23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CFPB Complaint - Receivable Management Group ( RMG ) Debt Collection Violation Complainant : XXXX XXXX Date : XX/XX/year> Subject : Violation of the Fair Debt Collection Practices Act ( FDCPA ) and Failure to Respond to Validation Request To Whom It May Concern, I am filing a formal complaint against Receivable Management Group ( RMG ) for violating the Fair Debt Collection Practices Act ( FDCPA ) and failing to respond to multiple lawful requests regarding an alleged debt they are attempting to collect from me. 
Timeline of Events : On XX/XX/year>, I sent RMG a debt validation request and cease-and-desist letter via regular USPS mail. While regular mail was a mistake, the letter was properly addressed and included my return address both inside and on the envelope. 
This letter requested : o Verification of the alleged debt o The name of the original creditor o Proof of the agencys legal authority to collect the debt o A copy of the original contract or assignment of the debt o That all communication be conducted via USPS mail only RMG failed to respond within the 30-day period required by the FDCPA. As of XX/XX/year>, I had received no documentation, communication, or validation of the debt. 
On XX/XX/year>, I sent a follow-up letter via USPS Certified Mail reasserting that, due to their non-compliance, the debt is now invalid and can not be collected. I explicitly stated that all collection activities must cease, including credit reporting and attempts to collect the debt. 
Violations Identified : Failure to validate the debt as required under FDCPA Section 809 ( b ) Failure to cease collection activities until validation was provided Failure to respond in a timely manner to both written requests Potential deceptive practices if collection efforts continue without proper validation Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

under the FCRA   XXXX   must have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and second subsequent re investigation, they stated in writing that they verified that these items are being reported correctly? They did not respond when i asked following questions Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section  609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).    XXXX  ALL THEY DONE WAS SENT ME BY  MAIL 7 YES 7 COPIES  OF MY REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Untitled { XXXX XXXX XXXX Medical Subject has not satisfied debt. } 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: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the change. Im trying to buy a home for my family and because of these items, I am unable to be approved. I ask that the items be deleted from my credit report. I reported the theft of my identity to the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you!
Product: Debt collection

Date opened : XX/XX/year> Date of last transaction : XX/XX/year> Account Number : XXXX Name : Midland Funding per XXXX XXXXk This account is too old to be reported on my credit reports. ACCOUNT SHOULD BE REMOVED 3 YEARS FROM THE DATE OF THE LAST TRANSACTION per the FCRA and the debt collection statutes in the state of Alabama, the debt should be removed 3 years from date of last transaction which is XXXX I have requested proof of the debt, proof of ownership of the debt, a signed contract or agreement between myself and the lender, any other documentation showing this debt is mine, the dates of the debt, and the lender has failed to respond at all. They have not provided any proof of ownership of debt and they have not removed the item due to the date of the last reported transaction on the account being more than 6 years ago and the debt collection statutes in Alabama state credit card accounts can only report to credit beaureas for 3 years from the date of the last transaction or the date the account was closed.
Product: Credit reporting or other personal consumer reports

I would like to dispute inaccurate information on my credit report, specically incorrect addresses, and other variations of my details that are not accurate. The addresses in question are XXXX XXXX XXXX XXXX, XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; and XXXX XXXX XXXX XXXX, NJ XXXX. Additionally, remove other variations of my personal information such as XXXX XXXX and XXXX, XXXX, XXXX, my accurate name is XXXX XXXX XXXX you can look to my supporting documents for verication. I am currently Self-employed if you see other variations please remove them. Make sure that only veried and accurate information should be in my personal information. I would like written conrmation along with an updated copy of my credit report. Please address these inaccuracies promptly.
Product: Mortgage

On XX/XX/XXXX I received a call from XXXX XXXX, our loan officer we were given when starting the process with Veterans United. She informed me because of the type of loan we were going to be getting she was transferring us over to XXXX XXXX. Thats where the issues began. He rushed me off the phone that day ( Friday afternoon ) when trying to ask questions. On the Monday I emailed him concerns and asked if we could speak on Tuesday to answer questions my husband and I had. He emailed me back mid morning saying he had a meeting and would call me back that afternoon. He did answer some of my questions on the email. The call never came. Here we are a week later and still no call, no email, no form of communication!! It was my understanding after 3 days of you didnt sign the forms the loan would be null and void. I did not want to sign something without the loan officer answering my concerns! We have since found another lender whom has been wonderful to deal with. Veterans Uniteds professionalism and lack of concern is distasteful!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXXXXXX. I saw several of those inquires as well and I did not tell them to pull my credit please remove from my credit 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 TRANS UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and the police.
Product: Checking or savings account

Over the last several months it has become virtually impossible to access our online account with CIT Bank On one occasion we were able to talk with a rep that supposedly fixed it. 
I have the correct pass word etc. but can not log in. The help link just starts the process over an over again. 
The phone XXXX they provide for help, is the same # on my bank statements. 
When calling the number there is always a XXXX min. or longer wait time. 
I have banked ( CD ) with Cit Bank for many years, perhaps XXXX, and had no problems in the past until this started many months ago. 
We are retired on Social Security, and our account has a balance as of XX/XX/22, of {$260000.00} and I want to transfer it to our Bank account on record, rather than do any business with XXXX again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had some concerns after getting a letter about a breach at XXXX XXXX. On XX/XX/2019, I went to annualcreditreport.com and pulled my credit report. Everything seems to be ok except for my report showing two different addresses. I have lived in Georgia my entire life and for the last 33 and 1/2 years I have lived at XXXX XXXX XXXX, XXXX, Ga XXXX which is the first address on the report. There is a 2nd address showing of XXXX XXXX XXXX, XXXX, XXXX, NT XXXX. Address ID # XXXX. I have never lived at this address and I don't know of anyone that does. Would you please help me with this? Thank you. XXXX XXXX XXXX
Product: Debt collection

I am disputing the account referenced above currently appearing on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor of this account.

Furthermore, pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt and how this amount was calculated. Please note that this is solely a request for validation of the AMOUNT of the alleged debt, as mandated by 15 USC 1692g ( a ) ( 1 ). 

Below are the details of the account in question : Account Number : XXXX High Balance : {$7400.00} Last Verified : Not available Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7400.00} Closed Date : Not applicable Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : XXXX  Purchase Finance Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Original Creditor : Not available Payment Amount : {$0.00} Last Payment : Not available Term Length : 1 Month ( XXXX ) Past Due Amount : {$7400.00} Account Type : Unknown - credit extension, review, or collection Payment Frequency : Not applicable Credit Limit : {$0.00} I request that you provide the following information : The name of the creditor associated with this account. 
The amount of the alleged debt. 
A detailed breakdown of how the amount of this alleged debt was calculated.

Please be advised that failure to comply with these requests may result in further action to protect my rights under the FDCPA and the Fair Credit Reporting Act. 

I expect a response within 30 days from the receipt of this letter, as required by law. Your cooperation in this matter is appreciated. 

Thank you for your prompt attention to this dispute.
Product: Debt collection

This company has been sent a cease and desist order for a debt that is not mine. Please assist with this issue as this debt is not mine nor do I have any contract or binding relationship with this company
Product: Mortgage

I am writing to express my concern regarding the significant increase in my monthly mortgage payment. After reviewing my account, I noticed that this increase is due to a change in the property tax amount from {$2400.00} to {$6000.00}. 

At the time of purchase, I was not informed that the previous owner had a homestead exemption, nor was I aware of the potential tax increase once the exemption was removed. my mortgage changed a lot and I cant afford this its the information I have Your loan information : Loan Amount : {$200000.00} Final Interest Rate : XXXX XXXX Cash due at/from closing : {$160000.00} Proposed Total Monthly Payment ( including escrows ) : {$2100.00} First Payment Date on New Loan : XX/XX/year> Final vesting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had an active XXXX  XXXX account for a few years which I have always paid ; I recently went through financial hardship and could not pay the amount owed. In addition the charges seem excessive since I had to move out of the premises and did not continue to live there.
Product: Student loan

They have inaccurately calculated my income based repayment and then I made a payment and they are trying to make me pay another payment this month.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. 
XXXX XXXX XXXX  ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX  HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES IHAVE 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: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 Balance : {$0.00} XXXX XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$4700.00XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX BANK XXXX XXXX XXXX ) XXXX Balance : {$6800.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$350.00} XXXX XXXXXXXX Balance : {$350.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXXXXXX Balance : {$4700.00}
Product: Debt collection

I do not have any outstanding debts yet XXXX XXXX at TCS Inc. keeps calling every week for the last 3 months. A basic XXXX search says this is a debt collector. They also call from different numbers so maybe this is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its a lot of accounts on my XXXX report that I have no knowledge of and also they are reporting charged off but still show a balance this is hindering my credit worthiness and is compromising my scores please help in the removal of these adverse actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA VIOLATIONS : NOT MY NAMES : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NOT MY ADDRESSES : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident XXXXype Single family NOT MY INQUIRES : XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Mortgage

I saw an ad and inquired about lowering my mortgage loan interest. I clicked to a website and entered my phone number. I received a call back immediately from a " banker '' representing Loan Depot. During the informational phone call, the employee looked up the neighborhood and stated the values were lower than I was stating my home value should be. He checked a few other sites and found a variety of values. He talked me in to going ahead with the appraisal. I would not give approval until I spoke with my husband. I did call back and asked specifically what would happen if the values came in too low. He insisted they work with plenty of lenders and could find a program. To entice me more, they dropped the cost of the appraisal from {$420.00} to {$300.00}. The appraisal was done, on my dime, and came in {$25000.00} lower than a previous appraisal from 8 years ago. I was stunned. The company is now trying to get us to pay them {$20000.00} down to cover the equity and continue the loan. I am demanding from them my appraisal cost back on these grounds : They are the industry experts, when they pulled up a neighborhood whose prices were in turmoil I feel they should have strongly advised against trying a refi at that time ; also-they hid the fact that this FHA loan required certain home features which would have been an issue even had the value come in as hoped ; finally, I feel they are a predatory lender who will do anything to charge the thousands of dollars they collect for providing the service. They even reduced the amount they would charge me by approximately {$1500.00} when I kept questioning them and being resistant to the extra fees and charges. As a homeowner, I would have no way of knowing my exact value. As I stated before, they are in the industry and should better understand the process. With housing in the state it is, homeowners should not be pushed in to paying for an appraisal which is really just a gamble for the bank to make a few extra bucks to file paperwork. I would have NEVER taken this gamble, I would have been better served being told the truth. I should have been told to wait until the area stabilized and had recent sales. Telling me they can still do a loan at the original terms, but only if I come up with an additional {$20000.00} for equity, is an example of an over-promise and under deliver. I was duped by Loan Depot, and feel this company exemplifies the predatory lending label. They will do anything to try to make their few grand a customer. As I write this, I am waiting for the manager to return my two unanswered phone messages where I stated these exact complaints to her and demanded they return my appraisal fees. They had no problem calling me 5 times a day to get my financial paperwork in, but have gone 2 days and 2 messages without a response.
Product: Money transfer, virtual currency, or money service

I purchased a money order of {$480.00} on XX/XX/2020 to send it to XXXX to pay my loan that I took from my life insurance. I sent the money order to XXXX and they returned it back on XX/XX/2020 stating that part of their policy was not taking any money orders over the amount of {$250.00}. They said it had to either be a bank check or another payment method that's not a money order. I immediately called MoneyGram customer service to explain the situation and they advised me to take it to my bank or to the address of purchase which is XXXX XXXX XXXX XXXX XXXX, NY XXXX. I took it to XXXX XXXX  and they refused to let me deposit and told me to contact MoneyGram. I took it to the original address of purchase and they also refused to cash it. I called MoneyGram again and they told me to take it to XXXX XXXX XXXX XXXX XXXX, NY. They also stated that if there was an issue to contact them. The location gave me a form to fill out and send to MoneyGram. They told me there was a processing fee of {$18.00} which I was unaware about. I called MoneyGram again and they told me to mail it back and if I don't pay the {$18.00} processing fee it would be deducted from the {$480.00}. They also told me to write on the back of the money order " Not used for purpose intended ". I sent it to them on XX/XX/2020 by First Class Mail. I called them on XXXX and customer service told me it wasn't processed yet and the quickest way was to do it online. She walked me through the online application on XX/XX/2020. Since then I have been calling MoneyGram because I need to pay my overdue bill and they are not helping me. I have been on calls where workers told me to wait and have hung up on me. I need this money quickly to pay my bill. I now have late fees due to this incident and there is no way to pay my bills. On XX/XX/2020 it still says that my replacement request is submitted.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed XXXX that recovering lost funds was impossible and that tracking these transactions was unfeasible. the CFPB 's finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted on several occasions to Experian to remove inaccurate accounts. XXXX Acct # XXXX Acct # XXXX. Experian claims they verified it but would not give me the information on who they talk to and any proof they required.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I pulled my credit report and noticed that there is multiple fraudulent accounts listed on my credit profile. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX these accounts do not belong to me. I have never signed any documents agreeing to have my information shared with these companies. According to 15 USC 1692g ( a ) I was suppose to be notified regarding the furnishing of these alleged debts however I never was which resulted in these accounts being listed fraudulently. I have filed a FTC report along with providing my photo Id I want these items investigated immediately because I am in the process of becoming a homeowner and these items are causing sever damage to my creditworthiness. If any proof can be provided then it must have my wet ink signature on a legally binding contract otherwise I believe that it can be fabricated by the culprit who stole my identity to open these accounts.