23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Debt Validation Request Account Number : I am writing to formally request validation of the debt you claim I owe, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this debt, and before I take any further action, I require the following information : 1. **Proof that you have the legal right to collect this debt** ( either the original signed contract or other valid documentation ).

2. **Details of the original creditor** ( including the name and address of the original creditor and the account number with the original creditor ).

3. **A detailed explanation of how the amount you claim is owed was calculated**, including fees, interest, or any other charges added to the principal.

4. **Documentation that shows the debt is within the statute of limitations** for collection in my state.

5. **Proof that I owe the debt** to your organization or that you have been assigned the right to collect this debt.

6. **A copy of the purchase agreement or assignment agreement** that transfers the debt from the original creditor to your agency, demonstrating that you are legally authorized to collect on this debt.

Please treat this letter as a dispute of the debt, and cease all collection activities, including reporting this debt to any credit bureaus, until proper validation is provided.

I expect to receive these documents within 30 days of receipt of this letter. Should you fail to provide this information, I will consider the debt invalid and will expect you to cease all collection activities and remove any information related to this debt from my credit reports. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 reporting agency can not furnish an account without my written instructions
Product: Debt collection

In XX/XX/XXXX I began getting calls from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, GA XXXX  ph XXXX E-mail : XXXX Website : XXXX ) and they were trying to collect a debt from a XXXX XXXX and Mrs. XXXX. I complained to them that ph # XXXX  belonged to me and has been my number since XX/XX/XXXX. After filing a lawsuit on XXXX XXXX XXXX through XXXX XXXX XXXX , XXXX, they agreed to stop calling me. But in turn XXXX XXXX XXXX sold my personal information to D2 Managent ( XXXX XXXX XXXX XXXX, SC XXXX ( XXXX  ) XXXX ) who has been calling me to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$3900.00} ; XXXX  XXXX Balance : {$6800.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX SELF-REPORTED XXXX Balance : {$140.00} ; XXXX SELF-REPORTED XXXX Balance : {$62.00} ; XXXX SELF-REPORTED XXXX Balance : {$14.00} ; XXXX SELF-REPORTED XXXX Balance : {$100.00} ; XXXX SELF-REPORTED XXXX Balance : {$5.00} ; XXXX SELF-REPORTED XXXX Balance : {$100.00} ; XXXX SELF-REPORTED XXXX Balance : {$22.00} ; XXXX SELF-REPORTED XXXX Balance : {$130.00} ; XXXX SELF-REPORTED XXXX Balance : {$300.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2300.00} ; XXXX  XXXX Balance : {$95.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask the investigation be properly conducted several times. XXXX owns the XXXX XXXX. The first letter I upload was the letter I received from XXXX stating my account was closed with no balance. The top letter and the XXXX XXXX is the same information, The have falsely reported I filed bankruptcy. The company also false reported a derogatory mark XX/XX/2021. I do not have this card I have not had the card since XXXX when they closed my account have I paid it off. The card number was XXXX. Experian never contacted XXXX during the investigation. Just closed my request for investigation. Sending me to a to a site experian.com/upload that does not accept the documents with case number. I was told to mail to their address. I received an alert today where they close the case less than 30 days. 

Attached documents 1. I have attached the letter from XXXX 2. My list of creditors I include on my bankruptcy excluding XXXX XXXX XXXX caredit card 3. Discharged documents
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX Account name : # XXXX Account name:XXXX. Account : XXXX Account name.XXXX Account name XXXX has violated my rights. 
I looked at my XXXX credit report on XXXXXXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

For no reason and Without any explanation they close my account with my sears card.. They never send me a letter or a notification on any problem regarding on my account. My account was use daily and never had any late paid or anything wrong with the payments i always paid the monthly bill in full. I been a member since 2014 with the card and Im a daily user of my credict card and never been late on a payment in 5 years. I call the company and they said that because of my passed credict they close my account.. I never paid any late fees or missed a payment on that account to be treated like a bad costumer. For some reason the target me for my passed.
Product: Credit reporting or other personal consumer reports

I once again express gratitude for your ongoing efforts to address certain fraudulent entries in my file stemming from alleged identity theft. However, there remain items that necessitate removal. This constitutes my fourth complaint and serves as a follow-up to my prior grievance dated XX/XX/XXXX. As a victim of identity theft, I am submitting a dispute for the residual fraudulent items in my file. Reiteratively, the items under dispute bear no association with any transactions involving the acquisition of goods, services, or funds that I have either made or authorized. Kindly expunge the reporting of these items from my credit file, as they are unfamiliar to me. Furthermore, the data pertaining to these items has been expunged from other bureaus, raising doubts about their accuracy and reported payment history in my file. For your reference, I have attached my FTC Report # XXXX. Outlined below are the outstanding items that require removal from each bureau : -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I noticed an inquiry made on  XXXX   XXXX ,  2016 un der the name of  TD Bank USA/Target C. I immediately made contact with   XXXX   to dispute and have this corrected. I 've  been trying to have them remove this inquiry for the last couple months and each time they claim that this inquiry is correct. I made contact with Target and informed them of the situation. They immediately apologized and informed me they would mail me a letter in regards to the inquiry with all the information needed to remove this inquiry. Once I recieved this letter, I was to fill out the bottom portion of the form and mail it over to  XXXX . I mailed the letter to  XXXX  but they are claiming that inquiries are a factual record of file access and will not remove this inquiry and that I need to contact Target directly and follow their internal fraud procedures which I have already done.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 letters were sent to XXXX XXXX  and Experian explaining there is no original contract or original ink signature to validate debt. On XX/XX/2021 I received letter from the three bureau and the debt is still reported on each one without the original instrument of indebtedness with original ink being provided.
Product: Mortgage

Trying to sell a house that has a security deed that should have been cancelled the loan was paid off XX/XX/XXXX. XXXX XXXX acquired the loan from XXXX XXXX ; the Security deed for XXXX XXXX  was cancelled and recorded in the deed book XX/XX/XXXX. The XXXX security deed was recorded XX/XX/XXXX. Bank of America acquired the loan from XXXX. However, they did not cancel the XXXX Deed when they took over the Mortgage. From XX/XX/XXXX I have tried to get the deed canceled or a notarized statement saying that the loan was paid on XXXX. I have sent BOA the HUD1 statement with the payoff information, and the refinance loan document with the Deed of Trust. Just today they send me an email saying the loan was transferred to XXXX XXXX  along with the funds for the payoff. I am in a desperate position because I have a closing date for XX/XX/XXXX. I have change the closing date 3 time from XX/XX/XXXX due to BOA lack of help in resolving the matter
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 the information is inagcurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( il ) the information is, in fact, inaccurate. 
Unbelievable that the bureau are getting away with this. 

Remove accounts listed below immediately off of credit Report : XXXX XXXX- XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I tried to dispute incorrect information on my credit report and it was never removed
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these.

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me.

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have not received a response and its been 30 days!!!! DELETE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

US Bank gave me an offer on my online card banking portal. The offer was 10 % Cashback for purchase at XXXX online and there will be twice cashback if purchase made between XX/XX/XXXX to XX/XX/XXXX. 

I made a purchase online at XXXX on XX/XX/XXXX for {$140.00} ( please see attached receipt for making online purchase with the US Bank card ). 

I was expecting {$28.00} cashback for this purchase ( 10 % x2 for purchase worth {$140.00} ), however I did not receive the cashback. 

I called US Bank support on XX/XX/XXXX and they opened a service request for not honoring the cashback and open an investigation. Service request reference # XXXX I received a letter on XX/XX/XXXX from US Bank which simply stated that we are aware you opened inquiry and call XXXX our technical support for further assistance. Letter did not specify if they are further investigating, or resolution has been reached and what is the resolution. 

Since I did not receive any update after that, I called on XX/XX/XXXX per letter and I got several times rerouted with no one seem to be knowing who can help. I was transferred from card service to technical support to online banking to again technical support and went on for an hour. 
One agent mentioned during the call that your service request has been closed and you should have got the letter however letter I received doesnt specify any resolution. 

I have spent hours of calls and follow ups with US Bank with unsuccessful attempts and really appreciate further help.
Product: Debt collection

My tax return was seized for my deceased wifes debt. I took corrective actions on XX/XX/XXXX and as of XX/XX/XXXX I still have not received a refund from XXXX. I provided all the documentation that they needed in order to issue a refund and Ive called every two weeks to get the same response of youll have to wait we are over capacity of dealing out refunds it could take another 60 to 120 days to receive your refund Im sorry but I have no information for you at this time. Are things that Ive heard consistently. All im warning is to receive a refund.
Product: Credit reporting or other personal consumer reports

Dear credit reporting agency, I am writing to bring to your attention certain information on my credit report that is reported by a company that has sold my debt and no longer has the right to collect on it. I firmly believe that since the debt has been sold, I am no longer obligated to pay it, and therefore, it should be removed from my credit report.

As per the Fair Credit Reporting Act ( 15 USC 1681 ), it is the responsibility of credit reporting agencies to ensure the accuracy and fairness of the information they report. According to section 611 ( a ) ( 2 ), if a consumer disputes the completeness or accuracy of any information in their credit report, the credit reporting agency must investigate and remove any information that is found to be inaccurate or can not be verified.

Furthermore, section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act states that if a debt has been sold or transferred to another party, the original creditor no longer has the right to report or collect on that debt. Therefore, any information reported by the original creditor regarding the sold debt should not be present on my credit report.

I kindly request that you conduct a thorough investigation into the reported debt and verify whether the creditor still has the right to report it. If it is determined that the debt has been sold and the reporting company no longer has the right to collect on it, I urge you to remove all information related to the debt from my credit report.

Please provide me with written notice of the investigation results and any actions taken within the specified timeframe as required by section 611 ( a ) ( 1 ) ( A ). Additionally, I would appreciate receiving a copy of my updated credit report once the necessary changes have been made.

I trust that you will handle this matter with the utmost diligence and resolve it in a fair and timely manner. Thank you for your attention to this dispute. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Oregon XXXX Friday, XX/XX/year> 2024
Product: Student loan

Navient called me a while back telling me I had to sign up for one of there loans repayment plans set and what they think I should be paying even if I can not afford the payment or not and if I dont pay the amount they set I will be delinquent, I have done my best to ask them to let me pay back monthly at {$22.00}, they basically making it very difficult for me to afford even paying them back at XXXX something a month I can not afford that. So I have tried to make payments of XXXX dollars every month this is the first month so I place my bank info on their website like they asked and the first payment never went through so they sent me a letter via my online account with them, I tried to pay them again on their online portal using my bank info on the day of the due date they just email me saying I missed a payment and I am very frustrated because they are not willing to work with me, I will keep paying what I can and keep documentation of every payment I try to send and they dont accept online - I have worked very hard on fixing my credit and I will not allow myself to be pushed around by Navient not accepting my payments.
Product: Credit card or prepaid card

I was charged XXXX for a hotel night stay in XXXX for XXXX XXXX XXXX. Unfortunately this was charged to my chase freedom unlimited card at that time. When my daughter and I stayed at the hotel there was a problem with the ac that was above the bed. That ac became broken in the middle of the night and dropped buckets of water on our bed. I tried to change rooms but the hotel was booked. My daughter is XXXX XXXXXXXX and this was not acceptable for us to sleep in a bed drenched with water and the floor full of water. I tried to dispute this charge with chase multiple times with no luck and no recourse. I recently closed out my chase account and paid XXXX for the account. The remaining balance was for the XXXX which I did not agree to pay. Over time with interest the balance has increased to XXXX. Now this is being reported on my credit report as negative given the disservice I was provided with is not acceptable.
Product: Mortgage

I had a trial modification with PHH for XXXX, XXXX and XXXX which i paid all on time and they acknowledge that- So the modification paperwork was supposed to be sent in XXXX it wasn't- I opened a case with you about it- They then sent the paperwork for a due date of XX/XX/XXXX for a payment and the paperwork. 
I sent the payment and they cashed the check on XX/XX/22 and it's pending not posted to my account- I sent the paperwork signed to them priority mail on XX/XX/22 and I emailed them to let them know that I once again did everything I was asked to do on my end in a timely matter and they have before the XXXX due date for both. 

PHH emailed me back on XX/XX/22 that they have the agreement and it passed the initial review. 
Which makes no sense why does this need a review? why has my account not updated? it is now XXXX XXXX Please look into this!
Product: Debt collection

This is my second complaint against the Company Navient ; I have seen their response and was forced to place a second complaint on the collections agency. I have just received an email from Navient and was told that my taxes may be deducted. If CFPB ( consumer financial protection Bureau ) did not have a section to file a complaint against any sort of company or enterprise or franchise then we as students may never recover from debt collectors. To educate oneself is to free their mind and being in debt is stressful for ; above average percentage of college students. Badgering and threatening a learner is not abiding. I am willing to pay a settlement that I can pay in which your company Navient has not given me the opportunity to do. {$80.00} every two pay periods should not be a difficult payment arrangement to agree with. I just want my loan paid off and my living expenses up to par. 

Humbly Written, XXXX XXXX Furthermore It is best to reach me via email at XXXX ; my work hours get in the way of phone time.