23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Recovery XXXX XXXX XXXX XXXX XXXX, OH XXXX Reference : XXXX Dear Recovery One, I am writing to formally dispute the debt referenced in your letter dated XX/XX/year>. This letter fails to provide sufficient information regarding the origin or reason for the alleged debt to XXXX XXXX. As a former employee who was injured on the job, I question the validity of this claim and believe I do not owe the amount stated or any debt at all. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : A full validation of the debt, including a detailed explanation of how the amount was calculated and why it is attributed to me. 
A copy of any agreement or documentation that proves my obligation to pay this debt. 
The name and address of the original creditor, if it is not XXXX XXXX. 
I also request that you cease all collection efforts until this debt is properly validated. Please be aware that I reserve my rights under the FDCPA, including the right to report any violations of the law to the Federal Trade Commission and the Consumer Financial Protection Bureau. 

Additionally, if this matter is not resolved and this alleged debt remains on my record, I may seek legal counsel to address the potential harm caused by this claim. 

I request all future communication to be in writing and sent to the address listed above. 

Thank you for your attention to this matter. I look forward to receiving the requested information promptly. 

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

In accordance with the Fair Credit Reporting Act XXXX  ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX XXXX  XXXX ACCOUNT # : XXXX XXXX  ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX XXXX  has violated my rights 15 U.S.C . 1681 Section 602 A. states I have a 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

XXXX and TransUnion are reporting a late payment for XX/XX/2023 when I call the loan company they do not have a late payment
Product: Mortgage

I had been working with SLS or the past two years. While working with SLS I made my monthly house payments on time so that if the loan was not approved I would still maintain my house. My original loan was through XXXX XXXX XXXX. Apparently they sold my house loan to SLS. I had applied for a HARP modification on my home. I have waited almost two years with numerous phone calls and resubmitting documents, rude behavior, and promises. I was finally approved for the Tier II loan and had made the payments as agreed. While in the process of making the payments and paying as agreed with the modification approved my home was sold to XXXX. I was not notified by SLS that they had sold my loan, but they were still accepting my house payments until the loan sold on XXXX/XXXX/2016. XXXX purchased my home and has filed documents for me to vacate my property at XXXX XXXX XXXX. The Bank wants me out of my house. They have already took my property and Deeds of Trust and I have not been notified to vacate by the courts. I did as required, made my payments as agreed and sent in all documents. But for SLS to sell my home from under us is wrong. We were not delinquent. SLS has not been faithful and truthful on their parts, and are very rude, and disrespectful on helping. Each phone call is a different lie, or they ca n't find the documents or never received. I have had to submit documents more than three times on some occasions. I need help on getting my house back. My husband and I are XXXX XXXX. My husband is XXXX and I am XXXX in a few month. We have no place to go, we do not have the funds to hire and attorney, or moving expenses. How can SLS sell our home when we was current in our house payments. Please help us. I can mail or fax documentation copies as requested. I believe we have been removed from our home illegally. There tent to be an on going situation with SLS and XXXX committing fraud on taking homes from people. In the area I live it is called flipping homes and I believe I have been the victim of the scams. Some months I had to pay extra {$300.00} monthly payments above the {$1100.00} house payments. Plus, I had to pay closing cost in the amount of {$650.00}. With HARP Loans I were told you did not pay closing costs. 


I Desire that SLS go back and buy our home back from XXXX and finish our loan with us. We did not breach our contract. SLS sold our loan to XXXX without making them aware they had approved us for a Loan Modification. We want XXXX and SLS to review their documents and give back what we have worked hard for the past 15 years or so.
Product: Debt collection

This debt was resolved years ago. I have confirmation on my credit reports and from the original collector this has all been taken care of. I 've been since contacted by two companies about this debt that no longer exists, the latest being " XXXX XXXX XXXX '' The voicemail I was left ( attached ) threatens to contact my employer, garnishing wages and freezing assets. They 're also threatening to sue. 

The representative I talked to when calling in refused to provide me their name and a suitable address. 

The number they called me from was XXXX and the email address the provided was XXXXXXXXXXXX I 've attached the original agreement that I paid and got confirmation along with snapshots of my credit reports. See below for the original confirmation email and transaction ID : XXXX XXXX, Per your request, your confirmation number for your payment made today ( XXXX XXXX, 2014 ) in the amount of {$800.00}. 

Transaction ID : XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I was sent an inactivated Bank of America debit card with no money on it on XX/XX/2022 and I have reason to believe that after the theft of my wallet a month ago, I have either been the victim of identify theft or Bank of America has made an account without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information thats on my credit report that is a result of identity theft. I did not provide written information or instructions for the identified transactions to be report on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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. These transactions should be removed according to 15 U.S. Code 1681c-2. You are required to do what I am asking and block these transactions from being report to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.
Product: Payday loan, title loan, or personal loan

No answer couldn't reach customer service. Loan was paid in full for 3-4 days then no log-in access for 3weeks then loan payment was returned ny balance was short {$60.00} plus the returned {$500.00} payment was missing. There is also {$180.00} in savings
Product: Checking or savings account

Capital one whose recorded telephone calls I requested. Is involved with trying to fake a situation with accomplice law enforcement officers and steal my debit card. The retuned letter from capital one leads to the accomplice 0hone calls that day about this crime. XXXX has chatter that proves this and XXXX XXXX has them trying to set it up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion have failed to acknowledge my dispute and correct my credit report. XXXX has failed to acknowledge my dispute by continuing to send a copy of my credit report, oppose to verifying my disputed and violating my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 Advantage Credit , INC reported to hard inquiry to XXXX. I recieved an alert about it. I called the company and asked what this is about. This company is based in XXXX, USA. They mentioned that someone tried to open a new credit card line in my name. I informed them that it was not me and requested them to remove the pending status. The closed my account that was created earlier, but the hard inquiry is still on my credit reports on XXXX. I request to remove the hard inquiry with immediate effect.
Product: Debt collection

I have been receiving messages about personify financial withdrawing money from my bank account ( though i dont see any such withdrawal ) since XX/XX/2020. These messages come to me thrice a month and i suspect identity fraud ( specifically with my phone number ). I did try to contact the company ( without having to give my SSN ) but theres no way i can approach them and discuss this problem. I hope to get to the bottom of this before it turns out a full-fledged attack on my finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I sent notice to Equifax Information Services, LLC and advised them of an item reported by XXXX XXXX XXXX. I also advised them that XXXX XXXX did not send me a HIPAA release that releases my medical information to them which definitely violates my HIPAA rights. I asked Equifax Information Services, LLC to delete this item within the required time stated by law. Within the allotted time Equifax Information Services sent me a response saying the account was verified. I then sent Equifax another letter on or about XX/XX/XXXX advising Equifax to send me a  description of the procedure used to determine the accuracy and completeness of the information requested including name, address, telephone number of each person contacted regarding this alleged account and my signature showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Again Equifax failed to do so. They simply responded the account was verified. A third time I sent a letter of final communication concerning the inaccurate entry being reported under XXXX XXXX XXXX, but yet again they failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX substantiating their claims. Furthermore Equifax failed to send me their method verification, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). I advised them that I would be filing a complaint and if they should decide to correct their records and remove the negative false item in question to contact me. Again Equifax sent a letter saying the account was verified with no proof. Therefore I am officially filing a complaint against them.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid off my balance on my Amex account, redeemed my reward points, and closed the account in that order. Today, XX/XX/XXXX, I received a suspicious email and text that my account needed attention for a past due balance. Following this, I logged in via the online portal ( ignoring the email ) and found that Amex had assessed a {$0.00} interest fee on XX/XX/XXXX, then placed two {$35.00} late fees on top of that.

For one, I'm didn't see how the account was still open, I'd requested it closed XX/XX/XXXX. For two, I don't see how after paying the full balance {$0.00} popped up, and how that became {$70.00} Chatting with Amex, their explanation is that they processed my rewards point redemption after closing the account rather than before, which triggered a {$35.00} account reinstatement charge, and then left the account open and able to collect additional late fees on that {$35.00} charge. Checking my sms and email communications logs, I had no emails or sms messages from them since I closed the account which would have indicated that the account was reopened and collecting fees.
Product: Credit card

I sent a check for {$26000.00} to Citi with the billing statement to the address on the billing statement. I sent it certified mail with tracking since it was for a large amount and I have previously had an issue with them claiming a payment was late and charging me a late fee. The USPS tracking number shows that it arrived in XXXX XXXX XXXX. The report further shows that it was delivered and has been sitting there and the company has failed to pick it up. I have made multiple calls on this and the latest representative, XXXX, tells me to contact the post office- but it's not the post office that's at fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of identity theft ; my information was stolen and used to open these items without my permission or knowledge. Therefore, I request that you immediately remove these fraudulent items from my credit report with your firm or provide me with the exact source from where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my credit report : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXXXXXX 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, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$540.00}. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.
Product: Debt collection

I am a victim of XXXX XXXX  and am requested the removal of adverse credit information under the XXXX XXXX XXXX XXXX. On XXXX XXXX, I mailed and I provided the necessary documentation to American Express, but they have failed to comply with my request. Ive also included the dispute letter and verification from a non-governmental entity certified that I am a victim of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto Finance account as been closed and charged off since XX/XX/2017 and has not been sold to a collection agency but the above company is continually to re-age this account
Product: Bank account or service

Wells Fargo has charged me excessive overdraft fees in relation to a already posted debit card purchase for {$7.00} and charged me a overdraft fee for withdrawing {$40.00} from my checking account and I knew I was overdrawn by {$33.00} by my own fault. 
I spoke to customer service and they reduced the fees somewhat to a lesser value {$48.00} vs {$100.00}. 
But I believe in the past history of wells Fargo charging excessive fees, all overdraft fees should be erased and a apology should be issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am ( 120 ) days past due on the HIGHERED partial account number XXXX. Transunion is reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These account report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit card

Credit card company charges XXXX dollars annual fee for the card. I was fine with it because I really needed the card. They approved for % XXXX. 

Less than a week into using the card, it was blocked a couple of times for fraudulent use. I wouldn't have known if I didn't call. No email or text to let me know. I was trying to use it for XXXX. Apparently, it's fraudulent. They unblocked the card but told me i can't use it for XXXX anymore. 

Anyway, a week into using the card, I called and found out that it was blocked again. But this time they can not unblock it without me sending ID. They just told me because of fraudulent use. But they did not even confirm with me if they are indeed fraudulent. They were all legit purchases. 

Another issue came up when they told me that I can only fax or postal mail the ID. No email or website upload of the document. During this time, I can't even access my account online. 

I was able to send the fax and called if they received it. I've called several times to see if the information on the number of days to process changes. The general information I got says that it takes A WEEK FOR THEM TO RECEIVE THE FAX. I don't know if they are outsourcing it or what but in this day and age, I can't imagine any US company receiving fax that long. After that, it will TAKE TWO WEEKS TO PROCESS THE DOCUMENT. 

So, to unblock my card for a purchase they said was fraudulent, which was not, will take XXXX weeks. I paid XXXX dollars to use the card and they've already blocked it for almost a month.
Product: Mortgage

XX/XX/XXXX : Veterans Affairs accidentally dropped me from their system and I didn't get paid. I am XXXX XXXX XXXX Veteran and Unemployable. I notified Roundpoint Mortgage Servicing about what happened. 
XX/XX/XXXX : Working with OK XXXX XXXX 's office to resolve my VA XXXX pay issue ; Roundpoint " started Loss Mitigation '', at least that was what they told me. 
XX/XX/XXXX : I started receiving my pay and made 2 months payments, which one was rejected and the other was sent back to my account. 
XX/XX/XXXX : I paid another payment, and then received XXXX payment back into my account. I called and found out that they " could not accept payments because they filed for foreclosure XX/XX/XXXX ''. I asked how and why considering I was suppose to be in Loss Mitigation and I had now made 3 payments. She said all she can say is that they filed for Foreclosure on XX/XX/XXXX. I emailed documents that same day for Loss Mitigation, AGAIN. 
XX/XX/XXXX : Called to check on the Loss Mitigation and then was informed they could not open anything and a letter had been sitting in their system for nearly 3 weeks to notify me of documents they need, but I had already sent. The next day I sent all documents AGAIN, this time Certified Mail to have proof they received them. 
XX/XX/XXXX : I AGAING had to Certify Mail documents to Roundpoint. 
XX/XX/XXXX ( Sunday ) : I was served with a Summons for Foreclosure. 
In Summary : I have been prevented from making payments to force me into default, denied Loss Mitigation, destroyed my credit, and expected to pay THOUSANDS in penalties, interests, and legally fees, which NONE of them would have occurred if they would have done their job in the first place. 
Roundpoint is in multiple class actions for allegedly putting force placed insurance on escrow accounts and using that money with one of their service writing companies as their " personal funds ''. All of this among many breaches of contract and other suits. I am currently waiting on a return call from a lawyer to handle this situation. If there are any questions, please don't hesitate to call or email me. I have documents, scanned copies, copies of Certified Mail Receipts, names of people Ive talked to at Roundpoints " Loss Mitigation Team '' which have absolutely no idea what their job is. I can not submit documents over a certain amount, I will have to mail copies to whomever requests them. 
Thank you for any and all help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several attempts to remove listed account of consumer report due to identity theft i made a complaint thru cfpb for this debt collector CCS Collections and they responded stating they have no account listed in system i am uploading the name of the creditor and asking this account be deleted as soon as possible
Product: Mortgage

I closed on a HELOC loan with Pentagon Federal Credit Union on XX/XX/XXXX, My loan processor informed us after loan approval that they offer a special introductory rate offer of 3.24 % for 1 year, if we take an advance on the line at closing, we had to take it settlement to get this intro rate. The fixed rate of the introductory offer is 3.24 % for the first 12 months. We took an advance on the HELOC at closing as advised. However our billing statements- ( attached ) -does not and has never matched the actual interest rate accrued correctly, nor the interest rate calculated for the amount due. It states a rate of 5.00 %. We brought this to the attention of a supervisor at PenFed 2 month ago ( XXXX XXXX Supervisor Mortgage Loan Servicing Phone : XXXX E-Mail : XXXX ) When we saw this error on our dashboard. XXXX and our original processor at PenFed acknowledged in several emails and phone conversations that they are having issues with their new loan origination Platform system designed for 1st mortgages and is not working correctly for HELOC 's at this time. 
I was informed they are aware of the error and asked to be patient and assured that the problem will be corrected shortly. It has now been more than 60 days of communications and we still can not get a correct interest billing statement and corrected interest charges for last year for taxes. And so far this year our statement is still incorrectly being displayed on our dashboard- ( billing statements attached ). Today we received a billing statement for our loan and it now shows us past due! It  does not reflect all payments made to date by auto debit from my checking account from XXXX XXXX XXXX to PenFed. We are getting nowhere fast on these communications unless we keep calling and emailing for updates. What's more! IS our PenFed dashboard now shows two open HELOC loans and two different account numbers?, it's a real mess. At this point, we are just plain worn out and tired of the time and energy we have spent on this issue. We want to out of this loan and want to rescind this loan, have our fees returned. This whole process has been a total mess from start to closing, which took PenFed over 135 days to process and resulted in having to have a new hard credit pull which lowered our score and now we are concerned about our credit rating and the risk of a misreporting us as past due?