23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Southwest Credit has reported an account in collection to all 3 credit bureau. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I  do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Product: Debt collection

Dear XXXX Representative, I am writing to formally dispute an alleged debt listed on my credit report under your companys name for the amount of {$180.00}, dated XX/XX/year>2024. Upon contacting XXXX directly, your representatives informed me that the balance was {$130.00}. Despite this discrepancy, I have no knowledge of this debt and have never received any formal communication, notice, or validation regarding its existence. 
The loan ID given to by an agent is XXXX. 


I have repeatedly brought this matter to your attention and requested additional details and documentation to substantiate the debt. Unfortunately, your company has failed to take any meaningful action to address my concerns or provide adequate proof of this claim. In the meantime, I have been subjected to persistent calls and emails from your company, which are being filtered into my junk mail folder due to their unsolicited nature. This ongoing harassment has only compounded my frustration. 

This matter has caused undue stress, damaged my credit standing, and raised serious questions about the validity of this debt. Therefore, I am requesting immediate corrective action on your part. Specifically, I request the following : XXXX. Cease all collection activities related to this alleged debt until it is properly validated. 
XXXX. Provide written documentation validating this debt, including the original creditor details, transaction history, and any agreements or contracts bearing my signature. 
XXXX. Immediately remove this debt from my credit report if you are unable to provide proper validation. 
XXXX. Notify all relevant credit reporting agencies of the removal to ensure that my credit report is corrected promptly. 

This letter serves as a formal dispute under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Under these laws, you are required to suspend collection activities until this matter is fully resolved and to provide proper documentation to substantiate the debt. 
I expect to receive a written response addressing this matter within 30 days of your receipt of this letter. If you fail to provide adequate validation or take corrective action, I will have no choice but to escalate this matter. I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory bodies. Additionally, I reserve the right to pursue legal action if necessary to protect my rights and address any further damage to my credit or reputation. 

Thank you for your prompt attention to this matter. I hope to resolve this issue quickly and amicably.
Product: Debt collection

XXXX/XXXX/XXXX I had an XXXX with XXXX XXXX XXXX. I had met my deductible and I had preaproval. XXXX did n't bill my insurance properly. I contacted my insurance they advised me how to call XXXX and ask them to rebill. I did repeatedly. They refused at first. My doctors office called and asked XXXX to rebill. XXXX sent me to collections. Finally XXXX wrote off the amount from my account but they did not take it out of collections like they told my insurance, myself and the doctors office they did. I have asked the collection company to audit the account. I just did again. They are collecting interest and are still asking me to pay a bill that XXXX no longer is requiring me too pay.
Product: Credit card or prepaid card

Someone trying to open credit cards in my name. Not me!
Product: Debt collection

The company provided a statement saying they don't own the debt but they are acting as the third part collector. Under privity of contract between me and the alleged original creditor, can you show me where you all were NAMED SPECIFICALLY inside the terms and condition of the original contract that you sent. You can not enforce a clause that you are not named upon. Please provide this information because I do not see it on the original documentation you sent over.
Product: Debt collection

Hello CFPB, I am writing to you in response to the closing my case against XXXX XXXX XXXX dated XX/XX/XXXX. This case is regarding to XXXX being closed. This case is NOT over and should not be closed. This case should not be closed because I do not owe XXXX, XXXX {$650.00} or any money. In fact, XXXX XXXX XXXX XXXX owes me {$15.00}. XXXX, XXXX keeps harassing me, has locked my access to my XXXX account, and continues to state that I owe them {$650.00} and I do not. 

On XX/XX/XXXX, a XXXX, XXXX representativeXXXX  ( XXXX ), emailed me and insinuated that the {$650.00} deposit may have been sent on the back end to American Express the Corporation, and not directly to me or my account ; and that is why the {$650.00} XXXX XXXX XXXX XXXX states they gave me does not show on my American Express account. Please see the attached email from XXXX, where he stated I would encourage you to speak with American Express, as they received both credits/refunds. Because of this I wrote back to XXXX, XXXX that same day informing them, that since I was not given a {$650.00} credit from XXXX XXXX XXXX XXXX, and that American Express the Corporation most likely received the {$650.00} deposit on the back end that XXXX, XXXX, should go after American Express the Corporation, and stop harassing me. 

Continuing with this case, on XX/XX/XXXX XXXX XXXX from XXXX XXXX XXXX messaged me through the Better Business Bureau, and gave me a tracing number which he said American Express can use to trace the {$650.00} deposit XXXX XXXX XXXX XXXX supposedly sent to me. XXXX stated You can provide this trace number XXXX to your card issuer and they should be able to find the refund. Please see the XXXX XXXX XXXX response from XXXX XXXX attached. With this information, I called American Express on XX/XX/XXXX and tried to provide them with the tracing number XXXX XXXX gave me. However, an American Express representative, XXXXinformed me that XXXX XXXX XXXX must call the AMEX Merchant Services Line, at XXXX XXXX XXXX to XXXX, and give AMEX the tracing number, and that I can not call or talk the AMEX merchant services line on XXXX, XXXX behalf XXXX My hands are tied at this point. There is nothing I can do. The XXXX even closed this case. It is unresolved. XXXX XXXX XXXX is accusing American Express Inc. of having the {$650.00}, and that AMEX owes them {$650.00}, but me as an AMEX customer am being penalized for it. Please assist me with resolving this issue with XXXX XXXX XXXX XXXX XXXX XXXX keeps harassing me, stating that I owe them {$650.00} when I never received monies or credit. Please help. 

Please Do Not Close This Case. 

Respectfully, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine and an account that was never late. I sent a dispute letter in regards to EXPERIAN, XXXX, and XXXX  on XXXX and XXXX asking that they be removed. Please note response should have been provided by XX/XX/2021. I have not received report and EXPERIANXXXX XXXX  and XXXX  are over the time frame required to submit a report to me. Please investigate and send me an updated report.
Product: Credit card

Please ensure that the unauthorized accounts on my credit report are blocked and removed promptly. I did not open or authorize these accounts and do not recognize them. As stated in USC 1681g, I am officially requesting their removal within 15 days. Relevant documents are provided for your review.
Product: Credit reporting or other personal consumer reports

I had a credit card from XXXX XXXX XXXX show up on my XXXX report. I tried to dispute it with XXXX but they said it doesn't show on their end due to me being an Authorized user of the card and not the main account holder and I would need to contact XXXX XXXX XXXX. They have no way for non-customers to contact them. You have to have a credit card number so I can't even attempt to dispute it with them. This card has multiple late payments and it's preventing me from getting a mortgage loan approved.
Product: Checking or savings account

We mailed a check in the amount of {$1000.00} to a vendor on     XX/XX/XXXX .   This check was stolen, endorsed & cashed by an individual at a  XXXX  branch. We then completed an " Affidavit of Unauthorized Endorsement or Altered Item '' form submitted by Chase bank on     XX/XX/XXXX . Sub sequently, we 've pursued our inquiry about the status of this claim monthly - but each time we were told that the matter is under investigation by  XXXX  and that  Chase  is still awaiting a response. Yet, today- a fter four m onths of waiting- we received a letter informing us that this matter was closed because we failed to supply them with " previously requested additional information. '' This  is incorrect- the 2 page  form emailed to us was completed, notarized and mailed as instructed. When we called  Chase to question this letter - they were unable to tell us exactly what was missing. Instead we were advised to resubmit the forms again. Which means they 'll commence this process over again. HELP!! Clearly, a check that was endorsed by an individual when it clearly was issued to a Company should never have been cashed. At this point, we believe we are being stonewalled in an attempt to thwart the return of our money or to discourage us from pursuing this further. Chase has refused to credit the money back to our account until the " investigation '' is completed. Chase states that the entire process can take up to 120 business day. But if we have to resubmit it will take an additional 120 days.
Product: Debt collection

Date of incident : XX/XX/2019 Abusive language. 
Unfair interest added to original debt. 
Unwilling to accept a payment plan.
Product: Mortgage

I'm being approved for the Homeowner Assistance funds for XXXX XXXX mortgage payments. This is a federally funded and regulated program - overseen by the U.S. Treasury. Mortgage companies and are required to comply with guidelines set forth by the Federal Government in terms of reporting and communication. HAF are sending the bulk checks and they aren't applying on time to my account. As of today, my XXXX and XXXX payments are past due because they aren't applying the payment on time. Last month on XXXX XXXX they applied the XXXX payment that was send on XX/XX/2022 more than 30 days later. It's a nightmare every month dealing with late fees that are unfair since the payment arrive on time. On XX/XX/2022 HAF send the XXXX payment and as of today nothing is applied in my account. This is so frustrating because they cashed the checks but not apply the payment to the mortgage loan. Charged late fees and reported to the Credit reporting agencies when in reality the checks get on time to the company. Why if they are sending the payments on time, it is taking more than a month to be applied in my account???
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer has attempted to reconcile directly and through XXXX and experian to delete these accounts from the consumer report Pursuant to 15 USC 1681 there is a grave responsibility to my privacy there is no written consent given to Dept of education, XXXX, or XXXX  to report any of this information there is no consent given to Exoperian XXXX  or XXXX  to furnish this information
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to refinance and got rejected. 
Checking my Equifax, my score is XXXX compared to my XXXX  of XXXX. 

Calling them, making it more difficult to resolve the problem. I need to fax a copy of my social security, ID, and letter. 

Please help! 
XXXX XXXX XXXX
Product: Debt collection

Called me at my office three times, after I specifically said I CAN NOT receive personal calls at work, on the third call actually acknowledged that she knew she could n't call me at work but she had no other option. Has not stated where she is calling from, just says it is regarding a medical bill. Does not state what company she is with or where the medical bill is from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX : XXXX XXXX  XXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXXXXXX Balance : {$0.00} Equifax : XXXX XXXX XXXXXXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not access my equifax credit report! It states theres a block for promotional purpose! 

I can not access my XXXX report, its stating theres am open dispute. 

XXXX has a bunch of inaccurate information on my report!
Product: Credit card

Several years ago my wife a XXXX lost her job, which caused severe financial difficulties for the family. With her job loss, I had to take over all financial responsibilities as a XXXX XXXX. With her job loss I was unable to continue payments with Bank Of America, XXXX XXXX, and XXXX, and still make the mortgage payment on our house. At the time of her job loss we had excellent credit history. I contacted all the credit cards asking them to work with us until my wife found a new job, and that I would continue to make payments, although they were below the minimum amount. None of these creditors were willing to work with us, and at that time I had to make the decision whether to keep our home or pay the credit card companies. Since that time all have taken us to court, bullied us, and even went so far to contact my employer to have my wages deducted form my pay. At this time they have destroyed our credit history, and at this time no one is willing to work with us for loans. I explained to each creditor what happened, and was willing to work with them until my wife became employed again. Not XXXX was willing to take the time to even talk with me. As of now all credit card companies hired attorneys, and we have paid thousands of dollars to them. Recently, as the balances became close to settlement they stopped taking money each month saying that their law firm was done, but another would be contacting us, this is with XXXX XXXX and XXXX XXXX. The Bank of America has continued, using tactics that I believe is hostile. Much of the amount was paid prior to this, but their interest and payments still baffle me. I am asking for intervention, as I believe their advertising to their customers was deceptive, they would not work with their customers in financial trouble, and made no attempt to contact us prior to starting legal action with a law firm. I am asking that they help us rebuild our credit rating and history as they have destroyed it not willing to work with me when I spoke to them regarding our financial difficulties when my wife lost her job. The attorneys now representing Bank of America are : XXXX XXXX XXXX. 
XXXX XXXX XXXX, Utah XXXX XXXX
Product: Mortgage

contacted Quicken loans on XX/XX/2019, and asked them to run an escrow analysis ( our escrow account was short {$3700.00} on XX/XX/2019 due to an inflated property tax assessment, which we have hired a lawyer to help reduce the taxes, as a result our mortgage increased by {$600.00} ) Quicken loans paid the {$3700.00} to our borough and allowed us to pay it over 12 months. Their Escrow team advised us that each time we have paid at least {$1000.00} of the overage to call them and request an escrow to be run. So when I spoke to them on XX/XX/2019, they told me that my payment would decrease down to about XXXX as a result of them re-running analysis, and it would be effective XX/XX/2019. This was great news, since my husband had just lost his job, but luckily started a new position this week, we were looking forward to the payment reduction. I was advised I would receive an email notification within the next couple of days, and a letter in the mail. We have gone through this process with Quicken loans before and have always received the notifications. About a week later I called them back since, I didn't receive any notifications and I was advised it is still being processed. I call back again in week 's time since I still didn't receive a notification, and demanded to know why the analysis wasn't processed. The representative was not eager to help, so I asked to speak with a Supervisor. I was then advised she 'would email ' the department who runs the analysis to see why it hadn't been run. I expressed my dissatisfaction, and was very worried about the lack of service they provided at this point. This call took place on or about XX/XX/2019. I received an email on XX/XX/2019 advising that since my account was under a payment modification, this is why analysis wasn't run. I demanded to know why quicken loans enrolled me in payment modification when I called them in mid XXXX to advise them that we wanted to decline this option. We never sent them any signed documents, and was extremely upset that they enrolled us in modification I told them we didn't want. I received a call from XXXX from their 'Executive Office '' who said she was sorry that no one knew what was going on, and she has no idea why the modification was added to my account, but advised the modification would still take place on XX/XX/2019 although she went back and reviewed all the calls and confirmed all the agents has misinformed us, and Quicken loans dropped the ball several times. I asked her if she could credit the difference between the payments for one month, since their errors caused the new payment to start in XXXX instead of XXXX and she advised there was nothing she could do to help. It is extremely unfair that Quicken loans can give blatantly false information and do whatever they'd like and not be held accountable, or take any steps to resolve the hardships they create for their clients. we will be refinancing once our situation improves with another lender and will take to every social media website and blog to share our experiences.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name 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 Unauthorized inquiries XXXX XXXX