23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2018 Fair Collections & Out Acct # XXXX To Whom It May Concern : Please be advised that I have received your correspondence .This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. 
Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. 
If you can not produce such proof after I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. 
Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX XXXX
Product: Credit card

I was approve from XXXX XXXX for XXXX  credit card limit XXXX since XX/XX/year> never missed a payment .Experian has my credit card information wrong and my history is not reporting .I called Experian to speak to someone about the misleading information .The repersentive stated the issue will be fix asap but nothing has been done. I have negative account that is not reporting correctly but instead they took away my good account that should not been deleted.
Product: Debt collection

Southwest credit system reporting identity theft, fraudulent account to my credit report.
Product: Credit card or prepaid card

I was called on Saturday XX/XX/XXXX at XXXX am and answered the phone since it woke me up. The lady I spoke with had a heavy foreign accent I advised her to call at a more reasonable hour next time or I would be reporting them. I received at call at XXXX and at XXXX on a Sunday during religious services. Neither calls were answered but I was advised that XXXX are not allowed to call at those times on a Sunday since they are unreasonable hours. In my opinion calling at XXXX on a Saturday certainly is.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX XXXX  ( Original XXXX XXXX XXXX ) Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX ( Original XXXX XXXX XXXX  ) Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX  XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX  XXXX XXXX Account number : XXXX  - IDENTITY THEFT XXXX Account number : XXXX - IDENTITY THEFT 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 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a  XXXX   XXXX  charge off listed on my credit report.    XXXX   Purchased my   XXXX   XXXX   XXXX  landline service. My payment went to  XXXX   XXXX   XXXX  but during an Audit  XXXX  identified my account as 180 days late from the Purchase date from  XXXX   XXXX   XXXX  to  XXXX    XXXX  .   They listed th e 180 la te on my credit report.   I called  XXXX  and was on the phone with them for ove r 1 hou r while they tried to figure out what happened. They confirmed they received the payment and was going to remove this from my credit report.   I get a new credit report a few weeks later and  XXXX  has changed the  Status to a Charge off.    I called  XXXX   XXXX  and they said the account is paid off and not a charge off but are not going to correct my credit report. The gave me a letter and told me to work with the credit bureaus. The Credit bureaus all said they researched the issue and confirmed from  XXXX  that it was a charge off.
Product: Debt collection

I am lodging a formal complaint against ic system. this debt collection company has reported negative info on my credit reports without validating debt. ive sent ic system numerous debt validation letters, but they continue to ignore my request. in addition they are reporting every single month on my XXXX  credit report which is a violation of the fcra because they haven't validated the debt with me. the original creditor is a cable company named XXXX and the debt is {$1500.00}. ive never in my life had an account with XXXX. I am requesting this debt that isn't mine be deleted immediately so I can purchase my very first home for my family. thanks for your time!
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, I was sent an email stating {$620.00} was due to complete my remaining balance that was owed to XXXX. It was later sent to a collections company " XXXX XXXX ''. On XX/XX/year> I received an email from XXXX XXXX who were requesting {$960.00} for my account that was owed to XXXX to be considered resolved in full and no further efforts to collect on this balance will be made. After they received the payment for {$960.00} I received a confirmation email stating they received the payment but to my understanding I only owed {$620.00}. 
When I initially tried to dispute my account I informed the credit bureau agencies that the information was not correct for multiple reasons. They denied my dispute and informed me that I would be receiving a letter in the mail within 1-2 weeks explaining in further details why it was denied. I never received the letter in the mail. On my credit report in details it shows as Paid in settlement. {$1.00}, XXXX written off.
Product: Mortgage

Started the refinance of home mortgage process with cash out option on XX/XX/2016. Necessary documents were submitted by XXXX. After initial review, got good faith estimate with loan amount and closing cost. Based on this estimate, a deposit of {$350.00} was made towards appraisal. Appraisal came with lesser amount by {$5000.00}. Agreed to reduce the loan amount to that extent. However, got a revised estimate which was less by {$30000.00} and with additional closing cost towards points etc. In between got numerous revised estimates with different loan amounts and closing cost. It took more than 2 months to reach any definite closing document. Hence, want to get back the deposit of {$350.00}.
Product: Debt collection

This has been a really stressful week since I settled my mortgage to bring my account up to date. I was told by many of the XXXX XXXX that in order to bring my account to current, you have to make the XXXX due payments. I then made a payment of {$39000.00} on XX/XX/XXXX and the money has been taken out of my bank and registered in XXXX but has not been taken out of my balance. I have spoken to four different agents, one of them said, " your money is not registered '', then he found it. Eventually, then he said, " did you receive a reinstatement letter '', I said that I hadn't and I was told that I just needed to bring my default balance up to date. And that is exactly what I did. I left my account in a balance of XXXX. I have made several phone calls, one of the XXXX stated that I had a pending balance of {$120.00}, and that may be the reason why my payments has not been applied. But then she said, " wait a minute, that money can just can roll over to your XXXX payment. '' I emphasized that I paid the total seen on my dashboard and my mortgage statement and she admitted that that was something that should not occur and that she would discuss that with XXXX. Throughout the week, XXXX XXXX have said many different stories of why the funds have not been applied to my account. But today, Friday, XX/XX/XXXX, at XXXX one of the XXXX mentioned that the cash department is backed up with payments and that it should happen next week. The reason to why am I filling another complaint in regards to this situation is because I do not trust this bank at all. Their services have been really inconsistent and I have researched about their credibility and read about 18 reviews with similar experiences. Experiences where people claimed in that their house was in foreclosure and they did not receive the proper documentations and correspondence. Even when they made payments and the funds would be registered in the principal balance instead of their debt. On that note, this company has not been reliable and I do not trust or recommend it to anyone. I would like my account to be up to date before it gets in a worst standard. Throughout this week, I have recorded many conversations in which it is clear that my house is not in foreclosure. Please help me with the follow up on this and I am also seeking for assistance on this.
Product: Student loan

I started school at XXXX University in XXXX for my XXXX XXXX for XXXX XXXX I was to graduate in three years when I started. I made my monthly payments of XXXX a month that was required to continue going to school. While also getting good grades. Then without warning the school closed in XXXX the only warning I got was an email state they will be PERMANENTLY CLOSED closed from that day on. I tried moving to the school they had partnered with however, they wouldn't take me because I wasn't a state they allowed. I had then went and enrolled at another school. 

I then I believe a month later received a phone call I need to pay them the rest of tuition. I didn't think that was far and told them no I'm not pain for not being able to finish my degree. I still get emails from XXXX University stating I have a a balance and occurring interest. 

loan info : Account Number : XXXX Loan Number : XXXX XX/XX/XXXX Monthly Invoice Due {$1100.00} XX/XX/XXXX Beginning Balance XXXX XXXX XX/XX/XXXX Interest XXXX XXXX XX/XX/XXXX Late Fee XXXX XXXX XX/XX/XXXX Interest XXXX XXXX
Product: Student loan

After the announcement of potential student loan forgiveness, I requested a refund of payment of {$14000.00} with EdFinancial on XX/XX/2022 as I made payments during the covid waiver I am eligible for forgiveness. I called back on the 31st to get an estimate for the timeline of refund, and they told me it would be about 150+ days for a refund. I told them that is too long as the forgiveness application is set to open in XXXX and I'm assuming it may take a few weeks to process that already. I also told them that this is past the no interest rate in XX/XX/XXXX so while I wait for forgiveness I would accure interest. They basically told me too bad and I would be responsible for interest past XXXX. Interest would be added DAILY even though I already paid off my loan. I don't quite understand how it would be responsible for interest to accure when I can't even see the balance or make a payment and yet would be getting some of this forgiven. This request should not be taking over 150 days as other loan services are about a few weeks compared to EdFinancial. I should be able to get a refund, apply for forgiveness and pay back the remaining balance without interest. Add this all to they recent databreach to this company in the last few weeks and this company fails to give me confidence about anything they do. EdFinanciall fails to process refunds in a timely matter, has poor customer service, poor data practices, and says I could potentially pay interest for a loan I already paid.
Product: Debt collection

I have already disputed this charge from my account but it is still appearing on there. I am not the person they are charging me. The amount is of {$1100.00}. I disputed the transaction on in 2021 and It still is affecting my credit. It doesnt appear on any of the other credit bureaus and I want it off of my account because it is still appearing as a collection on my credit and it is affecting it.
Product: Mortgage

Specialized Loan Servicing LLC has forwarded a 1098 Mortgage Interest Statement without providing proof of chain of custody. 

SLS on the attachment is misrepresenting this unmerited debt by stating that my balance is {$13000.00}. I am confused about these statements from SLS stating I owe them because they are my creditor per the documents attached. I never executed documents with SLS. 

Most importantly SLS refuses to furnish documents of ownership thru chain of custody. 

I can not and will not include these documents and number on my tax returns. I DO NOT OWE THIS DEBT STATED AND SLS AND AFFILIATES DO NOT OWN THIS DEBT. 

SLS and affiliations has placed a lien on my property without any standing to do so.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( Cfpa ). Specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair andd deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and regulation E. These actions have caused a significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

The account in question is from Credit Control , LLC. XXXX deleted it from my credit report on XXXX XXXX and XXXX show that it is paid and closed, date closed XX/XX/XXXX, but still need it deleted from my credit report. Credit Control , LLC sent a statement trying to collect on a debt that is already paid for. They are trying to collect on behalf of a company called XXXX XXXX XXXX. I have no contract with either company, Credit Control, LLCXXXX XXXX XXXX and have not given no consent for them to use my name, likeness, or credit data. Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) Section 615 ( a ) ( 1 ) states that no person shall 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. I received the statement from the debt collector the first week of XX/XX/XXXX. I sent a letter to them asking them to validate the debt I owe with the physical contract/agreement. I sent both letters certified mail on XX/XX/XXXX, and XX/XX/XXXX. I sent the same letters to the credit reporting agencies as well. XXXX investigated and deleted the account from my report. I have not received a response from Credit Control , LLC, but yet they are trying to get {$11000.00} from me when that account has been paid. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX Fair Debt Collection Practices Act ( XXXX ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report with XXXX and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the accounts listed below as I have been a victim of a data breach. This request is made in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 

Accounts to be Blocked and Deleted : XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$780.00} XXXX  - XXXX XXXX XX/XX/XXXX - {$780.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$450.00} XXXX  - XXXX - XX/XX/XXXX - {$620.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$430.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$430.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$450.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$1900.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$620.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1600.00} XXXX  - XXXX - XX/XX/XXXX - {$24000.00} XXXX - XXXX - XX/XX/XXXX - {$790.00} Inquiries : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Mortgage

Hello, This is most likely fraud on Better Mortgage Corporation end but here is what happened. 
I wanted to refinance my mortgage around XXXX of this year 2020. I initially went with Better Mortgage Corporation. During the 3 day window of right to rescind I decided to cancel my loan with them because I found out there was a much better offer which was not even close to Better Mortgage Corporation. I had mailed them the documentations as well as the title company and emailed both. I also got a confirmation from Better Mortgage Corporation as well that the loan had been rescinded. At this point I had had another Mortgage company who I went with and have been paying them my mortgage payments. From XXXX to XXXX I was getting emailed from the lenders service they work with XXXX that my loan was being serviced. AT THIS POINT I emailed and called them for a month straight saying I do not think that you guys actually canceled the loan but they reinsured me they did. I recently called the title company and they did cancel the loan BUT SOMEHOW XXXX still ended up getting it and then sold it to XXXX who ILLEGALLY got it and then loan care the servicer was contracting me about collection about a mortgage I never approved. I even went as far as to call XXXX and ask them what do I have to do to prove that this isn't the correct information and EVEN had a 3 way call I set up between them all to fix this. I have multiple emails and phone calls. NOW it looks like I have 2 loans for the same house. The opportunity cost I am suffering right now is beyond understandable for most. I have had a place where I wanted to refinance my house and then take cash out to buy for example but I can not because no lender will allow me because it looks like I have 2 loans on my house this has been going on for now 2 weeks. So now I have to pay XXXX more just for what I was looking at. This is what better is costing me. As well as rates and offers change every day. AS WELL AS the additional .5 or .25 increase in rates at the end of the year possible. Between the over 80 Horus I have spent trying to figure this out with everyone involved this should NOT TAKE now coming up on 5 months to solve and figure out. At this point it has cost me money with a business venture. I gave this company MORE than enough time to sort it out but they never did. They have said to me on the phone after I said I would contact the CFPB and get a lawyer is when they finally started to MAYBE do something as they are the lender violated Under TILA and Regulation Z. As well as sold a loan they never even had. Then I had to pay the consequences now for 5 months almost. THERE IS MULTIPLE TIMES WHERE THEY SAID NO ACTION IS NEEDED ON YOUR END WE HAVE FIXED THE PROBLEM. Emails will be attached and phone conversation are even worse but we will see if I can find them.
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 u.s.c. 1681 Account Name... XXXX XXXX XXXX XXXX .... Account # XXXX Account name... XXXX XXXX XXXX XXXX ... Account # 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 an account without my written instructions...

15 u.s.c 1681 C. ( A ) ( 5 ) section states : no consumer report 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I applied for a loan in XXXX to refinance a house with Amerisave. There were constant delays and multiple requests for the same paperwork which I submitted. Finally in XXXX, more than 6 months after I was preapproved, XXXX XXXX advised due to all the new employees, my entire application was corrupted and they were not able to fix the issue so they were going to return my {$500.00} application fee. This has cost me thousands in extra finance charges due to their delays and I still have not received the refund. Now I am not able to get them to respond to my calls or emails and it's been over 4 months since I was supposed to receive my refund.
Product: Debt collection

I was contacted today by XXXX ( extension XXXX ) from XXXX XXXX XXXX XXXX and advised that she was calling in an attempt to collect a debt. Knowing I have no accounts in collections or accounts with debts owned on my credit. I could only assume this involved the previous debts I disputing with XXXX in previous CFPB complaint XXXX and XXXX. XXXX confirmed the XXXX accounts had recently been purchased and wanted to know when I would be making payment. I advised the her company purchased fraudulent debt and the amount I was being accused of owing was already in dispute with the FTC and the XXXX, and issued her complaint numbers. She did not care. XXXX was never able to validate the debt they said I owed yet were able to sell this supposed debt to another agency. I humbly ask XXXX to break this cycle of buying and selling fraudulent debt and resolve this issue once and for all. In the mean time I will be issuing a certified letter to cease and desist communication attempts.