23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. 

This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. 

Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector * Show me your license numbers and registered agent.

I would like to inform you that in case your agency has reported invalidated account information to any of the 3 main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character If your agency can provide me with the requested documents, I will need minimum 30 days to investigate this information, and during this period of time, all collection activities must be stopped. 

I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when in fact there is no provided proof that it is. 

If your agency/company fails to respond to this debt validation request within a period of 30 days from the date of your receipt, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once. 

I would also like to request, in writing, that no calls should be made by your agency or company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. 

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. 



Sincerely, XXXX XXXX
Product: Debt collection

Rent Recovery solutions is attempting to collect a debt I do n't owe them. I never established a contract with this company at all. Furthermore this company is in complete violation of the FCRA law which has tarnished my name by placing a negative tradeline onto all three of my credit reports.
Product: Debt collection

On XX/XX/2021 via Priority Express mail number XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo Bank received my validation of debt letter specifying I want direct verification of the alleged debt they say I owe. I requested to have the competent evidence of said debt and validation under penalty of perjury and as allowed by law, I also asked them to provide me additional evidence including proof that they are licensed to collect in the state of my place of abode. During the initial 30-day investigation period, Wells Fargo Bank was on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills. Wells Fargo Bank did not provide me direct verification or proof that sufficiently satisfies their claims. Instead, Wells Fargo Bank sent me emails and statements and attempted to collect and alleged debt while the investigation was in place which is a violation pursuant 15 USC 1692g ( b ). Additionally, Wells Fargo Bank continued communicating or attempting to communicate with the Consumer Reporting Agencies about me without my direct prior consent which is a violation pursuant to 15 USC 1692c ( b ) causing harm to my reputation which is also a violation pursuant to 15 USC 1692d ( 1 ). Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ). If there is a debt owed, why is the balance in a positive status? In addition to the statement of dispute, a 2nd notice for Direct Verification, Affidavit of Truth and a Rescission of Signatures notice has already been provided to Wells Fargo Bank by I, the consumer in fact via Certified mail number XXXX XXXX XXXX XXXX XXXX. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. Not only the allege debt is still not directly verified, Wells Fargo Bank has committed several federal violations against me, a Private law abiding Federally Protected Consumer, for which I am entitled remedy. Wells Fargo Bank must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : 1. Reimbursement of all prior compensation applied 2. Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the attachment to further explain this statement.
Product: Credit reporting or other personal consumer reports

I have unauthorized and unverified inquiries on my credit report that needs immediate removal. Under the FCRA specifically 15 U.S code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. The financial institution 's listed below no permissible purpose by law to contact third parties with my private or personal information this offense amounts to aggravated identity theft pursuant to 18 U.S.C 1028A. XXXX XXXX  on XXXX, XXXX XXXX XXXX, XXXX XXXX  on XXXX, XXXX on XXXX, XXXX XXXX on XXXX. I haven't initiated any transactions with any of these companies furthermore I dont have an account under 15 U.S.C 1693a ( 2 ) for review or collection with any of these companies these inquiries needs to be removed immediately.
Product: Debt collection

collection agency called my place of employment and asked receptionist to transfer them to my manager. Company proceeded to interrogate my receptionist until I was able to take the call. Once I spoke to the rep he yelled at me stated he was in process of garnishing my wages and filing a lawsuit unless I paid {$500.00} of a {$700.00} debts that is over 6 yrs old. If I did not agree to terms they stated I would be arrested at my job. I tried explaining that this was the first time I heard of this debt. Person continued to yell and when I asked for their name and name of supervisor I was told that I need to learn to pay my bills. I asked the rep to stop speaking to me in that manner and he continued to talk over me and yell. I explained that I had never been contacted on my personal phone and even provided number and rep continues to call my employer asking to speak to anyone who works with me. They also threated to call my HR director to tell her I do not pay my bills and start garnishment process. They even said everyone in my agency will know I do n't pay my bills. I got very upset and told person on the phone that I can not continue to speak to someone so disrespectful and hung up. The company kept calling me back and yelling at me. I have never in my life been spoken to this way. I am concerned as they stated they are calling back to speak to the head of my company. Company wanted me to set up payments of an amount I could not agree to and I was told " What is wrong with you? You ca n't afford {$70.00} bucks a month and you work. What kind of job do you have. '' At this point in conversation I declined to speak to them and hung up. they have since called my place of employment 3 more times in one day.
Product: Debt or credit management

Good morning, I am writing to you because I have tried to solve the problem with the company TOMO BOOS, here is the link to their website XXXX XXXX XXXXXXXX, my account with them was through my email XXXXXXXX XXXX XXXX XXXX, I have sent more than XXXX emails and the services that they offered of a treadline in my credit bureau for XXXX, it never happened, they made XXXX charges which, seeing that I had no results, I tried to dispute them with my bank and for The time that has already passed, the bank could not help me, that is why I am writing to you, so that you can help me recover my money and sanction this company since it does not comply and this could not continue happening. The charges they made to me were : XX/XX/year> amount {$99.00} XX/XX/year> amount {$79.00} XX/XX/year> amount {$99.00} I am attaching all the emails inquiring about the service, claiming what I had contracted, asking for my money back, I have tried in many ways and had no response. I appreciate what you can do
Product: Credit reporting or other personal consumer reports

I disputed the account many times and keeps popping back up.. XX/XX/XXXX I disputed it.. came off XX/XX/XXXX and reopened right away the same day.. they took it off and put it right back ... ask them prove I open accoubt with them etc ... pretty much account came off and reappear.. they are bad tactics company..please remove from My report.. they moved it to put it back.. please help
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that is being reported on my credit score. The account does not belong to me. The XXXX XXXX XXXX confirmed that they do not have any account on my name or with my SSN. Transunion and XXXX  keep reporting it on my credit without following the FCRA law that requires them to have a copy of the original documentation that proves this account belongs to me and have failed to provide validation or accurate verification with 30 days after my disputes were submitted.
Product: Payday loan, title loan, personal loan, or advance loan

On Sunday, XX/XX/2024 I went online to see what my options were for a short term loan. I was literally bombarded with calls, texts and emails from dozens of lenders and/or sales people. I did apply with a few by providing basic info. I received a call from XXXX XXXX and was told that I was approved for a loan in the range of XXXX but that they needed to phone verify with my bank. I asked what the terms were and the lady who called me said it would depend on the exact amount which they would tell me after the bank confirmation. She said it would be in the range of {$100.00} or so each payday. While I was on the call with her, she attempted to call my bank, I could hear the phone ring and then heard a recording from my bank that they were closed and then the recording gave their operating hours. The lady disconnected that call and said they would try again in the morning. She asked if I would be available at XXXX or XXXX the following morning so that they could attempt the call to my bank then. I agreed and asked again about the process. She explained that she would call me and again call the bank for verification. Further that once the verification was complete I would be given the amount and repayment arrangement details. The following day I did not answer any calls as I had made arrangements with a family member to assist me with my financial needs. It was about a week later I realized that XXXX deposited {$1200.00} to my checking account but I never signed any agreement. I work long hours and was difficult to take time to figure out what to do. Then on my last paycheck XX/XX/2024 - XXXX debited my checking account for {$320.00}! I've gone to their website but am afraid to attempt to create a log in which I am prompted to do to " sign loan documents '', I've been hit a double blow by the massive about of XXXX fees my bank has charged due to overdrafts caused by the {$320.00} - I'd gladly return the {$1200.00} but I used the funds for living expenses not knowing at the time that the funds came from XXXX. XXXX is now due and my account is still in an overdraft due to that payment. How can a company do this when I never signed anything??? Please help me. My pay day is tomorrow and I'm scared of how much they will be deducting from my bank account! I can't believe I am facing eviction from a place I've been renting for XXXX years due to this horrendous company.
Product: Credit reporting or other personal consumer reports

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 I did not give any of these banks nor credit unions the permission to run my credit, I have credit monitoring through Experian, and I noticed that I was getting a lot of inquiries recently. These are fraudulent, please have them removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted a XXXX credit bureaus and most recently XXXX to get my credit unfrozen and unlocked due to someone else accessing my account and chancing my information. And it keeps locking me out and most recently on XX/XX/XXXX there were memos placed on my credit report with information that isn't mine an a phone number I have never had. I moved to XXXX XXXX and recently had my wallet stolen and it has been a completely aggravating time trying to get my credit reports and credit back to where only I have access to it, even acquiring XXXX to help monitor my credit and my information from getting on the dark web and being used. I have had the most difficult time in an already stressful and difficult situation. I just want my credit reports to have the correct information and only MY INFORMATION and for the credit bureaus to do there job for me, a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit reporting act, The last of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 1681 Account Name XXXX XXXX XXXX ... Account # XXXX Account Name XXXX .... Account # XXXX Account Name XXXX XXXX .... Account # XXXX Account Name XXXX  XXXX .... Account # XXXX Has violated my right.. 
15 u.s.c. 1681 section 602 A, State I have the right to privacy.

15 u.s.c. 1681 section 604 A, section 2 it also state a consumer reporting agency can not furnish a account with out my written instructions.

15 u.s.c. 1681 c ( A ) ( 5 ) section state no consumer reporting agency may make any consumer report containing.

15 u.s.c. 1681 section 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: Mortgage

To Whom It May Concern, I am writing to file a formal complaint against Movement Mortgage concerning the handling of my FHA loan assumption process. My name is XXXX XXXX, and I hold a mortgage loan ( Loan Number : XXXX ) for the property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

Background : I had been in contact with customer service representatives at Movement Mortgage and received both verbal and written confirmations that a qualified investor could assume my FHA loan. Based on this information, I proceeded to secure a buyer who is an investor for my property. 

Issue at Hand : Contrary to the assurances provided by Movement Mortgage, the company has now informed the buyer that due to his status as an investor, he can not assume the loan. This contradiction is not only perplexing but also detrimental to my interests, as I acted based on the initial information provided by Movement Mortgage. 

Furthermore, the FHA website clearly states that FHA loans are assumable by investors, which directly contradicts the information now being provided by Movement Mortgage. 

Demand for Action : I urge the CFPB to investigate this matter and ensure that Movement Mortgage honors its initial commitment, allowing the loan assumption by the investor buyer without further delay. 

I have suffered significant distress and potential financial harm due to this miscommunication and inconsistency on the part of Movement Mortgage. I seek a swift resolution to this matter and hope that this complaint will prompt the necessary corrective action. 

Thank you for your attention to this matter. I am willing to provide any additional information or documentation as required. 

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

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality Background checks Child support Dmv
Product: Debt collection

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 Transunion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear XXXX XXXX and TransUnion This letter is a formal complaint that you are reporting inaccurate and incomplete information to my consumer report According to 15 U.S. Code 1681, all information that is reported to my consumer report has to be accurate and timely. The items that I have listed below do not belong to me and I am requesting them to be removed. 
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 I had nothing to do with these accounts I did not authorize any of them sometime ago, I end up losing my Social Security card and I believe I am a victim of identity theft Sincerely XXXX XXXX
Product: Mortgage

Hello, I want to inform you that I was making a modification with Selene. I sent them all the documents they asked me for before XX/XX/XXXX. I called them every day, they told me that everything was fine and they cancelled the modification. I think it's abusive. After I paid the accountant for all the wasted time, they are bureaucrats. After more than 10 calls they told me everything was fine, just wait and they cancelled everything.
Product: Mortgage

I was incarcerated for 1.5 years. I just got XXXX and are currently living in a XXXX. During the time in XXXX I has limited availability to work on proceeding with the short sale. I have tried to work with citi to prevent the foreclosure of my property. I am currently working with a Realtor. We have a buyer and all of the short sale documents sent to the lender. We have a schedule sheriff sale date tomorrow Friday XXXX XXXX. I am requesting the sheriff sale be postponed to allow us time to proceed with the short sale. Please make Citi work with us to do the best thing for them and myself - allowing the sale as a short sale
Product: Vehicle loan or lease

I contacted XXXX XXXX XXXX on XXXX/XXXX/XXXX, regarding the purchase Contract signed XXXX/XXXX/XXXX. After seeing the term of the loan in my online account ( 75 mos ), I was confused because my Husband and I both were always under the impression that the term of the loan was 60 mos, and not 75. We have purchased many vehicles, and always pay attention to the terms of our loans.
The Salesman, at the time of purchase, presented us with a deal that reflected a 60 month term. Upon entering the finance department, we were under the impression we were getting the same deal, and signed the loan documents electronically. Myself, nor my Husband recall ever being told the term was 75 mos. We would have never agreed to that duration. I just recently came across this information online, thus the questioning 3 + years after purchasing. I have a signed Sales Contract, which includes a Truth in Lending, but the Truth in Lending was not signed as a separate disclosure.
The Finance Manager at XXXX XXXX XXXX told us we signed the documents, and it would have been explained to us at the time of purchase. He is right, we did sign the Contract, and the terms SHOULD have been made clear to us, but they were not. 
I feel like we were baited and switched with the terms of our loan, without our realizing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report in XX/XX/2021, I noticed these accounts are still being reported inaccurately. I have sent correspondence disputing this inaccurate information on XX/XX/2021, and XX/XX/2021. I HAVE REPORTED TO EXPERIAN THAT PER THE FAIR CREDIT REPORTING ACT, XXXX XXXX HAS FAILED TO PROVIDE ME WITH A COPY OF ANY VIABLE EVIDENCE, BEARING MY LIVE SIGNATURE. I have never done business with XXXX XXXX, nor have I signed any contracts with this company. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a Consumer 's Credit Report. I am requesting XXXX XXXX delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX and XXXX directing them to REMOVE this erroneous entry as well. 

XXXX XXXX XXXX XXXX XXXX. XXXX VA. XXXX XXXX {$1500.00} Acct no. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX VA. XXXX Balance {$1600.00} Acct no. XXXX