23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery Associates reported a debt to my credit report that I do not owe. This could be a result of Identity fraud because I have discovered other fraudulent accounts on my credit report and is working with the credit bureaus to get this issue rectified. I have disputed this debt with the collection agency and have had the credit bureaus sent Portfolio Recovery Associates my police report and FTC but the debt still remains on my credit report. Debt is listed as {$7500.00} and I am not sure if portfolio recovery is the original creditor of the debt. I need this account to be removed from my credit report and for the bills and phone calls to stop because this account does not belong to me.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS WERE USED WITH OUT MY PERMISSION WHILE BEING A VICTIM OF XXXX XXXX  I HAD NO CONTROL. I HAVE ATTACHED ALSO MY COMPLETED FORM. IN ADDITION TO BEING INVOLVED IN A SECURITY BREACH AT THIS BUREAU.I AM A VICTIM OF IDENTITY THEFT. XXXX  ACCOUNT I SENT THE CREDITOR A POLICE REPORT THAT WHY NO PAYMENT WAS EVER MADE. THIS WAS FRAUDENLNT. THEREARE ALSO UNAUTHORIZED INQUIRIES. XXXX  HAS CONTINUED TO HARRASS AND EXPERIAN HAS BACKED THEM..ALSOTHEY ARE REPORTING A ADDRESS IN XXXX I AM NOT AFFILIATED WITH THIS ADDRESS. I AM A VICTIM OF XXXX XXXX. I REQUESTED CREDIT BUREAU BLOCK THESE ACCOUNTS PURSUANT TO 605C OF THE FAIR CREDIT REPORTING ACT. THEY HAVE STILL CONTINUED TO NOT COMPLY WITH MY REQUEST.. I ATTEST THAT THIS INFORMATION BE REMOVEDPLEASE BLOCK THESE WITHIN FOUR BUSINESS DAYS AND SEND ME UPDATE AS A RESULT OF XXXX XXXXUS DEPT ED : Account number : XXXX, VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX | XXXX : VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX  XXXX : VICTIM OF XXXX XXXX PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT
Product: Credit reporting, credit repair services, or other personal consumer reports

A new hard inquiry was made on my XXXX  account for a Chase card on XX/XX/2018. I did not authorize this. This is likely identity fraud as it is the second hard inquiry that I did not authorize in the past month on my credit reports.
Product: Credit reporting or other personal consumer reports

This is my final notice to formally dispute the charge-off listed on my account. Despite previous attempts to resolve this matter directly, you have failed to address the issues in compliance with federal law. As a result, I have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and will escalate this matter further if necessary.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), reporting inaccurate, unverifiable, or incomplete information is illegal. Additionally, I have evidence that this account may have been illegally re-aged, which constitutes a direct violation of FCRA 605 ( c ). Re-aging accounts to extend the reporting period or mislead consumers is not only unlawful but also unethical.

Violation 1. Re-Aging the Account : Changing the date of first delin
quency to extend the reporting period is prohibited under federal law. This tactic misrepresents the account status and harms consumers like myself.

2. Failure to Verify : Per FCRA 611 ( 15 U.S.C. 1681i ), you are legally obligated to investigate and verify disputed information within 30 days. To date, I have received no valid documentation proving the accuracy of this charge-off. No 1099c form given.

3. Inaccurate Reporting : The reported information contains errors, including [ list specific inaccuracies, e.g., incorrect amounts, dates, or account statuses ].

4. Failure to Notify : Under FCRA 623 ( a ) ( 7 ), you were required to notify me of adverse actions, including reporting this account as charged-off. Failing to do so is yet another violation. 

Notice of Further Action : Please note that I have already filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your mishandling of this matter. If you continue to report inaccurate, unverifiable, or re-aged information, I will also file complaints with the Federal Trade Commission ( FTC ) and my states attorney general. Furthermore, I reserve the right to pursue legal action to hold you accountable for violations of the FCRA and Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ).

This is your final opportunity to resolve this matter without legal escalation. You have 15 days from receipt of this letter to comply with my demands.
Product: Mortgage

I receive from Wells Fargo every single year about this time an escrow disclosure stating that my escrow account projected balance is short of several hundreds dollars. And consequently, they pumped up my monthly payment. I reached out to them several times and their response is someone from management will get back to me, which never happened. I do my math and never figure out any way for my mortgage to increase that much. I know the escrow does fluctuate annually but sure not that much. The issue is that they have this concept of projected escrow for the following year, however, they start billing on XXXX XXXX of the current year and every year, which doesnt make any sense.
Product: Credit card

Netspend sent me 2 credit cards, in my name, with in a week. They are physical cards. When trying to resolve the matter to find out why I got the cards, there was no person to speak to. A found number requested me to enter my Social Security Number to proceed.

Finally found an option to opt out of marketing, but had to enter the card number to do so. A few days later, got another card in the mail.
Product: Credit reporting or other personal consumer reports

Contacting you to formally dispute a late payment reported on my XXXX card, XXXX XXXX and WFBNA accounts. I did contact the representatives on XX/XX/2025, XXXX card refused to assist with this matter. According to my records, the late payment reported on XXXX of XXXX is inaccurate and should be removed from my report. 
Under 15 U.S. Code 1637 ( b ) of the truth in lending, creditors are required to provide periodic statements that accurately reflect the terms and transactions of the account. If a billing error or failure provide sufficient notice of payment terms had ocurred, the creditor may not lawfully penalize the consumer for non payment.
Product: Debt collection

Over a year ago, Allied Collections started collecting on an account it said was owed to XXXX, in the amount of about {$470.00}. Around XXXX XXXX, I noticed they had reported it to various consumer credit reporting agencies, like XXXX. That month, I settled the account with Allied, on the condition that they request deletion of their tradeline from any credit bureau it had been reported to. I was told by the collection agent that Allied would be requesting deletion of their information from the credit bureaus. However, they did not do this, despite promises otherwise. I followed back up with Allied and they said they would take care of it and ensure their tradeline was deleted. Worse, when I disputed the information to EXXXX, Allied *confirmed* it was supposed to remain reporting to my credit history. As of XXXX XXXX, XXXX - almost a year after payment - the account remains.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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
Product: Debt collection

XX/XX/2020 XXXX XXXX XXXX a/s/o XXXX XXXX XXXX : O & L LAW GROUP, P.L ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Re : CASE # XXXX ( XXXX ) To Whom It May Concern : I wish to dispute the following charges that your company is attempting collection of : O & L LAW GROUP, P.L ACCOUNT # XXXX I am disputing the charges for the following reason ( s ) : XXXX XXXX XXXX a/s/o XXXX XXXX have alleged that I owe an undisclosed amount of debt. However, I did not receive any notice of debt till I received notice of garnishment from my employer XXXX XXXX. I have contacted and spoken to Mrs. XXXX, whom she could not explain to me the debt that I have owed. She explained to me that she will have the attorney contacted me in a few business days. After 4 business days and no contact was made I called O & L law group and spoke to an attorney from the law firm whom did not give me his name explained to me that he did not need to disclosed any debt information and he did not want to settle any debt and for me to use pubic information to find out myself. I have chosen to pursue my own attorney for assistances, and I will be sending a copy of this letter/ complain to CFPB. 
I have also attached an excerpt from The Fair Debt Collection Practices Act and would like to remind you that XXXX XXXX XXXX a/s/o XXXX XXXX must now provide me with proof of this debt for you to continue to collect this debt.
Product: Debt collection

Received a letter from Selip & Stylianou LLP trying to collect a debt that not validated inaccurate or incorrect.

VALIDATION AND CEASE AND DESIST Dear Selip & Stylianou LLP, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose : Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors : I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Debt collection

I am filing this complaint regarding an unknown debt reported by XXXX XXXX on my credit report, which TransUnion is reporting. I have no knowledge of this alleged debt and have not been provided with any documentation to verify its validity. Despite my requests, neither XXXX XXXX nor TransUnion has validated the debt as required by law. The continued reporting of this account is causing undue harm to my creditworthiness. 

Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I have the right to request validation of any alleged debt. This validation must include clear documentation proving that the debt is legitimately tied to me, along with information about the original creditor and the amount owed. XXXX XXXX has failed to provide any of this information. 

Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), TransUnion is obligated to ensure the accuracy and integrity of the information they report. By continuing to report this account without proper validation from XXXX XXXX, TransUnion is violating its legal responsibility to investigate and correct inaccurate or unverified information on consumer credit reports. 

I have contacted TransUnion multiple times regarding this matter, but no action has been taken to address the lack of validation or remove the unverified account from my report. The failure of both XXXX XXXX and TransUnion to comply with federal regulations has resulted in significant damage to my credit profile. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly. I seek the immediate removal of the XXXX XXXX account from my credit report across all three credit bureaus ( TransUnion, XXXX, and XXXX ) unless proper validation of the debt is provided. The lack of compliance with the FDCPA and FCRA is unacceptable, and I ask for appropriate enforcement actions to ensure this issue is resolved promptly. 

Thank you for your time and attention to this matter. I look forward to your assistance in rectifying this situation.
Product: Prepaid card

XXXX XXXX I received a vanilla gift card with the value of {$100.00} for a housewarming gift. When I open the card from the package, it was missing many numbers. I called vanilla gift card last week and told them of the issue. They proceeded to tell me that my card was damaged and they would send me a new one. Today XX/XX/2023. I received the replacement card in the mail with a XXXX balance, I called vanilla gift card and explained to them that the card that was sent to me had XXXX balance. She told me that the card had been used in XXXX. I proceeded to let her know that I have never used the card as it was missing numbers in the first place, I also mentioned to her that I have been looking on the Internet and there is a scam associated with vanilla gift cards, where they are selling cards with missing numbers in retail stores and manufacturers, keep the number so that they can later use them .I was never able to use my XXXX dollar vanilla gift card and I dont have the receipt as it was a gift. Vanilla gift card has not done anything to resolve this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is the 3rd party trying to collect in this debt. XXXX XXXX purchased this debt from Upgrade. Now XXXX is claiming that I owe them this debt. {$2600.00}, from XX/XX/year>. 
Summary of Complaint : I am submitting this complaint against XXXX XXXX concerning their collection practices and the validity of the debt they claim I owe. Below are the specific issues : Ownership of Debt : Provide documentation of the chain of ownership, including how the debt was purchased and transferred to the collector. 
Legal Collectability of Charged-Off Debt : Clarify how a charged-off debt remains legally collectable and why collection efforts are continuing.

IRS Reporting ( 1099-C ) : Explain why a 1099-C form has not been issued if the original creditor has canceled the debt for tax purposes. 
Compliance with FDCPA : Detail how the collector is adhering to FDCPA rules in their communication and collection practices. 
Use of OC-10 Federal Reserve Window : Explain whether the original creditor used an OC-10 Federal Reserve Window or similar process involving negotiable instruments, such as a promissory note, to settle this debt, and clarify why this debt is still being pursued if it was already processed through such mechanisms.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri identity theft laws, specifically Missouri Revised Statutes Chapter 570, Section 570.223.

It has unequivocally come to my attention that ( company name ) has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Section 570.223 of the Missouri Revised Statutes, underscores the severity of unauthorized access and misuse of personal information. This statute addresses identity theft and fraud, making it clear that unauthorized use of someone's personal information is illegal and subject to severe penalties.

I assert with unwavering certainty that I have not provided consent for ( company name ) to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that ( company name ) immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Section 570.223 of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that ( company name ) will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith. 

Sincerely, XXXX XXXX
Product: Debt collection

Dear Resurgent Capital Services, I am writing to request a copy of the 1099-C forms related to two charged-off accounts, as required by the IRS. 

The first account details are as follows : Account Number : XXXX Reference Number : XXXX Original Creditor : XXXX XXXX XXXX, XXXX. 

Charge-Off Date : XX/XX/XXXX Balance : {$6500.00} Acquisition Date by LVNV : XX/XX/XXXX The second account details are : Account Number : XXXX Reference Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX. 

Charge-Off Date : XX/XX/XXXX Balance : {$890.00} Acquisition Date by LVNV : XX/XX/XXXX According to the letter I received from you dated XX/XX/XXXX, both accounts have been charged off, but I have not yet received the corresponding 1099-C forms. 

Additionally, I request that you cease reporting this canceled debt to the credit bureaus, as your letter indicates that you are not the original owner of the debt. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Please ensure that this information is no longer reported to the credit bureaus. 

Please send the required 1099-C forms for these accounts at your earliest convenience. You can send them to the address listed above or contact me via email or phone if further information is needed. 

Thank you for your prompt attention to this matter. 

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

XXXX  through XX/XX/2018, I contacted all three credit reporting agencies and requested a deletion of the Credit Card Company 's  account of delinquency. I thought one of the agencies removed/deleted the bad 'mark. ' However, the XXXX XXXX XXXX XXXX XXXX said it still remand. I had a sickness and a death in the family which prevented me from pursuing after I sent verification of my identification to the credit agencies. Please, read my concern and attachments. Thank you for your anticipated cooperation and I look forward in hearing from you. 

With Warm Regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate the account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$5400.00}
Product: Money transfer, virtual currency, or money service

I was informed that recovering loss funds was impossible and that tracking these transactions was unfeasible. CFPP highlights significant issues with this platform.
Product: Mortgage

I have a biweekly payment schedule. I pay XXXX every two weeks. On XX/XX/XXXX our third payment for the month of XXXX was paid and New Rez did not apply the payment to the principal of the loan. I called they told me that they would investigate and send me info. I waited for a month and no response. I wrote a letter weeks ago and still no response.