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

Dear XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Mortgage

I submitted a prior complaint, case # XXXX, in XX/XX/XXXX. While I do not agree with everything in the company 's response, I accepted that they were going to move forward with my file and I was contacted by one of their representatives, XXXX XXXX, as promised in their response to my complaint. Their response said she would work with me to gather information to review for hardship assistance. XXXX XXXX contacted me XX/XX/XXXX to let me know she would be working with me. By XX/XX/XXXX, all information requested for the hardship assistance review had been submitted. Since then, I have sent in every additional piece of information she has asked for ( just as I did the first time when I knew what it was they wanted ), but still nothing has been done with my modification. I was told by her ( in writing ) that I can not make payments on my account until the matter is resolved, however, CitiMortgage does not seem to be moving to resolve the matter and it feels like they are simply stalling for some reason. We are now 7-8 months into the process AGAIN, and CitiMortgage is not communicating anything to me regarding the modification. We began the process XX/XX/XXXX! It 's ridiculous that it should take this long for review. Every time I reach out to XXXX XXXX, I 'm told that it 's been " submitted to management for review '' and that she is still waiting for an update from them. I am attaching all of the email correspondence between the XXXX of us as well as a letter I wrote to the Research and Litigation department XX/XX/XXXX which rebuts the points of their response that I do not believe are accurate. 
As I stated in my original complaint, I completed the modification process with XXXX, who holds my XXXX mortgage, in just a few months time, was offered a trial plan and a permanent modification. I started this process with CitiMortgage at the same time as the one with XXXX and I still do n't have any information regarding my file from Citi. I continue to communicate with XXXX XXXX regarding my case, but she is unable to tell me anything except " I am waiting for an update from management ''. Finally, in my last email to her I told her I was going to file another complaint with CFPB since that seems to be the only way I will receive a response. 
I have dealt with CitiMortgage in good faith and have sent everything they asked for the first time I applied for assistance ( which resulted in my XXXX complaint ) and again this time. They do not communicate in any substantive way about what is going on which is the problem I had the first time with them. If you look at my original complaint you will see this is very much the same problem I had with them the first time. At this point I do n't trust that CitiMortgage is acting in good faith to examine my hardship application. My husband 's XXXX is in remission and he is working again. All we want is some forward movement on this so we can resume paying our obligation and keep our house. We have remained current on our XXXX mortgage and just want to get this resolved without feeling like they are stalling or trying to do something underhanded. Please help.
Product: Credit card or prepaid card

Hi I got XXXX XX/XX/XXXX, I had my XXXX XXXX in a hotel room where all my belongings were got stolen. When I was XXXX  from XXXX  XX/XX/XXXX I decided to order a new card for myself so I could possibly access my funds, I was able to log on to my online banking and seen that over {$16000.00} was taken from my XXXX I call B Of A and I filed a claim over a month ago and I haven't heard anything back from them. I really need help getting the money that was stolen from me. I have documents that prove I was XXXX  if needed.
Product: Credit card or prepaid card

Ashley Furniture HomeStores/SYNCBis u nder violation of the law, according to the letter from a previous dispute. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the c
onsumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.

The term affiliate means any company that controls, is controlled by, or is under common control with another company.

Ashley Furniture HomeStores/SYNCB states in the letter that the account was charged off and placed with XXXX XXXX XXXX XXXX XX/XX/2021. 

Ashley Furniture HomeStores/SYNCB later states in the letter that the debt has not been

discharged. This is unfair and inaccurate reporting.
The debt should not be showing as " charged-off '' on my consumer report.

Subsequently, creditors are obligated by law to report fairly and accurately to the consumer agencies under the FCRA.

" We will continue to report the status of your account to credit bureaus '' " Since Synchrony Bank has not discharged this debt, a Form 1099-C has not been issued. " SYNCB completely disregards the law from the IRS and the FCRA.

Please remove this account as being " charged-off '' from my consumer report.

SYNCB has an obligation to follow policies and procedures under the FCRA. The letter shows that the communication to XXXX XXXX XXXX, that they are in clear violation of FCRA and uses unfair debt collection practices.
Product: Debt collection

On XX/XX/XXXX I contacted XXXX the branch manager at XXXX XXXX to attempt to refinance my auto loan with her, she took my application and informed me that she would get back with me, after a week had gone by with no return phone call, then I called her back and she avoided my phone calls for 3 days straight. On XX/XX/XXXX I decided to call a different loan place to refinance my auto loan with at XXXX XXXX XXXX, I had given XXXX at XXXX XXXX permission to give XXXX XXXX XXXX my current payoff while I was on a conference call with them, XXXX At XXXX XXXX then called back asking why I was moving my auto loan somewhere else and I informed her that I needed to refinance because I needed some additional money for vacation, she waited until this morning on XX/XX/XXXX and called XXXXXXXX XXXX XXXX back and wanted to speak with the branch manager there to disclose my payment history with them and went on to inform them that I had 5 returned checks since XX/XX/XXXX and 4 additional returned checks since then, so the branch manager from XXXXXXXX XXXX XXXX  called me right away to inform me that XXXX from XXXX XXXX was calling them and giving them information that neither they had even asked for due to privacy nor had I given XXXX at XXXX XXXX to disclose. I immediately contacted the corporate office of XXXX XXXX to find out why they allowed their branch manager to disclose personal information on me that I did not give permission to do and they had a District Manager by the name of XXXX XXXX call me, but he said it was not against any of my rights or laws for XXXX from XXXX XXXX to call XXXX XXXX XXXXXXXX disclosing my payment history and personal information, but I work at a Finance company as well and it violates my rights and we are not allowed to disclose anything to another creditor, especially to call them back just to make me look bad to the new loan company to keep them from doing my loan. I want something done about this and I want to be notified or if you can refer me to who I need to contact besides their corporate office or district manager because they are taking up for each other and I have all the proof and the branch manager as a witness from the new loan company. Thank you so much for your assistance in this!
Product: Credit reporting or other personal consumer reports

Good day. There's inquiries on my credit report that I don't recognize, I did not authorize this nor given consent to these companies to pull up my credit report. It is stressing me and making me anxious on why and how this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices 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 these companies : 1 ) PORTFOLIO ( XXXX XXXX  ) ACCT # XXXX ATTACHED LETTER 2 ) XXXX XXXX ( XXXX XXXX XXXX   ) ACCT # XXXX ATTACHED LETTER 2 ) XXXX XXXX XXXX ( XXXX XXXX XXXX ) ACCT # XXXX ATTACHED LETTER This month the FTC, and XXXX XXXX XXXX XXXX have announce Nationwide Crackdown on Abusive Debt Collection Companies. 
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). 
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. 
In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the XXXX for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. 
Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
Product: Credit card

I reported an unauthorized charge on my personal credit card with the Bank of America on XX/XX/year>. This charge was a toll related in the amount of {$22.00}. I provided proof of innocence including video and document. I received credit and requested a new card to avoid future fraudulent charges. However, my new credit card was again charged with a new toll from the same vendor. I reported it to the credit card company, and I was told that it was the " Credit Card Updater '' that automatically releases my new card information to the same scammer, that's why I would continue to have the same problems. I demanded a " stop payment '' to this scammer and got another new credit card replacement. On XX/XX/year> and XX/XX/year>, my business credit card had fraudulent charges from a scammer called " XXXX ''. I reported it to the credit card company and got a new replacement card. Then again on XX/XX/year>, the same scammer made another charge on my newly replaced card. After talking to the bank, I was told it was the " Credit Card Updater '' that gave away my new card information to the scammers!!! I was told there is nothing they can do about the " Credit Card Updater '', but to make " stop payment '' and again, a new replaced card. The complaint is about this " Credit Card Updater '' should NEVER give away my new financial information to a third party, especially if frauds were reported. My privacy should be PROTECTED. I can update my own new credit card information to other legit vendors. I should be able to STOP the credit card updater to release my new card information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 1681s-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. secondly, I have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 
Incorrect credit reporting, I have an account that is not correctly reported. 
Account Name : XXXX XXXX Account number : XXXX You have this account balance as {$1400.00} but the current account balance is {$3.00}
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. 



1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove this inaccurate information from my credit report. 

2. XXXX XXXX Account Number : XXXX 3. XXXX XXXX Account Number : XXXX 4. XXXX XXXX Account Number : XXXX 5.XXXX XXXX Account Number : XXXX 6. XXXX XXXX Account Number : XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. 



PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX OR XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting or other personal consumer reports

I DO NOT AND WILL NOT ACCEPT THE LACK OF EFFORT NOR ACCEPT A RESPONSE OF EXTENSION OF DAYS NOR WILL I ACCEPT A DUPLICATED REQUEST! THIS IS NOT A DUPLICATE! THIS IS FINAL NOTICE TO SEEK LITIGATION FOR PERSONAL DAMAGES INFLICTED UPON MY IIFE WITH HARDSHIPS AND WILL RECOUP ALL THE YEARS OF NEGLECT! YOU HAVE MADE THE MONEY BY SELLING TO COLLECTION AGENCYS! THIS IS 15 DAYS TO RESPOND! NO MORE EXTENSIONS NO MORE TIME. THIS IS FINAL DEAMND TO DELETE ALL COLLECTIONS, LATE payments and all factors that XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

I. On the day of XX/XX/2023 I downloaded the payoff quote from my Hyundai motor finance online account for the total amount of {$25000.00} including the {$3.00} per deem charge. 

XXXX. Next day, XX/XX/XXXX I paid off the total payoff quote on my account selling my car to the XXXX XXXX XXXXXXXX located XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX for the amount of {$20000.00} and paying them the surplus of {$4900.00} for the total amount of {$25000.00}. 

XXXX. Even though I paid my total debt with Hyundai motor finance on XX/XX/XXXX I got deducted from my XXXX XXXX XXXXXXXX account what used to be my monthly payment of {$500.00} and this is not even reflected on my payment history and wasnt either refunded. 

IV. The Balance Amount for the XX/XX/2023 was for {$25000.00} and my payment for {$25000.00} was reflected on the Hyundai Finance online account for the XX/XX/2023. Regarding this payment I have serial questions : a. Why if the payment was for a total amount of {$25000.00} to the principal account went just a total amount of {$25000.00}? 
b. Why is Hyundai motor finance charging me {$15.00} for NSF? 
c. If {$25000.00} minus {$25000.00} plus ( - {$110.00} ) of interest, plus ( - {$15.00} ) of NSF equals {$480.00}, why is Hyundai motor finance charging me as payoff quote those {$480.00} when they actually owe me that money? 

V. Since I paid off my total balance, I have been trying to contact Hyundai motor finance customer service phone number multiple times trying to get an explanation on why the credit report stills showing up my XXXX XXXXXXXX debt and why now I have a new payoff quote. 

I tried to contacted them and explained this whole situation 6 times already, and sent them a physical letter on the XXXX of XXXX to the Hyundai Motor Finance XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, according to their website asking them for : I. Please remove the payoff charge of {$480.00} XXXX. Please issue me a refund for the {$500.00} deducted on the auto payment on XX/XX/XXXXXXXX XXXX XXXX 
XXXX. Please close my account after is proved I owe you nothing. 
IV. Please contact me or reply to me through a formal way.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Eperian, alleging systemic issues such a as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
These are the accounts listed as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under account number XXXX, XXXX XXXX under account number XXXX and XXXX & XXXX I under account number XXXX. I believe this account is either inaccurately reported or should not be reported at all.
Product: Debt collection

XXXX XXXX XXXX has appeared on my credit report with a debt of {$820.00}. I have requested proof of this debt from them, but I have not received any response. I have tried reaching out multiple times, but no one has been able to provide me with accurate details regarding this account. I would like them to send me a copy of the agreement that includes my signature, clearly stating that I owe this money. I am asking for assistance in resolving this matter as I have not received any response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX on XX/XX/2023 about account # XXXX with XXXX  XXXX XXXX I ask her to send me the Original Debt Documents she informed me that she did not have them so I am asking that Source Receivables Manag remove it from my Credit it has no date of the Original date the Amount of the Debt is {$2400.00}
Product: Mortgage

In XX/XX/XXXX  I refinanced my home changing my mortgage company from PennyMac LLC to XXXX XXXX XXXX. 

PennyMac LLC produced a payoff letter XXXX XX/XX/2024 ( XXXX  ). 
XXXX XXXX XXXX paid the payoff amount on XXXX XX/XX/2024 ( XXXX ). 
PennyMac LLC product a Paid-In-Full letter XXXX XX/XX/2024 ( XXXX  ). 

On XXXX XX/XX/2024 PennyMac LLC tried to deduct another payment from my personal account which was rejected by both my financial instituation. 

Starting XX/XX/2024, PennyMac LLC started sending letters to me that I still owed them money although when logged into their account in XXXX, my account shows {$0.00} balance ( XXXX  ). 

Starting XX/XX/2024, PennyMac LLC has now been sending me letters, calling, and have changed my online account to annotate that I now owe them a payment for XX/XX/2024 and XX/XX/2024 even though the loan has been paid. They are furthermore starting to send me notices that my VA eligibility will come into question due to the delinquency of my loan since it was a VA funded loan. They has been over 4 hours of phone conversations with multiple people in their company who all claim that they have no ability to help it but provide no support to connect the appropriate level of supervisor. As of XXXX XX/XX/2024, both myself and my representative from XXXX XXXX XXXX called the company on a recorded conference call which lasted over 90 minutes that 3 different representatives validated that my loan had been appropriately paid, on time, in the full amount and was fully paid off but didn't know why I was still being charged but could not provide support to fix it. The call was transferred to the point that the company said they could not do anything and would have to further " escalate '' it and would reach out to me in a few days. 

This morning, XXXX XX/XX/2024, I have received a notice from PennyMac LLC that they have placed a new payoff document in my file to close out the loan ( XXXX  ), trying to say I owe them more money after we have multiple personnel from their company already identifying that I already paid off the loan in XX/XX/2024 on the recorded line from PennyMac LLC and the recorded line from XXXX XXXX XXXX. 

There is a concern they are targeting me for additional money and using the threat of it effecting my credit and VA eligiblity standing as a forcing function to get more money from me after already receiving a closed out loan.