23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> JEFFCAPSYS XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing this letter to formally dispute the validity of a debt that your agency claims I owe. I received a collection notice from your organization on XX/XX/year>, asserting that I owe a debt of {$3000.00} related to Account No.

[ redacted ] 1. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditor 's name and contact information. 
2.Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor.

3.Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt.

4. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement, if applicable, that demonstrates my obligation to pay this debt.

5. Documentation on Your Licensing : Please furnish me with your agency 's licensing and registration information, as required by the relevant state and federal laws.

Please consider this letter as a formal dispute of the debt, and I kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 
Sincerely, XXXX XXXX
Product: Debt collection

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions bl
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity and personal information has been stolen. Multiple unauthorized accounts have been opened without my permission or knowledge.
Product: Mortgage

I had a mortgage with Carrington Mortgage company since XXXX. They kept telling me my payments were returned when they weren't and when I got XXXX and signed up for the Covid assistance they never once called be to tell me I was denied! They said I should of called them! I was told I was approved and sent a letter stating my forbearance was over and how did I wish to repay the money. I filled out paperwork asking it to be put on end of loan just like they talked me through! They reported me falsely to the credit bureaus the whole time and I had to " according to them take out a 2nd loan which was 2 times what I owed! Then on XX/XX/XXXX I called them to let them know the devastating news that my house burnt down and I lost everything just for them a month later to turn around and sell my loan! I couldn't believe it! I'm asking something please be sone!!
Product: Debt collection

On XX/XX/2021, I logged onto my XXXX XXXX account and noticed a " XXXX '' collection. Lewis, McDonnell and Associates had reported a collection for the amount over {$1700.00} for XXXX. I have not been contacted by this company. I previously had another company reporting the debt for just over {$1000.00}. I have received NOTHING from Lewis MCDonnel and Associates regarding this. Not only is that a violation, but reporting an incorrect amount. Also stating the account is OPEN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WENT THROUGH MY CREDIT PROFILE AND MY IDENTITY HAS DEFINITLEY BEEN COMPROMISED. SOMEONE HAS STOLEN MY IDENTITY AND OPENED SEVERAL FRAUDULENT ACCOUNTS. THESE ACCOUNTS ARE A VIOLATION OF MY RIGHTS DUE TO THE FACT ITS IDENTITY THEFT. THESE ACCOUNTS ARE CASUING A LOT OF EMOTIONAL DISTRESS FOR MY FAMILY. PLEASE REMOVE THESE FRAUDULENT ACCOUTNS AND INQUIRIES FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear Wells Fargo Customer Service, I am writing to formally request the removal of the negative reporting associated with my account [ Account Number XXXX ] from my credit file. Please find attached a copy of the letter issued by XXXX upon investigation, which confirms that this reporting should be deleted. Additionally, I have included the correspondence from the XXXX of the Attorney General of California that supports this resolution. This XXXX letter was sent to me by the XXXX XXXX XXXX Attorney General XXXX California, supporting this resolution. 
The investigation conducted by XXXX has confirmed that the negative reporting was inaccurate or unjustified and therefore must be removed. As per my understanding, under the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that the information reported to credit bureaus is accurate and reflects the findings of investigations conducted. 
I respectfully urge Wells Fargo Bank to comply with the findings of this investigation and take immediate action to remove the negative reporting from my credit file to prevent further harm to my credit history. Please confirm receipt of this letter and provide written confirmation once the negative reporting has been deleted. 
Additionally, sending a process server to my home yesterday after I returned from work is a complete harassment. The process server did not disclose the company he was working for or his full name when I asked him simple questions. He stated that he was not working for Wells Fargo Bank but was just a process server. When I asked more questions, he threw the court documents on the ground in front of me and left. I have photo and video evidence showing the process server at my home at XXXX PM on XX/XX/year>, when I was very exhausted from work. 
This harassment occurred because Wells Fargo Bank hired a lawyer from a Collection at Law firm, to whom I have already responded in the past, stating that I am a victim of identity theft through coercion, manipulation, deception, and fraud. This must be stopped immediately. The actions of Wells Fargo Bank and the Collection at Law firm are not complying with the XXXX XXXX XXXX XXXX in the United States of America. This is not a XXXX XXXX XXXX where victims can be treated in such a manner. 
Out of the XXXX ( XXXX ) banks involved in this fraud, Wells Fargo Bank is the only institution that has not ceased its harassment. This relentless pursuit has taken a significant toll on my health, and I am unable to work peacefully due to the constant pressure to repay money that I did not spend. 
I hope that Wells Fargo will respect XXXX consumer protection laws and take swift action to resolve this matter. I look forward to your prompt response and a resolution that allows me to move forward without further distress. 
Thank you for your attention to this urgent matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

While on XXXX XXXX for 124 days with the XXXX XXXX XXXX, ( XX/XX/2022 through XX/XX/2022 ) I applied for and was approved the American Express Platinum card. Under the Military Lending Act the annual fee of {$690.00} should have been waived. American Express charged the fee at the time of credit acquisition and has refused to removed it. American Express continually relies on a claim that they made a check of the MLA database at the time of credit acquisition and that I was ineligible for MLA relief. However, American Express refuses to provide the individual search report which is generated by the MLA search database if such a check was conducted. Additionally, I have my military orders clearly showing that at the time this account was opened, I was on Active Duty for greater than 30 days. All of my other credit accounts have provided me relief under the MLA except for American Express. American Express now states they will not longer respond to my MLA complaint. If American Express refuses to respond to this complaint and continues to refuse to correct their violative act, my next step will be to file a small claims action against American Express in my local jurisdiction ; serve the Defendant 's registered agent in North Carolina ; and obtain any such MLA database search report, should one even exist, through the Discovery process. One way or another, this will cost American Express more than the annual fee they have illegally charged me. I urge American Express to resolve this matter now by crediting my account the {$690.00} fee and avoid future costly litigation.
Product: Debt collection

The original debt was litigated in XXXX XXXX XXXX XXXX. The original creditor was not awarded anything. Hunter Warfield put a collection account on my credit report. 

on XXXX, I sent them the attached communication. I explained that the debt had already been litigated, and that the balance was not owed. I also asked XXXX to only contact me by XXXX mail. 

on XXXX, I was sent electronic communication from HW. They sent " verification of the debt '' that was merely a few exhibits that were presented during the court case. They did not address that the debt was already litigated. 

This debt is not valid, and HW has contacted me after I expressly wrote to them instructing them to only contact me via XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I cosigned for a loan from Bridgecrest with my daughter in XXXX 2021. THe car was totalled in XX/XX/2021 and the insurance paid Bridgecrest over {$12000.00}. THe balance is to be paid by XXXX through a GAP insurance policy and Bridgecrest was aware of this. XXXX and Bridgecrest both are very slow processing payments and claims. Out of nowhere without warning, I received a credit alert that my score dropped more than 40 points for a 30 days late payment from Bridgecrest after they have received {$12000.00} from the insurance company. Bridgecrest is aware that the car is totalled and XXXX is processing the GAP insurance policy that was submitted XXXX XXXX, 2021. I am trying to refinance my home and this practice from Bridgecrest has hurt my family and I seriously during this time of Covif pandemic and I am a XXXX XXXX. I need my credit report fixed immediately.
Product: Vehicle loan or lease

XXXX was repossessed in XXXX XXXX, sold on XX/XX/2018, I also had GAP insurance thru VW credit XXXX I was never given documentation of the XX/XX/2018 sale, the gap insurance payment that i never received, the loan was also sold to a collection agency without my knowledge, and the damage on the right rear passenger door was also never reported to XXXX, and since has been sold two other times. when the car was repossessed it was holding family valuables which were never returned to me and stolen from me, including my sons car seat. the historical and balance and mostly, showing a past due balance on a charged off, sold a month after repossession, gap insurance payment i never received or is reflected and not reporting damage the sale of the vehicle or the third party collection agency. i am requesting all documentation from VW credit, sale of jetta and price to the auction company, price sold to a debt collection agency, GAP insurance policy and original signed loan and pictures and documents from pickup by the company that picked the car up from repossession date, list of items in the interior and trunck of jetta that was never returned to me.
Product: Student loan

XX/XX/2018- now. {$16000.00}. This company keeps trying to steer me into forbearance before letting me know about any other payment options.
Product: Mortgage

Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Mortgage Issue : Applying for a mortgage or refinancing an existing mortgage We finally heard back from Wells Fargo & they basically told us they did nothing wrong on their part & we are basically  XXXX in out attempt to re-fi or even Modify our loan. 
How does this Bank stay alive?? 

We will need to start defaulting on our loan in order to get someone 's real attention and help in this matter?!? 

Seriously, Wells Fargo HAS DONE NOTHING to help but put the blame on us!!! 

CFPB was really our last hope that you could get WF to at least do a modification of our loan.
Product: Credit reporting or other personal consumer reports

I settled my account with XXXX XXXX and was told that the account would be accurately updated and that I would receive a SIF Letter. I did receive the XXXX Letter but it was updated to credit as XXXX time payment {$100.00} and I SIF for {$500.00} but still showing as a charge off. Disputed it with all XXXX credit bureaus and was told upon completion of the investigation it was being reported accurately in which is false.
Product: Debt collection

They called my work several times after being told no to do so. I work in XXXX XXXX XXXX, those phone calls are not allowed. I was told to not have them call again or else.They called relatives and friends to find out my location. I have elderly parents who get 2 to 3 calls a week from them.The amount owed is double the loan amount according to them. During a call to they suggested legal action was going to be taken, such as a court case with my local magistrate. They also left messages on voice mails stating that I was a debtor. I received several calls on Sunday, throughout the day, and from non business related numbers. I have disputed the debt with credit agencies and through their website. I have never gotten any accounting statement of the amount of the alleged debt.
Product: Debt collection

I received a phone call this morning from Transworld Systems Inc, attempting to collect on debts that the statute of limitations ran out on back in XXXX. I was sued on multiple occasions in XXXX, and each case was dismissed without prejudice, because TSI did not have the proper documentation. The guy on the phone told me they now have the proper documentation and can re-file a suit unless I can figure out a resolution. He outright lied to me and illegally tried to get me to make a payment or enter a payment plan, via bullying tactics. The number he called from is XXXX. When a lawsuit is filed, it does not toll the statute of limitations. And the fact that the lawsuits were dismissed without prejudice did not extend the statute of limitations ; they continued to run.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my report do not belongs to me. Please remove
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX Please update my name XXXX XXXX My only correct date of birth is XX/XX/year> I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the XXXX XX/XX/XXXX and they are not reportable as per the FCRA, since they are inaccurate. 

I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2.

If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt.

Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law. 

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

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with an account listed as XXXX XXXX XXXX  and validation was requested in the form of a dispute on XX/XX/2023 as this was an account that I did not recognize. I have not received any correspondence from the creditor to validate this account as correctly belonging to me nor has my credit report been updated to reflect the account being disputed. I sent a second validation letter out today ( XX/XX/2023 ) requesting validation of this debt because it does not belong to me. Please remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Debt collection

Disputing the following collection entry : Date reported : XX/XX/XXXX Collection Agency MEDICAL DATA SYSTEMS , INC . 
Original Creditor Name XXXX XXXX XXXX  XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$10000.00} Amount {$10000.00} Status Date XX/XX/XXXX Status XXXX Balance Date XX/XX/XXXX Account XXXX XXXX XXXX Account Number XXXX XXXX Creditor Classification Medical or Health Care Date of First Delinquency XX/XX/XXXX Comments Medical MEDICAL DATA SYSTEMS , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted the collector and the credit bureaus to dispute this entry in my credit report, and I also requested in person to XXXX XXXX XXXX XXXXXXXX the removal of this amount owed ( found out it is a charge for XXXX XXXX services to XXXX XXXX XXXX, explaining them that the bills were to XXXX XXXX and not to myself ( XXXX XXXX XXXX ) then the collection Company claimed that I am the financial guarantor of XXXX who as of XXXX was XXXX XXXX XXXX. I explained them that I can not be a guarantor of an adult as I am not the caring person of such adult not I signed any financial responsibility document at the time of his admission/treatment in their ER. 
The collection Company sent me as proof A screenshot of an old computer record for when I was a guarantor of XXXX XXXX Back when he was a child, but no admission proof/documentation for his XXXX visit during XXXX. They also violated HIPPA regulations as they shared in that document forbiden PII : mine and XXXX XXXX full social security numbers
Product: Debt collection

These accounts are an result of fraud JPMCB {$1300.00} XXXX JPMCB {$7800.00} XXXX
Product: Mortgage

I received a piece of advertising on XX/XX/2020 that is believed to be a bait and switch tactic, which also may be a RESPA violation. 

The piece of marketing material in question is from Intercontinental XXXX XXXX XXXX XXXX XXXX. The letter is dated XX/XX/2020 and arrived in a XXXX XXXX XXXX envelope. Making it look to be official, So I had opened it up. 

The letter gave me a {$100.00} gift card. The only way to activate said card is to call their office number to get started, XXXX. I can only assume it is the corporate/call center line I never called, because I do not want to be harassed on the phone to refinance my home after making only 6 payments since my last refinance. I blocked my name/address on the attached letter to try to avoid repercussions by said mortgage company. 

This is clearly a violation, I am also a licensed loan officer here in the state of FL and I very much know what the limitations are to marketing tactics like this and what is deceiving. It's maddening to see companies like this continue to operate like this against the rules for advertising. 

I am reporting this because I do not want to see others fall for this marketing tactic that triggers people to call with a promise of a {$100.00} " gift ''.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my Gmail emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Checking or savings account

I opened a checking account so I could receive my social security by direct deposit, and also collect rent from some of my leasers. I opened the account and deposited an initial {$25.00}, as well as collected rent of {$500.00}. 

Chase decided to close my account and now I'm out {$550.00}. They need to send me my money to the bank account with a rational banking institution and not what ever Chase thinks is right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX, XXXX Authorized Representative for XXXX XXXX TODAY Date : XXXX has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character.. Dear Sir or Madam I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. agency TRANSUNION sent a letter stating that TRANSUNION had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the negative items, as originally requested. Below are the items that do not belong to me that you continue to report erroneously. XXXX. Account name : XXXX XXXX XXXX Account number : XXXX Chargeoff, Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. Thank you, These listed Violations are based on breach of fiduciary duties TILA, FCRA, GLBA, CFPA, THE Sherman Antitrust Act, FTC Act and RICO Act Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts. As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o
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. 
I 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.