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

To Whom It May Concern, I am writing regarding the alleged debt ( s ) appearing on my consumer report as a " charge-off. '' This communication serves as both a formal dispute under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) and a request for compliance under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ). If there are additional account details you believe pertain to this matter, I request that you provide those as well, as part of your obligation under 15 U.S.C. 1692g.

Pursuant to 15 U.S.C. 1692g, I dispute the validity of this alleged debt and demand verification. Please provide : XXXX. Proof of the original creditors claim, including a full accounting of the debt 's origin, itemized charges, fees, and dates of transactions. 
XXXX. Evidence of your legal authority to collect this debt, including an unbroken chain of assignment or sale of the debt. 
XXXX. Documentation of my liability, specifically a signed contract or agreement demonstrating my consent to the debt and its terms.

Until you can validate this debt with the required documentation, you are prohibited from any further collection activities, including reporting this debt to consumer reporting agencies, under 15 U.S.C. 1692g ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Diversified Consultants is reporting collections to my XXXX union credit report from XXXX XXXX ; Acct # XXXX, date XX/XX/2016. Cable services were transferred to a different residential address but with the same cable provider. All outstanding charges were paid to XXXX, prior transfer of services or re connection. Per a XXXX representative, this old account isnt in collections ; nor was authorized to be sent to a collection agency. Ive sent multiple requests to have this false information validated and deleted from my credit report. Diversified has  maliciously ignored my request. The next option is consulting legal action with my attorney, of this false information being report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made every single one of my payments on time. Ally misapplied one of my payments on my lease and hit my credit with a late. I called them & it showed as corrected on my account. Then it just happened again last week, despite every payment being made on time. It also shows on my account that I owe a double payment, but that payment isn't due until XXXX, which makes no sense at all. They acknowledge it's wrong, but it has devastated my XXXX  & XXXX  credit score which hasn't been corrected.
Product: Credit reporting or other personal consumer reports

Some one used my identity for a capital one credit card that i am in aware of i tried to tell the company the same thing
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX there was {$820.00} taken out of my acct.
Product: Debt collection

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX AND XXXX  XXXX were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit 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 section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never XXXX the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union is reporting an account to XXXX and XXXX that is not mine. I was not liable on this account and was only an authorized user. The account has since been closed. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.
Product: Payday loan, title loan, or personal loan

I have been denied a person loan 2 twice while having a great credit score and an income of more than $ XXXX. I feel Wells Fargo is being bias.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> i was charged {$930.00} for an XXXX trip to the XXXX i was never on. Someone found my lost wallet and used my id for the XXXX  trip. I made a police report the number is XXXX. I sent my information and poilce report to XXXX XXXX  in XXXX XXXX XXXX california. They recieved the information and takes 30 days to process the fraud report.
Product: Debt collection

I received a letter of threat that I had 15 days from the date of a letter to pay a debt or they would file suit against me in court. The company then I called and they said I had 15 days to pay or they would send me a confession of judement in order to keep this out of court. I then told them I wanted all paperwork of verification sent to me and I would make a payment of I believe {$140.00} till I could see what this was about. I never received anything but a confession of judgement. I then set up a payment plan over the phone with them and sent the papers back. I emailed them and requested through many calls to get copies of the paperwork and bills to prove the amount. Still nothing. When my payment date came up I called to make a payment they denied me that opportunity said they never reeived the signed copy of the confession of judgement and then said they had already filed the lawsuit with the court. I said you never sent me anything in the mail or called to tell me you did n't get the paperwork. They said the only thing to do is sign a consent judgement. I then had the FTC on the phone with a recorded conversation of them dening me the option to pay. And also me requesting to have the verification documents sent to me. They still did nothing. I have yet to get any verification and they went ahead and said that I denied the service papers to the court when I was never served with papers at all. I sent them a consent to judgement because they threatened me numerous times on taking my paycheck which is only {$350.00} every 2 weeks. I have never receivec any proof of the amount owed on this debt and have around 10 emails asking for the proof and them responding. With what proof to you need. I said bills transactions. They told me that it was around XXXX pages but will not send anything. I was tricked into signing papers for consents and confessions by them and this was all in a 2 month time frame. I even sent them a 20th email stating that I will pay a settlememt of {$500.00} with proof of the debt they denied a settlkement offer. This company needs to be stopped.
Product: Debt collection

I am aware that according to article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with I.C. SYSTEM, INC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. 
As of XXXX XX/XX/2024 I have not received any documentary evidence such as a trilateral contract giving I.C. SYSTEM, INC any right to collect on this alleged debt. I have never received any documentation requesting validation from I.C. SYSTEM, INC before they committed multiple violations under the FCRA & the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 USC 1692 ( d ) ( 4 ) which the FTC defines as debt parking.

If I.C. SYSTEM, INC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until I.C. SYSTEM, INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them.

If this documentary evidence can not be produced and I.C. SYSTEM, INC continues its collection efforts, I will file for litigation for actual damages caused and I.C. SYSTEM, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud.

Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f.

Your prompt attention and response are both requested and required.
Product: Student loan

My loan ( which was forgiven under XXXXXXXX XXXX XXXXXXXX ) was transferred to Ed Financials. Starting this summer, I started to call to see where my case was in terms of forgiveness. I had been given the run around until I spoke with one agent who told me that the loan would be fully discharged in early XX/XX/XXXX. As of today, I had not heard anything from Ed Financials. I have been calling for over two weeks and leaving a call back number. I finally had someone return my call only to tell me that she could not find my loan in the system, although it's still on my credit report. The call kept getting dropped, she returned call two times. I was told a supervisor would call me back - as of today, I have not heard from a supervisor. I ended up calling XXXX XXXX XXXX. I was able to get an agent who told me that he could see what was going on with my case. He told me that my loan was finally discharged on XX/XX/XXXX. It could take up to a month to reflect on my credit ; however, I am still waiting on my refund from payment I've made. I attempted to call Ed Financials again. The wait times are from XXXX to over XXXX minutes. As of today, I still have not received a call back. I would like to know the status of my refund and get a call back!
Product: Debt collection

Per the attached correspondence I received directly from US Bank, XXXX XXXX is the " Investor '' who invested into anything to incur a loss. 
XXXX XXXX is the party I should be corresponding with about any type of " loss. '' Investor : An investor is an individual ( or entity ) that takes a risk in order to realize future benefits. Such benefits are referred to as the " return '' on investment. 
What Is an Investor? 
An investor is any person or other entity ( such as a firm or mutual fund ) who commits capital with the expectation of receiving financial returns.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres credit cards in my name thats on my credit reports I want removed due to being open in my name, XXXX credit card, XXXX credit card, XXXX XXXX account Im being sent information about it might not reflect yet on my credit reports but Im being sent information about it please block this information, XXXX credit card, please delete this information in all three credit bureaus, my information is being used to open accounts in my name that Im unaware about, do not put any fraud alert on my credit reports I do not want that, and XXXX XXXX credit card
Product: Debt collection

My issue is this one : Communication has been XXXX. I have and continue to phone XXXXanagelio and Hunt daily re : XXXX XXXX XXXXXXXX XXXX debt. I only ever get as far as speaking with a receptionist. The receptionist is not my problem. My problem is that # 1 ) I have this debt that XXXX states that I should address with this law firm. 

# 2 ) I don't know which of the 3 contact people to speak with for XXXX collection accounts but the receptionist has forwarded me to all 3 at this point # 3 ) I have left daily messages and phone repeatedly but not heard back from anyone at Tanagelio and Hunt to either settle or make payments or be informed of my options # 4 ) I am told every single day by the receptionist that I will be ( should be ) phoned back by someone in the office but its been well over that time period and cant establish any contact about the debt # 5 ) Have documented with XXXX XXXX XXXXXXXX on a daily basis that I am trying to reach them but T & H will not return my calls and wont answer their phone # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX on multiple occasions has made the calls with me and documented Tanagelio and Hunt lack of response
Product: Checking or savings account

I hope this letter finds you well. I am writing to express my deep concern and seek urgent assistance regarding my Citi account, which has been unexpectedly blocked. I have been a loyal customer of Citis, and I have always maintained my account responsibly. However, recently, I encountered an issue that has caused significant inconvenience and concern. 

Account Information : - Account Holder Name : XXXX XXXX - Account Number : XXXX - Type of Account : [ Checking/Savings- XXXX XXXX : XXXX, XXXX Issue Description : On XX/XX/year>, I attempted to access my Citi account through the online banking portal and found that my account had been blocked without any prior notice or explanation. This has left me unable to perform essential transactions, including bill payments and other financial activities that rely on access to my account. 

I have not received any communication from Citi explaining the reason for this block, nor have I engaged in any activities that could warrant such an action. I have always ensured that my account is in good standing, and there have been no unauthorized transactions or suspicious activities on my end. 

Steps Taken So Far : - I have attempted to contact Citi 's customer service multiple times to resolve this issue, but I have not received a satisfactory explanation or resolution. 
- I have provided all necessary identification and verification documents as requested by customer service representatives, but my account remains blocked. 
- Despite these efforts, I have not been informed of any specific reasons for the blockage or any clear steps to rectify the situation. 

Request for Assistance : Given the urgency of this matter and the significant impact it is having on my financial activities, I kindly request the following : 1. An immediate investigation into the reasons behind the blockage of my account.

2. A clear explanation of any issues or concerns that may have led to this action.

3. Prompt steps to unblock my account and restore full access to my funds and banking services.

4. Issuance of a case number for this complaint, to ensure that there is a formal record of this issue and to facilitate follow-up communication.

I would appreciate it if this matter could be treated with the utmost priority, as it is causing substantial inconvenience and disruption to my financial planning. I am confident that this issue can be resolved swiftly with your assistance.

Thank you for your attention to this matter. I look forward to a prompt resolution and a response outlining the steps being taken to address my concerns. Please feel free to contact me at XXXX or XXXX for any further information or clarification.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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

To whom it may concern, Several months ago, I checked my credit to find that XXXX and Experian ( henceforth known as defendants ) : were reporting inaccurate information on my credit report, which puts them in violation of federal law FCRA 609. 611 and 15 U, S, C, 1692-1692p I'm requesting the CFPB office to investigate this matter to bring charges against the defendants for there violations of the Law based on the following facts : On XX/XX/2022 I sent a notarized, certified letter with a return receipt ) to defendants requesting to verify the incorrect information that is being reported by doing the following according to FCRA 609 : I. send me the copy of the originals contracts bearing my signature for each account listed ( see letter One ) 2.send me any and all other information or evidence you have on files pertaining to the accounts listed ( see letter one in attachments ) 3. Name, address. phone number and mailing address for each person involved in this investigation, The defendants had 30 day to provide this information by law On XX/XX/2022 I sent my second letter asking for the same information certified with return receipt ( see second letter attached ) defendants had 15 days to respond and provide me with my requested information by law On XXXX I sent my third letter certified with return receipt to defendants ( see attachment ) as of this letter defendants have failed to comply with the law In conclusion the defendants must provide me with everything i requested above or at least an explanation as to why they can not send or show you the evidence, As a result of defendant 's inaccurate reporting, I have been denied credit opportunities Relief sought : that defendants remove all information that they have not sent me the information i requested and all other inaccurate reported accounts and that that the attorney General office file charges on defendants for them being in violation of the FCRA XXXX 

If you need the return receipts I will send them upon request Thanking you in advance XXXX XXXX XXXX
Product: Debt collection

National Credit Systems did not present a contract ( VERIFICATION OF DEBT ) as requested. National Credit Systems -- claimed they will send me verification documents but I have yet to receive anything verifying the debt.Proper verification is a signature and verification that I have a contractual obligation to pay them as the Debt was written as loss to creditor. Unfair practices. ( 2 ) Collecting or attempting to collect from the consumer all or any part of the collection agency 's fee or charge for services rendered, collecting or attempting to collect any interest or other charge, fee or expense incidental to the principal debt unless legally entitled to such fee or charge. ( 5 ) When the collection agency is a debt buyer or acting on behalf of a debt buyer, bringing suit or initiating an arbitration proceeding against the debtor, or otherwise attempting to collect on the debt without ( i ) valid documentation that the debt buyer is the owner of the specific debt instrument or account at issue and ( ii ) reasonable verification of the amount of the debt allegedly owed by the debtor. For purposes of this subdivision, reasonable verification shall include documentation of the name of the original creditor, the name and address of the debtor as appearing on the original creditor 's records, the original consumer account number, a copy of the contract or other document evidencing the consumer debt, and an itemized accounting of the amount claimed to be owed, including all fees and charges.
Product: Mortgage

My dad passed away on XXXX XXXX, 2018, & he told me he had credit life through. Company that was provided by his mortgage bank, Wells Fargo called XXXX & the rider was called XXXX. They were contacted & they said there was no coverage. They said it was another rider called XXXX XXXX. They sent me claim form for XXXX XXXX XXXX XXXX XXXX  called XXXX XXXX. One claim form said XXXX & the other said XXXX XXXX. ( XXXX Claim Forms ) I questioned the XXXX one that said accidental, they said fill them both out, they make the decisions. After a while, months, they denied it due to not being in force & accidental. Now XXXX talked about natural death & what it excluded, etc. 
After this fiasco thats last years back & forth I got these letters from Wells Fargo, cause they were ordered to pay a settlement of XXXX XXXX to consumers for attaching policies to customer accounts that they were not aware of & guess what? Yes, my dads was one of them. Guess who the Insurance Company was? XXXX & I found out my dad had coverage through XXXX & the rider was, XXXX. He had XXXX policies, XXXX of which, were mortgage related. Yes, they sent XXXX very small checks, & I had reopen my dads estate account informing them if I cashed these checks I was not forfeiting any additional monies that were owed. I even got these checks judge in probate involved cause something is very wrong. The branch manager in XXXX, XXXX, assured me I could cash them & they didnt care about those small checks & he would have to get his legal team involved to get the payoff from the insurance company. 
Meanwhile, back at the ranch, so to speak, I kept paying the mortgage for XXXX  years, they increased the payments over 5 times, tried to foreclose when it was 35 days late, sped up the payments ruining my credit with other creditors trying to keep up, and nothing has been done. I can refinance cause my credit is not good, & I am on disbility with XXXX Now they want to call the loan. 
Now they said they were going to call, because I put in a form about XXXX of the checks, I believe was the one that covered the house, & they havent yet. But, I still have the letter. 
Ive contacted the XXXX in XXXX, & he said to contact the FBI. I tried but no answer. 
The XXXX is involved, but they said it is Wells Fargo account & for me to contact you. 
I just dont know what to do. I dont even know whats going to happen. The payments are so fast I cant keep up & I should Not be going through this cause it should have been paid off when my dad passed. 
Please help me. I just dont know where to turn. 
Thank you XXXX XXXX XXXX