23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing in response to a recent communication regarding an alleged debt that you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide full validation of this debt before any further action is taken. I am also requesting that you comply with all applicable consumer protection laws.

Specifically, please provide the following information : 1. **Validation of the Debt** : Provide verification of the original creditor, an itemized statement showing the full amount of the debt, including any interest, fees, or other charges. As required by the FDCPA, this must include a copy of any signed agreement that obligates me to the debt, including the original creditors name and contact details.

2. **Proof of Your Authority to Collect** : I request that you supply documentation proving that you have been legally assigned or sold this debt. Without such documentation, any attempts to collect would be in violation of consumer protection laws.

3. **Charge-off Status** : If this debt was charged off by the original creditor and is now being handled by your agency as a third-party collection entity, I request documentation of the charge-off date. It is my understanding that charged-off debts are treated differently under 1099 tax laws, and any improper reporting could result in significant legal issues, both for tax reporting and compliance with the IRS rules regarding forgiven debts.

Under IRS regulations, if a debt has been charged off and the creditor has forgiven or written off the amount, you may be required to issue a 1099-C form. Please confirm whether this debt has been reported as income under IRS code 6050P, which would eliminate your ability to collect on the charged-off amount. Please provide clarification and a copy of any 1099-C form sent to the IRS.

4. **Cessation of Communication** : Pursuant to my rights under the FDCPA, I am requesting that all collection activities cease until this debt is properly validated. Should you fail to provide adequate proof of the validity of this debt within 30 days of receiving this letter, I expect that this matter will be closed and any negative information will be removed from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ).

Please respond to this request in writing within 30 days and send all correspondence to my mailing address listed above. 

Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/2023, I purchased items from XXXX worth {$1700.00} and received my order on XX/XX/2023. In XXXX, upon inspecting the items, I found they were all defective because they weren't sewn properly, it's unsaleable. I contacted the merchant about the defects, informing them I could return the items as they offer a 30-day free return for defective items. The merchant ignored my request and insisted on remaking the items, but I declined, worried about a repeat issue. I took the matter to XXXX, but after almost a month, there's still no solution. I went to Citibank to dispute the charge. Despite providing all the necessary documents, Citibank credited me {$130.00}, which is not enough. I expect the full amount back, as I showed evidence of the defective products, evidence of the merchant ignoring my request to return the items, evidence that they offer a 30-day return, and more.

In Citibank 's first letter, they asked if I attempted to return the items, which I provided proof of my messages to the merchant that I want to return the items. However, I can't return the items if the merchant doesn't provide a return shipping label. How am I supposed to return them if I don't know where to ship them? 

Citibank 's last letter mentioned their attempt to resolve with the merchant, who still refuses to issue a credit.
Product: Mortgage

RE : Information Request Mortgage Loan Number : XXXX My loan is Serviced by Select Portfolio Servicing. 

I have been doing much research on the The XXXX XXXX held XXXX XXXX XXXXXXXX XXXX XXXX Mortgage Backed Notes that I am told my mortgage is entrusted to. I can not seem to find any information on this Trust past XXXX. 
I have spoken with XXXX XXXX, Vice President l Team Leader XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and he was unable to answer my enquiry other than telling me I should talk with someone at XXXX XXXX, who he says in managing the Trust. 
I have had no success in tracking down any information through XXXX XXXX on this Trust through many attempts made. 
I have also made a request to Select Portfolio Servicing to supply me with the latest financial report for the The XXXX Bank held XXXX XXXX XXXX XXXX XXXX Mortgage Backed Notes and so far have been denied. 
So now I am dealing with 3 entities to find out information on my one Mortgage note that seems to be lost in oblivion. Two of these entities have been charged and found guilty as well as paying out settlements for various fraud involving mortgage trusts as well as banking fraud. That being XXXX XXXX and XXXX XXXX. This worries me. 
What also worries me is that Select Portfolio Servicing, who services my mortgage for XXXX XXXX, is also involved in many lawsuits as far as collection issues and fraud. Even the bank that owns Select Portfolio Servicing has just been recently hit with a 5.28 Billion Dollar settlement for its hand in mortgage securities fraud. This should worry everyone involved with these financial entities. 
So out of concern for my finances I simply ask Show me the end of XXXX financial report for the XXXX XXXX XXXX XXXX XXXX. To me right now all its just a name youre throwing out there. Show me something real about it, show me it exists as of XX/XX/XXXX. 
I have a pending payment plan with Select Portfolio Servicing. I have until XX/XX/XXXX to get all my information into them for approval of said Payment plan. I have been threatened with Foreclosure multiple times and am just looking for a piece of mind to know exactly where my money is going. 
Unfortunately, I am stuck dealing with Banks and Collection companies, whatever Select Portfolio is, who have been proven to be untrustworthy and have been found guilty of fraud in the past and present time so I need to protect myself and my family and my home. 
If you need to contact me to discuss this request, I can be reached at XXXX Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.
Product: Mortgage

On XX/XX/year> around XXXX XXXX  I called Bank of America Home Loans with a question about my property taxes. 

The first representative left me on hold for 20 minutes. I called back in and got XXXX XXXX who did the same thing. 

On the 3rd call I got XXXX XXXX and I asked to speak to a supervisor. The supervisor XXXX XXXX tried to transfer me but since it was taking a long time he called me back with a representative. 

I spoke to someone named XXXX who said who could not authenticate the account because my cell number is not receiving text messages. I asked for a supervisor who then transferred me to someone named XXXX in Property Taxes. I waited on hold there about an hour. 

Now five phone calls in and three hours later I spoke to XXXX XXXX who told me I was in the wrong department but she would transfer me. 

After 4 hours now its XXXX I spoke to XXXX who said he couldnt authenticate me since the cell number is not receiving text messages. I asked for a supervisor. 

Now after taking to almost ten 10 people someone named XXXX  got in the line and said my only option was to go into the bank and provide two forms of id or CALL BACK In. This is not customer service. 

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

I have reached out to XXXX a few times to request the following information be remove from my credit profile. This information is erroneous and is causing an adverse affect on my profile. This account has been written off as a bad debt by XXXX XXXX XXXX IRS this considers income, income should not be reported on a credit profile. This account has also been reaged which is a direct violation, and by law I have a right to pursue legal action for damages. Please remove the following account below for the above stated reasons : XXXX XXXXXXXX # XXXX
Product: Debt collection

THIS IS A CONTINUATION FROM CASE NUMBER XXXX, I KNOW THEY FOLLOWED UP ABOUT DELETING THIS ACCOUNT THAT WAS FURNISHED INACCURATELY, WHICH THEY DID REMOVE THIS ACCOUNT. I AM SEEKING MONETARY DAMAGES BECAUSE AT THE TIME IT BEING FURNISHED I APPLIED FOR CREDIT AND I WAS DENIED BECAUSE OF THIS BEING FURNISHED ON MY REPORT. I AM SEEKING MONETARY DAMAGES AS SOON AS POSSIBLE.
Product: Credit card

I signed for an upgrade to a 6 cylinder car from XXXX XXXX for an additional {$140.00}, but I did not get a 6 cylinder car. They gave a 4 cylinder Corolla. I asked XXXX for a credit to my credit card, but they refused. When I complained to Penfed Visa, my credit card company, they refused to give me a credit without a credit memo from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.
Product: Credit reporting or other personal consumer reports

I filed a complaint to the XXXX bureaus regarding to inaccurate report on my credit account. Please help me submit my compalaint to remove all negative items.
Product: Mortgage

Called mortgage comapny to update payments for XXXX XXXX and XXXX, and only continues to report up until XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I did not authorize company to pull my credit report. XX/XX/year>
Product: Debt collection

Deptednelnet states XX/XX/2012 an account with the balance of {$2400.00} was open and I have no knowledge. I do not have any contractual agreement with them and this goes against my 15th amendment rights.
Product: Mortgage

Specialized Loan Servicing is the company : They cancelled my mortgage insurance on the loan that I pay to them on a monthly basis. They did not forewarn me of my policy being cancelled. Then they threaten to triple the rate on my new insurance that they have forced me to acquire as the company I was previously insured by did not meet their requirements for an A.M Best Rating of a B+ or better. 

Can they do this? I pay my insurance and taxes through my mortgage payment on a monthly basis. The told me that they could do it according to an article 5 that was part of my supposed mortgage through their company. When I requested a copy of Article 5, they said that they couldnt provide it. When I told them that they had purchased my mortgage from another company, so my original policy was the one that they had to follow, their customer service agent told me that they didnt have to. She also refused to provide me with a copy of the home insurance policy with whom they have me presently covered. My previous policy expired on XX/XX/2023. They refused payment but happily accepted my mortgage payment that includes funding for taxes and home owners insurance. Nevertheless, they said on XX/XX/2023 that I could look for an insurance of my own selection but it had to have a B+ rating or better. Well, I have been calling and its not easy to find an insurance company in California with this type of rating who will take me on as a new client. So I called my mortgage company back and asked how long was the grace period that they were allowing me to find a new insurance? The agent told me 30 days on XX/XX/XXXX, but they refused to provide a written confirmation of a 30 day grace period. Anyway when I received their letter on XX/XX/XXXX stating that I needed to look for a new insurance policy or they were going to provide it for me, they refused to help me look for companies with A.B. RATING OF A B+ or better. I asked for their legal department representative and they told me they dont have one. Hmmma company that doesnt have a legal department and refuses to send me a copy of the homeowners insurance policy that they have chosen for me appears questionable at best. I said so if something happens and I need to file for coverage, with whom do I speak? They could not provide a name of a contact person. When I asked for a pay off quote to be sent to my home, that request was also denied.
Product: Debt collection

I received a letter to appear in court on XX/XX/2022, I have absolutely no knowledge of this company, what the debt pertains to nor was i ever served any papers that i owed any debt. I sent them a certified letter proving this debt to me as well as the courts and demanding them to throw out this ridiculous case out.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting act 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 1666B : A Creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, I have the right to an accurate credit report. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company isnt the original creditor. Im no longer liable for this debt, being that the original creditor already sold my debt to you. Meaning youve been paid for my debt and Im no longer liable for this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian mailed me a credit report dated XX/XX/XXXX. I went online to dispute a charge and noticed 2 collection accounts with XXXX XXXX from XXXX that had been removed 4+ years ago reappear or reinserted on my credit report. The amounts are as follows : {$48.00} and {$37.00} dollars. I have disputed for removal and I now am filing a formal compliant for I was not notified via mail nor via email that adverse items would be reinserted on my credit report from 4+ years ago. Hence this item reports to fall off my report XX/XX/XXXX. This now bring my score down lower. I ask that you please review my case and have Experian remove negative collections from my report only to reinsert years later without notifying consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft since XX/XX/XXXX. I have since accrued numerous unauthorized inquiries ( mostly in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have disputed the inquiries with Equifax as well as the creditors ( XX/XX/XXXX-XX/XX/XXXX ), to no avail. I was advised to leave a Fraud Freeze on my credit report to ensure no more inquiries were accrued. Unauthorized inquiries continue to accrue and the credit bureau refuses to acknowledge or remove them. They are gravely impacting my credit score and I am begging for relief by them being removed. I am listing the unauthorized inquiries below. There are 28 total. XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I request the first date of account being delinquent and each late payment after that of my file with XXXX XXXX auto loan
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, my personal and financial information has been compromised. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following inquiries from my credit report. 
Inquiries to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for renting an apartment and found out there are collection accounts showing under my rental history that does not belong to me. I have only seen one of them appear in my credit report and has been successfully disputed with Experian in XXXX. It was removed from my report in XXXX. There are no other collection accounts on my credit report from Experian. 

However, when I went through the tenant screening process. The screening company XXXX used data from RentBureau ( which also belong to Experian ) showing I have two collection accounts in my rental history. It turned out that the two collection accounts all belong to someone who has a similar name to me and lived with similar properties to me. The person 's name and address are combined with my profile on Experian. 

I called Experian for disputing the wrong name and address in XXXX. I received an email showing it has been successfully updated. I re-applied to renting an apartment on XX/XX/XXXX and those records are still showing under my report. 

The collection accounts are under XXXX XXXX XXXX and after I checked those accounts, there are only the other person 's name provided and do not have either SSN or date of birth belonging to me. 

I believe RentBureau and Experian should be responsible for combining another person 's name and address into my credit report. This has caused me so much trouble for me trying to rent an apartment in order to relocate to a new place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts and addresses not belonging to me, 4 car card loans with XXXX XXXX  when I only have one loan, XXXX in which they told me this account was removed, as well as XXXX and XXXX in which I was told this was blocked. 
In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I met a man online who was selling his airline miles. I was interested and we settled on a {$550.00} amount, of which half was due before the miles can be used. He told me I could use XXXX to send him the half ( {$270.00} ). I felt good because the XXXX i will use is through my bank which is USAA bank and I felt that should protect me. I sent the money and immediately the man got it he stopped responding to my messages and his number got disconnected as well. I reported it immediately to my bank and it took my bank only less than 24hours to tell me that the transaction was not an error and I am not protected from such scammers and at the end they instructed me to contact the scam artist to get my money back! First of all I never said an error I told them I was scammed, the investigator chose to use the word error instead to minimize their responsibility and make it trivial which is offensive. 

If a bank allows a service to be used by their customers through their account and they dont do everything to protect them than why am i keeping my money with that bank? The fact that XXXX is directly included in my bank options gave me the extra trust that made me think XXXX must be good. I want my money back from USAA! 

Another big issue is that the investigation department didnt reach out to me for clarification and they have no phone number for me to call them directly. Each time you have to call a general number that sends them the message to call you and they usually take their time before calling you back. In other instance they call and if you miss it they NEVER call back again. I wonder why am baking here, my recommendation is just use them to get only the membership.
Product: Mortgage

XX/XX/XXXX received a letter from Wells Fargo stating our 10 yr interest only loan would now turn into a 20yr Arm Loan. at that time we were paying about {$840.00} a month for interest only. The new payment was going to be {$3500.00}. 
We asked them if we could refinance for 30 yrs and they refused. they did not take any kind of application to help with their decision they just said it was not an option. 
We applied for a Loan Modification asking to reduce the principle amount on the home as it was under water because of the fall out at that time and they refused and came back with a large unaffordable payment. 
XX/XX/XXXX we received a Grace Period Notice. They wanted {$7100.00} by XXXX XXXX We went to the Lawyer for Help The Lawyer tried to file a loan modification as well and they refused to even review it. 
XX/XX/XXXX We were advised that they turned our account over to the Lawyers to begin foreclosure proceedings. 
XX/XX/XXXX we received another notice that the new payment was going to be {$3600.00} starting XX/XX/XXXX a few weeks before our home was auctioned off in XX/XX/XXXX they sent us a modification that we originally asked for and by then it was too late for us to accept it. 
They sold our home for {$80000.00} less then what they told us the market value was for us to modify. 
So instead of letting us keep the house they decided to auction it off to someone else and we lost all our investment we had in our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea where this account cane from. But my personal information may have been used through data breaches with several companies to include XXXX. This is either a fraudulent account, or belongs to some one else. It's showing XXXX XXXX XXXX reporting this but the account is showing to be originated with a company called XXXX XXXX. I have never applied for a pay day loan for this company ever. I would like to have it removed frommy credit report with all the major credit reporting agencies as soon as possible.
Product: Debt collection

I was scammed on XXXX reported it to Navy Federal Credit Union . They returned the cash advances from my Credit Card that are issued by them. On XX/XX/2023, Navy Federal took {$1900.00} dollars from my VA XXXX check to pay to the scammers who also scammed money through my XXXX and XXXX XXXX accounts without my permission. I know that by law Chapter III if the Federal Code that the can not take my protected income that I pay my mortgage and car note with or money that I need to live off of. They have still not given any explanation as to how they are going to pay scammers with my protected income! Im asking that you make them return it so that I will be able to pay my bills!