23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Third-party debt collector, Credence, has repeatedly sent me mail claiming that I owe an alleged debt. I am requesting that you show that I owe this debt that you are claiming I owe by providing me with the original signed contract, the chain of title, your XXXX XXXX XXXX insurance policy number, as well as your audit trail. Please do not send me an itemized statement back without providing the following information below because that is not what is accepted when it comes to validation of debt according to 12 CFR 1006.34. If you are not able to provide me the orginial signed contract, chain of title, your XXXX XXXX XXXX policy number, audit trail, or the following information, I have listed below- I am demanding immediate deletion and XXXX out of this alleged debt. 


( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.

( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).

( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.

( ii ) The consumer 's name and mailing address.

( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.

( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.

( v ) The name of the creditor to whom the debt currently is owed.

( vi ) The itemization date.

( vii ) The amount of the debt on the itemization date.

( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. 

( ix ) The current amount of the debt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Midland Credit Management , INC, filed a lawsuit in the XXXX XXXX XXXX, XXXX Ohio on XX/XX/2023 for the amount of {$1300.00} against me. I never gave this company my personal data and I have no clue who these people are, they have stolen and used my data and made it public. I have never spoken to anyone or authorize or had an agreement with Midland Credit Management , Inc, this is unlawful and it is identity thief also. They have hired a law firm and filed a claim against me, it's against the FDCPA to hire an attorney and is false representation. The Attorneys names are XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX attorneys for the plaintiffs. 

Case # XXXX
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Account number : XXXX Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Dear ( Debt Collector ) 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 : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. 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 XXXX 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: Debt collection

1. Delta Management began calling me at my work number, demanding I provide PII ( personal identifying information ). I repeatedly refused, as they would not provide their purpose or authorization to possess such information. Later I went to their website, and seeing they are a debt collector, I feared I must have been a victim of identity theft or mistaken identity. 

2. Delta Management faxed my employer, demanding they confirm salary information for a XXXX XXXX. 

3. Delta continued calling me at my work number. I avoided their calls, but read up on how to handle debt collectors. My credit report is clean, which implied I was n't the victim of identity theft. I froze my credit. I am certain I have no delinquent debt ( all reported debt on my credit statement is as expected ). 

3. Finally, I called back the number they left and recorded our call. They said they would not continue to call me. 

4. A month later, Delta sent my employer a letter demanding they garnish my wages. This time they reveal the SSN and address of the debtor. The SSN and address are not and never were mine.
Product: Credit card

I was a victim of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prior to me being XXXX XXXX XXXX XXXX XXXX with police officers, my ex-husband stole my wallet as a way to retaliate against me leaving him. I immediately called the credit card ( XXXX and Chase ) companies on XX/XX/2022 to make them aware of the situation and to freeze my accounts. My ex-husband then proceeded to hack into my accounts and unfreeze my credit cards and spend thousands of dollars using my credit cards which I did not authorize. I filed multiple police reports regarding the fraudulent charges, yet am still being harassed by debt collectors despite in the divorce it was ruled that I would not be held responsible for the debts that my ex-husband charged on my accounts.
Product: Credit card

I requested a credit line increase on XXXX/XXXX/2016 and requested repeatedly that credit not be pulled numerous times during call and the representative agreed. I checked with my monitoring service and the next day and there was an inquiry on my XXXX credit bureau report from this bank. I have made calls over the past 7 weeks and spoke with XXXX-XXXX supervisors and no one has been able to help me. I was called by a supervisor named XXXX or XXXX that informed me that the inquiry would be removed. It was not removed. I spoke a female supervisor on XXXX/XXXX/2016 and she submitted the request to the department that took care of those matters. I spoke back with several supervisors this week and I am still not able to resolve the unauthorized inquiry that appears on my XXXX credit report dated XXXX/XXXX/2016 after being told by a supervisor on an outbound call to me that it would be removed in 45-60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. The credit bureaus failed to do a proper investigation and just stated the accounts were verified, I'm not sure how this process works but I would like someone to look further into this matter.
Product: Credit reporting or other personal consumer reports

Experian is the worst reporting agency I have ever tried to deal with, you can not get a hold of anyone over the phone, disputes never get resolved, incorrect reporting, terrible service terrible customer support, needs to be shut down and removed as a reporting agency
Product: Money transfer, virtual currency, or money service

Dear Sir or Madam, My name is XXXX XXXX. I am from XXXX ( I made a XXXX transfer from my bank in XXXX to a bank in the XXXX for a car purchasing. All payment details are attached below : Reference ( XXXX ) XXXX Date ( XXXX ) XXXX Amount USD XXXX XXXX Sender ( XXXX ) XXXX XXXX XXXX Sender 's Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX Beneficiary 's Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Beneficiary ( XXXX ) XXXX XXXX XXXX XXXX XXXX Payment Details ( XXXX ) PURCHASE OF COMMODITIES. 
Fee Type ( XXXX ) OUR XXXX XXXXXXXX XXXX : XXXX I sent the payment order to my bank ( XXXXXXXX XXXX  XXXX license No. XXXX dated XX/XX/XXXX ) on XX/XX/XXXX in favor of the seller for the XXXX XXXX XXXX which I intend to buy in XXXX, XXXX. I would like to add that my seller ( XXXX XXXX XXXXXXXX XXXX ) is the company with an excellent reputation and many years of experience in the sale of cars. Later XXXXXXXX XXXX asked me to provide documents confirming the origin of funds, as well as all data on the transaction. Then on XX/XX/XXXX XXXXXXXX XXXX informed me that all documents are fine, the payment was executed and left the bank. 

Further, a few days later, my bank informed me that the payment had reached the correspondent bank Bank of America N.A. and advised me to wait for processing. A few days later, I wrote several letters to the bank of America and did not receive a response from them. After about 2 weeks, I initiated a request from my bank to search for a payment and for information on it, but I was informed that the Bank of America does not respond to letters in any way. I have already submitted several requests through my bank, as well as through the recipient 's bank. There is no response from Bank of America. 
At the moment, the waiting time for payment is almost 3 months and I am in complete ignorance. Please help me. 

my contacts for communication phone XXXX e-mail XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inaccurate information continues to appear on my credit report despite multiple attempts to have it corrected. I am filing this complaint against TransUnion, XXXX, and XXXX because they have failed to address these inaccuracies in compliance with the Fair Credit Reporting Act ( FCRA ).

The credit bureaus have violated the FCRA in the following ways : FCRA Section 1681c ( Exclusion of Information After Specific Periods ) Outdated information is still being reported on my credit file when it should have been removed based on the legally required timeframes.

FCRA Section 1681i ( a ) ( 1 ) ( A ) ( Reinvestigation of Disputed Information ) The credit bureaus have failed to properly reinvestigate the disputed items and did not provide adequate documentation to support the continued reporting of this information.

FCRA Section 1681e ( b ) ( Accuracy of Information ) The credit reporting agencies did not follow reasonable procedures to ensure the maximum possible accuracy of the information on my credit report. 

I am requesting that the CFPB investigate these violations and ensure that TransUnion, XXXX, and XXXX comply with the FCRA by removing the inaccurate information and addressing the procedural failures described above.
Product: Payday loan, title loan, or personal loan

In all of 2021 I got marketing advertisement mails from XXXX XXXX XXXX local office where I live. I ignored it until I found out they made an unsolicitied inquiry on my transunion credit report on : XX/XX/2021 & XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, ID XXXX XXXX I contacted them to ask where they got my personal information and why did they run an inquiry on my transunion report. They told me that the only way they run an inquiry on credit report is when someone applies for a loan. I told them that I did not apply for a loan. They transferred me to the fraud department. The fraud department mailed me an affidavit to fax them.
Product: Mortgage

My mortgage balance is {$120000.00}. My mortgage company does not allow make partial payments through the month, which makes it very difficult to keep up with one huge payment. There is no chat button and the only way to contact them is to call them. The last time I called them ( XX/XX/year> ) I spoke with a woman named XXXX. She told me she was the only XXXX at the company. I told her that we were having trouble with paying the mortgage. She did not offer me the mortgage assistance program, but instead said that they will be starting the forclosure process after 90 days. I said that " ok, I guess I will do what I need to do '' and meant that I would try to satisfy the outstanding balance. She responded " AND SO WILL WE!! '' She was referring to foreclosing on us. Not being able to pay my bills is already stressful enough for us, I don't need their employees threatening me!!!! Since then, I applied on their website for mortgage assistance three days ago. It said " pending '' on the first day. Today, it has disappeared completely as if I never applied. I have not received any notification from them about the application. I am afraid to call them to ask about it as the last time called, I hung up and cried for a few hours. I don't have the energy to call them and go through that bullying again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report fraudulent information on my credit report. Upon talking to XXXX supervisor XXXX  XXXX officer of consumer, I explained the original creditor XXXX XXXX XXXX was reporting two different amounts, on two different credit reports for the same services, but using false information as the original creditor, which was XXXX and XXXX XXXX XXXX, XXXX. They also used two different amounts for the same services, which was removed from my XXXX and XXXX report. Since the disputes have been removed from those two reports, they have recently sold the account again to XXXX XXXX, which they decided not to follow through with the account. Documentation and proof of false information being reported by XXXX XXXX XXXX and XXXX XXXX XXXX has been attached. XXXX XXXX also violated my HIPAA rights by providing XXXX XXXX XXXX an itemized bill with personal information on there with services that were not provided to me ( which is attached ). XXXX XXXX XXXX were not able to provide me a HIPAA release that released my medical information to them. The itemized bill listed fraudulent services.
Product: Checking or savings account

This madness has been going on a while with this bank! Constant fraud alerts text to me, having to file claims for transactions, they apply debits and credits knowing when I get DD and when I dont whenever they want, they charge me fees for their error, then credit me the fee. After that if I ask for a credit for a fee Im told I have to many credits for fees. It is constant double talk and doing what they want with my account. Today I see I am being charged for ATM cash withdrawal and a fee for that. How did I withdraw the cash if it wasnt there? A supervisor XXXX told me they will let me withdraw money at their discretion. I asked her three times, she said the same thing. Still does not make sense. I also see a charge for a lawyer service today. I explained to XXXX I have a receipt from the merchant that it was paid XX/XX/21 today is the XXXX. She said that transaction was never on hold or shown to transact. I reminded her of the receipt. She said she didnt know why. She reminded me that I have to pay these charges. Something is fishy here. Always has been with this bank. Now Im faced with over {$400.00} in charges that have to be cleared by XXXX XXXX  tonight or I will get more fees. Something is not right can you please help.
Product: Checking or savings account

Bank of America closed my checking account around XXXX XXXX. The bank withdrew the remaining {$14000.00} in my account on XX/XX/XXXX. But only sent me a check for {$8400.00}, and the remaining {$6000.00} has not been given to me yet. Bank of America told me that the funds are still under review and could not provide an estimated completion date for the review.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX [ XX/XX/XXXX ] I am writing to formally dispute the reporting of the charge-off account associated with Account XXXX on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ), and 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ), I am entitled to request and receive complete and accurate documentation to verify the accuracy and l egality of this accounts reporting. Additionally, under [ Your State ] l aw, I am requesting proper validation of this debt. 
I would like to highlight several cases that affirm my right to dispute this i nformation and request accurate reporting. In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), the court emphasized the duty of credit reporting agencies and furnishers to ensure the accuracy of the information reported on consumers ' credit reports. Furthermore, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX. XXXX ) reinforces the requirement that furnishers conduct proper investigations into disputes and verify the accuracy of their reporting. 
To properly validate this account, I am requesting the following : 1. Authenticated Double-Entry Accounting Records
Product: Mortgage

My Wife and I attempted to refinance our current mortgage with our current mortgage company that had recently purchased our mortgage. From the beginning our loan officer thought there was a income issue and wanted to have underwriting review the income before ordering a appraisal. We sent in all requested documentation to the loan officer and began looking at different loan options. After 5 weeks we were informed that we were clear to get the appraisal. We paid our loan officer directly for the appraisal which we though was odd. The appraisal came back a little lower than expected which wouldn't allow us to pay certain debts off in a cash out refinance to meet our needed debt to income ratio. We advised our loan officer we could pay those debts out of pocket and with that he sent us a new XXXX cash out refinance offer which we signed. We asked our loan officer should we pay debts off now or would it need to be done at closing? The loan officer replied let me get with underwriting and he would get back us. After week of 0 communication, our loan officer responded to email my wife wrote stating that the company was unable to approve us because my income was part commission. We than asked if commission is unacceptable and you reviewed our income information with underwriting, why did you order and charge us for appraisal? We advised that we felt there should have never been appraisal if commission income is unacceptable, we want our appraisal money back. To date the company has refused to refund the appraisal fee. We have also made a complaint with the XXXX XXXX XXXX and the company still refuses to refund the appraisal. We are very concerned they ordered this appraisal to gather information about the property. Another concern is that if our income didn't qualify for the a new loan at a much lower payment how do we qualify for the we have now? Hopefully they won't use the information against us. We would like appraisal fee refunded the company had no reason to appraise our house if the income was unacceptable.