23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : DIVERSIFIED ADJUSTMENT Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account number : Your NAME : XXXX XXXX Your address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear DIVERSIFIED ADJUSTMENT I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

XX/XX/year> was a plethora of transactions that I didnt authorize on cashapp first I was to receive a payment of {$750.00} at XXXX XXXX  into my account and I didnt get anything when I disputed I was hit with an error message and shortly an email saying my dispute was denied, before that there was a payment from my account made of {$720.00} at XXXX and I disputed was hit with an error message in the app and later an email saying my dispute was denied, I couldnt appeal or contact any one for more infor I was simply just at a loss, on XX/XX/XXXX I was to receive a payment of {$2000.00} which I did not receive and when disputed the same thing that happened the last 2 times Ive explained happened only this time after I filed for this transaction they decided to close my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, there's 2 inquires that has been fraudulently or mistakenly put on my report. The inquires are XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX  ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below from my credit report. I am a victim of a data breach, and these accounts were not authorized by me. As such, they must be removed in compliance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent 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  Fraudulent Inquiries XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with XXXX mortgage. In XXXX I received a letter AND XXXX statement stating that XXXX  would be my new servicing lender. Instead of paying XXXX with their invoice/statement, I followed instructions and made my first payment to XXXX XXXX. I did not have anything from XXXX at the time, only documents from XXXX. So, when I made my first electronic payment to XXXX, I used my loan number from XXXX and made my first payment. I continued month after month to make my payments with the original XXXX loan number under bill pay. It wasn't until XXXX, when I noticed on my XXXX statement that it showed I was past due. I reached out to XXXX 's message center and was trying to clarify for months that in fact I was not past due, my payment was sent. I finally got a hold of a gentleman ( In XXXX ) who told me that my XXXX payment was missed, when it fact I showed him proof that it wasn't. During this time I was told I didn't have insurance on my home, when in fact I did. My bookkeeper sent them proof via e-mail, messenger and through the insurance portal. Finally, this got cleared up after they tried to force place insurance on my home. Going back and forth with the message center, I decided to reach out to the President of the company because no one could find my first payment. From there, another gentleman responded back. He informed me that as well that my payment was missed and suggested I looked at my statement for that month to see what happened. To my surprise, in the middle of the month, the payment was returned, and without any notification. When I looked at the statement, the payment returned was from a company called XXXX XXXX XXXX. The gentleman told me that XXXX couldn't identify me as the borrower with my XXXX loan number. That immediately put me behind. Since then, XXXX, XXXX, XXXX, and so forth, I have continued to bill pay XXXX  every month using the only loan number I knew, which was XXXX and the payments were accepted to my account. The statement was very complicated to understand, not like XXXX. In XXXX and XXXX, a simple mistake, my bookkeeper shorted 2 months of {$80.00} each by putting the wrong amount. I was not notified about the first payment being incorrect so through bill pay, I made the second payment. Then I was told they didn't know where to put my 2 month payments, so they left them unapplied, which doesn't make sense. If they had applied it, I would have noticed the accidental short pay. Because of this, my credit score has plummeted from the 700s to the 500s. It has impacted my ability to do any type of financing. All this was because they didn't accept my first payment and didn't notify when I made the first mistake on my payment ( for XXXX ). Please review the XXXX monthly statements compared to XXXX 's, which is very difficult to understand. Let me know what else you need further from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, PNC BANK used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. PNC BANK reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Product: Credit reporting or other personal consumer reports

Under the FDCPA, when a consumer disputes a debt ( or requests more information about it ), the debt collector is obligated to provide certain information to validate the debt. This typically includes : A copy of the original written agreement : The creditor or debt collector should provide a copy of the original contract or agreement between the consumer and the creditor. This might be a loan agreement, credit card agreement, or other forms of written contracts. 

Proof of the debt assignment : If the debt has been sold to another creditor or a collection agency, the new creditor must demonstrate its legal right to collect the debt. This often involves providing an assignment, a bill of sale, or a receipt that shows the debt was transferred from the original creditor to the current one. 

If a debt is disputed, and a creditor or collector can not validate it, they are not allowed to report the information to credit bureaus under the FCRA.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Incorrect addresses XXXX - Incorrect XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about CITI Bank ruining my credit for one late payment after I have paid all my bills on time, usually in full, for 18 years. They did not look at all the information that I provided to them before reaching their decision to ruin my credit.
Product: Mortgage

On XX/XX/XXXX XXXX  XXXX XXXX sold my home equity line  loan to XXXX XXXX XXXX. 

I made my XX/XX/XXXX payment to XXXX XXXX XXXX although Specialized Loan Servicing ( " SLS '' ) had started covering the loan. ( Copy of payment confirmation of {$38.00} attached from XXXX XXXX  attached. ) On XX/XX/XXXX received Mortgage Statement from SLS showing payment amount due of {$76.00}. On XX/XX/XXXX payment made to SLS in the amount {$48.00}. ( Copy of payment confirmation of {$48.00} attached from XXXX XXXX  attached. ) On XX/XX/XXXX, received Mortgage Statement from SLS showing payment amount due of {$38.00}. On XX/XX/XXXX payment made to SLS in the amount of {$48.00}. ( Copy of payment confirmation of {$48.00} attached from XXXX XXXX  attached. ) On XX/XX/XXXX, received Mortgage Statement from SLS showing payment amount due of {$28.00}. On XX/XX/XXXX payment made to SLS in the amount of {$48.00}. ( Copy of payment confirmation of {$48.00} attached from XXXX Bank attached. ) On XX/XX/XXXX, received Mortgage Statement from SLS showing payment amount due of {$66.00}. On XX/XX/XXXX payment made to SLS in the amount of {$48.00}. ( Copy of payment confirmation of {$48.00} attached from XXXX XXXX  attached. ) On XX/XX/XXXX, received Mortgage XXXX from SLS showing payment amount due of {$56.00}. On XX/XX/XXXX payment made to SLS in the amount of {$48.00}. ( Copy of payment confirmation of {$48.00} attached from XXXX XXXX   attached. ) Received on XX/XX/XXXX Mortgage Statement from SLS showing payment due for XX/XX/XXXX {$46.00}. 

In each statement received from SLS shows the monthly payment due is {$38.00}. Each statement does not show the additional {$10.00} going towards the principal. 

I have contacted SLS customer service at least three times in regards to these errors and they have told me they were changing their software to reflect the correct information. I contacted them today and they told me that I my next payment would not be due until XX/XX/XXXX. However when I went on line to check payment activities on my account none of my {$48.00} payment are shown, in fact, the payment due on XX/XX/XXXX shows a past due amount of {$36.00} with the total amount due of {$74.00} which includes my monthly payment of {$38.00}. 

I am very frustrated, how do I know if the correct amount of interest paid to SLS will be correct for my Federal Income tax return.
Product: Mortgage

Lender at Finance of America approved a loan for a buyer of my property. Lender inspected property and stated only contingency was putting in a railing before settlement date. Two weeks after the inspection and three weeks prior to settlement the lender determined the buyer 's credit was not suitable for the loan. Loan officer - NMLS # XXXX had mis-represented the buyer and lied to the seller. Credit history had not changed since the sale agreement. The loan officer should not have approved the mortage at the time the sale agreement was signed. Several real estate agents stated the lender did not understand the Mortage process and was the worst loan office they have ever dealt with in their 20 years in the Real Estate business. Loan office should not have a license.
Product: Credit reporting or other personal consumer reports

account.

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 1881. 

Accounts XXXX XXXX XXXXXXXX XXXX XXXX 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 violated my rights 15 U.S.C 1681 section 802 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. 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Product: Debt collection

I received the following voicemail on XX/XX/XXXX : Attention this message is intended for XXXX XXXX this call is pertaining to case file XXXX my name is XXXX XXXX with XXXX this call is notification that attempts will be made to issue certified legal documents requiring your signature if you will not be available to sign if any changes need to be made to the time date or location of service or for more details contact the issuing firm that's handling your case their contact number is XXXX and make sure to reference your case number one calling failing to contact the issuing firm will result in a failure to appear to be issued in your name it is a time sensitive matter and you have been notified I called the number and XXXX transferred my call upstairs. A gentleman, XXXX XXXX? ) came on phone and told me he is attempting to collect a debt I owe to Toyota Motor XXXX for a vehicle I purchased in XXXX. He told me my social security number and date of birth. 
I asked him why I was just hearing about this alleged debt 23 years after the fact. He informed me Toyota sent me numerous letters that I ignored. He said the majority off attempts to collect were made by phone. I asked him what the make and model was, what address they sent collection letters to and what number did they call. He responded that he wasnt provided this information and he was hired to collect the debt using any means necessary. He said they offered me settlement amounts {$4700.00} ( I dont remember exact ) and it was small fraction of original amount but I chose to ignore them. He has to collect the full amount of $ XXXX now and I will be issued a summons now and failure to appear will be issued. 
I said I have no idea what hes talking about. He said he will see me in court.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate late payments reported on my XXXX XXXX XXXXXXXX account, which contradict the correct payment status. Under the Fair Credit Reporting Act ( 15 USC 1681 et seq. ), information included in consumer reports must be accurate, fair, and verifiable. However, my account is still being falsely reported with late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, despite being correctly classified as Paid or paying as agreed. This misreporting violates 15 USC 1681e ( b ), which requires maximum possible accuracy in consumer reports. Additionally, under 15 USC 1681b ( a ), consumer information may only be included when it serves a legitimate and lawful purposeallowing false and damaging data to remain does not meet this standard. These errors negatively impact my credit standing and financial opportunities, and their continued presence is unacceptable. I demand the immediate removal of these incorrect late payments and expect written confirmation once the necessary corrections have been made, along with an updated copy of my credit report. If this matter is not resolved promptly, I am prepared to escalate further, including pursuing claims under 15 USC 1681n for willful noncompliance and 15 USC 1681o for negligent noncompliance, as well as consulting legal counsel to ensure my rights are fully enforced.
Product: Debt collection

A collection was placed on my credit report by Jefferson Capital for a XXXX account that was opened in XX/XX/XXXX for XXXX. I have not had XXXX in over 8 years account was closed in XXXX and phone was returned. The company asked me to pay {$1.00} for a check of the account and could not tell me exact amount nor the date the account was opened. Reps were very rude and demanded I pay {$1.00} for information. This company is a scam and reported an XXXX XXXX XXXX account for an insane amount.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX account was frozen/money was levied on or around XX/XX/XXXX {$2500.00} and {$120.00} for additional bank fees. 

I went to the court to get information regarding a defaulted judgement and I realized that I was a defendant against XXXX XXXX XXXX XXXX XXXX and had my address as XXXX XXXX XXXX XXXX XXXX, NY XXXX. I did NOT live there and XXXX XXXX XXXX XXXX Unions address is in XXXX XXXX NOT IN XXXX XXXX. 

Page 4 : Proof of Service dated XX/XX/XXXX, XXXX Its very interesting that even the processor knew that I did not live at that addressXXXX XXXX XXXX XXXX XXXX NY XXXX Page 5 : Will show address history with New York Department of Social Services ( WIC ). Client was living at XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX from XX/XX/XXXX to XX/XX/XXXX. 

Page 6 : I filed an Order to Show Cause and stated reason I did not appear in court was because they had the wrong addresses listed XXXX XXXXXXXX and XXXX XXXX XXXX, NY XXXX. 

Page 7 : The Court put the case on the calendar again and gave the date of XX/XX/XXXX at XXXXXXXX XXXX 

I went to Court, and the Court told their counsel and the judge what happened and they ignored the fact that I had been served at the wrong address. They rescheduled for a later date. Judge wants me and Kirschenbaum to settle the case, but I am furious that she had a defaulted judgement against me and they have took my money.
Product: Checking or savings account

I filed a claim involving months XX/XX/XXXX-XX/XX/XXXX mid XXXX XXXX with Wells Fargo due to my checking 's account XXXX and in the middle of a disputes on various transactions. Wells Fargo closes my account. I have not been credited for those transactions I don't know if they closed my account in their interest so they don't have to deal with it, but they were not suppose to have closed my checking 's account. Total amounts of those transactions/claims are/is {$820.00}, current amount I owe them, which I shouldn't owe them nothing, I filed a claim for the total of my stimulus check for XX/XX/2021 total {$1400.00}, two of XXXX XXXX transactions one {$94.00}, {$89.00}, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX . I mailed that information to XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX claims, Wells Fargo Executive Office XXXX XXXX XXXX XXXX XXXX SD XXXX and Wells Fargo Overdraft Collection and Recovery XXXX XXXX XXXX XXXX OR XXXX,
Product: Debt collection

I have been trying to get this sorted with Moneylion since XXXX  they signed me up for some Credit builder loan and an investment account which I didnt authorize and then when I stopped payment with my bank because of unauthorized charges Al of the sudden I have a collections account when I contacted Moneylion they were not helpful I sent them all the information they asked for and they said they would be in touch and then never contacted me again. So when I disputed this again recently I requested the same thing and they again stopped responding. This has ruined my credit and they have no proof and it keeps changing statuses etc. this company is a scam and they are illegally opening accounts without customers knowledge and then refuse to do anything
Product: Debt collection

I am a victim of identity theft under the law 15usc1681 c2.

I did not give my personal information to this company and I did not receive any information within XXXX  days that this was going on my consumer report as stated in the law.
Product: Credit reporting

I have disputed this account with Experian on several occasions as well as filed a complaint being that the account is reported wrong. This account in not included in bankruptcy as it is currently reflecting on my Experian credit file as a negative information. I contacted the company which is XXXX to inquire as to why they are reporting inaccurate information. The company mailed me a letter as to what they are reporting to the credit bureaus. This goes to show that Experian has not correctly investigated my disputes. Attached is a copy of my credit report and a letter from the agency.
Product: Debt collection

The impression Im under is my debt was already handled, if not then so be it. The issue Im having is I gotten calls from a scam number trying to get me to give them my Social Security number with this exact information. Its an old hospital bill I thought I paid thats been sold into debt collection. Somebody from ability recovery services is leaking or mishandling my personal information. ( I placed a screenshot of the scam phone number that called me. Notice it doesnt match the phone numbers for the debt collection company on the letters I received in the mail. )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a collection letter was sent to me by PORTFOLIO RECOVERY and add a derogatory mark on my credit report per XXXX XXXX. Upon Further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of Communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, PORTFOLIO RECOVERY has violated my rights as a consumer and I'm requesting legal action to remove this account legally
Product: Checking or savings account

Wells Fargo demands I own a moble phone to view my online checking account. I don't believe this is legal. Can they legally do this?
Product: Debt collection

Receivable Performance Mangement LLC is trying to collect money, property, etc by using setting up a real estate scam in my name. They first started by buying undeveloped land in XXXX, Washington and then keeping the funds that they stole from my trust account @ XXXX XXXX XXXX XXXX.