23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX, IL, XXXX XX/XX/year> [ Contract Callers INC ] [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX Re : Request for Debt Validation Account Number : XXXX Dear Contract Callers INC, I am writing to demand the immediate deletion of any collection entry from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. 1681 section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified a collection entry that was inaccurately reported and must be removed. Please be advised that this letter is a formal request for validation of the debt in question, as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
In accordance with the FDCPA, we request that you provide the following documentation and information to validate the alleged debt : 1. The name of the original creditor to whom the debt is owed.

2. A detailed statement of the amount of the debt, including the principal balance, interest, fees, and any other charges that comprise the total amount you claim is owed.

3. A copy of the original signed agreement or contract that establishes my clients obligation to pay the debt, including any terms and conditions.

4. An itemized statement showing all payments made towards the debt, credits applied, and the current balance.

5. Proof of your authorization to collect the debt on behalf of the original creditor, if applicable, including any assignment, transfer, or sale of the debt.

6. A copy of any judgment or court order ( if applicable ) that you claim authorizes this debt or the collection efforts against my client.

7. Proof that the statute of limitations has not expired on this debt, if applicable, including the date the debt was incurred and the last date of activity.

8. Any documentation or correspondence that demonstrates that my client is the correct debtor for this account.

Additionally, please be advised that under the FDCPA, you are required to cease any further collection efforts until this debt has been properly validated. Furthermore, should you fail to provide the requested documentation within 30 days of receipt of this letter, you are required to cease any collection activities, including reporting this alleged debt to credit bureaus.

If you are unable to provide adequate validation of the debt, I trust you will immediately remove any references to this debt from my clients credit report and cease further collection attempts.

This letter is being sent to you in accordance with my rights under the FDCPA, and failure to respond to this request could result in legal action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the appropriate state agencies.

Please send the requested documentation to the address listed above. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, we were affected by the hurricane and offered disaster relief assistance from XXXX ( mortgage company ). We did not have to make a payment XXXX XXXX & XX/XX/XXXX. We were given the option to modify or accept a forbearance. In the process of modifying the account was transferred to XXXX XXXX. It took almost a year to rectify this issue because XXXX did not have us classified as being under a program so our loan was considered delinquent. After several complaints and the assistance of FHA/HUD. We were able to rectify the situation. We were advised no late fees would be assessed and our credit would reflect affected by disaster/current. In XX/XX/XXXX when the partial modification was completed, I had to request an update to the credit bureau because the loan was showing 90 days delinquent. It was updated to current. Then in XX/XX/XXXX, freedom mortgage reported the account 129-160 days delinquent. We have already established that the account was never delinquent but under a disaster program. I am currently trying to refinance and I can not because they keep reporting the account as negative. They updated it to current but was over 90 days delinquent. This has prevented me from getting a line of credit and the interest rate on the refinance is higher. I need XXXX to advise XXXX XXXX that no fees should have been assessed on the missed payments, I need XXXX XXXX to waive the late fees that were added, correct my credit report to show CURRENT PAYS ON TIME NEVER LATE and to adjust the balance of the partial modification. I have asked several times for a supervisor and I have never received a call back!
Product: Debt collection

I have several medical bills that have been sent to a debt collector that are being processed by my insurance. I have called my insurance companies about the bills. They have agreed to reprocess these bills to be paid through my insurance. I called the collection agency about this, and they told me to call the original creditor. I spoke with them about removing these bills and they informed me that they CAN'T and WON'T remove them from my credit reports. The name of the company is called XXXX XXXX XXXX XXXX. The date of services are XX/XX/XXXX for {$600.00}, XX/XX/XXXX for {$600.00}, XX/XX/XXXX for {$440.00}, XX/XX/XXXX for {$1200.00} and XX/XX/XXXX for {$810.00}. Each of these bills have been sent to CMRE Financial services inc a debt collector. But according to FCRA states that these accounts be removed from my credit report during this process.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX/XXXX/2016 URGENT!!!!!!! 

THIS CALL NEEDS TO GO TO YOUR COSTOMER SERVICE DAPARTMENT!!!!!!! 

XXXX XXXX CHAPTER XXXX MUST BE REMOVED PER THE ORDER SEE ALL DOCS LAWSUIT FOR HAS BEEN FILED AND APPROVED YOU MUST COMPLY WITH ORDER SEE ALL DOCS READ PAGEXXXX OF DOCS COSTOMER SERVERICE HAS NOT CALLED ME BACK YET!!!!!!! 
YOU CAN REACH ME AT XXXX OFFICE OR XXXX CELL
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported accounts on my report that were fraudulent. XXXX, XXXX and transunion failed to removed accounts after being provided proof that the accounts did not belong to me.
Product: Debt collection

Ability recovery is trying to collect {$530.00} from me for ash worth college for a bill they stated I owe. I have written a letter to verify the debt and it was removed from the credit reporting agencies from and now has come back. When I originally wrote the letter I requested them to comply with the fair debt collection practices act and fair credit reporting act:1 ) providing me a contract or bill with my signature on it as follows : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been disputing XXXX, EQUIFAX, AND XXXX about these inaccurate and incomplete items they are reporting on my credit report and have not deleted nor sent me documents verifying the validity of the alleged debt. I have usps certified mail tracking numbers for all letters with no response. please see the attachment below
Product: Debt collection

This company has a judgement against me and is trying to sue me for an almost 7 years old debt I co-signed for back in XXXX of 2013. I was only XXXX at the time the I cosigned for the apartment which means the contract could be bad and I do not think this company even followed the right proceedings to obtain a judgement against me or if any of the right required elements to obtain a judgement against me particularly by default were followed or even fulfilled. I am also not sure if the lawyer, the one who sent the letter followed the appropriate laws in particular the FDCPA and this debt collection company as well.
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 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting

I submitted multiple request to Trans Union to remove several inquires on my credit report which were not mine. At first they refused saying it was my responsibility. I then showed them Federal Law sating it was their. They never responded. I then filed a complaint with the FCPB, and they removed one inquire but not the others, and provided not explanation why they did not. The ONLY credit I have applied for was XXXX XXXX through XXXX XXXX. There are other inquires such as XXXX XXXX which is not mine. I have not applied for a student loan in decades. I continue to get notices that an inquiry has appeared on my credit report. I have said I suspect fraud. TransUnion has ignored it. Please remove ALL inquires from my credit report except the XXXX XXXX/XXXX/XXXX or provide documentation that I authorized them. TransUnion File Number XXXX date of issue XXXX/XXXX/XXXX
Product: Mortgage

Garden State Home Loans are committing fraud under the XXXX XXXX XXXX, by going forward with loans that you never signed for. I have a document from XXXX XXXX where he admits I never signed my final CD and he's trying to hold me beholden to it under a small TRID guideline, even though I did not want to move forward with the loan. Garden State is predatory and they refused to let the work they did on my loan go to waste, so they punished me. These type of actions are scary and companies that move with impunity like this are hurtful and harmful. Garden State knows I did not sign the CD to go to closing but are hiding that in a small paragraph at the end. They're a predatory company. 

What the company failed to mention is that the rate offered only came because I was having to buy points, or put down more money ( see XXXX  ), and those weren't terms I was willing to agree with or I would have signed a contract.

Their closing disclosure was also including debt that I already paid and had sent off to Garden State, they were luckily enough to include their email chains for me. 

The new CD included an additional {$300.00} to pay down the interest rate, these completely changed any and all terms of any agreement. I never signed another agreement after that, and in the mortgage world calling people guardian angels could mean you saw them shine their shoes with XXXX. There's a reason we require contracts, and the CFPB should hold you to that. He admits that I mentioned fear over the closing cost, and then DID not sign the closing disclosure. Yet he still went forward with it, this is a violation. 

As you can see they have my XXXX wrong, they were including debts already paid, and all together it wasn't a true document. 

And as XXXX XXXX said to me " Moving on '' when I brought up issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX sent a letter to my lender that there is no account. I mailed that letter to Experian in an effort to have my credit file updated accurately. 
Experian did not remove the creditor from my credit file. 
Please remove creditor from my credit file.
Product: Mortgage

I submitted an online bill payment to Ditech for a mortgage payment on XX/XX/XXXX and confirmed with my bank ( XXXX XXXX XXXX ) that the payment was mailed XX/XX/XXXX. I was advised by a Ditech rep XX/XX/XXXX that payments are backdated based on when payment was postdated, which I learned later may be incorrect. Ditech posted my XX/XX/XXXX payment on XX/XX/XXXX and reported 30-day late with all XXXX major credit bureaus. I called Ditech XX/XX/XXXX and they advised me they would escalate my customer service issue to a supervisor named XXXX XXXX so they can review recorded calls substantiating how I was misadvised on payment processing/posting times. I did not receive a call or any correspondence from Ditech so I conducted a conference call between my bank & Ditech to resolve payment issue on XX/XX/XXXX. I spoke to XXXX XXXX at Ditech and she was very dismissive of my request and became very agitated indicating there was no wrongdoing on their end in regards to posting 30-day late. I simply asked how they verify when a mailed payment was received and she gave me XXXX inconsistent responses. The first response indicated a Ditech employee stamps the payment with a date of receipt while later during the call, she indicated that I should call the XXXX post office because they stamp when it was rec 'd. Understanding that the call would not result in a resolution, I ended the call respectfully. I was wrongfully treated as a customer who habitually makes derogatory payments. I work in the mortgage industry and understand the importance of making timely payments. I have not had any 30-day late payments since XX/XX/XXXX, which is testament to my character and willingness to pay-as-agreed but Ditech thought otherwise and was unwilling to further investigate why the payment was processed a week after it was sent out when my previous 6 payments were made thru the same system but was posted within 1-2 days of when it was mailed. Please contact me so I can provide more details and provide documentation to support my claim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX acct # XXXX. XXXX  XXXX acct # XXXX, XXXX XXXXXXXX acct # XXXX. US Dept. of Education acct # XXXX. Are all in violations of 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Privacy Act of 1974. 
They are also marked as charged offs and charge offs are considered income and income can not be reported to consumer reports.
Product: Credit reporting or other personal consumer reports

I called XXXX as well as XXXX to dispute a number of hard enquiries that I did not authorize and have no knowledge of. I was told on two seperate occasions that the enquries would be removed and that I would receive email notification of the deletions. Nothing has happened as of yet. I informed them both that I was actually in XXXX  at the time of most of these enquiries. I recently lost all personal documents in a house fire, so exact dates of these calls can not be given.
Product: Payday loan, title loan, personal loan, or advance loan

on XX/XX/year> I was approved for a title loan for {$1200.00}. I was told that if I gave my first scheduled payment of {$350.00} before the XX/XX/year> I would be given credit towards the loan. But on XX/XX/year> when I went in to give that payment i was told that the payment wouldn't be credited because the payment was late. They told me that if I went online and gave an excellent review that {$60.00} would be credited towards the loan. But as the attached documents show not only was I not credited the {$60.00} but my cash payment of {$250.00} wasn't credited either. As the attached documents show there's XXXX different remaining balances of {$2800.00} and {$2500.00}. I been there on XXXX different occasions to attempt a reasonable explanation but have been deceived and lied to. I humbly request your assistance because such deception and misinformation is not right.
Product: Debt collection

Repeated calls to a number that is not mine, and I have asked them to remove the number from the file. I offered a different number that they could call daily if needed. This company rep stated on voice mails that " A file with your social security number attached is in our office. If you do not contact us you will no longer be allowed to use your bank. '' Also they threatened legal action. When I mentioned that I was going to file a complaint, they said they would no longer give me any written documentation and that they would see me in court. I offered to make a payment plan, but was told that would cost an additional {$5.00} in " processing fees '' per month.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U. S. C. 1681c-2 ) that you, The EQUIFAX reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card account opened at XXXX XXXX card on XX/XX/XXXX, and under account number XXXX, XXXX XXXX card account number XXXX, XXXX XXXX XXXX collection account XXXX XX/XX/XXXX, XXXX XXXX  XXXX personal loan account number XXXX opened XX/XX/XXXX. These accounts have resulted in several hard inquiries and fraudulent collections and charge-offs appearing on my FICO consumer credit report. The aforementioned accounts, collections, charge offs, appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, charge offs, are a result of identity theft and fraud. I have attached a copy of my FTC identity theft report complaint # XXXX as proof of the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, charge offs, are the result of identity theft and fraud.
Product: Credit card or prepaid card

I called the customer service phone number and they say my account has a restriction that is causing a problem.i have completed the request documents and I still have a blocked account witch is preventing me from obtaining a new card sent to my new address .they deactivated my old card then told me they couldn't issues another one until my restriction has become removed.its been a week since I sent the documents and still nothing. I called XXXX XXXX XXXX and was told to submit a XXXX .I submited the documents and they still have my account on block with the restriction
Product: Credit reporting, credit repair services, or other personal consumer reports

Factual Data a mortgage reporter made an inquiry on my credit report. i did not authorize this inquiry. please remove it.
Product: Debt collection

Debt company is reporting inaccurate my debt is paid per obligation of the united states. CFR and USC laws that will not be mentioned declares this.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS XXXX XXXX! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! I ALSO FILED A COMPLAINT ON XX/XX/2021 COMPLIANT # XXXX. I AM NOT SURE WHY YOU HAVE STATED I AM NOT WHO I SAY I AM AND THAT I HAVE AN AUTHORIZED THIRD PARTY WORKING ON MY BEHALF. 

AGAIN, I AM XXXX XXXX THE NATURAL PERSON SUBMITTING THIS ON MY OWN BEHALF. I AM AWARE THIS IS A STALL TACTIC BEING USED TO PREVENT YOU ( XXXX, EQUIFAX & XXXX  ) FROM DOING YOUR JOB! I WILL BE USING ALL RESPONSES AND COMMUNICATION REGARDING THE MATTER AS ADMISSIBLE EVIDENCE IN ANY MATTER REGARDING THESE ACCOUNTS. 

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. As of today I have not received a response yet. I feel I'm being taken advantage of and being ignored in regard to my disputes. As I stated before this has been an ongoing struggle for almost 1 year with trying to get the bureaus ( XXXX, EQUIFAX & XXXX  ) to investigate the inaccurate and unknown items on my credit report even after I have sent validating information to support my dispute. I never gave you ( XXXX, EQUIFAX & XXXX  ) authorization to add anything on my report nor did I give any creditor authorization to give ( XXXX, EQUIFAX & XXXX  ) anything to add to my credit report and I want these items removed immediately! These are illegal and unlawful accounts on my credit report, I already sent all my identification needed for authorization. 

I demand these accounts be removed immediately for violation of my right to privacy Fair Credit Reporting Act 15 United States Code 1681b ( 2 ) and you did not have have permissible purpose to furnish this information on my consumer report ; and violation for Fair Credit Reporting Act 15 United States Code 1681i Procedure in case of disputed accuracy ; If this is not removed immediately I will file for litigation due to the stress you have caused me and contact Attorney General office to make a Compliant, as well as Federal Trade Commission and the XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 they are suppose to 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