23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Re : Account Number : XXXX Subject : Debt Validation Request Pursuant to

15 U.S.C. 1692g To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt associated with the account number referenced above. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you validate the debt and provide the following information to confirm its accuracy : 1. The name and address of the original creditor. I request clear identification of the original creditor and the full legal name under which the debt originated. 2. A full itemized statement of the debt, including the total amount and how it was calculated. This should include any interest, fees, or other charges that have been added since the original balance, along with a breakdown of these amounts. 3. A full detailed list of the payment history on this account. Provide all payments made, including the dates of payments and how each payment was applied ( i.e., principal, interest, fees, etc. ). 4. A copy of the original signature that I agreed to on the contract for this creditor. I request a copy of the signed agreement or contract that establishes the original debt. 5. Proof that you have the legal right to collect this debt ( Chain of Title ). Please provide the complete chain of title for this debt, including any and all transfers of ownership or assignment to your agency, demonstrating that you have the right to collect this debt. 6. Has any insurance claim been filed related to this debt? Please inform me if there has been an insurance claim filed on this debt, and if so, provide details regarding any payments or settlements received by the original creditor or other entities related to this claim. 7. Verification that the statute of limitations for this debt has not expired. I request confirmation of the date this debt was incurred and assurance that the statute of limitations has not expired. In accordance with the FDCPA, you must cease all collection efforts until this debt is fully validated. If you are unable to validate the debt, I request that you correct your records accordingly and cease any further communication regarding this account. This letter is not a refusal to pay, but a request for proper validation of the debt. I will need at least 30 days from receipt of your response to review and investigate the information provided. Please send your response to the address listed above. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXXXXXX Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX : Dear XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

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

I keep getting a call from XXXX saying that they are representing Tier 1 Capital LLC and that they are going to send me a summons for failure to pay on a payday loan that I did not take out nor do I owe. He was trying to confirm other personal information. They are also calling my husband 's phone. 

The numbers they are using are:XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I disputed a collection account with [ Experian/Equifax ] , and the dispute was resolved in my favor. However, they have failed to remove the account from my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This collection is actively preventing me from obtaining necessary credit, and I need it removed immediately. 

I have attempted to contact [ Experian/Equifax ] multiple times, but they have intentionally kept me on hold for extended periods, making it impossible to speak with a representative. This is an unfair business practice designed to delay resolution. 

I am formally requesting that [ Experian/Equifax ] remove this collection account immediately and provide written confirmation of its deletion within 48 hours. If this is not resolved promptly, I will escalate this issue further, including filing a complaint with my State Attorney Generals Office and seeking legal action for damages caused by their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting the CFBP regarding this Bank of America account showing on my consumer credit report. Since XX/XX/2015. I have sent 3 credit validation letter and an offer letter to pay a portion of the claimed debt in an effort to resolve although it has never been verified. I am doing everything I can to communicate with this company and work to have this information removed from my credit report. In a previous complaint with the CFBP, I was given this information, If you would like to make payment or settlement arrangements, please contact our Internal Recovery Unit at  XXXX. We regret any confusion this may have caused you. However, the number does not work. I have been calling consistently for over 6 months. The operator answers and says, Thanks for calling Bank of America, we are not available at this time. Try your call again later. The company is not communicating with me and acting as if the damage this account is causing to my consumer credit profile is not urgent. I NEED a resolution and the account needs to be removed from all three of my credit reports. That is all I am asking.
Product: Credit reporting or other personal consumer reports

Date XXXX requested information about the account. They did not provide account information. this company XXXX XXXX XXXX - XXXX XXXX is not licensed to collect debt in the state of PA. This account is not mine. Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of getting a house and I have found several violations on my credit report by the credit agencies. It is my understanding that I should have been contacted within 30 days of resolution to my letters that I have sent to the credit bureaus. It has been over 60 days and I have still not been contacted. The violations that I am a victim of are affecting my personal life and goals and I demand the violations be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When Covid-19 hit, we were unsure if payments would be made on our home mortgage, I called them and they graciously extended 90 days due to the crisis - called forbearance- noting that full payment must be made for the three months plus the month coming, which I agreed would be fine. I recently checked my credit score and noted that the forbearance was reported and it dropped my credit score by 30 points. This is cruel and unusual punishment for a person who has NEVER missed a payment, EVER. Plus, we had decided to go ahead and bring our account current by making two payments on XX/XX/XXXX, and today, I received a call from the mortgage company wanting to know what we were going to do XX/XX/XXXX. I'm upset on two fronts that calls were made in an attempt to collect a debt that was already paid current - plus, taking a credit report hit that was totally undeserved since the entire country is in a crisis ... ... .just thinking that these actions were not only uncalled for but very unfair to my personal credit and I would like to have satisfaction on this complaint by way of punitive measures against PHH or XXXX, whichever is claiming ownership at this time - maybe even a monetary penalty as well. Needless to say, I will be looking to refi with a different company asap. 

I own and operate a XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) and my personal credit drives many decisions that our vendors make regarding extending credit to my XXXX  - this negatively impacts not only me, but my XXXX  and it's 10 employees. The ripple effect is very strong in my eyes, and this action damaged myself and my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send this complaint to inform you that this is the several time I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, My credit card account with XXXX was compromised and I lost all access to bill pay on the account. In XXXX, XXXX reported that I was late on payments erroneously and that I was late on payments ( when i have no correspondence from XXXX on this ). I requested at this time that XXXX suspend my card. Now they have continued to accept charges on my card and have reported, again to the credit agencies, that i owe money on this card and was late in XXXX, when my first correspondence was in XXXX on this. Please request that XXXX take these notes off of my credit report.
Product: Mortgage

I XXXX XXXX, a minority woman who has recently gone through a financial hardship due to a medical issue hereby state on the record : 1. I was on workmans compensation right after my initial injury in XXXX of XXXX. 
2. I used the rest of my savings for a time-period to maintain my mortgage payments. I them filed for a Chapter XXXX bankruptcy petition where I simply could not keep up with the payments. 
3. I filed for a mortgage modification on XXXX XXXX, XXXX, after a lengthy conversation with a Wells Fargo representative. A copy of the initial filing is attached. 
4. After that date, Wells Fargo never responded back to me. 
5. Since that filing, I am now back to work full time, and I can pay my mortgage every month after a modification is approved. 
6. This past week I received a notice that my home was scheduled for foreclosure XXXX XXXX, XXXX. 
7. This is unfair as I was never served with a complaint of foreclosure, was protected of any filing as my Chapter XXXX was just dismissed, and I was protected under the US Bankruptcy code while the Chapter was active. This is a violation of my rights under the Fair Debt Collection Practices Act, as well as the US Bankruptcy Code. There was never a foreclosure complaint served to me personally. 
8. Now I must file an action in federal court to purge this action, and I am still in activity with Wells Fargo. 
9. I need this complaint to be filed with the Consumer Financial Protection Bureau, as I am a consumer in the United States, a citizen that is having her rights violated, and a member of the minority community that feels that her race is a factor that law firms can take advantage of, in addition to Wells Fargo.
10. I am now healthy, and ready to start making payments on a modified mortgage. 
I request immediate action so that I can fulfill my obligations, and keep a roof over my head for my children and grandchildren. I am asking for no handout, just my rights under federal laws. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

Money was taken out of my account. Transactions was not authorized by me through sale and on certain dates of year XXXX and also XXXX separate accounts from XXXX Of XXXX and also XXXX, and I just want them to know that they are not taking action for people of my need.I am disable
Product: Student loan

In XXXX XXXX, I found myself in a very painful situation. I was separated, no personal goods, and virtually penniless. I discovered that I was in default on my Stafford loans, and I negotiated with the agent at XXXX XXXX XXXX to have the 30 % default removed from my balance if I found alternate financing. I applied for consolidation with the Department of Education Direct Loans during the same month, and XXXX did nothing with my requests to have the balance released until XXXX XXXX. When the Dept. of Ed. refi 'd my student loans, the additional 30 % was still included in the balance. I simply refused to pay until the error was corrected, until XXXX XXXX when XXXX XXXX started harassing my mother over the phone. I agreed to the default rehabilitation payment schedule with the understanding that the 30 % from the original refi was removed, as well as the additional 30 % tacked on by Navient for the more recent default. I followed through on my committment, only to discover that the additional penalties still stand. In essence, I complied and maintained my committments on a $ XXXX student loan debt, only to have the subsequent servicers add on fees balooning the amount to $ XXXX, sit on paperwork, and basically tell me I have no choice in the matter or in disputing the balance since Navient contends my completed request for the refi in XXXX qualifies as my approval of the balance ( which was NOT correct ). Adding insult to injury, this student loan debt was incurred for a XXXX XXXX XXXX in XXXX XXXX ( XXXX XXXX College ) and an XXXX in XXXX XXXX ( XXXX XXXX University ), none of which are any use in my current field XXXX. 
I have reached out to my Congressional representatives, and they have not been able to provide any assistance with this. This is my last stop before I consider bankruptcy.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes to XXXX, XXXX, and Transunion. They have not been investigated. I have even attached a XXXX bureau credit report showing the errors. They do not send results to my house. They have not fied the errors on my report.
Product: Credit reporting or other personal consumer reports

There was a hard check on my credit report from " OneMain Financial '' that was not authorized on XX/XX/year>. 
I called the associate at " OneMain Financial '' and explained to him that this was not authorized. He responded and said I have to call " XXXX ''. 
When I called " XXXX '' on XX/XX/year> they explained that there is nothing they can do on their end and I need to file a complaint with the CFPB to remove the hard inquiry from my credit report.
Product: Checking or savings account

I found out my account was being closed by US BANK XXXX XXXX is the XXXX XXXX XXXX, XXXX, CA XXXX on XX/XX/XXXX. My remaining balance was {$3600.00} and the specific branch decided to withdrawal my money and hold it at that branch location. so my account was close at XXXX $ but the brand has my XXXX $ they never seem to have a manager in there substitute manager is name XXXX and she is not helping me at all and talking to me like i'm a criminal. I had personally drop off the documents the bank was asking which is anything related to my deposits made. 2 Money order with the receipts stub and my payroll with the tear part along with a invoice on XX/XX/XXXX XXXX they never call me to fill me in on anything i always have to call them. 
but they told me the documents are not good enough. I mean what else did they want i gave them receipts. but yeah that is my situation. Please help i have XXXX  XXXX XXXX and need my money to take care of my health and US bank is not trying to help at ALL. i feel like i'm being racially profile. my name is XXXX XXXX XXXX XXXX XX/XX/XXXX address XXXX XXXX XXXX XXXX XXXX ca XXXX
Product: Credit reporting or other personal consumer reports

I got phones from XXXX via online and the service was terrible so I called them and told the I was moving to XXXX they sent me a return label to send all 3 phones back and I did on Friday XX/XX/year> since then Ive contacted XXXX several hundred times first they created a escalation and was told not to worry if the phones didnt show up that I was covered since they had lost claim protection after many months I revived a bill for over {$2500.00} I contacted them and they said I had to figure it out since I was no longer a XXXX costumer they didnt have to help me and to contact XXXX  I contacted XXXX  and they said XXXX had to reach out since they created the label and there the owners on the account and per their agreement they only could make the claim fast forward to today and after reaching out to XXXX  via XXXX and XXXX I finally was able to connect to corporate and they handled the claim and paid XXXX directly for the claim and XXXX still has me listed on collection even do I have provided all the emails has a 3 way called where XXXX  told them the check number and claim info and they informed them that XXXX was aware of the claim as there connected via there account
Product: Debt collection

This fraudulent XXXX XXXX  account was removed from my credit in in XXXX, months after it was reported in XXXX of XXXX. As a result of identity theft, XXXX and XXXX XXXX ( third party collection agency at the time ) confirmed the account was fraudulent and deleted the account from my credit reports. 
In XXXX of XXXX XXXX sent this same account into collections again and IC SYSTEMS ( a current third party collection agency ) has reported this to my credit once again. Negatively impacting my scores with fraudulent information, XXXX and IC SYSTEMS continue to attempt to collect debt on this fraudulent account. This is against the law. If this is not resolved immediately I will be seeking legal remedies
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XXXX DOB : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the XXXX, XXXX, and Experian credit report agencies, 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 an auto loan account opened at XXXX around XX/XX/year> under the account number XXXX, a collection account opened at XXXX XXXX around XX/XX/year> under the account number XXXX, a secured loan open at XXXX around XX/XX/year> under the account number XXXX, and a telecommunication mobile landline account under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 my consumer 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 and fraud. 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

XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 USC 1666B this is a billing Error always paid as agreed on time this is an error this account in Violation. 

XXXX XXXX XXXX XXXX XXXX  Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX  FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX  FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX  FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting.