23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nj XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX, SC XXXX RE : Dispute of Alleged Debt under Consumer Protection Laws Account/Reference Number : XXXX... 

To Whom It May Concern, This letter serves as a formal notice that I dispute the validity of the debt referenced above. I am exercising my rights under the following federal consumer protection laws : 1. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) Under the FDCPA, I have the right to request verification of the alleged debt. I hereby demand that you provide written validation of the debt, including the original creditor, itemized breakdown of the amount, and proof that I am legally responsible for it.

2. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) If this debt has been reported to any consumer reporting agencies, I request an immediate investigation and removal of any inaccurate or unverifiable information from my credit report.

3. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 ) If this debt arises from a credit account, provide complete disclosure of all terms, conditions, and finance charges that support the alleged debt.

4. Consumer Financial Protection Bureau ( CFPB ) Regulations As per CFPB guidelines, I am entitled to clear and accurate information regarding any debts claimed against me.

I request that all future communication regarding this matter be conducted in writing. Additionally, I instruct you to cease and desist any harassing or threatening communication in compliance with the FDCPA.

If you can not provide sufficient proof of the alleged debt, you are required to remove all negative information from my credit report and cease collection activities immediately.

Failure to comply with this request may result in me filing a formal complaint with the Consumer Financial Protection Bureau, my state Attorney Generals office, and other appropriate authorities. 

Please respond to this letter within 30 days of receipt. Send all documentation to the address listed above. 

Sincerely, XXXX XXXX
Product: Mortgage

XX/XX/XXXX I filed for Chapter XXXX bankruptcy as I had lost my job and needed relief from unsecured creditors. I was granted this relief in XXXX XXXX. My mortgage is serviced by Ditech financial. This loan has never been late or short in any way since taking out the mortgage in XXXX. After filing the BK the statements changed to a notice for " informational purposes only ''. I understand this because of the BK but it has now been discharged and Ditech is not reporting the payments to the credit boroughs so the good payment record I have with them is not showing. I am trying to get back on my feet and have always done right by Ditech. They refuse to let me know the payoff amount and will not report to the credit boroughs. They still happily take my money each month though.
Product: Credit reporting or other personal consumer reports

Dear CFPB and XXXX, I am writing to formally dispute inaccurate and incomplete information currently being reported on my credit file by XXXX. I have identified the below inaccurate, and I request an immediate investigation and correction of these errors in compliance with the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Act ( XXXX ). 
Inaccurate Accounts : XXXX ( Account- XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Card ( Balance : $ XXXX ) XXXX XXXX XXXX ( Balance : $ XXXX ) Account open in XXXX XXXX XXXX XXXX ( XXXX ) Account opened in XXXX Collections : XXXX. XXXX, XXXX ( Balance : $ XXXX ) According to the recent lawsuit filed by the CFPB against XXXX ( Case Number : XXXX ), XXXX has been found to violate its obligations under the FCRA and XXXX in multiple ways, including but not limited to : XXXX. Failing to conduct reasonable reinvestigations of consumer disputes as required by XXXX XXXX. XXXX. 
XXXX. Failing to forward all relevant dispute information and documentation to furnishers. 
XXXX. Providing consumers with confusing, ambiguous, and inadequate responses regarding dispute outcomes. 
XXXX. Failing to ensure maximum possible accuracy of information in consumer reports, as required under XXXX XXXX. XXXX ( b ). 

These systemic failures directly impact consumers like me, as these inaccuracies can result in credit denials, higher interest rates, or other financial harm. 

The inaccurate information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Balance : $ XXXX ) XXXX XXXX XXXX ( Balance : $ XXXX ) Account open in XXXX XXXX XXXX XXXX ( XXXX ) Account opened in XXXX XXXX ( Account- XXXX ) I.C. XXXX, XXXX ( XXXX : $ XXXX ) Under the FCRA, XXXX is required to : - Conduct a reasonable reinvestigation of my dispute within 30 days of receipt.

- Notify the furnisher of the information and provide them with all relevant dispute documentation.

- Correct or delete any inaccurate, incomplete, or unverifiable information. 

In addition, I request that XXXX comply with its obligations under 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) and ensure that any deleted information is not reinserted into my credit file without proper notice. 

If XXXX fails to meet these obligations or rectify this issue, I will escalate my complaint and may pursue legal remedies under the FCRA and CFPA.

CFPB, I request that your office investigate XXXX handling of my dispute, as their failure to comply with federal law indicates a pattern of systemic noncompliance. 

Please confirm receipt of this dispute letter and provide updates on your investigation and resolution within the timeline required by law. 

Thank you for your prompt attention to this matter
Product: Debt collection

I filed a dispute with XXXX for a company called Mechants Preferred LE. The address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. I am a victim of identity theft. Someone has been taking out a lease on something for {$7000.00}. The date it was opened was XXXX XXXX. I have already filed a police report and told the company and XXXX, but know one is doing anything. At this point if you all can't help I will have to file a police report. This is the second time someone leased something in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all Three Major Credit Bureaus XXXX, TransUnion and XXXX  to dispute anincorrect hard inquiry on my credit report. I have requested them to provide me a verified letter for the XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX. 
I never authorized this company to run my credit report. I have contacted the credit bureaus by filing a dispute and requested to send me all correct information to me. I have not received any information back from anyone. This is illegal and I am forced to file a suit due to unresponsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted ; XXXX XXXX XXXX- ( XXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Mississippi, they are reporting a debt that I have not agreed to enter by contract or written consent, and they are reporting this information to the bureaus, it is hurting me greatly. 

There is no privity and no signed contract or agreement between me ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

This is not my loan or anything that I have applied for my identity was stolen
Product: Credit reporting or other personal consumer reports

TransUnion has simply removed, reduced and completely taken away my access to view, document and dispute runaway issues on my credit report after contacting them numerous times. Its like the second I mentioned I was affected by the recent data breaches it became instantly having my access suddenly removed and forcing me off my account while in a ongoing support call. I would like to mention this is after I already verified myself multiple times in the same day is outrageous. Currently I am not able to obtain a credit report from them due to a system error, I am not able to dispute anything on my declining credit score despite ACTIVELY paying on my loans and debts which in turned are marked as missed or late payments further damaging my score. Due to a system error I am not able to do anything useful what so ever. For a credit bureau to behave like this because I am actively complaining about things I am paying on does not warrant this kind of treatment. I would like to have access to all of the features restored on my account.
Product: Mortgage

closed XXXX/XXXX/15, deed and mortgage still not recorded. 
contacted ALTI SOURCE to find out why, no response.
Product: Mortgage

My mortgage loan was transferred to LoanCare and since it transferred to them, my impound account was not properly funded. I now owe the county a large sum of money for taxes, out of pocket. I emailed, sent documents, and called them in an attempt to get them to pay my taxes from my impound account, they have done nothing. The people I did get on the phone were not helpful, and one employee was very rude. My emails have never been responded to. I attempted to call again last week, XXXX/XXXX/2015, to XXXX different numbers of theirs and the phone answered, but it was dead air, there was nobody there. I also had to jump through hoops with my home insurance company because the policy was not renewed as it should have been. I have never had to worry about anything with my home loan before, but with LoanCare I 'm very concerned they will mess something up again and it will cost me time and grief.
Product: Debt collection

In XX/XX/2016, I purchased two blouses and two pairs of pants from XXXX for my wedding and associated events for {$120.00}. When I received the packaging, it was heavily soiled and damaged ( see pictures ). Given the quick turnaround to the wedding, I needed to keep one set of blouse and pants and sent the second set back. After returning the items, I was only credited {$8.00} and was never given a satisfactory explanation as to why. After deducting the {$76.00} ( the total value of the returned merchandise ) from the {$110.00} adjusted balance, I sent a check for {$37.00} ( see check # XXXX ) received before the XX/XX/16 due date. Since then, the balance has grown to {$260.00}, and the account has been transferred from XXXX XXXX to Crown Asset Management , LLC. This balance is not correct, as I paid off everything I actually owed with check # XXXX.
Product: Mortgage

This is my email to Bayview Loan Servicing, Bayview Loan Servicing , LLC Customer Support XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX Customer Relations Department at XXXX. Our hours of operation are Monday Friday XXXX XXXX to XXXX XXXX ET, and Saturday XXXX XXXX to XXXX XXXX   ET. 


Loan Number XXXX Property Address XXXX XXXX XXXXXXXX XXXX, AZ XXXX Mailing Address XXXX XXXX XXXX, XXXX, AZ, XXXX, USA Interest Rate 11.2500 % OK, I have sought legal counsel on several issues. 
First, The property address is not XXXX XXXX XXXX XXXX, XXXX, Az XXXX. That was an office space I rented from XXXX until XXXX The correct site address is XXXX XXXX XXXX, XXXX, AZ XXXX. 
Make the necessary changes. 

Second, I reviewed the form XXXX and found a gross error that the Federal Trade Commission may be interested in. How is it I paid {$200.00} every two weeks, never missed a payment, and now I owe more at the end of XXXX than I did at the beginning of XXXX. 
I wonder how many mortgage payers are going to blindly pay the balloon you are creating. 

Thirdly, who is collecting the interest on the {$200.00} payments I am making until it is applied to the loan. That is my money, I expect that money to be applied as I pay it not held in your interest bearing escrow. Thus what are you doung with the extra payment a year I am making. I want to pay this not off not have you embezzle the interest you are earning at my expense. 

So, I more than request a full accounting of all payments applied when received and the EOY balance adjust downward where it should be. 

In the meantime, I will be filing a complaint to the FTC concerning your continued egregious inability at mortgage servicing. You should be shut down. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- end of email to Bayview -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This note was incepted originally with XXXX. They sold the note to Bayview and Bayview has sold it twice more since yet maintain servicing provider. I have had nothing but trouble with Bayview. I need to pay biweekly ; it took me three tries before they figured out how to take biweekly payments. Yet, they do not apply the payments to the note when they receive the payments, They hold the payments in escrow until the regular payment is due. That means I am paying 30 days interest on a sustained balance instead of 15 days. I am not being credited the interest they are earning on my money they hold in escrow. 
Then, they increased the EOY balance by the difference of the interest I paid and the payments I made. They are creating a balloon payment situation that I will never be able to pay when it is due. That is one reason for the biweekly payments to reduce that end of contract balloon. 
These people took over servicing XX/XX/XXXX and continue to demonstrate their inability to properly service loan accounts. They should be shut down.
Product: Credit reporting

After the investigation the same results continued with a negative report from debt buyer, XXXX XXXX, formerly XXXX XXXX XXXX, concerning cut-off procedures that the wrong credit account, XXXX XXXX XXXX XXXX also a debt buyer, formerly XXXX XXXX XXXX, engaged in in XXXX XXXX, 2015, after receiving payment that belonged to XXXX XXXX ( also XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX did n't send the ACH money back to the consumer since I owed nothing on that credit account, but they transferred it belatedly to the debt buyer, XXXX XXXX, which made my account delinquent and accrued late fees and default interest fines. I received credit a few times, but the error continued. My phone calls to a sales force, and my Emails to the XXXX XXXX XXXX, and my written correspondence to XXXX XXXX XXXX went unanswered. When I could not figure out what I owed I stopped paying my credit account held by XXXX XXXX, that has no documents or a signed agreement from me. I am on XXXX, and it is against the federal and state laws for them to try to collect on the account as a debt buyer. Equifax is aiding and assisting the debt buyers, XXXX XXXX and XXXX XXXX XXXX XXXX, hence XXXX XXXX XXXX in the scam and racketeering because of the proximity to their administrative and internal controls that lead to the toxic bullying and emotional distress, and continued collection activities.
Product: Mortgage

on or around 2012. I noticed account on my XXXX and XXXX credit report that did n't belong to Bank of America account with a foreclosure status. Date open XXXX mortgage term of two years. I immediately disputed account as not mine. Credit report agency along with Bank of America refuse to remove this item from my credit report. I had never had to an bank of America mortgage. I 'm requesting and complaining that this account be removed from my credit report. I never signed any mortgage loan Bank of America has refused to send me documentation, because frankly there is n't any documentation showing that I a mortgage with Bank of America.
Product: Credit reporting or other personal consumer reports

I am writing to you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per XXXX U.S.C XXXX Whenever a consume reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to XXXX XXXX XXXX XXXX ( XXXX XXXX ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 
PLEASE DELETE THE FOLLOWING 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX  # : XXXX ; XXXX XXXX XXXX XXXX  # : XXXX ; XXXX XXXX XXXX XXXX # : XXXX ; XXXX XXXX XXXX XXXX # : XXXX ; XXXX XXXX XXXX XXXX  # : XXXX ; XXXX XXXX XXXX XXXX # : XXXX ; XXXX XXXX XXXX XXXX # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I was recently in an accident with possibly totaled Car on XX/XX/XXXX. 
I called XXXX to report the claim but they told me that I didnt have collision insurance. 

XXXX states letters were sent out 3 months after the purchase of my vehicle to me for consent to rate, which I never received. And that in XX/XX/XXXX they reported to Ally I no longer had full coverage on the Vehicle. 

It is required to have full coverage on the vehicle in order for me keep the loan and continue making payments. 

Ally should have either notified me of my lack of coverage as it is a breach of contract- and asked me to correct or force place coverage on me. 

They admit to having received notification of the lack of coverage in XXXX, but continued to let me make payments. 

We are at the point now where I have a near totaled vehicle that is potentially not covered.
Product: Credit reporting or other personal consumer reports

XXXX, EQUIFAX, XXXX HAS FAILED TO REMOVE ALL THE NEGATIVE ACCOUNTS FROM MY CREDIT REPORT. ALL BUREAUS HAS CAUSED ME SERVERE DAMAGE TO MY REPORT BY REPORTING NEGATIVE ACCOUNTS DUE TO UNAUTHORIZED CHARGES.ALL XXXX BUREAUS CONTINUED TO REPORTING THE NEGATIVE ACCOUNTS, ANDTHIS INACCURTE INFORMATION DESPITE DISPUTING WITH THIS BURESU NUMEROUS TIMES. I WILL SEAK LEDAL ACTION DUE TO THE DISSTRESS OF THE INACCURATE INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received a collection letter from XXXX XXXX XXXX XXXX. I do not recognize the original creditor and do not have an account with the original creditor, and I searched the telephone number of the collection company, there is no such number!I believe it's a scam and trying to deceive me into payment them. Let other people see the info and be careful!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lease for a XX/XX/XXXX XXXX XXXX with Chrysler Capital - account # XXXX. 

I recently checked my credit report and there was a 90 day late on my credit report for this account. 

I was NEVER late on my payments and turned this in without issues. 

This 90 day late is severely impacting my credit score. There is no date for when they claim the late payment was. This is incorrect information and I a requesting for it to be cleared.
Product: Credit reporting or other personal consumer reports

I am writing with grave concern over the continued presence of fraudulent, inaccurate, and misleading entries on my credit report despite my numerous attempts to have them corrected. The existence of these erroneous items has severely impacted my life, causing immense stress and anxiety. I must emphatically reiterate that I am a victim of identity theft and never authorized or consented to having this information wrongfully associated with my name and credit file.
Product: Consumer Loan

Around XXXX we consolidated our loans and paid off a loan to Chrysler financial for an automotive loan. In XX/XX/XXXX we applied for a lost title at our local town office in Tennessee. At this time it was made known to us that TD Financial XXXX XXXX XXXX XXXX XXXX lien on our title. I was directed to TD financial XXXX XXXX, then to My title Support XXXX, and back to TD financial to find that there is a " balance due of {$85.00} '' for " charges and fees ''. I have NEVER received any notifications from XXXX, TD Auto Finance or any other representative in the TEN to TWELVE YEARS since that loan was paid off. TD Auto Finance is located in XXXX Maine and I have never transacted business with them. I requested a supervisor call me to discuss the " balance due '' on XXXX/XXXX/15, and 1 week has passed with no response despite the XXXX calls I have placed to their " customer service department '' I find it very concerning and unethical that a corporation can quietly hold a " balance due '' for more than 10 years and then demand a consumer pay.