23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX, XXXX sent Debt Validation letter for them to prove they have the authority to collect these debts. It is with LVNV/Resurgent all the letter says is it was sold to them on XX/XX/year>. Nothing else except amount. They have also violated calling my family and my ex-husband whom I've been divorced from for 10years. I have disputed this with the Credit Bureaus and nothing has been done. I don't care how long this company has been in business which they state in the letter they sent in reply to mine but nothing that shows they legally own these debts. It's not a validation letter it's a bill asking for me to pay them in full or payments, when they haven't showed validation they hold my account legally except the amount of debt. It shows on my credit there are 4 credit card collections with them & I sent 4 separate letters asking for Validation and I'm sure I'll get 3 more letter like the one today. If they can't show the contract from original debtor and it being signed over to them, then by the FCRA Law they have to delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan was opened originally XX/XX/XXXX and consolidated in XX/XX/XXXX under a student loan consolidation to include all my federal loans. One however did not make it. The loan was then sold to XXXX and although I had my loans in hardship forbearance the bureaus still have inaccurate information on my credit report. I was told, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 120 days past due since XX/XX/XXXX - XX/XX/XXXX on both XXXX  and Transunion. I can't seem to get the Servicer to communicate to Bureaus to resolve accurately. I have disputed numerous times. I have been working for nearly 4 years to get this resolved to no avail.
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX XXXX services received a debt validation letter from myself. XXXX XXXX did not validate the debt that XXXX XXXX allegedly claim l owe. As a result of that failure, XXXX also received a letter demanding the deletion of the alleged account from all consumer reporting agencies on XX/XX/XXXX. 
Under the provisions of the Fair Credit Reporting Act 611 ( a ) | 15 USC 1681i ( a ) l, disputed items must be validated or deleted and removed from my credit record within 5 days. XXXX XXXX have triggered Privacy Act violations U.S.C. 552a ( g ) ( 1 / ( A ). XXXX XXXX neglected to respond or comply. XXXX XXXX has obtained my personal private information including but not limited to my social security number, outdated addresses, names, and phone numbers which is a violation of the Privacy Act because XXXXXXXX XXXX or XXXX XXXX does not have a certified document granting them permissible purpose to furnish anything about me or to have my information for that matter. I did not give XXXX XXXX XXXX XXXX  legal permissible purpose per FCRA. XXXX XXXX is a known junk debt buyer. 
Per 15 USC 1692K Civil liability, XXXX XXXX is now liable for violations that they have carelessly committed. These behaviors are also considered abusive and harassing. I am aware that XXXX XXXX was sued before for abusive and deceptive practices and behaviors towards past consumers. 

Now, I am being harassed by another debt collector by the name of Credit Control LLC who contacted me by mail in XX/XX/XXXX for this same alleged debt. Who owns this alleged debt when no company has provided the ORIGINAL PURCHASE AGREEMENT? No company has provided this information, therefore the reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection. * 1692e : Use of false, deceptive, or misleading representations. * 1692g ( b ) : Failure to properly disclose my rights. 
* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every year I check my credit just to make sure I'm on target with my goals ; well, this year upon having my credit pulled, I discovered several items that are NOT mine and I'd like them removed as soon as possible. I also took the liberty of contacting the police and FTC for your convenience. These are items from removal : XXXX, XXXX, XXXX XXXX
Product: Student loan

Navient provided XXXX different IBR/IDR re-certification application dates. One is on the Navient website and the other is via email. This can cause default, in which both the government and lender profits. The dates are a month apart. That is wrong and deceiving. I 'm already in the Defense to Repayment forbearance because I can not provide for my family and the student loan payments at the same time. Check all my expenses and you 'll see I 'm not living lavishly. I can barely afford groceries. I ca n't afford to get my wife who has XXXX 's good treatment. XXXX covers so little. I 'm scared.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX  XXXX XXXX i sent a dispute letter stating that my name and address was incorrect and any address that there should not be any names listed because it not my name or addresses i don't have access to the mail box should removed because i cant receive mail at the address other then my current address on XXXX XXXX received but they didnt update my name to my real name and it the address was update but the others was not deleted
Product: Credit reporting or other personal consumer reports

I am writing to aggressively dispute the unauthorized credit inquiries and fraudulent accounts that have been reported on my credit file. These violations are not only the result of identity theft, likely caused by the XXXX data breach, but also constitute clear breaches of the Fair Credit Reporting Act ( FCRA ). Transunion and XXXX has failed The following violations of the FCRA have been identified : Unauthorized Credit Inquiries : Violates Section 604 ( 15 U.S.C. 1681b ) which restricts access to credit reports without permissible purpose. 

Inaccurate Information Reporting : Violates Section 623 ( 15 U.S.C. 1681s-2 ) which mandates accurate reporting of information by furnishers. 
Failure to Investigate Disputes : Violates Section 611 ( 15 U.S.C. 1681i ), requiring credit reporting agencies to investigate disputes within 30 days.
Product: Credit card or prepaid card

Sam 's credit card- Sam 's has lowered my credit limit on my card without giving me any reason. I have never missed a payment and recently got the card and had a XXXX dollar credit limit which they lowered to XXXX and now I have other creditors giving me small credit limits of XXXX and XXXX dollars. This is not good for my debt to ratio. My credit limit was in the 700 hundreds and now has dropped do to this fact. I need my credit card especially during this time with this virus in America.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, my husband and I filed Chapter XXXX Bankruptcy and it was closed out in XXXX. I believe this is the time when re-affirmation would have started. I am no longer married and trying to refinance my home to remove his name off the loan, being we have been divorced for over 14 years. XXXX, I did a loan modification under my name only and they still never started recording my payment history from there. I tried refinancing with XXXX  XXXX XXXX, and I was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient and XXXX keep adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. First of all they do n't have my correct contact information and I was not able to be notified in XX/XX/XXXXand XXXX. I fax information over to them about my forbearance and I was told that it was never received. I have copies of my fax receipt were it was sent over. Several late payment was placed on my account because of this.
Product: Mortgage

I have an incorrect address on my credit report. 

It is listed as XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX This has caused a number of issues with a recent job I applied for as well as a home mortgage for verification purposes. 

I contacted XXXX and they informed me that the information was provided by Homepoint Financial. 

I contacted Homepoint Financial on XX/XX/2022 and described the dispute to them. I received an email response that they will review inquiries in the order they received them. I have and heard nothing back. 

I do not want this address on my credit report. I do not live there, never lived there and have never lived in KS. I have no idea what other issues this may create for me.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXXXXXX Balance : {$6100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I am writing to file a complaint against XXXX XXXX ( debt collector ), P.A, Attorney for Plaintiff, American Express National Bank in conspiracy with American Express National Bank witness for what appears to be perjury by affidavit and unfair and misleading debt collection practices. On XX/XX/2023, I received notice from your company regarding an alleged debt of {$990.00} that I allegedly owe to American Express National Bank. The notice included an affidavit signed by Assistant Custodian or Records for American Express National Bank, XXXX XXXX identified as AFFIDAVIT OF INDEBTEDNESS dated XX/XX/2023, which I believe contains false statements. 

Specifically, the affidavit states that " After giving Defendant credit for all payments made, if any, the amount justly due and owing as of XX/XX/2023 is {$990.00} '' ( Exhibit B ). These statements are untrue and have been made with the intention of deceiving me into paying a debt that I do not owe as expressed by supporting statement with closing date XX/XX/2023 ( exhibit A ). This constitutes perjury by affidavit, which is a serious offense under the law. 

Furthermore, The I have attached a formal NOTICE OF DISPUTE AND VERIFICATION OF DEBT REQUEST NOTICE OF REQUEST FOR ACKNOWLEDGMENT NOTICE OF REQUEST FOR RELIEF for futher clarification of the alleged obligation. 

I demand that your company immediately cease all attempts to collect this alleged debt and remove any negative information from my credit report related to this alleged debt. If your company fails to comply with this demand, I will have no choice but to pursue legal action against you.
Product: Credit reporting, credit repair services, or other personal consumer reports

name that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX address is not right : XXXX XXXX XXXX # XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX APARTMENT COMPLEX XXXX XXXX XXXXXXXX XXXX   XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY XXXX XXXXXXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY sen wrong : SSNs show tooltip button Only variations displayed. Select as many as apply XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrong numbers ftc violations : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX no spouse : Spouse or Co-Applicant Select as many as apply XXXX employer wrong : XXXX XXXX XXXX XXXX XXXXXXXX  XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am writing to get some help in regards to my credit report, there are some inaccurate and fraudulent account on my report, i have disputed these several times with each bureau and I haven't been able to get back a response from any of the XXXX bureaus EXPERIAN, XXXX AND XXXX, please help as this is affecting me significantly.
Product: Debt collection

On XXXX XXXX, XXXX I sent a letter to a collection agency by the name of XXXX XXXX. I wrote to them after seeing they are reporting a collection account on my credit report for a balance of {$530.00}. It is reporting an original creditor by the name of XXXX XXXX. I never had a debt with that lender and I requested copys of statements and signed credit application for this account. As of today XXXX/XXXX/XXXX, no response has been received from this company.
Product: Mortgage

I have a Mortgage with Nationstar Mortgage loan. I can not get the mortgage company to state why they are not posting the required principle payment in my note and are charging everything on regular payment to interest and only posting addition principle that I am paying toward principle. I have contacted the company several time and can not get them to give me an answer. They first stated that my loan was all interest for the first 10 years which is not true because before the purchased the note from XXXX XXXX I was paying both interest and principle with my payments and I have the original note. These people do not seem to understand or do not want to help resolve the issue. I do not know what to do except file a law suit against the company.
Product: Credit reporting or other personal consumer reports

I requested that the inquiries be immediately deleted, I did not authorize any of the companies to run my credit
Product: Student loan

Over the last 2 years, it has become next to impossible to obtain any detailed information regarding my loan. 

I have been instructed by customer service to not go by the Navient.com Loan Details web page, as it isn't up to date. When I request a detailed breakdown, they state that they are not allowed to provide that information. 

In XX/XX/XXXX I reapplied for Income Based payments, I listened to the terms & conditions and pressed pound to accept. I come to find out in late XX/XX/XXXX that the payment plan was never set up by an employee error & I was several months past due. 

This has happened multiple times, I am in a automatic debit withdrawal program, yet the interest fluctuates or money is misapplied to the loan. 

All the while- I haven't received any correspondence or breakdown. 

I have to check my credit report every few days, to see if my loan amounts are up to date. 

Today, XX/XX/XXXX, I run my credit report & my student loans have gone up {$47.00}. Yet, I made my scheduled payment on XX/XX/XXXX, with the next one scheduled for XX/XX/XXXX. 

Overall : 1 ) The principal amount is wrong 2 ) The interest calculated is wrong 3 ) The company refuses to provide a detailed explanation of the amount 4 ) The company charged interest and penalties while I was enrolled in school full time.

5 ) The company refuses to provide an address to a written dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Transunion still reporting Released Tax lien, I 've sent 3 notarized certified letter and they are still report after XX/XX/XXXX Released date XX/XX/XXXX Reference number XXXX Name : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 
These are the creditors as follows : 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
Product: Credit reporting or other personal consumer reports

I discovered inaccuracies on my credit report, as outlined in 15 USC 16c-2, which I believe are affecting my creditworthiness. The inquiries listed were not authorized by me.
Product: Debt collection

XXXX XXXX XXXX keeps submitting a charge that i do not owe, nor can they provide any information on the charge of {$170.00}. Every time I ask for debt validation, it is moved to yet another collection agency.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

I was contacted by Freedom Mortgage by XXXX  XXXX XXXX NMLS XXXX on XX/XX/2021. XXXX provided me an email stating I would have {$0.00} cash to close prior to me completing my initial disclosures. On XX/XX/2021 @ XXXX PST, XXXX called and stated we are " Clear to Close '' and not to make the XXXX payment as we will be going to docs right away. 

When I requested the CD, XXXX stated I will now need to bring {$1200.00} cash to close to which I explained this was not acceptable. XXXX came back a couple days later stating there are no other options as I don't qualify for other programs to now have {$0.00} cash to close ( Mind you he sent in writing that it will be {$0.00} cash to close and my initial disclosures reflected the same ). I emailed the escalations department a copy of the email from the XXXX  with Freedom Mortgage and they explained this was being looked into. 

It is now the XXXX and I have had to call in daily to see what's going on with my file as I am told, " Its being reviewed and escalated ''. Today Freedom Mortgage calls and tells me they let my pay off expire back on the XXXX and I would need to come in with {$580.00} cash to close because they did not order an updated pay off and they can not pad the closing. I again explained this was an error on freedom mortgage and I do not agree to these terms. 

My XXXX   is telling me if I don't come up with this my loan will most likely not fund this month and I will need to pay the mortgage payment that I am not being charged a late fee on because I was told NOT to pay this month. XXXX told me this is not his Freedom Mortgages fault and claims he never said to not pay yet the conversation was recorded XX/XX/2021 @ XXXX PST. 

This is the second refinance I have done with Freedom Mortgage where they stated in writing {$0.00} cash to close and at the signing try and charge me in an attempt to strong arm me into paying. I am not sure if this is due to being a minority or what but this is not an acceptable way to conduct business!!!!
Product: Debt collection

I've tried several times to get information to verify this debt. I have been getting the run around for almost a year about this debt. They have responded with templates from their company not actually acknowledging my concerns. I am displeased with how I am being treated and according to the FCRA you have to send me information verifying this debt. Please delete this from my report.