23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am responding to your business reporting a debt you are trying to collect. You reported on all three credit bureaus XXXX, XXXX as well as XXXX by postal mail, on XX/XX/2023, and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Product: Debt collection

Re : Complaint Against Central Portfolio Control Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Central Portfolio Control regarding their handling of a reported XXXX  collection on my credit report. The details of the issue are as follows : Company Name : Central Portfolio Control Nature of Complaint : Central Portfolio Control has reported a XXXX  collection on my credit report that I do not recall and have no knowledge of. 

Communication with Central Portfolio Control : On XX/XX/year>, at approximately XXXX XXXX, I received a call from Central Portfolio Control regarding an alleged debt. I promptly requested verification of the debt under the Fair Debt Collection Practices Act ( FDCPA ). The representative informed me that they had already sent it out once, but I have not received any such documentation. 
Despite my request for them to resend the verification, the representative declined, leaving me without any proper information about the debt in question. 
I reiterated to the representative that I do not recall the debt and requested proper documentation, citing my rights under the FDCPA. However, my request was consistently denied, and I was not provided with the necessary verification. 

Request for Resolution : I request that Central Portfolio Control provides clear and verifiable documentation of the alleged debt, including details such as the original creditor, the nature of the debt, and any supporting information. 
I also request that Central Portfolio Control rectifies the inaccurate reporting on my credit report by promptly removing the disputed item Additionally, I request confirmation in writing that the reported debt has been removed from my credit report.
Product: Credit reporting or other personal consumer reports

This company promises to report to all XXXX  credit bureaus. They continue to fail to report to Equifax. There are other customers on XXXX with this issue. I need to speak with an executive to resolve this issue.
Product: Credit card

I am not sure why i am being reported late in the following accounts now, i am seeking your help to make sure that this will be updated as soon as possible.
Product: Debt collection

XX/XX/XXXX - RECEIVED AN EMAIL FROM XXXX WITHOUT ANY VERIFICATION TO MAKE SURE THE EMAIL WAS GOING TO ME. THE EMAIL PROVIDED THE FOLLOWING PER THE BELOW. I EMAILED DIRECTLY BACK THAT THEY VIOLATED MY PRIVACY BY EMAILING WITHOUT VERIFYING ME AND OR ENCRYPTING MY EMAIL.

I EMAILED REPEATEDY AND EVEN COPIED THE CEO OF PROGRESSIVE AND EVERYONE REFUSES TO PROVIDE THE MONTH OF UNPAID COVERAGE. SINCE THE STATE OF FL REQURES COVERAGE IF THERE IS NO COVERAGE IT IS REPORTED TO THE DMV. I HAVE NEVER BEEN REPORTED BC I ALWAYS HAVE HAD COVERAGE. 
On Tue, XX/XX/XXXX at XXXX XXXX XXXX XXXX wrote : XXXX XXXX XXXX  Reference # XXXX Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Amount Due : {$290.00} XXXX XXXX This account qualifies for credit report data furnishing by Caine & Weiner. We furnish information to XXXX, XXXX and XXXX. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose.

Please contact us at ( XXXX ) XXXX to discuss

resolution options. For your convenience, we accept payment via the Internet. Visit our online payment option at XXXX. 

To speak with us directly, contact us at XXXX. 
Sincerely, XXXX XXXX XXXX XXXX Reply STOP to opt out Reply Consent : If I elect to reply to this email then I hereby expressly consent to be contacted by Caine & Weiner or anyone calling on its behalf, for any and all purposes, at any physical address, electronic address or telephone number I provide, including any wireless telephone number. I agree that Caine & Weiner may contact me in anyway, including but not limited to telephone calls, prerecorded or artificial voice or text messages delivered by an automatic telephone dialing system. In addition I hereby confirm that the email address listed above is mine and that I authorize you to contact me either manually or by automatic emailing system to said email address Any views or opinions are solely those of the author and do not necessarily represent those of Caine & Weiner. The information transmitted is intended only for the person or entity to which it is addressed and may contain confidential and/or privileged material. If you are not the intended recipient of this message, please do not read, copy, use or disclose this communication and notify the sender immediately. It should be noted that any review, retransmission, dissemination or other use of, or taking action in reliance upon, this information by persons or entities other than the intended recipient is prohibited. Finally, the recipient should check this email and any attachments for the presence of viruses. Caine & Weiner accepts no liability for any damage caused by any virus transmitted by this email. Caine & Weiner is a debt collection agency. This is an attempt to collect a debt and any information obtained will be used for that purpose. Contact Us : Caine & Weiner
Correspondence Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Website : XXXX Disclosures : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

previously distributed XXXX  XXXX account date opened XX/XX/XXXX with a balance of {$4100.00}. 
results came back stating account previously and dispute not resolved reported by data furniture to the use for FCR bye XXXX  while Trans Union report dispute result reported by grantor, I strongly disagree with investigation results. XXXX  XXXX  continues to report factually incorrectly. previously account reported payment history with XXXX as agree all the way from XX/XX/XXXX through XX/XX/XXXX with perfect payment. While the last payment report for XXXX with XXXX and XX/XX/XXXX with XXXX and Transunion. Payment history was not making no sense with what was being reported on date last payment. After I disputed account, payment history delete ok as agreed and replaced it with consecutive charge off as if it was some sort of payment method. payment history does not match what was being reported on the last payment. Account has deleted data from the last payment. This is not acceptable information can not just be deleted like nothing on credit report.
Product: Credit card or prepaid card

Aspire Master Card sent my account to collections {$1200.00} I settled the account with XXXX XXXX XXXX for less than that leaving a balance of {$280.00} and they will not XXXX  out the account and still show a balance, This account has been closed for over a year. I have reached out to XXXX  and XXXX  3 times in the last 5 months regarding this issue and even though I send them my identity documentation and a letter of satisfaction from the collection agency called XXXX XXXX XXXX, they don't do absolutely anything about it and in particular with XXXX, a lady was rude and tried to lecture my on past disputes. I just want Aspire to honor the letter of satisfaction and XXXX out my account and report a XXXX balance to credit bureaus but everyone seem to be making it impossible when I call Aspire they do acknowledge all payments made through XXXX XXXX XXXX  however, they say I still owe them {$280.00}. Why is Aspire not honoring my settlement from XXXX XXXX? Crooks!
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Account Number : XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

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

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

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

4. Proof that the original creditor securitized the debt.

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

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

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

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

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

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

I was automobile shopping in XXXX of XXXX  and I was under the understanding that I could have credit pulled and it would only have XXXX inquiry within a 15-45 day spand, i was hit with about XXXX inquiries from one car lot and I believe these should be removed from my credit report. 
From XX/XX/year> to XX/XX/year> I went to XXXX dealership and had XXXX inquires, all for auto finance
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX Balance : {$530.00}, XXXX XXXX XXXX Balance : {$21000.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I received a message while at work that I should call JP Morgan Chase because they had locked my accounts for suspicious activity both my 2 checking and 1 savings account. I called them and told them I couldnt access my funds or my online banking and the lady read out that they have decided to no longer do business with me. She didnt explain why. I called back and said I am stuck at work I cant access my money I commute to and from work so I need my account for my XXXX  all she did was apologize but no valid explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review all attached documents for specific dates and examples of trying to resolve this matter. 

I notified XXXX XXXX XXXX XXXX that the information that is being reported on my credit report is inaccurate per 15 U.S. Code 1681s2 ( b ) and they sent a notice back saying it is verified. I Also notified XXXX, XXXX, XXXX and Innovis and the report came back as verified. I know this information is inaccurate because I tendered payment when I initially opened the account. Proof that payment was tendered as stated in 26 CFR 15a 453-1 ( e ) ( 1 ), the Department of the Treasury defines payment ( 1 ) Treatment as payment - ( i ) In general. A bond or other evidence of indebtedness ( hereinafter in this section referred to as an obligation ) issued by any person and payable on demand shall be treated as a payment in the year received, not as installment obligations payable in future years. In addition, an obligation issued by a corporation or a government or political subdivision thereof - ( A ) With interest coupons attached ( whether or not the obligation is readily tradable in an established securities market ), ( B ) In registered form ( other than an obligation issued in registered form which the taxpayer establishes will not be readily tradable in an established securities market ), or ( C ) In any other form designed to render such obligation readily tradable in an established securities market, shall be treated as a payment in the year received, not as an installment obligation payable in future years. 

Sec. 401. The sixth paragraph of section 18 of the Federal Reserve Act is amended to read as follows : " Upon the deposit with the Treasurer of the United States ( a ) of any direct obligations of the United States or ( b ) of any notes, drafts, bills of exchange, or bankers ' acceptances acquired under the provisions of this act, any Federal Reserve bank making such deposit in the manner prescribed by the Secretary of the Treasury shall be entitled to receive from the Comptroller of the Currency circulating notes in blank, duly registered and countersigned. 
The Act further states, We have provided that any direct obligations of the United States or any notes, drafts, bills of exchange, or bankers ' acceptances acquired by Federal Reserve banks may be deposited with the Treasurer of the United States or with the Federal Reserve agents, and upon these securities Federal Reserve bank notes may be issued. In case of the deposit of the obligations of the Government, the issue of Federal Reserve bank notes may be for the entire amount of such securities. 

XXXX XXXX XXXX XXXX is continuing to furnish inaccurate account information to credit reporting companies, including wrongly reporting late payments. This is heavily tarnishing my consumer credit report at no fault of my own. This false reporting has been illegally tarnishing my financial reputation and overall consumer report.
Product: Debt collection

XX/XX/2024 I am not a robot, the information I am sending you, is from the consumer laws that i have been violated by Jefferson Capital # XXXX Collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer rights by using false misleading information and deceptive means. 

Collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has removed the debt and replaced the debt with new more recent dates as to never have the debt removed from my credit after so many years.
Product: Credit reporting or other personal consumer reports

THESE HARD INQUIRIES  ARE FRAUDULENT AND DOESN'T BELONG TO ME AND NEED TO BE REMOVED. ALSO THE XXXX  AS WELL . THANKS



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: Credit reporting or other personal consumer reports

The issue is that they are not responding to me, and whenever I request a review for inaccuracies, they mistakenly identify me as someone else, despite providing all necessary personal documents. Under the FDPCA and FCRA, all information must be fully validated and reported with complete accuracy, which is not being upheld. 

Therefore, I have attached a letter requesting validation and verification to ensure the information is reported correctly.
Product: Credit card or prepaid card

I lost my job and am currently experiencing financial hardship. I made a banking error on my end and made a payment out of an account that didnt have enough to cover the automatic payment on XX/XX/XXXX. I did not know my error, until the payment was returned. I knew I had funds coming into my account around the middle of XX/XX/XXXX, so I waited to repay the minimum payment to be sure it cleared. I had a late fee waived in XX/XX/XXXX, as I lost my job due to Covid 6 months prior and was again trying to replace income and was struggling. Its been a struggle in this economy and I havent quite recovered from the XXXX Covid era financially. I called Capital One this during every financial hardship over the last year and a half when I needed to. They typically dont seem to care to help. The first representative I talked to today on XX/XX/XXXX, said the system decided what fees will be refunded and she couldnt help me further. I asked to escalate the issue then I spoke with her supervisor, who flat out was not empathetic, he said he was, but he was saying the words with no action to back it up. He said I would have to take the hit for breaching the card agreement on a late payment that was returned. Nothing he could do and it couldnt be escalated further. Due to the rolling 12 month fee reversal protocol. His tone and everything in between was just following protocol, he didnt care and didnt care to go to bat to help. I was not rude or disrespectful, but upset! He said next time I need to be proactive instead of reactive and then maybe Capital One could work with me. Ok. I wouldnt be surprised if there are lawsuits coming about for fees and the unwillingness to help their customers especially during financial hardships! Almost every other financial institution are taking steps to protect customers from fees during these times which are unprecedented and a lot of consumers are struggling already! They are waiving or working on refunding fees, but not Capital One. I think its crazy they wouldnt refund a {$25.00} fee, knowing Im struggling financially and I havent had one refunded in 11 months, but just missed the cutoff for the rolling 12 months fee reversal system determinations they use and the supervisor was unwilling to escalate further and continued to be absolute on his unwillingness to help me the consumer who is struggling!! He also said he was the highest escalated person I could talk to and he would notate my account of my disagreement with his decision.
Product: Money transfer, virtual currency, or money service

{$180.00} was taken from my cashapp account through an atm withdrawal in XXXX XXXX Minnesota, I live in XXXX XXXX  XXXX and did not make this transaction.
Product: Payday loan, title loan, or personal loan

I have an account with lending club and I had always made a payment on a timely manner. Unfortunately, around XX/XX/2019, I tried for them to lower my monthly payment to $ XXXX monthly instead of {$640.00}, however they refused. So I had a past due balance and when I finally started making payment again in the full amount of {$640.00}, they still not reporting it to the credit bureaus as they have promised me that, if I start making payment, it will help me. Due to their failure of accuracy report, I am currently having a bad credit report which leads to three of my major credit cards decreasing my limits from {$8000.00} to {$500.00}. I am catching hard times and they are refusing to lower my monthly payments. At this point, I dont know what to do, I am living on the edge, because I am a single mother of XXXX young children and my credit cards have been helping me a lots, due to failed business venture and lack of regular child support. Please help me because each time I called, someone different is telling me something different.