23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally request that Cavalry Portfolio Services validate the alleged debt associated with this account or provide sufficient evidence of a trilateral contract connecting me to the debt within XXXX business days of receiving this letter. If you fail to comply with this request, I will have no choice but to pursue legal remedies, including filing for arbitration, for potential violations such as identity theft. 

Furthermore, I demand that Cavalry Portfolio Services cease and desist all communication with me, both written and verbal, regarding the alleged debt, except as required by law. Please consider this letter as a formal notice to cease and desist any further contact with me, my family members, my workplace, or any other third party related to this matter. Failure to comply with this request may result in legal consequences for Cavalry Portfolio Services under the provisions of the Fair Debt Collection Practices Act ( FDCPA ). 

As a responsible consumer, I believe it is my right to ensure the accuracy and legitimacy of any debt claimed against me. Under the FDCPA, I am entitled to request validation of the debt within a reasonable timeframe. Failure to comply with this request may result in legal consequences for Cavalry Portfolio Services. 

I request the following information to validate the alleged debt : XXXX. The original creditor 's name and address. 
XXXX. The account number associated with the alleged debt. 
XXXX. Detailed information regarding the nature and origin of the debt. 
XXXX. Verification that Cavalry Portfolio Services is licensed to collect debts in my state. 
XXXX. Any agreements, contracts, or other documentation that demonstrate my contractual obligation to Cavalry Portfolio Services. 

Please be aware that my request for debt validation is not an acknowledgment of any liability for the alleged debt. I am merely exercising my rights as a consumer under the FDCPA. It is crucial that you provide me with the requested information to substantiate your claim. 

Furthermore, if you fail to validate the debt or provide evidence of a valid contractual relationship within the specified time frame, I demand that Cavalry Portfolio Services remove this account from my consumer report immediately. Inaccurate or unverifiable information on my consumer report is a violation of the Fair Credit Reporting Act ( FCRA ) and may result in further legal action.

I expect that Cavalry Portfolio Services will handle this matter promptly and in compliance with all applicable laws and regulations. Failure to do so will leave me with no alternative but to escalate this issue further. 

Please provide all correspondence and documentation related to this debt validation request in writing to the address listed above. Any phone calls regarding this matter will not be considered as a sufficient response. I anticipate your timely cooperation in resolving this matter. 

Thank you for your attention to this request. I expect a prompt response within four business days from the date of receipt of this letter. 

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

XXXX XXXX Complaint XXXX XXXX XXXX XXXX : {$5400.00}, XXXX XXXX XXXX : {$2100.00},, XXXX XXXX XXXX : {$780.00},, Bankruptcy : {$0.00}, XXXX XXXX XXXXXXXX : {$170.00}, XXXX : {$15000.00}, 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 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX The above tried to call me repeatedly in 2015 to " enroll '' me in a student debt program- I REFUSED. I did not have any money, was living with my mom after a natural disaster. They used robocalling for over a year to try to get me to enroll- posted erroneous payments then placed several debts on my credit. I now have NO documentation of my loans and I am locked out of the US Dept of Education website. They keep adding money to these " Loans '' but reporting it as " personal loan '' not student loan. And I have NO agreement I ever made with them because I thought they were a scam when the abusive repeated calls started.
Product: Credit reporting or other personal consumer reports

Please assist me. 

" APPLE CARD - GS BANK XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX The company continues to report the fraudulent account on my credit report. 
Please investigate this.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Follow-Up on Request for Removal of Fraudulent Accounts To Whom It May Concern, I am writing to express my deep concern regarding the unresolved matter of two fraudulent accounts that I previously brought to your attention. Despite my initial request and submission of an Identity Theft Report, along with a filed police report, there has been no action taken to remove the fraudulent accounts from my credit report. I am providing a detailed statement to bring this matter to your immediate attention. 

Account Details : XXXX Account Number : XXXX Date Opened : XX/XX/2023 Balance : {$390.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2023 Balance : {$3400.00} Previous Correspondence : On XXXX, I submitted a formal request to have the aforementioned fraudulent accounts removed from my credit report due to identity theft. This request was accompanied by an Identity Theft Report filed with the Federal Trade Commission ( FTC ) and a police report submitted to [ Law Enforcement Agency ]. However, despite the seriousness of the matter and the supporting documentation provided, no action has been taken to rectify the situation.
Product: Mortgage

XXXX Loan inception. Was assured that twice monly partial payments were permitted. 
XXXX Divorce. He signed quit-claim. Bank would not remove hime from loan unless refinanced ( would not restructure ). Did not qualify for refinance. Tired several times. XXXX was told that the only way they could restrudture was to allow loan to go into foreclosure. 
XXXX Bank neglected to pay homeowners insurance from escrow. I was not notified. Bank forced surplus insurance. 
XXXX to present. On and off calls to bankd re : insuance. Was told I had to wait until renewal to replace surplus with my own insurance. Meanwhile, I moved XXXX times and did not receive any notice. 
Present : Multiple calls and letters to bank. Some respnse that someone would reseaach, but no followup. The latest was XXXX XXXX at XXXX ; fter no word or return calls for XXXX weeks, found that he was no longer with company. Loan was about to be foreclosed. 
XX/XX/XXXX XXXX XXXX XXXX approved foreclosure. She noted tht there were over XXXX file notes that not her concern. Foreclosure due to non-payment for over 108 days. I HAVE NEVER MISSED A PAYMENT. She is responsible for the forecloser if not paid by XX/XX/XXXX. There are no errors on the part of the bank. 
I have bank statements and have also provided over XXXX years of accounting trying to track my payments. I filed an insurance/escrow research request with the bank. The loan is scheduled for foreclosure tomorrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 35 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 35 days, so they should be erased immediately.
Product: Debt collection

I am being wrongfully charged {$200.00} from this collection agency on behalf of XXXX. I have spoken to XXXX and they have no recollection of this account. It appears someone is opening accounts without my knowledge. This account is on my credit report and affecting my credit score, I am requesting it be removed as this is NOT my account. I have never opened an account with this company and do not owe them money. I am being charged {$200.00} through the collection agency ENHANCED RECOVERY COMPANYXXXX XXXX XXXX, XXXX ( XXXX ) XXXX have tried contacting this agency to no avail.. I did not receive any notices until I checked my credit and saw this charge on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention that it has been 30 days since I initially requested the verification and validation of certain accounts listed on my credit report. To date, I have not received any documents or communication from you or the respective creditor confirming the accuracy and legitimacy of these accounts. 

As per the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to investigate and respond to my request within 30 days of receipt. Failure to do so not only constitutes a violation of my rights but also places both you and the creditor at default under the FCRA. 

I would like to reiterate that the specified timeframe has expired without any documentation bearing my signature or any supporting evidence demonstrating the authenticity and late payment status of the mentioned accounts. Consequently, I demand the immediate removal of the following accounts from my credit report and an update of the late payments to reflect them as paid on time, as originally agreed upon. 

XXXX THE FOLLOWING ACCOUNTS TO NOT BELONG TO ME : XXXX XXXX XXXX Account last four # : XXXX XXXX XXXX XXXX Account last four XXXX XXXX Account last four # XXXX XXXX XXXX Account last four # XXXX XXXX XXXX XXXX  Account Last four # XXXX THE FOLLOWING ACCOUNTS ARE NOT LATE AND NEEDS TO BE UPDATES AS PAID ON TIME AS AGREED : XXXX XXXX Account last four # XXXXPAID AS AGREED ON TIME THE FOLLOWING ADDRESS DOES NOT BELONG TO ME- DELETE XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX XXXX THE FOLLOWING ACCOUNTS TO NOT BELONG TO ME : XXXX XXXX  XXXX  Account last four # XXXX XXXX Account last four # XXXX XXXX XXXX XXXX Account last four XXXX XXXX XXXX  Account last four # XXXX THE FOLLOWING ACCOUNTS ARE NOT LATE AND NEEDS TO BE UPDATES AS PAID ON TIME AS AGREED : XXXX XXXX Account last four # XXXXPAID AS AGREED ON TIME THE FOLLOWING ADDRESS DOES NOT BELONG TO ME- DELETE XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX EQUIFAX THE FOLLOWING ACCOUNTS TO NOT BELONG TO ME : XXXX XXXX XXXX Account last four # : XXXX XXXX XXXX XXXX Account last four # : XXXX XXXX XXXX XXXX Account last four XXXX XXXX  XXXX Account last four # XXXX XXXXXXXX  Account last four XXXX XXXX XXXX  XXXX Account last four # XXXX XXXX XXXX  XXXX Account last four # XXXX XXXXXXXX  Account last four XXXX XXXX XXXX XXXX XXXX  XXXX Account last four # XXXX XXXX XXXX XXXX XXXX Account Last Four XXXX XXXX XXXX XXXX XXXX  Account Last four XXXX XXXX THE FOLLOWING ACCOUNTS ARE NOT LATE AND NEEDS TO BE UPDATES AS PAID ON TIME AS AGREED : XXXX XXXX Account last four # XXXX-PAID AS AGREED ON TIME XXXX XXXX Account Last four # : XXXX - PAID AS AGREED ON TIME THE FOLLOWING ADDRESS DOES NOT BELONG TO ME- DELETE XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to have Experian validate an account theyre reporting on my credit file from XXXX XXXX. After several failed attempts in requesting that they validate and provide copies of any documentation associated with this account, bearing my signature. I have been keeping carful records of all actions that Equifax has taken my originals letters have made it very clear that I do not consent to XXXX or any other means of automated verification. Several letters requesting this information was delivered and received by Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as of today XX/XX/XXXX they have fail to comply with the Fair Credit Reporting act and to my request this is my final attempt at resolving this issue before proceeding with filling a lawsuit and having a judge order Experian to provide this information in the court of law. 

Please note that I have kept a very detailed paper trail for this matter and have all the proper documentation to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

made payments in XXXX XXXX which brought account to current. However, it 's showing account was closed on XXXX XXXX. Repossession/Closed.
Product: Debt collection

I guess money key sold my information to I dont know who and theyve been calling my sisters and Job pretending to be a government official of XXXX and that they would take legal action I will attach a transcript of what they called messaging my sisters. Same voicemail was left to my employer.
Product: Money transfer, virtual currency, or money service

This not a duplicate complaint! 
On XX/XX/18, I used Bank of America app to send my mother money. The only option it gives you to send money to another person is to use XXXX. My mother could not activate and verify an account with XXXX. The day I transferred the money to my mother, she was had problems activating the account to accept the money. I called Bank of America and reported the issue. I was told by Bank of America if she is unable to accept the money the money would return in 14 business days. My mother never received the money I transferred. I never received the money back. I made several calls and filed several complaints with Bank of America. I tried reaching out to XXXX and they told me to call Bank of America. Bank of America reports that they reached out to XXXX XXXX XXXX  where the money was being sent and they refused to release the funds back. Even though the money never reached the recipient. XXXX XXXX XXXX  responded to the compliant and stated they do not accept XXXX transfers so not responsible for the return of the money. Between Bank of America and XXXX one of the them is holding the money. Bank of America and XXXX both ADVERTISE that the app lets you send money to anyone and that's not true. I have attached XXXX XXXX  response that they never received any money since they don't have any agreement with XXXX to accept money. And Bank of America and XXXX keeps passing the blame on each other. I want to know where is the money since XXXX never accepted on behalf of my mother.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX XXXX XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Mortgage

I am working with Chase mortgage to short sale my home. I owe more than it is worth since the area it is located in had lost a lot of value. The home is located at XXXX XXXX XXXX, XXXX, XXXX XXXX. I had to relocate to XXXX for my job in 2012. We were unable to sell our home at that time as we would have lost too much money to be able to sell it, so we rented it out. It has been a burden to maintain and keep renting for us from so far away and we are attempting to short sale the home. Chase initially evaluated our application for a short sale and denied us but did not take into consideration all the expenses that we have going out on a monthly basis. I am self employed and as such I keep back money in my business account to pay taxes on my income yearly. when Chase looked at the business income and account, and then looked at the bills we have solely listed on our credit report, they felt that we had more than enough income to cover the sale of the home and the loss of money. The fact is that we do not. Since the initial evaluation, the money in my business account has now paid my taxes and expenses, and is significantly depleted. They did not take into consideration the expense of taking care of my family day to day. I have my wife and we have XXXX children. Even though I submitted all my expenses, I was told by a loan representative that they only looked at income, bank balances, and credit report. They did not take into consideration any other expenses. So I guess in their mind, as long as you can pay them and nothing else, then you should be able to afford it, never mind the day to day expenses of raising a family of XXXX. Now we are 4 months behind in our mortgages on that house as we do n't have a renter and we can not afford to pay on the house we live in here in XXXX and the house in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint with the CFPB regarding a dispute of a charge w  ith Barclaycard. The amount has always been in dispute. As a result of that complaint, the President 's office of Barclaycard agreed to remove all late charges and interest from my account and I am now in a billing cycle in which I can pay the charge with no fees.
Nevertheless, Barclaycard reported my account past due with late payments assessed to all   XXXX   major credit reporting bureaus. I have disputed this reporting with all  XXXX  credit reporting bureaus and   XXXX   has responded with an unsatisfactory result.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  and tin used to financially abuse my credit report by constantly putting on and taking off late payments that were made in compliance with the change of payment date from the XXXX  to the XXXX during the pandemic. Within the past 30 days they have made six changes to my credit report as my loan officer has been documenting everything like I have. They have recently blocked my account balance from being shown after they lied to the credit bureau that my balance was over {$2900.00}. I can not speak to this company because their representatives are uneducated disrespectful southern customer service representatives that are trained in collections not customer service. My Exhusband is responsible for this account, I paid two months out of my own money and instead of updating the balance they reported the balance almost twice as much to the credit bureaus. They know exactly what theyre doing it is one lady that handles this account and I would like to know her legal name. Consumer finance needs to investigate this company to the very end.
Product: Debt collection

IC System has refused to acknowledge my debt validation letter. I mailed it certified on XXXX/XXXX/16. I do not owe this purported debt. I am attaching a debt validation letter and proof that I do not owe this debt. By law they are required to respond to my validation letter. Once they go through the validation processs, they will see that I do not owe this debt.
Product: Mortgage

I paid off my loan and received an escrow refund check which bounced. I have called 6 different numbers associated with this company, and in every call I was directed by the automated system that ends up hanging up on me.

Loancare LLC a subsidiary of XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has violated my consumer rights reporting information that is obsoelete and degrading my character and rights i have never authorized XXXX XXXX to report anything to any credit agencies so with that being said under the XXXX that is most definitely viloating my rights nor have i did business with these creditosr i have reached out to the companies demanding to remove these accounts and i have sent XXXX demand letters im now filing a class action law suit against XXXX XXXX, XXXX, and transunion, XXXX XXXXwas sent a police report which was denied they stated i need a new police report which is not truei only need one which the one i provided as of XXXXall companies has been violating my consumer rights and reporting obsolete information i also gave XXXX a demand letter demanding to remove fraudulent accounts they did not complete a verified investigation nor did they provide me any proof of how the fraudulent accounts verified this now has been referred as a civil lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of this information is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation.