio Recovery Associates, LLC XXXX XXXX XXXX. 
XXXX, VA XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$1000.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX I have sent them numerous letters asking for proof of debt and they have yet to provide me anything with my signature. I have never done any business with this company and they are reporting on my credit report a collection account.
Product: Credit card

I was charged {$34.00} from a XXXX vendor at a location in XXXX at a time and date when I was not even close. I do not remember making the purchase. I asked Capital one to help me dispute the purchase. They said they could only do it if they classified it as " Fraud '' and so would have to get a new card and number, which is very painful. Despite talking to 4 very rude people including a supervisor who were laughing and disrespecting my age and memory ( I am XXXX XXXX XXXX and retired ), they would not dispute or further investigate the charge. I told them that I did not want to get a new card and number because that would be a lot of work setting up online payments again. They said I either cancelled the card and get a new number or they could do nothing for me. They would not dispute or investigate the charges. They came across as disrespectful and " XXXX  ''. 
The supervisor was XXXX ( employee number # XXXX ) and the last of 4 service agents was XXXX ( Employee # XXXX ). I think they need training is being respectful to older people.