23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number attached in document Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Product: Debt collection

Threatened by locator service named XXXX XXXX ( blocked caller id ) saying I was going to be served! The debt was originally with wise loans and is now being handled by Atlantic Collection Agency XXXX ( XXXX ) XXXX who used some threatening locator service to constantly call me and my family members threatening to serve me with documents. They call from a non caller id so you cant return their calls. This was an old loan that I know was paid in full and they refuse to show me documentation showing otherwise.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Checking or savings account

I am filing a complaint with CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Money transfer, virtual currency, or money service

Somehow sent herself {$2000.00} via chase XXXX on XX/XX/2022. 
Reported it to chase and was told that it was me who sent it and they couldnt help me any further. 
After further investigation on my own, I found out this person is from Florida. Answered my call and claimed that she never received funds- got scared and hung up. 
After mentioning this to chase they continued to tell me they could not help me. ( I talked to XXXX different associates at chase ) The scammer : XXXX XXXX - XXXX XXXX
Product: Mortgage

I had originally spoke with my mortgage broker/loan officer XXXX XXXX at Premier Nationwide Lending XXXX XXXX to start the loan process. I had expressed to him that I did not want any last minute surprises- this is important. 
I got approval for a $ XXXX loan and started shopping. The terms of my loan were an FHA loan with OHFA grant, including " other grants '' XXXX got for me that made my closing costs XXXX cents. I still had out of pocket expenses, including the Inspection, but my closing costs were going to be limited to that. 
I originally was looking in XXXX, XXXX, XXXX XXXX XXXX I ended up purchasing in XXXX XXXX, so the loan programs changed. I needed to switch to a USDA loan which caused the closing costs to change. 
On XX/XX/XXXX, I received the initial closing disclosure showing {$1500.00} due at closing. I asked XXXX XXXX about this and he said that we were still on track for practically nothing out of pocket. He said, '' Yes that is the goal we are shooting for. Due to this property being located outside of the city of XXXX, one of the grants I was using only qualifies in XXXX. I have switched you to USDA so you can do 100 % Purchase price financing and then utilize the other grant to cover all of your closing costs. '' I moved forward and then paid for the inspection. Fast forward to 3 days before closing XX/XX/XXXX and XXXX XXXX sent me the final loan disclosure, asking for {$1800.00}. I called him and asked him about this and he just said this is what's due- we can't do anything about it because the grants weren't available. 
They neglected to account for me {$500.00} XXXX deposit, so this was adjusted to {$1300.00}. XXXX XXXX said, to help offset the unexpected out of pocket expense, that my first payment would be due on XX/XX/XXXX. I questioned this because I work as a Home Insurance Underwriter and I know enough about FHA loans that they're generally due on the 1st of the month, a full month after your closing date. So because I closed on XX/XX/XXXX, I only had 31 days until my first payment. He flat out lied to me about this so that I would proceed to closing. 
I considered delaying or cancelling the close, but I had given notice at my apartment and would still be forced to move anyway - to a new apartment that would be more expensive than the Mortgage. I expressed this concern to XXXX XXXX and he said, " Well you will be paying yourself in equity instead of paying rent! '' and I yelled at him for attempting to patronize me. 
Day of closing, I go to the Title office with my cashier 's check for {$1300.00} with my realtor. The bank had no representative present. The title office told me that a last minute change was filed at XXXX XXXX  on Wednesday XX/XX/XXXX, the amount needed for closing changed and was higher. I then had to leave the title office and go to my bank, get a second check for {$99.00} and pay a second cashier 's check fee. I then returned to title and signed everything. 
Note : Most of the conversations were over phone, but I am attaching 3 emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC. is incorrectly reporting my father 's bankruptcy on my credit report. My father and I share the same name, except I use the XXXX suffix. My father does not use a suffix. My father filed for Chapter XXXX Bankruptcy in XX/XX/2016 and Equifax has incorrectly assigned the Public Record to my credit report. I have never filed bankruptcy and this credit reporting agency is incorrectly providing slanderous information to lenders and I am unable to buy a car, buy a home, or receive any lines of credit because of this incorrectly reported bankruptcy. 

I have filed multiple disputes with Equifax. By phone, by fax, and by Certified Mail. Equifax has taken no action to rectify the information on my credit report. 

They are incorrectly reporting my father 's bankruptcy, incorrectly excluding the XXXX suffix from my name, and incorrectly assigning my father 's address as a previous address on my record.
Product: Checking or savings account

I have opened a new business account with Chase bank on XX/XX/2023. Same day I have started using their merchant services through Chase XXXX XXXX, send payment link. I have sent payment link to 3 customers, one on XX/XX/XXXX, two on XX/XX/XXXX. 3 payments for total amount of {$1100.00} went through but were never deposited into my account. I called chase several times, and at first they were telling me that payment are in review until I received an email on XX/XX/2023 that my account has been permanently closed and they are holding funds for 120 days quote high risk of chargeback. I called them again and ask them to refund money to the customers if they are worried about chargeback and I will ask them pay another way but chase refused to process refunds. I have submitted proof of these 3 clients having their appointments done with our XXXX, their consent forms ( names matching name of payment ) but still did not receive my money back. Now chase is doing the same for my second business account that I had with them for 2 years. Last payment that was accepted on XX/XX/2023 still hasnt been deposited and when I call them, they say its in review. I have visited their location, spoken to my business manager but they say they can not do anything. I have not had one chargeback in all two years of doing business through chase, and m these clients are my regular clients who had paid before without any issues.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information in Credit Report To Whom It May Concern, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681e, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see verifiable proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
Name of Account Account Number Verification XXXX XXXX Validate Account XXXX XXXX  Validate Account XXXX XXXX XXXX Validate Account XXXXXXXX XXXX XXXX XXXX Validate Account Thank you for your prompt attention to this matter. I expect a response within the 30 days allowed under the FCRA. Also, please remove the EXTENDED FRAUD ALERT from my profile. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

The company provided a statement saying they don't own the debt but they are acting as the third part collector. 
Under privity of contract between me and the alleged original creditor, can you show me where you all were NAMED SPECIFICALLY inside the terms and condition of the original contract that you sent. You can not enforce a clause that you are not named upon. Please provide this information because I do not see it on the original documentation you sent over.
Product: Payday loan, title loan, or personal loan

I HAVE TRIED SEVERAL TIMES TO GET PAYPAL TO REVERSE A TRANSACTION WHERE THE PAYEE NEVER ACCESSED THE PAYMENT OF XXXX 2022 I REQUESTED PAYPAL TO SEND {$300.00} TO SOMEONE ( XXXX ) AND THEY NEVER GOT THE FUNDS AND I ASKED PAYPAL TO REVERSE IT THEY SEEM NOT TO UNDERSTAND AND HAVE CHARGED MY LINE WITH THEM FOR THE TRANSFER AND INTEREST CAN YOU GET TO THEM TO MAKE THE CORRECTION?

SECONDARILY IT SEEMSVTHAT THE LINE REQUESTED FROM PAYPAL IS RUN BY SYNCHRONY BANK AS A CREDIT CARD ADVANCE AVAILABILITY AND I AM CHARGED CREDIT CARD RATES BUT WAS NOT PROVIDED A ACTUAL CREDIT CARD VERY ODD .... THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX Account # 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
Product: Mortgage

I have been battling Fay Servicing for quite sometime. I have sent it payments for 12 months and I have proof and I am not late. 

Initially, this loan was with XXXX XXXX XXXX and they transferred/sold whatever the loan to Fay Servicing. 

XXXX XXXX XXXX increased my mortgage payment from around {$4600.00} to $ XXXX/month which was astronomical. I requested several times for an escrow analysis and they never responded. As a XXXX  XXXX   XXXX, I calculated the monthly escrow payment ( taxes and insurance ) and it was completely off. The $ XXXX/month was correct. 

Then one day I found out my loan was transferred to Fay Servicing and every single person I speak to over there just doesn't understand this case. 

Anyways, the entire length of my mortgage I have been paying $ XXXX/month with a $ XXXX/month excess towards principal or in suspense for increased taxes. I refused to pay the extra $ XXXX/month and instead continued to pay the {$5000.00} because I knew that the escrow analysis was wrong. When Fay Serving did the escrow analysis ; they found that I was right and that I should not be payment $ XXXX/month, but rather even less at around $ XXXX/ month now. I have proof that I have made all my mortgage payments see attached and let me know if I need to get something notarized or whatever from the bank. I have not completed my XXXX mortgage payment because I wasn't sure if I needed to hold back that money to hire an attorney in which case I will be filing a counter claim for fraud and deceptive practices for starters. I think that a forensic accountant or someone needs to explain to us what is actually going on because this is not right ; we have made the payments and have been treated like scumbags that don't pay their mortgage, which clearly is not the case. 

Furthermore, I have correspondence between myself and XXXX ; however, he never responds to my emails. I hope that I have explained this adequately. If not, please write me back ; I'd like to keep everything in writing from this point on.
Product: Debt collection

Midland credit they are stealing my money from my checking account and I only have one address I live at XXXX XXXX XXXX XXXX, VA
Product: Mortgage

In XXXX we were with Bank of America ( BOA ) and had a modification started. In XXXX we signed documents prepared by BOA to do a CLT mortgage and reduce our mortgage by {$27000.00}, and giving that security instrument to the Secretary of Housing and Urban Development to hold. This modification took from the signing of those documents XX/XX/XXXX until XX/XX/XXXX ( signing on XX/XX/XXXX ) to complete. We signed on those papers ( prepared by BOA ) XX/XX/XXXX, but since it had been 2.5 years since signing the original documents we did not realize that these documents put BOA as the holder of the modification mortgage and the amount was {$27000.00}. There was only one reduction made to our mortgage, otherwise they would have just allowed our mortgage to be reduced by over {$54000.00}! Our initial loan in XXXX was for approximately $ XXXX so that would have cut our mortgage into less than half at that point. 
Fast forward to now, XXXX, and we are in the process of selling our home and buying a new one. All ready to close. The title company notifies us of of liens listed and we find that XXXX XXXX and XXXX XXXX has a lean and BOA has a lean, for the amounts previously listed. We are unable to close because of this, and we should have closed a month ago. I have been in contact with BOA trying to resolve this for a month. The past two weeks I have made daily calls. I have been lied to about documents, being told there was a lien release sent when there wasn't. I was told that they don't have a lien on our home, then they send me a pay off statement for the lien they stated they didn't even hold. They state they have no record of the initial documents signed in XXXX. I have been lied to and shoved to many people within their call center. I am now working with a manager and sent her all of the documents showing that BOA prepared both sets of documents. I'm awaiting those results, but am not confident that a resolution will be come to in a timely fashion. If at all. They are jeopardizing the sale of our home and the purchase of our next home with their inability to fix their massive mistake. I was told by my lender to reach out to CFPB for assistance in this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Experian, XXXX and & XXXX have refused too removed several fraudulent items still displaying on my credit report. I have filed a police report as well as a complaint with the FTC. 

My initial dispute started XX/XX/2020 and my most recent is early XXXX. The total debt amount is less than {$8000.00}.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sharing without concent : In accordance with the Fair Credit Reporting Act the following list of accounts below has violated my federally protected consumer rights of privacy and confidentiality : 15-U.S.C 1681 Sec. 602 A : States that I have a right to my privacy.

15-U.S.C 1681 Sec. 604 A : States that a consumer reporting agency can not furnish a account without my expressed written instructions.

( 3 separate accounts ) from XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Re : Account # XXXX To whom it may concern : This letter is being sent to you for VALIDATION OF DEBT ON THE ABOVE REFERENCED ACCOUNT as noted in my Credit Bureau Report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a verification or proof of my mailing address, but a response for VALIDATION made pursuant to the above names Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : *What the money you say I owe is for ; *Explain and show me how you calculated what you say I owe ; *Provide me with copies of any papers that show I agreed to pay what you say I owe ; *Identify the original creditor ; *Provide that the Statue of Limitations has not expired on this account ; *Show me that you are licensed to collect in my state ; *Provide me with your license numbers and Registered agent At this time I will also inform you that if your offices have reported invalid information to any of the 3 major Credit Bureaus ( Equifax, XXXX, XXXX XXXX XXXX this action may constitute fraud under both Federal and State Laws as well as, *Violation of the Fair Credit Reporting Act *Violation of Fair Debt Collection Practices Act *Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 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 considered detrimental to any of my reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated or verifying and account as accurate when in fact there is no proof provided that it is. 
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 form my credit file and a copy of such deletion request shall be sent to me immediately. 
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with and third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. 
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. 
Best regards, Certified Mail Return Receipt
Product: Checking or savings account

My account was hit with multiple fraudulent charges that all occurred at the same time and date. My financial institution failed to do a thorough investigation and determined it was me who made the charges after less than a week of investigation. They also did not follow up with me for proof.