23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Midland Credit Management IncXXXX XXXX XXXX for Violation of FDCPA and FCRA To whom it may concern, I am writing to file a complaint against Midland Credit Management, Inc and XXXX XXXX XXXX for violations of the Fair Debt Collections Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) Details of the issue : On XX/XX/XXXX I sent a certified debt verification letter as per FDCPA Section 809 ( b ) to Midland Credit Management, Inc to verify a debt they claimed I owed. I also exercised my right under the FDCPA to request that they cease all collection activities, including reporting the debt to credit reporting agencies until they provided me with proper verification of the debt. In response to my letter I was only provided with a few statements ( large gaps in statements ) by mail on XX/XX/XXXX, without additional documentation to verify the validity of the debt. 
This response is inadequate and does not constitute proper debt verification under the FDCPA. Proper. At minimum proper verification should include : Proof of original debt ( copy of original contract and statement of account ) Proof of debt ownership- Chain of title/custody Itemized account statement ( Breakdown of the amount owed and payment history ) Information of the original creditor ( name of original creditor and date of the original debt ) Account number Status of debt ( Charge off or open ) Despite the letter sent and request to verify the debt Midland Credit Management IncXXXX XXXX XXXX XXXX has failed to verify the debt. Furthermore, they have continued to report on this debt to credit reporting agencies even during the dispute period. This has caused damage to my credit report and violated my consumer protection rights and also FDCPA and FCRA Laws Violations 1. Violation of FDCPA Section 809 ( b ) : XXXX XXXX XXXX continued to report the debt to credit reporting agencies without first providing me with the verification of the debt as required by law. 
XXXX. Violation of FCRA Section 623 ( a ) ( 3 ) : By continuing to report the debt without verifying it, XXXX and Midland have provided inaccurate information to the credit reporting agencies XXXX. Violation of FCRA Section 611 : These companies have failed to properly investigate the disputed debt, leading to further reporting of inaccurate information Impact Due to XXXX XXXX XXXX Midland Credit Management XXXX Inc actions in misreporting ( reported on XX/XX/XXXX, and updated report on XX/XX/XXXX, by increasing the amount and also reported again on XXXX XXXX, & XX/XX/XXXX ) my credit score has been negatively impacted and I have experienced unnecessary stress and anxiety. I believe this a clear violation of my consumer rights
Product: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX, XXXX  XXXX Inquired on XX/XX/XXXX XXXX
Product: Debt collection

XX/XX/XXXX LVNV Funding LLC/ Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX VALIDATION AND CEASE AND DESIST AND DO NOT CONTACT MY CREDIT Re : LVNV Funding LLC/ Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Account # : XXXX Dear Sirs/Madams, In reading your response to my complaint # XXXX with the CFPB. I noticed that you did not actually validate the debt you seek. The submission of a " summary account report '' is not validation of the debt, as the particular information requested was not provided. I dispute this debt, and the amount posted on your summary ( Attached to this complaint ). According to code 12 CFR 1006.26 this debt has exceeded the time-barred statue limitation according to your summary report. The date of last payment activity was XX/XX/XXXXXXXX  This debt is not mine and maybe an act of Identity Theft. Can your company provide me with any payment history of me making any payments on this debt to the current or previous owner. 

Again, I am requesting that is account be removed from my credit reports immediately as you have violated FCRA 15 USC 6802 and 15 USC 1681 ( b ) or please provide me with any contact between myself and XXXX XXXX or myself and LVNV Funding with my signature entering in any type of contact of service. I have not received a validation response to my request for verification on the debt other than your Account Summary report which does not serve as VALIDATION OF DEBT. You have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. 







As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided. None of the above were provided to me.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO. 
UNDER FEDERAL LAW : Pursuant to Haddad v. Alexander, Zelmanski, Danner & Fioritto, PLLC, 13-2026, 2014 WL 3440174 ( 6th Cir. July 16, 2014 ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate the debt amount. 
Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : 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

Incorrect addresses below are showing on my credit reports and I have asked previously for them to be removed. 

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

I am writing to request the removal of certain items from my credit file. I am a victim of identity theft and have identified multiple accounts and inquiries on my credit report that I did not apply for. I have attached a XXXX document outlining the specific items that I believe need to be deleted. 

In accordance with Section XXXX of the Fair Credit Reporting Act, I respectfully request that these fraudulent items be blocked from my credit report. I have also filed a report with the Federal Trade Commission regarding this identity theft, and I have enclosed a copy of that report for your reference.
Product: Credit card or prepaid card

For the last month I have been getting calls from American Express for another person. I have explained to representatives daily for the last 3 business days ( XXXX, XXXX, and XXXX ) and again today, XXXX that I am not the person they are looking for. One rep attempted to imply I am somehow associated with XXXX XXXX, however this is not the case. The number they are calling has been my registered number for over 15 years. 
I am beyond frustrated and annoyed now as I'm wasting time at work talking to representatives to be assured I will be removed however that has not happened. 

I do not have a card or account with American Express AT ALL.
Product: Money transfer, virtual currency, or money service

I provided a digital service to another person in exchange for {$80.00}. I had been doing so for a number of months. ( years? ) the individual was unhappy that would not be providing the service. Therefore the individual filed a complaint with Paypal, even though they had no issue with the service already received and paid for. The individual made no claim that there was any issue with the service. 

Paypal refunded the individual simply because they asked. Paypal did not perform due diligence or act in good faith by refunding the individual.
Product: Credit reporting

Wells Fargo Bank is reporting a foreclosure on a property that my wife and I use to own. We were never foreclosed on with Wells Fargo. This is false and incorrect reporting on our credit report. At the time the foreclosure was reported, we did not own the property
Product: Checking or savings account

On XX/XX/2021, I deposited a check in person with a branch teller inside Chase at XXXX XXXX XXXX XXXXXXXX, TX XXXX. I have my printed receipt copy for that deposit in the amount of {$10000.00}. That check deposit is missing from my bank account. 

The following day on XX/XX/2021 at XXXXXXXX XXXX  CT when I noticed the deposit was not pending my account, I called the general Chase Customer Service line who then transferred me to Chase Claims Department. I was told that because the deposit was made in person at the branch, I needed to reach out to the branch directly. That call lasted 15 minutes. 

On XX/XX/2021 at XXXXXXXX XXXX CT, I called the branch directly and spoke with a representative about my missing check deposit. The representative took my name and number and said a manager would need to look into this and would call me back. That call lasted 10 minutes. 

On XX/XX/2021 at approximately XXXX XXXX CT, after not receiving a prompt call back, I walked into the branch in person and spoke with XXXX XXXX XXXX, the associate banker who was looking into my account. She said she filed a claim regarding the missing funds, handed me a claim number on a sticky note, and said to expect a temporary credit to be in my account within 1 day. She gave me her business card and the business card of the branch manager and said the branch manager wasn't here but has been made aware of the situation. 

On XX/XX/2021 at XXXXXXXX XXXX CT, I wrote an email to XXXX XXXX and the branch manager/VP, XXXX XXXX XXXX, informing them that the funds were still missing from my account. 

On XX/XX/2021 at XXXXXXXX XXXX CT, I promptly received a call from the branch manager/VP XXXX XXXX XXXX. She informed me that the teller made an error with my deposit and had accidentally voided my transaction. She informed me that my check was on it's way into storage and that it would take approximately 2 weeks to locate my physical check. She said she was working to expedite a temporary credit on my account for the missing funds. 

On XX/XX/2021 at XXXXXXXX XXXX  CT, XXXX XXXX XXXX called me to inform me that the Chase Research Department denied my claim for a temporary credit. At that time, she informed me that my best action may be to contact the issuing company to stop payment on the check, request they mail me a new one, and start over with a new deposit. There was nothing further they could do for me at this time other than apologize and offer to cover any fees I may incur to try to expedite a new check from my vendor.

I have my receipt showing proof of deposit, Chase has my check, and I am missing {$10000.00}.
Product: Money transfer, virtual currency, or money service

I need all money refunded to me that I lost on cash app
Product: Money transfer, virtual currency, or money service

I had XXXX XRP ( ripple ) coin mysteriously disappear from my Coinbase wallet on XX/XX/21 the app updated through the night and now I have XXXX XRP coin and no receipt of the destination is was moved to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute regarding incorrect balance and payment history with reporting agencies XXXX  and XXXX. Upgrade responded via email with an obviously stock robo answer that information was indeed correct and that it takes 30 to 60 days for the reporting agencies to update information. They are the only creditor that I have where this seems to be the case. I resubmitted an additional dispute and received the same response. I then filed a complaint on this website after seeing my score drop 18 points. Upon further investigation it appears now that rather than correct the information they have reported to the credit reporting agencies my account is now reported as being closed. Which it is not. It sure didn't take 30 to 60 days to report my account as closed. Seems a bit retaliatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to the attached XXXX report, page 3 of 4, indicating the deletion of XXXX XXXX, # XXXX has been deleted. Refer to the attached ID THEFT report also, and promptly delete this account Please refer to the attached XXXX report, page 3 of 4, indicating the sentence, The disputed item is not currently reporting on the XXXX  credit file. Public Record : Bankruptcy : XXXX. I have never filed bankruptcy. There should not be a disparity between what XXXX is reporting and your reported data. Refer to attached ID THEFT report also, and promptly delete this account.
Product: Credit reporting or other personal consumer reports

There are Inquiries on my credit report from XXXX XXXX XXXX that I did not initiate or authorize.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 1681g ( e ) ( 1 ) Election of consumer to be excluded from lists In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. Lastly, I exercise my right per the FCRA as a federally protected consumer i am now opting out any & all authorization i the consumer may have given the said company written, unwritten, verbal & non verbal per 15 USC 6802
Product: Money transfer, virtual currency, or money service

I was charged XXXX by Chime for using an out of network ATM, on top of the XXXX fee the ATM operator charged. I understand that this is in alignment with the terms and service that I agreed to, I, however, still believe this to be an extortion junk charge. I am unaware of any technological, physical, or hypothetical justification for charging extra money to complete electronic transfers and quickly. Chime isnt paying anyone anything more for me to access my money. Theyre just charging me for the convenience. 

Further, the fact that it costs me either {$3.00} or 3 to 4 business days to move money from my bank account into my XXXX XXXX account is also junk. I can send {$100.00} to my friend instantly for no fee. And they can send me {$100.00} instantly for no fee. So why can I not send myself {$100.00} instantly for no fee?
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to address discrepancies found in my recent credit report, which I received and reviewed. Upon careful examination, I discovered inaccuracies within certain accounts listed on my consumer report. It appears that this agency is in violation of 15 USC 15 USC 1681i.

In response to my dispute regarding the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, your agency claimed validation of inaccurate information. However, I wish to formally dispute the accuracy of this account. The information furnished regarding this account on my consumer report is, in fact, inaccurate.

According to 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

The reporting of these account ( s ) constitutes violations of 15 USC 1681e ( b ), which mandates accuracy of reports. The agency is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How can inaccurate information be verified? It appears that METRO2 Compliance procedures and reporting format have been violated.

I hereby request the immediate deletion of this account from my consumer rep
Product: Payday loan, title loan, personal loan, or advance loan

request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the equifax credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Debt collection

I am writing this letter in extreme frustration and dismay regarding the fraudulent accounts that continue to persist on my credit report. It has come to my attention that despite my numerous attempts to resolve this issue, there has been no satisfactory resolution. This situation is not only damaging my financial reputation but causing me severe emotional distress. 
XXXXXXXX XXXX XXXX THIS IS FRAUD, PLEASE DELETE!!!! 
It has been months already since I initially reported this issue, and yet, these fraudulent accounts persist on my credit report without any explanation or resolution.I would like to remind you that under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as a credit reporting agency to ensure the accuracy and integrity of the information you provide to lenders and consumers. It is also your responsibility to promptly investigate and correct any inaccuracies or fraudulent information on a consumer 's credit report. I believe that your continued failure to address this issue is a clear violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint regarding two debt collections that are in error to you. Complaint Number XXXX. After checking my credit report the debt collector XXXX for XXXX XXXX was taken off my credit report. I checked my credit report on XX/XX/21 and it was put back on my credit report. The other XXXX  for XXXX is being paid monthly by XXXX XXXX XXXX XXXX. I was told that when a collection is settled my credit score should go up. That did not happened. XXXX ghosted my social security number. XXXX XXXX XXXX is the debt collector not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX  Account : 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. 


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

THE ACOOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY CARD AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2021 I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit report act XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I submitted my tax refund to XXXX XXXX  who approved me a tax advance on XX/XX/year>. They sent it to credit karma who deposited it into a closed account. Since they closed the account without notice to me, they issued me a check and stated it would take 10 business to get to me. I never received it and have been attempting to get my money since. They keep sending me to a department that only emails and that department hasn't responded in a week at this point. They are withholding my refund for almost a month and will not deposit it into the new account they forced me to make.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report I have 6 listed dates of loans taken out from AFFIRM INCXXXX within 2 months. This is not me at all. Here are the dates/account numbers/Loan amounts below : XX/XX/2022 / {$1900.00} XX/XX/2022 / {$970.00} XX/XX/2022 / {$1500.00} XX/XX/2022 / {$410.00} XX/XX/2022 / {$380.00} XX/XX/2022 / {$2000.00} These accounts listed belong to a person I know who opened all these accounts using my social security number which is fraud that I want to dispute.