23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Heres a more assertive version with stronger legal language : -- - NOTICE OF DISPUTE AND DEMAND FOR VALIDATION Dear Portfolio Recovery This letter serves as a formal dispute of the alleged debt referenced above, and a demand for strict validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Take notice that I dispute the entirety of the alleged debt, including any interest, fees, or penalties you may claim. Pursuant to 15 U.S.C. 1692g ( b ), you are required to suspend all collection efforts until proper validation is provided. I hereby demand that you furnish the following documentation : 1. A copy of the original signed application or contract that created the alleged obligation with the original creditor.

2. All monthly statements and the complete payment history since the accounts inception with the original creditor, showing all charges, credits, and interest calculations.

3. Proof of the transfer of ownership or assignment from the original creditor to your agency, including all relevant agreements.

4. A full accounting of the amount you are demanding, including a breakdown of principal, interest, fees, and penalties, and how these were calculated.

Mere itemization or an unsupported summary is not sufficient evidence of the debts validity. This account does not constitute an open account, and I require clear documentation of any contractual obligation. If you fail to provide the above within 30 days, I will consider this matter closed and demand that you cease all collection activities immediately.

Additionally, be advised of the following : Any attempt to report this debt to the credit reporting agencies without proper validation will constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, for which you may be held liable.

Continued collection efforts without providing sufficient validation will be viewed as harassment under 15 U.S.C. 1692d and will be reported to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state attorney generals office.

I am prepared to pursue all available legal remedies, including filing a lawsuit against your organization for statutory damages, legal fees, and other costs under 15 U.S.C. 1692k if you continue to engage in unlawful collection practices.

You are hereby notified to communicate with me only in writing at the above address. I will consider any further calls or attempts to contact me through other means a violation of the FDCPA and take legal action accordingly.

This is my final notice to resolve this matter lawfully. Failure to comply with this request will result in formal complaints filed with the appropriate regulatory bodies and possible legal action. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
Product: Credit card

XX/XX/2016 I purchased XXXX items from XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ) with my VISA credit card. When I was billed a charge of {$1000.00} was added to the XXXX charges of {$100.00} & {$25.00}. I phoned the company which then apologized ; the young man who charged me was fired. However, XXXX continues to charge me the {$1000.00} despite my phoned calls explaining what happened. Their letter of XX/XX/XXXX threatens to report me to the XXXX consumer reporting agencies unless I pay t he {$1000.00}.
Product: Credit card or prepaid card

Trouble making payments on time due to issues with their website. Trouble with them not drafting the checking account associated with payment to this account on the date specified. Have reached them reapetely on the matter. They have been less than helpful and locked my charge account for non payment when payments have not been able to be made due to issues on their end. I have been charged late fees due to this. Not one time has anyone ever asked me why payments are being made late and am enrolled in all of their insurance programs. Currently the account is in good standing provided the payment is recieved. I was on hold for a long time to speak with a supervisor and he basically screamed at me.
Product: Credit reporting or other personal consumer reports

Please know I ran my credit for the first time and noticed accounts and inquiries that are not mine, I need help in removing all these negative account from my account. 

XXXX XXXX XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete XXXX XXXX XXXXXXXX - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete XXXX XXXX XXXXXXXX - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete XXXX XXXX XXXX XXXXXXXX - 15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE XXXX XXXX XXXX XXXX XXXX - 15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE XXXX XXXX XXXX XXXX XXXXXXXX - 15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE INQUIRY - XXXX XXXX XX/XX/year>- NOT MINE INQUIRY - XXXX XXXX XXXXXX/XX/year>- NOT MINE. 
INQUIRY - XXXX XXXXXX/XX/year> - NOT MINE
Product: Debt collection

The last day XXXX XXXX XXXX and Resurgent Capital reported to the credit reporting agencies was XX/XX/XXXX. On that day they reported I owed {$740.00}. 
It is now a month later ( XX/XX/XXXX) and they are still reporting that I owe {$740.00}. In addition, they have already garnished my paycheck for MORE than that amount. The total money they fraudulently took from me was {$1000.00}. 
It has been more than enough time for them to update this and report that the matter has been closed and to remove it from my credit report. 
They fraudulently ballooned the charges up to {$1000.00} when they asked for the garnishment order. They NEVER reported that amount being owed to the credit reporting agencies. 
XXXX XXXX XXXX and Resurgent Capital Services L.P. have unlawfully collected on this debt. I have not signed any agreement or contract with either of these entities. This is a common action they often abuse unjustly and unfairly by doubling or quadrupling the debt when they acquire it even when the debt has been charged off or exhausted. 
They have not stated the date in which they claim to have taken ownership of this debt AND they have not even provided proof of their ownership of this debt. Instead they were hoping to scare me into inaction so they could get a default judgment. This is an unscrupulous practice whereby they purchase debts for as little as possible by only obtaining the bare minimum amount of information needed in order to threaten and coerce the consumer into making payments. 
Another routine practice of theirs to trick consumers out of their hard- earned monies is they often pass the debt between their multiple entities ( Resurgent Capital Services LP , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX in order to entrap, trick, and restart the debt, which supports ethical fallacies, rationale fallacies and rhetorical fallacies which is reprehensible by all means, despicable and corrupt. 
Anyone who spends any time researching XXXX can find numerous examples of their phony business conduct, which are unfair and deeply troubling.
Product: Debt collection

I get daily calls from Cavalry Portfolio about debt that is not my debt. They have given the name of the person that owes the debt. I have told them several times that I am not the person they are looking for, and have asked them not to call me. They still call and even leave voice mails.
Product: Debt collection

Debt is not mine, I do not owe XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. any monies. 

Has not shown Proof of ownership of Debt Sending a bill of sale is not proof in the court of law as the bill is a section. The complete forward flow agreement must be present. 

PROVE THAT I OWE THIS DEBT TO XXXX XXXX XXXX XXXX, A XXXX XXXX.
Product: Credit card or prepaid card

i took my car to a XXXX dealer in XXXX NJ back in XX/XX/2020 they told me that my sun roof drains were clogged and it was around XXXX i paid in good faith with the card the next day the repair was leaking into my car i returned the car the next day and they informed me that they were still clogged i paid XXXX and they didn't repair it. now i had water in the front of the car and the rear of the car the carpets were completely drenched they said that it would cost another XXXX to correct the problem and dry the rug. I said no way they said that the 2nd time the leak was fixed but the next rain day it was leaking again just like before. the car was taken back once again and it still leaked. i took the car back 5 times the last time the dealer had my car for one week. upon its return it still leaked. 
5 times and no fix to the problem plus i was out XXXX for repairs that were not fixed I notified the card issuers after this and even sent them the service receipts all 5 of them. 
The card co removed and then put back the charges 5 times it started in XX/XX/2020 and has been in dispute as of today now they put the charge back on my account and will not allow me to dispute it again.
Product: Mortgage

My loan is currently sold to Specialize Loan Services. I was struggling with making monthly payments. Loan went into foreclosure. I had to pay layer fees and much more
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed that the date was wrong on my bankruptcy were wrong with Experian and uploaded paperwork and asked for them to remove said item. They updated the bankruptcy to a different date and it is still wrong. They have not VERIFIED anything at all and is putting false information on my credit report and I want it to be deleted ASAP
Product: Student loan

I have worked in public service in California universities for the last 16 years and have been crippled by educational debt while my lender continues to deny me Public Service Loan Forgiveness benefits. Though I have been paying off my XXXX loans since XXXX, and my graduate loans since XXXX, my current balance is over {$35000.00}, a balance, though 30 years old, is significantly higher than the principal I borrowed. Just this year, we were unable to secure a loan to refinance our home because of this staggering debt to income ratio almost exclusively from my student loans. 

Please find attached my letter for the CFPB Complaint Resolution Group regarding my formal complaint against loan servicer FedLoan and the US Department of Education and their failure to administrate the Public Service Loan Forgiveness Program along with attachments documenting FedLoan 's mismanagement of the program.
Product: Debt collection

I recently received notice that XXXX XXXX added a collection on my credit for {$1300.00}. I have no knowledge of what the collection is for. Accordingly, I request full documentation of this collection including any authorization signed for giving permission to use my social security number for purposes of collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone has access to my personal information and is ruining my credit by making outrageous purchases. i have no knowledge of what or who this could be. i lost my bags in the airport summer of XXXX  going to Florida ever since it seems I've had problems in my life.i also filed a report with the FTC yet these companies refused to remove these fraudulent erroneous items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the COVID-19 we contacted our Mortgage Company in XX/XX/2020 to inquire on what options we may, or may not, have for future payments due to the uncertainty of what was to come with the COVID-19 pandemic. At that time they made us aware that our only option was a Forbearance Plan. Since that plan did not financially make sense to us we decided not to take advantage of this plan. We have not had one late, or missed, payment in the history of this loan. So here we are in XX/XX/2020 and we're trying to make a purchase that requires a Credit Check. At this point we've now been made aware that our credit scores, payment histories, etc. all look great, however there is a Forbearance Plan being held against our Credit and is now inhibiting the transaction. 

We immediately called Roundpoint on XX/XX/2020 to address this issue and asked for it to be removed. In a very generic conversation, they informed us that this request would be submitted in the next 24 hours, however it would not reflect on our credit scores until XX/XX/2020. We immediately asked for a letter from Roundpoint to use in the Interim stating that the Forbearance had been removed off the account and was in fact never used. The first 2 responses from that request were, " we don't have anything like that we can do ''. After a 3rd attempt, we were finally able to determine I had to send the request for this letter to " XXXX ''. I've sent 2 emails ( XX/XX/2020 and XX/XX/2020 ) expressing the time sensitive urgency in receiving this letter and I'm not getting anything back except for an automated response " acknowledging '' the email I sent. 

We did NOT approve the Forbearance Plan for our Loan. We did NOT utilize the Forbearance Plan on our loan. So now due to Roundpoints Bait and Switch tactics based off our proactive inquiry in XX/XX/2020, when the COVID-19 pandemic started hitting hard, this has now affected our ability to move forward with a very important additional purchase that requires a credit check.
Product: Debt collection

I XXXX XXXX was married approximately XXXX ago to XXXX XXXX XXXX who is a career XXXXXXXX XXXX XXXX I have been divorced from him for over XXXX, yet he is still causing me a great deal of personal as well as financial hardship. Accordingly, I am submitting a number of demands for permanent deletions from my credit reports of loans that were procured against my name and social security number that were applied for by XXXX XXXX. I am remarried and have been for XXXX XXXX XXXX XXXX I hereby demand that my name and personal information to be purged by each financial enterprise, and the deletion of any account information currently showing on my XXXX, XXXX and XXXX XXXX respectively. XXXX XXXX
Product: Checking or savings account

Chase sent an email to me XXXX about potential fraud on my accounts, saying they have restricted the account and may close it soon. I did not see the email and did not get a text or notification through their app. On XXXX I received a notification about funds being below my warning threshold. I opened the app and saw a negative balance on my main savings account, as well as my checking, and the two savings accounts I share with my children. I called the bank and they grilled me with questions about whether I opened my accounts online or in a branch. I said some date back to XXXX  and they were all opened in the branch. Apparently someone hacked their system and tried transferring my funds into an online account, but Chase won't confirm. I have not given my account information to anyone, and I had my debit and credit cards in my possession. I did not discuss my bank accounts with anyone prior to them getting hacked. 

I called again on XXXXXXXX  and spoke to the fraud claims dept. On XXXX we opened new accounts in our local branch, but they advised they could not help get our prior balances transferred over to the new accounts and that we would have to deal with the Claims Dept to get a cashiers check. I called again on XXXX for Claims Dept at XXXX and was transferred to their Depository Review Dept. On XXXX I called back for Depository Review and spoke to XXXX. He said I would have money in XXXX or XXXX bus. days. I called XXXX and again XXXX. The last time after talking to Depository Review I was transferred to XXXX in Customer Service. He said he could see a check charge on XXXX meaning they were processing cashier checks and I would have funds in 11 to 14 days. We are now 21 days past that date and I still have not received funds either by an account transfer or by cashier checks. 

Each time I've called I've spent 30 to 75 minutes on the phone and have received no answers, just told that they are escalating the situation and referring to the " Back Office. '' Still no refunds as of XXXX, a month after the fraud was detected. Between all 4 accounts that the bank restricted, we had over {$73000.00} but have had no access to our funds. I've asked to speak with a supervisor or manager and have been turned down each time. I have not had access to my funds for a month now and have bills that need to be paid. My kids need their rent money etc. while in XXXX. This is our life savings and it's ridiculous that Chase is holding our funds hostage after I've called and visited the branch so may times, and answered all of their questions.
Product: Debt collection

I recently received a copy of my credit report ( XXXX and XXXX ) and after reviewing it I found questionable items listed by National Credit Systems. In the past, I have asked that National Credit Systems send me copies of the documents that they have in their files that are used to verify the accuracy of the accounts listed ( XXXX ). No one has ever answered my request. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that National Credit Systems disclose to me all of the documents that they have in their possession that is concerning the accounts that are being reported in my credit report. Instead of providing me with the documentation, National Credit Systems insists that the account has been verified. However, the company continues to fail to provide me with this very documentation. 
If there is no documentation in your files to verify the accuracy of the account XXXX, then please delete them immediately as required under XXXX By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties, National Credit Systems is damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if they are unable to provide me with a copy of the verifiable proof that is on file for the account listed, then said account must be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE DISPUTED INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE INQURIIES REMOVE OFF MY CREDIT. THESE INQURIES ON MY CREDIT REPORT ARE NOT LIABLE TO ME.
Product: Debt collection

On XX/XX/XXXX National Management Recovery Corporation called my last employer, XXXX and told the XXXX I was going to be charged with electronic check fraud and they would be there to serve me immediately if I didnt pay in full. They left the number XXXX and case number XXXX. They represented themselves as a law office and provided a number as well as a case number. When I called the number they told me a debt had been turned over to them by XXXX and the state would be prosecuting me for fraud as well as their attorney would be suing me. They repeatedly told me I would be prosecuted and held accountable for the fraud I committed. When I asked for names and addresses they refused to provide me with additional information. I requested proof of the debt and the threats they were making or anything in writing to help eradicate the matter and was told there was nothing that could be done but pay in full. They made multiple threats to attach additional fees if I didnt pay in full immediately that same day XX/XX/XXXX. They have since then called multiple people telling them this. I havent committed any fraud I repeatedly asked for proof and to be sent of what they were saying and was told I couldnt be helped. Luckily, my last employer records all calls so I can get recordings of the call if need be. This company is violating FDCPA rules and regulations and multiple complaints have been filed against them with the XXXX. Businesses like this shouldnt be allowed to operate without penalty. I cant undue the lies they keep telling my ex coworkers and different family members they have called. I have told them repeatedly to stop calling. They refuse just as I refuse to pay a debt Im not responsible for. On XX/XX/XXXX I finally found out the name of the actual company who had been calling making the threats. XXXX sent an email stating my debt had been sold to National Management Recovery Corporation on XX/XX/XXXX. This company repeatedly denies that it is them making the threats by saying its another company but no other company would have the data to quote the loan amount that remained. Not to mention the threats began not even a week after the debt was sold. This is illegal and something has to be done.
Product: Credit reporting or other personal consumer reports

Identity theft of felony uhh nature by parents or related relative
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2020 when i noticed this account on my credit report with XXXX i disputed but XXXX back then never removed it. because in the initial investigation self finical inc and XXXX XXXX couched up evidence to convince XXXX it was my account and that it wasn't identity theft or that it wasn't fraud and that indeed i wasn't a victim. 
now today after its still remains on my credit report i reach out to XXXX again in the midst of disputing other inquiries and charges i brought this on e up. they told me i have to get a letter of deletion from self financialXXXX XXXX in order for XXXX  to remove the regular inquiry that i dont recognize from my credit report. so I was hoping that cfpb could enforce that.
Product: Vehicle loan or lease

I have expressed to my car loan lender that I am unable to make payments due to COVID 19. I was told that I am only allowed to place a car payment back into my loan amount once after every 6 months of consecutive on time payments are made. I was only able to do this once after being unemployed due to COVID 19 for over five months.
Product: Mortgage

I made a previous complaint # XXXX which was answered by Freedom Mortgage in an email stating they made an error I asked for a new escrow disclosure statement and a call from Freedom Mortgage so I could see the numbers and what the payments would be. I received a letter from them on XXXX XXXX, 2016 and at this time XXXX XXXX, 2016, have received nothing. My first complaint was never answered and the whole case is still ongoing. Also all I get is the repeated harassment, many letters from Freedom Mortgage to refinance.