23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : CCS COLLECTIONS XXXX XXXX XXXX XXXX MA XXXX Account number : Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX Tx, XXXX XXXX XXXXXXXX Dear CCS COLLECTIONS 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 ofany 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 thevalidity 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: Money transfer, virtual currency, or money service

I a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

My husband had a XXXX XXXX back in XX/XX/XXXX which caused us to fall behind on our payments. I continuously worked with Loss mitigation to get help in the matter. On XX/XX/XXXX, we were approved for a repayment plan and per the documentation received as long as we notified them that we wanted to do it and made our payment as of XX/XX/XXXX, we were in repayment. When i called in to accept the plan, I was told i could pay over the phone and nowhere in the documentation did it say otherwise. On XX/XX/XXXX, I called to make my payment and was told no, i had to mail it in. I did mail it in, but it never posted. On XX/XX/XXXX, I called to see what my options were and if my payment was received yet. Once again, I was told I could make a payment over the phone, then after a payment was attempted, advised the payment would have to be mailed in. I was told at that time that the representative would keep an eye on my account and if I was in Jeopardy of the plan breaking if my payment didn`t show up, she would call me. When I called on XX/XX/XXXX because i still hadn`t heard anything. I was told the plan was broken and I would have to resubmit new paperwork. I resubmitted new documentation with the same information i previously used and received a total declination letter. How is that possible when a month before we were eligible? I have resubmitted all documents and on XX/XX/XXXX was told a complete package was received and that foreclosure activity were on hold and no sale date could be processed. I called on XX/XX/XXXX to check on the file and was advised, nothing had been done with it, it was just sitting there and the representative would reach out to the processor. On XX/XX/XXXX, O was served with Foreclosure papers which was a violation of my rights, since I never received anything after my XX/XX/XXXX letter. I have since resubmitted documentation and the sale has been suspended for 30 days while they review, but if they come back and decline it, I will lose my home.
Product: Payday loan, title loan, personal loan, or advance loan

I made a {$660.00} purchase and used XXXX, which I later found out was Monterey Financial. Long story short, I was charged over {$1800.00} and have been making monthly payments of {$130.00} since XX/XX/XXXX. They offered me a hardship solution payment. I have called in and made payments via the website and I have received the payment confirmation only to have Monterey stating that the payments have not been made on time or according to the agreement. The last payment was made on XX/XX/XXXX, but I received notification that no payment was received. Plus, they are reporting past due payments on my credit report. This company is a ripoff and I want to be done with this deal.
Product: Vehicle loan or lease

I applied for a loan to purchase XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which I qualified for and agreed to the terms of this vehicle. However, I am a victim of a Bait and Switch Tactic conducted by Ally Bank and XXXX XXXX XXXX. I reach out to Ally for support as I provided very sensitive ( personal identification data ), such as SS Num and DOB. I have not received a response back from Ally Bank. I have supporting documentation proving my stance. This bank participating with XXXX XXXX XXXX on Bait and Switch tactics is unacceptable! 

I qualified for the loan and accepted the terms. Before I could get a chance to goto XXXX XXXX to officially sign the paper work, as well as trade my truck in, a Sales representative contacted me trying to sell me a completely different car. I did not receive any communication the car was sold. The XXXX XXXX contacted me on Tuesday, XXXX communicating he is on his day off, where I would receive correct information about the car I sought out to purchase. I never received that call nor email communication from sales. 

In addition too, I reached out to Ally bank, via email and called, but I received no answer and no response. 

I did report this issue with the BBB and State of MO pertaining to XXXX XXXX XXXX and Switch.
Product: Checking or savings account

i have XXXX sitting in my paypal account since XXXX and paypal still wont release. I reached out to them and they said to email XXXX with photo id to restore the account and balance. I have done this many times and even asked for updates. They dont respond. I think they just said that to close my complaint but had no intention of following up. They have everything they requested but will not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute informing TRANSUNION that the reporting they have is incorrect and please correct. They have investigated and will not correct their issue. I have asked for a way to provide the proof and they state that mailing is the only way. But yet their website says one can upload docs. 

I have been given numbers to call and not having any luck.
Product: Debt collection

When I checked my credit report last fall, I noticed a derogatory mark on my report : a {$980.00} collection from Transworld Systems Inc/XXXX opened XX/XX/2020. I have never had any interaction with either Transworld Systems or the original creditor. I also have never received any sort of information from them ( mail, email, etc. ) stating that I had an outstanding debt owed to them. It is completely unfair that they are allowed to place a derogatory mark on my credit report, negatively impacting my score, without at least attempting to contact me or giving me the chance to address the validity of this debt. It is wrong and needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have contacted the following companies numerous times XXXX, TransUnion, and XXXX regarding the wrongful posting of inaccurate personal information. Both have inaccurate home addresses, names, and phone numbers where people have fraudulently used my name and associated my name or a wrong name with addresses and numbers that are not mine. I have requested proof neither company sent any proof though have only stated it has been confirmed the fraudulent names, numbers, and address are mine even though I have denied all the inaccurate information on the reports though the companies refuse to remove the inaccurate names, addresses and phone numbers.
Product: Credit card

On XX/XX/, a company called XXXX XXXX charged me an overage of {$1000.00}. I had subscribed to their service for XXXX XXXXXXXX a couple of months prior, on XXXX XXXX XXXX. I used my Mastercard with Capital One to make the initial purchase. I submitted a dispute with Capital One for the overage charge. Then, after Capital One reversed the charge dispute, they rebilled me on XXXX XXXX XXXX, and I called a representative. The representative changed the coding of the dispute to reissue the disagreement, which reflected that I didn't receive the merchandise as agreed. After doing so, I received another charge reversal on the XXXX XXXX XXXX I submitted documentation showing that the billing page clearly stated XXXX XXXXXXXX, and there were no other indications of other charges. They rebilled me on the XXXX of XXXX. I sent a letter to Capital One ( attached ) citing the Mastercard policies on receipt delivery for subscriptions, as the vendor does not conform to the Mastercard policy requiring receipt delivery by text or email. Also, they do not provide a form or direct phone number on their website to cancel the subscription, which is also against the Mastercard terms. Capital One wants me to provide documentation that I did not receive the services as agreed. I also explained that I did not receive the text/email receipts as I had explained in the letter, and the Capital One agent that I spoke with asked I provide documentation to show that I did not receive a text or email with a receipt if I didn't receive it how can I provide proof I didn't? The lack of evidence is the proof... Also, I explained the fact that hiding the overage disclosure behind the terms of service page on their website is a deceptive billing practice, which Mastercard has a policy against as well.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : LVNV FUNDING LLC Address : XXXX XXXX XXXX XXXX, SC XXXX Account number : XXXX Your NAME : XXXX XXXX Your XXXX XXXX XXXX XXXX XXXX, AL XXXX Dear ( Debt Collector ) 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. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I find myself a survivor of XXXX XXXX, a distressing form of XXXX XXXX that coerced me into accumulating debts. This dire situation has left my credit report tarnished with derogatory marks. Presently, I am under the guidance of a representative from the XXXX XXXX, an organization dedicated to supporting survivors of XXXX XXXX. Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates the removal of adverse information related to trafficking upon filing an official claim.
Product: Credit card

I was robbed on XX/XX/2022. I contacted the company to inform them that my identity had been stolen and I was getting notifications from stores saying that charges had been made. I requested that the account be closed. Meanwhile I am being locked out of all of my email accounts, online bank accounts, passwords changed, my phone was hacked and taken off XXXX 's network and my XXXX swapped out. I have repeatedly asked Aspire to provide me with the history of the account from the time of opening, to the time it was closed. I want all login attempts, locations, IP address, phone records of payments, and transactions, all information on the unauthorized user added to the account, a summary of the investigation and a detailed statement justifying allowing this to happen after I called the company. I provided the documentation, but all they replied was there was no fraud. There absolutely was fraud if I am saying that it wasn't me. I have retained The XXXX XXXX firm preparing to sue this company if they do not provide this information so that I can repair the damage to my credit and identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Allied Interstate reporting a balance of {$440.00} owed to XXXX XXXX that I do not owe. This is a violation of rights under FCRA law 15 U.S.C. code 1681
Product: Credit card or prepaid card

Wells Fargo Bank as the wrong social security number listed on my Wells Fargo XXXX XXXX credit card account. XXXX isnt my correct social number. My correct social security number and date of birth is : SSN : XXXX DOB : XX/XX/XXXX
Product: Credit reporting

XX/XX/XXXX, Experian stated to me that they could not delete the inaccurate personal information from my credit file such as the incorrect addresses, incorrect names, social security number variations ( when they clearly know my ssn and have proof sent to them XXXX, inaccurate telephone numbers, inaccurate employers, etc. It is still reporting on my credit files and this is violating the FCRA and my consumer rights. They stated that the furnishers of data submits this information ( whether right or wrong ) and it would be up to me to contact them. Again, this is a violation. They even suggested me file a police report to remove the items. This is fraudulent and I will seek legal ground If this is not corrected. All of the other credit bureaus have my personal information correct except for them. I think something seriously needs to be done about their practices. 

I need for the following addresses that are not mine and should not be reporting. 

XXXX XXXX SC XXXX ( what is this??? this is an office building ) I looked it up. 
XXXX XXXX SC XXXX XXXX XXXX CO XXXX XXXX XXXX SC XXXX Delete these names that are not accurately reflected on my SSN card or my drivers license. This is fraud also. 
XXXX XXXX My name is XXXX or XXXX
Product: Vehicle loan or lease

In XXXX XXXX I purchased a XXXX XXXX avenger. I financed the vehicle through a company called snaac. A few months later I had already started to have some issues with my payments, they said I had insufficient funds within my account but when I viewed my account there was money there. So I paid what I need it to pay to catch back up on my normal payments. Months after that this same thing happened in months after that the same thing also happened all the way till now XXXX XXXX. But at this moment they repossessed my vehicle and once again say that I had insufficient funds within my account but that wasnt true coming from XXXX XXXX. Maybe federal viewed my statements online from the day I got my car till now they told me that snaac didnt even try to an attempt to take or collect the money from my account there was no proof of it and when they did take out the money that it was random and random amounts which was not in the contract and or agreement. I also remember saying on the phone with this company for my payments to come out on the first and 15th numerous times it would come out on the first but on the XXXX there would be no water but instead a later date they would get that money out of my account like the XXXX Way past the date that was set on the agreement. So last night XXXX XXXX my vehicle was repossessed and I had no mail or anything saying that my vehicle was going to get repossessed only a letter stating that my payment is being processed. Both on the phone and face to face XXXX XXXX stated this seems very shady from this company and very much to me seems like a rip off. This happening to an XXXXXXXX member Is a no go in the XXXX
Product: Credit card

My credit card was used fraudulently twice within the past XXXX months. And my debit card was used fraudulently just the other day.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I discovered several fraudulent accounts on my credit report. Upon identifying these accounts, I promptly reported them as fraudulent and maintained detailed records for future reporting purposes.
Product: Debt collection

I sent a Validation and cease and desist on XX/XX/XXXX, i never received proof that the debt was validated and all the information and the placed a collection on my credit report on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or remove. Per FCRA segment 605 you are expected to delete any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims. The following items needs to delete : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Account # 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 USC 1681 ( A ) ( 4 ) 15 U.S.C. 1681 Section 604 A Section 02 : It also states a consumer reporting agency can not furnish an account without written instructions. 15 USC 1681b ( A ) ( 2 ) 15 U.S.C. 1681c. ( A ) ( 5 ) Section : It states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 the information is inaccurate.

I challenged the accuracy, compliance and reportability of this listing and it came back verified. Please validate and have them provide method of validation on this information from this account and ask them to provide me with copies of the original contract between myself and XXXX XXXX and validation associated with this account, bearing my written signature. This has account has been updated with activity and this is a closed collection account. The term duration is INNACCURATE on this account states 1 month on XXXX, 0 months on XXXX, and Unknown on Equifax which is inaccurate as well as the first date of Delinquency are inaccurate as well. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I also attached an article from the CFPB ordering " Repeat Offender XXXX XXXX XXXX to Pay More Than {$24.00} Million for Continued Illegal Debt Collection Practices and Consumer Reporting Violations '' I requested validation and method of validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681S-2 ] [ 15 U.S.C. 1681e ]
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX Violated the following FDCPA 15 USC 1692P SECTION 809 AND 1006.6 Communications in connection with debt collection. Credence Resource Manage attempt to collect on XXXX bills for XXXX. Consumer asked for the following Purchase Agreement and Original sign contract with signature stating that i owes and agree to this Debt. Consumer asked to be provided with documentation showing by letter or electronics attempt was, made within 5 days exclude weekend to notified this consumer. Records search was done per XXXX Credence Resource Manage licensing in the stated of Nevada and XXXXonsumer requested copy of XXXXXXXX XXXX paid to the stated of Tx allowed to collector in the state of Tx. XXXX Texas collected period of XXXX yrs.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the slience XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. presume that no proof of the alleged debt, therefore any such debt, in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX bal. {$220.00}, XXXX XXXX XXXX BAL. {$760.00}, XXXX XXXX bal. {$630.00}, XXXX XXXX XXXX XXXX BAL. {$370.00}, XXXX XXXX XXXX XXXX  bal. {$190.00}, XXXX XXXX bal. {$1500.00}
Product: Credit reporting

I have a tax lien on Equifax and tried to call and get them to take it off and tried to dispute, but am having a challenge. The lien has been paid in full and withdrawn - I 've gotten this off XXXX and XXXX. Can you help and let me know what I need to push this through? Thank you!