23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have disputed this debt numerous times. I sent XXXX XXXX a validation letter and never received any of the information I asked for in the letter to validate the debt. Also, while the debt is in dispute XXXX XXXX has broken the law. Disputed information is not to be reported while in dispute on credit report and this collection agency has put negative information on my credit report with out validation nor have they responded to my request of validation. I sent this letter to XXXX XXXX : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

No one should have to be subject to this humiliation especially when it is a unknown account and possible identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of several accounts and inquiries from my credit report. I am a victim of identity theft resulting from a data breach and am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these fraudulent accounts and inquiries removed. 
Accounts to Be Blocked and Deleted : 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 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 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 XXXXXX/XX/XXXX
Product: Debt collection

I requested the following documentation as stated below directly from GM FINANCIAL. On XX/XX/2021, I received a response. A copy has been provided. I have also included a copy of the letter I sent GM FINANCIAL. They failed to send me the requested copies of the documents that are required by law. 
***************************************************************** Under the laws of the State of Texas UCC statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

Please provide proof that the repossession of the subject vehicle was legal in accordance with the following State of Texas UCC : 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL Since no proof was submitted, this claim of a deficiency is null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Product: Credit reporting or other personal consumer reports

In the course of reviewing my credit report, I spotted an erroneous and unverified account that needs reporting and correction through your company.
Product: Debt collection

My name is XXXX XXXX XXXX, I am XXXX  XXXX at XXXX Hospital, I have Insurance with XXXX for few year. Last year XX/XX/2018 I had a medical condition and was admitted for few hours in Emergency Department. 
Few weeks after a paid hospital bill and everything was fine but two week ago in the process for buy my house after wait 5 year and with perfect credit score over 800.  The bank communicated with me because I have a debt in collections and my credit score is too low around 600. I Communicated with collections and my insurance and the problem was that XXXX XXXX XXXX XXXX, never sent bill to my insurance and never sent bill to me. 
But the worse for me is that despite to pay 20 % of my house loan, my bank give to me HFA and now I will pay XXXX dollars for month for 11 years for mortgage protection, total of XXXX dollars more due to XXXX XXXX XXXX XXXX sent medical bill and damage my credit score. This is an unfair practice.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system users vulnerable to scams.
Product: Debt collection

A debt of {$820.00} has been listed with the collection agency XXXX for the company XXXX. I have requested a notification of debt twice with no response from them. They never notified me of placing me into collections by phone call, email, or letter. I found out I was placed in collections after I made a phone call to them to verify my line of credit for a purchase. Now, on XX/XX/ I received an email notifying me that this debt of {$820.00} was sold to another collection agency : Atlantic Recovery Solutions as a sneaky way to avoid my requests. 
Collectors can not report a debt to a credit bureau before they contact me. Rather than XXXX verifying the information of this debt they sold this to another company as a passive collection tactic! Regulation F prohibits this, collectors have to contact me before they place an account on my credit report. I made payments up to the time when I placed a call to this company. I demand a letter that verifies the date this account was opened, the payments made, the day I was placed in collections, and why. Otherwise, please remove the account from my credit report as a violation of Regulation F. The information collectors must supply to debtors can only come from the original creditor.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have received a copy on my consumer reports and I notice you have furnished transactions on my consumer report that are excluded by law as per the FCRA 15 USC 1681a 2Ai.
Product: Credit card or prepaid card

I know within the last 6 years credit karma advertised to me a guaranteed approval but it was a lie. I caused my credit score to be impacted.
Product: Checking or savings account

I've been with Wells Fargo since XXXX  every since I started with him I've had issues they overcharged me for everything and the fees are outrageous or something needs to be done about this thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX Balance {$0.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly Delete this wrong account. 

XXXXXXXX XXXX XXXX  XXXX Balance {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$540.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXXXXXX Balance {$810.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX XXXX XXXXXXXX Balance {$750.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.
Product: Debt collection

I owed {$160.00} to XXXX XXXX in XXXX Texas. It was sent to Optimum Outcomes for collection. The insurance finally got worked out and paid me so I immediately paid XXXX XXXX with my debit card. I 've sent proof of this with the payment receipt transaction number from the hospital to Optimum Outcomes but they continue to send me collection letters and will not remove the item from my credit reports.
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XXXX/XXXX/2015 on TRANSUNION credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind accounts. No knowledge account. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information. I have enclosed a copy of my credit report and circled the fraudulent items on the report. I appreciate your prompt attention to this matter. Please send me a letter after you have blocked the information from my credit report and sent notice to the businesses involved. 
XXXX XXXX XXXX XXXX XXXXXXXX **** Not my account. Please delete. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Not my account. Please delete. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Not my account. Please delete. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Not my account. Please delete. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Not my account. Please deleteXXXX XXXX XXXX XXXX XXXX XXXXXXXX Not mine account. Please delete.
Product: Credit reporting

I have disputed twice already and they have not provide me with any information neither the creditors are able to provide me with verification. This accounst must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts reporting on my credit report is inaccurate and don't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning XX/XX/2023 I have sent Experian several disputes at least XXXX regarding incorrect late payments on my accounts for capital XXXX and self/lead. I have either received no answer, a stall letter, or a letter, stating that the information on my credit report is accurate. Its clear that they dont want to do their job because on the last letter I sent out which was XX/XX/2023. They sent me a response via email on today XX/XX/2023 with another stall letter, stating that they do not believe that I am the one repairing my credit. I am most definitely the only person working to correct the inaccuracies or my credit, Im tired of them not wanting to do whats right. I will include every dispute letter. I have sent them with dates included so that you guys are able to see that I have been trying to do this without going over their head. The inaccuracies needs to be removed as soon as possible as well as them sending out a payment of {$1000.00} because of their unwillingness to do their job in a timely fashion.
Product: Credit reporting or other personal consumer reports

hello I have tried to remedy the fact that national credit systems has been reporting the history of my credit extension which 1 understand by law is illegal without my written consent. I have never provided consent to national credit systems to supply this information. of course in my attempts to correct this have been ignored and refused of my rights. here is the law that l 've quoted for your and there reference for the matter at hand please help me to have them comply with fed regulations. 

15 USC 1681 section 501 which states that I have the right to privacy - furthermore 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not fumnish an account without my written instructions pursuant to 15 US 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by the section 1637B of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave you or the above listed creditors any written instructions to furnish any information on my consumer report which is a violation of 15 USC 1681B credit report an agency caused severe stress and anxiety due to the abusive and unfair practices.
Product: Debt collection

The collection activities violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C 1692 ( c ) and other applicable laws.

Per Fair Credit Reporting Act ( FCRA ) ( 15 u.s.c. 1681, I have a right to sue ALL creditors for negligence and willful noncompliance.

These credit company is also illegal report an account that is not verified. The creditor has insufficient information and have no original address on file, no original contract, phone number, copy of a valid driver license or identification card, social security card, or a valid signature signed contract for these alleged accounts. 

I have requested the information be mailed to me to my home address. These companies refuse to mail information to me. The are mailing my personal information to fraudulent addresses : XXXX XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX, Oh XXXX I have never had any affiliation with these addresses. 

XXXX XXXX is report an unverified social security number, address, phone number, and name. None of the information matches my personal information. 

When asked to provide documentation the company has declined. Therefore the account shall be removed from immediately from consumer credit files. 

ALL companies listed are in violation of consumer rights Per Fair Credit Reporting Act ( FCRA ) ( 15 ) U.S.C. 1681, 611 - 15 U.S.C 1681 B ( li ) ( 7 ).

I dispute the validity of the debt, and as such, I demand that ALL creditors listed cease any attempts to collect on the alleged debt. Please consider this letter as a formal notice under the FDCPA, and any further communication on this matter will be considered a violation of my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX Navy Federal Credit Union 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
Product: Mortgage

I have two mortgage 's with two different companies, one has been fine while the other ( Citizens One Home Loans ) has continuous issues with billing and payment processing. The most recent incident was frustrating because I received the statement for my XX/XX/XXXX payment, I paid the payment as billed, but in progress the company changed the payment amount for the month of XXXX XXXX payment which was already billed and paid. They received my payment check, cashed it, but never applied it to my loan. Subsequently, after the payment due date I'd received another bill for the XX/XX/XXXX payment due with a different payment amount. The new bill didn't reflect the payment I had already made, so I checked their website. The website reflected the money I sent as received, but not appied to my account. I was being held in a suspense account. I called to inquire and they said that because it wasn't sufficient to cover the newly billed amount they couldn't process the partial payment. 

I called regarding the issue after 2 hours I was advides the company would not apply the payment as of the date they received funds which I feel unfairly allowed them to hold my money and continue to charge me interest on a higher principal amount for a period of time as result. 

I feel it was also confusing that they send new statements for the same due date as previously billed having a different payment amount, I would think that if a change was needed it should have been effective the following month which had not yet been billed or paid. Neither the statement or the website reflected that I owed only the difference from the amount I'd already paid and the new statemented amount. Neither the statement or the website explained why the payment I'd already made was being held in this suspence state. 

I feel their practices are deceptive and unfair to the consumer. My second mortage company sends clear communications and consistent billing, while this company is sending me different statements every over other week without clear communication of why.
Product: Mortgage

I Cancel the Auto Payment before XX/XX/2023. Select Portfolio Servicing made unauthorized withdrawal on my personal checking account of amount {$5200.00} and i call my bank to stop payment which result me a {$30.00} stop payment fee on XX/XX/2023. 
same day XX/XX/2023 Sps called me XXXX asking when will i pay my mortgage.I said i already made a partial Payment of {$2000.00} because im taking Advance of Notice XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX that i can make a partial payment But SPS DOESN'T acknowledge the notice. I send the Notice of XXXX XXXX along with my {$2000.00} Check payment and SPS accept the payment but Didn't apply it to my Monthly payment instead SPS send me a notice.
Product: Money transfer, virtual currency, or money service

I've.treid what I've believed to be every thing that the company XXXX XXXX asked for to no avail the company gave me the runaround .form one person to another it was always something else .never got the.honest answer form any of the agents at both levels.it started XX/XX/2018 till XXXX. Of XXXX. The amount of money can form military and Social security disability.for the amount of XXXX dollars I was denied recompense because they said they never received the paper work that was asked of me I have record of dates and times I submitted the ivedest of my complant.sencerly XXXX XXXX XXXX. Phone number ( XXXX ) XXXX or ( XXXX ) XXXX thank you for your serves.