23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

3rd request from Company : Request for Debt Verification Regarding Recent Collection Notice I hope this letter finds you well. I am writing to address a matter concerning a recent notice I received regarding a debt collection, which, according to the information provided, has been sold to your agency.

Firstly, I want to express my concern as I have no prior knowledge of the debt in question, and to the best of my recollection, I have not entered into any agreement or arrangement with your agency regarding this alleged debt. Given this circumstance, I believe it is within my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request verification of the debt in question.

As per the FDCPA, specifically outlined in Section 809 ( b ), I have the right to request validation of the debt. This section states : " Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within XXXX days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; and ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. '' In accordance with this provision, I am formally requesting verification of the debt mentioned in your recent communication. I kindly request that you provide the following information : The amount of the debt.

The name of the original creditor to whom the debt is owed.

Any relevant supporting documentation validating the existence and legitimacy of the debt.

I understand that, as per the FDCPA, upon receipt of this request, you are obligated to cease collection efforts until the necessary verification is provided. I appreciate your prompt attention to this matter and look forward to resolving any discrepancies regarding the alleged debt.
Product: Prepaid card

I received an American Express gift card for {$500.00} as a holiday present from my company. I am unable to use the card at multiple retailers online despite having a balance that is greater than the purchase amount ( one for {$150.00}, and one for {$57.00} ). I have activated the card, and followed the steps necessary to use said gift card. I have tried to purchase items at stores that accept American Express, but each transaction has been declined.
Product: Credit reporting or other personal consumer reports

My account with TBOM RETAIL was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 2 MONTHS to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Mortgage

I filed a BK that we discharged XXXX XXXX XXXX at the time, I was approved for a loan modification to make extra payments over 6 months to bring my mortgage current. i have since made XXXX payments and my mortgage is current. My loan was transferred to Freedom Mortgage in XXXX. 2016. Freedom mortgage is holding my payments and not applying them to my balance. They told me they were waiting for there underwriter to release the funds but in the meantime I am getting foreclosure notices. They are also charging me fees to have inspections done on my home to make sure I have not abandoned it.
Product: Payday loan, title loan, or personal loan

I would like to ask you to reconsider my application for your Personal Line of credit. Application Number : XXXX. 
I recently applied and I was rather surprised to receive a denial regarding my application. Due to the numerous positive reviews shared by my family and friends with respect to this bank I would like to share some more information with you in hopes of obtaining an approval. In your letter, you listed that the reasons for the denial were : too many financial obligations against income. 
My income is $ XXXX. I have no idea why my income is an issue. I make more than enough to cover my monthly bills and then some. 
This doesnt make any sense when all of my cards are under 30 % utilization. For example, I have a $ XXXX credit limit on my XXXX XXXX XXXX XXXX cash rewards is only $ XXXX, which is 15 %. My XXXX XXXX card is {$200.00} balance out of {$3500.00}, which is only about 6 % utilization. The {$5000.00} personal line of credit will prove especially useful to me. Not only did I rebuild my credit within 6 months, but my stock portfolio weighs in at {$39000.00}. I also have accounts with XXXX XXXX, PenFed, and XXXX XXXX XXXX. If you are willing to give me a chance, you can even start me with a low credit line of {$5000.00} so I can prove to you my reliability and loyalty to this bank. My account balances are in excess $ XXXX to show Im worthy. I thank you for your time and reconsideration and I hope to hear back from you soon.
Product: Credit card or prepaid card

I paid Capital One {$400.00} and they carged me {$200.00} in interst.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX has violated this law because this late payment is reporting on XXXX and TransUnion. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX has violated this law because this late payment reporting on XXXX and TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX has violated this law because they furnished this EXPERIENCE to XXXX and TransUnion and I didnt give them permission to do so.
Product: Vehicle loan or lease

Bridgcrest customer service keeps telling me misleading information of what payment amount is due and how many past days I must go under for them to stop repossession. A few times last years if a problem with payment, they would put in red on website if car is in risk of reposession and the date, as well as email if car is in risk of repossession and date, then it would fall off after payment was processing. 
They did not after I asked them for loan defement. 

The story changes and is deceptive practice and unethical change in what I was told versus what I would be told again. 



They said {$350.00} was due to stop repossession then when I paid it they said no {$370.00} more is due. They said on XXXX XXXX {$350.00} will be due and everything will be okay until next month. Then after paying it they did not stop repossession crew and caused injury to me as a consumer as a worker over 62 needing transportation in Lending Act ( TILA ) include failing to accurately disclose the needed funds then changing the story once the money was received. Unfair or deceptive acts by customer care, Business conduct that will mislead or is likely to mislead consumers false or misleading and different stories each call as well as saying that repo can continue to occur after payment for 48 hours, saying on the XXXX payment will not stop repos because it is the weekends and the 3 rd party they hired can not be contacted. Also they have public relations person XXXX XXXX who related that a payment will make it right at {$350.00} to go under so many days until next month. Then after paying customer care said no want it under a different amount of days. Unlawful and deceptive practices again to put my life in danger of no vehicle also not letting me have a deferment this year after saying it was okay for XXXX now saying I must wait until XX/XX/2024. 
I am a XXXX woman that has been put through lies and confusion as to what is needed to bring account working until payment plan is implemented, but they do not work with you and change rules for deferment, payments, repo.and amount. I have XXXX XXXX and health problems and they put me in a bad state. Help me please as they said {$350.00} is fine for XXXX until XXXX to avoid car taking. I am old and scared and can not handle their young energy to deceive and bully me and my family. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Homepage | Bridgecrest.com
Product: Payday loan, title loan, personal loan, or advance loan

I havent been credited for the refund from XXXX and they also have deceptive practices because I was reading the lawsuit information and I have paid off items and it was much more than 90 days same as cash.
Product: Checking or savings account

Hello I had a friend staying with me and they fraudulently used my card totaling over XXXX I filed a fraud complaint with wells Fargo immediately and today being the 10th day they sent me an email stating they are denying my claim. This is unacceptable bc my account is suppose to be protected and now its negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

As Previously explained I have a charge off account for XXXX XXXX XXXX that doesnt belong to me for an amount of {$1000.00}. Another account Im being held responsible for due to identity theft!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

Our complain is about new Discover bank Online Saving account - we received the proposal from them by mail for opening this new account, XX/XX/2015. We accepted and opened this new account with confidence since we have, for years, good relationships with Discover Card and Discover Bank. We have with Discover bank : Regular CD- joint ownership by myself, XXXX XXXX and my husband XXXX XXXX ; and IRA Jumbo CD of XXXX XXXX . 
For new Discover Online saving account we transferred money from our regular bank, XXXX XXXX XXXX, with no trouble. 
At this time, we were able to access the new account. The trouble started when we startedtransfer some amount back to Peoples bank, on XX/XX/XXXX. One of customer service members mentioned that transfer of certain amounts could cause the problem, but NOexplanations on rules and limitations were given then and up to now. 
This transfer was completed, and transfer back to Discover was successful too on XX/XX/XXXX. 
Last time I could see the account, with Customer service long help, on XX/XX/XXXX, not on XX/XX/XXXX. 
I was told back in apx XX/XX/XXXX, that a special team is working on our problem and will call us. 
We never heared from them. 
Please, advice what else can we do, thanks, XXXX XXXX & XXXX XXXX email : XXXXXXXXXXXX tel XXXXSince that time, the problem is not resolved or explained. 



The problem with new account on line that EVERY time the previous password is not accepted, we have to create a new one with help of their Customer Service person whichtakes a lot of time and nerve every time. 
This trouble started when we transferred some money to our regular bank,
Product: Credit card

I purchased XXXX through XXXX, via XXXX, through XXXX. I made multiple attempts with multiple credit cards to complete the transaction. The third attempt with my TD Bank Cash Credit account was accepted. I was not told by the exchange processor prior to the transaction that the transaction would be subjected to cash advance protocols. I purchased {$30.00} worth of XXXX on XX/XX/24. I was assessed a {$10.00} cash advance fee by TD Bank on XX/XX/24. I made a payment towards the entire balance of the account on XXXX. I was assessed another fee, that was not clearly described, on XX/XX/24. I contacted customer service on XX/XX/24. The fee was not easily described. The fee was reversed. It is my understanding that the purchase I completed was assessed a flat and rate fee as a cash advance.
Product: Debt collection

GENERAL REVENUE CORP hasn't validated this allege debt and is seeking to get money from me as well as report negative debt to the credit reporting agencies. I don't owe this money to them. I asked for the CFPB help on XX/XX/2021 and I have yet to get any resolutions. Its still being reported and I feel General Revenue Corp is getting a way with murder. I feel discriminated against because I am XXXX and they think I don't know my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all three credit bureaus to delete these old/ wrong addresses from my credit reports XXXX XXXX XXXX XXXX , VA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, Wisconsin XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , Wisconsin XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Illinois XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX Illinois XXXX It has been well over 90 days since I sent the certified letters to the bureaus and they still have yet to respond or delete these addresses. This violates the fcra laws that protect consumers rights to.have accurate reporting and the bureaus are suppose to respond in a timely manner and they haven't
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing methods of verification for a bankruptcy listed on my LexisNexis report. After calling several times over the past few months and sending dispute letters, I recently spoke with an employee named XXXX from LexisNexis at XXXX XXXX on XXXX  who stated verbatim there is No way to verify information in your file. I proceeded with my dispute since he confirmed LexisNexis does not and has not verified information in my file. LexisNexis sent a response in the mail stating they did not verify the item in my file with the original furnisher of the information but LexisNexis believes it is not obligated to FCRA regulations for removal of a record if it can not be verified. Thus, I am demanding this item be removed since it has not been verified with the original furnisher by LexisNexis.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney XXXX 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

I Have Been A Victim OF Identity Theft.
Product: Debt collection

First, I filed a complaint regarding Genesis collection practices and the fact that the debt is not owed. Next, Genesis addressed the issue regarding the debt but the failed to explain their violation of legal collection practices.

1. Genesis has never provided any written communication regarding the debt collection. Genesis only sent documentation once a complaint was filed with the credit bureau.

2. Genesis has phoned and texted my cell number. Genesis has been told if they have an issue to send it in writing. Genesis has not sent any written complaint.

3. Genesis contacted my sibling stating that they were trying to contact me to " help '' me out with an issue. My sibling noted that the call appeared suspicious and told them to call me. My sibling reported the call to me.

4. After telling Genesis to only contact me in writing they have continued to call my cell phone. I am maintaining a log of the calls and the voice mails they are leaving.

Genesis appears to think that they are above following FTC guidelines.
Product: Debt collection

I took a look at my consumer report and I noticed a negative account being furnished by CBXXXX Collections, and opened on XX/XX/year>. I was never was given a chance to acknowledge and accept the offer before attacking my credit. I am requesting Validation of this debt pursuant to 15 usc 1692g
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My personal information has been used to obtain goods and services. I contacted Transunion and told them that this inquiries are fraudulent and provided proof, even though they told me that this inquiries were verified Please dispute and remove this fraudulent information from my credit report. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Ive filled a claim for fraud and the credit card bank charge me back after they gave me credit in my credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has reported my credit card account with XXXX XXXX as 60 days delinquent, which is inaccurate. 
Date : XX/XX/2019, XX/XX/2019 XX/XX/2019
Product: Debt collection

In my mind your company does not seem to have a problem with harassing individuals with erroneous debt. I never agreed that I owe any money at XXXX XXXX XXXX  because I do not. As I previously mentioned, I do not know if that address exists. I never lived at that address and if you put any debt amount for that address on my credit at any time, I will take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute of items that were alleged to belong to me to XXXX XXXX and Transunion on XX/XX/2021. The 30-day time frame is outlined in the FCRA 611 ( 15 U.S.C. 1681I ), which has passed and they are out of compliance. This is not good for them to keep reporting this inaccurate information that is staining my credit report, which I've worked hard to build. For all I know this could be linked to the XXXX data breach. I would like this information removed immediately per the law or I will proceed with filing litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want htem to be removed. 

XXXX 1. Identity Theft PENTAGON FCU Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

6. Identity Theft PENTAGON FCU Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX. 
Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft PENTAGON FCU Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

Repeated calls and letters have been sent to me from this company for years and I have told them repeatedly I have no knowledge of this debt. The debt is not mine.