23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Request for Original Signed Contract Debt XXXX Name Company Address Account number Your name Dear Debt XXXX Name This letter serves as a formal request for the validation of the alleged debt you claim I owe under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws. Specifically, I am requesting : XXXX. A copy of the original debt agreement containing my wet-ink signature that explicitly outlines the terms of the alleged debt. 

XXXX. Documentation that verifies your legal right to collect this debt, including the chain of custody or sale agreement demonstrating how you acquired my information. 

XXXX. Evidence of my explicit permission for my personal and financial information to be sold or transferred to third parties. 



Without these items, your continued collection efforts are unwarranted and could be considered a violation of my rights under federal law. Furthermore, reselling this debt without my consent could breach consumer protection statutes regarding privacy and data security. 



If you can not provide the requested documentation, you are legally required to : Cease all collection activity immediately, and Permanently delete and cease using any personal information related to this account. 



Failure to comply with this request will result in formal complaints filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state attorney generals office. Additionally, I reserve the right to pursue legal remedies under the FDCPA, including claims for damages and attorney fees. 



I expect a written response within 30 days of your receipt of this letter. Your failure to respond with the required documentation will be taken as evidence of your inability to validate the debt and your noncompliance with federal and state laws. 



Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX TOL Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

1- My monthly mortgage payment for XX/XX/XXXX was {$1200.00}. I sent in a check in the amount of {$1800.00}. As you can clearly see on the check and on my monthly payment coupon I had stated that I wanted an extra {$600.00} to be applied towards the principal payment. Ocwen failed to apply all of the {$600.00} dollars towards the principal and only applied XXXX towards the principal. XXXX not sure where the other {$19.00} XXXX was applied to? 
2- My monthly mortgage payment for XX/XX/XXXX was {$1200.00}. I sent in a check in the amount of XXXX. As you can clearly see on the check and on my monthly payment coupon I had stated that I wanted an extra {$650.00} to be applied towards the principal payment. Ocwen failed to apply all of the {$650.00} dollars towards the principal and only applied {$620.00} towards the principal. XXXX not sure where the other {$22.00} XXXX was applied to? I have tried to resolve this and many other issues with my so called relationship manager XXXX XXXX, I have talked to her a couple times on the phone but every time we have talked she says that she is unable to pull up my account on her end. She had requested that I fax her some of my payment coupons and that she would be able to get everything taken care of. After I did she has never returned any of my calls or e-mails.
Product: Mortgage

My loan went into forclosure due to an issue with a divorce. Once I got that out of the way I filed for bankruptcy and put the house on the market for sale. I got a full price offer within 15 days and went to set up closing on XXXX XXXX, 2016. My title company requested closing documents from Planet Home Lending ( my mortgage company ) on XXXX XXXX. When we got to XXXX XXXX, and had not received closing docs we called Planet home Lending who said they see they received the request but ca n't find it. Please resubmit. So we changed closing to the XXXX of XXXX and resent request. We never heard back again so on the XXXX we called and they said we would have in the morning before my title company got in the office. We are calling and emailing everyday at this point but only being able to speak with customer service and they would not let us speak with the closing docs dept. so long story short we have had to cancel closing 4 times. We are set for closing now on XXXX XXXX but seems like we are not going to get closing docs. I have had to allow buyers to move in home with free rent for almost a month now and I have had to pay electric and water to not get them to pull out of sale. They said if we do n't close XXXX XXXX which will be the XXXX time we have cancelled closing due to not having closing docs. So I have had to get charged for an extra month of mortgage, extra month of penalties and fees and the rent, electric and Water and now I may lose the entire sale. I feel because I have so much equity in the home that they are trying to sabotage the sale of the home so they can foreclose and repossess the home. I was told there was a law that gave mortgage company 7 days to give pay off. We have been waiting almost XXXX now with no end in sight. Please help! 

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

On XX/XX/2020, I've sent ( via USPS ) a certified letter to all 3 credit bureaus regarding a derogatory mark on my credit report. I'am exercising my right under ; Debt Validation pursuant the Fair Credit Reporting Act, 609 - Disclosure to consumer [ 15 U.S.C. 1681g ] and 611 - Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ... ...

Im challenging the validity of this negative mark is due to the fact that I do not acknowledge the amount reported of {$2300.00} and it's solely an attempt to collect a wrongful amount. Also, I requested proof of ownership from the collection agency of this account for which they had failed to grant me this legal right as the consumer. Upon reinvestigation of my credit file, it never did remedy the error in question.

PLEASE NOTE : This is the type of request I wrote. However, the responses to my credit report investigation was very unsatisfactory as it did not seem to uphold any legalities base on the FCRA rules and guidelines.. PLEASE ASSIST and REINVESTIGATE..

Thank you very much,
Product: Credit reporting or other personal consumer reports

I have satisfied this debt through debt collection company XXXX, but it Is still showing a {$450.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX  XXXX XXXX OH  XXXX. 
My DOB:XXXX my SS:XXXX XXXX XXXX XXXX is my only address please remove any other addresses from my credit report they are not accurate. I have a Late payment that is appearing on my account that is not accurate. I have never been late on any of my accounts. Not sure but I have also contacted XXXX XXXX to see about the issue as well My current and only employer is XXXX XXXX XXXX XXXX XXXX please remove any other employer.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. The XXXX Credit Bureau is reporting inaccurate information on CREDIT COLLECTION SERV. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit card or prepaid card

I bought a my vanilla prepaid Visa card at the XXXX  XXXX. I added {$80.00} to the card at the XXXX  XXXX  register when I bought the card. When I tried to register the the card online it wouldn't let my information go through and wouldnt activate my card it gave me I error message in red at the top of the screen saying to contact customer support. When I called the number that was provided for customer support it said they are experiencing extreme call wait times and I was placed on hold for over a hour. I have tried several times to call them back and they still havent answered their customer care line. I am extremely upset at this company for not allowing me to activate my card. The card is distributed and serviced by InComm Financial Services , Inc. And the phone number for then customer care center is XXXX
Product: Credit card

Kohl 's will not fix a chain reaction issues that started with their site failing to work with XXXX XXXX. I have spent hours on the phone with Kohl 's and a woman named XXXX at the Kohl 's Headquarters gave me a number that can not be reached XXXX and the Receptionist confirmed the number correct and issues with calls going through. I have left messages and even emailed the board of Directors. I am getting charges each month and Kohl 's told me that I am in Kohl 's collection Department despite the fact I have never paid late. Kohl 's Promised to fix this and gave the director number to XXXX which I explained and will not resovled the issue.
Product: Debt collection

Contacted Americollect on XX/XX/2015 via certified mail requesting the information on the alleged debt. Americollect responded back on XX/XX/2015 with the information has requested. 

We have continually been making payments on this medical debt for the past year, as the amount of the original debt was too much for us to pay all at one time. Americollect has reported this medical debt on both my wife 's and my credit report and I have asked them to remove it, as payments are continually being made, and they refused. In addition, they have multiple negative reports on each of our credit reports for the same single debt. I 've asked them to consolidate this to one report on only one of our credit reports for the corrected amount and they 've refused to do that also. We are making payments on this medical debt and anticipate having it paid off prior to the end of this year, but Americollect needs to report only one amount on one individuals credit report, not multiple amounts across each of our credit reports. 

We just want this multitude of unnecessary information removed from our credit report as soon as possible. Any assistance would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

AES/XXXX  is reporting that I opened a student loan with them in XXXX and XXXX however I never signed a master promissory note with this service provider. My original loan was with XXXX XXXX and XXXX not understanding how this would be accurately reported for these years by AES/XXXX. I was never supplied with any loans from AES/XXXX. Please request that they send their promissory note with my signature to verify this is actually a loan that I signed for with them. If there is no promissory note between myself for the dates reported by aes/XXXX  then I would like my credit report to reflect the accuracy that is within my rights as a consumer.
Product: Debt collection

This complaint is about OneMain Financial ( OMF ) for a presumed violation of the Fair Debt Collection Practices Act ( FDCPA ). There are XXXX stretches of time where they contacted me more than XXXX times in XXXX  days since XX/XX/XXXX. They call me at my cell phone number from their office telephone number. I do make payments to them late but always have and always will catch up. 

While OMF is a financial services company and the original company with whom I owe this debt, the emails they send me and their own website clearly state, " This is an attempt to collect a debt and any information obtained will be used for that purpose, '' hence I identify them as debt XXXX in this scenario. 

The dates and times of the calls are XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX for a total of XXXX in 7 days. This presumed violation also occurred XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on, XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX for a total of XXXX in XXXX days. Additionally, this presumed violation occurred XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX for a total of XXXX in XXXX  days.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate and fraudulent information listed on my credit report. For far too long, I have been trying to resolve this matter, but my concerns have been ignored, leaving my financial reputation in jeopardy. This negligence is unacceptable and must be addressed immediately.

The accounts in question were placed on my report as a result of fraudulent or misleading actions. I have never had any relationship with the company responsible for these accounts or the original creditor. Furthermore, I was XXXX XXXX XXXX XXXX  and was only XXXX  within the last six months. It is impossible for me to have opened or managed these accounts during that time.

These accounts are a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that credit bureaus ensure the accuracy and validity of the information they report. Your failure to investigate and resolve this matter in a timely manner constitutes a breach of this legal obligation.

I demand that you immediately : Conduct a thorough investigation into these fraudulent accounts.

Remove all false information related to these accounts from my credit report. Provide me with written confirmation of these actions, along with an updated copy of my credit report.

This matter requires your immediate attention. Should you fail to resolve this issue promptly, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities, as well as pursuing legal action to protect my rights.

I expect a resolution within 30 days, as mandated by the FCRA. Please direct all correspondence regarding this matter to me.

I trust you will take this situation seriously and act accordingly. 


XXXX XXXX Account number XXXX A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion on XX/XX/XXXX and they refused to grant me access to my credit report, they claimed that my account was accessed by another person other than I on XXXX. 

They said my online account will be banned for life. 

Both XXXX and XXXX have NEVER showed any unauthorized access on my account. 

Please advice. 

Thanks.
Product: Money transfer, virtual currency, or money service

I was locked out of my account and after I sent an email asking for a supervisor to help me get back into my account and telling coinbase that I'm not the one who locked it they did to please unlock it and they sent me an email saying your account is unlocked and it was but I couldn't send money or I couldn't trade cryptocurrency then after getting back into the chat they verify that I had sent all required documents on XX/XX/XXXX and apologize for the mishaps and said that they would just give them a few days to unlock my account and I would receive an email but I haven't received any emails and when I inquired and maybe I got upset they locked me out my account again and now I can't do anything I can't see my money I can't they're scamming me I need some help
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Product: Student loan

My loans had been paid off since XXXX and when student loan refund talks began I requested my refund from my provider totaling {$9900.00} which is what my account should now reflect as what I owe. The balance they have reflecting is incorrect, the attached documents I sent them on XX/XX/XXXX show the checks and proof of what was sent to me as a refund and what was cashed on my behalf that totaled {$9900.00}. 

When I try to look at my balance history it no longer exists and XXXX XXXX as a loan provider deleted and got rid of all previous payment history and prior balances on the account for me to view. I am aware that requesting a refund readjusts my total debt on my account but being that I had paid off all loans, meaning my account was at {$0.00} and my total refunds were for {$9900.00}, my account should be reflecting as such. In other words, my account should reflect a balance of {$9900.00} and not $ XXXX that it currently reflects. 

I keep getting told it won't be fixed until the transfer is complete but it has been more than 6 months in the state of " transferring ''. At one point my account showed the correct balance of {$9900.00} but that is no longer the case as it shows a balance of $ XXXX. I am also unable to create a new account as mentioned in the email and website and when I finally did it over the phone it only worked once and now gives me an error page every time I try to log in. Repayment will initiate soon and it seems like this wont be done until after that.
Product: Debt collection

I received a collection letter from Transworld systems I never herd of this company. They are stating that I owe {$1000.00} in XXXX XXXX tunnels tickets. This is untrue., This company has not shown me any tickets or passing. I always pay my tolls cash if I did not have an active easy pass I paid over 200 XXXX XXXX  money in XX/XX/2018. This company has found some time of balance with someone and charge me with it. I do have or presumed to have had a balance with XXXX XXXX for {$40.00}. 

I demand this be discarded and this accusation be dismissed I do also believe this company should be fined for false documentation. 

This collection agency is a fraud persone who to contacty XXXX XXXX XXXX This company has a charge repeated over 22 times and they have no lic plate # I did not have a car during this time where did this come from what state and how where this is not true what car what year!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/XXXX for {$1000.00} A bill payment from XXXX XXXX paid Chase Credit Card by mistake and the bank XXXX XXXX allowed the payment to be sent a second time on XX/XX/XXXX for the same amount {$1000.00}. I've been trying every since to get my money back to this company account for XXXX XXXX. Each time I send them documentation they keep saying they need more. I've sent them everything they've asked for and today I lost it on them. I'm getting in to XXXX pay months and this is still not resolved and my money has not been returned. I have and show the credit on my Chase XXXX card and I don't know what else I can do. They've been sent my bank statement showing the duplicate payment, a voided check of the account it came out of. A report from the bank showing the Bill payments that occured and the account it came out of and a letter from the bank of the errors of the duplicate payment. When this gets resolved I'll be cancelling this credit card, this has done me in with them not willing to correct this. It's to the point of fraud in my opinion.
Product: Credit reporting or other personal consumer reports

I recently did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer report agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 report 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 reinvestigation ; and ( ii ) promptly notify the furnish sure of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately ; XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am receiving phone calls from a company that shows up on the caller ID as XXXX XXXX. The phone number is XXXX. They called on XX/XX/17. Unfortunately, my caller ID doesnt go back far enough to see the other dates. I get calls these very frequently and would like for it to stop. I have asked them on numerous occasions to take me off of the call list and to leave me alone. The last time, I asked the representative if she understood that a fine could be leveled against the company for calling someone on the do not call list and she hung up on me. I get several calls in a day from telemarketing services and I feel that the DNCL and associated laws are not working. Please help correct this issue. Thank you.