23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Request for Debt Validation Dear IC System, I am writing to formally request validation of the alleged debt associated with account number XXXX, as noted on my XXXX credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, I have the right to request detailed information regarding this debt, and I expect a thorough response. To properly validate this debt, please provide the following information : 1. Bill of Sale - Documentation showing the transfer of this debt from the original creditor to your agency, including a complete chain of title. 
2. Date of First Delinquency- The exact date when this account first became delinquent. 
3. Date of Last Payment - The date of my last payment made towards this account. 
4. Payment Statements - All statements from XXXX detailing payments received and missed, along with information on any late payments, so I can verify if the account is being reported accurately. 
5. Signature on Original Contract - A copy of the original contract that shows my signature and legally binding agreement to pay this debt. 
6. Insurance Claims - Any information related to an insurance claim filed concerning this debt. 
7. Licensing Proof- Proof of your licensing to collect debts in the state of Ohio . 
8. Forward Flow Agreement - Any agreements related to the forward flow of this account from the original creditor to your agency. 

Please note that if you are unable to provide all of the requested documentation, I will consider this account invalid and will request that it be deleted from all credit reporting agencies. I expect a timely response to this request within three days from today 's date ( XX/XX/year> ), as mandated by the FDCPA. I kindly ask that you send all documentation to my address or through the CFPB portal as attachments. 

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

Transunion Rep XXXX refuse to assist, I have been a victim of their Inquiry issue with the following inquires they are reporting the following inquiries I requested proof such as a signed document baring my signature she refused. Inquiries are as follows check into c DATE XX/XX/XXXX XXXX DATE XX/XX/XXXX XXXX DATE XX/XX/XXXX XXXX   XXXX DATE XX/XX/XXXX XXXX XXXX DATE XX/XX/XXXX XXXX XXXX DATE XX/XX/XXXX INFORMATIVE DATE XX/XX/XXXX XX/XX/XXXX
Product: Money transfers

Charles Schwab ( brokerage ) illegally took {$190000.00} from my bank account at the Charles Schwab Bank in XXXX, XXXX today ; I deposited a Trust check from XXXX XXXX XXXX, XXXX, XXXX for this amount on Saturday, XXXX XXXX, 2016 into the only ATM and only real Bank Schwab has. We believe they are operating a XXXX State illegal bank where " back office '' is XXXX XXXX XXXX, XXXX where Bank Statements are processed. Deposits are made by pre-addressed envelopes which go to XXXX XXXX, XXXX. 

We believe these are illegal racists acts by the " Client Advocacy Team '' which is a fraudulent name for a Unit with actions like XXXX during XXXX. 

I am an expert on Banking ; You will note " CAT '' on the withdrawl attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently got a hand on my credit report then i realized i have some inquiries that i was not aware of. I've called Experian customer service on XX/XX/XXXX and spoke with XXXX who told me that within XXXX XXXX those inquiries mentioned below would be off of my report. Few days later i check my credit to find out everything still there. Please investigate and delete inquiries from credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a credit report freeze on my accounts with the three credit agencies some years ago. I am trying to refinance my home and need those freezes lifted. I have, of course, forgotten my PIN. XXXX   and XXXX XXXX were able to help with a phone call. I have tried working through Experian 's website to retrieve my PIN, only to be told in a computer-generated response that it does not recognize my social security number/birth date combination. I know I have entered them correctly, as I have entered them repeatedly over a period of days, starting on XXXX XXXX, 2020, and continuing through today, XXXX XXXX, 2020. I have also dialed at least four different consumer report numbers without being able to connect to a representative. I have spent six to eight hours on the phone using various phone trees and trying to find a way in. Today I did manage to get to a representative, who asked for my SSN, my birthdate, address, email address -- all of which I provided correctly. Then he asked for my PIN and I explained that what I have been trying to do is reset/retrieve my PIN. He then said he could ask security questions and, if I answered correctly, he could help me. A moment later, he said his computer system was unable to generate security questions XXXX which he was unable to explain ) and said they could send me a new PIN in 10 to 15 days. I am trying to lock in an interest rate on a refinance, and that rate seems likely to rise over the next two weeks, which means that this will cost me thousands of dollars over the life of my loan. 
As I was searching my computer for my PIN, I came across notes I had taken two years ago, when we purchased our current home. We went through exactly the same problem then as now, and only with Experian. That time, they also had the option of uploading documents to their website, a process that I tried repeatedly and without success. To be honest, I don't even remember how I resolved it at that time. 
Finally, one of the things they insist that I put in the mail to them is a copy of my Social Security card. My understanding is that you should never put your SSN in the mail. And at this point, I have no confidence whatsoever that they will be able to protect my information, or even store it correctly. 
It doesn't take much XXXX to see that this is a common problem with Experian and that it has been going on for years. Someone needs to step in and make this company, which is vital to so many people 's lives, do their jobs with some minimum level of competency.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

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

It has been brought to my attention that my personal information was exposed in a national data breach. After reviewing my credit reports I noticed some accounts I am not familiar with, I have asked the CRAs for a validation of debt however the information has not been provided. Due to my information being exposed I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, The FTC complaint, and a copy of the XXXX report showing my information has been compromised in a national data breach and a validation of debt letter.
Product: Checking or savings account

Hello, There are many charges on my debit card that I DID NOT charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires were made on my credit report that I have no knowledge of.
Product: Bank account or service

I made a large ( for me ) deposit at my bank on XXXX. Later that day the bank " adjusted '' my account by subtracting {$150.00} saying that the deposit was off by that amount. I specifically asked the teller that morning if my amount matched her amount because the deposit was over {$4500.00}. She indicated it did. I had XXXX handwritten deposit tickets filled out because I had more checks than would fit on one page. The bank is only able to provide me with a copy of one page ( front and back ) of my deposit tickets because they say they shredded the second page. Their excuse is that since its an individual account they are only required to send " down '' one page of a deposit ticket. I feel that they misplaced a check in the amount of {$150.00} and that 's why the deposit did n't ' add up. There is no way to tell though because I ca n't see the second deposit ticket. I was not told at the time I made the deposit that I needed to separate the deposit into XXXX separate deposits nor was I told that I could n't " run a business '' out of a personal account. I 've only been reprimanded after the fact for doing so. I 've been dealing with this issue and explaining it over and over to US Bank personnel and getting different answers/excuses. The first person I spoke to at the customer service number indicated that he would send me a form to fill out and the money would be deposited back in my account. Never received the form or the money. The second person I talked to at that number told me that the reason the money was " adjusted '' was because the check for that amount was a bad check and it bounced. I informed her that was not the case because I had recently had that happen and it was not handled in the same way. XXXX customer service reps both clueless representing this bank. I was then given the name and number of a district branch manager to contact. I called him and left XXXX messages without ever having a call returned. Then I received an email survey about my " experience '' with customer service. When I explained my frustration in the survey I did finally get a call ( the only positive of this situation - they actually do read the survey input ). Was told by this person that she understood my frustration with the whole situation and that she would look into it and file some sort of paperwork. It might take up to 72 hours to hear back. This conversation occurred on Thursday, XXXX XXXX and it 's now Thursday, XXXX XXXX. The lack of responsiveness and follow through from these people is frustrating. In the meantime I 've been talking with someone at the branch again and after some initial concern there was no follow up. I left XXXX voice mails for this person with no response. I finally called the main bank number and asked to talk to her today and finally reached her. Their response is the same - they do n't have to keep a second deposit ticket. I just want to get my {$150.00} dollars back. Can you please help?
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app Block , inc due to inadequate customer service, and unfair practices which violate the customer 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 regulations E, these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit card or prepaid card

On XXXX XXXX, XXXX @ XXXX I cancelled my XXXX  wholesale club membership {$XXXX}. On XXXX XXXX, XXXX I received an email from Comenity Capital Bank which manages the XXXX credit card, with a notice to pay {$XXXX} for a XXXX wholesale membership. I called Comenity on XXXX to advised them that I was no longer a XXXX member and should not have to pay for a new membership that was charged on XXXX XXXX, XXXX, 17 days before the expiration of the full membership. I spoke with two XXXX agents. I was told that they could not resolve the issue and the only way to fix the matter was by going to my local XXXX store to obtain a credit that would reflect on the credit card and as simple as that the issue would be resolved. On XXXX XXXX, I went to XXXX. They told me that they were not responsible for that charge. XXXX told me to contact Comenity. I left XXXX and called Comenity. I told Comenity that they gave me false information on how to fix the problem. They advised that I should wait 10 days to obtain a form in the mail to dispute the issue.
Product: Money transfer, virtual currency, or money service

I am filing 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 an address fraud on their platform leaving my account vulnerable and unprotected dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under these 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: Credit reporting or other personal consumer reports

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advisedI have every intention of following through with this to protect my rights as a consumer. I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may do as you are governed by the FCRA. I have tried to contact these companies on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have NO record of me? 

XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX
Product: Credit reporting

My creditor XXXX XXXX has reported twice on Experian. Once under loans and another under Litigation. This is facing a judgement in public records. Due to this / This loan was deleted from my XXXX account. XXXX only report it once. A previously opened charge card. XXXX XXXX that is delinquent and charged off was reported with an incorrect open date of XXXX/XXXX/2013. This account was deleted with the dispute and was reinserted with an open date of XXXX/XXXX/2013. This account is closed but it is reporting a fresh charge off every month. It shows on my credit as a new account. These items are ruining my credit, could you help. XXXX XXXX also reports it as a fresh account.
Product: Credit reporting or other personal consumer reports

My American Express is closed and I paid off all my authorized charges before closing this account. American Express is still accepting charges to my closed account because they are still letting XXXX charge my account. I closed the XXXX account last XXXX, 2022 but can not get either XXXX or American Express to cancel these unauthorized charges leading to my closed account showing up on credit reports as 90 days past due and wrecking my credit score. I am tired of trying to get either of these vendors to listen to me and I am tired of wasting hours on the phone trying. Both accounts are closed. I requested AMEX to close my account hoping this would finally stop XXXX from charging unauthorized charges but AMEX still is accepting charges with out my authorization. 

I want them to stop accepting these charges and to finally realize my account is closed and I am not using a closed account. I closed this account myself to get XXXX to finally stop their unauthorized charges to the account I closed with XXXX in XXXX, 2022. Neither entity is responding.
Product: Student loan

My student loan with XXXX  XXXX XXXX XXXX was transferred to Mohela XX/XX/2024. There has been issues with loan balances being incorrect. My loan balance increased and is incorrect. My loan balance with XXXX  kept increasing. I have been paying on my loans using IBR. I have screen shots of the last payment that I made with XXXX. It was {$59000.00} in XX/XX/2024. In XX/XX/2024, the balance changed to {$59000.00} under XXXX. Now, it is {$60.00}, XXXX since the transfer from XXXX  to Mohela in XX/XX/2024. This is fraud. How long has this been going on. XXXX  and Mohela Student Loan Services need to be investigated. We are already struggling to pay the loans to have them to increase the loan balance. I want an explanation, and I want my balance corrected. The {$59000.00} is incorrect and keep increasing.
Product: Credit reporting or other personal consumer reports

I recently revied my credit report and I was shocked to find out that I have been a victim of identity theft I found a account on my credit report that were not open by me. This was been hurting me as I am trying to by a family home. Please remove the fraudulent account from my credit report as soonest possible XXXX XXXX XXXX XXXXXX/XX/year>. I am also attaching my Driver licensed copy, Social Security, Utility bill and identity theft report.

THANK YOU SO MUCH.
Product: Credit reporting, credit repair services, or other personal consumer reports

Iam writing in reference too the XXXX XXXX Collection Acct on all 3 of my credit reports XXXX, XXXX and Experian under state statue 7rs or over they must be deleted of my credit reports not just showing closed please remove off my credit reports!!! Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was possibly impacted through the Equifax data breach.
Product: Debt collection

I am disputing because I am a member of XXXX XXXX XXXXXXXX XXXX  and I am low to no income I had mo rent and it is a mistake I shouldn't have an eviction I was not taken to court. And also its causing me to be homeless with my daughter right now with my housing voucher due to being noted eviction and it honestly isn't I haven't been evicted
Product: Debt collection

On XX/XX/year> I had a relative text me stating they received a phone call from Independence Capital about my payment declining so I need to contact them. When I contacted Independence Capital I spoke with XXXX, I asked him why are my relatives receiving phone calls about my debt and its being discussed. He stated they have XXXX # XXXX for me. I informed him that Ive only ever provided XXXX phone number so no other number should be contacted and if they are my debt should not be discussed. At this point he became angry stating, well I called you and left voicemails and sent emails and you have not responded this week. Are you just ignoring me? I informed him that again its still unlawful to speak with third parties and others debt. He ignored me and asked for payment. This is the XXXX time XXXX has contacted this relative about this debt. He called this relative on XX/XX/XXXX and informed him that he was trying to collect payment about a debt.
Product: Credit reporting or other personal consumer reports

There are XXXX unauthorized inquiries on my credit report and incorrect employment information. I have never worked for a company called XXXX XXXX XXXX. The unauthorized inquiries are : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act First Premier Account ending XXXX and XXXX XXXX XXXX account ending 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to notify you of a serious issue concerning the compromise of my Social Security number. I am a victim of identity theft. I have reported this incident to the Federal Trade Commission, and a copy of the filed complaint is attached for your reference. I request that you immediately block and delete all fraudulent information from my credit report and provide me with an updated copy of the report. The following items were opened fraudulently and are not authorized by me : Accounts : ( XXXX XXXX, Account Number : XXXX ) ( XXXX XXXX XXXX, Account Number : XXXX ) In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and remove these fraudulent items within 4 BUSINESS DAYS of receiving this request. If you fail to act appropriately, I will be forced to pursue a small claims lawsuit against your agency. I will be seeking statutory damages of {$1000.00} for each violation, which XXXX include but are not limited to the following : XXXX. Defamation of character XXXX. Negligent facilitation of identity fraud XXXX. Violations of the Fair Credit Reporting Act 4. Civil liability for negligent non-compliance ( 15 U.S.C. 1681o ) 5. Civil liability for willful non-compliance ( 15 U.S.C. 1681n ( b ) ) 6. Failure to comply with 15 U.S.C. 1692 ( g ) 7. Violations under 15 U.S.C. 1681b Permissible purposes of consumer reports 8. Violations of the method of verification ( 15 U.S.C. 1681i ( 7 ) ) 9. Right to privacy violations ( 15 U.S.C. 1681a ( 4 ) ) 10. Violations relating to the contents of consumer reports ( 15 U.S.C. 1681c ) I take this matter very seriously and demand immediate action to block and remove these fraudulent items from my report. I expect to receive an updated copy of my credit report sent to my address at no cost to me, as required by law. Additionally, I request that you notify any recipients of my credit report in the past XXXX months of these corrections. 

Thank you for your immediate attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX