23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Request for Debt Validation and Cease and Desist Notice under FDCPA and CFPB Guidelines Dear XXXXXXXX XXXX XXXX, This letter serves as a formal request for validation of the alleged debt referenced in your communication and a demand for compliance with my rights as established under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Consumer Financial Protection Bureau ( CFPB ) guidelines. 
Request for Full Debt Validation : Pursuant to federal law, I request that you provide complete and accurate documentation regarding the alleged debt, including but not limited to : 1. Assignment and Bill of Sale : o A copy of the original assignment contract or bill of sale proving that your agency has the legal authority to collect this debt.

2. Permissible Purpose : o Proof of permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, showing why and how you accessed or reported information on my credit report.

3. Validation of Debt : o The name and address of the original creditor. 
o A complete and itemized accounting of the alleged debt, including the original amount, any payments made, fees added, and how the balance was calculated.

o Copies of all documents bearing my signature that establish a contractual obligation for this debt.

4. Proof of Collectors Legal Authority : o Documentation demonstrates that your agency is licensed to collect debts in my state.

Cease and Desist Notice : Effective immediately
, I hereby demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes, but is not limited to, phone calls, emails, letters, or any other form of contact.

Furthermore, I demand that no negative information related to this disputed debt be reported to any credit reporting agency. If such information has already been reported, I request that it be removed immediately until this matter is resolved.

Failure to comply with these demands and legal obligations may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of the Attorney General. 
Please send all requested documentation to my address listed above. If you are unable to provide sufficient validation, I request that you immediately cease collection activities and remove any related negative information from my credit reports. 
Thank you for your attention to this matter. I look forward to your prompt and complete response.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have had my credit reports from XXXX XXXX transunion all have pulled my personal credit report from mulitple sources over XXXX times since XX/XX/2021, I have not authorized these credit pulls
Product: Mortgage

Why do you refuse to get your hackers out of here and stop them from remoting into my phone?!!! They are purposely bricking my battery on my phone so that it can't charge even when plugged in! They are purposely slowing down my internet to s standstill when I'm trying to use these apps to go out and earn money! I have XXXX! This is discrimination! There's no reason for them to be remoting into my phone and purposely tying me up like this. I shoulnt have to go find a public computer to report from just be able to go online and do things like look for a job. This phone I am using only shoes them with a red light on when they are remotes in. I barely got my phone on and I'm still having to deal with your hackers you have remoting into my phone and laptop preventing me from doing anything. Get your hackers out of my electronics! Get them out of my phone! Get them out of my laptop! They don't belong her! Leave me the XXXX alone!!!
Product: Mortgage

1 ) This complaint is regards to the Complainant 's property in the address of XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX wherein Bank of America has made the Complainant sign an Adjustable Rate Rider to his original first-lien residential mortgage but did not actually provide the Complainant with the rest of the body of the document. 2 ) This deceptive practice happened in XX/XX/XXXX and the mortgage was serviced by Bank of America until XX/XX/XXXX. 3 ) Complainant has filed at least 2 loan modifications for this subprime ( 12-month MTA ), negative amortization, pay-option mortgage to Bank of America as were mediated from Complainant 's separate complaints submitted around that time through the Massachusetts Attorney General 's Consumer Protection online complaint system but no HAMP modification was awarded. 4 ) Several public documents in XXXX County Land Court Registry of Deeds had since then appeared that attests to the fact that Complainant 's mortgage is fully-paid off because the mortgage was made to be part of XXXX XXXX, XXXX XXXX XXXX XXXX. 5 ) Bank of America. upon acquiring Countrywide Home Loans in XX/XX/XXXX, can not deny that it is the Master Trustee and Depositor of said XXXX from full-acquisition of XXXX, XXXX and it also now serves as the Master Servicer for mortgages within that XXXX. 6 ) It appears from records available in mortgage statements and litigation records that the Complainant 's Mortgage of $ XXXX has been fully-paid off through participation in the XXXX by the time that Bank of America made the Complainant sign just the Adjustable Rate Rider portion of a mortgage instrument it offers. 7 ) Bank of America did not disclose the actual mortgage since XXXX and the Complainant is now showing cause in several other separate legal complaints, including the one attached herewith for the entire Condominium building at XXXX XXXX XXXX, XXXX, MA XXXX. ( See MA Division of Bank Complaint to Bank of America -- the Complaint form and its Exhibit 2, and not both Exhibits are provided here due to Credit Bureau records that appear in Exhibit 1. Bank of America will be recipient of the MA Division of Banks Complaint anyway ) 8 ) Bank of America has committed deceptive loan practices, and deceptive foreclosure practice against the defendant and should now fully-admit that it made the Complainant sign a Mortgage of Security Interest and Rent similar to the one attached here, because this is the only possible way that Bank of America can keep the Complainant 's mortgage within the XXXX XXXX XXXX wherein the participation cut-off date wasXX/XX/XXXX and it offered the Complainant an Adjustable Rate Rider to sign in XX/XX/XXXX and just kept referring to it as a " Certain Mortgage Instrument '' in Land Court records.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ( account # XXXX ) Late payment error ( XX/XX/year> ) I was never late on this paid account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. It you can not supply this please delete these alleged late payment from my credit report per us 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting this formal complaint against TransUnion, XXXX, and XXXX to request the removal and blocking of fraudulent information on my credit reports due to identity theft. I have recently discovered unauthorized accounts and debts on my credit report that were opened in my name without my knowledge or consent. These fraudulent accounts are a result of identity theft, and I have already taken steps to resolve this issue. 
Details of the Fraudulent Information : Are attached in dispute letter I have taken the following actions regarding this fraudulent activity : XXXX. Submitted a complaint to the Federal Trade Commission ( FTC ) and completed an Identity Theft Affidavit ( FTC Affidavit Number : XXXX, XXXX, and XXXX XXXX. Contacted each credit reporting agency ( TransUnion, XXXX, and XXXX ) to notify them of the identity theft and provided the necessary documentation. 
Despite my efforts, the fraudulent information remains on my credit reports, negatively impacting my credit standing and subjecting me to potential liability for debts that I did not incur.
Product: Debt collection

Divorced in XX/XX/2016 and husband was given the travel trailer by the judge of XXXX County, TX. Judge did not make him sell or refinance the trailer. My lawyer had the judge add wording to protect me and my property from debt collection if the debt went to default. 

At the request of Commerce Bank I have located my ex-husbands address, work, and phone numbers and given it to Commerce bank. I found out he sold the trailer to his cousins and told Commerce Bank the name of the couple and area where they lived. Commerce Bank did not go get the trailer. 

Commerce Bank is still posting information on my credit report of past due/ collection/write-off debt and I am afraid the will put a lien on my property or garnish my wages to pay for this.
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. 

XXXX XXXX department of child support services XXXX has violated my rights. 15 u.s.c 1681 section 602 A states i have the right to privacy.

15 u.s.c 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681c. ( a ) ( 5 ) section state no consumer reporting agency may make any consumer report containing any of the following items of infomation any other adverse item of information other than records of conviction of crimes which antedates 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

I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. XXXX ( XXXX ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. XXXX provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the state. 
Send this information to my address listed above and accept this letter sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX : XXXX a natural person, ( hereinafter referred to as consumer ) is sending notice to Experian, its United States affiliates ( collectively, Experian, we, us, our ). I the consumer is opting out of any privacy policy and/or terms of use consumer may have directly or indirectly agreed to using Experian services or websites. Experian has 15 days to permanently delete and remove the following personal data from my consumer report and credit file. Experian is not authorized to collect, use, sell, use and share the following personal data : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX Experian must provide free copies of my consumer report, consumer disclosure and credit file reflecting updates in accordance with consumers instructions. Any authorized use of consumers personal data will not be tolerated. By sending Experian this notice consumer does not waive any rights to take action against Experian for any past or future violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Could you please check thee listed accounts below for accuracy and right reporting. I believe the acppunts below are inaccurate and its causing my credit score to be low and its taking an toll on my life. If/once you discover the mistake could you remove the accounts please. By law all inaccurate accounts has to be removed 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, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX
Product: Credit card or prepaid card

Issue with American Express Consumer card : As per the CARD ACT of XXXX, Credit card companies were given guidance on how to distribute consumer payments across different APR balance. The CARD Act has prohibited this disadvantageous payment allocation system and requires credit card companies to apply consumers credit card payments to the highest APR first. 

on XX/XX/XXXX, I took a cash advance with fees totaling {$1000.00} at 25.24 % interest. once the payment posted, I called to get the amount required to pay off and was told minimum payment ( {$200.00} ) plus cash amount balance ( {$100.00} ) and to also account for compounding interest until the payment posted. I made a payment of {$1300.00}. 

XXXX statement- charged {$22.00} in interest because of paid cash advance. I called and was told that it would be fixed. It was not XXXX statement- charged {$19.00} in interest because of paid cash advance. 

I called American express on XX/XX/XXXX and was told- verbally- by the representative amounts over the minimum due are applied to lowest APR purchase first. My APR is currently 0 % .Iexplained to her that was not accurate and she preceded to tell me about the payment hierarchy that Amex follows. Why does this excuse the act to protect consumers from making good on payments and not be consumed with interest and debt from large corporations. If this is not investigated, I will contact the FTC to launch an investigation into the fraudulent behaviors of one of the largest consumer credit cards taking advantage of other citizens who may not be aware of their consumer rights.
Product: Credit reporting or other personal consumer reports

On multiple occasions, I discovered several fraudulent accounts and transactions on my credit report, which I believe were the result of identity theft. The fraudulent accounts were reported by various companies between XXXX and XXXX, including credit cards, auto loans, and charge accounts. These accounts were opened without my consent or knowledge, and I had no prior dealings with the companies involved. 

The accounts listed XXXX ( XXXX XXXX  ) Reported on XX/XX/XXXX, with a balance of {$290.00} and a credit limit of {$300.00}. 

XXXX ( XXXX XXXX XXXX XXXX ) Reported on XX/XX/XXXX, with a balance of {$470.00} and a credit limit of {$8000.00}. 

XXXX XXXX ( XXXX XXXX  ) Reported on XX/XX/XXXX, with a balance of {$360.00} and a credit limit of {$200.00}. 

XXXX ( XXXX XXXX ) Reported on XX/XX/XXXX, with a balance of {$240.00} and a credit limit of {$2500.00}. 

XXXX XXXX ( XXXX XXXX XXXX ) Reported on XX/XX/XXXX, with a {$0.00} balance and a credit limit of {$780.00}. 

XXXX XXXX, XXXX ( XXXX XXXX XXXX ) Reported on XX/XX/XXXX, with a {$0.00} balance and a credit limit of {$24.00}. 

XXXX XXXX  XXXX ( XXXX XXXX XXXX ) Reported on XX/XX/XXXX, with a {$0.00} balance and a credit limit of {$0.00}. 

XXXX XXXX ( XXXX XXXX ) Reported on XX/XX/XXXX, with a balance of {$15000.00} and the status of repossession. 

XXXX ( XXXX XXXX ) Reported on XX/XX/XXXX, with a balance of {$7400.00} and the status of repossession. 

To dispute these fraudulent accounts, I sent verified mail to all XXXX  credit bureaus TransUnion, XXXX and XXXX on XX/XX/XXXX, and again on XX/XX/XXXX, to verify my identity and report the fraud. It has now been more than XXXX days since I initiated the disputes, and I have still not received any updated information regarding these fraudulent accounts from the credit bureaus. I have not received a response or updated credit report reflecting the removal of these accounts. 

I am requesting that the fraudulent accounts be removed from my credit report as required under the Fair Credit Reporting Act ( FCRA ), and that all collection activities related to these accounts cease immediately. I also request an updated copy of my credit report to reflect the removal of the fraudulent items and to ensure that my credit information is accurate. 

By publishing this description, I hope to inform others of the challenges faced when dealing with identity theft and how important it is to take swift action in reporting and resolving fraudulent activity.
Product: Debt collection

Reciving calls from XXXX, a company stating they are collecting a debt on behalf of MBNA. A credit card I paid and closed 15 years ago. MBNA is no longer in business and is not reported on my credit report.
Product: Checking or savings account

I used my business checking account debit card one time and it was one purchase on XX/XX/2023 at XXXX XXXX. Any transaction that was authorized past that was not authorized by me & Wells Fargo did a poor job notifying me about any type of transactions that were not done by myself ( Unauthorized ). The following charges were not authorized by me including a {$1100.00} charge at XXXX XXXX XXXX XXXX XXXX, a {$730.00} Charge at XXXXXXXX XXXX and a {$63.00} Charge at XXXX XXXXXXXX XXXX. Additionally, a {$1900.00} XXXX at XXXX XXXX XXXX was attempted on my account. That is when Wells Fargos fraud department finally decided to notify me after almost {$2000.00} was already drained from my account from fraudulent purchases. I contacted Wells Fargos fraud department immediately and explained the situation. They gave me a claim number and told me to wait up to 10 business days. Bad service overall after stating to the Wells Fargo employee that I did not authorize any of those transactions.
Product: Credit reporting or other personal consumer reports

I formally request an investigation into these unauthorized inquiries and ask that you provide documentation regarding their origin. Please include all pertinent details, such as the name of the entity responsible for the inquiry and any records or consent forms that demonstrate my authorization for these actions.

Since these unrecognized inquiries may harm my credit score and financial stability, I urge you to address this matter without delay. Your prompt attention to this issue would be greatly appreciated. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

this collections agency valeted the HIPPA law act I demand that the following accounts be removed immediately Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office
Product: Debt collection

CMRE finance : Opened XX/XX/2021 In the amount of {$2300.00} Disputed on XX/XX/XXXX & XXXX, XXXXCMRE financial services located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California, XXXX. XXXX and XXXX states the account is assigned to An Attorney and about to be sued. 

US 15 code 1692
Product: Debt collection

On XX/XX/2014, this debt for {$1600.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Product: Mortgage

Name : XXXX XXXX AKA XXXX XXXXPrimary Business Account # : XXXX Number : XXXX, XXXX ( XXXX ) XXXX have been originating a home loan through Chase, and the home is being built by the company/contractor, XXXX XXXX. Chase has previously completed an appraisal on the property, and the company XXXX XXXX has completed an inspection, however many errors and problems with the home have recently been discovered. 

Cracks in the foundation/cement in the basement Crooked windows Leaking in the basement Sewage backing up/leaking dripping into the basementThese are just the visible things that have been missed, and I have no idea what other structural issues are going on with this property. I now have deeper concerns about the electrical, the plumbing, and the structural integrity of the property. 

You have my permission to contact any parties in this matter to help with a resolution. 

The best way to reach me is via Cell Phone XXXX, and through Email. 


Thank you for your help in this matter, XXXX XXXX________________________________________________________________________Cell Phone XXXX # : ( XXXX ) XXXX Phone XXXX # : ( XXXX ) XXXX Phone # : ( XXXX ) XXXX # : ( XXXX ) XXXX : XXXXXXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX. XXXX, OH XXXX Home Address : XXXX XXXX XXXX XXXX, OH XXXX House Address ( To be closed on ) : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX : XXXX XXXX | Mortgage Banker | XXXX ID : XXXX Mortgage Banking | Chase | XXXX XXXX XXXX XXXX , OH XXXX | Office : ( XXXX ) XXXX | Cell : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | XXXXXXXXXXXX |
Product: Debt collection

Bank Of America {$2200.00} According to the law 15 usc 1692c ( c ) it states that if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication. According to FCRA Section 605B it is illegal to report anything on my credit report without my permission. This consumer have released my personal information and I keep getting harassing calls from collection agencies.