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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XX/XX/year>XXXX  Westlake Portfolio MGM XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX ACCOUNT NUMBER : XXXX Subject : Cease and Desist Request for Deletion of Collection Account Dear Westlake Portfolio MGM , I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 


Sincerely, XXXX XXXX
Product: Debt collection

Receivable Management Services ( RMS ) is trying to collect a debt that is not valid. We do not owe XXXX XXXX, in fact we are owed a refund payment of around {$80.00}. 

A certified letter was mailed to both XXXX XXXX and Receivable Management Services ( RMS ) on XX/XX/XXXX. Stating this exact information. RMS signed the USPS return receipt on XX/XX/XXXX, verifying receipt of our letter.
Product: Mortgage

1. In spite of numerous reminders of a down payment involved of the House in Escrow of XXXX, the Officer XXXX XXXX failed/refuse to implement the down payment of House bought prior to Marriage as a part of Escrow distribution of funds. 
2. The Escrow officer XXXX XXXX was reminded of such down payment again again up the the date of Escrow closure, yet today when she was asked of such reimbursement, she feigned ignorance. 
3. The Escrow officer XXXX XXXX violated the Law of Down Payment of House bought prior to Marriage, as deferred responsibilities to lawyers. 
4. The Escrow officer also failed to include expenses incurred to update the house sale, with clear presentations of Receipts of expenses that the Realtor XXXX XXXX is fully aware of such expenses as the realtor XXXX XXXX was the one who recommended the Handyman employee.
Product: Mortgage

I did a modification with loan care XX/XX/XXXX which cleared any past due balance with this company, during this time i was in bankruptcy. in XX/XX/XXXX the bankruptcy trustee sent loan care a check for {$18000.00} this was done in error the trustee was unaware the modification was in place when he sent loan care my money, Bankruptcy did not end in XX/XX/XXXX it was extended to XX/XX/XXXX XX/XX/XXXX loan care informed me they would send the check back to the Trustee this never happened, when the bankruptcy ended in XX/XX/XXXX I was waiting for the trustee to send the check to my attorney, this is when I found out loan care never sent it back. this company stole the money and did not apply any of it to my account, loan care is saying i have not made a payment since XX/XX/XXXX and i am now XXXX XXXX in the neg and they are going to start foreclosure proceedings they are refusing to take any payments unless paid in full, they talked really nasty to me, long wait time on phone, they told me they were not giving it back, my car is about to be repoed and my attorney has not been paid loan care stole my bankruptcy funds that came from my veterans XXXX check and forcing me in to foreclosure again also charging me over a thousand in interest when they have had my check since XX/XX/XXXX the are giving me the run around.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, these incorrect address remain listed : This incorrect address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the course of applying for a job, I discovered a collection account on my credit file from XXXX and XXXX on behalf of XXXX XXXX XXXX XXXX for an ER visit to XXXX XXXX XXXX XXXX on XX/XX/17, in the amount of {$1200.00}. This report is fraudulent, as I was not in Nevada at the time and have not used any ER services in over 10 years. I did drive through Nevada on XX/XX/17 and XX/XX/17 and used my credit card to purchase gas and food. But I have not been back since. 

I disputed the information several times in XXXX with both TransUnion and XXXX, and after speaking directly to a representative from XXXX and XXXX who confirmed that the report was fraudulent, filed a police report with the XXXX XXXX police. I also sent a letter to XXXX and XXXX formally disputing the debt. They sent back their records, which confirm that the person who went to the ER that day was not me. 

Despite this, both credit bureaus simply rubber stamped the report as correct, every time. So today I spoke to another XXXX and XXXX representative, who again confirmed that it was fraud, and said he would escalate the issue. I then called back TransUnion, who gave me the runaround and eventually hung up on me. This is an outrage, and may have cost me a job because the credit unions, as well as XXXX and XXXX, failed to do theirs.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : DPT EDXXXX - XXXX DPT EDXXXX - XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account XXXX : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX  XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX
Product: Debt collection

I was confirmed with that this account was reported fraudulently and to make a police report, which i did!
Product: Mortgage

Flagstar Bank Att : XXXX XXXX XXXX XXXX XXXX, MI XXXX Loss Mitigations Re : XXXX XXXX Loan # XXXX Property Address XXXX XXXX XXXX XXXX XXXX Ca XXXX To whom it may concern I have been receiving threatening letters stating my loan is past due yet my forbearance ends XXXX XXXX. I am enclosing a copy of a recent letter I received stating my account is past due in the amount of {$57000.00}. 

I have called several times about these inappropriate and disturbing letters to discuss the current status of the loan and I was told to disregard the letters. I officially began the process of a streamline loan modification on XXXX XXXX. I was told I would receive a letter in the next 4 to 5 weeks. The application process was done over the telephone by a woman named XXXX XXXX, who would not give out her last name due to company policy. 

She said paperwork will come in the mail and when receive it, I am to fill it out and send it in and they will reach out to me. Meanwhile, she said, the loan stays in and is protected under the forbearance with no adverse credit effects and a member of the hardship relief task force will reach out to me. These were her exact words. 

After receiving another threatening letter last week, I once again called and spoke to XXXX XXXX his employee code # XXXX, he told me the call was recorded for my protection. He looked up the account and verified the loan mod process was underway as of XX/XX/XXXX. He said Flagstar was completely overwhelmed with applications so it could take up to 6 weeks for me to receive a letter with the loan mod offer. He assured me my account was in good standing and the forbearance supersedes any demand for payment. 

Why are you sending me threatening letters that dont apply? I find them very frightening. This is very suspicious and a dubious practice on behalf of Flagstar Bank, especially when your employees tell me to ignore them. If I should ignore them, then they should not be sent. It tells me I am in a bad status of some sort, and I am very concerned. 

I have records of all the calls I made and the names of those I spoke to since the beginning of this forbearance as I made sure I am always in compliance. When I asked for a letter from XXXX XXXX in the forbearance department stating that my account is in good standing, I never received it. 

I do not appreciate these threatening letters and I am asking you to stop harassing me with them as they are not correct. I am also asking for a response confirming that your records show my mortgage is current and in good standing. You brought this on yourself by sending letters to me implying that it is not, and now I want your assurances in writing that everything is okay with my mortgage. 

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

Report number XXXX states my name 's incorrectly as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX. 
Incorrect telephone numbers such as, XXXX XXXX, XXXX XXXX. 
Incorrect employers such as XXXX XXXX, XXXX XXXX. 
Incorrect spouse name such as XXXX. 
Incorrect address for example, XXXX XXXX XXXX XXXX, XXXX, PA XXXX, XXXX XXXX XXXX XXXX, XXXX, PA. XXXX. 

My correct name is XXXX XXXX. 
My correct telephone number is XXXX. 
My correct employment is XXXX XXXX. 
My spouse name is XXXX XXXX XXXX XXXX. 
My correct previous address is, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, PA. XXXX
Product: Debt collection

XXXX XXXX XXXX is representing Velocity Investments LLC and collecting on their behalf. I agreed to pay the debt back and a payment plan was created. I was told by a representative on a recorded call, as stated by the representative, that I would get a notice in the mail agreeing to the payment plan and that I must sign it and mail it back to XXXX XXXX XXXX for the plan to be effective and the attempt to sue will cease. I did receive the notice, however the notice is an agreed judgement against me plus an 8.50 % interest rate per annum for the cost of this action ; which I WILL NOT agree to. That information was not reported via the phone call that I had with any representative. I have a payment plan already set up and agreed to such payment plan over the phone. I did not agree to an agreed judgment via the phone call. They state that conversations were recorded so that should be listened to. XXXX XXXX XXXX which is collecting on behalf of Velocity Investments LLC appears to be trying to force me to agree to a judgment against me while I have a payment plan in place. They also did not state that the letter that needed to be signed by me was an agreed judgement. That seems illegal. Payment plans negate the need for a lawsuit and judgment. They did not do their due diligence to explain the details of the notice and are trying to force me to sign or they will terminate my payment plan and make attempts to sue.
Product: Mortgage

In XXXX, my husband and I started the process of obtaining a construction loan from SunTrust Mortgage. The process has been a very unpleasant experience. Throughout the entire process we were not kept inform of our loan request. In order to kept the process moving forward my husband and I had to call to for the next step. Any time we would turn in paper work that was needed we never knew if what we provided was sufficient. I would have to start calling around XXXX or XXXX in the morning every 30 minutes until I could reach our loan officer XXXX XXXX or XXXX XXXX just to get updates on our loan process. I would send email and get no reply. My husband and I provided all the information that was requested of use as soon as we were told it was needed. My husband called twice and wrote several emails to XXXX XXXX and XXXX XXXX to voice his concerns on how it seemed as if our loan was not being taken seriously. After 6 months of trying to get our construction loan approved and calling to see where we were in the loan process, we were told we were not approved for the loan. XXXX XXXX explained to me how I needed this large amount of money down or in escrow. I asked him to send me the information to my email detailing why we were not approved for the loan. He told me he would send it that day but never sent the email. I got up early that morning and started calling him until I was able to speak to him and not voicemail because he does not return our calls. He said that it was a long and detail letter and he was finishing up the email and would send it. Once again I never got an email. My husband called the next day and was told by XXXX XXXX that he would send an email with the information I requested. We still never got an email. It is a week later and we still have not gotten an email detailing why our loan was denied. I have never been treated so poorly in my life. I am so disappointed that my husband and I were not able to complete this loan process with SunTrust. And at this point time and money have been wasted.
Product: Debt collection

The company is Valentine and Kebartas LLC XXXX XXXX  XXXX XXXX, MA XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX They lied to me and said they had a gift and great news for me and then she said it was illegal not to pay my bills. I explained to them that both my cards were stolen from XXXX XXXX XXXX  and they did not help me resolve the balance and this company said they did not care and threatened to put the account on my credit report although XXXX XXXX has charged the account off. 

If the account is charged off why is this company harassing me and i had nothing to do with them. I am XXXX  and XXXX and on XXXX so can not pay XXXX XXXX back but offered to make payments and not they are saying it is too late because the accounts are charged off. 
XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I went to XXXX XXXX XXXX to get an invoice after viewing on XXXX Credit Report, after the repossession XXXX XXXX XXXX invoice states the pay off balance on XX/XX/2013 was XXXX, XXXX dollars, I ask them to give me a copy of how much they resold the vehicle for, they are reporting a balance on XXXX on my Credit Reports, I ask XXXX XXXX XXXX how they got the balance. They were no help & gave me the runaround
Product: Credit card

Travel Agency is fraudulently charging me for a reservation I did not make nor authorize.

I finally was able to get in touch directly with XXXX XXXX XXXX with the help of XXXX and asked them to send me a copy of the reservation ( attached ). The reservation is fraudulent. I did not authorize this transaction and would like a full refund.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE XXXX Account Name : XXXX  XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  - DATE XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX # XXXX - DATE XXXX Account Name : XXXX  # XXXX - DATE XXXX Account Name : XXXX XXXX XXXXXXXX - DATE XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

The company, " Portfolio Recovery Associates '', has been reaching out to me for some time now. I am not aware of what actions they have taken, though upon speaking with them, it has become apparent that they are not in my best interest. 

This morning at XXXX, a disgruntled representative called me and was adamant about reciting the companies disclaimer. Her and her manager explained that the debt was past the statute of limitations for collections, though the " debt, never really goes away ''. 

A different representative reached out to me several weeks ago and stated that the settlement amount was as low as {$800.00} and that the record of my communicating with them was in the data base that they possess. I requested a copy of our contact history to no avail. 

I am not not sure if they are the same company that said, " we'll find a way to get our money '' in a threatening manner many years ago. Though I am not and have not been available to catch up to several of my account balances as the lines of credit had been opened with the intent to acquire {$5000.00} a month over the course of several years. My business operated at 2008 though never reached the goal of {$5000.00} in month. 

The collections agency, " Portfolio Recovery '', has busied my line of communication for a long while now. Contrary to what they claim, PR has negatively effected my credit score. Contrary to what they claim to have been a none-law suit acquisition of my XXXX  XXXX XXXX credit card and XXXX  XXXX credit card balance, the action of purchasing the account disables me from paying XXXX  XXXX XXXX and XXXX  XXXX. 

I am now aware that I should of requested smaller monthly payment amounts, I did not abandon the lines of credit, I conducted business with the credit lines via monthly payments for as long as a I could manage. 

I attempted to file a complaint this morning with the manager and was not permitted to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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, credit repair services, or other personal consumer reports

The U.S. Department of Education has illegally re-aged my account and has refused to deliver any documents and payment history regarding my account. These are serious violations of the FCRA, and are causing severe damage to my credit reports. I have been in communication with the U.S Department of Education since XXXX oXXXX XXXX. I sent an official letter on XX/XX/2022, requesting any and all information on my account, including the date of first delinquency. These documents have not been furnished, I have sent other letters from XXXX, XXXX. XXXX, XXXX, XXXX of XXXX  and still not received any documentation and the illegally re-aged accounts are still on my credit report, when they are too old to be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Date of birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX Telephone number : XXXX XX/XX/XXXX Dear Equifax, I am writing to dispute the following information that appears on my Equifax consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute 2 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im  the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Thank you for your assistance. 
Sincerely, XXXX XXXX