23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CCS Collection had bypassed this essential step. They placed a collection account on my credit report without sending me the initial notice that typically includes information about the debt and the consumer 's rights. This omission robbed me of the chance to assess the claim 's validity, dispute the debt if necessary, and request validation to verify the details of the alleged debt. 

By neglecting to provide me with the opportunity to dispute or validate the debt before reporting it to the credit bureaus, CCS Collection not only impaired his creditworthiness but also, more critically, may have acted in violation of the FDCPA. The act explicitly requires debt collectors to uphold practices that respect the consumer 's rights and ensure the integrity of the debt collection process. 

I have documented my findings and prepared to engage with legal counsel to address this possible infringement of my rights. I understand that the path to rectify this might be challenging, but I also know the importance of standing up for my rights and ensuring that debt collection agencies like CCS Collection operate within the legal boundaries set by the FDCPA. 

I have also attached a cease-and-desist letter and have requested the CCS remove the account from my credit report.
Product: Mortgage

Wells Fargo has not complied with any of my legal requests for debt validation, recordings, copies of the note to prove who owns the property. Where the property was recorded. Discharges from the XXXX and XXXX proving they used the XXXX they scammed me for was really used for said purpose. They responded to the CFPB that the XXXX was used to payoff existing mortgages. They sent you a copy of what they filed with the Title company to steal the XXXX. They love scamming the elderly. Again, I live on social security and have recently retired because the XXXX I worked for have retired. I 've been a XXXX for over 35 years. I 've worked in the XXXX. The debt validation letters should follow Massachusetts Fair Debt Collections Practices Act Practices Act '' as codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt, per " The Fair Debt Collections Practices Act '', " FDCPA ''. The debt collector ( Foreclosure Attorney, Bank, Alleged Lender ) is mandated under " FDCPA '' to cease and desist ALL collection activity until validation of the original note is provided.
Product: Credit reporting or other personal consumer reports

I have disputed the inquiries with XXXX TransUnion and XXXX and nothing has been done after numerous attempts. These disputes are not mine and I have never heard of these companies that these reporting agencys are saying that I said it was ok for them to take out an inquiry on my credit report
Product: Debt collection

When I was applying for a home loan it was brought to my attention that I had a new collection in the amount of {$1000.00} - original creditor was XXXX XXXX XXXX. I had not received any information from XXXX XXXX in regards to a balance owed. I also did not receive any notice from M Leonard & Associates. I contacted XXXX XXXX and they agreed to remove the account from collection upon payment of {$500.00} which I will be paying today. They also told me that I would need to contact the Collection company at XXXX which is the number my Loan Officer provided me from the credit report. I tried calling several times and the number rings busy or out of service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX, XXXX Ref XXXX ( XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX balance XXXX ) Dear, Equifax On XXXX, I sent your company my letter with my FTC report regarding the fraudulent account ( s ) listed above outlining how your company has violated my rights as a consumer under 15 usc 1681. The subsections you violated are as follows. 
.15 usc 1681- ( a ) ( 1 ) .15 usc 1681- ( a ) ( 2 ). 15 usc 1681- a ( 3 ). 15 usc 1681- a ( 4 ). 15 usc 1681b. ( 2 ) .15 usc 1681c-2 And many more. For your convenience, I have attached the letter that I sent you before with this letter, your company responded XXXX alleging that the accounts in reference were verified. Now I am exercising my right under 15 1681i ( a ). I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was verified as you claim that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this is an investigative consumer report I am also exercising my rights under 15 usc1681a ( e ) I want to know exactly who you spoke with, and the method you used to speak with them I also would like the name and the employee number of the employee whom you spoke with the company who furnished this information. Pursuant to 15 usc 1681a ( e ) I am demanding the following :. Which neighbor did you speak with? 
. Which associate did you speak with? 
. Which friends did you speak with? 
. Which acquaintance of mine did you speak with? 
. Was the information that you received factual? 

Please keep in mind that you only have 15 days to respond to this request. If you do not respond in time this information must be permanently removed from my consumer report. 

Best regards,
Product: Credit card or prepaid card

I received a call in XXXXXXXX XXXX XXXXXXXX stating that my Chase Saphhire XXXX card was past due. I told them it was a mistake because I hadn't made any charges and I hadn't received an email stating I had a payment due. They looked over my account, and my partner had used the card without my knowledge. I did not receive an email stating a payment was due. The phone call was the first notification I had. I paid the full amount on the card on the phone that minute. The representative waived the late fee because I haven't had late payments or issues on my account. They assured me that everything was fine and my account was completely paid off. On Saturday, the XXXXXXXX XXXX XXXXXXXX, XXXX, I was working with a loan representative and was notified there was a 30-day late notice on my credit report. I immediately called Chase and explained I had talked to someone in XXXX and paid the bill immediately. I told them the representative assured me everything was fine because of my excellent history. The representative tried to connect me to the Credit Bureau Department. Because it was Saturday, they were closed. I called back on Tuesday, XX/XX/XXXX, and was told by XXXX in the Credit Bureau Department that they make XXXX exceptions with credit bureau reports. The payment was 38 days late, which is 8 days past the reporting time. I explained the situation to him, and he said it didn't matter. I asked for a supervisor, and he stated he was a supervisor. He was very rude, offered no help, no suggestions, no directions on where I could go from there.
Product: Credit reporting

I have public records reporting on my credit report that are due to identity theft and I would like to them be finally be removed and blocked permanently from my file. I have attached an updated copy of my FTC fraud identity theft affidavit which lists the fraudulent public records and it is signed and notarized by my local law enforcement and the court. i also have a letter from the United States Government showing proof my identity was stolen along with my fingerprints and my social security number and all of my personal information for someone to act as me and file taxes and other things under my name illegally they say it was part of a cyber hack. Please read over it carefully to fully understand my misfortunes and the current hardship this disaster has caused me. I 'm currently trying to get a mortgage for my family and I ca n't with these fraudulent public records on my file so please remove these immediately upon receipt of this complaint
Product: Consumer Loan

In XXXX I took out a car loan with Citibank which put a lien on my title. Down the road they sold the loan to XXXX bank. In XXXX I made my final payment to them but never received a lien release. I contacted Citibank several times, but they were of no help. 
So where do I go from here ... .Any help that you give me would greatly appreciated.
Product: Debt collection

Four years ago I signed up for a subscription to the XXXX XXXX XXXX newspaper.

Money was taken out from my credit card, beginning in XX/XX/2014, to cover the upcoming 6 months by easy pay. Except they would take the money from the credit card and then bill me again. The XXXX payment crept down to becoming a XXXX payment. Every 6 months I would have to call and complain. They would tell me they would fix the problem, but it usually didn't get fixed until I sent them copies of my credit card statements, etc.

In XXXX. I cancelled the subscription. Then I called XXXX XXXX and told them not to pay because I had cancelled. I paid {$5.00} for any extra papers I received. XXXX XXXX   said they agreed to the cancellation in XXXX. I did not receive any papers from the day I cancelled. Then the day they settled, they turned me into A.R.M. collection agency asking for the full amount of the 6 month subscription which I didn't get. I had already paid them a prorated rate. I never received any communication from them after I cancelled. Then I received the collection notice.
Product: Credit reporting

On my credit report on XXXX, my student loan debt is double the amount that it should be at this time. I contacted XXXX and transunion about the problem. 
I contacted TransUnion because XXXX lets me know that all information on the report come from transunion. Transunion reported to me that they had my debt at XXXX.and XXXX has my debt at XXXX I informed both websites of the problem and nothing has happened. TransUnion has the same debt on their report XXXX, it is upon the report as XXXX ( XXXX XXXX, 2013 ) and it is also on the report in individual loans that equal XXXX I never had XXXX loan of {$18000.00} at one time. I had individual loans that equal XXXX. 
This mistake has caused me to be denied credit and employment.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to mail that I received from Equifax. The results of their reinvestigation was that they need me to be more specific about the accounts I need them to delete. The name of these accounts are XXXX/Department of Education .
Product: Student loan

I am a teacher and working towards XXXX XXXX XXXX XXXX ( XXXX ). I was in an XXXX XXXX XXXX ( XXXX ) plan for almost ten years. I consolidated my loans in XX/XX/XXXX to take advantage of the one-time account adjustment and when I consolidated I selected the lowest payment plan which was SAVE. Because of litigation I was automatically placed in a XXXX level repayment plan which I never selected and which isnt XXXX so it wont count towards XXXX. I was initially told I am not not eligible for administrative forbearance because I was never in XXXX XXXX, but that is because of the timing of my application and the only option is for me to keep calling back to extend the forbearance. I also cant enter an XXXX plan even if I want to because there is a processing pause through XX/XX/XXXX that will maybe even get extended. 

On XX/XX/XXXX a Mohela supervisor extended my forbearance for one year through XX/XX/XXXX so I did not have to call back each month. This helped me avoid making payments on a plan that would not count towards XXXX. I have a recording of this conversation. She also helped me submit a paper application for a new XXXX plan, but said she could not guarantee when this would be processed due to the pause, but in the meanwhile I would be in forbearance so I wouldn't have to worry. I uploaded the paper version of the XXXX application that day. 

Because of my IDR application, I received a letter from Mohela on XX/XX/XXXX stating that " We recently received your income-driven repayment ( XXXX ) application, but since a federal court issued an injunction preventing the Department of Education XXXX XXXX ) from operating the Saving on a Valuable Education ( XXXX ) Plan and other XXXX plans, XXXX application processing is taking longer than normal. 
Due to these delays your XXXX application is in a pending status and MOHELA is putting your account into a forbearance for up to 60 days. '' So on two separate dates, XX/XX/XXXX and XX/XX/XXXX, I was told my account was in forbearance. Today, on XX/XX/XXXX my account is saying PAST DUE and I am worried this will wrongfully affect my credit. Clearly the forbearance was not properly put on my account either time. I called and spoke to an agent who then insisted I had to be transferred. When I get transferred I am just put on hold for hours on end and a supervisor never calls me back, so my account is still wrongfully showing past due. This is not my first time calling about this issue. Mohela is operating a deflection scheme to avoid resolving the issue and updating my account status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Experian in regards to an account listed on my credit report as XXXX XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Experian, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Experian and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, Experian was reporting an open date of XX/XX/XXXX however XXXX was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX  XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about the XXXX XXXX XXXX XX/XX/2021 with your financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. 

I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. 

The provisions of 15 USC 6801 ( a ) state It is the policy of theCongressthat eachfinancial institutionhas an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 

Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 

15 USC 6802 ( B ) clearing states that A financial institutionmay not disclosenonpublic personal informationto anonaffiliated third party.

15 USC 6802 ( B ) 1b theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. 

In the above-mentioned XXXX XXXX XXXX , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). 

With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. 

I hereby request you remove the below-mentioned information from my Consumer Report : xxxxx XXXX If you accept my request, I will not escalate this matter to a Federal complaint. 


Thank you for your attention to this matter Sincerely XXXX XXXX XXXX
Product: Mortgage

We have never missed but one payment back in XXXX due to covid we did not need 6 months and immediately started paying payments just missing one payment. We assumed that would take care of the forbearance since payments were resumed. We were told it would go to the end of the mortgage and not to worry about it. Now its XXXX and suddenly they want {$830.00} instead of the actual payment of {$650.00} we have never done a modification or refinancing so what is the extra payment for, they refuse to say. I am not on the mortgage so Im not allowed to know ; although Im married to the buyer. We do know that the insurance they placed on our loan canceled us one whole year before we found out. The only way we found this out was our heating and air unit died and they refuse to help, also our soffets needed replaced and they refused and the inground pool needed a new liner, they said they would pay half but then when i called them back they said they do not cover hail damage. We havent had any hail since weve owned the home. So wheres the money we had paid for all the insurance payments, we didnt get them. I should also mention that just after moving in the basement flooded and covered the gas got water heater which put the flame out we could have died of carbon monoxide poisoning. Now we keep paying {$650.00} payments because the guy who has our loan told us to do just that. Everyone i try to call at Flat Branch they refuse to talk to me because Im not on the mortgage but they refuse to call my husband knowing exactly when he gets off work. I told them at XXXX he is available because when he tries to call No one answers and nothing gets done. Now were supposedly in foreclosure because they are telling us we are XXXX payments behind they said they havent processed any payments since XX/XX/XXXX but we have receipts. They did send XXXX payment back and so we sent that XXXX, XXXX and XXXX back to them also sent XXXX a total is {$3200.00} was sent i have not received these money orders back and we still cant get them on the phone we think this is predatory lending.
Product: Debt collection

Dear Jefferson Capital Systems XXXX, 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 : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5.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: Credit reporting, credit repair services, or other personal consumer reports

I have disputed that there was no late payment in XX/XX/2018. The mortgage company made a mistake when entering my payment information. I have had several conversations with the mortgage company and they said they would modify to either show no activity or not late yet it remains on my file. This needs to be modified and corrected.
Product: Credit reporting or other personal consumer reports

I have contacted Experian over 13 times, they either dont investigate the info or ignore it I sent them a letter from the creditor even that got no update not sure why they have control if they cant do there job
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a XXXX XXXX XXXX XX/XX/2022 however, it appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files.
Product: Debt collection

This negative item does not meet the XXXX reporting requirements. I do not recognize how and why this is reported. Delete immediately, please. I have attempted to contact this agency asking them to vary the proof of debt and they've denied my request. They continue to contact me and my parents through spam phone calls. 

Today XXXX I received a phone call from Regional Recovery and I requested documentation. They refused to send me any form of paperwork with correct totals and account details.
Product: Student loan

I couldn't find a job to repay my loans i coundnt get back in to school