23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Request for Original Signed Contract Debt Collectors Name Company Address Account number Your name Dear Debt Collectors Name This letter serves as a formal request for the validation of the alleged debt you claim I owe under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws. Specifically, I am requesting : 1. A copy of the original debt agreement containing my wet-ink signature that explicitly outlines the terms of the alleged debt. 

2. Documentation that verifies your legal right to collect this debt, including the chain of custody or sale agreement demonstrating how you acquired my information. 

3. Evidence of my explicit permission for my personal and financial information to be sold or transferred to third parties. 



Without these items, your continued collection efforts are unwarranted and could be considered a violation of my rights under federal law. Furthermore, reselling this debt without my consent could breach consumer protection statutes regarding privacy and data security. 



If you can not provide the requested documentation, you are legally required to : Cease all collection activity immediately Permanently delete and cease using any personal information related to this account. 



Failure to comply with this request will result in formal complaints filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state attorney generals office. Additionally, I reserve the right to pursue legal remedies under the FDCPA, including claims for damages and attorney fees. 



I expect a written response within XXXX XXXX of your receipt of this letter. Your failure to respond with the required documentation will be taken as evidence of your inability to validate the debt and your noncompliance with federal and state laws. 



Thank you for your prompt attention to this matter
Product: Credit reporting 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. 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 a account without my written instructions 15 U.S.C 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 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.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

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

I demand the late payment reported in to be removed.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I paid my account with Capital One in full on XX/XX/2022. On XX/XX/2022, I received an email from Capital One confirming that my account was paid in full, and nothing else was owed. 

On XX/XX/2022, I received a letter dated XX/XX/2022, attempting to collect a debt, and falsely stating that I still owed money on the account. 

Around the same time, Capital One reported to XXXX that there was a balance on the account, and that it was delinquent. This was clearly false, and as I was applying for a mortgage at the time, materially frustrated those efforts. Given the interest rate environment, I've already suffered damages. 

On XX/XX/XXXX and XXXX, XXXX, I had several calls with Capital One and spoke with various representatives- they all agreed verbally that nothing was owed on the account and that the report to XXXX was inaccurate, but refused to do anything about it. 

Despite that, this week, Capital One partially corrected its report to XXXX to reflect a XXXX balance, but that they wrote off the entire balance, which is false. A similar report was made to XXXX. 

On XX/XX/2022, Capital One falsely reported to XXXX that I still owe money on the account, and that it was delinquent. I don't know what to do at this point - obviously a lawsuit is an option, but I'd prefer it resolved without going that route. Hope you guys can help. Thanks.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act 15 USC 1681 Sextion 602 states There is a need to insure that consumer reporting agencies utilize their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and XXXX XXXX  the Consumer. I have the right to make sure my private information isn't shared which is stated in 15 USC 6801 claiming " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they most definitely do not have my written consent. Any and all consent to XXXX, XXXX, Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 168le states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I XXXX XXXX am opting out of your reporting services. ''
Product: Debt collection

I get this call on XX/XX/19 @ XXXX from Midwest Recoveries. They claim I owe a doctors debt {$680.00} from XXXX XXXX, what is stupid and ridiculus about this is the agent that actually called me mainly called to brag that Midwest Recoveries had already placed this debt on my credit report. 

Whats not fair about any of this : 1. I have dealt with this company before and told them that this debt is mine. I dont owe a bill with this company 2. Even if this debt where to be validated, what is not fair to myself is I have never been notified of this debt. The company " Midwest Recoveries '' proudly threw this debt on my credit report. They never gave a chance for it to be addressed just throw it on a consumers credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of account ( s ) below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name, Account Number : XXXX XXXX, # XXXX Account Name, Account Number : XXXX XXXX, # XXXX 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 written instructions.

15 U.S.C. 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 item of information, other than records of convictions of crimes which antedates the report buy more than XXXX years. 

15 USC 1681 S-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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with equifax about 1 30 day late payment on my XXXX  XXXX account in the month of XXXX of XXXX  however when the dispute comes back they change the payment from 30 days late to 60. This has to be completely unlawful how do we allow them to get away with this.
Product: Debt collection

Fraudulent business, they had no license number and only one person operating the phone they're very rude and just trying to gather information this is a fraudulent company
Product: Checking or savings account

I have tried to closed my account for over 1 month and TD Bank has put a hold on my account and says that I put the hold on my account which is a lie. They have charged my account several NSF fees because of this " HOLD '' and I have no recourse to handle the NSF fees etc.
Product: Credit reporting or other personal consumer reports

I was in the PSLF program under XXXX and met the120 payment requirement. When I met the120 payment requirement XXXX had taken over XXXX of the loans. I was in constant communication with the and provided them all appropriate paperwork. In XX/XX/XXXX I was advised that the loans were forgiven and subsequently recieved a letter dated XXXX XXXX showing a XXXX balance the Federal Student Loan site also showed a XXXX balance. These all dropped from my credit reports but as of XX/XX/XXXX the loans and balances have returned to my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In order to prevent any deception, misrepresentation, or concealment, we are requesting that you forward the portion of the original promissory note agreement with these six ( 6 ) elements to satisfy and complete : A. Adequate Assurance of Due Performance B. That the proper party is to be repaid their money C. That a theft of any party has not occurred D. That my client was provided, Full Disclosure, Adequate Consideration, and a Mutual Understanding of all material facts in the original transaction if you can not or refuse to provide the portion of the original promissory note ( s ) agreement ( s ) with these six ( 6 ) elements within thirty-days ( 30 ), please explain why.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account XXXX XXXX XXXX XXXX This accounts i have disputed for 5 times now and nothing have been deleted. I have sent in a police report fraud package and ftc report which i already submitted like 4 times and still Equifax violates my credit laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my XXXX XXXXXXXX XXXX XXXX credit report. There was a U.S. Bankruptcy court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) If a credit reporting agency can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The Bankruptcy Court has mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U.S. Bankruptcy Courts confirmed XXXX XXXX has never validated or verified this public record entry on my credit report, neither will they ever be by them They further stated while they are NOT liable or responsible for any MIUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrect. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

Per the FEDERAL CREDIT REPORTING ACT, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the ORIGNAL signed consumer contract and/or judgment ( s )- all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

I have included my last letter sent to the credit agencies demanding this false inaccurate information be deleted from my consumer credit report and I have yet to hear back from them. I am herby asking that this be handled immedicably.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. These accounts still states accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. See XXXX Also according to Hjr 192 On XX/XX/XXXX the US Congress passed the Emergency Banking Act. On XX/XX/XXXX XXXX XXXX announced to the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt.See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938, 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also, according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 
XXXX {$4900.00} DEPTEDXXXX {$2800.00} XXXX {$2100.00} XXXX USDEPTEDXXXX {$2800.00} XXXX {$0.00} DEPTEDXXXX {$6000.00} DEPTEDXXXX {$6000.00} XXXX {$6000.00} XXXX {$3500.00} DEPTEDXXXX {$5800.00} XXXX {$0.00} XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed an item regarding XXXX that was fraudulently placed upon my XXXX  Equifax and XXXX  credit reports. The item was removed, this morning I received notice that a debt collector, XXXX had once again placed the debt collection against my credit report in violation of The Fair Credit Reporting Act and The Fair Debt Collection Practices Act without sending me notice, a debt validation letter or an opportunity to dispute the debt. Please find submitted with my complaint an updated identity theft notice with The FTC, notice of dispute and lawsuit filed by The CFPB against XXXX for engaging in this type of misconduct. Once the item is removed or deleted it can not be placed again on my credit report.
Product: Credit reporting or other personal consumer reports

I called mechanic banks and asked if they are California republic banks and they said they bought California republic banks and I send mechanic banks screenshots of my credit report where it says California republic banks has decreased on my score on my credit report I also called XXXX transUnion, XXXX, the credit bureau told me theres different names that are spilled different on my credit report and that it shows for California republican banks 3 months late payments. XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I been calling they said they will investigate and removed any mislead names and addresses that are not mine. And will send me a report in the mail. This been affecting my credit score for years since the vehicle been paid off. My credit score has not gone up.
Product: Credit card or prepaid card

I recently applied for a Business Credit Card through American Express and was denied based on a XXXX  score. Congress does not define the term " XXXX  Score '' in the Equal Credit Opportunity, so to deny me on something I can not lawfully define is absurd and is discrimination. I am a natural person and consumer and no one can deny me credit based on discrimination. Especially because I am the one who supplies the credit in the first place. I have tried to reach out to them via Certified Mail, which they received, but never responded. This is very unprofessional, especially from a institution that I have heard great things about.
Product: Money transfer, virtual currency, or money service

A hold was put on my cashier 's check and when i called the local Wells Fargo branch I spoke with the branch manager XXXX. XXXX manipulated government regulation and made it sound like she was giving me {$5000.00} of a cashier 's check as a courtesy. When actual regulation requires the bank to give me the XXXX  dollars. Needless to say I feel like I was misled by what actual Federal Regulation is.
Product: Debt collection

I tried disputing it on the website they provided. As indicated, it is quite misleading as to the ability to dispute it. More importantly, when I clicked " send '' it did not allow to send. Please assist. 

I received collection letters from you. Ref # XXXX and XXXX I paid XXXX at the time of the visits. i specifically asked how much it was and paid it. Now, I receive these bills saying I owe more? I never agreed to this. 

In addition, your letter says " we accept disputes electronically at ... .. '' This is quite misleading. There is nothing that states where to dispute. I had to needlessly search around your site just to find this. Please stop harassing me.
Product: Checking or savings account

Bank of America closed my debit card without my permission and there was no fraud on the account and there was money in the account. The account was closed by the agent as of XX/XX/2023. I was only notified via email and when I called to rectify the situation I was told they could not reopen the card. Although this was my only means to pay my rent and other bills. I'm
Product: Credit reporting or other personal consumer reports

I was at the process of buying a house and I realized I had damages on my report excluding me from buying a home until I was denied a recent mortgage loan due to my credit .According to the 15 U.S.C.1681 Section 611 ( a ) ( 1 ) ( A ) law there should not be any damages on my credit report this is defamation to my character and is causing me financial distress its been over 90 days since the dispute letters were mailed out.
Product: Credit reporting, credit repair services, or other personal consumer reports

These loans we're taking out in XXXX, on my credit report it states I opened the accounts in XXXX, there also reporting inaccurate balances, I spoke with Representatives from XXXX and XXXX, XXXX ID # XXXX From XXXX  and XXXX from XXXX, both informed me that nothing has been reported since XXXX but according to my Experian credit report there still reporting late payments along with other inaccurate information, which is a direct violation of the Fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2020 I submitted the following letter along with statement attachments to Volkswagen Credit : I hereby serve notice for restitution on account of irreparable damage to my Credit Score. In addition I request release from my contractual obligations to Volkswagen Credit. This is a structural attempt to discredit me and my credit history by XXXX XXXX and Volkswagen Credit. XXXX XXXX submitted four credit inquiries in an apparent attempt to increase my APR, in doing so affecting my credit inquires resulting in negative ratings to my score. 

Sincerely yours, XXXX XXXX