23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

IN RESPONSE TO CFPB : XXXX PRA ACCOUNT ENDING IN XXXX OR ANY ACCOUNT ASSOCIATED WITH MY SOCIAL Whom It May Concern : According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with th

e Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Alleged Name and Address of Credit or 1. Name on File of Alleged Debtor : 2. Alleged Account # : 3. Amount of alleged debt : 4. Date that this alleged debt became/becomes payable : 5. Date of original charge off or delinquency : 6. Amount paid if debt was purchased : 7. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 8. Furnish a copy of the original promissory note/agreement redacting my social security number to  prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

9. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 10. Identify by name and address all persons, corporations,
associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any  furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the inaccurate address as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the inaccurate address. It was opened without my knowledge, authority or consent. 


XXXX XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Credit reporting or other personal consumer reports

XXXX. Supposed to be a credit line helper with a debt card. App issues continue not resolved. Business employees refused to acknowledge. I paid to card as suggested. They took from card for payment as agreed per email. Report reflected. Due to the repeated harassment I closed card. Time consuming. Seems to push certain people put. Only want job incomes. I closed. I paid in full. Not been updated on report. Reflects late falsely. I disputed. XXXX lied and just refused. XXXX lied and said i was not. They want to go back and alter report instead of state closed and paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Equifax data breach. According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked. Additionally, I provided a locally filed police report in XX/XX/2022, and the accounts are still reporting.
Product: Checking or savings account

On XX/XX/XXXX, I attempted to use a Navy Federal Credit Union ATM in XXXX XXXX, Kentucky with my XXXX debit card. I put in the Navy Federal ATM {$1600.00} all in {$50.00} increments, so a total of XXXX {$50.00} bills. The ATM cancelled the transaction and read that it was unable to complete the transaction and that it was returning my money. The ATM then read that it was unable to return the funds and to contact my financial institution. I immediately went into Navy Federal to raise the issue. They stated that I needed to submit a dispute with XXXX ( my bank ) in order to get the money back. I have tried to do several disputes with XXXX but because the transaction was cancelled, they are unable to see the transaction and therefore can not the transaction. I have went to Navy Federal several times in attempts to get my money back, but each time I go, they tell me that XXXX has to dispute the transaction. Both financial institutions are telling me that I must go to the other to get the money back. Navy Federal verified that there was an overage at the ATM I attempted to use on XX/XX/XXXX. After multiple phone calls with a higher up manger in the Navy Federal Customer Department, she stated that their hands are tied and they can not release my money until XXXX sends something on my behalf.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have sent the credit bureaus multiple dispute letters certified with documentation supporting our claims and they have completely disregarded our concerns. There is a debt and some late payments reporting inaccurately as well as balances and we are trying everything in our power to get it rectified. Hoping this process will make them take us seriously. Today XXXX/XXXX/2015 we have tried requesting verification procedures from the XXXX bureaus. Please help. We have attached supporting documents. 

ATTACHED TO THIS COMPLAINT IS 1. CERTIFIED RECEIPT EQUIFAX RECEIVED OUR LETTER 2. LETTER WE SENT EQUIFAX 3. SUPPORTING DOCUMENTS FROM THE CREDITOR AND COLLECTION AGENCY. 

Account # 's in questionXXXX XXXX The balance is completely inaccurate. See the high credit and current balance. This vehicle was liquidated at auction and there is not past due amount. Their address is also not listed on my credit report. Please remove for it 's FCRA violations. 

XXXX XXXX XXXXI do not have a financial obligation with this company ; please delete this reference on all credit reports. See attached documentThank you, XXXX XXXX
Product: Checking or savings account

Currently Capital One Bank is experiencing technical issues causes many customers, like myself, to not have access to their direct deposit. This is causing a financial burden! I've tried to reach out to Capital One to get an update but the line goes dead. Many people like me have obligations and no other source of income to take care of debts and routine financial/living responsibilities. Please look into this further and Capital One should be held accountable for losses that customers are and will experience due to this issue.
Product: Mortgage

I tried to set up a plan to pay my owed mortgage payments after forebearance. It was to end XXXX XXXX. I contacted my Servicer on XXXX XXXX informed them I could pay. They said I could enroll in a slim line program. Later they said the investors said I did not qualify.After several conversations and talking with different agents, I was informed I would be placed in loss mitigation, I have sent requested information and each time. Something is missing.Six months later I began to have requests for payments of XXXX. I initially sent XXXX. This covered six months of forebearance. The remainder in lump sum was requested each time I called 2-3xs weekly.ZI had to borrow and paid XXXXest on XX/XX/2022. The money is in suspension and still has not been applied as should. My next payment is due XX/XX/2022. I still dont know exactly what my balance is. Also I am tax exempt but escrow cant find supporting documents they sufficed prior to forebearance.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer to bring to your attention a critical issue regarding the accuracy of my credit report and the unethical billing practices of TFS. As a credit agent, I trust you will investigate this matter promptly to rectify the situation and prevent further damage to my financial well-being.

I have filed a complaint against TFS due to their poor billing practices, which have resulted in inaccurate reporting of the amount owed. Despite providing evidence of payments made, TFS has persistently misrepresented my payment history, claiming that I have only paid {$1000.00} when in fact, a thorough review of my payment records would reveal this to be vastly inaccurate and fraudulent. 

To compound matters, my credit report has recently reflected an increase in the amount owed to TFS by {$11000.00}, instead of subtracting it as it should. This inconsistency has led to significant fluctuations in my credit score, which has consequently hindered my ability to secure loans and access essential medical treatment, including XXXX and dental care. 

The repercussions of these erroneous credit reports are severe, as they directly impact my physical and mental health, which is closely tied to my credit score. The inability to afford necessary medical procedures due to discriminatory loan offers further exacerbates my predicament and poses a significant risk to my overall well-being. 

I implore you to take immediate action to address this matter with the utmost urgency. I request a thorough investigation into the billing practices of TFS and an accurate reflection of my payment history on my credit report. Additionally, I seek compensation for any damages incurred as a result of the negligent reporting by TFS.

Your prompt attention to this issue is greatly appreciated, as it is crucial in safeguarding my financial stability and ensuring equitable access to essential healthcare services.
Product: Debt collection

I recently received a call from the Credit Bureau of America ( CBA ) claiming I owe {$450.00} from a citation I thought I had already paid. ( I had paid for animal licenses but as I had paid the licenses a little tardy I had incurred a late fee for which I was unaware ). 

The license was originally {$15.00}, the late fee and admin fee an additional {$30.00} that was not apparent on the XXXX XXXX XXXX XXXX website when I paid for the license ( the website is very difficult to sign in to to locate your account if you do not have the ID they allocate to you ). I had called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to pay the license fee initially but as it was during the covid lockdowns and the XXXX  was not fully staffed I did not receive a call back. The voicemail also said they were waiving license fees at that time. 

Months go by and I am receiving what I thought were spam calls from the CBA as I do not believe I am owing any money. In all this time I also do not receive any written communication notifying me that there is mounting interest on my account. I do receive a letter telling me I can pay {$100.00} for a licensing amnesty, but as all my pets are licensed I believe this is in error. 

Finally on XXXX XXXX XXXX XXXX, I pick up a call and speak to someone who says they are from the CBA and I owe money to the XXXX XXXX XXXX XXXX for citations. I'm shocked and contact the City to verify this and appeal for a dismissal. This is denied. 

I am stunned at the underhand money gouging tactics of the CBA and the XXXXXXXX XXXX XXXXXXXX XXXX. I do not believe they attempted to provide me with adequate context or information before levying this substantial fine. If I had believed I owed them money it would not have taken me 4 years to take action!
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a Visa reloadable card and loaded {$500.00} on it at XXXX. Upon opening the intact packaging, I found the card was demagnetized, the magnetic strip already heavily damaged. The card had clearly been tampered with somehow by a thief intending to steal the funds. I called to have a replacement card sent and the initial card deactivated. US Bank 's representative and the supervisor, XXXX, refused to waive a XXXX fee, despite the fact that it was no fault of mine that the card already came compromised.
Product: Consumer Loan

I received communications from : XXXX XXXX XXXX XXXX XXXX XXXX. 
United States ( XXXX ) XXXX And stated that I owed money on online installment loan. I did begin payment on the debt they claimed believing that it was indeed valid. However as time went on with monthly payments they requested payments on an iPhone gift card. I have never ever had to pay any company for any debt with this method. It was very odd and raised an immediate flag. When trying to obtain information on it they went directly into threatening an arrest warrant and court procedure. I want to make sure this is a valid debt and if not report them for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX {$1700.00} - - -No Data Account Information Address XXXX XXXX XXXX BILLINGS, MT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} High Balance {$1400.00} Credit Limit {$0.00} Past Due {$1700.00} Pay Status >Charge-off< Date Closed XX/XX/XXXX Status updated XX/XX/XXXX Past due amount {$1700.00} Highest balance $ XXXXEstimated month and year this item will be removed XX/XX/XXXX Remarks UNPAID BALANCE CHARGED OFF I do not recognize this account in the way it's reported and the information here is not true and accurate also show me the method you investigate this innacurrency
Product: Credit card

I had gone into a Wells Fargo bank when I lived in XXXX XXXX California because I lost my Debit card, the teller had me meet with one of the managers at his desk, and they tried to talk me into a college credit card I told him I did n't want another credit card and no thank you I just needed a replacement debit card. Two weeks later I received a credit card and a debit card in the mail. I was so aggravated I worked XXXX jobs and was taking XXXX units in college I did n't have time to go to the bank or to sit on the phone right away to cancel the card. Within a couple of weeks I had a small overdraft and it went strait onto the credit card and at that point I knew this was going to show up on my credit report and I was trying to keep my revolving credit low. Since then I have been trying to pay this card off and close the account but it has cause me to have late payments and has just been a devstaing to my creidt and has blocked me from buying the home of my dreams.This card has been nothing but a headache affecting my ability to get a home, and a new car with a good rate this has been haunting me for a little while now. I had gone into the bank since then and told the teller and she stated I would have to call the bank. I was so shocked that someone could do this and they do n't even want to fire the guy, he was there at work that day I went in and pointed him out to the teller and all she said was to call. XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been paid in full and they continue to show it as owing XXXX which is affecting my chances with a loan. 
Please have them update this account.
Product: Debt collection

I am filing a complaint for requesting unnecessary documentation to validate a debt. 

Requesting : Original Creditor : [ Provide the name of the original creditor ] Debt Collector : Date Opened : [ Date ] Date Closed : [ Date, if applicable ] Date Account Sold : [ Date, if applicable ] Date Charged-Off : [ Date ] Date of First Delinquency : [ Date ] Date of Last Payment : [ Date ] Balance : [ Current Balance ] Also requesting payment ledger ( statements, etc. ) and records of communication if applicable
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my anxiety with respect to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be completely researched. Regardless of my endeavors, I still can't seem to get any goal or remedial activity. These wrong records are seriously harming my credit document and impeding my capacity to carry on with an ordinary life. The adverse consequences of these mistakes have caused huge difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is happening straightaway. I mercifully demand that you direct an exhaustive examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the exactness and uprightness of my credit record so I might recover command over my monetary prosperity. I truly encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue expeditiously would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.
Product: Credit reporting or other personal consumer reports

XXXX is reporting information illegally bought by a creditor while I a victim of XXXX XXXX XXXX XXXX XXXX I sent them even more proof and they still denied my request and left the report on my credit.
Product: Checking or savings account

When I opened a line of credit account they opened portfolio account without my request. When I asked they false information such as it is required for my line of credit account.I have requested a couple of times and each time they tried to scare me from closing the account. Now they are charging me {$30.00} each month.
Product: Money transfer, virtual currency, or money service

I called this number XXXX. I googled XXXX and XXXX gave me this number, this place inserted a app called XXXX XXXX this was on XX/XX/XXXX. On Saturday morning XX/XX/XXXX, I saw a suspicious app calledXXXX XXXX I immediately googled it and it's a app where they can actually take over your phone. I have screen shots of what cash app has and a screen shots as to where the money went. At XXXX am they tried getting into my bank account again I have emails where the bank did not let them in. I have a photo of the app that was inserted on my phone.today they tried getting into my XXXX ID. XXXX declined them I have that email also. I did not authorize these {$470.00} withdraw or the {$30.00} XXXX XXXXXXXX. Cash app says that I authoriz d it. I did nothing to authorize this withdrawals Sir please investigate this, please try to get my money back. My ID number is XXXX. This is my second complaint on this since I gathered more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is violating the law by not removing two fraudulent inquiries they are reporting in my credit files. 

Here is a copy of the previous complaint! 

Remove these two inquiries off of my credit file! 

XXXX. XXXX XXXX XXXX XXXX Experian has had proper notice and proper documentation in this complaint that includes an identity theft account and police report even afte is r several days of reporting this complaint to Experian. 

This is my third complaint and Experian has failed to remove unlawful identity theft inquiries off of my credit file!

Experian has record that I have provided an identity theft report and police report outlining these two specific fraud inquiry issues and you will see required documentation to order these unknown and non consensual inquiries in the following two false inquiries. 

XXXX. XXXX XXXX XXXX XXXXXXXX XXXX stands for XXXX XXXX XXXX according to the Attorney Generals Office and could be precariously posted as XXXX as reported in the identity report I am sure they accidentally overlooked it and I agree not to sue, please remove these two inquiries, thank you