23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Request for Debt Validation I am writing to formally request validation of the debt that you have reported to me. This communication is being sent under the Fair Debt Collection Practices Act ( FDCPA ) and my right to request verification of the debt. 

Please provide me with the following information : XXXX. The amount of the debt. 
XXXX. The name and address of the original creditor with proof of the original agreement with my signature on it. 
XXXX. A detailed statement that outlines the charges and fees leading to the current amount owed including payment history. 
XXXX. Documentation that shows you are authorized to collect on this debt including date that this debt was obtained. 
XXXX. Any judgments or legal actions taken against me regarding this debt. 

Please note that until I receive this verification, I will consider this debt invalid. Additionally, I request that you cease all collection activities until this debt has been validated. 

Please send your response to the address listed above. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not been able to access my credit report from TransUnion since XXXX of 2024. I can't access it online, I can't access it over the phone, and Transunion has never responded to my request for a report or my disputes. I sent out a letter in XXXX of 2024 and have yet to hear a response. Despite being sent all of the appropriate documents they still refuse my right to free and fair consumer report. 

Transunion refuses to remove inaccurate addresses which is a violation of 15 USC 1681 despite being sent proof of the correct information along with proof.

TransUnion also has 3 bankruptcies attached to an address that is not mine reporting. These bankruptcies need to be removed as well. XXXX received their information from public records without checking the accuracy the accounts which I know because the courthouse that is listed does not share information with the credit bureaus as shown in the attachment. 

These are violations of 15 USC 1681 and Sections 609 & 623 of the FCRA.
Product: Money transfer, virtual currency, or money service

My daughter sent me {$600.00} around XX/XX/2019. I have screenshots of her sending but I dont have the funds andCashApp will not respond to me. I received the initial email saying they had my inquiry and would respond in 24 hours, but that has passed a few times over and I cant get any responses or help as they have no phone support and they are simply not responding to my emails. I have opened several tickets.
Product: Credit card or prepaid card

wells farge bank continuews to refuse aprove my credit card application based on discrimination based on my XXXX and contiues to refuse aproval of my credit card.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Auto Loan opened by XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, A Credit Card opened by XXXX XXXX XXXX XXXX on XXXX under the account number XXXX, A Personal Loan opened by XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, A Loan ( Mobile Phone ) Opened by XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a Personal Loan opened by XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 US Mail # DEMAND LETTER To whom it may concern I [ XXXX XXXX XXXX ] a natural person , consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from Account [ XXXX ]. Be advise pursuant to 15 USC 1666b ( a ) ( b ). 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.

( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit.

I am notifying you in writing that I would like these late payment ( s ) removed immediately. I am also demanding that you refrain from ever reporting another late payment ( s ) future wise. I hope that you comply and that this issue will be resolved and handled here amicably. 

In accordance with the fair credit reporting act XXXX  XXXX XXXX account # XXXX  has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions. 





Kind regards, XXXX XXXX XXXX Cc : CFPB Cc : FTC Cc : ATTORNEY GENERAL
Product: Mortgage

For the past year, Roundpoint has illegally charged my escrow and monthly payments XXXX the actual property taxes on my house. 
I have asked them for assistance. 
Either they do not answer their phones, or they have an undertrained operator say " I don't know how to change this. '' Every month that they cheat me with inflated tax charges in my monthly payment, they short my principal payment. 
Can anyone at CFPB please help me? 
We have had this problem previously. 
Can't you discipline Roundpoint or correct their dishonest practices? 
Roundpoint continues to cheat me
Product: Debt collection

They text me about every week wanting me to contact them about " a matter for XXXX  ''. Whatever that is. They always use a different phone number so I can not successfully block their calls. They want me to call but I'm inclined not to do that as it is clearly a scam. I don't owe anyone any money and have a credit rating of XXXX
Product: Credit reporting or other personal consumer reports

You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, XXXX  XXXX  XXXXXXXX XXXX XXXX XXXX and Federal Trade Commission.
Product: Mortgage

Never received change of interest UNTIL XX/XX/24 WHEN i REQUESTED THE INFORMATION. Sent the letter to the wrong address. Lender did not provide adequat time required by Lender to inform Mortgagee of rate change.
Product: Mortgage

My home mortgage was with OCWEN FINANCIAL CORPORATION. I had difficulty keeping up with my mortgage payment as the property 's value decreased than the mortgage amount. Besides, I lost my job, and tenants stopped paying rent. 

In XXXX, right before the pandemic, I applied for a short sale, and OCWEN approved it. But due to the pandemic, the buyer failed to proceed as everything was closed. A legitimate buyer is now ready, and I applied for a short sale. I have submitted everything to the mortgage bank OCWEN a.k.a. PHH, through HANS-ON REAL ESTATE, LLC. OCWEN, a.k.a. PHH, appraised the property more than once and did XXXX more than once. Finally, OCWEN, a.k.a. denied my short sale application stating that CFPB denied my application, which is beyond my understanding. 

I asked OCWEN, a.k.a. PHH, for loan modification first or short sale. The property at XXXX XXXX XXXX, XXXX, NY XXXX XXXX is my primary residence. I need help.
Product: Debt collection

Marcam Associates calls me ALL the time. I have XXXX  debt from multiple XXXX, which not all of our insurnace covered. Lately it will say " private number '' but in the past they would use a local ( XXXX ) area code, or an ( XXXX ) #. Now it just says " private '' and i let it go to voicemail. Same message every time. They also send bills through the mail every week, multiple times a week. I don't have the money to pay it off, so I guess it will just continue until I die. I have asked them to stop calling me and that doesn't matter. I work full time, have health insurance and it's just not enough for these people.
Product: Checking or savings account

I had an account at XXXX Bank. They claim I have an overdraft amount of XXXX, That is in correct I received a bill from Target request the overdraft fee and the money that I have being paying back. I can not owe two people the same thing when I am in the process of paying the original debt. This fraud they kept the account open to accrued fees for a debt that is being paid. This is fraud and defamatory, bulling in nature.
Product: Credit card or prepaid card

I received an offer from CitiBank for a 0 % promotional APR on balance transfers until XX/XX/XXXX. I wrote a check to myself for {$10000.00} and deposited it into my checking account on XX/XX/XXXX. I called the bank today to see if the check had cleared and the agent said it hadn't. He asked me for the check number, which I gave him. He then responded that they didn't have any 0 % promotional offers with those numbers, but he could take care of it with a higher interest rate.
Product: Credit reporting or other personal consumer reports

I am reaching out to express serious concerns regarding inaccuracies I have identified in my credit report. Upon review, I discovered multiple discrepancies, inaccurate accounts, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These errors are affecting my financial stability, and I would greatly appreciate your prompt assistance in resolving them.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Product: Debt collection

-On XX/XX/XXXX a bill was sent to me from XXXX in regards to a debt owed to XXXX in the amount of {$840.00} which should have included the amount owed for a phone and the last phone bill. 
-On XX/XX/XXXX a bill was sent to me from Receivables XXXX XXXX, XXXX XXXX regards to that same debt, but stating that I owed {$1600.00}. 
-On XX/XX/XXXX I sent a fax to the Escalations Dept. at XXXX XXXX XXXX, XXXX requesting validation and explanation of the increase from the original debt amount. I mentioned that I 'd spoken with a representative from XXXX who told me that additional charges were added to the account in XXXX and XX/XX/XXXX. At that time my account was closed and I had entered a contract with a new cellular phone carrier in XX/XX/XXXX. 
-On XX/XX/XXXX, Receivables XXXX XXXX, XXXX XXXX me a T-Mobile statement as validation of debt, but did not explain why the additional charges were added to an account that should have been closed in XXXX. 
-On XX/XX/XXXX, I sent a letter to Receivables XXXX XXXX, XXXX in response to the statement inquiring about the charges that were very confusing to me. 
-On XX/XX/XXXX I received a statement from Diversified Consultants, Inc. regarding the said amount due to XXXX. 
-On XX/XX/XXXX sent a letter to Diversified Consultants , Inc. inquiring about the explanation of the debt owed to XXXX. 
-On XX/XX/XXXX I drafted a subsequent letter to send Diversified Consultants , Inc. regarding their lack of response and explanation of the debt owed to XXXX. I am not comfortable paying for charges that I 'm not sure are accurate. 

Thanks so much for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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, has violated my rights 15 USC 1681 Sections 602 A States I have right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my instruction 15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information.any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Debt collection

I recently pulled my credit report to find that XXXX XXXX was listed as a collection with all 3 bureaus. I havent any paper work I received a phone call a few months ago but they could verify the information after that I didnt receive any information from this company regarding any balance owed. Ive tried to dispute previously with no response I emailed them hoping for a response. I do believe this is a fraudulent activity nonetheless
Product: Debt collection

I am writing to bring to your attention a matter of utmost importance concerning my credit report. After thoroughly reviewing my credit history, I have discovered several discrepancies and inaccuracies that suggest a case of identity theft. I request your immediate assistance in rectifying this situation. 

Below are the details of the discrepancies I have identified : XXXX XXXX XXXX XXXX XXXX XXXX I have noticed a series of fraudulent transactions on my credit report, including purchases and withdrawals that I did not make or authorize. 

I am extremely concerned about these discrepancies, as they have already had a significant adverse impact on my creditworthiness. It is crucial that these inaccuracies are promptly addressed to mitigate any further damage to my financial standing. 

Assist me in the process of reporting the identity theft to the Federal Trade Commission ( FTC ) and obtaining an identity theft report. I understand that addressing identity theft can be a time-consuming process, but I urge you to act swiftly to rectify these issues and restore the accuracy of my credit report. Your cooperation in this matter is crucial to protecting my financial well-being.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 XXXXXX/XX/year>
Product: Credit card or prepaid card

I have a card issued for my child support for over 5 years. There are always odd service charges they I dont understand and there is never an explanation on the statement. I have BOA download on my phone and the transactions never explain anything.
Product: Prepaid card

I was gifted a {$50.00} American Express gift card and I have tried to load the balance to XXXX. The balance keeps showing {$50.00}, but it shows multiple {$0.00} transactions. It then locked my out of my XXXX account. I called XXXX and they recommended I tried it on another XXXX account, so my sister tried it numerous times. We looked on XXXX and tried loading a lower number, but it just shows multiple declined transactions. Then I tried to call the customer service number, but could not get a live representative. Multiple XXXX blogs pointed me here saying this is the only option. Apparently the security measures are too strict and you can barely use it anywhere, including XXXX, XXXX XXXX, XXXX XXXX, etc.
Product: Credit reporting or other personal consumer reports

TranUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear TransUnion, There is a report in my consumer report that is a result of identity theft. I did not provide written permission or instructions identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to be blocked is not being made in error ; nor is my request to block being made on the basis of a material representation of the fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transaction by me as the consumer : 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  and XX/XX/XXXX XXXX XXXX and XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you XXXX XXXX
Product: Debt collection

On XXXX  I purchased an XXXX from XXXX XXXX through XXXX XXXX XXXX. On XX/XX/XXXX I returned the phone to XXXX XXXX. XXXX XXXX XXXX sent me an additional bill for the cost of the phone. I called them in XX/XX/XXXX to dispute the charge. I spoke with a someone named XXXX who started a XXXX way call with the corporate XXXX XXXX office. The XXXX XXXX representative confirmed that the phone had been returned. Despite this, XXXX and his supervisor claimed that I still owed the purchase price of the phone because they had a communication break down with the XXXX XXXX store and lost the phone and refused to do anything else. XXXX & at sold the debt. I did not receive any notification from IC Systems attempting to collect the debt or how I could dispute it. On XX/XX/XXXX, I noticed that IC Systems attached the collection to my credit report. I filled out the dispute form on their website and also disputed by email and they have failed to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting a bankruptcy on my credit report that was never filed on me. My husband filed bankruptcy and I was never included in the bankruptcy. I am asking that they send me proof that I was on bankruptcy papers and where they got them from because I verified with the bankruptcy people that they do not give out info to the credit bureaus. Please give me documentation that shows I am listed on a bankruptcy filing that you have proof of the info on the filing.
Product: Credit card or prepaid card

This is a follow up on " XXXX " Dear Madam/Sir, I'm glad that BMO Harris Bank N.A . is trying to resolve the issue, and I am delighted to know that BMO Harris Bank N.A . confirms that I have received the informational brochure ( attached in the initial correspondence ). However, as a resolution BMO Harris Bank N.A . has offered a dismal XXXX rewards points, which is 10 % of the advertised introductory bonus. The language in the brochure is directly calling the recipient, " Make every purchase count. Activate your BMO Harris Bank Platinum Rewards Mastercard today and earn XXXX bonus points after {$2000.00} ... ''. And I, the receiver of the brochure ( mailed with the card to my name and address ), spent the {$2000.00} within the demanded time-frame and DID NOT earn the promised XXXX bonus points. I want emphasize, nowhere in the disclosed material, a distinction is made between a product change and a new account. The distinction on which all the BMO Harris argument is based. Moreover, have I not been eligible for the introductory bonus, I shouldn't have had received the brochure. Sending that brochure and advertising a bonus as a return of a spending is a clear indication of incompetency, to say the least, if not misguiding advertising. Hereby, I refrain to accept the posted XXXX rewards points as an adequate resolution and am seeking for the full advertised bonus of XXXX point plus the damages and lost time.