23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year>, I sent a certified letter ( XXXX XXXX # : XXXX ) to Plaza Services regarding an alleged debt from the original creditor, XXXX XXXX, with an account number ending in XXXX. In this letter, I requested debt validation as allowed under 15 USC 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, I asked Plaza Services to provide the following : Validation of the Debt : Proof that the debt is valid, including a copy of the original contract or promissory note between me and XXXX XXXX, bearing my wet ink signature. 
Date of Debt : The date when the original creditor claims this debt became due and when it became delinquent.

Last Billing Statement : A copy of the last billing statement sent to me by the original creditor.

Account Closing Notice : A late payment notice and/or account closing notice provided by the original creditor. 
Authorization to Collect : A verified copy of the contract Plaza Services has with the original creditor, authorizing Plaza Services to collect the debt on their behalf. 
Licensing : Proof that Plaza Services is licensed to collect debts in my state.

Full Accounting : A general ledger statement showing the full accounting of the alleged obligation, including a commercial affidavit by the original custodian of the books and records.

Proof of Charges : Proof of any interest, fees, or other charges authorized by the credit/loan agreement.

Insurance and Bonds : A certified copy of all public hazard bonds and liability insurance policies held by Plaza Services.

Satisfaction of Debt : Proof that the alleged debt has not already been satisfied by other means, such as a tax write-off, insurance claim, or sale of the debt to a third-party debt collector.

Statute of Limitations : Documentation proving that the statute of limitations has not expired on this debt. 
Verification Method : Documentary evidence regarding how Plaza Services verified the alleged debt. 
On XX/XX/year>, I received documents from Plaza Services claiming to be debt validation under 15 USC 1692g ( b ). The documents included a promissory note that did not have my wet ink signature and did not satisfy the full requirements of debt validation as per the FDCPA. 

I am disputing the adequacy of the documentation provided by Plaza Services and request that they cease all collection activities related to this debt. I assert that Plaza Services has not properly validated the debt under the relevant provisions of the Fair Debt Collection Practices Act and demand that they comply fully with the requirements set forth in 15 USC 1692g ( b ). I also request that all collection actions cease until proper debt validation is provided. 

I have attached the original collection letter and the certified delivery receipt as supporting documentation for my complaint. 
Failure to act will leave me no choice but to pursue further legal remedies to enforce my rights under the FCRA and protect my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax divulged my information without my consent via the recent data breach. This has made my personal identifiable information, including but not limited to my SSN, my date of birth, and my credit card information, essentially public information.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate costumer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress from these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality u Der 15 USC 1681. XXXXXXXX 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. It also state 's a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

This complaint concerns the wrongful closure of my American Express account in XX/XX/XXXX and the subsequent forfeiture of approximately XXXX reward points accumulated over several years. I had accrued these points through a corporate American Express card. Upon changing employers, I followed the proper procedure to transfer the points balance to a personal American Express account. American Express unexpectedly closed my personal account without notice, resulting in the forfeiture of all accrued reward points. American Express claims to have provided prior notification of this action via regular mail. However, I did not receive any such notification. Furthermore, I continued to receive email communications from American Express regarding my account until XX/XX/XXXX, leading me to believe that my account remained active. It was not until XX/XX/XXXX that I discovered my account had been closed and my points forfeited. While I pleaded my case to them, I repeatedly requested proof of the mail notification from American Express, both through customer service channels and through an appeal. American Express never provided any evidence of this notification 3 years ago. I spent significant time and effort attempting to resolve this issue with American Express directly and appealing the case, to no avail. 

Following my complaint to the CFPB, American Express has now produced a note allegedly sent to me in XX/XX/XXXX. However, this note lacks critical details such as the method of delivery ( email, physical mail ), the specific address to which it was sent, and any confirmation of receipt. 

Given that I continued to receive emails from American Express regarding my account until XX/XX/XXXX ( I have attached these additional emails ), the existence of the " XX/XX/XXXX '' note and the lack of transparency surrounding its delivery raise serious concerns. 

I believe American Express has failed to provide sufficient evidence to support their claim of having provided proper notification of the account closure.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion.

Please delete the following account XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$1200.00}
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX XXXX XXXX XXXX XXXX ) Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 credit card account opened at CB/KAY XXXX under the account number ( XXXX ) on XX/XX/XXXX. an auto loan account opened at XXXX XXXX under the account number ( XXXX ) XX/XX/XXXX, a XXXX XXXX XXXX account under the account number ( XXXX ) on XX/XX/XXXX. These accounts 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: Student loan

As of XX/XX/XXXX, the total balance due for my student loan, then held by XXXX, was {$6700.00}. A check was sent to pay the full balance of the 2 loans held by them. They sold to XXXX, then was sold to XXXX and finally to Navient, Loan When logging into my account today at Navient, their records show that they didn't even show the payment sent to XXXX in XX/XX/XXXX, as being applied in XX/XX/XXXX. I can no longer log into my XXXX account, to even try to go back to my documents that are supposed to be secure online. I was told that all of my loans had been consolidated when XXXX took them over. I only have screenshots of my account. I do have my last paper statement from XXXX XX/XX/XXXX, before my loan was sold, and it clearly shows there was one loan with a loan type of CON ( consolidated ), with a balance of {$10000.00} at an interest rate of XXXX. 

I want to know how paying a loan off in full in XX/XX/XXXX, led to an additional balance of $ XXXX. I emailed them to explain that the loan has already been paid in full. After repeated emails and calls telling me they would not correspond via email, I finally called Navient today. After arguing with the agent " XXXX '' from Navient, and not getting anywhere, I paid the balance in full online. This is just one more example of how Americans are being abused by these loan service companies, with no one to represent us.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU HAVE XXXX days or you are in VIOLATION of this law because I am a victim of identity theft!! And I requested a delete these items as soon as possible! And your company failed to remove unauthorized accounts on my credit report on. The items I need deleted are listed in the report. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX  and I also have enclosed copies of the XXXX XXXX XXXX Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My SSN, DOB, full address, DL number and Credit card numbers have been stolen in a breech at Equifax. The company never contacted me to let me know.
Product: Vehicle loan or lease

I had traded in the vehicle as a down payment. The trade was successful but I keep gettine letters from Wells Fargo stating audit issues with my account. During Covid I had to deal with medical issues concerning both of my parents. I applied for delayed payments and so on. Keep getting letters from Wells Fargo for which I could not really understand the issue at hand.

The final letters stated that during the Covid Pandamic incorrect information was colleted concerning my auto account and was released to the Credit Agencies. This information may have affected my trade and financing of my current vechile. 

I have been a client of Wells Fargo for many years and still plan to be in the near future. I hope this information shed some light on all the letters sent by Wells Fargo. 

Thank You for your time .....
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXXXXXX XXXX XXXX XXXX XXXX WA XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX $ XXXX Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Charged off XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} Late/Closed XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$480.00} Collection
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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, U S DEPT OF ED/XXXX. 
Company Inquiries 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

I leased a XXXX XXXX XXXX back in XXXX XXXX. The lease was for 39 months. My wife and I filed a Chapter XXXX Bankruptcy in XXXX XXXX. Instead of including the XXXX XXXX in our Chapter XXXX Bankruptcy we chose to have the XXXX XXXX XXXX reaffirmed. I only had four more payments left and the lease would end. Our attorney submitted the Reaffirmation Agreement to the courts on XXXX XXXX, XXXX. I appeared in court on XXXX XXXX, XXXX for the Order on the Reaffirmation Agreement. The  amount of the debt to be reaffirmed was only the remaining payments due until the lease matured on XXXX XXXX, XXXX. The courts approved the Reaffirmation Agreement on XXXX XXXX, XXXX. The XXXX XXXX was then turned in at the XXXX XXXX Dealership in XXXX XXXX, Nevada on XXXX XXXX to the original creditor and the lease was complete and finished. The original creditor was XXXX. XXXX was then taken over by XXXX XXXX. TransUnion, XXXX, and XXXX are all reporting that XXXX XXXX included the XXXX XXXX in the Chapter XXXX Bankruptcy which is incorrect and illegal not to mention it is also showing activity as of XXXX XXXX ( states closed ) which is also incorrect. The XXXX XXXX was turned in and given back to the original creditor with no remaining debt left to pay.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX XXXX XXXX  {$10.00} XXXX XXXX XXXX - {$0.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I wrote a dispute letter to TransUnion disputing ( 3 ) three accounts as erroneous and sent them certified mail. On XX/XX/2022 the letters were received by TransUnion certified mail. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they had 30 days to investigate my dispute. XX/XX/2022 I decided to reach out to TransUnion letting them know I did not receive any response from them stating that they were investigating my dispute in the 30 day time allotted so I followed up with a demand and comply letter. In return TransUnion deleted my XXXX XXXX XXXX XXXX # XXXX but did NOT delete the XXXX XXXX # XXXX ; as well did NOT delete the XXXX XXXX XXXX XXXX # XXXX. It was clearly stated that this was NOT another dispute or opportunity to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law.
Product: Mortgage

My mortgage servicer, Specialized Loan Servicing has reported an increase in my mortgage balance to the credit bureaus for the THIRD TIME since I have been on a forbearance plan with them. On XX/XX/2021 Specialized Loan Servicing reported to XXXX  and XXXX that my mortgage balance is {$120000.00}, an increase of {$9000.00}. This, like the previous reported increases, has had a very negative effect on my credit. My billing statement from Specialized Loan Servicing dated XX/XX/2021 shows a balance of {$110000.00}. I filed a complaint with CFPB the second time Specialized Loan Servicing reported an increase on my mortgage dated XXXX XXXX XXXX complaint # XXXX. I reserve any and all rights to seek legal action in this matter.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 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

Procollect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Dispute of Collection Account 15 U.S.C . 1679c Dear XXXX, XXXX I am writing to formally dispute the accuracy of a collection account that has been reported on my credit file. After reviewing my credit report, I believe this account is inaccurate and should be removed. I am disputing this collection under 15 U.S.C. 1679c, which protects consumers from inaccurate reporting, and request its removal from my credit file. The disputed collection details are as follows : PROCOLLECT INC Account Number : XXXX Date Reported : XX/XX/year> Disputed Amount : {$500.00} I am asserting that this collection account is incorrect for the following reasons XXXX XXXX XXXX ON XXXX XXXX. Under 15 U.S.C. 1679c, if the debt is not valid or the collection is improperly reported, it should be removed. I am requesting that you investigate this account, and if the debt can not be properly verified, it must be removed from my credit file. Please conduct your investigation in compliance with the Fair Credit Reporting Act ( FCRA ) and inform me of the results. If you find that this account can not be verified or is otherwise incorrect, I request that you immediately remove it from my credit report. Attached are any relevant documents supporting my dispute ( e.g., payment records, settlement agreements, or proof of non-ownership ). I look forward to your prompt response to this dispute and expect your reply within the 30-day time frame mandated by law. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX and # 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: Credit reporting or other personal consumer reports

1099C dispute Experian Subject : Dispute of Inaccurate Information in My Credit Report. 

XXXX XXXX this debt is being reported as a charge off. However this is actually considered income because I should have received a 1099C form in the mail in order to account for this as income however it is being reported as a charge off I am requesting that this is removed because this is not debit this is considered income and should not be reporting on my credit report. 


Discrepancies in comments ( e.g., " Charged off as bad debt ). 

Experian Subject : Dispute of Inaccurate Information in My Credit Report. 
In North Carolina, the statute of limitations for debt is XXXX years from the last activity on the account. This means that creditors have XXXX years from the last payment to file a lawsuit to collect the debt. 

Experian : Date Opened XX/XX/XXXX Experian : High credit reporting {$0.00} Experian : Credit limit reporting {$1300.00} Date Last Active reported as XX/XX/XXXX Date last payment reported as XX/XX/XXXX