23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally dispute the validity of the debt that you are attempting to collect. I also wish to bring to your attention potential violations of the Fair Debt Collection Practices Act ( FDCPA ), which governs your conduct as a debt collector.

1. Request for Validation : Under Section 809 of the FDCPA, I am entitled to request written validation of the debt you claim I owe. Therefore, I require that you provide me with the following information : - The name of the original creditor.

- The amount of the alleged debt.

- Documentation that verifies the debt, including any signed contracts or agreements.

2. Inaccurate Reporting : I believe that the information you have reported to credit bureaus regarding this debt may be inaccurate. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that any information you report is accurate and complete. I demand that you investigate this account and correct any inaccuracies immediately.

I am also concerned about the aggressive tactics employed by your agency, which may constitute harassment and violations of the FDCPA. Specifically, I would like to highlight the following potential violations : - Harassment and Abuse ( 15 U.S.C. 1692d ) : If your agency has contacted me in a manner that is intended to annoy, abuse, or harass me, this is a violation of the FDCPA. I expect all communication to adhere to professional standards.

- False or Misleading Representations ( 15 U.S.C. 1692e ) : If your agency has made false statements regarding the debt or my legal rights, this is also a violation of the FDCPA. Any misrepresentation regarding the amount owed or the consequences of non-payment is unacceptable.

I demand that you cease all collection activities on this account until you have provided the requested validation. Additionally, if your agency persists in contacting me without providing the requested documentation, I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as consider.

All future correspondence regarding this matter must be conducted in writing. I do not wish to receive phone calls regarding this debt. Please direct all communications to the address listed above. 

I appreciate your immediate attention to this matter. I expect your response within 30 days, as mandated by the FDCPA.
Product: Mortgage

Truist f/k/a SunTrust Mortgage lender, Loss Mitigation, XXXX XXXX, XXXX XXXX XXXX, XXXX VA XXXX Loan Modification XXXX. XXXX modified my XXXX, XXXX, XXXXXXXX XXXX mothers mortgage in XXXX, XXXX. My mother the borrower an XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX allededly " signed '' the loan modification for 40 years at 6.375 %. The Affiant XXXX XXXX XXXX, Attorney-Of-Fact initiated this modification due to the fact she fell behind on the payments while soley residing at the mortgaged property located XXXX XXXX XXXX, XXXX GA XXXX XXXX 
Please investigatethis case as I have attempted numerous times to report TRUIST mortgage and bank for mortgage fraud. 
XXXX XXXX notarized with bank employee witness ; XXXX XXXX. 
XXXX XXXX XXXX is/was deemed mentally incapacitated XXXX separate Evaluations by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had many physical limitations, XXXX hearing and sight impairments along with her being bedridden with XXXX hospice care including a broken femur in XXXX. 
XXXX XXXX XXXX ( Now deceased as of XX/XX/XXXX ) XXXX XXXX XXXX along with Truist f/k/a SunTrust mortgage modified while the borrower did NOT have the capacity to Contract. XXXX  also stated in numerous text exchanges being fully aware of XXXX XXXX 's Incapacitation ; XXXX. See Attached Documentation. 

Thank you Kindly, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX
Product: Credit card

I have always paid this account on time, never allowing payments to become overdue. I don't understand why there are reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Checking or savings account

I opened a business checking account with Huntington Bank around XXXX. At the time of opening, Huntington Bank was offering a {$1000.00} promotion for meeting a minimum cumulative deposit requirement. I met the requirements around XXXX. Some time later, Huntington Bank froze my account and said that I had to step into a physical branch in order to unfreeze the account. At the time, I couldn't since I was living in another state with no physical branches. I called Huntington Bank and a customer service representative told me the account would remain frozen until I stepped into a physical branch. I decided to wait. Nearly 12 months later on XXXX, I called XXXX to book an appointment since I would be visiting a state with a physical branch. I was informed the account had been closed and the funds were mailed to the address on file ( a wrong address which I no longer have access to and could not update since my account was frozen ). 

For about 1 year, Huntington Bank has frozen at least {$3000.00}. The exact amount is unknown since I can not obtain any information about the account. When the account was closed, I was never notified, and the remaining funds were sent to the wrong address. I also never received the initial {$1000.00} promotion.
Product: Credit reporting or other personal consumer reports

Wrong information there's family member with similar name. They call often and I can not get anything resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, yes, I had my student loans with nelnet. Originally, and now there was modelo. Or however, you spell that, and they are on my credit report. XXXX / 8 years with modella, they've been in my credit. Since XXXX XXXX, which is over 10 years, they were sent to another creditor, not the original lender. I actually am on XXXX. I sent over a request to be approved for permanent XXXX. 
Approval from my student loans to be removed from my credit. I sent the doctor 's note over from my physician. As well as the information from social security they denied. I'm still on XXXX. This is past the 3 years I had an income repayment of XXXX. Now I got ta income repayment. That I have to pay {$360.00} a month. When I'm below income powery lines. There is over {$65000.00} on my credit report. That is preventing me from getting a mortgage. Any credit any type of anything above water? I need your help to get this taken care of ASAP.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is in violation of XXXX XXXX XXXX I have asked the creditor in a letter to XXXX of this information that is on my credit report and that it be removed from my credit file immediately. If this was not done, I will file a small claims legal action against this creditor, should this matter not be resolved by XX/XX/XXXX. 

They are in further violation of XXXX XXXX XXXX & XXXX XXXX XXXX. 
I am exercising my right to opt OPT-OUT having this reported on my credit file and also dispute that it even exists, as the amount was charged off. 

This creditor is now in violation of my consumer rights according to XXXX XXXX and is also in violation of the Privacy act of XXXX. 

The amounts are incorrect on all XXXX bureaus and was charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint disputing the inaccurate reporting to Equifax, XXXX, and XXXX by XXXX XXXX, XXXX. 

Due to XXXX XXXX, XXXX reporting inaccurate information, it has damaged my good credit standing and caused me a tremendous amount of stress. The inaccurate information is a mistake on either youre or the reporting creditor 's part. Due to the mistakes on my credit report, I have been charged higher interest and wrongfully denied credit/services recently. Which was extremely inconvenient and embarrassing. I am attaching proof that this information does not belong in my file and/or is inaccurate and needs to be updated. I have reported this numerous times with a direct dispute to Equifax, XXXX, and XXXX along with XXXX XXXX, XXXX. XXXX XXXX, XXXX continues to provide inaccurate information and report misleading details. I hereby request that you make these changes within 30 business days to avoid additional violations of the FCRA. This account has been paid in full for the amount of {$450.00} and continues to be reported incorrectly either as open, settled for less and listed as a charge off with late historical remarks. 

Please verify the inaccuracy of this information and delete it from Equifax, XXXX, and XXXX and provide me written proof that this has been completed.
Product: Debt collection

As of XX/XX/2019, I received a collection notification on my credit report from a company I have never had ties with and do not recognize for the amount of {$62.00}.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by your agency. Your agency has violated my consumer rights and violated federal law. I am attempting to notify you privately of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a home with my ( at the time ) husband using a VA loan through XXXX XXXX XXXX XXXX  in XXXX of XXXX in the state of XXXX. We were approved for the VA loan due to his XXXX XXXX status with the XXXX XXXX. I am not, nor have I ever been a member of the XXXX XXXX XXXX. We were divorced in XXXX of XXXX, and per our divorce decree, he was to be responsible for the house that we purchased and was to take over the mortgage payments. At the time of our divorce in XXXX, I left the state and moved to XXXX  ( I no longer occupied the house we purchased together since it was his per the divorce decree ). The house was foreclosed on in XXXX of XXXX ( unbeknownst to me ) as he apparently did not make the mortgage payments as was dictated in the divorce decree. As of XX/XX/XXXX, XXXX XXXX XXXX XXXX  is still reporting negatively on my credit report due to that mortgage being foreclosed on. I have sent them copies of the divorce decree multiple times, and even filed a dispute with them, however, they refused to remove the information from my credit report.
Product: Credit card or prepaid card

I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX - Account XXXX Account Name : XXXX  XXXX - Account XXXX Account Name : XXXX  XXXX - Account XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX  - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX - Date Opened XX/XX/XXXX XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently view my credit report and notice fraudelent accounts, please delete accounts. Victim of identity theft.
Product: Debt collection

I pulled my credit report on XXXX/XXXX/XXXX and noticed some collection accounts that I have never heard of before. The collection company in question PORTFOLIO RECOVERY ASSOCIATES claims that I owe money to them for a bill that I have had in the past. I demanded that they validate the debt under the FDCPA on XXXX/XXXX/XXXX via a letter sent regular mail, they never replied. They continue to keep this account on my credit report to this day after several rounds of letters to them demanding that they validate this debt. Now that this has gone on this long I am filing a complaint to have this debt removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a company of fraudsters and thieves. I've gotten several loans with this company for vehicles from our business. The car is in my name and our company name. I pay this loan months in advance. Our monthly payment should be {$210.00}. When I pay I pay XXXX months in advance. On XX/XX/2021 my balance was {$1400.00}. I paid {$900.00} on that date. XXXX XXXX sent to my credit report that my account was delinquent. They need to update this ASAP. Because that information is wrong. Not only that. I also paid off the balance of this loan which was {$440.00} on XX/XX/2021. XXXX needs to update my file ASAP and take the delinquency off my credit report. I called into XXXX several times and all they do is put me on hold and then hang up on me. This is not a way to do business. This is shark fraud business. Preying on consumers. This company needs to update my information ASAP.
Product: Student loan

On several occasions, I asked Navient to conduct audits of my Account XXXX XXXX ( Attachment XXXX ) and they sent several packages which were all different. These requests were asked to support my records with all credit bureaus that reflected derogatory entries regarding my payment status with Navient. Additionally, I asked for these audits due to payment irregularities with Navient and XXXX XXXX  ( formerly XXXX ) which was authorized to withdraw {$170.00} automatically or directly from my Bank Account. However, on XX/XX/XXXX XXXX allowed Navient ( Attachment XXXX and XXXX ) to split ( {$91.00} - {$86.00} ) my payment to this account ( with another account that I was a cosigner without my knowledge, authority nor concurrence. This was my son 's account XXXX ( {$86.00} ) which he paid from his own account from another bank. ( See my attached bank statement dated XX/XX/XXXX, Attachment XXXX ). I complained to XXXX and received a negative response on XX/XX/XXXX ( See Attached Letter XXXX ) but I noticed on next statement that the {$86.00} was credited back to my account as either a deposit, credit, or interest section. ( See Attached Statement 5 ). It appeared to me that Navient and XXXX were working together. 

I solicited the support of legal counsel to correct my credit reports with all Credit Bureaus and Navient in XX/XX/XXXX ( Attachment XXXX and XXXX ). 

Attachments XXXX, XXXX, XXXX, XXXX reflect pages received from one Navient Audit. Please note changes from XX/XX/XXXX - XX/XX/XXXX. 

My last communication with the credit bureau was with XXXX on XX/XX/XXXX, ( pages XXXX, XXXX ) submitting all info they requested ( pages XXXX, XXXX, XXXX, XXXX ) Navient says they have not received a payment since XX/XX/XXXX. I requested bank statements from XXXX and was given the run around until XX/XX/XXXX which only reflected payments made in XX/XX/XXXX ; XX/XX/XXXX for XXXX which replaced my phone call payment on XXXX XXXX ; XXXX XX/XX/XXXX payment ; XXXX XX/XX/XXXX payment ; XXXX XX/XX/XXXX ; and XXXX XX/XX/XXXX payment. XXXX said that the XX/XX/XXXX was an internet payment and no check available. Nonetheless, my statements reflect in the checks paid section that payments were paid on XX/XX/XXXX check # XXXX ; XX/XX/XXXX check # XXXX ; XX/XX/XXXX check # XXXX ; XX/XX/XXXX Check # XXXX ; XX/XX/XXXX check # XXXX ; XX/XX/XXXX Check # XXXX ; XX/XX/XXXX Check # XXXX ; XX/XX/XXXX Check # XXXX XXXX payment that Navient presented to XXXX  on XXXX vs XX/XX/XXXX ; XXXX payment shown on attached check copies. 

Throughout the year due to XXXX reporting to the Credit Bureaus, I was denied credit with various banks and institutions as well as with XXXX.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX Balance {$600.00}
Product: Mortgage

I have a mortage with SLS and I and begin force into a foreclosure. I have been trying to do a loan modifcation with no succes, I would send in my documents and when I can they would put me on hold never answer my call, or they would hang the phone up on me. I have tried and tried I even tried to do a short sale there is no working. I am being force out of my house rhat I have with me and my kids, on to the street in the cold. And SLS is being allowed to get away with it, I dont know what to do at this point Im in a loss, loss situation. Sls do not need to be in business, I have been lied to and I am begin force out my home for weeks, I would send in paperwork that they say they never receive, deceive and lied to.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFBP THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX DEBT BONDAGE, WHICH FALLS UNDER TRAFFICKING ACCORDING TO XXXX-DEBT FINAL RULE XXXX ( B ) ( XXXX ) XXXX ( B ) ( XXXX ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX  {$21000.00}, XXXX {$3100.00}, XXXX {$0.00}, XXXX {$0.00}, XXXX XXXX {$82.00}
Product: Checking or savings account

I filed a complaint because chase bank was withholding my funds from me for no release other than what I believe to be Retaliation for file complaints about a different " government office or court office. I still have not recieved my funds. I attempted to pick up my funds in person on more than a dozen time and was given the run around despite being told that I could pick up the funds. They are holding my funds because they apparently don't have anyone to answer to.I want chase to give me the money which is my direct deposits from my employer, which they said they would not be excepting. They continued to except these deposits and rejected all of my auto payments that comes out of the account which has damaged my credit in a manger way, I was just denied an apartment rental due to my new credit score. They have also cause my loan to become due in full. I need someone to investigate these charges if you can't can you please tell me who can.
Product: Credit card or prepaid card

I had a credit limit of {$1800.00} on my Chase visa credit card. 

I paid off the entire balance of the card this past week XX/XX/XXXX or XX/XX/XXXX. Not even less than a week later after I paid off the whole balance, Chase immediately decreased my credit limit by {$1300.00} and said that and I quote it came up for peer review I find it a little hard to believe that after I pay off the whole balance, theyre just able to decrease my credit by more than 75 % because of some random review they said happens. 

Im not delinquent on any cards. Im up-to-date with all my payments everywhere. 

This is clearly just a way for Chase to mess with their customers and hurt us when it comes to increasing our credit limits. 

I want my limit to go back rot where it was its totally unfair that they can bait me into paying off the balance to up my credit score and then as soon as I do they totally destroy my limit. 

Seems a little too convenient to me.
Product: Debt collection

VALIDATION AND CEASE AND DESIST To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the CrediXXXX? 
PURSUANT TO THE EDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW 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 VALIDATED THE DEBT. 
debt Please do XXXX XXXX XXXX XXXX XXXX XXXX rest atyhing XXXX you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute XXXX XXXX ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.