23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

FULL DEPOSITION TRANSCRIPT OF XXXX XXXX XXXX XXXX XXXX / XXXX XXXX attached fle fraud assignments in county land record use as prove of standing in county court, bankruptcy court house when its fraud assignments was discovered and challenged, XXXX XXXX move the serivicer to secondary services select portfolio servicing. why are the substitute trustee keep changing when fraud are discovered. there have being over XXXX debt collectors trying to collect on debt using fraud assignments upon fraud discovery the services select portfolio serving keep moving file to another fraud debt collectors to avoid detection of fraud and moves the files to one substitute trustee after another the original trustee wo n't have any part of this process which could produce liability disproportionate to any reward.And what point is the Trustee on the Deed of Trust, whether original or substituted, liable for subsequent misdeeds that amount to fraud? For example, if the original trustee has knowledge ( which all of them do now ) that the substitution is invalid then the original trustee is still the trustee on the deed of trust. Why wo n't they initiate the foreclosure process and fix the problem? Answer : Because they know they are dealing with fraudulent document, instructions and representations. The same rules probably apply to the substituted trustee. 
I think it might be important as it appears to be a widespread practice in the preparation of Appointments of Substitute Trustees by these debt collectors law firm 1. Defunct debt collector law firms of XXXX and " foreclosure mills '' including defunct law firm XXXX, ( file bankruptcy ) aka defunct debt collectors law firm of XXXX, ( file bankruptcy ) the sold to debt collector law firm XXXX, they abruptly shuts down without notice all of these debt collectors who and either shuts down as soon as the evidence of fraud is are being brought to light It concerns the Appointment of Substitute Trustee in my case .As pointed out by XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this company {$290.00} which after reading I now know it was against the law for them to charge me before doing any work. Anyway I paid them {$290.00} on  XXXX   XXXX ,  2017  to remove inquiries off my credit report. They insisted I pay through   XXXX    because   XXXX   wouldnt allow credit repair payments. I now know its all part of their scam. They promised results by that weekend the results never came I messaged them and it was first just excuses then turned to them being rude and almost threatening. I have researched this scammer and have found many people who they have also scammed and they are also filing complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report so I could progress with purchasing my first home XXXX reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I noticed these fraudulent reportings on : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I enrolled in a Marcus Bank ( by Goldman Sachs ) promotion on XX/XX/XXXX that, depositing {$10000.00} into my online savings account for 90 days and getting a {$100.00} bonus. I originally had {$5000.00} in that account before the new deposit and had set up a recurring transfer the {$5000.00} out and in to keep the account active. I never withdraw the {$10000.00} new money that I deposited on XX/XX/XXXX, and my account balance never fell below {$10000.00}. However, today the Marcus Bank representative told me because I moved the original {$5000.00} ( that's not related to the {$10000.00} new money ) in and out, I lost the promotion. That's unfair because I never touched the {$10000.00} new fund, I only moved the {$5000.00} that's already been in the account long before the new deposit happened.
Product: Debt collection

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Product: Debt collection

I used a credit repair agency take care of the only collection on my credit report. The bureaus Inc. could not verify the account belonged to me therefore it was removed from my credit report previously. XX/XX/2018 the collection company started reporting to my credit report once again, hindering my ability to proceed with a mortgage loan. If they were unable to verify the account belonged to me, I want to see the proof to verify the debt. I currently have an open credit card with XXXX XXXXXXXX ( the original creditor according to the bureaus inc ). I dont want to see my information verified for an account not verified belonging to me with information from my open credit card. I should be protected against the unlawfully verifying of a debt under the fair consumer reporting act.
Product: Credit reporting or other personal consumer reports

Please see my attached XXXX for the XXXX dated XX/XX/year>.
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 under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX XXXX. Has violated my rights. 15 U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

Hi, I am reaching out about the following information provided below. The items listed on this document that have been reported on my credit is incorrect. This information needs to be removed due to inaccuracy. I am a victim of Identity theft and the accounts listed below are unrecognizable charges. I reported the theft of my identity to The Federal Trade Commission, and Ive obtained enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I am respectfully requesting the removal of the inaccurate accounts and inquiries that were reported on my credit report. I appreciate the help. Thanks in advance. 
Ive noticed these problems on XXXX, 2024
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XX/XX/XXXX Subject : Dispute of Unauthorized Credit Inquiry XXXX : Account # XXXX To Whom It May Concern, I am writing to dispute an unauthorized credit inquiry that appears on my credit report. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, I believe this inquiry was conducted without my authorization or permissible purpose, and I am requesting its immediate removal from my credit report. 

The unauthorized inquiry is listed as follows : Date of Inquiry : [ XX/XX/XXXX ] Company that Made Inquiry : [ First Progress ] Under 15 USC 1681b, a credit inquiry may only be made under specific circumstances, such as : When the consumer has initiated the transaction or request.

When the inquiry is for a legitimate business need related to a transaction initiated by the consumer.

For account review purposes by a current creditor. 
For employment purposes ( with written consumer authorization ). 

I have not authorized any credit inquiries with [ XXXX ] on or around the date mentioned above, nor do I have any existing relationship with them that would warrant such an inquiry.

I am requesting that you : 1. Investigate this matter with the company listed above.

2. Remove the unauthorized inquiry from my credit report.

3. Provide me with written confirmation of the removal.

Please find attached a copy of my credit report highlighting the unauthorized inquiry, a copy of my drivers license, and a utility bill for proof of address. I appreciate your prompt attention to this matter and look forward to your timely response within the 30-day investigation period mandated by the FCRA. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I was making a deposit and the teller only credited me with {$500.00} less that I gave them and therefore I have requested them to explain to me where the other {$500.00} went and they have not responded back to me. It has been over a month since I have made this transaction without resolution.
Product: Checking or savings account

The below complaint was not addressed, despite request by the bank for additional time which was over a month ... 
As I've stated before in numerous past complaints and again here, a closeout check in the amount of XXXX was sent out on XX/XX/XXXX via XXXX next day air, intercepted by another party the following day on XX/XX/XXXX. I left for vacation on the morning of the XXXX, a XXXX XXXX with XXXX XXXX XXXX picked me up around XXXX XXXX, drove me to XXXX XXXX in XXXX, MA, my flight left around XXXX XXXX. I have attached a statement from Mr XXXX stating he picked me up at my address on said date and time. I believe XXXX dropped off the package in the late afternoon, I was not at home as I had left at XXXX XXXX. The check was intercepted by a XXXX XXXX, my signature forged on it, deposited to a XXXX XXXX XXXX  which is not my account. I was able to reach a cousin whom lived here prior from XX/XX/XXXX to XXXX of XXXX, I moved in XXXX of XXXX. His now ex-wife 's name is XXXX XXXX and she was here on XX/XX/XXXX visiting a neighbor in XXXX XXXX next door, it appears she intercepted the check, signed and cashed it into her account. Prior this, a check for same amount was sent on XX/XX/XXXX, received on XX/XX/XXXX, which had a stop payment placed on it. The check was deposited to my XXXX account, returned back and numerous overdraft and returned check fees assessed which Capital One reimbursed me for. However, the issue of the fraud check is still ongoing since XXXX. A XXXX XXXX with Capital One has provided info showing the XXXX XXXX XXXX account was at a brief time linked to my Capital One account, in which case my account was compromised and hacked into. A rep with security intake team removed the account on his end manually after speaking with me on the phone, realizing it is fraud. Further, XXXX refers to a check deposited to my account from the XXXX XXXX account which I believe my account was used again, possibly to move funds, this is another reason account was since closed by Capital One. The information she has shown is all circumstantial ... .. I was not at home to receive check, sign and cash it. It was deposited to a XXXX XXXX XXXX account which is not mine. Capital One refuses to check signatures on checks, one received on XX/XX/XXXX and second intercepted check, signatures are different from another as I did not sign check sent on XX/XX/XXXX and taken by XXXX XXXX. In closing, please advise Capital One they need to provide a mailing address to send notice of small claim suit as well as copies of all checks, two in the amount of XXXX and additional check which covers fees charged by XXXX due to stop payment. I require all this info in order to file small claim suit. Another option would be to reissue check for funds owed to me.
Product: Mortgage

I filed a claim with my homeowners insurance company back in XX/XX/2023 received the check from my insurance co. had to sign it and send it to Mr.Cooper to sign and release funds I sent the check with the insurance adjuster 's paperwork that they wanted to have, many months go by and they have not released the funds so I check online and they said they did not received the paperwork for the adjuster so I sent it again more time goes by and sent it again because they keep losing the paperwork so I sent it again today XX/XX/2023 been talking to them just about every week but there is always something holding up the check and it is always them stating that they did not get all the papers from the insurance adjuster that I had sent many times over, The check was in the amount of {$72000.00} as I read thru XXXX  I see a lot of these remarks from people that Mr. Cooper is holding the insurance check ransom from people who have had a claim for their homes. I have even asked Mr. Cooper if they would call the insurance company to get everything that was supposedly missing from all these times that I have send the paper work to them and of they even stated they would call themselves as this is just unreasonably taking too long and they should have notified me about the missing paperwork from the claims adjuster even though I have sent it over to them multiple times over and it still gets lost, I don't think they are losing anything I think they are just holding the money in a bank collecting the interest off the checks that they receive for homeowners claims that they get. Mr. Cooper has had my insurance adjuster 's paperwork for months now with the check while my house is falling apart because of their negligence on getting the check issued for the roof to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

A child support debt is reporting on my credit profile that is hindering my approval odds and I did contact them to ask that it be removed the fact they committed fraud, nor had jurisdiction for a signature to enforce these terms of the debt... I never agreed to the terms or had the right to due process in judicial court! No judge has signed off to make it fair dealing with the circumstance under commercial code 15 USC
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
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXXXXXX Balance : {$62.00} XXXX XXXXXXXX Balance : {$62.00}.
Product: Student loan

My account was never close to 60 days past due, much less 30 days. There was XXXX instance where the account was meant to be placed on forbearance, but a payment was incorrectly set to withdraw from the wrong account by the representative. This was promptly corrected. 

I respectfully request that this inaccurate reporting be removed. Although the loan was originally set for a XXXX term, I paid it off approximately XXXX  years early, fully closing the account in XX/XX/year>. This early repayment highlights my commitment to responsible credit management and timely payments.
Product: Debt collection

I filed a complaint against the company for trying to collect a false debt from XXXX previously on XX/XX/19 with the CFPB. I am trying to close on my home and am clear to close. They are maliciously still holding the debt in house and have not sent it back to the creditor at all. They stated below that they are not collecting the debt but yet they are still holding the debt from XXXX, the original creditor. 

The attorney is intentionally not releasing the debt to XXXX so that I can satisfy the charge off so that I can close on my home. 

I have also copied and ccd XXXX XXXX  and and attorney on this complaint so that I make sure Im following all steps required beforehand.
Product: Student loan

My claim is in response to recent allegations brought against Navient. 

In 2009 I took out XXXX student loans through XXXX, which were later sold to Navient. XXXX loan as been paid off with XXXX My claim is in response to recent allegations brought against XXXX and Navient. 

In 2009 I took out XXXX student loans through XXXX, which were later sold to Navient. XXXX loan as been paid off with XXXX remaining open. 

To pay off XXXX of the XXXX loans, I placed a large payment with Navient to clear the principal balance in its entirety. The next month, I received a bill showing the loan had not been closed. When I contacted customer service, they informed me that as opposed to applying the total payment to the principal, they amortized it over the life of the loan, applying it toward future interest and principle payments. I was eventually able to have them restructure this payment to close out this loan, but not without great hassle. At no time upon initial payment was I told the amount would be amortized. When the amount was paid, I had specifically instructed to close the loan and pay the principle in full but this was not done. 

Prior to payoff of this loan, one year out of XXXX school, I was tight on cash and called to see if there was anyway to reduce my monthly payments so they would be more manageable. I was instead encouraged to take a forbearance. I was told it was a " great way to catch up '' because payments would n't be due for 3 months. At not time was I notified of the negative effects of taking a forbearance, and was shocked to find my credit score strongly affected by this a few months later upon trying to finance a new car. 

Following payoff of my large loan, I was left with appox. {$21000.00} between XXXX student loans remaining at a 6.25 % interest rate. I have paid $ XXXX/month for these XXXX loans specifically over the last 7 years plus additional periodic lump sum payments for $ XXXX {$1500.00} when able. To date, my principles between both loans have only been paid down by {$5000.00}. The Navient website does not allow you to see how your monthly payments are applied, simply the total principal left and the amount in interest you 'll pay assuming it takes 30 years to repay. Assuming I 've approximately paid out {$13000.00} in monthly payments over the last 7 years plus the periodic large sum payments I estimate to be about {$2000.00} in total, I 've paid XXXX/Navient approximately {$15000.00}. With approximately {$16000.00} remaining due on my principal. That mean 's since 2009, {$5000.00} of my payments have lowered my principal while {$10000.00} has been applied towards interest. Because of Navient 's website setup, I have no way of confirming application of such was done properly.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with the XXXX  about my dispute with XXXX XXXX reporting " paid charge off ''. This item continues to be on my credit report. XXXX XXXX has ask that this derogatory statement be removed.