23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX : I receive a call from XXXX. Caller leaves voicemail, identifies self as " XXXX XXXX '' calling about an " important business matter '' and states " we want assure that you are given a final opportunity to secure a statement here in your defense so that no decisions are made without your knowledge. '' She leaves call back number XXXX ext XXXX and ends call with " you've been notified and good luck ''. 

XXXX : my brother receive a call from the same woman at the same #, asking for me. She gives him my date of birth and tells him she is calling about an important legal matter and needs to get a statement from me before they reach out to my employers. 

At no point does she inform either of us she is trying to collect a debt and she misrepresented herself and the situation to be about a pending legal issue. I call the XXXX # and the automation says it is OFG LLC, a debt collection company. I believe this may be a scam, but either way, she used legalese and scare tactics to try and get me to call her.
Product: Mortgage

When it came time for me to finance a mortgage on my home, I thought it would be best to go through the bank I have my personal and business accounts with for over 10 years. XX/XX/ 2021 I applied for a mortgage with Wells Fargo. I provided all the information and documents they asked for within a week. A few weeks went by and I heard nothing. I called on several occasions to finally get a hold of someone a month later telling me my application could not move forward and nothing more. I was so hurt and confused as nothing had been communicated to me as to why. I felt I was stuck in the mortgage I was in and almost too devastated to move on until a friend suggested to at least try another lender. So I did and I got approved. Nothing on my end change and the company actually processed my application and communicated with me.
Product: Student loan

I have a loan from XXXX XXXX, which is being serviced by First mark services. My total loan amount was US {$26000.00}, and I have been paying monthly payments of US {$340.00}. 
On XX/XX/XXXX, I wrote to Firstmark 's customer services to ask about complete repayment of my student loan and the amount that was due to be transferred. Since I am now working in the XXXX, I was advised to use XXXX. I was further informed in the email, " The total payoff amount on your loan is {$19000.00}, which is valid for 10 days through XXXX/XXXX/2021. This payoff amount includes the current principal balance, any outstanding interest and the interest that will accrue through the payoff date. '' On XX/XX/XXXX, I used XXXX to transfer a total of XXXX XXXX ( US {$19000.00} ), and received a confirmation that they received the amount of US {$19000.00} on XX/XX/XXXX. I have the receipt for the same. I was also informed by Firstmark services that my loan account would be settled with XXXX working days of XXXX receiving the payment. 
On XX/XX/XXXX, I checked my account and it continued to show the same outstanding amount. On checking my account further, I was shown that the payoff amount was XXXX. I paid the difference of US {$30.00} and received another email from the customer services at Firstmark saying, " Thank you for contacting Firstmark Services. 
The total payoff amount on your loan is {$19000.00} which is valid for 30 days through XX/XX//2021. This payoff amount includes the current principal balance, any outstanding fees and interest, as well as the interest that will accrue through the payoff date. '' I have paid everything due from my end and need a no dues letter to make sure that my loan account is closed. Firstmark customer care does not seem to understand and I fail to see what the problem could be. Can this be addressed please?
Product: Debt collection

Dear TEXCAP Financial LLC, This letter serves as a formal demand that you cease and desist from all further communication with me regarding the above-referenced account. I am requesting this under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

According to your records, the account details are as follows : Account Number : XXXX Original Loan Date : XXXX Amounts Referenced : [ e.g., {$16000.00}, {$4100.00}, {$6400.00} ] Status : Charge-Off I dispute the validity of the debt and the accuracy of your reporting. Additionally, I request that you verify the following : 1. The original creditor and detailed transaction history.

2. A breakdown of the amounts you claim are owed.

3. Documentation showing your authority to collect on this account.

If you are unable to provide this documentation, you must immediately correct any inaccuracies on my credit report, cease further attempts to collect the debt, and update the account status accordingly. 

Failure to comply with this request will leave me no choice but to pursue all legal remedies available to me, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

Please consider this letter your formal notice to stop all communication with me regarding this matter, except for providing written documentation of the requested verification or to confirm closure of this account.
Product: Debt collection

I am writing in regards to a collection account IN AMOUNT of { {$600.00} } that has been placed on my credit report by this CA that I HAVE NO knowledge of. There is no signed contract between this company and I and demand it to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Credit Acceptance I had covid last year and I was out of work I called the customer service dept to see about the late payments reporting on my credit report from XXXX. I spoke with someone and they stated that if I can pay the balance and keep up with current payments they will remove late payment from credit bureaus. Ive been fighting with this for months now. Same situation with XXXX XXXX and they are showing late payments from XXXX, XXXX, XX/XX/XXXX. I already submitted letters to show that those late payments was undated and needs to be removed immediately.
Product: Student loan

Have never heard of Coast Professionals until my wages were garnished. Never received notice from them. Been going on for 4+ months. Sent them letter asking for verification of this debt, received nothing with my signature, never marked disputed on my credit reports, breaking federal law. And my credit reports showing total of {$12000.00} in debt, this company is garnishing me for more than {$17000.00}. Garnishment led to me being late on rent payment for XX/XX/XXXX, and now I am a homeless single father with a XXXX year old daughter.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 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 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

This is my follow up to express my dissatisfaction and file a complaint regarding the recent attempt to remove fraudulent items from my account. I believe that the process undertaken to rectify the situation has been unsatisfactory and warrants further attention. I expected a swift and effective resolution, but the process has been marred by incomplete information. Additionally, I am concerned about the lack of transparency in the communication throughout this ordeal. Timely updates and clear information regarding the steps being taken to rectify the situation would have greatly alleviated my anxiety. Unfortunately, the information provided has been insufficient, leaving me in the dark about the progress of the investigation. I am requesting a thorough review of the handling of my case and a comprehensive explanation of the steps taken to address the fraudulent transactions. Furthermore, I insist on a detailed plan outlining how your institution intends to prevent such incidents in the future. I am asking for your assistance to remove these fraud items : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$320.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. I am a recent XXXX XXXX  and have been recently looking for places to live in the next step of my life. There seems to be an incorrect eviction on my report that is holding me back from getting a house. 2 years ago I disputed and called all bureaus when I became aware of it. The athletic director from my university wrote a letter describing that I was a full athletic scholar. Meaning books and living are free so its mo way I could owe anything. It was athletic housing and I transfers mid semester to accept another full scholarship at XXXX  and another player took over the room.
Product: Credit reporting or other personal consumer reports

I was checking my credit and noticed a lot of accounts opened in my name that I have no recollection of and did not authorize. These were opened up in XXXX  companies include : capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently checked my credit report from Experian, XXXX, and XXXX   and I was shocked to see a previously deleted fraudulent account was reinserted back to my credit file. The XXXX  XXXX XXXX fraudulent account ( Acc no : XXXX ) was disputed and deleted in XXXX of 2019. However, Experian, XXXX, and XXXX  reinserted the fraudulent account after seven months without notifying me.
Product: Debt collection

Be aware that this is a notice to Caine Weiner for the following alleged debt with account number : XXXX from progressive. As of right now I have requested that this company cease all communication as described in the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA describes communication as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is a medium of which this company is chossing to communicate with me. I did not get them written consent to do so. Pursuant to 15 U.S. Code 1692c this is a notice to cease all communication including credit reporting except that you may communicate with me under the stipulations of responding to a complaint from the consumer financial protection bureau ( cfpb ). If it does not stop I will seek litigation.
Product: Vehicle loan or lease

Hi I am writing to express my deep frustration and disappointment with the handling of an ongoing issue related to my BMO auto loan account # XXXX. 

Unauthorized transactions were executed from my XXXX XXXXXXXX XXXX account to BMO on the following dates : XX/XX/XXXX ( {$570.00} ), XX/XX/XXXX ( {$860.00} ), XX/XX/XXXX ( {$860.00} ), and XX/XX/XXXX ( {$860.00} ). These transactions, totaling four in number, were directed to an individual named XXXX XXXX. ( Account # XXXX ) at Harris BMO Banks. To my great astonishment, these transactions took place without my knowledge or consent. 

I contacted XXXXXXXX XXXX on XX/XX/XXXX, to file a claim regarding these unauthorized transactions. XXXXXXXX XXXX, recognizing the gravity of the situation, closed my account and subsequently refunded {$1400.00}, covering the transactions on XX/XX/XXXX and XX/XX/XXXX. 

In addition, I reached out to BMO in XX/XX/XXXX to address and rectify this issue. XXXX XXXX, a Resolution team specialist at BMO, has been assisting me with this matter. During our discussions, it came to light that BMO initiated two fund transfers to my closed XXXX account. On XX/XX/XXXX, an amount of {$860.00} ( with trace number ACH : XXXX ), and on XX/XX/XXXX, an amount of {$950.00} ( with trace number ACH : XXXX ). Regrettably, these transactions were reversed and returned to BMO, and I did not receive any funds with these transfers.

I am specifically requesting the reimbursement of the funds related to the unauthorized transactions on XX/XX/XXXX ( {$860.00} ) and XX/XX/XXXX ( {$860.00} ), from BMO.

Despite my efforts to resolve this matter, I have experienced six months of unproductive back-and-forth with XXXX at BMO. This ordeal has not only been time-consuming but has left the issue unresolved. I am deeply frustrated by the lack of progress and the constant redirection between XXXX and BMO.

It has come to my attention that the root cause of this problem may have been an error made by a BMO representative, resulting in the misdirected auto payments. I firmly believe that it is BMO 's responsibility to address and rectify this situation promptly. 

I am left in a position where I do not know whether to reopen my old XXXX account, as their advice to file a claim seems impractical given that my account is now closed. I am seeking your urgent assistance in resolving this matter and preventing any further unauthorized activity on my account.
Product: Debt collection

Nelnet is reporting incorrect information to my credit report, payment history, account number, loan amount, loan date, and type of account. I have contacted Nelnet multiple times and they continue to report incorrect data. and they are reporting the information multiple times ( XXXX times )
Product: Debt collection

I have disputed Fox Collection Center accounts XXXX FOR {$400.00}, XXXX FOR {$730.00} AND XXXX on my XXXX credit report, XXXX credit report and XXXX credit report multiple times. The company fails to verify that the debt is mine. 

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? 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 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and intend to pursue litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

Accounts XXXX FOR {$400.00}, XXXX FOR {$730.00} AND XXXX for {$66.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, Equifax Inc.announced a cyber security incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from XXXX through XXXX XXXX. 

According to www.equifaxsecurity2017.com, my credit report information may have been compromised : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Product: Debt collection

OAC has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my infants private information including medical record number and date of a major XXXX. This is a major XXXX violation because I have never done business with OAC yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me XXXX XXXX XXXX XXXX  due to their illegal tactics. My request has gone ignored for a month now & I am enforcing the law. A final notice of default has been sent to the company via certified mail. Complaint is also being forwarded to HHS.gov.
Product: Debt collection

I had a XXXX credit card it was charged off I paid it in a settlement it was sent from credit store to oliphant financial to XXXX XXXX and when I spoke to XXXX XXXX they said the account is paid for {$800.00} and they dont know why Im being reported so I called Oliphant back and they claim that they have no access to my account to call XXXX XXXX back. Im getting a run around, they reported my to XXXX and they took off 14 points off my score on an account that was already satisfied. I want my score restored to XXXX and for the to erase themselves off my credit report due to fraud and negligence. BTW I never got notification of this debt cause it was already paid.
Product: Mortgage

I sent a previous complaint XXXX ; this is in follow up. In summary Carrington Mortgage took over my loan from XXXX XXXX  in XX/XX/XXXX per the initial letter. I have been making payments to them monthly since XX/XX/XXXX. They sent me an intent to foreclosure letter. My mortgage payment is {$1100.00} at 11.2 % interest rate. I was in touch with them and completed loan modification papers. ( My payments are automatically sent from my account ). The XX/XX/XXXX payment was sent on XX/XX/XXXX and it was returned on XX/XX/XXXX. I received a letter on XX/XX/XXXX stating that they approved me a loan modification, but did not state what the new payment would be, and that they wanted me to make payments of {$1400.00} until the final loan modification documents were confirmed ; starting XX/XX/XXXX. ( The letter said my current loan and agreement were still in place ). If that is the case, then why ask me to pay more than my current mortgage. If I was struggling to pay {$1100.00}, then why would they want me to pay {$1400.00} instead. It makes no sense to me. Any why are they not stating up front what the new loan modification payment would be. I donot want to accept any new arrangement without knowing upfront what the new payments would be. That just does not sound like good business. I told you at the beginning I felt they were deliberately trying to take my home ; this behavior from them seems to be confirming that. They decided to take my mortgage from XXXX XXXX, my question is why if they are not going to help. I did consult legal on XX/XX/XXXX and was advised to continue to make the payments and sign the paperwork from the housing counselor ( which I did ). I received a letter dated XX/XX/XXXX stating that as of XX/XX/XXXX my mortgage was transferred to XXXX XXXX ( XXXX. XXXX XXXX, XXXX XXXX  XXXX, XXXX, Texas XXXX ) and that payments should be sent there. However, as of today, XX/XX/XXXX, I have received no official paperwork or letter of introduction from this new servicing company. FYI - the automatic payment of {$1100.00} sent to Carrington Mortgage on XX/XX/XXXX was returned to my account on XX/XX/XXXX. This is an update the housing counselor is following this case.
Product: Student loan

I have tried to work with XXXX XXXX to get my number of qualifying payments corrected. I had the Department of Education Ombudsman check the number of payments and XXXX XXXX XXXX did not correct the number. I have made more than the 120 qualifying payments but right now, they are showing I've made only 55 payments. Two years ago, they showed 47 payments made. These numbers are both wrong. 

I believe I've held up my end of agreement and want Fedloan Servicing to do their part. 

My Student Loans are over 25 years old. The original amount was {$40000.00}. I've paid more than {$100000.00} and still owe {$170000.00} as of XX/XX/XXXX. 

XXXX XXXX University - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX in XXXX XXXX - XXXX
Product: Debt collection

Under the Fair Credit Reporting Act ( [ 15 USC 1681i ] ( b ) ), I request a detailed investigation into the following items to ensure my consumer report accurately reflects my financial history, I've contacted each company, sent certified mail, requesting description of procedure each bureau used in providing all the information under FCRA 611 ( a ) ( 7 ) to be clear per FCRA611 ( a ) ( 2 ) ( b ). for updated and valid information asked them to, requiring each account. I received no call back from some, and/or letter saying I must prove that it is me sending in the requested with my updated name, license, and address which is a form of entrapment, and should be against the law, they don't have my information but saying they won't respond until they have my information, which is ridiculous. I asked them to update my address and phone number they refused, several of this address I need lived at, also they have my name completely wrong. I've received letters from dioxin that I have in fact been a victim of fraud and they still would not accept that. violation of code 1681i