23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am a new customer of this loan with Specialized Loan Servicing. 
Soon after in XXXX. I received the attached letter stating they had transferred the loan to XXXX XXXX XXXX. I accidentally sent TWO payments : ONE to Specialized Loan Servicing for the correct amount of {$1300.00} and a payment of {$2200.00} to XXXX XXXX XXXX thinking it was my PRIMARY home mortgage company. I immediately called to request a refund on XX/XX/XXXX ... 
The said it would take approx 5-days to receive the refund. 
Called XX/XX/XXXX ... they said 'they were under a deadline to send it between XXXX XXXX Called XX/XX/XXXX, they said 'they were under a deadline, that it had to be sent out by the XXXX. 
Called XXXX XXXX, they said it was 'under review ' should be sent soon Called XXXX XXXX, they said it 'should have been mailed ' ... .not sure if it had Called XXXX XXXX. they said it was sent on the XXXX Called XX/XX/XXXX. finally got a SUPERVISOR named XXXX ( not you ) at : XXXX, said he would give it 'personal attention ' and call me back the next day ... .he never did Called XXXX XXXX, they said I needed to 'sign some release form ... .it was emailed to me, but nothing to sign Called XXXX XXXX, 'told it was under review ' ... .not sure if it had EVER been sent Called today, XX/XX/XXXX ... .a guy named XXXX at extension XXXX, said he would give it 'personal attention and 'expedite it to financial dept manager ' that someone FOR SURE would be contacting me within 3-days Called XXXX XXXXTold I needed to issue a request to stop first check and submit another check Called XX/XX/XXXX-Told check was in 'process ' of being sent again ... couldnt tell me exactly when They refuse to let me talk to a supervisor ... .NO ONE has yet to return my calls ... the ONE supervisor I did talk to in XXXX is no longer with the company. They could not give me ANYONE else. 
I'm concerned that this XXXX XXXX XXXX is possibly a fraudulent company and that I might have been scammed. 

Its been a nightmare ....
Product: Debt collection

In XXXX of year 2017 a delinquent balance of XXXX was reported to the credit bureaus
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Debt Validation Request under the Fair Debt Collection Practices Act To Whom It May Concern, I am writing to formally request validation of an alleged debt you claim I owe, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I request that you provide proper verification of this debt before any further collection activity continues. 
. 
Specifically, I request the following information : 1. The original creditors name, address, and account number associated with this debt.

2. A copy of the original contract or agreement that legally obligates me to this debt.

3. The complete payment history, including the balance, interest, and fees added to this debt.

4. A copy of the assignment contract or agreement that demonstrates your legal authority to collect on this debt.

5. Proof that the statute of limitations has not expired for the collection of this debt.

6. The name and address of any other entity that has owned or purchased this debt.

Pursuant to 15 U.S.C. 1692g ( b ), you are required to cease collection efforts until this requested validation is provided. If you fail to furnish the requested documentation within the legally prescribed timeframe, I will consider this matter closed and any further collection attempts a violation of my rights under the FDCPA. 
Additionally, I request that all communication regarding this matter be conducted in writing only. Please do not contact me via phone at any time. 
This letter serves as a formal dispute of the debt. If you report this debt to any credit reporting agencies before properly validating it, I will consider it a violation of the Fair Credit Reporting Act ( FCRA ) and will not hesitate to take further legal action to protect my rights. 
Please respond in writing within 30 days of receiving this request. Thank you for your cooperation. 

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

I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some accounts that are not mine. These accounts have never been opened by me or with my permission. I need your assistance to stop these accounts from reporting to my file. According to FCRA section 605b, the credit bureaus must delete any accounts mentioned in an identity theft report. To aid with the blocking of the fraudulent accounts that were discovered on my report, I have included some documents. 
XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance Owed : {$6100.00}
Product: Mortgage

The servicing company on my home loan ( Roundpoint Mortgage Servicing Corp. ) is demanding over $ 80.00/month more than required for escrow. Multiple calls and emails have not produced any results other than misinformation.
Product: Debt collection

On XX/XX/XXXX I submitted a written notice to the debt collector informing them to stop contact with me. The contact has been extremely harassing, and unwelcomed. This debt collector has repeatedly used the phone to annoy me. This debt collector has informed she would hang up while I was speaking, and she did just that. Anytime an individual hangs up the telephone abruptly, ( as this debt collector did ) obviously the conversation is not welcoming, but instead extremely negative. 



Background Information : I suffered a house fire in XXXX, and the company they represent for the debt has not returned my personal belongings they removed from the property during a time I trusted them to clean up fire related damages. The personal belongings removed from the house were not fire-related, neither damaged by the house fire and to date has yet to be returned, or paid for. The company this debt collector represents is XXXX XXXX. 

Despite talking to this debt collector in the past, to date I have not received any written validation notice showing how much money I allegedly owe, the name of this creditor ( provided verbally but not in writing ), and instructions on what to do. Especially since I informed the debt collector that I dispute the debt. 

This debt collector informed she spoke with my insurance company, XXXX XXXX, and XXXX informed her that I received a check with a specific amount of over {$6000.00} dollars. I did not give permission for this debt collector to contact my insurance company for any reason. In fact, the last time I communicated with this debt collector, she informed me she would communicate with their client XXXX XXXX as a follow-up to the information I provided. I believe this debt collector violated the law by discussing information related to the debt with anyone other than myself, as my husband is deceased. 

The information this debt collector informed she collected was not to find my address, nor home phone number, nor where I work, but she collected information on my house fire claim damage payments and checks. I believe this conduct is a violation of the law. I did not give permission, neither was the permission requested by the debt collector to contact my insurance company XXXX XXXX.
Product: Debt collection

On XX/XX/year>, I sent a letter to Portfolio Recovery Associates at their XXXX, VA address regarding a potential violation of the Gramm-Leach-Bliley Act ( GLBA ). The letter requested validation of an alleged debt and proof of my explicit consent for the sharing or handling of my personal financial information. Despite my request, Portfolio Recovery Associates has failed to provide sufficient documentation demonstrating compliance with the GLBA 's Privacy Rule and Safeguards Rule, which require financial institutions to protect consumer information and handle it responsibly. This lack of transparency and validation raises concerns about improper data sharing and potential violations of federal privacy and consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below listed student loans that are being reported within my credit report is inaccurate account information. I have never been to college or took out student loans. It is not clear to me how these student loans could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of you, the credit reporting agency or the original creditor. Whichever it is, the fact remains, these student loans are incorrect payment history information. I sent out my first complaint on XX/XX/2021, no response. I sent the next letter on XX/XX/2021 and still no response. I gave them a call the following week and got no update on the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The auto loan accounts are displaying inaccurate and inconsistent information. Some credit bureaus are reporting late payments and others are reporting current. The car loans were paid off in XX/XX/XXXX and XX/XX/XXXX. The accounts are paid off and they are closed, resulting in an inaccurate credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit daily ok. 
I get updates and credit alerts from everywhere. 
I just got an update on XX/XX/XXXX and again on XX/XX/XXXX that my credit was the same as its been for almost two months it was XXXX. 
Keep in mind I have had no changes OTHER than amounts " decreasing '' from my total debts. 
On XX/XX/XXXX I got an update from the bureaus ( XXXX  AND EQUIFAX ) that my credit went down 38 points DUE TO A NEGATIVE REMARK XXXX   POSTED ON MY ACCOUNTS. 
I pay Chase on time EVERY MONTH. 
I spoke to Gentleman in the XXXX Credit Bureau Correction dept about the error. 
I was given information that the remark shouldnt have made my score go down BUT AGAIN IT DID. 
He also tried to blame it on a " third party applicator '' BUT NO SIR THIS CAME DIRECTLY FROM XXXX AND EQUIFAX My credit score decreased drastically soley bc of the NEGATIVE REMARK XXXX ADDED TO MY ACCOUNT. 
XXXX needs to STOP adding UNECESSARY remarks on my credit file. 
IF IM NOT LATE DO NOT ADD ANYTHING TO MY FILE. 
DONT ADD NONE OF THAT TO MY CREDIT FILE BC IT DECREASES MY CREDIT SCORE DRASTICALLY I'm a XXXX  XXXX OK. 
I monitor my credit 500 times a day. 
I'M ADDING PICTURES TO SHOW HOW MY SCORE WENT DOWN SOLEY BC OF THE REMARK CHASE ADDED TO MY ACCOUNT. 
Not even sure why they added that UNECCESSARY REMARK ON MY CREDIT FILE PERIOD. 
THE GENTLEMAN EVEN TOLD ME OUT HIS OWN MOUTH SOMETIMES WHEN XXXX ADDS REMARKS PPL HAVE CALLED IN AND STATED THEIR SCORE WENT DOWN. 
THIS NEEDS TO BE INVESTIGATED INTERNALLY. 
XXXX NEEDS TO REMOVE THE REMARK THEY JUST PLACED ON MY FILE ON XX/XX/2019 REGARDING THAT DISPUTE. 
AND IT NEEDS TO BE REMOVED EXPEDITIOUSLY. 
A DISPUTE WAS FILED BUT IT HAD NO BEARING ON ANYTHING BC IT WAS ONLY FOR {$30.00} AND I NEVER FOLLOWED THROUGH WITH IT. 
IT WAS NEVER PROVISIONALLY CREDITED OR WITHDRAWN FROM MY ACCOUNT. 
IT LITERALLY DID NOTHING. 
XXXX may not know that what they are reporting or the words they are using is hurting consumers but it is IF IM NOT LATE DO NOT ADD NOTHING TO MY CREDIT FILE. 
You should be reporting my ON TIME PAYMENTS and THATS IT DONT ADD ANYTHING ELSE OK. 
ABSOLUTELY NO OTHER MITIGATING FACTORS CAUSED MY SCORE TO DECREASE LIKE THAT EXCEPT THAT REMARK THAT WAS ADDED AND AGAIN MAYBE XXXX CREDIT BUREAU DEPT DOESNT REALIZE THE UNECESSARY REMARKS THEYRE ADDING TO CONSUMERS FILES IS DECREASING THEIR SCORES SO NOW THEY KNOW AND THEY NEED TO STOP OR I WILL FILE A LAWSUIT AGAINST XXXX.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"
Product: Debt collection

XXXX XXXX, XXXX is trying to request the same debt and same account as CREDIT CONTROL , LLC. I currently have open complaints with XXXX XXXX XXXXXXXX regarding this matter. XXXX XXXX, XXXX did not respond. Then I was contacted by CREDIT CONTROL , LLC. I am disputing this debt and I am responding before the XX/XX/2024 per requested by CREDIT CONTROL , LLC. I do not understand why this creditor has my information, when I was waiting for XXXX XXXX, XXXX and no response which is a law violation. I am requesting a Validation Letter from CREDIT CONTROL , LLC. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2024 Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Account Number : [ # # # # # # # # # # # XXXX ] Reference # : XXXX Dear Sir/Madam, I am writing to dispute the validity and verification of the debt you are attempting to collect. I request that you provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : The amount of the debt you claim I owe.

The name of the original creditor.

Proof that you are licensed to collect debts in my state.

Verification or a copy of any judgment ( if applicable ) against me.

I also request that you provide me with copies of any documents that show I agreed to pay this debt. I request the purchaser agreement between the Original Creditor, Current Creditor and CREDIT CONTROL , LLC. Due to XXXX XXXX, XXXX being another debt collector regarding this account at this current time. 

I am also requesting furnish proof that these companies are licensed and bonded. I am also evoking all rights of this company, CREDIT CONTROL , LLC communicating to me through emails, text messages and calls. 

Please provide the requested information to me at the address above within XXXX  days of receipt of this letter. Until you provide me with the requested information, I expect that you will cease collection activities, as required by the FDCPA. 

Please also be aware that I dispute the validity of this debt. If you have already reported this debt to any credit reporting agency ( CRA ), please inform them that this debt is disputed. 

Please provide me with written confirmation once the investigation and the necessary corrections have been made to my consumer report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Debt collection

I am XXXX XXXX, a federally protected consumer and I am making a complaint against Monarch Recovery Management , Inc. regarding an account that they purchased from XXXX XXXX XXXX. I have sent your company several correspondences, however, they always seem to go unanswered, and this alleged debt continues to remain on my consumer reports with no regards to how this affects me. First, I would like to state that I have never given Monarch Recovery Management , Inc. any permission to use any of my identifying information to commit aggravated identity theft by contacting me about an alleged debt they claim that I owe. After several correspondences, I have still not validated any alleged debt with Monarch Recovery Management and while I have not validated such a claim of debt this, in turn, it can not be constructed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence such as a TRILATERAL CONTRACT between, XXXX XXXX, MONARCH RECOVERY MANAGEMENT, INC., and myself, giving Monarch Recovery Management any right to collect on this alleged debt. It is my belief that Monarch Recovery Management is attempting unlawful fraud activities and theft by deception by attempting to furnish false and deceptive forms and continues to commit several violations under the FDCPA.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid for my XX/XX/XXXX bill that was due, I had XXXX in my XXXX  account to cover my Capital one payment. 
I noticed the XXXX wasn't taken out right away like many other charge accounts I have. 
So I waited a day and still nothing, I called Capital one and they advised me that it takes up to 48 hours to process a payment??? 
I also called XXXX card customer service and they said it's up to Capital one when they want to take out a payment.
Product: Credit reporting or other personal consumer reports

At the present time i have read that you can request a free report from each bureau every week.Yet everytime i go on the annual credit report website sometimes i can get one from experian and sometimes says i already have gotten it even though i had not.Then when i go to the next bureau it says i already have them all.Also when i try and login on their website experian mixes up my user name and email with my wifes and i spend hours trying to reset my password and its just in a circle.I had my info lost in the att data breach and i am supposed to get experians id service for free i got registered but can not access my account for the reasons i just mentioned, you can not get through to them on the phone spent a couple hours todayThese people should not be in charge of important consumer info like credit information.I am XXXX and they have never gotten any better to deal with since i was XXXX
Product: Credit reporting, credit repair services, 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 USC 1681. 

Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXX Account Number XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

Paypal denied my fraud claim for a fraudulent transaction on XX/XX/XXXX in the amount of XXXX. Paypal claims I previously submitted an e-check in the same amount to same person, which is a lie, I explained to rep that whomever did the transaction had previously attempted it differently using an e-check but that was canceled prior, then sent directly from Paypal balance. This was done so I am unable to dispute the transaction as a purchase, I also explained this to Paypal rep ( s ). The person the funds were sent to. XXXX XXXX, has not responded to my emails and I absolutely do not know this person. I suggested to Paypal rep ( s ) that the transaction be reversed out of the persons account ASAP. However, they have not complied and will not credit my account back. I have also explained that someone also hacked into my XXXX account prior, I was advised via email by XXXX to change my password. I think the same person ( s ) may have also hacked into Paypal account. I did change password and added extra security as suggested by Paypal rep, however, they have done little to nothing to get funds back
Product: Credit card or prepaid card

I have had a credit card with Bank of America since XXXX. Today, XX/XX/XXXX I got a letter in the mail saying my credit card since XXXX was closed on XX/XX/XXXX because I hadn't used it enough. I immediately called and the person I spoke with said that Bank of America changed the rule on XX/XX/XXXX, and no longer has to notify customers before they close accounts. I asked for when I was notified of this and the person I spoke with said I wasn't notified. The person I spoke with said that they had emailed me to tell me my card was canceled on XX/XX/XXXX. I said I am NOT signed up for ANY email notifications only postal mail.
Product: Mortgage

Freedom Mortgage refuses to review our application for assistance. Each time we call to update the status of the file they ask us to send in bank statements that are already there. We confirmed it 3 times with 3 different representatives at Freedom.
Product: Credit reporting or other personal consumer reports

I was set up in a payment plan with XXXX. These payments were schedule for one year in advance. At the end of the first year, we thought we were setting up the next year. Turns out there was a payment gap. When this was set up again, no one from XXXX  informed us that there was a gap and past due amount at the time. Nothing reflected this in the conversation or online. We set up a new annual payment plan which has been coming out for the last 10 months. Same payment and same date every month. XXXX failed to notify us of this and continued to report the payment 60 days late since XXXX of XXXX. I did not find this out from XXXX, but from the credit bureau. XXXX refuses to show what correspondce they have sent to try to notify me of the error. They never reached out via phone or email with the payment being missed or with any statements. They are refusing to remove the late payments despite me immediately correcting the mistake once I found out. I tried to elevate multiple times and have been hung up on by the company despite my calm demeanor.
Product: Checking or savings account

My financial institution, Capital One, has repeatedly and recklessly been engaged in mishandling my money by disregarding my complaints about unauthorised and disputed transactions. Thus, Capital One is holding my money at the expense of the third part merchants engaging into aggressive behavior in accessing my bank account even after ending services/products with the merchants, and or merchants charging for services/products they do not provide. 

XX/XX/2019 Capital One awarded XXXX {$130.00} for services I no longer subscribe since XX/XX/2019 XXXX ( Claim # XXXX for my account ending in XXXX ). While I provided proof that I was no longer subscribing for the service, they awarded the merchant my money with false supporting documents they later sent to me after many followups and complaints ( see the supporting documents ). 

XX/XX/2019 again, Capital One paid/holding {$710.00} ( Claim # XXXX for my account ending in XXXX ) that I never allowed the merchant, XXXX XXXX XXXX to withdraw from my account, hence causing a tremendous chain of insufficient funds for other scheduled transactions. Both Capital One and the Merchants knew in advance by phone and writing about the ending/termination of the services/products they were providing me. However, Capital One mismanaged my money instead of safeguarding my money. 

Two incidents in one month are too much to ignore or to think Capital One has been operating in the interests of their customers. When I entrusted Capital One with my finances, I believed they will work on behalf of my interest, which has not been the case most of the time. ( see the supporting documents ). 

Therefore, your help in resolving this problem will beappreciated. 

Thank you, XXXX XXXX ( XXXX ) XXXX