23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, requested that XXXX XXXX XXXX XXXX send me debt validation of 2 alleged debts. XXXX XXXX XXXX XXXX responded with sending me a copy of the alleged agreement with a 1 page, un-notarized ledger enclosed. This is NOT debt validation. As validation would be a signed judgement order or an accounting which is signed and dated by the person responsible for maintaining the accounting general ledger. ( see : Spears v. Brennan, Pacific Concrete F.C.U.V. Kauanoe,62 Haw . 334, 614 P.2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32 , ( Hawaii Too 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr. 371, ( Conn. Super. 2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513A 2d 1218,201 Conn. 1 ( 1986 ). Also see : Solon v. Godbole, 163 Ill. App. 3d 845, 114 Ill. Dec. 890, 516 N. E.2d 1045 ( 3Dist.1987 ). ) Per my initial request, I again, demand debt validation. 

Also, for the agreement that XXXX XXXX XXXX XXXX has sent, the signature on the document is NOT my own. XXXX XXXX XXXX XXXX must provide accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, 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 an account without my written instructions. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, 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 an account without my written instructions. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX  Account, 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 an account without my written instructions. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX GA XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, 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 an account without my written instructions. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX ( XXXX ) XXXX On behalf of XXXX XXXX for 30 In accordance with the Fair Credit Reporting act XXXX Account, 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act TXXXX XXXXXXXX, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX A ) XXXX, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX have 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 an account without my written instructions.
Product: Debt collection

Hi, I relocated to XXXX from XXXX in XXXX 2015. Shortly after moving I transferred my insurance and registration to the state XXXX as required however I was not instructed to return my old tags to the State XXXX and they continued to send letters of insurance cancellation to me however I sent the documents there was never a lapse in coverage but come to find out it was because of transferred my registration XXXX and did n't return my tags to the state XXXX. Now they are requesting {$650.00} for the tags that were never returned and now they are threating suit / garnishments / etc for the unpaid balance however I feel that this is predatory in more than XXXX way. Can you please research this issue and see if there is anything that can be done.
Product: Debt collection

Home Depot has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On today XXXX I checked my credit and seen some thing on there I did do. 

Account Name : XXXX XXXX Date Open : XXXX Account Name : CREDIT ACCEPTANCE CO Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX, XXXX Date Open : XXXX Account Name : XXXX XXXX- # Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXXXXXX XXXX Date Open : XXXX Account Name : XXXX XXXX, XXXX Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX  XXXX XXXX XXXX
Product: Vehicle loan or lease

Bubba Hill Auto Plaza. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Put down XXXX XXXX spring Still on credit Just removal And any and all after that date. I have not financed anything since than. 
No credit cards No personal loans. 
No liens on properties. 
My wife passed in XXXX XXXX XXXX XXXX XXXX 
Please look into and fix Also My birth name XXXX XXXXXXXX XXXX XXXX same social security number? For some reason I have XXXX birthday on record with XXXX XXXX XXXX? XXXX XXXX XXXX XXXXXXXX. 
He change his name to XXXX at some time. Ss department inform me? Security breach on us both. Please fix and send me necessary paperwork notarized if death just certificate hand over sharing from work the board keeps putting me out and eating up assets at XXXX XXXX thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX  XXXX, account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. Also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit card or prepaid card

Citi 's mobile app and browser payment interfaces are designed to intimidate consumers into overpaying at each billing cycle. Terms are not consistently used across the different interfaces or in the official statement. The options presented for payment are " Minimum Due, '' " Statement '' ( also referred to as " Last Statement Balance '' or " New Balance '' ), and " Current Balance. '' In both payment interfaces there is no disclosure of the possible interest consequences of making only a Minimum payment as is mandated by the Credit CARD Act of 2009 for statements. Furthermore no clarification is given of what the different consequences are of the " Statement '' and " Current Balance '' options are. The only commentary provided for these terms are vague and intentionally intimidating warnings that these " may not pay your balance in full. '' The clear intention is to confuse the consumer into selecting " Current Balance '' which in the case of an account not presently carrying any interest, would be against the consumer 's financial best interests by making them loose the benefit of holding their money for a longer duration. 

When I contacted the Citi bank to clarify these definitions, they refused to provide any information due to security policy until I escalated the issue up through two different levels of supervisors. When I was finally allowed to speak with an agent about the question of what payment amount would be necessary to avoid the accrual of interest, they first told me that paying the " last statement '' was sufficient and then contradicted themselves to say that it was necessary to pay the " current balance. '' After this I had to get the intervention of a senior manager to actually get the agent to check their information and admit that they has misrepresented the amount needing to be paid. The amount they asked me for would have made me overpay by thousands of dollars. It remains to be seen if the agent was actually correct or not and if I will be charged interest despite what they said.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had my old address, which I then initiated to change on XX/XX/XXXX. I then get an email from Equifax saying that it was resolved onXX/XX/XXXX. However, they changed my address incorrectly, but I do n't even know what they changed it too. Whenever I now try to initiate them to relook at it, they can not look me up in their system because the address i give them does not match their records -- but i do n't know what it is. I have no way of knowing what they put in place so now I am stuck. I am trying to get a home loan from my bank and the bank can not access my credit score because of this XXXX issue. It is very frustrating and now I am stuck in an endless loop -- i have to guess what they actually put in as my address but i have literally have no way of knowing. I only have a confirmation code, which is XXXX. Why is n't this enough to locate me???
Product: Credit reporting or other personal consumer reports

On XX/XX/year>. I am requesting Validation in my TransUnion credit report. They sent me a letter that tell me they do not think I am the one that requesting to verify the inaccuracy in my credit I want CFPB to ask TransUnion to conduct proper investigation and send me proof how they verify every single negative account to my address.
Product: Money transfer, virtual currency, or money service

Cashapp have half returned not returned and also has never even returned on some of my money sometimes I get reported and I have NOBODY TO CALL AND REPORT IT, its all over the app and it doesnt make sense
Product: Debt collection

I received a letter in the mail on XX/XX/2020 from FCO ( fair collection & Outsourcing ) attempting to collect a debt for the amount of XXXX. The creditor name is XXXX XXXX At XXXX XXXX  I called the number shown on the letter and explained to the representative that the collection to this noticed isnt mine. I told him I have never signed no lease with this company or lived at these apartments. I have my supporting documents of my utility bill, lease, and proof of identity. He was really rude on the phone and stated that I had to make a report before being taken off collection. Which is the reason why Im here making a report.
Product: Credit reporting or other personal consumer reports

This company reported false information of payment history on my credit report. They made several mistakes stating that I was behind on my mortgage and didnt make any payments at all. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. I also have receipts attached from my proof of payments.
Product: Money transfer, virtual currency, or money service

For no reason, my PAYPAL account was permanently limited, and denied access to MY MONEY, when asked they provide no reason, As to why theyve done this, theyve repeatedly said violation of acceptable use policy, PAYPAL is using consumers, and abusing market power. I want MY {$11000.00} RELEASED.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and I am a XXXX XXXX XXXX at XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I started working at XXXX in XX/XX/2021. I, like my co-workers in the XXXX, use the square app for payment. Square.com has held my funds for the last 4 months citing a new " policy '' that they hold payments for new customers for 90-120 days. 

I need to pay booth rental, buy products as well as pay housing rent, food, etc. I have over 10k in that account and whenever I try to transfer the money to my bank account it gets denied. I need help as soon as possible.
Product: Credit card or prepaid card

I have a Macy 's American Express card. I made a payment on XX/XX/XXXX for {$50.00} due by XX/XX/XXXX. My minimum payment was {$29.00}. I then made another payment of the remaining balance of {$190.00} that cleared AMEX on XX/XX/XXXX. The statement closing date for that cycle was XX/XX/XXXX. However, I received my bill for XX/XX/XXXX and the payment for {$190.00} was not on the bill. It was collected by AMEX though on XX/XX/XXXX. There appears to be a few days between the actual closing date of XX/XX/XXXX and the date payments are made. I received a late fee on my XX/XX/XXXX statement and FINALLY my payment of {$190.00} shows up in that statement with a closing date of XX/XX/XXXX. So my payment cleared on XX/XX/XXXX was not applied to either XXXX or XXXX, but then shows up in a statement on XX/XX/XXXX AFTER a late fee was applied. I called customer service to find out why a payment made in early XXXX was not applied until a XXXX bill and why I got a late fee then. The customer service agent reversed my late fee and said she would file a complaint with how billing is done. I would like to formally file a complaint with billing. It is deceitful and confusing to customers to not apply a payment for the next billing cycle, but apply a late fee. Had I not caught the problem and try to reach out for answers on how this happened, I would have had a negative billing late fee on my account and no answers on the delayed payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 we did mortgage covid relief, house sold XX/XX/2020, fast forward to XXXX XXXX tried to bid on house, found that loan depot counted forbearance as late mortgage payments which has stopped our loan completely. XXXX XXXX today we have tried every day for hours to get someone to help since its illegal but nothing and nobody will help us. We can not buy a house due to this. My life is on hold and my lease on rental is up in one month. Please help!
Product: Credit card

I received a notice that I was denied in applying for a Bank of America credit card. I never applied for the card. The date I received the notice was XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have attempted to reach out to Experian in regards to inaccurate info. The information is old and the rest is error or reported as accurate but is an error. The are XXXX errors reported as my name but spelled incorrectly, I've disputed and yet they have not been removed none of the names are accurate except XXXX XXXX XXXX. The XXXX other invalid spellings are not mines and are not connected to my social security number. This personal information in regards to my address is inaccurate also. There are XXXX inaccurate phone numbers that are over 15 years expired. There are XXXX incorrect addresses on my report all old and passed 3 years some from my home state that I haven't resided in over 15 years yet they are still on my report as valid addresses. I requested the removal yet here we are still not removed. There is a spouse listed on my report yet I have never been married please remove this immediately. Im making this compliant to correct my current report so it reflects the current and accurate information.
Product: Credit reporting or other personal consumer reports

Dispute of Collection Account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Dear Sir/Madam, I am writing to formally dispute the collection account listed on my credit report under account number [ XXXX, XXXX, XXXX ]. The purpose of this letter is to request validation of the debt as allowed under the Fair Debt Collection Practices Act ( FDCPA ). 



I dispute the validity of this debt and request that you provide the following information : 1. Verification of the debt amount and detailed breakdown of charges.

2. Proof of your legal authority to collect this debt.

3. Documentation establishing the original creditor and the nature of the debt.

4. Any agreements or contracts bearing my signature related to the debt.

Please note that until you provide the requested information, I consider this debt to be disputed. Pursuant to the FDCPA, please cease all collection activities until the verification process is complete.

I expect your prompt attention to this matter and a response within 30 days of receiving this letter. If you are unable to provide the requested information, please remove the collection account from my credit report. 



Thank you for your cooperation in resolving this matter promptly. 



Sincerely, XXXX XXXX XXXX XXXX Note : It's advisable to send this letter via certified mail with a return receipt to have proof of delivery.
Product: Debt collection

On XXXX XXXX I sent a letter to WAYPOINT RESOURCE GROUP XXXX XXXX  XXXX XXXX TX XXXX, I requested VALIDATION OF A DEBT they say is owed to them ... In response to my request they keep sending me bills which is not validtion of a debt. This is a third party collection agency I request they provide written documentation signed by me and them stating I the debt is mine and that I would pay the debt to them. Following below is the exact verbiage that was sent to them. Instead of sending me the signed documentation I asked for what I received was copies of bills which is not VALIDATION OF DEBT. I am requesting that WAYPOINT  cease all collections and remove themselves from all credit reporting agencies as I did not authorize the sell or use of my information for any purpose. Attached you will find verification of communication I sent to them also documentation they sent back to me. There is NO CONTRACT between me and this agency. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. Please attach copies of the following documents : 1 ) Agreement with your client that authorizes you to collect on this alleged debt. 2 ) Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 3 ) Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.
Product: Debt collection

Weds XXXX XXXX, I received a notice in the mail from University XXXX ( XXXX ) in conjunction with Recovery Management Services , Inc ( RMS ) claiming I owed {$150.00} in citations from XXXX and a threat to suspend vehicle registration. At this point, the issue is almost comical to me if it were n't for the sheer abysmal failure of XXXX 's Parking and Transportation Services to do any due diligence or record maintenance over the last three years. The issue had been addressed in XXXX, and I, XXXX XXXX XXXX, have not owned the vehicle since XXXX/XXXX/XXXX. Here is the sequence of events as I understand them in my research : XXXX XXXX XXXX receives a Lease End Notice XXXX/XXXX/XXXX from XXXX XXXX XXXX is turned in by XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX on XXXX/XXXX/XXXX According to XXXX and XXXX Bank car was sold to college aged student on XXXX XXXX, XXXX According to the XXXX DMV record search title was processed and transferred to new party on XXXX/XXXX/XXXX ( Title XXXX was processed on XXXX/XXXX/XXXX ) City of XXXX XXXX tries to bill XXXX XXXX XXXX for Ticket XXXX on XXXX/XXXX/XXXX XXXX, XXXX, and the City of XXXX XXXX ( spoke with XXXX XXXX/XXXX/XXXX ) validate that XXXX XXXX XXXX is not the owner of the vehicle during the violation period and indemnifies him from any further action University XXXX XXXX XXXX Falsely files a first notice of citation payment due with XXXX XXXX XXXX, Account Number : XXXX Citation Numbers : XXXX, XXXX, XXXX and Contracts RMS to service the collection of this False Debt ( RMS was not mentioned in the e-mail, or in the letter from XXXX, i.e. XXXX sold this to a collection agency prior to any due date mentioned in the original form letter ) XXXX XXXX XXXX calls XXXX at XXXX and speaks with representative who can not help as she does not have access to records. XXXX/XXXX/XXXX E-mails are exchanged between both Parties and issue is 'claimed ' to be resolved, XXXX sends letter and claims the issue is closed XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX receives letter from RMS claiming the same amount is owed XX/XX/XXXX Immediately call and get a hold of the customer service rep, states issue is closed and refuses to provide any proof, initially refuses to allow transfer to manager, transferred to manager who also refuses to provide any documentation and admits to not having any policy in place to do so, nor are they able to due to third party outsourcing. Manager is XXXX XXXX at XXXX. 
This is my 2nd encounter with XXXX and my first with RMS. The unprofessionalism and complete disregard for customer service or ability to speak intelligently as to any reason not to provide documents at RMS gives the impression of deception and fraud. XXXX for their shady and non-disclosure of involving RMS is completely absurd and should have been addressed previously and disclosed to me. I have no faith that this issue will be resolved and fear harm to my good reputation and credit. 
I have fully documented this transaction and will provide any and all required to the CFPB. I considered this matter closed with XXXX until further action was taken by RMS.
Product: Debt collection

I was a victim of identity theft and noticed a collection from SW CRDT SYS I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against SW CRDT SYS in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you