23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Sir/Madam, My name is XXXX XXXX XXXX I am writing to address an alleged credit card debt collection associated with my name and account number mentioned above. I believe it's crucial to clarify the legality of this collection process. 

Credit card debts are not negotiable instruments and can not be sold or transferred as such. The sale of this debt as pursued by Portfolio Recovery Associates , LLC raises legal concerns about its validity. 

I kindly request that you provide sufficient documentary evidence demonstrating my legal obligation to pay this debt. If such evidence can not be produced and Portfolio Recovery Associates , LLC continues its collection efforts, I want to make it clear that I will not hesitate to initiate litigation for the actual damages caused. Furthermore, Portfolio Recovery Associates , LLC may be held liable for violations of the Truth in Lending Act ( TILA ), Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), Consumer Financial Protection Act ( CFPA ), the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act, Federal Trade Commission Act ( FTC Act ), and the Racketeer Influenced and Corrupt Organizations ( RICO ) Act. 

I request the following information within 14 days : 1. A detailed breakdown of the alleged debt, including its origin and supporting documents.

2. Proof of the legal transfer of this debt and ownership for collection.

3. A copy of the agreement or contract related to this debt.

Failure to provide this information within the specified timeframe of 14 days will lead me to escalate the matter to regulatory authorities and seek legal counsel. 

Account Number : # XXXX & # XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Wisconsin XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. FDCPA section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 2. 15 U.S. Code 1681n Civil Liability for willful noncompliance XXXX  XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 3. 15 U.S. Code 1692g Validation of debt XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 4. 15 U.S. Code 1692g Validation of debt XXXX  XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 5. FDCPA section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 6. 15 U.S. Code 1692g Validation of debt Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 7. FDCPA section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Wisconsin XXXX Thank You Sincerely yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On or around XX/XX/XXXX of last year, I found a collection on my credit report that listed XXXX as the creditor. I called them and they said the debt was originally for a company called XXXX and directed me to them. I got in contact with XXXX who confirmed that the debt was not mine and they referred me back to XXXX. I contact XXXX numerous times with no success. They can't find anything under my social security number and the debt in question is for someone with a different last name ( The last name is my ex-husband 's name but I never took his name or used it ).  XXXX always promises to delete but they don't. I disputed with XXXX   with no success as XXXX said it was valid. This collection is not mine and it is negatively impacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX incorrect personal information and reported accounts on XXXX Equifax incorrect inquiry 's and multiple incorrect collect accounts. We have checked our system and have made clear that our email and name and address is updated so we need yours updated in Your system.
Product: Mortgage

I have been paying the monthly mortgage on time every month, as per the mortgage origination document. Due to a gap in home insurance, I had to pay an additional {$2100.00} in XX/XX/2022. During that time of mutual communications for proper explanation, the mortgage company added {$95.00} as late fee for every month. Now, they are asking more than {$2300.00} as additional payment to make the account current. Their explanation for this amount is NOT transparent and looks fishy procedures.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : **Creditor/Collection Agency Name : XXXX XXXX XXXXXXXX XXXX*Account Number : XXXX **Amount : $ XXXX **Date of Account : XXXX
Product: Checking or savings account

I opened an account with SoFi on XX/XX/2024 and shortly after set up a direct deposit and transferred {$10000.00} to achieve the high yield savings interest rate. The amount was deposited within XXXX hours. On XX/XX/2024, I contacted customer service regarding questions I had about setting up a direct deposit as my employer was not listed in their pre-set options and the agent informed me that as long as the deposit is made as a direct deposit, it would count towards achieving the promotion they have. I also inquired about having a joint account and if the balance for direct deposit can be a combination from the joint owners or if it needs to be individual. The questions were answered and I was instructed on how to add my husband to the account. I received an email a few hours later saying my account was restricted. When I called the number provided, they were unable to help me determine why the account was frozen/restricted, let me speak to anyone that would be able to help, provide a timeline on when I would get to know the results of the pending review or what violations were made to their terms and conditions and then the customer service agent said she would end the call and proceeded to hang up on me. I need to re-acquire my money in the account as they have temporarily frozen {$10000.00} with no further explanation or information on review.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is falsely reporting to the credit bureau that my payments are late when they have been on time and most of the time early.
Product: Mortgage

In XX/XX/2021, my husband and I were struggling financially because of reduction in income, due to the Covid-19 pandemic. We contacted our bank PNC, and requested assistance with our HELOC. We were advised over the phone that we could take advantage of a forbearance program, lastly 3 months, which would temporarily cut our payments by 50 %. We elected to participate in the program over the phone. We did not get paperwork detailing the terms or possible negative consequences of the forebearance. We made our partical payments XXXX of 2021, and resumed normal payments in XXXX of 2021. After the forebearance period ended our drawing privledges on our HELOC were revolked. We were not aware this was a possible consequence of the temporary forebearance. I contacted PNC and they said we could apply to have the drawing privledges reinstated, we have applied twice and been denied. This signifcantly harmed us financially, we were counting on using the funds available from the HELOC to pay off high interest credit card bills. We also noticed our HELOC monthly payments were increasing, so we applied to " lock-in '' the rate as per our terms and conditions of our HELOC, only to be informed the loan was no longer eligible for a rate lock, and is no longer a HELOC, but is now a variable rate mortgage, without the option of a rate lock. This is absolutely devastating. We can not afford to pay the increased monthly payment. We would NEVER have agreed to the forebearance if we knew the full ramifications of doing so. We need access to the equity in our HELOC, and we NEVER agreed to have it converted to a variable rate mortgage! PNC took advantage of us, and did not fully inform us of what we were agreeing to, or the possible permanent, and profoundly negative consequences. 

I contacted PNC bank on XX/XX/XXXX to dicuss my concerns, and try to work towards a resolution, but I have been unsuccessful. Please help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was in a total loss XX/XX/2023. XXXX starters insurance claims right away. XXXX made my insurance payment XX/XX/XXXX. The account showed current and no pmts due. The next day it showed past due. Several times I called and checked the site/company and was instructed I was in good standing. 

1. When asking for a supervisor I was told they had no way to get in touch with one in total loss dept. 
2. I confirmed with safeguard XX/XX/XXXX that the payment had arrived. 
3. XXXX told me to allow XXXX business days to post it? If they had it why was there a delay in posting? 
4. I asked for a deferment to help during this time. The rep told me they can not do anything during a claim. 

I am concerned my perfect pay history XXXX have been inaccurately reported. I also believe that the payment was posted non advance the. XXXX posted normal. That left me past due.
Product: Mortgage

I have a mortgage with XXXX XXXX  & also a home equity loan. My home equity loan had expired & they sent it to collections & transfered my first mortage to XXXX XXXX. I was not late on any payments for either loan. I contacted them and they directed me to the hardship department even though i was not late on my payments. I explained my situation & told them i needed an extension which they would not do because my home is a modular home & they no longer did home equity loans for them or have it turned into a conventional loan. I sent all paperwork they asked for and after 4 months they told me i was denied because because my XXXX XXXX was too low because i missed XXXX payments that they wouldnt except while i was waiting for them to review my loan. I had a person from a local branch call me a year prior to my loan expiring and she was supposed to be working on refinancing well before it expired. She told me she would call me if there any issues & I never heard from her again. I currently have my home listed for sale because i have no other options.
Product: Credit card

Case # XXXX. Truist bank decreasing my spending limit. Is a breach of contract. Im enforcing my basic consumer rights to be informed. The right to redress. The right to service the right to choose. Also Im enforcing my consumer responsibilitys. Right to safety. I applied for credit card with an application. Which is a consumer credit transaction. With truist bank. I was given XXXX for my original credit limit which is the original contract agreement they then lowered my original credit limit to XXXX which is a breach of contract. I have the right to credit. Withholding my access to my securities is security fraud. You are violating the equal credit opportunity act. And consumer protection credit act. Since you are denying me my full amount of credit. Please retract my application. Thank you. XXXX XXXX agent to XXXX XXXX XXXX federal reserve section 16 part XXXX states granting right to issue notes the board of governors of the federal reserve system shall have the right acting through the federal reserve agent to grant in whole or in part or to reject entirely the application.of any federal reserve bank for federal reserve notes. But to the extent that such application my be granted the board of governors of the federal reserve system shall through its local federal reserve agent supply federal reserve notes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the Credit Bureau to do verification of everything on my Credit report from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they have stated that everything was accurate but I have done a thorough research myself and have found improper inaccuracies on the Credit report. 

In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

The fact that this account was considered a charge off and this company never sent me a 1099C as well as 42 USC 408 you are never supposed to ask for a social security number on any loan it's fraud and a violation of RICO 42 U.S. Code 1983 - Civil action for deprivation of rights 42 U.S. Code 1986 - Action for neglect to prevent 42 U.S. Code 2000a - Prohibition against discrimination or segregation in places of public accommodation 18 U.S. Code 1512 - Tampering with a witness, victim, or an informant 18 U.S. Code 2071 - Concealment, removal, or mutilation generally 18 U.S. Code 1346 - Definition of scheme or artifice to defraud 28 U.S. Code 1346 - United States as defendant 18 U.S. Code 872 - Extortion by officers or employees of the United States 18 U.S. Code 1505 - Obstruction of proceedings before departments, agencies, and committees 5 U.S. Code 7311 - Loyalty and striking 42 U.S. Code 1985 - Conspiracy to interfere with civil rights 18 U.S. Code 245 - Federally protected activities 42 U.S. Code 14141 - Cause of action 18 U.S. Code 1513 - Retaliating against a witness, victim, or an informant 18 U.S. Code 1510 - Obstruction of criminal investigations 5 CFR 2635.702 - Use of public office for private gain.

18 U.S. Code 1918 - Disloyalty and asserting the right to strike against the Government 18 U.S. Code 1506 - Theft or alteration of record or process ; false bail 18 U.S. Code 241 - Conspiracy against rights 18 U.S. Code 242 - Deprivation of rights under color of law
Product: Credit card or prepaid card

XX/XX/2019 I went to withdraw money off my work card and the atm declined, so I logged into my account and saw that XXXX took {$570.00} off my card which was unauthorized, I have XXXX  as a carrier. I contacted XXXX and got nowhere, so I decided to contact XXXX XXXX and they sent a new card XX/XX/2019 and a dispute form. I did everything they told me to do I emailed the forms back Friday XX/XX/2019 at XXXX have been calling them everyday to check on updates and kept getting the same answer we are still processing your claim. So I called Tuesday XX/XX/2019 and they said they needed additional so 10 minutes later I wrote up a letter stating what happened. Later that day between XXXX and XXXX I contacted them again to get updates on the letter I sent earlier that day and they said my investigation was closed the last night the night of XX/XX/2019, nobody told me that I just proceeded to continue to send in documents they asked for every time I called and they told me I would have to wait for a letter in the mail to appeal. One associate told me I would receive my credit on day 10 which was a lie because XX/XX/2019 is day 11 and they closed my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below items do not belong to me. Please assist me in getting these items removed. I have sent in a police report to the XXXX and XXXX with regards to this account not being mine. XXXX XXXX XXXX XXXX - bal : {$22000.00} ( XXXX XXXX XXXX ) The following items are reporting incorrect late payments on my credit reports. Please investigate this matter and remove the following accounts : I have noticed the day of activity does not match. I have tried resolving this issue with XXXX ( XXXX XXXX XXXX, XXXX ), GRAIN TECH ( XXXX XXXX XXXX, XXXX ), XXXX XXXX XXXX ( XXXX & XXXX ). I havent had any luck fixing this issue. I have asked them to please provide on many occasions, documents verifying that I own these accounts at question and they have not. Please investigate this matter and remove the following accounts. 

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.
Product: Credit reporting or other personal consumer reports

( XXXX ) sent me a text saying someone is opening account in my name I went onto my credit report so I called the company JPMCB-Card told them this was not me opening no accounts with them they informed me that they will stop the application from going forward. The date was XXXX I called the same day this happened.Now I have a Negative mark on my credit report ( hard inquiry ) open account that I have not asked for..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX {$6.00} Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$82.00} Reported XX/XX/XXXX XXXX XXXX XXXX XXXX {$6.00} Reported XX/XX/XXXX XXXX XXXX XXXX XXXX {$82.00} Reported XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$6.00} Reported XX/XX/XXXX XXXX XXXX XXXX XXXX {$82.00} Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Collection Closed {$8200.00} Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Collection Closed {$600.00} Reported XX/XX/XXXX XXXX XXXXXXXX 30+ days late Closed {$0.00} Reported XX/XX/XXXX Installment XXXX XXXX  On time Closed {$0.00} Reported XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, my XXXX was updated with a balance from rooms to go/synchrony for a card that I am no longer an authorized user on. I was removed back in XXXX. When I look in the account Im not even on there anymore. They reported incorrect information and caused my debt to income ratio to rise and my scores to drop XXXX  points.
Product: Payday loan, title loan, or personal loan

I made a payment to Citibank in the amount of {$400.00} on XX/XX/XXXX through my bank. Citi is claiming they did not receive {$400.00} instead they are claiming they received {$74.00} on XX/XX/XXXX, which I did not make. I contacted my bank and they confirmed that a payment of {$400.00} was sent to Citi and a payment of {$74.00} was never made. I spoke to 7 different representatives at Citi each telling me that I did not make the {$400.00} payment. Each time they said they could not help me and transferred me to someone new only to be hung up on and placed and left on hold. No one seems to want to help me resolve this. I cant even go online to get a copy of my statement or history so I can ensure that I am being charged correctly. I received a letter stating my account is delinquent but I ca n't get any one to help me resolve this to put my account back in good standing. I do n't want to make any payments to them if they are not recording them correctly.
Product: Debt collection

XXXX, mailed a letter to NCB Management Services to validate debt. They have not responded in a timely matter. XXXX and XXXX have deleted the account from my kredit profiles. According to FCRA section 611 ( a ) 6 and 7 gives us the right to request a method of verification. NCB has failed to provide the method of verification within 15 days.
Product: Mortgage

Im a XXXX of XXXX XXXXXXXX covered by Purpose of this Notice XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  my home is in danger of being foreclosed on I have nowhere for my daughter and I to go