23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Sir/Madam, I am writing to dispute the validity of a debt that Fair Collections & Outs has reported to my credit report. According to the information provided on my credit report, Fair Collections & Outs has claimed that I owe a debt in the amount of {$16000.00} to the original creditor, XXXX XXXX. However, I have reason to believe that this debt is inaccurate and should not be reflected on my credit report. 

Upon reviewing the entry for this alleged debt, I have not been provided with sufficient evidence or documentation to verify its validity. Despite numerous attempts to obtain validation of the debt from Fair Collections & Outs, I have not received any documentation that establishes my liability for the debt in question. 

Therefore, I am formally disputing the validity of this debt and requesting that Fair Collections & Outs provide me with the following information to verify its accuracy : Documentation showing the original creditor, XXXX XXXX, and the account number associated with the alleged debt. 
Itemized statements detailing the charges, dates, and nature of the transactions that purportedly resulted in the debt. 
Any contracts, agreements, or other legal documents that establish my liability for the debt. 
I understand that under the Fair Debt Collection Practices Act ( FDCPA ), Fair Collections & Outs is required to provide me with verification of the debt upon my request. Failure to provide this information will result in a violation of my rights as a consumer. 

In the meantime, I request that Fair Collections & Outs cease all collection activity on this alleged debt until such time as they have provided me with the requested evidence and I have had an opportunity to review it. 

I have enclosed a copy of my credit report, highlighting the entry for the alleged debt reported by Fair Collections & Outs, for your reference. I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and ensure that my rights as a consumer are protected. 

Thank you for your attention to this dispute. I look forward to receiving a prompt response and resolution to this matter.
Product: Debt collection

I am writing to dispute fraudulent accounts that have appeared on my credit report. Unauthorized accounts have been listed under my name, specifically the XXXX XXXX XXXX XXXX account ending in XXXX, marked as fraudulent.
Product: Credit reporting or other personal consumer reports

This account is from XXXX XXXX XXXX a company when I called does not have and record of my name or social security number. No account is was removed from my credit. Now Equifax have resubmitted the account on my credit report and another account I have no knowledge of. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$12000.00} XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

In XXXX I applied for a XXXX XXXX XXXX or XXXX XXXX loan for the amount of {$4000.00} for the XXXX  and XXXX semester. After about XXXX to XXXX years later I received a letter from them saying that I had to start paying for the loan and I was paying {$15.00} a month after year to XXXX I realized that I was paying this loan to XXXX different companies so I stop paying. About XXXX years later in XXXX I received a letter in the mail that I have been XXXX and I have to go to court on XX/XX/XXXX was my court date I think so. For some reason I wasn't able to attend my court date so couple of months later I received a letter in the mail that I loan increase to {$8000.00} and they are going to be collecting the payments from my paycheck. So I was paying {$800.00} a month for about XXXX to XXXX months and they send me a letter that my loan was paid off. But I have been checking my credit and I still seem account or companies still my credit report saying opening and account has been transferred
Product: Mortgage

Hello, My home mortgage was just recently transferred to XXXX XXXX XXXX ( ShellPoint ). I was notified of mortgage transfer late XX/XX/XXXX. Once I received the letter of transfer, I called ShellPoint to make a payment and set-up a re-occurring auto pay transfer. However, it seems the auto pay was never activated. 

Couple of months passed by and I realized the amount of money I am keeping for the mortgage is not being deducted. I called Shellpoint customer service and only then I was notified that my account is past due! During the " past due '' period, I didn't receive any letters, phone calls or emails to indicate that my mortgage payments are not going through. Also, by law, I have 60days to make a payment from the day of notification ( mortgage transfer ).

Currently I am going through a financial hardship. I am trying to refinance to decrease my mortgage monthly payment. This false late payment caused my credit score to drop  tremendously and not allowing for the refinance to happen. 

I called shellpoint to resolve the issue. The only action they were willing to take is to report to prospective lender that my account status is current. Unfortunately, this is not enough. Shellpoint need to update the 30days past due payment reported in XX/XX/2018 to all credit bureaus to indicate there were no late payments on my account. 

Thanks for your help in advance, XXXX XXXX XXXX
Product: Mortgage

* We purchased home XX/XX/ *Purchase price {$110000.00} *Original loan company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo  *During the XXXX XXXX XXXX was the servicer, I filed XXXX XXXX Bankruptcy. I was in Bankruptcy for 5 years * Bankruptcy was completed and discharged *Mortgage payments were paid through the bankruptcy plan for 5 years *After I completed the XXXX XXXX  plan, I refinanced the mortgage loan for a lower interest rate *The payoff balance that XXXX dba Wells Fargo gave XXXX XXXXXXXX XXXX for payoff was {$97000.00} which was the incorrect amount XXXXXXXX XXXX sold the loan to XXXX XXXX and XXXX sold the loan to XXXX XXXX * I now have an FHA loan and have lived in my home one for 18 years XXXX XXXX  shows my current loan balance as {$94000.00} *We have paid more than {$6000.00} in principle and interest in 18 years *Due to a major clerical error, we are paying this mortgage twice *I have tried to resolve this error with the mortgage company with no avail. 
*My bankruptcy record needs to be pulled to compare the total amount paid through bankruptcy to XXXX verses the ending balance when I completed bankruptcy and refinanced with XXXXXXXX XXXX. The mortgage balance was incorrect by thousands. 
*Clerical error occurred during my bankruptcy payments to XXXX and Wells Fargo
Product: Debt collection

I received a text message on XX/XX/2024 from the following number : ( XXXX ) XXXX. Claiming to be from a company called Wakefield & Associates. I believe the following message is a scam and they are trying to steal peoples personal and private information to steal funds and/or assets. The message stated the following : *insert photo image* Wakefield & Associates XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, TN XXXX This private message is from Wakefield & Associates LLC ( Wakefield ) , a debt collector. 

Please review the contents of this message and any attachment ( s ) in private so that other people may not view it. The attached message is encrypted. 

To open your encrypted message : 1. Double click on the secure PDF attachment 2. When prompted for a password, please enter your 5-digit zip code to open the encrypted message. 

This is a post-only communication from Wakefield. Please only respond to this communication with STOP if you do not wish to receive communications via text message from Wakefield in the future. If you have questions or concerns regarding the communication or if you experience trouble opening the attached document, please call ( XXXX ) XXXX. 

This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector. 

Sincerely, Wakefield & Associates , LLC. 

Then, I received an additional text stating XXXX A notice from Wakefield and Associates, a debt collector. Password is 5 digit zip code. Reply HELP or info or STOP to end. This concluded the whole text message I received. 

However, when I completed a reverse phone lookup the caller id stated XXXX, XXXX of XXXX, Wisconsin. This person is attempting to scam people out of money and their personal information. Please be sure that they cease and desist and their fraud operations are shut down. They are posing as a legitimate company. Thank you!
Product: Credit reporting

- I Got a copy of my Experian, XXXX and XXXX Credit Reports on XXXX/XXXX/16 - I Found an Unknown Fraudulent Collection Account with the Account Number XXXX being reported in all XXXX credit bureau. 

- I Sent Experian, XXXX and XXXX a Dispute Letter and request for validation on this unknown medical account on XXXX/XXXX/16 by USPS Priority Mail. 

- Experian received the Dispute Letter on XXXX/XXXX/16 as USPS Tracking # XXXX shows. 

- On XXXX/XXXX/16 both XXXX and XXXX deleted this Fraudulent Collection Account from my Credit Reports while Experian refused to properly investigate and delete and instead updated this account to a " PAID '' collection which has continued to damage my credit even more as their change to a paid collection being more recent lowered my scores, i am in the process of buying a house and this whole situation is preventing me from obtaining a mortgage. 

- Experian Fraudulent Verified this Unknown Collection account and Updated to a PAID COLLECTION on XXXX/XXXX/16, they claim to have verified the information in the record and identified the provider of the information as XXXX XXXX XXXX XXXX XXXX. 

- As of XXXX/XXXX/2016 I have never received any kind of contact from this XXXX XXXX XXXX XXXX XXXX - As of XXXX/XXXX/2016 Experian is still Fraudulently reporting this Collection in my Credit Report - I have attached proofs of this whole process - To Whom It May Concern Please be advised that I have request " Validation '' not Verification. They failed to provide me with verifiable information substantiating that this Unknown Fraudulent Collection Account Number XXXX is indeed accurate and did not do so within 30 days.This reporting is a clear violation of the Fair Credit Reporting Act. As a result, I have been gravely affected and my score is suffering. 

- Due to all of the above, I am requesting that this Unknown Fraudulent Collection Account XXXX be permanently removed from my Experian credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've have reached out to Equifax at 8 times to rectify an error reporting g in my credit report ... 
My last attempt was yesterday XX/XX/19 The credit bureau block me from disputing online and over the phone
Product: Money transfer, virtual currency, or money service

My mortgage payments have been scheduled to be sent using BillPay from XXXX XXXX XXXX to my mortgage company, Bank of Texas for a couple of years. The payments were sent and received electronically, but since XXXX 2016 was switched to be sent by check. Contact both banks saying their agreement to receive electronic payments was broken. Bank of Texas told me to open an account to XXXX XXXX, because their agreement is " still valid ''. 

I sent a letter to Bank of Texas Mortgage Complains division asking if it is possible to work out things with XXXX  XXXX XXXX. I am still waiting for an answer. In the way the customer service from XXXX XXXX XXXX has been, I do not trust to allow them to access my checking account to make the mortgage payment. 

Hopefully this helps.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I called transunion to remove a charge off from my credit report that was due to fraud. They told me they were incapable of doing that and I needed to submit an identity theft report. I told them I did already. 
48 hrs later the charge off was removed. 
But transunion also submitted the identity theft report to my credit card company that was not listed on the identity theft report fraudulently. The credit card company then proceeded to close my account due to the false report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom It may concern, I recently, reviewed a copy of my XXXX  credit report and { US BANK XXXX XXXX } ran an unauthorized credit inquiry on me on XX/XX/2019. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact Us Bank XXXX XXXX and investigate such occurrence.
Product: Credit reporting or other personal consumer reports

Upon careful review of my credit reports from XXXX, EQUIFAX, AND XXXX. I have noticed the presence of multiple illegally re-aged accounts being reported to my consumer reports. This information is in fact damaging my credit worthiness and prolonging the statute of limitations on the debt regarding the accounts. The companies that have illegally re-aged the date of last activity on my report after each account 's default includes the following companies and their dates : XXXX XXXX  Account Number : XXXX ( XXXX XX/XX/XXXX, XXXX XXXX, EQUIFAX XX/XX/XXXX XXXX, XXXX  XXXX Account Number : XXXX ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX EQUIFAX XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, EQUIFAX XX/XX/XXXX XXXX, and XXXX Account Number XXXX XXXX ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, EQUIFAX XX/XX/XXXX ). All of these companies are in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( a ) and FCRA section 605B for intentionally reporting fraudulent and false information. I want these accounts blocked and removed from all consumer reporting agencies regarding my credit reports.
Product: Debt collection

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I moved out of XXXX XXXX end of XX/XX/2022, and provided my brothers address as a forwarding address. The company did not have accurate balance for me to pay and assured me they would correct it so that I can make a payment. After a months it was still incorrect, as I frequently checked on the community portal. I was told that it's corrected that the balance would be subtracted from my security deposit and that the remaining balance would be sent to me via check. After some time I no longer had access to the portal to follow the balance and I shared this with the company. Soon after that I received a check at my brothers address and assumed the account was resolved considering that I received a security deposit refund. Months later without any bills, statement, or even communication from XXXX XXXX a derogatory reporting came up on my credit report. I contacted the office and was told that they would correct this. They never did and the reporting still remains on my account. I have a printout of our communication showing this unfair reporting was done unfairly. I was sent to collections and reported without ever being sent a bill or being given the opportunity to make a payment. After the reporting and learning what the true balance is I offered to pay it directly to XXXX XXXX as I felt that it was unfair to have to pay a collection agency for something I had no knowledge of but I was refused the opportunity to pay XXXX XXXX and I have been fighting this ever since. PLEASE HELP!
Product: Checking or savings account

I got an email and a text that a chime account was opened for me but I did not do this and I don't know what this is about.
Product: Checking or savings account

Hello so over a month ago I filed a dispute for a bunch of charges to my account for a online sweepstakes that I made the purchases for but they ended up ripping me off for all of my winnings and closing my account so therefore I filed the dispute for all these charges and I guess the agent didn't want to file them all that night so he only filed a small number of them I tried to communicate this to the company several times like a lot of times and turns out so when they finally found the dispute to be in my favor they refunded me that money but they were still that was only like XXXX of the disputes so finally I got an agent to file the rest of the disputes and then she immediately came back on and denied the claim even though the other agent had already approved the claim for the same exact reason so I submitted a bunch more proof absolute proof showing that this company did not pay me out what I won so therefore they defrauded me of my purchases and I needed my money back and I I emailed them at least XXXX times and I'm not getting any information so I don't know if this is even still being looked at or if it's still in denial but I've submitted more proof I needed it going back into being investigated and I needed it returned the agent that I'm having a problem with is XXXX I mean how can these ones be denied after for the exact same reason is all the other ones that are approved and they all should have been on the same ticket but their agents didn't do the job properly and then they have no communication so I absolutely need all of this money back the claim number is XXXX thank you very much please do not allow this company this company already stole {$5000.00} for me that I had one I don't think that it's fair that they also get to keep my money there not an honorable company I've answered all the questions she had questions about how come I've still been doing business with this company and making purchases and I explain to her because I recorded everything and I was trying to show that they don't pay on the cash out which I did a cash out and again they they closed my account so they didn't pay me again and it was just the money that I had deposited not even nothing that I had played XXXX XXXX know is no good and I need you to operate like you're my bank do not allow these people to have my money and steal from me thank you
Product: Credit reporting

I applied for a business loan with my wife who was the guarantor on it. She filed for bankruptcy in XXXX and discharged the loan. Now the loan is showing up on my credit and affecting my score, please take the loan out of my credit report. 
Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off. 
2. The name and contact information of the person or entity that provided the verification. 
3. Copies of any documents or records used in the reinvestigation process. 
The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian received a collections notice to my account and dropped my score significantly. Problem is that the new law states medical debt shall not be on the credit report and drop my dcore
Product: Debt collection

Credit Collection Services is Bombarding my phone with sms stating that I own the {$750.00}. 

I have never had any business with this company and I already requested signed contracts or agreements between me and them and they are refusing to provide me them
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian still has not resolved the previous disputes nor provided required results of investigation and has been in multiple violations of the FCRA as per attached. Experian has not paid violations invoice as attached.
Product: Credit card

In XX/XX/year>, I noticed some XXXX  charges on my XXXX XXXX. These were lare purchases totaling over XXXX dollars. 
( I also had over XXXX dollars from the same vendor on XXXX other cards, XXXX, XXXX and XXXX which both were easily disputed and resolved ) I disputed these charges, and the company keeps returning not found in my favor. I have consistently kept disputing these charges since XXXX with no resolve. I have provided all information requested from them including the information from my other credit cards that found in my favor. Please help me. I dont know what else to do
Product: Payday loan, title loan, personal loan, or advance loan

I took payment out for one time and have been repaying ever since. It feels never ending. I have to make a payment of {$100.00} biweekly and I have trying to make those payments but its hard. They amount that I know seems like its never going down no matter how much I pay. I didnt know the interest rate was so high and that it would take me this long to make a payment. I owe cash net usa XXXX as of right now, however Ive been making payments for almost a year or more now. The payment has not decreased at all. This has also started to effect my credit history. Its making it difficult for me to do things
Product: Credit reporting

I have not been able to obtain my report other than from XXXX XXXX due to Transunion said they could not verify me. They have XXXX reports from XXXX closed/derog ch XXXX that are incorrect ; XXXX ch XXXX double reported limit {$300.00} and {$250.00} ; XXXX {$1500.00} should be reported paid in full ; they have collection accounts that state that meet fcra requirements for disputes that should be removed yet remain on my report. XXXX {$1200.00} ; XXXX {$620.00}, XXXX $ XXXX {$250.00} ; I would like these removed a new report issued to those that have inquired against me as I have been denied credit with a new score and sent to me via email with the score and report as well as mail. My email is XXXXXXXXXXXX.