23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

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 XXXX 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: Credit reporting or other personal consumer reports

On XX/XX/year> I sent Equifax, XXXX, XXXX a letter asking for proof of the alleged late payments on this account they have yet to provide any proof of such account. I asked for them to send this information to me and they never did but said its valid
Product: Money transfer, virtual currency, or money service

I have a checking and savings account with Pentagon Federal credit union for over XXXX yrs and discovered that there were many international wire transfers from my account since XX/XX/2023. I immediately reported this to Pentagon Federal Credit union in XX/XX/2023 but there has been no return follow up from the credit union. I have called several times and even went to the XXXX branch but all they could tell me was I needed to set up another password and send them a utility bill to verify my identity. I finally was able to upload the utility bill last week but still have not heard from them. The amount that was internationally wired was over {$100000.00}. The credit union said they cant see where it was initiated and the location it was sent. This is absurd how this information cant be found from my bank that supposedly has my money safe. Is there anything you can do to help me recover my money? It seems the Credit union has shut the door on me, which is the reason I am reaching out to your dept. please advise thank you.
Product: Mortgage

I received an email from XXXX XXXX ( XXXX ) on XX/XX/2020, requesting that I change the address of the payee ( Sierra Pacific Mortgage ). 

After complying, my mortgage payments were being debited from my checking yet not received by payee. 

I believe this email from XXXX XXXX might be a phishing scam. This is now effecting my payment status and credit rating.
Product: Debt collection

I have never received any documentation regarding an unpaid bill. I never received any documentation regarding an unpaid bill being sent to collections. I received no notification. I noticed the outrageous collections claim of {$950.00} as I was checking XXXX XXXX app. I have no documents to provide that this is a valid claim.
Product: Mortgage

My mortgage with Cross Country Mortgage was in forbearance because of the pandemic. I requested a deferral back on XX/XX/XXXX. During the pandemic, XXXX XXXX and XXXX XXXX started a program that all " XXXX and XXXX '' mortgages that were in forbearance can be changed into a Deferral Program when the situation changes and we were able to resume normal payments but not bring the loan current ( not pay missed payments ). This program is supposed to be automatic with no waiting period. I am still waiting on XX/XX/XXXX. I can not access my account online to make a payment. I have to call and then I am charged an additional {$11.00} because I am paying over the phone. 

My husband and I have four other properties with four different mortgage companies and all I had to do was make a phone call and our loans were automatically deferred. 

Waiting two months to have this done is ridiculous. Every time I call them they tell me its in process. This is not supposed to be a process, its supposed to be automatic.
Product: Checking or savings account

I opened my Citibank checking account on XX/XX/XXXX. I get a direct deposit and I pay a bill every start of the month like clockwork, no changes in doing so in all these years. No problem with waiving a monthly fee for 4.5 years. 

Then on my XX/XX/XXXX-XX/XX/XXXX statement I get billed the fee of {$10.00} for 6 months until the fee increases to {$12.00} on my XX/XX/XXXX-XX/XX/XXXX Statement which continues for 31 months until my XX/XX/XXXX-XX/XX/XXXX Statement. 

Last two months the fee was waived for theXX/XX/XXXX-XX/XX/XXXX Statements. 
That 's ( {$10.00} ) + ( {$12.00} ) = {$430.00} of fees that I should never have been charged. 

Every time I talk to Citibank I get the runaround & I get nonsense comments like to get it waived log in to your Citibank Online account and pay your bills through us. I use their Debit card monthly like I always have to pay bills & still get Direct Deposit to my account like I always did. Nothing changed on my end from the start. Obviously something its fishy on their end if I did n't get fees for first 4 and a half years & again these past 2 months. 
It 's a rip off plain and simple. They should thank me for bothering to stay for almost 8 years.
Product: Mortgage

I am sitting in a Hotel in XXXX New Mexico with my husband and dog after traveling XXXX miles from my home in XXXX. 
I have sold my home in XXXX to a very nice, well qualified buyer. 
I have a contract to purchase a home here in XXXX with a closing scheduled for XX/XX/2020. 

The Bank of America is the lending institution my buyer of my XXXX property is using. The Bank of America in XXXX has failed miserably to complete their obligations to us, our title company the buyers title company, my realtor, myself and the party I am purchasing my new home from. 

The title company in XXXX said that it is " unprecedented '' that a bank would not fulfill it's obligations at the scheduled time of closing. ( Which was already delayed due to the banks employee/ agent taking a vacation in the middle of this important XXXX  XXXX dollar transaction. ( the most important and largest transaction in my life. ) Promises to clear to close continue to be made, extra copies of documents are requested and then requested again. Closing gets delayed, the agent is unprofessional and clueless. His boss ( supervisor ) Does not return calls and does not offer even his last name to the buyer. I need help! I am hold up in a hotel in New Mexico!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XXXX  : XXXX INQUIRIES : XXXX XXXX XXXX : XX/XX/XXXX XXXX/XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX
Product: Checking or savings account

In XX/XX/year> I noticed fraudulent charges on my debit card, and submitted a fraud claim with Bank of America totaling about {$650.00}. {$450.00} of that claim was granted, but about {$200.00} was not. Their investigation into the fraud request used evidence that was factually incorrect ( for instance, one reason my claim was denied was because BofA said the charges occurred XXXX miles from the billing address. The Charge was made in New Jersey and the billing address is in Maryland. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Persons in charge, I am filing a complaint against credit bureaus about inquiries on my credit reports that were not authorized by me. A few years back my credit had been compromised because my identity was stolen. I have made several attempts to get this rectified with the credit bureaus and have not been able to get satisfactory results since these inquiries were unauthorized. 
Equifax is reporting a total of 13 inquiries. Four of which I am responsible for are listed below as : XXXX XXXX XXXX, XX/XX/2018 XXXX XXXX XXXX XXXX , XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX XXXX/XXXX  XX/XX/2018 I have contacted Equifax to resolve this issue and even with a fraud alert placed on my report my credit is still being pulled without proper authorization. 

My XXXX report shows 19 inquiries. 
3 of the 19 were authorized. 
XXXX XXXX, XX/XX/2018 XXXX XXXX , XX/XX/2018 XXXX   XXXX, XX/XX/2018 The only inquiries authorized on my XXXX is XXXX XXXX XX/XX/2018.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App. Due to inadequate customer service and unfair practices. They failed to take the time and correct measures to protect my information and block unauthorized transfers of money. This violates the Consumer Financial Protection Act.
Product: Credit reporting or other personal consumer reports

all inquiries need to be removed from XXXX Credco XX/XX/2023, Credco XXXX XXXX, XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, Corelogic XX/XX/2023 and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, LEXISNEXIS, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police. 
Form XXXX was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. 
MY ONLY NAME IS XXXX XXXX MY ONLY ADDRESS IS XXXX XXXX XXXX XXXXXXXX XXXX XXXX REMOVE ALL OTHER ADDRESSES... THEY ARE NON MAILABLE XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2016 I had XXXX bitcoins which was worth about 3000 US dollar back then transfer to my wallet in Coinbase the transfer was successfully processed but the coin never showed up in my Coinbase wallet it seemed before the money go to my wallet they transfer it to 2 diffrents wallet that I had no clue I contact them they asked to send everything that I had I sent them but no one can really give me a real answer all they told my account is at level 10 right now no real answer I have all the screen shots to support my claim it is very scary I had the money send to that wallet so I can invest it but Coinbase try to steal my coin
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've disputed this collections amount because I have no knowledge of the account itself. The bureau investigated and item and status has remained unchanged since my last dispute in  XXXX   2017 .
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 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, us dept of ed/XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

i have reached out multiple time to resolve the issues someone has to hold them accountable.
Product: Credit reporting or other personal consumer reports

This letter is in response to your recent claim that the credit bureaus has verified that the accounts they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within XXXX  ( XXXX ) days of the completion of your re-investigation. additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account ( s ). I am formally requesting a copy of any binding contractual obligations to pay them the exact amount claimed. Any automated response E-Oscar verification is unacceptable. I am requesting a re-investigation and your Method of Verification. According to 15 USC 1692c ( c ) if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consume, the debt collector shall not communicate further with the consumer with respect to such debt. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission. According to 15 USC 1681 I have the right to privacy. According to 15 USC 1681 s-2 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. ( B ) Reporting information after notice & confirmation of errors. A person shall not furnish information is inaccurate; and ( ii ) the information is, in fact, inaccurate. XXXX. XXXX XXXX {$7300.00} XXXX. XXXX XXXX {$0.00} XXXX. XXXX XXXX XXXX {$520.00} XXXX. XXXX XXXX  {$15000.00} XXXX. XXXX XXXX  {$11000.00}
Product: Debt collection

On XX/XX/2023 I wrote a debt validation letter to USAA FEDERAL SAVINGS BANK requesting the following - The amount you claim the Respondent owes you, An explanation showing how you have computed the amount, Copies of any documents that prove I agreed to pay the alleged amount, The identity of the original creditor, The original lawful contract. I stated in this letter " Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face. '' USAA has yet to respond or provide remedy. USAA has ignored my requests, though I filed an FTC Identity theft report and reported this as a fraudulent account, also USAA ( a furnisher of information ) is reporting this to the Consumer reporting agency 's which is causing me distress as I can not operate in commerce freely, this is not my account. USAA has denied providing me with the requested information that I am entitled to per the Fair Debt Collection Practices Act by choosing to not respond [ **NOTE** ] ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. USAA has now started deducting {$25.00} from a joint checking account I share with my husband every month on the XXXX starting in XX/XX/2023. USAA has completely ignored me in this manner and has started pursuing my personal account and stealing money from it to pay off somebody else 's debt. USAA received the requested information on XX/XX/2023 and has chosen to act and remain in dishonor.
Product: Money transfer, virtual currency, or money service

Hello XXXX Bank XXXX XXXX and XXXX pay me a Check of XXXX XXXX under supervision of Inspector General of United States XXXX Police ( XXXX ) Office of Inspector General United States XXXX Police XXXX XXXX XXXX, XXXX XXXX 
XXXX XXXX DC XXXX HOTLINE : Toll Free ( XXXX ) XXXX Email : XXXX But this is outside its jurisdiction and recommended me here.so please contact Chief Coordinator XXXX XXXX XXXX # : XXXX ( XXXX ) XXXX, email : XXXX XXXX XXXX XXXXXXXX XXXXXXXX of XXXX XXXX XXXX Tel # : XXXX ( XXXX ) XXXX and XXXXCcustomerservice XXXX ; it has demanded me more XXXX  but I run out of money I paid off XXXX processing fee and they said check will be linked with my account XXXX to XXXX XXXX. As all charged no fee for deposit a check. So help to resolve this matter to tell them to pay me ASAP
Product: Debt collection

Someone who has been harassing me was able to get my final balance owed on my auto loan, to use against me. 

My mother also called and was able to get right through with minimal verification ( as a test ). I am absolutely going to pursue legal action against Santander consumer USA for their lax privacy and clear disregard for consumer privacy.
Product: Vehicle loan or lease

I got my vehicle in XXXX XXXX my payments are {$520.00} a month but I am paying {$260.00} biweekly. This is my first time getting a car from a dealership and I did not know that an APR rate of 28 % was terrible. XXXX XXXX/Bridgecrest knew my vehicle was worth way less than my loan amount and that is something that I was not aware of. I was making payments on my car and then the cars transmission went out a little over a year later. Just a few months ago my engine went out also and I had to pay {$400.00} and change for the parts that were not covered under my warranty. Each time I would make a payment I noticed that my principal is remaining balance would still be the same so I am confused as to why all of my money is going toward the interest and not the principal. I feel that is why my principal is still at a balance where it looks as if I havent touch it because all of my payments are going straight to interest even when I first started making payments. I have asked XXXX XXXXXXXX XXXX and bridgecrest to refinance my loan for my cars Value is worth less than the actual loan its self but they say they do not offer refinancing at all. They threaten to repossess my car if I did not make a payment I now have an interest wall up of {$1800.00}. I had to defer {$800.00} worth of payment from when I was out of work due to an injury that I did not get compensated from. Even before I deferred my payment, I still had accumulated interest from them but applying hardly anything to my principal and I was told a deferred payment would help me avoid repossession so I took that option because they made it seem good. When I add up all of my total payments that I have made since I received my car, it adds up to around $ XXXX {$13000.00} which should leave a balance of {$6000.00} to {$7000.00}. Why is my remaining principal still at {$17000.00} for the whole two years that I had my vehicle almost now three? Even though Ive made my {$260.00} payment evXXXX XXXX weeks it seems as though I havent made a payment at all since I had the vehicle. I dont mind surrendering the vehicle, but when I offered to surrender it, they threatened that I would still be responsible for the balance after they sell it, and whatever interest that has occurred. I lost my job back in XX/XX/XXXX being that I could not fulfill my job duties from an injury that I suffered in XX/XX/XXXX. I recently went homeless XX/XX/XXXX and I asked if I could possibly have a pause on my payment, give the vehicle back with no ties, or other options that could help me save my vehicle and or credit and no one has been trying to work with me at all. I have been in hardship for quite some time now, and I am just looking for other options out of this loan that they knew was upside down with the negative equity. I am in desperate need of someones help out of this upside down loan.