23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, IL, XXXX XX/XX/year> Portfolio Recovery Associates, XXXX XXXX XXXX XXXX, VA, XXXX Subject : Request for Debt Validation Dear Portfolio Recovery Associates I am writing in response to your recent communication regarding an alleged debt, referenced as account number [ Account Number, if available ]. This letter serves as my formal request for validation of the debt as outlined in the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide me with the following information to validate the debt : Verification of the Debt : Proof that I am responsible for the debt, including the original creditors name and address. 

Amount Owed : A detailed breakdown of the total amount claimed, including principal, interest, fees, and other charges. 

Documentation : Copies of all documents that support your claim and demonstrate that I am liable for this debt. 

Chain of Ownership : If the debt has been transferred or sold, provide proof of the complete chain of custody, including all assignments, transfers, and sales of the debt. 

Verification of Your Authorization : Proof that your agency has the legal authority to collect this debt in my state.

Until you provide the requested information, I request that you cease all collection activities related to this alleged debt, including reporting it to credit reporting agencies, as required by law.

Please note that this is not a refusal to pay but a request for clarification and validation of the debt. I expect your response within the legally mandated timeframe. 

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

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Self XXXX XXXX has continued to harm my credit. I never opened the card. It is not my debt. I have sent them certified letters to remove this off my credit score they are refusing to do so. I dispute this at least three to four times a year and all three agencies are automatically verifying debt. This is unfair to me. I have a fraud alert set on my account now but this is harming me now 4 years. Please help me.
Product: Mortgage

On XX/XX/year>2025 I noticed my mortgage company, Flagstar Bank, had double paid my XXXX Taxes in the amount of {$2700.00}. I immediately called them and have still not received a resolution as of XX/XX/year>2025. 

After making this error, Flagstar Bank has sold our loan to XXXX XXXX XXXX XXXX, which has not been helpful at resolving this either. 

So my mortgage payment has gone up to account for the shortage as well as the future expectation of paying double tax next year. I have been forced to pay over {$500.00} extra until this is corrected. 

I have reached out to the Tax office and confirmed the refund was issued to the bank, but after multiple calls I still have no resolution and I am constantly just given the run around.
Product: Vehicle loan or lease

I tried to add my non-Truist checking account to my loan account to make payments from but they will not " verify ownership ''. They want me to open a Truist checking account to make payments from, which I do not want to do. I chatted online and they offered to make a payment manually, but I want to be in control of making the payments.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts and inquiries from my credit report due to fraudulent activity as a result of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these unauthorized entries removed. Please find the details of the accounts and inquiries below : Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX - XXXX - XX/XX/XXXX - {$7300.00} XXXX - XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$420.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

They accounts were on fraudulently opened. I tried to dispute it with the companies involved but they were not helping.
Product: Mortgage

I am XXXX years old and what AAG did to me is not correct. My name is XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX, email XXXX ( address is also the one in this rev mortgage ) On XX/XX/2019 I received a phone call from AAG reverse sales person XXXX XXXX. The 1st question asked is if I was married and I said yes, separated, going through a divorce but basically 'yes I am still married '' I told AAG , they said we'll work around it no problem, I pay {$120.00} for the counciling fee, I pay {$570.00} for aprasail.the {$650.00} for foundation inspection and I borrowed money to do so. All paperwork approved and in order and the day I was approved and to sign, on XX/XX/19, almost two months later they state that I could not get a loan because I was still married. On the first day AAG and I discussed this and AAG said no problem I will get the loan said I'd get it anyrate. My house is owned 100 %, no mortgage or debt, solely by me, nobody 's name but mine is on it. My house was paid cash by me and Deed states so, BUT FOR AAG TO TELL ME THAT I'M MARRIED AND DON'T QUALIFY ON LAST DAY SUBJECTED ME TO FINANCIAL ABUSE, ( I WAS PROMISSED IN WRITING I'D BE GETTING  OVER $ 70K, AND TOOK OUT LOANS FOR AAG 'S COSTS AND MY BILLS ) I WAS LYED TO, I WAS ABUSED AND I FEEL THE STRESS THEY PUT ME UNDER FOR 2 MONTHS WAS TOTAL ELDER ABUSE AAG SHOULD RETURN ALL MY LOST TIME AND MONEY AND STRESS FOR LYING TO ME ... 2 months of wasting my time and with unbelievable stress for them to lie to me, put me in more debt, I'm going to go to Court not small claims, because they cost me {$10000.00} for a promised payment I did not receive this isn't right. It's Elder Abuse with my money.They still have a lien on my property they never gave me money for, hurting me in other financial directions.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your company notice pursuant 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your company did even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( K ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such noticed may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 16011 ( a ) a consumer must be aware of the cost of transaction. Since i was not aware of the transaction therefore made uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

DELETE THESE LATE PAYMENTS PURSUANT TO 15 USC 1681A ( d ) ( 2 ) ( i ) XXXX XXXX XXXX XXXX From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things, XXXX XXXX XXXXXXXX XXXX XXXX 

DELETE THESE ACCOUNT OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) If you accept my request, i will not escalate this matter to Federal Court. in case, you dont accept the above request, a legal action shall be taken against your your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely XXXX XXXX All Rights Reserved Without Prejudice
Product: Credit reporting or other personal consumer reports

I looked over my credit report on XX/XX/2024, and I found some addresses that appear to be incorrect. According to the Fair Credit Report Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Experian continues to report my name, my address, and phones number incorrect on my credit report. I reached out to them through phone and explained them that the only correct name XXXX XXXX XXXX, the correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and the only correct phone number is ( XXXX ) XXXX.
Product: Mortgage

My loan with Carrington Mortgage Services was originated on XX/XX/XXXX - until the month of XX/XX/XXXX, I have always made my payment online with XXXX surcharges added to my monthly payment. As of XX/XX/XXXX - Carrington Mortgage is now requiring an additional {$5.00} convenience charge in order to pay my mortgage online. Additionally, if I were to make my payment over the phone I would be charged over {$20.00} to make the payment. I do not have checks to make this payment via mail, and I should not have to incur the cost of postage for a task that was previously free, and one that I did not previously agree to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : XX/XX/XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal mobile phone account opened at XXXX XXXX on XXXX, XXXX under the account number ( XXXX ) with a balance of ( {$3200.00} ). This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I did not authorize that my credit should be ran With these companies and I am unaware of this transaction : XXXX XXXX XXXX XXXXXX/XX/XXXX Global Leading on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I never authorize any of this transaction With that being said, Ive reached out to the credit bureau and nothing has been done. I reach out to these agency and nothing has been done. Immediately action will be taken, and these will be removed from my credit report
Product: Money transfer, virtual currency, or money service

I received a Consumer File Disclosure Report from Certegy Payment Solutions , LLC on XX/XX/2019. 

It indicated that I had attempted to cash a check at XXXX XXXX for {$300.00} on XX/XX/19. The check number was XXXX. The recommendation to the client was " Not authorized-reason below ''. 

" This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines, which may vary by check cashing location and transaction. Failure may include a combination of : the check number, dollar amount, check cashing history, or other transaction details. '' I called Certegy and advised them that I did not attempt this transaction and asked that it be investigated and then removed. I had indicated to them that I had had identity theft, but even with that said, I did not do this transaction. 

I haven't heard anything back from them.
Product: Credit reporting or other personal consumer reports

THE CREDITOR XXXX, HAS DELETED THE MONTHS STARTING XX/XX/XXXX ALL THE WAY THROUGH XX/XX/XXXX MAKING THE FIRST XXXX ENTRY XX/XX/XXXX. WITH THESE MONTHS BEING DELETED THEY HAVE DELETED THE PAYMENT HISTORY BALANCE HISTORY, THE CORRECTION OF THE REPO TO STATUS OF CURRENT. THEY ALSO HAVE DELETED ALL OF MY ONTIME PAYMENTS THAT WHERE MADE DECREASING MY OVERALL CREDIT HISTORY. As seen in the document labeled XXXX which has since been deleted and XXXX which is no longer being reported. ( XXXX deleted this account to conceal the wrongful repo ) BY DELETING THE PREVIOUS HISTORY AND RESTATING THE XXXX ENTRY IN XX/XX/XXXX THE MONTH AFTER THE ILLEGAL REPO THEY ARE GIVING THIS ACCOUNT THE APPRANCE OF BEING REINSTATED AND THEN I DEFAULTED ON THE REINSTATED ACCOUNT. THIS IS INCORRECT AND NEEDS TO BE DELETED. As shown in XXXX THE WAY THIS ACCOUNT STANDS THIS IS NOT MY ACCOUNT. I NEVER HAD AN ACCOUNT WITH XXXX XXXX. I NEVER HAD A LOAN WITH 98 MONTHS. I NEVER HAD A LOAN REINSTATED. THIS LOAN IS BE REPORTED AS THE HIGH BALANCE WAS {$11000.00} AND I STILL HAVE 100 % LEFT TO PAY ON THIS LOAN. THE FIRST XXXX ENTRY IS XX/XX/XXXX. THERE IS NO REASON TO ADD " CHARGE OFF '' STATUS STARTING IN XX/XX/XXXX. THIS IS INCORRECT AND NOT MY ACCOUNT. 

I have included the idenitytheftreport from the FTC along with the police report filed due to fradulent accounts. I did not open the XXXX XXXX nor give XXXX permission to open an fradulent account in my name!!! 
DELETE THIS ACCOUNT AT ONCE!!!! 

Document contractbi-weeklypayments shows the terms to the now deleted account CNAC-il.
Product: Credit reporting or other personal consumer reports

My account with the XXXX and i was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 MONTHS REPORTING LATE 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.

This company 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

I have had autopay set up on my credit card for years. Recently capital one changed something in their processing and for 3 months my auto payments did not go through. I was never notified and eventually a third party app XXXX XXXX XXXX XXXX made me aware of the missed payment. I immediately called capital one and made sure the autopay was on and the payments would start being processed again after they changed their system. Now my XXXX XXXX has been affected due to capital one changing their system and me not being notified. After years of not missing a payment, this happens and now my XXXX XXXX has dropped over XXXX points. I was never contacted by capital one or given any notification. I don't think my XXXX XXXX should be affected because they changed something in their system that no longer allowed my auto payments to go through. Especially after years of always paying on time and this is the only credit card I had an issue with.
Product: Debt collection

Hi Unknown COLLECTION IC SYSTEM-acct # XXXX for {$410.00}???!!! ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, I DON'T KNOW WHO BUT SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME, THE CHARGES THE PAYMENTS ARE ALL FRAUDULENT. I NEED THIS ACCOUNT TO BE REMOVED FROM XXXX XXXX CREDIT REPORT AS IT IS ONLY REPORTING ON THAT BUREAU. AGAIN THE CHARGES, THE PAYMENTS NEVER CAME FROM ME. IF THE PAYMENTS CAME FROM A BANK ACCOUNT UNDER MY NAME THAT IS ALSO A FRAUDULENT ACCOUNT. I HAVE SUBMITTED MY FTC REPORT TO XXXX XXXX NUMEROUS TIMES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has added a fraud alert to my credit report without my requesting it. This is a violation of FCRA regulations. I do not understand how they feel this helps after the damage is done.
Product: Credit card

Hello, Recently I tried to set up automatic payments on my Chase charge card, but the online choices were only minimum payment or payment in full. It is obvious that the plan is to stretch out payments for the many people who take advantage of automatic payments, but do n't want to go online to make an additional payment every month. I believe this strategy unethical and must be changed. For example, XXXX gives the customer a choice of minimum payment plus an additional amount. 

In order to improve payment plans for consumers, payment choices must be more flexible, and beneficial for the consumer! 

Please fix this problem! 

XXXX
Product: Credit card or prepaid card

COMENITYBANK/NY & CO Credut card was opened fraudulently using my personal information. This was not authorized by me. 

I was out of the country from XX/XX/XXXX to XXXX of XXXX. 

See attached FTC affidavit of identity theft.
Product: Checking or savings account

The process on presentment of transactions and returned due to NSF. 
This bank does not show an item presented for payment on the daily transaction activity you can view on their mobile app. The item is returned NSF but reversal does not show on activity. 
The customer is unaware until the payee notifies them. Customer has no documentation on the account to show the presentment and or reversal. 
Even though it can be determined the item was not deducted, the presentment and reversal should show on the account. You have no proof to show the payee that it was even presented.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries appeared on my credit report this morning, and Im at a loss as to why. My routine check showed unexpected discrepancies, and refreshing my browser didnt resolve the issue. I urge you to thoroughly review the documents I've submitted so that this matter can be resolved immediately and I can stop worrying about it.
Product: Debt collection

I keep getting these notifications from a junk debt buyer named Jefferson Capitol systems trying to collect on debt that I have no idea of and is probably past the statute of limitations, They do not provide the necessary backup and probably buy tons of this debt for pennies on the dollar. 
Why are they allowed to stay in business. Fraudulent. 
Please have them stop contacting me and if I see anything on my credit report from them I will take the necessary legal action. 
They know that if you contact them it starts the clock running on debt that could not be collected on in the past.