23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX Day of XXXX, XXXX we took out a loan with XXXX XXXX XXXX for the installation of a pool at our property at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. The loan was sold to XXXX XXXX  on XX/XX/XXXX. We made monthly payments to XXXX XXXX. As a result of the financial crisis in XXXX, we did a HAMP agreement in XXXX for our first mortgage with XXXX XXXX XXXX XXXX. We spoke with XXXX XXXX subsequently and was informed that due to the HAMP program and our hardship they will release us from this loan. On XX/XX/XXXX a Release of Mortgage for this loan was sent to us by XXXX XXXX. On XX/XX/XXXX we received a letter from Amos Financial LLC informing us that we owe {$63000.00} for this loan. We sent Amos Financial a copy of the Release of Mortgage and they said that a Rescission of Release was recorded on XX/XX/XXXX by XXXX XXXX  and that the Mortgage Release was an error. We were never informed of this Rescission and no attempt was made to collect any monies from us for many years. We do not believe that we should be paying this amount. We believe that this is a dishonest attempt to collect monies from us after such a long period of time a Rescission was done. XXXX is presently on furloughed indefinitely. We are very disturbed about this new and sudden development during this difficult COVID-19 time. We are appealing to your office to resolve this matter for us as we believe that this is an illegal practice.
Product: Credit reporting or other personal consumer reports

XXXX : ** Request for Verification of Credit Reporting in Compliance with the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally request verification of the accuracy of the information you have reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation to verify the accuracy of any disputed information.

I recently reviewed my credit report and identified information that I believe may be inaccurate or unverifiable. I am requesting that you provide me with the following : 1. **Details of the Investigation Process** : Please explain how you verified the accuracy of the disputed information, including the specific methods and steps taken during your investigation.

2. **Source of the Information** : Provide the name, address, and contact information of the creditor, data furnisher, or any entity that supplied the information in question.

3. **Documentation Used** : Share any documentation or evidence obtained from the furnisher of the information to support its accuracy.

The FCRA mandates that all information reported must be accurate, complete, and verifiable. If you are unable to provide sufficient evidence to verify the disputed information, I request that it be removed from my credit file immediately.

Please respond to this request within 30 days, as required by law. Failure to comply with this request may result in further action to enforce my rights under the FCRA.

I have included a copy of my credit report with the disputed items highlighted for your reference. Additionally, I have enclosed copies of my identification and proof of address to verify my identity. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX : - Copy of credit report with disputed items highlighted - XXXX of government-issued ID - XXXX of address
Product: Debt collection

THIS ACCOUNT IS REPORTING INACCURATE AND UNVERIFIED INFORMATION ON MY CREDIT REPORT. THIS ITEM MUST BE " DELETED '' BECAUSE IT IS A VIOLATION OF THE FCRA AND THE FDCPA. SINCE THIS ITEM HAS NOT BEEN PROPLERY VALIDATED OR VERIFIED AND IS STILL REPORTING ON MY CONSUMER REPORT, I WILL BE SEEKING FOR DAMAGES UNDER THE FCRA AND FDCPA UP TO {$1000.00} PER VIOLATION FRO EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act the following accounts have violated my federally protected consumer rights and confidentiality under the 15 USC 1681. 

XXXX  Finacial XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX # XXXX, 15 U.S.C 1681 Section 602 A, State I have the right to privacy 15 U.S.C 1681 Section 602 A ( 2 ) States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

15 U.S.C 15-2 ( A ) ( 1 ) Reporting information with actual knowledge of errors 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.

And in accordance with the new law put in place with the cares act any accommodation given to a consumer...
Product: Credit reporting or other personal consumer reports

I reached out to the loan company, XXXX on XXXX, and XX/XX/XXXX regarding a fraudulent account opened using my personal information. I have no affiliation with this account or the funds received. XXXX will not investigate or close this account and I am being held responsible to make payments. This account is now showing up on my credit report which is how I became aware of the fraud. I noticed the account on my credit report on XX/XX/XXXX and immediately emailed XXXX that night, and have followed up with phone calls on XX/XX/XXXX and XX/XX/XXXX. Please help.
Product: Credit reporting or other personal consumer reports

I am writing in regards to the above-referenced debt to inform you that I am disputing this debt, which shows on my report as " XXXX XXXX '', an collection account with a due of XXXX dollars. 

Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt, you should not report it on my TRANSUNION report. 

Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ). 
Thank you for your attention to this matter.
Product: Debt collection

On XX/XX/year> I mailed a letter to validate a collection that is being reported to the credit bureaus. The account was opened with Fair collections & outsourcing on XX/XX/year> showing a balance of {$900.00}. Fair collections & outsourcing failed to respond to my validation letter. The uploaded attachment is the letter that was mailed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXXXXXX XXXX XXXX  ( Account # XXXX ), has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights 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.
Product: Debt collection

I had repeatedly asked the company to send me proof that I owed the debt and they refused to send a letter stating they sent to to an old address. They also cursed me out, called me names and said I would be arrested if I didn’t pay them. I asked for a certified mail to prove I owed the debt. The collectors sounded like scam artists and asked for my social security number, mothers maiden name, birth place and bank account information. They could not provide me full information of the debt and they refused multiple times to verify the debt with me and send me a letter so I could pay the debt with a money order and not my personal bank account
Product: Debt collection

This company, Allied Recovery Solutions, has contacted me by mail, several time throughout two years time, demanding I pay {$170000.00}, on a claim about an accident that occurred two years ago. That claim is closed and they won't stop sending harassing letters to me. Threatening action against me if I don't pay.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX 15 U.S.C. 1692c ( b ). that law clearly states In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent. 

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian  and before XXXX XXXX  postmeridian, local time at the consumers location ; ( XXXX ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from thedebt collector or unless the attorney consents to direct communication with the consumer; or ( XXXX ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving suchcommunication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of theconsumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of thecreditor, or the attorney of the debt collector. 
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumerwishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that thedebt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector orcreditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Mortgage

BAYVIEW LOAN SERVICING, LOAN # XXXX. 
I WAS PAYING {$74000.00} AT THE TIME YOU MODIFIED MY LOAN TO PAY {$65000.00} SO KEEPING MY INTEREST RATE THE SAME WITH TERM AND CONDITION THE SAME AS PER YOUR LETTER DATED XX/XX/XXXX. MY LAST PAYMENT OF {$650.00} WAS MADE LAST XXXXXXXX XXXX XXXXXXXX AND ALL OF A SUDDEN YOU PUSHED WITHOUT INFORMING ME ABOUT TRANSFERRING MY LOAN TO GET YOUR OWN SERVICING COMPANY, COMMUNITY LOAN SERVICING TO DEAL WITH MY LOAN. I AM REQUESTING THAT MY LOAN STAYS WITH YOU. YOU PUT ME THROUGH THIS GOVERNMENT PROGRAM BECAUSE I WAS AFFECTED BY XXXX XXXX, OFFERING ME THAT THE UNPAID MONTHLY PAYMENTS WERE GOING TO THE END OF THE LOAN LIFE AND THAT EVERYTHING ELSE WAS GOING TO REMAIN THE SAME. WHY ARE YOU CAUSING ME SO MUCH HEADACES. MY PAYOFF AT THE TIME OF YOUR LETTER WAS {$150000.00} AND IT IS AT THIS TIME {$180000.00} ACCORDING TO THE LAST LOAN SERVICING COMPANY. WHAT YOU ARE DOING WITH MY LOAN IS WRONG OR THE GOVERNMENT PROGRAM IS JUST A SET UP FOR THE AMERICAN PEOPLE TO LOSE THEIR AMERICAN DREAM, THEIR HOUSES. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX HAVE BEEN ENTERNTAINING ME FOR A LONG TIME, TELLING ME THAT THEY'RE PROCESSING MY LOAN AND INSTED OF DOING WHAT THEY SAID THEY WERE DOING THEY HAVE GOT MY LOAN INVOLVES WITH SO MANY LOAN PROCESSING COMPANIES WITHOUT TELLING ME THAT THEY WERE TRANSFERRING MY LOAN TO SIX LOAN SERVICING COMPANIES : COMMUNITY LOAN SERVICING, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BAYVIEW LOAN SERVICING ARE RESPONSIBLE OF MY LOAN. YOU MODIFIED MY LOAN AS PER YOU LETTER AND YOU NEED TO CLEAR MY LOAN ACCOUNT.
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. 

Account Name : XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX 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 States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions 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: Mortgage

I, XXXX XXXX purchased my home in XX/XX/XXXX. After sixteen years of ownership and living in my home with several mortgage holders over the years, my mortgage was turned over to Select Portfolio Service , Inc ( SPS ) in XX/XX/XXXX. Due to the Nevada housing bust during the recession, I was offered a loan modification by SPS to lower my APR rate and mortgage. So, I applied for the loan modification however, the modification process has taken a very long time processing. Ive been asked to resubmit the required forms over ten different times for one reason or the other. Finally three months ago I was fortunate to get some assistance from a very helpful SPS agent XXXX that offered his time to assist me through the whole process on their website to make sure no mistakes were made on the required forms. This time after all the required forms were submitted properly, I was informed that I didnt qualify for modification due to the fact that my income was too low to cover my mortgage! So, I requested a breakdown of my mortgage balance at first they said that my account information was Interest Bearing Principal {$220000.00} and Deferred Principal {$350000.00} Totaling at {$570000.00}! When I called and question this outrageous amount after all these years of living in my home and paying my mortgage, they instructed me to put my request in writing which I did and now they have come back to claim that their figures are not only right but the Itemization shows that I owed {$620000.00}! Ive been asking for justification for how I came to owe more than three times the original amount of my home after sixteen years to no avail. 

I do have supporting documents to my home ownership! Yes, there have been late payments during this modification process but owing 3 times the amount of the original cost of my home is not right or fair! I was informed that I may be a victim of a predatory lending and to seek CFPB assistance. Thanks for your assistance in this matter! 

Yours Truly, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I went on to the XXXX XXXX website to see about loans that I could be eligible for. On the website it indicated that I could check for rates without hurting my credit score, that a soft pull would be done. I entered the last four of my social security number with the understanding that hard pull would not be done on my credit report. XXXX  XXXX  then provided me with several lenders that would be willing to give me a loan and listed terms so that I could so that I could choose the lender that I wanted. I then got an email from XXXX  indicating that OneMain Financial put a credit inquiry on my XXXX  credit report ; however, I did not request any thing from OneMain Financial. I ended up taking a loan from another lender but I never even looked into taking out a loan with One Main Financial. They did not have permission to pull my credit, I did not fill out any applications with them, and I did not request any additional information from them so they should not have pulled my credit.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$320.00}
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. 
Account name : # DEPT OF EDUCATION/XXXX account number : XXXX Account name : XXXX XXXX XXXX Account number :, XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX account number : 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 States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions 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 card or prepaid card

I currently have two American Express points Credit card. I have earned close to XXXX points. I was trying to redeem the points, I get an error stating that my account is on hold and I am not able to use the points. Upon speaking to several customer representatives, I was told there was a hold on spending the points for a few months without giving a clear reason for the same. No representative has an idea of why it is happening this way.
Product: Credit reporting or other personal consumer reports

This is XXXX of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXXXXXX XXXX. Please DELETE.
Product: Debt collection

ADVANCE AMERICA Must provide consumer with an authenticated record of accounting to validate and verify alleged debt. ADVANCE AMERICA, I am requesting an authenticated record of accounting. I have the right to an authenticated record of accounting which should be readily available to you as the custodian of records and/or the collective entity. 

Please note that this authenticated record must include ALL tax filings ( including ALL 1099 's, 1096 's and 1098 's ) ANY and ALL trades and/or investments and/or interests associated with this account of which I am alleged to be a party.

I have a right to this information, as its directly associated with the reporting activities associated with my financial record.

Failure to act and/or comply will result in legal actions under Federal Laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been incarcerated since 2012, and now I'm looking into my credit, I discovered unknown accounts to my knowledge and I'm requesting that these accounts be removed from my report, XXXX {$180.00}, {$370.00}, XXXX XXXX {$400.00}, {$110.00}, XXXX XXXX XXXX {$1.00} XXXX, XXXX XXXX {$1300.00}, XXXX XXXX XXXX {$83.00}, {$150.00}, XXXX XXXX XXXX {$610.00}, XXXX XXXX au {$150.00}, {$41.00}, {$40.00}, {$20.00}, XXXX {$610.00}, XXXX XXXX XXXX {$1000.00}, XXXX XXXX {$0.00}, XXXX/ XXXX {$610.00}, I would appreciate if these accounts was removed immediately.
Product: Credit reporting or other personal consumer reports

I have 2 or 3 XXXX XXXX  XXXX hard inquiries that I did not instigate!
Product: Student loan

The federal Stafford loan from XXXX XXXX  in XXXX XXXX in XXXX was approved for XXXX  Discharge on XX/XX/XXXX. The loan was then monitored for 3 years for continued XXXX. I met the 3-year period for XXXX XXXX XXXX XXXX. As of XX/XX/XXXX, the U.S. Department of Education and its loan servicer, Nelnet, noted that the loan was officially discharged and would not be subject to any further monitoring. Nelnet stated by letter that this loan would be reported as DISCHARGED. The loan was officially discharged more than 3 years ago. XXXX refused to note the correct status as discharged. XXXX  changed the status of the loan to PAST DUE with terms. The loan was never past due or late. The correct status is DISCHARGED. All of the other credit reporting agencies have removed the loan from their respective credit reports and they also do not post disconnected phone numbers and other inaccurate information. I am covered under the XXXX  XXXX  XXXX  XXXX  regarding unfair business practices and violations of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX Inquired on XX/XX/2023 2023