23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

VALIDATION AND CEASE AND DESIST Dear Sr : Re : Name : SPRING Oaks Address : XXXX XXXX XXXX XXXX, VA XXXX Account # : XXXX I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW 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 VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of the information Any other adverse items of information, other than the records of convictions of crimes which antedate the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Dear XXXX XXXX XXXX; cfpb ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Payday loan, title loan, or personal loan

I called to get an refinance loan. They said no canceling my application. I asked why. I borrowed XXXX and they said I have to pay XXXX in order to get a refinance. 
So I asked could my payment be waived until my next pay date again no. 

Even though more than half of the borrowed amount has been paid.
Product: Debt collection

My office has been contacted repeatedly by LMS Mediation. It appears that someone having a debt gave them my office number. Today, rather than letting them leave another voicemail, I answered the call. I politely informed the caller, who said his name was XXXX, that he had the wrong number and that I had never met or heard of the person he was trying to contact. XXXX insisted he had used my phone number to contact his debtor on at least XXXX occasions in as many weeks. Once again I politely told him he had bad information. He then told me I did n't need to be an " XXXX '' and ended the call with a hearty " XXXX ''. 

I called the number left on the previous voice mails and spoke to a receptionist who told me my number would not be called again. The name of the company is LMS Mediation, the number is XXXX, and it is supposedly based in Michigan and owned by an attorney named XXXX XXXX. 

Like many, I XXXX for a company that has a large part of its business in XXXX. We have a large staff responsible for collecting this money and they do it by treating our customers with the respect and professionalism they deserve. I can tell you that companies like LMS Mediation make collecting debts the proper way much more difficult and just helps to solidify the smarmy, shady reputation the receivables industry has today.
Product: Credit card

Cash app has allowed unauthorized transactions to be charged on my account I found a number to call was never able to speak to anyone virtual assistant didnt provide resolution to my request also leaking financial and personal information
Product: Credit reporting

I filed bankruptcy, chapter XXXX, and was discharged in XXXX of this year. A XXXX Credit Card is showing on my transunion report as closed with a {$970.00} balance and is not showing discharged as it should.
Product: Debt collection

freedom furniture in XXXX, va. contacted my command repeatedly even after i returned the merchandise and secured a letter from the store manager releasing me from any contractual obligations as i was ordered by my command., contacted my command numerous times. this continued action caused me to be XXXX from the XXXX. they have filed numerous times with different account numbers on my credit report for the same contract i was told by the store manager i had been released from. they have filed with the court of virginia after i left the state post discharge for wage garnishment. they have continued to call, mail, and as of late even emailed my trying to collect on a debt since XXXX 1997. the account has been listed as charged off only for them to refile it under a new account number as a new account.
Product: Debt collection

To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you.

also please remove these account from all three of the major reporting agancies ASAP IN WHICH THESE ACCOUNT ARE SHOWING ON MY CREDIT REPORTS please remove the two accounts froms my credit report!

Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor
Product: Credit reporting or other personal consumer reports

A debt collector who I already have an open CFPB case open against sent my account to the credit reporting agencies. I disputed the debt with transunion in this case as multiple laws were broken in reporting this debt and most importantly I dont owe it. Transunion did not do a proper investigation, I mean how can they, their dispute form gives you less characters then a tweet to submit your dispute statement. My entire dispute is, a scam company sent a fake debt to a debt collector, with a made up balance sheet. The amount in the balance sheet and the amount in the original contract are wildly different amounts. The debt collector is then illegally trying to charge interest on a debt that cant be charged interest. On top of that I asked the debt collector to verify the debt and they failed to properly do so. The original name and address of the creditor was never provided. And while still under dispute the debt collector sent it to the CRA. Transunion should have immediately removed this but refused to do so.
Product: Mortgage

I lost my job in XXXX 2017. I contacted Freedom Mortgage to request a forbearance in XX/XX/XXXX. In 15 years I have not had a late payment on any line of credit. I assumed this process would be fairly simple. 

I was sent a document file for " Loss-Mitigation ''. I contacted the company because I did n't believe it was the correct document. They assured me that I had to fill it out and return it. I continued to pay my mortgage through XX/XX/XXXX. In early XX/XX/XXXX I had still not received any word from Freedom Mortgage about the forbearance request. I submitted the " loss-mitigation '' packet as requested. They assured me that forbearance was a quick process and that they would get back to me in three days. I contacted them the following week ( the week of XX/XX/XXXX )  and they told me that they had not received several documents that were included in the packet. After some debate they were able to find them. I called later that week to check on status and they told me that I did n't need to submit the file for forbearance and that I would just file over the phone. I did, but four weeks later I have still not been granted the forbearance. 

I have had numerous calls with the company - every week, sometimes 2-3 times per week. I had credit near 780 when this started so was anxious to protect it. I called yesterday ( XX/XX/XXXX ) to see if an answer was reached and was assured that they would have an answer by today. When I called today ( XX/XX/XXXX ) I was told that the request was AGAIN filed incorrectly - my request for " modification '' was declined because I was missing paperwork. I stated again that I did not want a modification, only a forbearance. They again told me that this is a simple process and made me go through the request process again. I still have no answer. 

1. I have been assigned three different " Single Point ( s ) of Contact ''.

2. I have submitted expense detail, income detail, letters describing my termination of employment, bank statements, pay stubs and written requests for forbearance three times. 
3. I have been assured each time I call that the request was in process and near a decision, but it remains unanswered.

4. Every single request I have made for returned calls and/or emails have been ignored.

5. I am now receiving letters describing pending foreclosure action.

Quite simply, I believe I have been lied to by staff members at Freedom Mortgage.
Product: Payday loan, title loan, or personal loan

www.lendingclub.com " approved '' a {$9600.00} loan to me on XX/XX/XXXX. <P/>About a week later I was asked to " confirm '' my email address. <P/>After doing this I was asked for XXXX forms, XXXX forms, and a list of other documents which I provided. <P/>I was ultimately asked for my XX/XX/XXXX federal tax return including every schedule and document. I was asked about three weeks after being " approved '' for their loan. <P/>I am late in filing my XX/XX/XXXX federal tax return for resons relating to an ongoing discussion with the IRS related to my XX/XX/XXXX federal tax return, and therefore I had to obtain my tax software as well as file my XX/XX/XXXX tax returns in order to supply the documents requested. <P/>While I was finishing my XX/XX/XXXX federal tax returns and ensuring that therer were no issues with it, I was sent an email " declining '' me for the loan which I had been " approved '' for three weeks earlier. <P/>There is absolutely no legal reason to give an unequivocal approval communication via the www.lendingclub.com web site and then three weeks later to decline a customer. The emails from www.lendingclub.com may have had small print in some of them, but the approval notice on the web site was clear and unequivocal. <P/>There is absolutely no justification for lying to customers in huge quantities and then renigging on promises which the corporation has made to those customers later on.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Equifax i have disputed sever items and everytime i try to sumitt it states error on several ones im trying to dispute. Then on one account they show its in negative but yet they have it listed again in great standing with payment history and acc current??? It cant be negative and positive but the account is paid in full and has been since 2020.

Then on another account its over 7 years old and shows paid in full but yet listed in negative. They just keep sending back account as when its not on everything ive disputed
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquiries on my credit report that I never permitted, in violation of 15 USC 16c-2. I request their immediate removal.
Product: Mortgage

I have had my Wells Fargo XXXX payments automatically deducted from my credit union account for years. When COVID hit, Wells Fargo stopped automated deductions from the account for many, many months. Given this, I assumed something was wrong with the automated debit agreement, but did not have time to address it. Since I am a responsible credit consumer, I continued to make payments on my HELOC on time on my own through Wells Fargo 's website. During this time, I stopped funding the credit union account to cover my automated debits. In XX/XX/XXXX, Wells Fargo resumed making automated debits from the same credit union account without notice or warning. Since the account was not funded, it overdrew my credit union account. I assumed responsibility for this since I had an automated debit in place. However, since my payment behaviors had changed, I did not want Wells Fargo to continue automated debits from this account. I continued to make on-time payments on my own through their website. I took further action to prevent future debits from that account by removing that same credit union account from my Wells Fargo profile where I listed checking bank accounts I use to submit payments to Wells Fargo. In doing so, I assumed that I was removing permission from Wells Fargo to ever access that account again, thereby protecting myself from future credit union account overdraws. However, in XX/XX/XXXX, Wells Fargo used that same account to make an automated payment. On XX/XX/XXXX, I spoke with Wells Fargo, explaining all the above and requested them to never again use my credit union account. I further requested a refund of {$58.00} to cover XXXX NSF fees issued by my credit union for the XXXX attempts Wells Fargo made to withdraw funds on XX/XX/XXXX and XX/XX/XXXX. When they declined, I asked to speak to a supervisor. I was put in touch with XXXX XXXX, who promised a resolution within 3-5 business days. When I had not heard from her, I placed another call to Wells Fargo on XX/XX/XXXX with a promise on an answer to refund those fees within the next 1-2 business days. I have not heard anything more to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax EquifaxXXXX XXXX XXXX XXXX XXXX has yet to provide proof to the account being removed from my credit report as stated. 

Equifax caused issues with my credit card being XXXXXXXX XXXX XXXX XXXX in which Equifax cause harm to my card being cancel. 

Equifax did not have my permission nor consent nor did I ask them to contact XXXXXXXX XXXX XXXX  XXXX XXXX. 

Equifax is not above legal agreements between me and my credit card Holder. 

Equifax can not show me any proof legally or contract or digital signature of me giving consent to my issue that was filed. 

My issue was that my credit cards was all paid off nothing else was ask or file but to update correct balances. 

Equifax also has created address as phone numbers not my numbers on the credit file as an issue. 

Equifax needs to stick with the complaint filed and the issues and stop making up lies not pertains to the issues of updated credit file of all credit cards paid off. 

My complaint is with Equifax lagging to update balances correct and get into issues not requested. 

I have contacted an attorney to the matter that deals with credit bureaus on matters of illegally overstepping their legal boundaries to the said matter. 


Making false statements to my credit card holder of fraud in which I did not have no fraud nor suspicious charges was told to me by XXXXXXXX XXXX XXXX XXXXXXXX. 

card was cancel due to Equifax making false statements not by me There is clear fraud by Equifax in which has been reported to US attorney and DOJ
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a second certified dispute to XXXX, XXXX, and TransUnion on XXXX/XXXX/203 regarding an unverified account on my credit report. XXXX XXXX XXXX is on my credit report the credit reporting agencies claimed was verified. I did a direct dispute with the creditor as advised by XXXX only for the mail to be returned. This also is a medical debt that is below {$500.00} and under the XXXX XXXX XXXX, it should not be reported.
Product: Bank account or service

I am XXXX years old, in poor health, living with my daughter in XXXX, and unable to travel except with extreme difficulty. I 'm writing because I am a long-time customer of the XXXX ( I used to live in XXXX ), a part of New York Community Bank. On XXXX XXXX, 2016 a CD of mine in the amount of {$15000.00} matured and did not renew. I want to transfer the {$15000.00} to my XXXX XXXX checking account via on-line banking, as I expect to need that money for medical treatment purposes. I have been told by the bank that I can not do so on-line but, rather, must travel to my old branch in XXXX XXXX, XXXX in order for them to allow me to move the money to my checking account. Until I do so, the {$15000.00} effectively is frozen, and I can not access it. I believe this travel requirement imposed by my bank to be an unfair and illogical requirement ( the bank can easily verify my identity over the phone ), and an extreme hardship for me. It will take me all day to get to the branch and back home, and the long car will be difficult and in fact painful for me. I ask that you assist me in this regard by requiring the bank to allow me to transfer my own money to my checking account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX Subject : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
In accordance with the Fair Credit Reporting Act, I insist that these items undergo investigation and be eliminated from my report. It is my understanding that you will verify these items with the relevant creditor. Any information that the creditor can not confirm should be promptly removed. As per 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days of receiving this correspondence. 
Kindly send an updated copy of my credit report to the address mentioned above. As per the act, I should not incur any charges for this updated report. Furthermore, I request that you notify anyone who has received my credit report in the past six months about the corrections made. 
Thank you for your attention and cooperation in resolving this matter. 
Yours sincerely, _____________________________________ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit report agencies have put me on early warning services and with speaking to all three number of times refuse to tell me why my information was leaked with someone else. 

Also UPGRADE BANK APPROVED ME FOR A LOAN AND WITHOUT AUTHORIZATION OPENED A CHECKING AND IN MY NAME AFTER I SUBMITTED DOCUMENTS FOR A LOAN NOT A CHECKING ACCOUNT!! 

I WANT THE CFPB TO GET UPGRADE TO CLOSE THE ACCOUNT THEY WILL LOCATE WITH INFORMATION PROVIDE