23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Request for Original Signed Contract Debt Collectors Name Company Address Account number Your name Dear Debt Collectors Name This letter serves as a formal request for the validation of the alleged debt you claim I owe under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws. Specifically, I am requesting : 1. A copy of the original debt agreement containing my wet-ink signature that explicitly outlines the terms of the alleged debt.

2. Documentation that verifies your legal right to collect this debt, including the chain of custody or sale agreement demonstrating how you acquired my information.

3. Evidence of my explicit permission for my personal and financial information to be sold or transferred to third parties. 



Without these items, your continued collection efforts are unwarranted and could be considered a violation of my rights under federal law. Furthermore, reselling this debt without my consent could breach consumer protection statutes regarding privacy and data security. 



If you can not provide the requested documentation, you are legally required to : Cease all collection activity immediately, and Permanently delete and cease using any personal information related to this account. 



Failure to comply with this request will result in formal complaints filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state attorney generals office. Additionally, I reserve the right to pursue legal remedies under the FDCPA, including claims for damages and attorney fees. 



I expect a written response within 30 days of your receipt of this letter. Your failure to respond with the required documentation will be taken as evidence of your inability to validate the debt and your noncompliance with federal and state laws. 



Thank you for your prompt attention to this matter
Product: Mortgage

On XX/XX/XXXX I received a mortgage loan from TIAA Bank ( at the time the name of this bank was Everbank ) for a total of {$350000.00}. On a monthly basis I paid a total of {$2400.00}, never missing a payment. On XX/XX/XXXX I sold this home and upon the deal closing on this date, paid the remaining remaining {$310000.00} of the loan to TIAA Bank. Since that date, XXXX has continued to debit my account for {$2400.00} on a monthly basis totaling {$52000.00} as of today, XX/XX/XXXX. I first contacted TIAA bank to resolve the issue on XX/XX/XXXX. Despite being told that this issue was resolved and I would be receiving a refund, it has still not been resolved and my account continues to be debited on a monthly basis. I have continued to try and contact the company to resolve this issue to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX PARAMT REC ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 instruction.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXXXX/XX/year>
Product: Mortgage

In XX/XX/2018, I became unemployed. I immediately began looking for a new job, but by XX/XX/XXXX I realized it would take longer than I hoped. I filed for a forbearance program with my mortgage lender in XX/XX/XXXX, and was approved for XX/XX/XXXX and XX/XX/XXXX - although no one is sure why it wasn't 90 days instead of 60. Immediately there began to be problems, as one arm of the company was calling me and sending letters even in XX/XX/XXXX, saying that I was behind in my payments.

In XX/XX/XXXX, I spoke with the loan point person who said it was time to reapply for the forbearance, since the 60 days was nearing its end and I was still looking for work. I submitted my paperwork, and it was received by XX/XX/XXXX. However, no one at SunTrust actually looked at the paperwork, as I was told later that since the program was not " officially over '' meaning the program ended at the end of XX/XX/XXXX, I was supposed to have submitted my paperwork on XX/XX/XXXX. So the XX/XX/XXXX application was never looked at, even though they received it.

By the XX/XX/XXXX I was again receiving calls now saying that I was overdue for XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX, and this was also reported to my credit. I resubmitted the packet and it was approved again, and I have had a forbearance that ran through XX/XX/XXXX. 

By then I had found a new job, but it was in XXXX, Arizona, so I was looking to sell the house and move my family. But SunTrust had not only reported the month of XX/XX/XXXX as late, and then as a 60 and 90 day late, ( which they did finally admit was their mistake ) but now has reported the entire XX/XX/XXXX-XX/XX/XXXX as delinquent. I was working on a new 90-day trial loan modification, and am more than happy to fold those payments into a new loan, but I would rather sell the house, and move my family to where my new job is. But this whole thing has so decimated my credit score, that SunTrust is holding me captive, since I can not qualify for a new loan. 

And anytime you try and talk to them, they point to a different department and say " You need to call them. '' And every time you try you speak to someone else who has different information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Product: Debt collection

i wrote the company telling them i do not recall the bill nor have i ever had the this account.
Product: Credit reporting or other personal consumer reports

I have been disputing these accounts for over a year. The accounts belong to my father not me. 

XXXX {$4900.00} XXXX XXXX XXXX XXXX ) {$1200.00} XXXX XXXX XXXX XXXX XXXX ) {$540.00} XXXX XXXX  XXXX {$770.00} XXXX XXXX XXXX XXXX {$6600.00} These accounts belongs to my father.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I filed a dispute on XXXX for money stolen from my account. I got a new card issued to me and a provisional credit back. Then today XXXX, I find out that everything was denied and the money was taken from my account from the bank. I've called and went into the bank, and it seems like nobody can help me. They're taking money I've worked hard for, and now the bank is stealing my money? I need help getting my money back please.
Product: Credit reporting or other personal consumer reports

I never gave this credit card company the permission to run my credit nor did I give them permissable permission to to report the negative hard inquiry 15 us code 1681 b is the first code uniformed commerically they are violating
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I found out that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$0.00} ; CHLD SUPP VA XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent this account below has violated my rights according to 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.

Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report.Thanks
Product: Vehicle loan or lease

I took out a loan with Santander Consumer USA in XX/XX/2013 for a used XXXX XXXX XXXX. The original loan amount was around {$12000.00}. My monthly payment is {$340.00}. I have been paying this loan for six years, totaling over {$18000.00} in payments made. Almost 100 % of my payments have gone to interest because the loan balance is still almost identical to the original amount taken out in XX/XX/2013. There has been less than {$1000.00} in reduction. My payments are never applied to the principal balance. When I fell behind on a few payments due to financial hardship, I asked repeatedly for deferments or to at least lower the monthly payment. None of my requests have been granted despite my best efforts to catch up on payments. I have repeatedly told them that I cant afford the back payments, I can only afford one payment per month and have asked for them to work with me by placing the two late payments on the back-end. The only solution they ever provide is for me to let them repossess the car even after I give them a {$340.00} monthly payment. Nothing makes a difference. I am always two to three months behind and always threatened for repossession if I dont catch up. They call me everyday and call my family. They have even contacted my sisters husband, without my permission. They continue to pocket 100 % of the payments, and they refuse to waive any of the fees they add every day. I have asked for a detailed breakdown of the fees and interests but I have never been given an explanation that makes sense. It seems that they are just stealing money from me at this point. Ive tried to sell the car by trading it in but it is impossible with a debt this high. The value of the car is only about {$3000.00} or less now. The situation is out of control and I have no way to resolve it myself.
Product: Student loan

I was a student of XXXX College XXXX XXXX, XXXX, California before its closure on the XXXX of XXXX, 2015. During the course of my stay at XXXX XXXX Loans were obtained. I have been paying the monthly bills up to XXXX, 2015. 
I received a letter from University Accounting Service, LLC of the transfer of the loans, however not all the loans. Please, assist me in this situation. Are all the XXXX Loans in the Loan forbearance? Do I still continue to pay the required bills? Please, help.
Product: Credit reporting or other personal consumer reports

I tried to pay the last months rent and the rental manager XXXX XXXX XXXX at XXXX at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX Texas wrongfully charged my credit for {$5400.00}. Rental law in the state of Texas says if you try to pay the company and they refuse payment-by law they cant charge your credit. XXXX at XXXX XXXX XXXX is being investigated for fair housing violations against XXXX American military veterans. Dept of justice conf # via email.
Product: Consumer Loan

I have done business with Tower Loan in XXXX, La ( XXXX ) before, last year in fact. However, when I had issues making payments they never gave me a hard time and worked with me. I was never more than a week or two late and thankfully I ended up paying them off early. In XXXX of 2016, I took out another loan and this month following the holidays and an issue that I was settling financially I ended up being 30 days late. When the branch manager called for my payment I told her I was n't able to pay at the moment, that I could make both last month and this month 's payment in two weeks and my account would be caught up. She rudely told me that would not work and they would start a suit and she would come to my home to collect my collateral. I 've never in my life been threatened for a payment of any kind .... can they just show up at my home and file suit after being late 1 payment? My contract mentions arbitration after 'good faith ' can not be met or what not, surely that 's not referring to being being behind 1 payment in two loans you 've had with a company?
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX XXXX in XXXX XXXX, MD and was financed through Prestige ( XXXX XXXX XXXX XXXX, XXXX, UT XXXX ) in the amount of {$27000.00} when the car was 4 years old. XX/XX/XXXX I started having major mechanical troubles spending close to {$3000.00} to repair. After having all of the repairs done the car would still cut off while driving so I decided to try to trade the car in XX/XX/XXXX. When I went to the XXXX dealer the finance manager who assisted me told me that the car wasn't even worth {$5000.00} and reviewed my payments for the car and stated as of XX/XX/XXXX I have made over {$30000.00} in payments and with my 72 month loan the car should be paid off or close to being paid off. At that time my credit report indicated that I had already made 65 payments and documented once in XXXX that I had a payment over 30 days late. My payments were supposed to be {$590.00} a month. However, my account manager XXXX XXXX allowed me to make payments in the amount of {$540.00} a month plus a {$10.00} processing fee to bring my payments to {$550.00} a month. The finance manager who was helping get into the new car stated that I still had over a {$14000.00} balance which is an indication of predatory lending. He advised me that it would be in my best interest to request all of my original loan documents along with a break down of where the payments are going because he felt my interest rate had to be over 24 % which means the payments are going mostly to the bank and not the loan. He indicated that I would actually never really pay off the loan. I went ahead and purchased the new car because I needed a reliable car for my kids and I. On XX/XX/XXXX I sent a letter to prestige auto requesting they pick up the XXXX XXXX ( voluntary repo ), send me the original loan documents, and a break down of payments made so far so I can have my loan investigated. I also, asked if we could come up with a FAIR settlement because the car wasn't worth {$14000.00} and I had already paid over {$30000.00}. The finance manager stated with his calculations even with late payments and deferments I still would not owe over {$14000.00}. My 1st request was sent on XX/XX/XXXX to no avail. They finally picked up the car on XX/XX/XXXX. I sent a 2nd request on XX/XX/XXXX to follow up on my document request but to no avail. I sent both request via priority mail so I do have confirmation that both letters were delivered. I mailed everything to the P.O box address that they have listed for written correspondence. 

I requested everything sent through the mail. I do have standing cease and desist request placed on my file because they have harassing collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX - Late closed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states that I hav ea right to privacy.

15 USC 1681 SECTION 604 Section A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

XXXX XXXX previously sent me a notice advising that they were sending me a reimbursement check for improperly closing my checking account. I received the check for {$150.00} and cashed the check. 
Now I received a notice from Radius Global Solutions LLC stating that I owe XXXX XXXX $ XXXXHow is this even possible? They closed my account and sent me a check for incorrectly closing it, now they are billing me for the amount they sent me? This has to be improper practices by this banking institution and I would even go further to say they are willfully trying to get money back from the wrong they said they apologized for. Now My credit is affected and it is casing me to not be able to handle other matters because of this being improperly reported to the credit bureaus. I am being sent notices now asking for the money that they sent me. Why would they send me money only to ask for it back and do it by collections? This is against the law. 
XXXX XXXX  sent me the same notice from the same collections agency Radius Global.
Product: Credit reporting or other personal consumer reports

These accounts are not mine, I noticed them when trying to make a purchase. XXXX XXXX {$8000.00} opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$3100.00} opened XXXX. XXXX 15 u.s.c 1681 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Product: Debt collection

I do not owe this debit, I requested written validation of debit from the company and received no information.

Collection accounts was added to my credit bureau only as an attempt of intimidation and with out any notification of claimed debit as a aggressive tactics to pay a debit that is not mine.

I was notifified by my alert system Of collections 3 weeks ago In the amounts {$1200.00}, {$120.00} and other {$120.00}
Product: Credit reporting or other personal consumer reports

The ongoing presence of these fraudulent accounts on my credit report is causing significant harm to my financial standing and reputation, and I implore you to take immediate action to address this situation. 
Account Details : XXXX XXXX XXXX XXXX XXXXXXXX Regrettably, despite my diligent efforts, this account remain on my credit report, and its presence continues to adversely affect my financial well-being. This situation not only violates my rights as a consumer but also raises serious questions about the effectiveness of the credit reporting process. 
I understand that credit bureaus have a responsibility to ensure that the information they provide is accurate and up-to-date. The presence of fraudulent accounts on my credit report not only damages my financial standing but also erodes my trust in the credit reporting system as a whole.