23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

HI ( CREDIT COLLECTION SERVICES Address XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone ( XXXX ) XXXX ) Im confused and XXXX  and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Payday loan, title loan, or personal loan

To whom it may concern, Good afternoon, I hope your day is going well! 

This message is being sent in response to an alleged debt that has been reported on my credit report from your company. I have attempted multiple times to dispute, as well as attempted to obtain verification, rights, and proof of your companies legitimacy to report and pursue this alleged debt three months ago with no response at all, putting your company in violation of the Fair Credit Reporting Act of 1970. 

My attempted requests of proof and legitimacy were not handled in a timely, or legally acceptable manner in accordance with the FTC managed, Fair Credit Reporting Act under United States law. The Fair Credit Reporting Act requires that creditors must respond to these requests within 30 days, or the debt becomes invalid. 

By failing to respond to the previous attempts within the 30 day period that the ( Fair Credit Reporting Act ) mandates, I am requesting that your company immediately removes this alleged collection account debt from my credit report with all 3 major credit bureaus, as well as any others involved, due to your companies violations of the " Fair Credit Reporting Act of 1970 ''. 

Thank you for your time, have a wonderful day. 
- XXXX XXXX
Product: Mortgage

We attempted to sell our home in a short sale. On XX/XX/XXXX, Shellpoint Mortgage informed us that our short sale was approved, with an offer price of {$500000.00}. Due to an issue with junior lien payoffs, the approval letter expired, and we were forced to start the short sale process over again in XX/XX/XXXX. After several months of back-and-forth regarding a document that Shellpoint had originally approved, but later demanded needed repeated conflicting edits, we were informed that all documents were submitted into the file. Shellpoint then told us that while we were working on the edits to the document, the broker price opinion had expired and needed to be renewed. They then told us that the BPO came back with a value of over {$640000.00} - an increase of {$130000.00} in four month 's time. We sent in a value dispute and they refused to review it. They are now setting a foreclosure sale date on the property. We reviewed the BPO and found the comps to be questionable in that there were several comps in the area that presented a more similar and accurate representation of the value of the property, which was closer to the originally approved offer price. We believe this is an attempt by Shellpoint to manufacture a reason to decline the short sale to take back the property, and/or a lack of due diligence on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE ACCOUNTS : 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
Product: Credit card or prepaid card

at XXXXXXXX XXXX. Sunday, XX/XX/XXXX I missed a call from an unfamiliar phone number that left a message for me. The call came from ( XXXX ) XXXX, claiming to be with Citibank. I do have a Citi card. When I called back they asked for the last 4 digits of my cc, which I did not have. In lieu of having the cc number it asked for my social security number. I started entering the number, then felt uneasy and hung up. Their message was thanking me for being a part of the Citibank family and asking to log into their website to review my account status, or call them at ( XXXX ) XXXX. I logged into my Citi account and their were no messages there. I called Citi myself today, at ( XXXX ) XXXX, which is the number posted on their website. The CSR told me that they had no record of any call, and the only time they'd call would be to discuss a late payment. The account is always paid on time. I tried the ( XXXX ) XXXX number today, and again it asks for either the last 4 digits of my account number or my ss #. However, I kept dialing " 0 '', and got a CSR -- but the background  noise/call quality sounded suspicious. I have googled both of these numbers today and seen different posts of it being a scam. Thanks in advance for your help. 
XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 XXXX transactions were unknowingly deducted from my TRUIST bank checking account for {$1400.00} and {$1400.00}. These funds were taken out using the XXXX and was then transferred immediatey to someone's XXXX account. This all happened almost instantly. 

Events as they occured : In XXXX I paid a caregiver to care for my mother through the XXXX. When she went to get her funds out, she was told the transactions had to be verified by me. On XX/XX/2022 On a three-way call to me XXXX put us on hold and we waited several minutes before we finally disconnected the call. I immediately went to my bank account and saw the funds were pending to be deducted from my account. I called the bank an was told they could not do anything as long as the transactions were pending. I tried to cancel the the transactions, but they said there was no way. I had to wait several days for the transactions to clear before I could submit a claim. 

On XX/XX/2022 the transaction cleared. I then submitted a fraud report to the bank, but it was determined that it was an authorized transaction and my claim was denied. 

When the bank refused my claim, around XX/XX/2022, I contacted XXXX and made a claim. After several days, they also said it was an authorized transaction and denied my claim. 

Subsequently, on XX/XX/2022, I contact a XXXX fraud response company ( XXXX XXXX ). They said for an additional {$550.00} they would give me the information to get my money back. I can not afford to put more money into this matter.
Product: Debt collection

Portfolio Recovery Associates bought my debt from XXXX XXXX in XXXX. The total balance owed to XXXX XXXX was XXXX as of XX/XX/XXXX. That was quoted to me by email from XXXX XXXX. I then made 7 payments after that email for XXXX each. Covid happened and I was the sole provider so I was unable to pay XXXX XXXX after XX/XX/XXXX. I only owed XXXX XXXX {$560.00} when I stopped paying them. PRA is now attempting to collect {$2200.00} from me. I contacted PRA and informed them the balance is incorrect. This is a violation of the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed multiple inquiries from  XXXX  reporting on my credit profile that I did n't authorize. I 'm also aware of Transunion system glitch and possibly resulted in unauthorized reporting of such inquiries.      XXXX  -  XXXX   XXXX ,    2017   XXXX  -  XXXX   XXXX ,  2017   XXXX  -  XXXX   XXXX ,  2017
Product: Student loan

I was placed into involuntary administrative forbearance for no apparent reason on XX/XX/23 I called that same day and they said they would process a request to take me out of forbearance in 3-5 business days. I waited this time and no action was taken. I called back and they said they couldnt give me a time frame for process to take effect. Called many more times all with XXXX min wait times, with no action being taken. I want to make my monthly payment on the SAVE plan to Take advantage of the interest subsidy but now I am just accruing XXXX XXXX XXXX of interest instead. MOHELA is fraudulent, inept, and should not be allowed to handle our loans. They are costing borrowers hard earned money because of their incompetence
Product: Debt collection

Agent did not give mini-Miranda after asking who I was but continued to try to collect a debt anyway. I mailed in the payment once I received the letter. The payment due on the letter was {$47.00} which I gave my debit card to use. They ran the charge for {$51.00} and caused an overdraft in my checking account. If there was a service charge for using a debit card, it was not clear on the bill.
Product: Debt collection

In XX/XX/XXXX I received a letter stating that I owed a XXXX bill from my old telephone/tv service account as an early termination fee. I did not terminate service I merely moved across town and kept the service, they would not resolve the debt and it was in the hands of Eastern Account System of Connecticut. At that time, I made a payment of XXXX. The remaining balance I did not pay, it was a complete oversight. I DID NOT receive a reminder call, letter or email. I sold my house and am in a new home, I am a widow and mother of XXXX  seniors going to college, I would have expected a little understanding with my situation. I am financing my new home now and a collection debt for XXXX is on my credit report lowering my rating dramatically. I called up the company, I made another {$25.00} payment and said I would like to settle this account, the balance is XXXX, I told the agent " XXXX XXXX '' XXXX ext. XXXX, I would like to pay it in full, she was rude and said she was not going to remove it from my credit report, I can pay it but her company DOES NOT remove negative or derogatory remarks from credit reports. This collection agency " Eastern Account System of Connecticut '' did not follow up with me, they DID NOT make any attempt to clear this up and when I am now trying to resolve this matter, they will not remove the negative from my report, lowering my score 30 points! I am trying to move forward and this company is abusing its power and is not working with consumers for a positive result, they appear to be against the consumer and on a mission to ruin people 's credit scores regardless of whether they pay or not.
Product: Student loan

My Loan was originally with XXXX XXXX and in deferment, XXXX XXXX stated I defaulted on the loan and sold it out. Now the loan is in Nelnets hands and I have seen the principal go up and up after paying every month going at this rate I will be died and still paying the loan. The education I received for this loan was not even worth it. Wish I could go back 13 years and change this.
Product: Checking or savings account

The first of the month this year, I had tried to deposit my two checks into my sofi mobile bank account. They got in contact with the sender and verified with him and told him everything is good. Check verification cleared and account funds were processed thru senders bank.

Sofi then rejects the first check with nothing more to tell me it's for my protection and then starts the process of restricting my account and prepping it for closure.

While it's being up for closure and not telling me anything about the situation they go ahead and process the second check which I'm supposed to get on the ninth. But here is a problem that I'm not sure how to deal with. I have limited access to account and can not do anything with the money in account at all. I finally was told it's the checks that have made me " breach the contract '' but it's the checks we're cleared after the first was rejected and just before the second check was processed. 

Everything is mixed up but I'm cleared and verified with the senders bank but sofi is not showing any interest for my security or protection, just watching over themselves.
Product: Mortgage

Hello, I entered into a mortgage agreement with XXXX XXXX  XXXX ( XXXX ) on XX/XX/XXXX. One specific rule was to make escrow payments for 12 months at which time I can request to remove the escrow. After a few months of payments the mortgage loan was sold to be serviced by another servicer named Shellpoint Mortgaging by Newrez ( Customer Service department at XXXX / https : //www.shellpointmortgageservicing.com/ ). I recently emailed asking to remove the escrow as we will be approaching 1 year upon XX/XX/XXXX payment. They wrote me back stating " THEY '' require 24months of payments before being released from the escrow. THIS IS NOT FAIR TO ME AS THE CONSUMER! I didn't have anything to do with changing the servicer nor was I asked if I wanted to change to the new servicer. They are monopolizing my money and it is NOT FAIR. I never wanted this escrow in the 1st place but COVID forced a situation on us that we had to take this loan. I had no idea what criminals these people are! Don't they have a fiduciary responsibility? Why should I get screwed by a company I didn't make any agreement? I want to be released from these chains of ESCROW immediately. 

Please help! 

Thank you, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

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

There are XXXX inquiries on my credit report that I didnt do
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 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  ) Has violated my rights
Product: Credit reporting or other personal consumer reports

I just received my new credit report for XXXX and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 

XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX via XXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I was advertised some products from a company and was told that a XXXX payment would be accepted for payment of goods. The XXXX payment was sent and no goods were received. Wells Fargo was made aware of this situation more than 3 times with no assistance to the consumer. I felt as though I was scammed for my money XXXX XXXX XX/XX/2022
Product: Credit card

I was charged by Citi XXXX {$590.00} annual membership fee for my XXXX Citi XXXX, plus an additional {$170.00} for an authorized user on my XX/XX/year> statement. For the record, I had not used this card for sometime since XXXX of XXXX, so the only balance on the card was due for membership fee. Unfortunately, I was out of the country and I was late on my payment for a couple of months, and Citi reported me as 30 days late to credit bureau before closing my account. 

When I contacted Citi 's Customer service and then spoke to a supervisor to dispute the charges, I was told that unless I paid the full balance, they would report me as 60 days late. To protect my credit, I reluctantly paid the full {$790.00}, which included the membership fees, and interest. Despite this, I was informed that my card would remain closed and my membership card privilege is no longer active. 

Essentially, Citi charged me {$770.00} ( $ XXXX {$170.00} ) plus interest in membership fees then closed my card without reinstating it, even after I paid in full. I made no purchases on this card, and I find extremely frustrating. I requested that Citi XXXX supervisor to reinstate my account since I had settled the balance, but she declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # 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
Product: Credit reporting or other personal consumer reports

RE : FINAL APPEAL TO REMOVE DISPUTED ACCOUNTXXXX. 
TO WHOM IT MAY CONCERN, I DID NOT DISPUTED MY PERSONAL INFORMATION, MY NAME, MY TELEPHONE NUMBER, OR PUBLIC RECORDS AS TRANSUNION HAS STATED. I HAD PREVIOUSLY DISPUTED XXXX  FOR THE 8TH TIME AND CONTINUE TO REQUEST A COPY OF THE REINVESTIGATION PROCESS UNDERTAKEN BY TRANSUNION, AS ALLOWED UNDER THE FCRA. HOWEVER, TO DATE, I HAVE NOT RECEIVED THE REQUESTED INFORMATION, NOR ANY RESOLUTION REGARDING XXXX. AS TRANSUNION IS AWARE, THE FCRA GRANTS CONSUMERS THE ABSOLUTE RIGHT TO REQUEST INFORMATION ABOUT THE REINVESTIGATION UNDERTAKEN BY TRANSUNION WHEN HANDLING DISPUTES. THIS PROVISION IS ESSENTIAL IN ENSURING A FAIR AND ACCURATE REPORTING OF CREDIT INFORMATION. UNFORTUNATELY, THE LACK OF RESPONSE TO MANY OF MY PREVIOUS REQUESTS HAS ME LEFT WITHOUT A CLEAR UNDERSTANDING OF HOW THE REINVESTIGATION PROCESS WAS CONDUCTED. SINCE I HAVE NOT RECEIVED ANY DOCUMENTATION FROM TRANSUNION, BY STATE AND FEDERAL LAW, THE DISPUTED ACCOUNT SHALL BE REMOVED. THE DOCUMENTATION IS CRUCIAL IN EVALUATING THE ACCURACY AND LEGITIMACY OF THE REPORTED ACCOUNT. IT IS IMPERATIVE THAT THIS ISSUE BE RESOLVE PROMPTLY TO ENSURE THE FAIRNESS AND INTEGRITY OF MY CREDIT REPORT. FAILURE TO CONTINUALLY NOT COMPLYING WITH THE LEGAL OBLIGATIONS WILL RESULT IN LIABILITY UNDER THE FCRA. I EXPECT A PROMPT RESPONSE OF THE REMOVAL OF XXXX IMMEDIATELY BASED ON FAILURE TO MEET THE CRITERIA FOR REPORTING. I DID NOT REQUEST ANY REINVESTIGATION INTO THIS MATTER. I REQUESTED THE REMOVAL OF XXXX UNDER THE FCRA. 
SINCERELY, XXXX XXXX