23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Request for Validation of Debt - ACCOUNT : XXXX XXXX XXXX XXXXXXXX I am writing in response to an alleged debt associated with, XXXX XXXX XXXX XXXX. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g.

I dispute the validity of this debt and am immediately requesting that you provide the following information : 1. The ORIGINAL CONTRACT with original creditor WITH MY SIGNATURE attached.

2. The PAYMENT HISTORY with the original creditor.

3. I am also requesting a copy of PROOF OF DEBT ASSIGNMENT.

If you are unable to provide proof of these requests, then the erroneous information MUST be removed within 30 days of your receipt of this notice.

ALSO provide me with the following pertinent information ; 1. Verification of the original creditor and the full amount owed.

2. Detailed accounting of the debt, including any fees, interest, or charges added.

3. Proof that you are licensed to collect debts in [ Your State ].

4. Documentation proving that the statute of limitations on this debt has not expired.

5. Any agreements or contracts signed by me obligating me to pay this alleged debt.

Please note that until the validity of this debt is verified, I demand that you cease all collection activities, INCLUDING REPORTING TO CREDIT BUREAUS.

Furthermore, I assert my rights under the FDCPA and request that all further communication regarding this matter be conducted in writing only.

Please respond to this request within 30 days of receiving this letter. Failure to provide validation of the debt will result in legal assumption that this debt is invalid, and all collection activities must cease.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX.
Product: Debt collection

My wife has been receiving calls from  XXXX   XXXX   XXXX  ( account #  XXXX   ) a cting on behalf  of Cash Central on an a lleged debt that I owe. The issue is that I have NEVER taken out a loan with them. They advised that there are no stores in the  XXXX   XXXX  area where I reside, so this payday loan would have been done online which I can promise I did not do. I have been given the run around and feel that I have not been given enough information to dispute this debt. I also have not received ANYTHING in the mail from these people. When I asked  XXXX   XXXX   XXXX  for the address of Cash Central, I was told the first time that they could not locate it and the second time that their system was frozen. I was only able to obtain an account number ending in  XXXX . They also stated that the individual that obtained this loan put down their place of employment as  XXXX   XXXX , which I worked there, but not in  XXXX  when this loan was allegedly obtained as I have been employed with  XXXX  for 7 years. I was finally able to find a phone number for Cash Central and address (   XXXX   XXXX    XXXX ,  XXXX , OH  XXXX , ph #  XXXX  ). I followed the prompts, opti on 1,   opt ion 1 again, then option 2 for  past due status and then it hangs up each time. I had to find another way to get thru by constantly pressing zero, in which I waited on hold for a go od 25 minu tes to only get some new person that advised me that they were unable to release their corporate address, just the billing address to send payments per her supervisor. She then advised that the account was taken over by  XXXX   XXXX ,  XXXX . I called them and they told me that the account was recalled back by  Cash Central   X/X/2014  and they misdirect calls to them all the time. Me and my wife are in the process of building a new home, and I WILL NOT keep dealing with these people, and I definitely wo n't be calling them back a 3rd time just to wait on hold for another 25-30 minutes to get someone on the line just to give me the run around again. I need some help here please!!! This is not my debt and I have not been given the proper information to dispute it. In my opinion, they have the burden of proof, not me. My social is  XXXX .
Product: Credit reporting or other personal consumer reports

I am writing to address the matter of XXXX XXXX and XXXX XXXX, referencing USC 1608, USC 1602, and USC 1681. According to USC 1608, relevant information or rights. Additionally, USC 1602 outlines inaccurate information and change of information.

Furthermore, USC 1681 pertains to [ mention specific provisions or regulations related to the issue ]. It is imperative that we adhere to these statutes to ensure you guy reinvest and show proof of how you verify these accounts.

Please let me know how we can proceed in accordance with these laws to resolve this matter effectively.
Product: Mortgage

I closed on my mortgage in the amount of {$160000.00} with XXXX XXXX XXXX for the property in XXXX, Mississippi on XX/XX/XXXXat the office of XXXX XXXX XXXX. The monthly mortgage payment for the coming year was set at {$990.00} of which {$750.00} would be for principal and interest and {$230.00} would go into an escrow account to cover the annual tax payments of {$1700.00} and insurance payment of {$970.00}. The escrow cushion set by the loan service was {$470.00}.

I began paying my mortgage as agreed on XX/XX/XXXX in the amount of {$990.00}. On XX/XX/XXXX I was sent a notice by XXXX XXXX XXXX  that my monthly loan payment was going to increase from {$990.00} to {$1100.00} due to the results the annual escrow analysis showing a shortfall of {$1400.00}.

My insurance premium was paid in XX/XX/XXXXin the amount of {$970.00}.

I began paying the new mortgage payment of {$1100.00} in XX/XX/XXXX.

My tax payment was for the XX/XX/XXXX tax year was paid on XX/XX/XXXX in the amount of {$2900.00}.

Although my taxes and insurance amount only added up to an amount that would have resulted in a mortgage payment of {$1000.00} every month, in XX/XX/XXXX I began paying {$1100.00} as instructed and have paid it on time every since.

In XX/XX/XXXX I was informed that my loan was being transferred to Dovenmuehle and that I would begin making payments to them in XX/XX/XXXX.

As instructed I began making payments in the amount of {$1100.00} to Dovenmuehle inXX/XX/XXXX.All of my payments were on time so my mortgage was not in default.

On XX/XX/XXXX I received a correspondence from XXXX XXXX XXXX XXXX that I the escrow shortage is {$2500.00} and that my mortgage payment would be increased again beginning in XX/XX/XXXX to {$1200.00} due to an escrow shortage.

My taxes and insurance have already been paid for XX/XX/XXXX. Based on my previous years tax assessment and payment and my insurance premiums the projections for XX/XX/XXXXtaxes and insurance will be around the same amount as I filed my homestead exemption in XX/XX/XXXX. I actually calculate my total payment to be {$1000.00}.

However, I am being charged an amount of {$540.00} over my principal and interest payment that will result in my paying a total of {$6500.00} into an escrow account that will only disburse a projected {$3900.00} for insurance and taxes between XX/XX/XXXXand XX/XX/XXXX SOMETHING IS VERY WRONG. Where is the other money going? THIS IS FRAUDULENT DOUBLE BILLING AND DOUBLE DIPPING.

In light of previous housing and banking scandals I am making this complaint to CFPB, HUD, and the attorney general 's office as this kind of double dipping places a hardship on homeowners and will result in financial devastation and many foreclosures just to line the pockets of unscrupulous lenders and mortgage servicers.
Product: Checking or savings account

I am seriously concerned about my XXXX XXXX with U.S. Bank. and how they handle my account Dishonestly. As I provided materials pertaining to my Bank account by Mail previously. I am asking for help investigating my account with U.S. Bank according to overwhelm funds Putting under UNAVAILABLE FUND for no reason at all. Trying to Scam me and my account of course. Thank you for any help and consideration to my inquiry. 

Sincerely : XXXX XXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern. The following addresses need to be removed from my credit report I do not live at the following locations. XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX, XXXX XXXX XXXX XXXX, XXXX, FL. XXXX, XXXX XXXX XXXX XXXX, XXXX, FL. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX, XXXX XXXX XXXX PL, XXXX, XXXX, FL. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL. XXXX.
Product: Debt collection

My wages were garnished for student loan debt for two years, ending in summer XXXX. The creditor used a collection agency. I got a letter of release of withholding from the collection agency in XX/XX/XXXX. In XX/XX/XXXX, I received a letter from the collection agency saying that I still had a balance due - which shouldn't be legal, first of all. I called the collection agency in early XX/XX/XXXX and tried to pay the entire balance due off and they wouldn't take my payment, saying they had to verify the balance with the original creditor and that it would take a week ... while interest collects daily. These procedures should be illegal - if I call and wish to pay my balance immediately ( like their letter offered ) I should be able to pay the debt stated in their letter immediately.
Product: Checking or savings account

On XX/XX/year> I spoke with XXXX and XXXX other employees about the consumers personal, business and credit card accounts! Everyone was Incompetent and was not able to produce any information on the business or personal checking accounts! Theres no activity in XXXX yrs according to representatives. 

For the credit card Ive tendered the payment since XXXX but they somehow keep loosing the check or saying that they dont except that form of payment! But never return it back to me! So I took silence as yes it was paid because I never received the payment back! 

This was a consumer credit transaction where the Principal extended the credit and the banks are the borrower 12 USC 1431 and TILA.
Product: Credit reporting or other personal consumer reports

Back in 2019 me and a couple of our friends was out in the town when i lost my wallet. I now have a collection on my credit stating i owe money to some apartments i never lived in. I also have proof of the lease where I resided when the fraud happened.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these ERRONEOUS ACCOUNTS from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any accounts listed below. Once again HERE ARE THE LIST OF ACCOUNTS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX
Product: Mortgage

To Whom it May Concern : I am attorney who has been trying to negotiate a short sale with SPS on behalf of my client, XXXX XXXX, loan # XXXX, for almost 11 months. Over the course of the last 9 months, I have submitted documents for consideration by underwriting, and underwriting has either ignored submission of these documents and requested them again, thereby pushing the " 30 days for the lender to make its decision '' out again and again and again. Most recently, which is what has pushed me to send this complaint, is that on XX/XX/XXXX, I was advised by SPS that my client 's HUD needed to be revised to add a 3rd party to the HUD with a commission. On that date, I had both the first client representative and then a manager review the listing agreement and advise me that the party, XXXX, XXXX, something like that, was not a party to the contract and therefore did not need to be added to the HUD. The matter was then " expedited '' for review to be submitted to underwriting again. On Saturday, XX/XX/XXXX, I again called SPS.  Underwriting had kicked the file back again with the same note, a certain 3rd party needed to be added to the HUD. Again, two representatives reviewed the listing agreement and stated that underwriting was incorrect and they would resubmit. My concern is that underwriting will simply continue to reject the HUD despite the fact that change that they are requesting is legally impossible. No one in the SPS call  center has a way to address this. My clients have been waiting 11 months for determination of this short sale. I do n't know what else to do. Thank you, XXXX XXXX XXXX, XXXX.
Product: Credit card

Answered a phone call from XXXX. The person said he was calling from Credit Card Services. He wanted to verify I applied for a Discover Card yesterday. I DID NOT APPLY FOR ANY CREDIT CARD!

He sent a " security code '' to my phone, and said I had to tell him the code. I told him I thought he was a SCAMMER and did NOT give him the code. He got extremely belligerent and said my credit will be ruined if I do not give him the code. I hung up. 
I called Discover Card at XXXX. The agent said a CREDIT CARD APPLICATION WAS RECEIVED YESTERDAY, WITH MY NAME, SOCIAL SECURITY #, ADDRESS & PHONE NUMBER. I told her this was FRAUD! She immediately blocked the card, then transferred me to another department that was processing the application. I CONFIRMED THE APPLICATION WAS FRAUD, and the 2nd Discover Card agent blocked the card. 
The origination of this SCAM was a call on Monday, XX/XX/year> purportedly from XXXX 's XXXX House. " XXXX XXXX '' sent me a text with a code ( to activate the " prize '' I had purportedly won ) which I then provided to him. He then sent a code to my wife 's phone for " verification ''. I gave him that code. He then went into detail about going to XXXX to pay $ XXXX, which would be reimbursed when my " prize '' was delivered. My wife overheard and told me it was a SCAM. I told " XXXX XXXX '' it was a SCAM. He got belligerent and said I would be in trouble for saying he was a thief. I hung up. 
Unfortunately, he had enough information to get into my wife 's credit card and bank accounts, changed the phone number, and started making unauthorized purchases. My wife has filed a report with FTC.Gov.
Product: Debt collection

Eastern account systems just added an account onto my credit report that states I opened an account with them on XX/XX/year>. & have a balance of {$65.00}. I have no knowledge of this account, and I am requesting an immediate removal. This debt collector is violating the Fair Credit Reporting Act ; by reporting inaccurate information,15 U.S. Code 1692g. I have never received a letter to even dispute the validity of this debt, they have not even confirmed this debt belong to me So, I would like to know where you get this information from. I demand that this account be REMOVED immediately. Under the Fair Debt Collection Practices Act ( FDCPA ), collectors must validate debts and adhere to specific communication protocols!!
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX FAIRWINDS XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, 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/block any items listed 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 list of items which do not belong to me or were opened without my permission :
Product: Credit reporting

On my XXXX credit report. XXXX / child support has not been updated. Please update payment amount, due amount and payment history, amount is much lower now and I have made current payments for several years thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX and 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 an account without my written instructions This account also shows inaccurate information as it is reporting 2 different kinds of account number.
Product: Student loan

In XXXX of 2023, my student loans were discharged as part of the XXXX XXXX XXXX XXXX. I am entitled a refund for the amounts paid over the years. I have requested this information on multiple occasions directly with Mohela with no response. I have called multiple times to be hung up on or eventually disconnected after waiting on hold for hours as the agents are unable to answer my question and require research.
Product: Mortgage

Due to loss of income from the COVID pandemic, I utilized the forbearance option with respect to my mortgage from XXXX of XXXX until XXXX of XXXX. 

While trying to negotiate a modification with M & T Bank, I have been unable to submit my Borrower Financial Report, which includes a summary of my entire financial situation, as well as statements for all of my bank accounts and paystubs for multiple family members, it is a treasure trove of financial information and should be treated with utmost confidentiality by a financial institution. 

I have tried to mail it but after two weeks they claim that it has not been received, and due to this reason, I will need to deliver it in an expedited manner requiring electronic delivery. The only other delivery options available are to ( a ) fax it, which requires the additional expense of using a third-party service ( who will retain a copy ), or ( b ) to e-mail it. Either of these methods leave my financial data exposed and easily accessible to hackers. 

Time constraints will require that I compromise my financial information in this manner and I am shocked that a large bank does not have a means of securely delivering confidential information available. I am gravely concerned that in this day and age a financial institution is requiring the delivery of sensitive financial documents containing Non-Public Personal Information by such insecure means. I am certain that they are a ripe target for a data breach.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 6 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a Personal loan XXXX XXXX XXXX XXXX Account number XXXX Opened : XXXX. XXXX I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit and auto loans account opened at XXXX XXXX XXXX XXXX Account number XXXX Opened : XXXX. XXXX This account have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on myconsumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft andfraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, Greetings, I have initiated disputes with XXXX and XXXX XXXX to remove incorrectly reported late payments for NELNET Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my credit reports. XXXX and XXXX XXXX will need to provide validated proof to be authorized to report the correct information per the Fair Credit Reporting Act. I have provided all requested documents to XXXX and XXXX XXXX to get this issue resolved in which they requested. I have also reached out to the creditor but they have also fail to fully validate the account was late during the months being reported on my credit reports. The account is currently in good status with a defferd till XX/XX/XXXX. Below are the reported late months that should be updated on my XXXX  and XXXX XXXX credit report.. Should you need any additional information please let me know. 

Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX # XXXX XXXX, PA. XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have given them all the prof of documents that paypal asked me XXXX XXXX and I have been able to transact properly within 48 days I have been using paypal but suddenly I received no longer business in my account with paypal last XXXX XXXX I don't know what I did wrong..I tried to talk to paypal but the auto bot keeps saying that my paypal can't be used, I hope it can be returned because I use it for my business, thank you very much Reference ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NORDSTROM/TD BANK USA XXXX Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 114 % Balance {$1900.00} Balance Updated XX/XX/XXXX Credit Limit {$1700.00} Monthly Payment - Past Due Amount {$1900.00} Account has been closed/charged off since XX/XX/XXXX which is still reporting a balance along with reporting a delinquent payment history every month up until present day. The account was written off by Nordstrom who in turn sent me a tax form stating so back in XX/XX/XXXX/XX/XX/XXXX. Please stop allowing this account to continue to report negative payment for the last 4-5 years, I have no way of knowing who debt was even sold to therefore can not make payment even if possible please help!