23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

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: Credit reporting or other personal consumer reports

I asked all three Bureaus to make sure these accounts were accurate and complete. When the investigation ended, my accounts came back verified. However, there are still many discrepancies between each report and inaccurate information. If they investigated the account the information should reflect so across the board, and this violates my consumer rights to an accurate and complete credit report. I attached screenshots of the accounts. Please delete the following accounts : XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX : Account # XXXX
Product: Credit reporting

I have a debt on my credit report with XXXX Mortgage, which is past due over 180 days. This is the ONLY negative on my credit report. the item has been disputed on complaint # XXXX as I filed chapter XXXX bankruptcy in 2003 and all debts were included in that. My additional problem is this same debt was under the name of XXXX Mortgage last year and removed, XXXX XXXX the year before and removed, XXXX the year before and removed and so on. When this debt is deemed uncollectible by the debt collector and this info is disseminated back to the loan holder, it is then sold to someone else for collection the next year. This has hurt my credit terribly cost me money in points and higher interest rates, and wasted my time and other, plus being a fraudulent practice on the part of the creditor, the reporting agencies and the collectors.
Product: Mortgage

While applying for a mortgage with Wells Fargo we had a home appraisal done the appraisal went through but we did not fund the loan with Wells Fargo we chose to go with a different lender one that lender contacted Wells Fargo to obtain a copy of the home appraisal they refused to give out the appraisal invoice and the XXXX report they said was never generated and at the XXXX documents were internal documents and they would not provide him without the XXXX documents the appraisal invoice and the XXXX report we are unable to use the home appraisal that we paid for Wells Fargo advise us that they would not provide that information that they did not have to share the information even though I paid for the appraisal that they were unable to give it out that it was an internal document and if I had a grievance with it I could take them to court to recover the costs they did provide a copy of the appraisal after repeated inquiries by myself and the new mortgage company and multiple attempts to send out partial information to drag their feet in attempt to lapse the time so that the appraisal would not be able to be used by the new company causing me to pay for another appraisal when asked for a copy of the invoice I was advised that they would not provide it my credit card company only shows a charge to Wells Fargo in the amount of the appraisal no other information was provided when I called and asked Wells Fargo for a copy detailing exactly what was paid for the amounts and dates for tax purposes they refused to give this information stating that it was an internal document and they would not provide it I advised him that I felt that I paid for this information it involves me directly and that I should be entitled to receive this information I was also advised by my mortgage company that they do provide the information willfully to other lenders when asking Wells Fargo about this information they stated that they choose not to participate in this and that all of their information is held private they would not provide it and they do not have to provide any of that information
Product: Credit card

Ive had a Best Buy credit card for about 8 years. It is currently handled by Citibank. In XXXX, XXXX, I noticed I had a " late fee. '' I have an XXXX credit score and have never been late, so I called Citibank. They stated the payment had not been made until after the first of the month, which was NOT true. I told them the payment had been made on XXXX XXXX, and they ended up reversing the fee. Then, in early XXXX, I noticed the SAME thing happened AGAIN in XXXX, XXXX, XXXX, and XXXX. I immediately called Citibank to find out what was going on. The reps, most of who were overseas, were EXTREMELY rude and told me, " Your payments were late. '' They tried to tell me they could look at their system in " real time and see I made these payments on the XXXX, XXXX, or even later. This was NOT true!! I always submit my payments on the last ( or next-to-last ) day of the month, when my paycheck goes in. I do NOT know why they are saying my payments arent being made until after the XXXX. That is 100 % incorrect. ( I didnt earn an XXXX credit score by making payments late. ) It appears to me that Citibank is saying I am making my payments after the first ( and claiming that their system captures this information ) so that they can charge late fees. My mortgage, which is also due on the first, is paid the SAME day my Best Buy credit card is paid, and it has NEVER shown late.
Product: Debt collection

According to the tax law, a 1099 must be five to discharged that by the company involved Pentagon federal credit union did not send me a 1099 form Pentagon federal credit Union sold my debt to a debt collector without notifying me that collector does not have a contract with me to buy such an agreement an investigation to determine the legitimacy of the purchase without a contract.. The actual amount can not be correct if they file a 1099 they can not be paid twice. The government can not compensate them for their loss and they sold my account to a credit collector without a contract from myself for the full billing. This is an illegal.
Product: Payday loan, title loan, or personal loan

I went into the store on XX/XX/XXXX to sign the papers to obtain a personal loan. I was told by the rep that they include certain products with every loan and was not told it was an additional cost but rather included with the loan. Upon reviewing my paperwork later, I determined this was false and a blatant violation of the XXXX. I contacted the store immediately and asked to cancel all products associated with the loan. I was told I was unable to cancel the personal property insurance despite the contract stating otherwise and despite the fact that my renters insurance covers my personal property. The next day ( today, XX/XX/XXXX ) I received a survey in my email from their corporate office. The very last question was in regards to their personal property insurance and asked if Id been informed that my homeowners insurance or renters insurance was sufficient. Not only had I not been informed it was, I was again blatantly lied to and told that it was not sufficient without the branch even reviewing my renters insurance policy. This store misled myself and likely countless others multiple times to pad their own pockets- as I understand it, the employees at the branch receive a commission for the products that they sell. If they are doing this by telling customers its included and not explaining that its optional, they are violating the law, causing financial hardship for many, and dont seem to mind continuously lying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX  XXXX XXXX Balance : {$23.00} XXXX  XXXX XXXX XXXX : {$25.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00}.
Product: Checking or savings account

XXXX I wrote a check # XXXX to XXXX XXXX XXXX for {$32.00} from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX account. 

XXXX XXXX XXXX XXXX  received a notice stating that the check had been returned unpaid because of a Warranty Breach. XXXX XXXX XXXX was charged a Return item fee of {$12.00}. Attachment 1 ( 3 pages ) XXXX I learned of the problem and wrote a replacement check # XXXX to XXXX XXXX XXXX. Attachment 2 XXXX I talked to XXXX  about the problem. They showed me that the check was never presented to XXXX, it was not bounced by XXXX, there were plenty of funds available. No one at XXXX  had ever heard of a warranty breach. My contact at XXXX was XXXX in the XXXX  MA branch. XXXX. I can provide proof of adequate funds if needed. 

XXXX Went to Bank of America at XXXX XXXX XXXX, XXXX MA. Spoke to XXXX XXXX. She did not know what a warranty breach was, and she was not willing to ask anyone else because I am not a Bank of America client, even though it was my reputation the warranty breach affected. Contact information on Attachment 1, page 3. 

XXXX XXXX  cashed the replacement check I wrote to XXXX XXXX XXXX # XXXX. Note there is no difference between check # XXXX and # XXXX.
Product: Credit reporting or other personal consumer reports

XXXX and trans Union has share my report even though I have it frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I created an Equifax online profile on XXXX XXXX so that I can view my credit report and scores at my leisure. After I completed it, I wasn't able to see able to see my scores. It kept saying not available or that I didn't have any existing credit. I immediately called Equifax and the representative assured me to give the system some time to update which I patiently did. After a while, I checked again and my score still said unavailable. I searched around my profile and realize they had me down as XXXX XXXX which is NOT my name. So I started to realize my score was unavailable because they had another person 's name mixed in with my information. I called Equifax back to let them know what was going on. They were absolutely rude and demanded me to submit a copy of my ssn and state ID to verify who I was. I though it was absolutely ridiculous being that one can't create an online profile unless they have this information. However, I complied anyway and submitted with a dispute so they can fix whatever issue they created with my information and this individual 's name. They assured me the problem would be taken care of. XX/XX/XXXX, I received an email stating my dispute was completed. I signed back into my online Equifax account and to my surprise NOTHING had been fixed. I was still in there as XXXX XXXX and again a credit score would not generate. I called Equifax once again and they assured me the problem was fixed. Here we are in XXXX and I'm in the process of purchasing a home. Several lenders requested my credit reports from all agencies and 1 lender told me that Equifax didn't give any information and reported me as fraudulent. Can you imagine the pain I was in? The embarrassment and anger I felt? I called yesterday XX/XX/XXXX, and waited for almost 2 hours to speak with the appropriate representative and no one came to the line. Today, XX/XX/XXXX, I finally spoke with someone who again demanded I submit my personal documents such as my ssn and ID again. I told him I did this 2 months ago and I don't feel comfortable having to continuously keep sending copies of my personal information. After going back and forth, he finally found my documents that I previously sent. Then he put me on hold and came back and said everything is taken care of. I asked him to send me some sort of proof because I/m not going through this again with them. I also logged into my online account and my credit score still wouldn't generate. I told the representative and he ended up just hanging up on me. The representatives have been rude and extremely unprofessional. They are playing with my life and them mixing up my information with someone else 's can have plenty harm on me now and in my future things that I'm trying to attain. At this point, I don't know where to turn to because this is inappropriate. If this isn't taken care of, I'm bringing a suit against Equifax.
Product: Checking or savings account

My account was closed & before it was closed they charged me to use my account by taking a monthly fee.
Product: Checking or savings account

On XX/XX/2020 I filed a claim ( # XXXX ) with Wells Fargo due to my car had gotten broken into and my purse with my personal belongings had gotten stolen. Therefore my secure information had been compromised, my license, ssn, debit card and most importantly my cell phone. My cell phone did not have a secure PIN number which therefore compromised my information in my cell phone that included my personal online banking information, my passwords and usernames to other institutions as well. I filed my dispute with Wells Fargo because when I had finally logged into my email later that day I had noticed they were sending me alerts and receipts that someone was logging into my account and was also withdrawing money from my account. As I begun to shut my card on and off, the thief was turning on my card on their end. When I was able to use someone else 's phone due to mine being stolen I had called Wells Fargo and they had shut down my online banking as well as my debit card. By this time the thief had already withdrawn {$1200.00} total from my account. I continued to dispute these charges with Wells Fargo who would not give me a credit and had told me I had to wait 10 days for an investigation. I then called another 10 days later and they had advised me that they found no fraud on my account and they would not return the money. I spoke with a representative and thoroughly explained that I had never spent that amount of money in 1 day, which they can confirm from my previous transactions. I also had all my information compromised due to my stolen purse, phone and information. The representative agreed and assured me she would give me a credit and that at the end of the investigation this would be resolved. I asked if the department needed my police report or any further information and she confirmed that they did not want or need my documentation. It is now XX/XX/2020 and the {$1200.00} was withdrawn from my account from Wells Fargo. I spoke with 2 representatives and they poorly explained that the department decided this was not fraud and they would not accept my documentation. I also explained to them this was never told to me and that I was assured my money was returned and the claim would be resolved. Because of COVID-19 the random withdrawn amount was careless and I explained that to the WellsFargo representatives. They told me, '' It does not matter what is going on in the world, we can not help you. " They refused my documentation and stated they could not release their own proof of the claim. There poor empathy and thoroughness will never again want me to bank with Wells Fargo again, they are the true thieves.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XX/XX/2024 2nd attempt letter XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Acct # XXXX Dear Sir/Ma'am I recently received a copy of my credit report. 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 XXXX XXXX Cc : CFPD, FTC
Product: Debt collection

This company, XXXX XXXX have collection in my credit file. This is suppose to be from Capital One. I have never had credit card in question. I have ask for any written document that shows my signature but they have failed to provide any evidence. I have filled two identity theft with FTC and have submitted that to them. I have also filled a copy from another company but still they are still have this collection on my file. I have send a copy of my lease indication where I have resided since 2000 and still no respond. My next move is to file action against these company in Small Claims Court. I will mail copies of my lease and some more documents.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The whole month of XXXX I was getting calls from Hunter warfield about a debt of XXXX for something about a apartment complex I rented I never rented a apartment complex so they said they I could possibly do jail time if I dont pay I ask for information they say they sent off I never recieve I ask for original creditor and the their right to be collecting debt or to keep calling me they hung up
Product: Mortgage

I am writing to demand the immediate termination of escrow management for my account and the refund of all remaining escrow funds directly to me. My mortgage agreement does not require escrow management, and given the mismanagement of my funds, I will no longer allow XXXX to manage my property taxes or homeowners insurance. 

I have paid {$13000.00} into escrow, yet only {$9700.00} has been disbursed. This leaves a surplus of {$3900.00}, which I demand be refunded to me immediately. A recent correspondence from XXXX anticipates my taxes to be {$9400.00}, which is inaccurate. My actual tax bills for recent years have been significantly lower ( e.g., {$5600.00} in XXXX and {$5400.00} in XXXX ). I require documentation showing how these inflated estimates were calculated. 

I request a complete statement of escrow activity for all years that XXXX has managed my account, including all payments disbursed, and clarification on how any surpluses or shortages were determined. Also, payment to me of all overages
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion was notified by me in reference to some inaccurate accounts on my credit report. I have notified Transunion priority mail that they have failed to validate these accounts. I have asked that these accounts be validated and that I receive copies of the information of proof. There is also a public record ( Tax Lien ) that has been paid and IRS has approved for this be removed from my credit report. I faxed over the form to them that I received from the IRS and to this date they have ignored my request to have this Public Record removed. Accounts also are : XXXX XXXX, XXXX XXXX Acct. # XXXX, XXXX XXXX and XXXX . I would like for TransUnion is remove these inaccurate accounts from my credit report because it is affecting my ability to purchace a home for my children.
Product: Credit reporting or other personal consumer reports

I will also beI provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau XXXX BBB ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : 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

Experian states they have " certified '' that the XXXX  XXXX XXXX  Total Card is mine and that is 100 % false. Never dealt with this company .Experian is in my opinion committing fraud against me and is violating my civil rights. Never been to XXXX Missouri or had any knowledge of this account. This needs to be brought to law enforcement attention and I would like to have criminal action taken against Experian.