23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Consumer complaint narrative on XXXX I sent XXXX  XXXX XXXX the following letter : Dear Spring Oaks Capital, I am writing to you pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, regarding the above-referenced account, which you claim I owe {$12000.00} I dispute this debt and am requesting that you provide me with the following information : XXXX. Validation of the XXXX XXXX XXXX detailed list of all payments I have made on this account, including dates, amounts, and the method of payment. o A copy of the original signed contract or agreement that obligates me to pay this debt. I wish to see the signature that I placed on this document. XXXX. Insurance Claims o Any records or documentation of insurance claims that have been made related to this debt, if applicable. XXXX. Proof of XXXX and XXXX of XXXX o Documentation that proves you have the legal right to collect on this debt. This includes proof of the chain of title of this debt, from the original creditor to any subsequent owners, and finally to XXXX XXXX XXXX. As you are reporting this item on my credit report, I request that you also provide me with verification that this debt is valid and has not been satisfied by insurance or any other means. Please consider this letter a formal dispute of the debt and a request for validation as required by federal law. If you can not provide the requested information, I expect you to cease all collection activities, including reporting this debt to the credit reporting agencies, and remove any negative entries related to this account from my credit report. Please provide the requested information within XXXX  days of your receipt of this letter. If you do not provide adequate verification within the legally required timeframe, I will assume that you are unable to validate the debt and will expect you to remove any related negative information from my credit report. The company responded back and sent copies of payments made on the account, which does not prove that I made payments on the account. The company did not provide a copy of the signed contract with my signature of the chain of Title. I sent them a follow letter asking for the information and they stated that my request was duplicate and they will not be responding. The company is refusing to provide me with the documentation. Under the Fair Debt Collection Practices Act I am entitled to proper debt validation, which includes the original signed agreement. The XXXX credit bureaus reports this debt does belong to me, I disputed it with them and awaiting there response and the charges will need to be removed immediately.
Product: Mortgage

Around XX/XX/XXXX, my attorney submitted documents to start a loan modification. We have been informing Wells Fargo for years that they had us in the same Pick-A-Payment loan from XXXX XXXX and this loan was found to be invalid by Superior Court Judge XXXX order in XXXX County NJ. However, we never received a formal denial letter through the mail. Yet Wells Fargo Home Mortgage despite numerous attempts to get their attention to stop their illegal foreclosure and sheriff sale proceedings, they continued to move forward even after being old there were a number of issues in my mortgage. Wells Fargo went on and held a Sheriff sale of our property on XX/XX/XXXX which is a clear FEDERAL VIOLATION of 1024.41 Loss mitigation procedures.I believe that they did this in retaliation for me filing complaints with the State and Federal authorities for their conduct which is deemed illegal.
Product: Money transfer, virtual currency, or money service

Due to my understanding Merrill Lynch weath management an other account who was holding on to my stocks an bonds was using my account with notifying me due to my personal information change in the data systems due identity theft I requested to redeem my asset they holding that is my asset identity theft change my personal information so I want have assistance to my personal property I am redeemed my asset this is evidence showing my asset
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and wrote a few times to dispute the accounts that aren't mine. Transunion, XXXX and XXXX has ruined my ability to establish credit due to their data breach issues. I am being denied credit eur to this and they have failed again with their investigation.
Product: Debt collection

I dont know where this debt came from at all.I need this off my credit
Product: Credit reporting or other personal consumer reports

This account is not mine. I do not recognize this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 brought account current with Citibank Costco Visa anywhere card. 
Paid {$330.00} in charges ; Costco credited {$530.00} to bring the total to {$860.00} due on XX/XX/2020. 

XX/XX/2020 I received a notice from XXXX that a 30 day late delinquency was reported by Citibank in the amount of {$71.00} that was allegedly due and payable also on XX/XX/2020 -- but no written statement shows this amount outstanding. 

I logged into my Citibank online account and the account shows a charge of {$83.00} was charged to my account on XX/XX/2020 -- I called citibank asking for an explaination why my account was marked 30 days late when I brought it current on XX/XX/2020. The 30 days late XXXX has it marked for XX/XX/2020 ; XXXX and XXXX has it marked for XX/XX/2020 is creating economic hardship because i can not qualify for refinancing my mortgage. The 30 days late mark has caused my credit score to  drop from XXXX ( Very good ) to XXXX ( poor ) or 98 points. 

The Customer Service Supervisor stated additional interest ( allegedly ) accrued on my account AFTER bringing the account current between XX/XX/XXXX and XX/XX/XXXX which was due on XX/XX/XXXX. BUT no one would know this because the computer system didn't post the past due interest until XX/XX/2020 when the bill was generated, printed and mailed. 

She told me to call collections, I spoke to XXXX. XXXX removed late {$40.00} fee, removed 29.99 % PENALTY INTEREST rate and PREMIUM PRICING on each charge. He told me to contact Cittbank to have the 30 days late corrected. 

I am XXXX and have had great difficulty writing -- so I found help XX/XX/2020. I have tried to contact Citibank to verbally dispute this charge pursuant to the Americans with Disabilities Act Effective Communications to no avail. 

I also tried to dispute the 30 days late with XXXX, XXXX, and XXXX but I can not access their online websites to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX {$250.00} IN COLLECTION ON REPORT XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX PAID Both of these should immediately be taken off my credit report as this loan was paid, the school XXXX  forgot to add this to my XXXX XXXX, and finally called me after many years for {$250.00} in which I paid and they stated it was NOT a hit on credit report. Please remove. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Reported Account Closed {$2400.00}. Way over XXXX years on report, should be removed. It is now XXXX this is past XXXX years this should be removed off credit report.
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : VALIDATION OF ACCOUNT To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company {$730.00}. 
This letter is being sent to you in response to an entry made on my Credit Report dated XX/XX/year>. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 
Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 
Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed?

I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the CFPB, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 
In addition, the Fair Credit Reporting Act states that while this item is being investigate This letter that was sent by certified mail tracking number # XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> time XXXX XXXX  Est. Through United States Postal Service phone number ( XXXX ) XXXX The certified letter was rejected by the debt collector
Product: Credit reporting, credit repair services, or other personal consumer reports

I gave another try calling to Experian last Tuesday ( XX/XX/2022 ). I call credit bureau every week to follow up and make sure my case being updated. I did not have a pleasant talk/follow up with Experian. I have been transferred for 6 times, to six different department. On the fifth department, this guy still wanted to transfer me to another department, but instead of transferring directly to the department, they are more like general line. So I had to repeat everything again, telling what's the issue and why I were here. That's okay.

Then the 6th agent asked me when were the suitable time to call me back. Everytime, every single time when they could not solve any problem they will come out with this solution. Being said like someone will call me at A.M within 24 hours to 3 days, but none of them from Experian actually called me. And went I next made a call back, the case is " being resolved '' without update. Unfortunately, " being resolved '' is not like the problem is solved, they are more like closing this case without really taking the action. Then I spoke to this guy saying this is not a method to help out, because I have being told to wait for a call since XXXX. Could he actually come out with any other options to solve this? And this guy just hung my call. 

Being imagine, you have being transferred for 6th time, you were on a call for 1.5 hours, and you call multiple times due to transfer back to general line. I have literally sat there just to call for a solution with them for 3 hours a day. It just cant get thing solve.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

Fifth Third Bank holds my car loan. I have been assessed late fees on my car loan payment as they have claimed that I am making it past the cut off time. I usually pay it on the last day I can pay it without accruing a late fee due to how I am paid through my full time job. I am making it through the automated system and it does not state prior to the payment being processed that there is a cut off time to make it or it will be processed the next business day. I have looked online for the cut off time, in my coupon book ( as they don't provide a monthly statement ) and I can not locate a cut off time posted anywhere. I have called in and the rep told me if I talked to a rep to make the payment I would have been notified of the cut off time and I should have received a welcome packet, which I do not have. They are not waiving the late fees and I am not paying them. I'm happy to pay one as if I had known about the cut off time to begin with I would never have continued to make the payment after XXXX. 
Why are they not required to post this on their website, on their coupon book that they send in place of a monthly statement, etc.? Every other credit card or loan I have states a cut off time that you have to make over the phone, online, in person, etc., and it is shown on the monthly statement as well as online, why is this not disclosed on their website that is easily accessible or how is it not sent out when you are late on the payment? How is this legal?
Product: Mortgage

I refinanced my mortgage and the company CMG Mortgage bought my loan. I received a welcome letter telling me that my payment amount was {$2100.00} and given a PO box to send it to. I sent that payment via XXXX XXXX bill pay on XX/XX/XXXX. I checked back in with CMG on XX/XX/XXXX to make sure that they received my payment as I did not want to be late with my first payment and that it was at the end of the grace period. They told me they had not received that payment. I made a payment over the phone then so that I would not have a late payment on my account. I was told by the CSR rep that CMG would investigate and get back to me that never happened. I sent CMG an email asking for confirmation. 

I had not received another mortgage payment bill or email response by the end of the week of XX/XX/XXXX so I called CMG back. I talked to another CSR who read through the notes on my account, and gave me a PO Box to send the payment to. I did a test to see if it worked and it did. I was then advised by the CSR that I should use their online portal as the CMG email account was hacked and they were not responding to direct emails. A fact that the first CSR failed to tell me. I have sent multiple requests through this on line portal. I always receive a message telling me that they have received my message. I was also told that I would need to provide proof that the money was deposited into a CMG account.

I contacted CMG on the week of XX/XX/XXXX trying to get the issue resolved before XXXX. At this time I was advised by the CSR that I would need to escalate my issue, and that she was unable to get a hold of them on the weekends. She told me I would receive a call back within XXXX hours during the work week. I never received that call. 

I called back the week of XX/XX/XXXX with a person from my bank on the phone. I was told that I could not be given the information in the transmittal record because it contained the routing and bank account numbers for CMG. I was placed on hold while the banker worked with the CSR. When they returned to the line they confirmed that the information was accurate and that they would start to process the claim. The banker also sent them a fax and got a confirmation that the fax was received by CMG. 

I had heard nothing back from CMG and reached out them again the week of XX/XX/XXXX and asked for an escalation representative. That rep read the comments in my file and confirmed that they had in fact received the fax. She told me the CSR who entered the ticket for the claim coded it to the incorrect code. She then proceeded to enter the claim under the correct code. I was told that I would receive a call from them in 48 hours. I have heard nothing back. I was also told that the process could take up to 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is violating my consumer rights, damaging my creditworthiness, & sabotaging any chances of securing a new home for my family. Im currently trying to rent/buy a home for me and my family but inaccurate information on my TransUnion credit report is preventing me from doing that. TransUnion is not using reasonable procedures to assure maximum possible accuracy of information on my consumer credit report. The alleged accounts : 1.XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). 2.XXXX XXXX XXXX ( Original Collector : XXXX  ). There is no proof and/or documentation that these alleged debts belong to me. I even sent written communication directly to the debt collectors and they were unable to provide me any validation of the debt pursuant to FDCPA. If the debt collector is unable to validate the alleged debt how is TransUnion able to verify this debt? I sent written communication to attempt to resolve this issue with TransUnion ( See attached documents : Exhibit A ) but they refuse me a proper investigation pursuant to the FCRA. I asked in my written letter to TransUnion to be provided with verifiable proof of the alleged debts and the procedure used to determine the accuracy and completeness of the information. They never provided me this information. Im invoking my specified remedy as a consumer. I demand these accounts be immediately deleted from my TransUnion credit report. Once deleted I demand an updated credit report be sent to any person you furnished my credit report to within the last 12 months. Im looking to move my family into a new home in the next 30 days ; an expedited response will be truly appreciated! 

See attached documents : Exhibit A - Copy of written communication to TransUnion on XX/XX/2021 disputing alleged accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX
Product: Credit card or prepaid card

Bank of America - free Spirit Card, I paid off balance in full before the due date to close the account. They charged me interest anyway- {$1.00}. There is no way to get ahold of them on line and the cost of postage is near what this fee is. I believe this is their way of making it that you can never pay off your account, they will always be charging you interest.
Product: Credit reporting or other personal consumer reports

Inquiries are not authorized by me. Please see attached documents as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX refused to provide me their MOV ( Method of Verification ) for three derogatory items listed on my credit report according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : " if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. '' FCRA 611 ( a ) ( 7 ), which is used for such a request, states : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. Below I have listed the fraudulent accounts on my credit report that should be removed. 

Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX   Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company:XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date:XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Former : XXXX XXXX  XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX MD XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX