23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collection account listed by your agency on my credit report, referenced by the account name [ XXXX XXXX XXXX ]. I believe this debt is either inaccurate or invalid due to the following reasons : 1. Debt Sold Without Proper Notification : I was not properly notified that the original creditor had sold my debt to your agency. I request proof that you have the legal right to collect this debt.

2. Account Information Discrepancies : Account reported was open XX/XX/2024 with a balance of XXXX 3. Verification of Debt : Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide validation of this debt. This includes a copy of the original agreement, proof of the amount owed, and a clear chain of assignment from the original creditor to your agency. 
Please provide the following documentation to verify the debt : The original signed contract or agreement. 
Proof that the debt was transferred to your agency and the full chain of ownership. 
Any relevant statements or records of the debts history. 
Until the debt is properly verified, I request that you cease reporting this collection account to the credit bureaus. If you are unable to provide the requested documentation, I ask that you remove this collection account from my credit report immediately, as it is being reported inaccurately. 
Please note that under the Fair Debt Collection Practices Act, you are required to respond to my dispute within 30 days. If you do not respond or fail to validate the debt, I request that this entry be removed from my credit report. 
Thank you for your cooperation in resolving this matter. I look forward to your prompt response.
Product: Credit reporting 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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: Credit card or prepaid card

Citibank is failed to show proof that they paid the merchant and because of nonpayment from Citibank the merchant canceled my subscription. And which Citibank is not giving any assistance on showing that they have paid the merchant. Which Ive already paid city bank and full for my part but city will not release or show any routing number that they did their part to pay the merchant.
Product: Mortgage

Select Portfolio Servicing Inc on behalf of XXXX XXXX- XXXX XXXX - XXXX Trust c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , DE, XXXX keep harassing me even though my mortgage is up to date. 
As of XX/XX/2018, the above entities bought my mortgage from XXXX XXXX XXXX  and has removed the mortgage payment from my checking as automatic withdrawals yet it keeps sending me letters stating that I owe a late fee for late payment. I have written t the company for clarification and since then have sent me multiple letters demanding I pay off my mortgage, multiple letters that make it seems that my mortgage is late ( including late fees ), and I am not capable of paying my mortgage, even though the funds are withdrawn directly from my checking account by SPS through Automatic drafts. I have received a total of 10 letters implying that I am having difficulty paying my mortgage and I have received 2 letters demanding I pay off my mortgage. Since this company is a debt collector, I am very concerned that erroneous information will be provided to anyone with whom this company shares information. 

1. This harassment is not appropriate. SPS is a debt collection agency and I want to know if either entity has the right to demand a payoff. 
2. since it is a debt collection agency, any documentation within its records can be shared. This is libelous and injurious to my credit worthiness and it appears to be a deliberate effort to sabotage any effort on my part to refinance with another mortgager. 

Today, I received a second note requesting a payoff of the mortgage. I have written to SPS and have not received a adequate response, yet I keep receiving notices that I owe late fees, that a payoff is required by XX/XX/2018 I do not trust these companies ; My mortgage is current and up to date. 

I truly believe this is how these two companies work to obtain high valued properties by creating false delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is trying to collect on behalf of XXXX XXXX for an unknown debt. XXXX XXXX XXXX   has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1300.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
Product: Debt collection

This law firm Kimball Tirey St John LLP whom I have never heard of or worked with is in complete violation of FDCA and knowing intent to breach Fair Housing laws on behalf of their customer. They suddenly contacted me and began harassing me with letters and phone calls beginng XX/XX/XXXX. Interestingly enough during the time frame that they were sending the letters to me they just went ahead and illegally posted a false re-aged debt to my credit report which has the month XXXX XXXX ' on it ... Their letters even acknowledge that the 'false debt ' would be past the statue of limitations, but they went ahead and fraudulently re-aged the false debt for XX/XX/XXXX posting {$5200.00} ' to my credit report. 

I paid my rent during my tenancy which began in XXXX and ended in XXXX and they are attempting to receive payments for rent already paid which is appalling. For background, after much discussion and the inability of the apartment complex to provide alternative safe housing accommodations for me I terminated my tenancy early due to unsafe living conditions resulting from the incident with the Sheriff 's department and the neighbor. Please note per fair housing laws Requiring the payment of any fee, the landlord may be committing housing discrimination and therefore may open themselves up to liability under the Fair Housing Act.
Product: Mortgage

Nation Star Mortgage bought my mortgage from XXXX XXXX XXXX several years ago. I have n't lived there for over XXXX years and it has been in various stages of the foreclosure process for years. Nation Star changed the locks on the doors, so I ca n't get in. 
On XXXX occasions last week, someone has left a hand written envelop with information from Nation Star on the front porch of my current house. They have hand written " Personal and Confidential '' and my name on the envelope, but there is no identifying information of who left it or how we can contact them. They are trespassing on private property to leave these envelopes. When we contacted Nation Star to find out about this practice, they refused to answer any questions or let us talk to a supervisor. My husband, who owns the property they are trespassing on, does not have an account with them, but they would not acknowledge having someone deliver these documents to his house. 
This is unprofessional and seems predatory to have hand delivered items left on a door step with no identifying information. That the company refuses to answer questions about their practices is also troubling. If they are authorizing this type of behavior, they should be able to acknowledge this is their practice to anyone who asks - especially someone who has had it happen to them. Also, to not allow us to speak to a supervisor, or someone other than the phone rep who has no authority, is horrible and leaves people feeling helpless. We will call the police and report the trespasser if they do it again, but they should not be treating people like this.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file is listed on my credit report. XXXX XXXX XXXX XXXX  Balance : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for a loan to buy a car and the company contacted equifax for my credit rating. I was unable to buy the car because of problems on my equifax report but I did not know at the time that Equifax had refused to " accept your obligation if the transaction was completed. '' I did not notice this until I received a report from XXXX XXXX. I was shocked to find in the report " Too few accounts currently paid as agreed. '' The latter baffled me because I have consistently paid my credit card bills on time, and for the most part I pay off my balances monthly and my credit score on their report was XXXX. 

I called Equifax to try to get more information and was told that " too few accounts currently paid as agreed '' no longer showed up on my credit report. The person I spoke advised that I could pay {$20.00}. per month to get credit reports so I could monitor and respond regularly to my credit report. I declined the opportunity to pay the credit agency to make my reports accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off National Recovery and they started calling every month for XXXX after stating I owe them I paid 3x 's after I recovered my credit National Recovery Agency in Pa reported it to Credit Bureau all but XXXX have removed it. 
I had bank statement receipts of the payments its like they're systemically trying to sabotage my score. Also I have these ppl at XXXX who are harassing me. 
I canceled ent them and sent receipts stating I had insurance with another company days before my next payment was due I canceled I got a settlement of XXXX and I cleared my credit with it all I had was XXXX worth of debt. 
I'm going through health problems and I am not doing this, I don't need anybody extorting me for money I don't owe.
Product: Consumer Loan

We have asked Chrysler Capital, the holder of our automobile loan and lien to provide the following to us 3 times now and they have refused : A detailed accounting of our auto loan including : Amounts Paid Dates Paid Means by which the payment was tendered/made Total payoff amount
Product: Checking or savings account

I used a XXXX XXXX off XXXXXXXX XXXX and advertised as legitimate. My Chime account was used. At the same time my phone, email, banking, and social media accounts hacked and shutdown Chime. When I requested a refund of funds due to not receiving my product being scammed. I have went through the Chime denial process which I dont agree with. We as Americans have A foreigner, making decisions of allocating funds to Americans, this process creates a dissidence between refunds, American laws, timeliness in the allocation to take place. I was refunded a partial amount on another account. The amount is {$15000.00} and its a federal crime. The dispute number is XXXX and I have kept on filing a reconsideration. Is this because Im XXXX XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/XXXX with regards to my request of removing the items in question and my last request was sent XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$290.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$72.00} Date Opened : XX/XX/XXXX
Product: Credit card or prepaid card

My identity has been stolen and Discover Card is part of that as I reported to the Federal Trade Commission this is going on for XXXX months now I sent everything I could send to them as evidence and they denied me XXXX on XX/XX/XXXX I received a letter from Discover Card saying I wanted to back out of the fraud charges that was a big LIE I never said that, as from the beginning the XXXX charges are Unauthorized Fraudulent charges and need to be taken care of the bank and myself are still waiting to hear from XXXX I believe you are as well its almost the 60 day mark and nobody has heard from them I sent paperwork to Discover that they requested they are still denying my claim now they lie on the letter and say I pulled the fraudulent charges against them which I did not but that's what they do I guess just like their false advertising on TV get a discover card today if there is fraudulent charges on your account we will remove them no questions asked that is a huge lie and very deceiving to consumers I think that commercial should be pulled from TV all I want Is charges to come off credit card i did not authorize them and they are fraudulent I Spoke to XXXX on XX/XX/XXXX they want more paperwork evidence I gave them what I have they want new there is nothing new waiting to hear from XXXX I'm trying to save my credit but when your identity is stolen you are treated as criminal very sad.
Product: Debt collection

Additional info on XXXX asked to refile XXXX XXXX Egon P Singerman Proceeded to sue me over a supposed debt late found to be represented by fictitious documents in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I brought up improper venue numerous times. Only to find out XXXX XXXX was using his office as my address to qualify me as an Ohio record When questioned about such tactics, XXXX XXXX proceeded to mention, that he was exempt from standard debt collection practice, and that it was not in his best interest to pursue licensing in all states and pursue suit in defendant 's home courts, and using his office 's address as plaintiffs was standard practice. Being a XXXX  resident I was unable to secure adequate counsel to defend me. Upon consulting with local attorneys in XXXX, but not licensed in XXXX, I was advised to not worry about it unless it was filed in Tennessee XXXX XXXX later used the fictitious/fraudulent exhibits against me. Fast forward to XX/XX/year>, and without notifying Tennessee courts or communications. XXXX XXXX proceeds to his office address as notice to execute a bank levy, of which I was abruptly notified today, XX/XX/year>, by my bank, XXXX XXXX. I attended a hearing on this XX/XX/year>, presided over by administrative law judge XXXX XXXX. The court was noticed about the previous death threats, and they upheld that termination of life by a bullet is an accepted debt collection method in XXXX. They were also noticed the fraudulent documents in the docket which they acknowledged they were in receipt, but acknowledged Ohio lawyers were exempt from prosecution if it helped prove their case. 
Attached Contract XXXX XXXX points to Paragraph XXXX where case it is to be heard in XXXX XXXX, Fraudulent accounting log provided by XXXX XXXX and my audit of said log
Product: Vehicle loan or lease

On XX/XX/year>, I traded in my new XXXX XXXXXXXX XXXX that I had recently purchased from XXXX XXXX XXXX because it was a XXXX. Instead of going through legal matters, XXXXXXXX XXXX XXXXXXXX the finance XXXX agreed to give me {$23000.00} of trade-in allowance with an additional {$3000.00} cash from me and promised that the owed finance amount and monthly payments would be less than the XXXX I XXXX trading-in. So, I proceeded to go through the process of acquiring the new financing for the XXXX XXXX XXXX XXXX Sport with XXXXXXXX XXXX XXXXXXXX. I repeatedly asked him about the owed finance amount through the process of XXXX  the documents, XXXXXXXX XXXX XXXXXXXX assured me again that it would be less than the XXXX XXXX I was trading-in. Upon completing the paperwork, I asked XXXX XXXX XXXX for a copy of all documents on a XXXX XXXX. XXXXXXXX XXXX XXXXXXXX assured me that everything was on the XXXX XXXX. A few days later, XXXXXXXX XXXX XXXXXXXX called me and asked for me to come to the dealership because we had to change lenders. Upon arriving, I found out that I would be financing through Suncoast again. I asked was there any changes in the contract before I signed anything, which he assured me that everything was the same. Upon completing the XXXX, I asked for a copy of all the documents on a XXXX XXXX and physically signed a form giving Suncoast authorization for automatic withdrawal from my checking account. XXXXXXXX XXXX XXXXXXXX thanked me and said the copy of my XXXX  would be mailed to me. I have yet to receive any documents from XXXX in reference to the revised finance agreement and was never given a copy of the original sales contract. After months of delay and receiving past due payment notices from Suncoast for the XXXX XXXX loan, I reached out to XXXX and Suncoast. I never received a reply from XXXXXXXX XXXX XXXXXXXX but was able to reach a loan XXXX at Suncoast. She informed me that the original loan had not yet been paid off from XXXX and that was the reason I was receiving payment past due notices. She put in a payment extension for me and advised that I contact XXXX. A few days after, I received a phone call from XXXX XXXX department informing me that XXXXXXXX XXXX XXXX was no longer working there, and the associate was finalizing the deal for him. He asked what my method of payment was, in which I informed him it was XXXX XXXX. I also took the time to explain to him the entire situation, so he would understand the nature of the agreement. He said that he understood and assured me that everything was being handled. On XX/XX/year>, a new loan notice was issued to me from Suncoast for an extensive amount. On XXXX XXXX, an unauthorized electronic transaction was made to my XXXX XXXX checking account by XXXX for {$3000.00} that had already been paid with my XXXX XXXX card, which is entailed on a separate complaint. Through this entire scandal I've been manipulated, undermined, and XXXX XXXX XXXX XXXX This is a clear case of culpable negligence and a violation of consumer protection laws.
Product: Credit reporting or other personal consumer reports

I did get a loan from XXXX XXXX in XX/XX/XXXX of XXXX. That hard inquiry is valid, however the other two from XX/XX/XXXX and XX/XX/XXXX of XXXX are not. 
I did get a loan from XXXX on XX/XX/XXXX of XXXX and did pay it off, but the hard inquiry from XX/XX/XXXX is not one I made. 
XXXX XXXX hard inquiry is not one I made. 
The XXXX hard inquires on XX/XX/XXXX and XX/XX/XXXX are not ones I made. 
The XXXX XXXX XXXX XXXX hard inquiry from XXXX XXXX is not one I made. 
The XXXX XXXX XXXX XXXX from XX/XX/XXXX hard inquiry is not one I made. 
The XXXX XXXX from XX/XX/XXXX is not one I made.
Product: Student loan

Mohela is servicing my dept of education student loans and my XXXX student loans, both public and private. Mohela has not been able to provide me with any information on any of my loans for more than a year. I can't even see my account information online and I have requested info by email, through cfpb complaints, and over the phone. 

When I call mohela, the first rep always say that a senior rep has to handle it and then they transfer me to a line that never picks up. They do not return calls when using the automated call system or do not speak and then end the call. Today a rep who couldn't access my account gave me the number for the cfpb instead of the Mohela unit that manages the XXXX accounts, which she also said she was, but she couldn't see anything. 

Mohela and their XXXX held accounts owe me refunds for payments on XXXX XXXXXXXX XXXX loans that were cancelled through XXXX XXXX XXXX. The dept of Ed sent their refund, but not the mohela and XXXX held loans. 

Mohela is doing a horrible job at servicing the department of education student loan accounts and has the worst customer service I've ever experienced. And I dealt with XXXX for XXXX years, so that's saying a lot! 

I'd like a clear explanation of which of my loans are eligible for cancellation and refund, per the XXXX lawsuit, which payments are eligible for refund, the total refund, and when I can expect to receive the check. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I hope everything is good. I sent you a letter over a month ago it was dated XX/XX/2021 and I was expecting to get a letter or notification regarding this but I haven't. i was told to go to this website to reach out to you and request to check my letters. I need those errors to be fixed as soon as possible so please do investigate and remove that inaccurate and misleading information immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried multiple times having these items remove from my consumer report and nothing has been done about it under the federal law it clearly states that I have a right to privacy as it is there grave responsibly well as they had no promissible purpose to furnish these my personal information has been put into the world. 15 usc 1681b ( XXXX ) - a consumer reporting agency may furnish a consumer report under the following in accordance with the written instructions of the consumer 15 usc 1681a ( XXXX ) -congressional findings there is a need to insure agencies exercise their grave responsibility with fairness impartiality and respect for the consumer right to privacy
Product: Mortgage

Initiated a XXXX  year fixed rate mortgage on XX/XX/XXXX with XXXX. The loan is serviced by Dovenmuehle Mortgage , Inc . In the Private Mortgage Insurance Disclosure, dated XX/XX/XXXX was an Automatic Termination of PMI dated XX/XX/XXXX. XXXX Mortgage continued to charge {$50.00} monthly for PMI beyond the automatic termination date. In a letter dated XX/XX/XXXXXXXX XXXX XXXX informed us that PMI would no longer be collected going forward. 57 monthly payments of XXXX were collected between the automatic termination date ( XX/XX/XXXX ) and the notice of PMI termination ( XX/XX/XXXX ), equaling {$2800.00}. A certified letter asking for a refund of this amount XXXX {$2800.00} XXXX was received by XXXX Mortgage on XX/XX/XXXX. No response has been sent to date.