23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Validation of Debt and Related Legal Authority ( DATA BREACH ) Dear XXXX, I am writing to formally request information and documentation related to an alleged, account or debt you have reported or are attempting to collect. This letter is issued, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other applicable federal laws.

1. Authority to Collect Under FDCPA Please provide validation of your authority to collect this alleged debt, including but not limited to : Documentation showing your legal right to collect this debt.

Evidence that you are the owner of the debt or documentation of your authority as an agent to collect on behalf of the owner.

2. Authority to Report Under FCRA I request written evidence of your legal authority to report this alleged debt to credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). Specifically, provide : A detailed explanation of how this reporting complies with FCRA requirements.

Documentation that verifies the accuracy of the information reported to credit bureaus.

3. Promissory Note and Securities Compliance If there is a promissory note related to this account, and its maturity date is beyond nine months, I request that you provide documentation supporting your authority to possess or be in possession of what may be considered an unregistered security. This request is made pursuant to any applicable federal laws, including but not limited to regulations enforced by the XXXX XXXX XXXX ( FCC ), the Internal Revenue Service ( IRS ), or any other federal authority.

4. Securitization and TILA Compliance If this account has been securitized, I request, under the Truth in Lending Act ( TILA ), that you provide the following : All documents, including pooling and servicing agreements, related to the securitization of my account. 
Any related filings with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Documentation evidencing compliance with all applicable TILA provisions regarding disclosure and transfer of the account.Please note that this is a formal request for validation and verification. Until all requested information and documentation is provided, I dispute the validity of this debt and any related reporting. Any failure to comply with these requests will be considered a violation of applicable federal law. 
You should ALREADY HAVE, if you're the Secure Party Creditor in the contract. It took longer the last time and I didn't receive ALL DOCUMENTS. 
I expect a response within the legally 15 DAYS mandated time frame. Failure to provide the requested information will result in further legal action to enforce my rights under federal law.

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

Kind regards
Product: Credit card

I have XXXX with a XXXX to 5 years. I called Target Red Card services to lower my interest rate so I can get the balance paid off. I am no longer working and can only make minimum payments. I was told that I do not qualify to lower my interest rate even though I have a perfect record of on time payments. Further your customer service representative insulted me today on XXXX XXXX, 2016. I told her that no one can pay the balance should I pass away before it is paid and she said " that is okay ''. I do n't want my family to be asked by the creditors to pay my debt, it is my responsibility. So it is not OKAY that I pass away and still owe you money.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the items as soon as possible : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$780.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance XXXX {$23000.00} XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX XXXX XX/XX/2022
Product: Money transfer, virtual currency, or money service

I am filing this complaint against cash app ( block Inc ) due to an adequate Customer Service an unfair practices. Which violate the customer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective matters to prevent fraud on their platforms, leaving my account vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive. As they did not comply with error resolution requirements. Under the electronic transfer fund act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss.I I seek appropriate address for these violations.
Product: Debt collection

Received 3 phone calls in less than an hour from them regarding my bill repeatedly trying to obtain card and payment information over the phone. Just patiently waiting the next call. They used several different phone numbers. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. They use two number which are deceptive as they are not clearly from the company unless you look the numbers up on XXXX. 

The agents on the phone are extremely pushy trying to collect on you even though you are not late.
Product: Credit reporting, credit repair services, or other personal consumer reports

# 1 THIS WAS NEVER ON MY CREDIT REPORT, XXXX STATED IT BELONGED TO XXXX XXXX XXXX, I WAS GIVEN INFORMATION ... ..THIS COMPANY JUST RECENTLY PUT THIS ON MY CREDIT! JUST BECAUSE I MADE CONTACT AND WAS GIVEN SOME INFORMATION THEY PUT THIS ON MY CREDIT. IT NEEDS TO BE REMOVED. I WANT THIS SENT BACK TO THE CLIENT IF IT IS MINE AND I WANT TO BE ABLE TO HAVE MY FIRST INITIAL CONTACT WITH THE ORIGINAL CLIENT. I WOULD NEVER OF HAD SUCH A DEBT JUST GO INTO COLLECTION TO BLEMISH MY RECORD. THIS NEEDS TO BE TAKEN OFF MY CREDIT AND I WANT PROOF THIS IS MINE I WANT DOCUMENTATION ... I WANT SIGNATURES ... .I WANT A COPY OF MY PERSONAL INFO THAT I PROVIDED TO YOU ... IF IN FACT THIS WAS MY DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 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: Credit card

I have my internet service through XXXX XXXX. The company has been charging my American Express credit card every month but not giving me credit for the charge every month. InXX/XX/XXXX XXXX XXXX charged me {$1400.00}. The charges should have been on the order of {$700.00}. They are charging my credit cardXX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX andXX/XX/XXXXof this year as well and I have not gotten credit for any of the charges in XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has sent me a letter Im attaching to this complaint, that they have removed my account from their system and marked it as fraudulent. Removing me from any responsibility for the account, which was previously a charged off account. 
Experian refuses to remove the account for the last 60 days now and refuses to allow me to show them the letter from premiere. Saying account can never be disputed again I dont need to dispute the company removed it. 
Why Experian refuses to comply is a gross violation of the FDCPA, FCRA and the FTC.
Product: Credit reporting or other personal consumer reports

Follow up disputes that in process. XXXX  service rep advised me to send. Police report which is consider additional information to remove items shown on credit report. 2 accounts XXXX XXXX XXXX who l have already sent copies police reports identity theif name was exspose across black Webbiite addition ld attached with copy bill recent bill social security
Product: Mortgage

Last month ( XXXX XXXX when I made my mortgage payment, for some reason the mortgage company ( The Money Source Inc. ) processed a double payment through my bank XXXX XXXX XXXX XXXX  XXXX. My monthly mortgage is {$1300.00} and they processed a payment for {$2700.00} on XX/XX/XXXX. I immediately contacted XXXX XXXX and initiated a dispute as I only authorized a payment of {$1300.00}. I then contacted The Money Source and spoke to XXXX P about this error to let them know I filed a dispute with the bank and to find out what needs to be done to correct the issue. XXXX requested copies of my bank statement to prove the payment processed so they could initiate a refund for {$1300.00}. I sent the documents to XXXX and they processed a refund for {$1300.00}. They sent a check on XX/XX/XXXX which I received on XX/XX/XXXX. During this time, XXXX XXXX discovered that the charge was not authorized and they reversed the entire {$2700.00} back into my account. Additionally I received a letter from The Money Source stating that my mortgage payment was past due. I contacted XXXX about this and she stated that since the bank reversed the charges, they decided to reverse the payments for XXXX and XXXX, thereby making it appear that we were past due on those payments even though we made them on time. Today, XX/XX/XXXX, I was notified by XXXX  that The Money Source added a negative remark to my credit report stating that we were delinquent more than 30 days. We have never been late on any mortgage payment and I have proof of that with my bank statements and The Money Sources monthly statements. XXXX admitted that we were never late and that the bank reversal is what triggered this problem in their system and the reporting to the credit bureaus that we were late, even though we were never late. I told her that I wanted them to correct the information on the credit reports and I wanted the late fees reversed since none of this was our fault, it was The Money Sources fault initially for charging me for twice the payment that I authorized. The refused to correct the credit report and refused to remove the late fees. I believe this is in violation of the Fair Credit Reporting Act of 1970 as they have reported falsely that I was late on mortgage payments even though I was never late on those payments. I believe this is fraudulent information and it has permanently harmed my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 i looked at my consumer report and was immediately frustrated with the 15. U.S.C 1681n willful non compliance to my disputes and complaints, I have submitted to CFPB, XXXX, Equifax XXXX XXXX. Equifax, XXXX & XXXX STOLE my information committing FRAUD by reporting such hernias things on my credit profile. This has cause me great stress. I demand these items be removed from my credit profile immediately or I will seek litigation and 15 U.S.C. 1692k Civicl Liability for EACH violation. I have not given XXXX, XXXX or Equifax permission to disclose ANY information per 15 U.S.C 6802 on my credit report. Under 15 .U.S.C 1681 ( i ) states ALL reported information HAS to BE 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft and I didn't apply for anything with CBNA. 
Where's the copies of the signed docs that were filled out when I supposedly applied for an account on XX/XX/19? Please provide me with all written documentation within 15 days because this is a violation and you must DELETE it from my credit report. 

Please attach a document on your company letterhead stating your findings and result of deletion of this inquiry. 

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

On my Transunion credit report, there is a bankruptcy on it but it does not belong to me.
Product: Checking or savings account

USAA returned a EFT payment I made to XXXX for no reason. I had funds in my account to cover it. Instead they rejected it. I alerted USAA and they credited the XXXX return check fee. But they caused me to get a XXXX returned EFT free from XXXX.
Product: Checking or savings account

Truist bank denied my bank account and refused to return my deposit, I have called them several times and each time they told me the check was sent this has gone on for several weeks.The last time was XX/XX/2023
Product: Credit reporting 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 under 15 USC 1681. 


Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX 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 card or prepaid card

Re opening Case # XXXX Please see enclosed documents, I have the right to dispute for the bad service/service not rendered. Enclosed again is a copy of falsified receipt that Comenity honored rather the real receipt that I keep sending them, but they keep ignoring. 

Comenity never took my dispute seriously, see enclosed bunch of letters from them that keep asking me to send a proof. Take note of the dates. I have been disputing this from day XXXX, XX/XX/2021. They not once acknowledged my evidence and my right to dispute for " BAD SERVICE/SERVICE NOT RENDERED '' The FAIR CREDIT BILLING ACT- gives you the right to dispute charges in case you are dissatisfied with the transaction. 

FEDERAL TRADE COMMISSION states that you have the right to dispute charges that weren't delivered as agreed- WRONG ITEM : AGAIN : SEE ENCLOSED RECEIPTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried repeatedly all of XXXX to correct and have removed 2 bankruptcies listed on my credit file. Finally, XXXX has removed the bankruptcies from their database, however, the bankruptcies are still showing on TransUnion, XXXX, and XXXX as I have viewed my credit reports today. There are also other items that I have tried to dispute on TransUnion and XXXX  websites, but I was referred to submit information regarding my dispute in writing to them. No. I will not. XXXX  stated, they have already investigated this matter regarding my disputed items and didn't have to honor frivolous disputes. XXXX   dispute system has been down for several weeks now and I am not able to view anything. So, I am using an old credit report to dispute inaccurate information and also XXXX XXXX XXXX / XXXX XXXX XXXX is FRAUDULENT. It's listed on my credit report as me opening it twice with the same account number opened on XX/XX/XXXX & XX/XX/XXXX. I have requested to have all Regular and Hard Inquiries to be removed from ALL of XXXX thru XX/XX/XXXX. I have not authorized any inquires loans, credit, credit cards, by no means for anyone. This is INSANE!! PLEASE CORRECT MY CREDIT REPORT INFORMATION AND REPORT ACCURATE INFORMATION WITHIN 15 DAYS.
Product: Credit card or prepaid card

I bought tickets to travel to XXXX through XXXX XXXX. Due to a change in the plan I had to cancel the trip. I cancelled the tickets ( purchased for 3 passengers ) in time as per their cancellation policy. Cost of tickets XXXX. Bought on XXXX XX/XX/XXXX. XXXX XXXX confirmed the cancellation and mentioned that there will be a penalty of XXXX USD per ticket resulting in a refund of XXXX. A cancellation number was provided. 

Date of Cancellation : XX/XX/XXXX Cancellation Confirmation Number - XXXX Ticket Number : XXXX Since then I have been contacting XXXX XXXX for refund which never came through. No response. Their ecommerce division is solely responsible for all refunds. No representation in USA, no offices no phone lines to take calls or answer my questions about refund. They all point to one email -> XXXX. They never responded. Recently after a long follow up ecommerce team responded with this email. 

================================================================== XXXX  XXXX  XXXX, XX/XX/XXXX, XXXX XXXX  ( 3 days ago ) to me, XXXX, XXXX, XXXX Dear Sir We appreciate your patience but seriouly we did our bit instantly long back it is only between the acquring bank and your issuer bank who are delaying this transfer of funds to your acoount. 

Let them respond and action, we will come back to you. 

thanks regards XXXX XXXX On XX/XX/XXXX, at XXXX PM, XXXX XXXX XXXX wrote : Dear Sir, Reference your mail for credit we have taken, up the matter with our acquing bank. Since you had raised a dispute for refund as per process we have accepted the chargeback on XX/XX/XXXX for the amount of USD XXXX. When a dispute is being raised then facility to refund that transaction gets blocked on the system, henceforth we had accepted the amount. 
Now we have taken up the matter with concerned bank, request you to again contact your credit card issuer bank for current status for refund. 

We will get back once we receive a feedback from them on most urgent basis. 

thanks regards XXXX ================================================================ I had no other option but to dispute the transaction assuming Citibank will mediate this problem. Unfortunately they gave a credit of XXXX USD temporarily and put the charge back on my card saying XXXX XXXX already refunded the money. 

But till date as you can see from the emails I never got the refund. 

I also have the documentation where during dispute Citibank is provided a letter by XXXX XXXX stating that the refunds are issued and on the way. 

Today ( XXXX of XX/XX/XXXX XXXX it is 115 Days since the tickets were cancelled.
Product: Debt collection

1. The company has been calling numerous times daily even after leaving voicemail messages 2. They have effected several payments from my bank without my authority - thereby exposing me to overdraft fees and thereby threatening my overdraft status with the bank.

3. I tried to resolve this a few days ago when I answered their calls regarding a past due account, which I wanted to settle outside the regular semi-monthly payments we had agreed - this is the amount I'm complaining about.

4. In that call on point 3, above, I had requested they move forward the payment days by two days to correspond with my new salary paycheck dates - which they ignored
Product: Mortgage

We tried to work with company and the laughed at us. They said they would never do that. We ended up having to short sale our home
Product: Debt collection

wfds XX/XX/2017 {$11000.00} i have send several letters about this debt and company never repond i have letters to prove
Product: Debt collection

I have asked for validation of this debt but only received a bill which is in violation of the HIPPA law. This was last year. They actually removed it from my credit report and put it back on again. I need to see validation that this debt is mine from them not XXXX XXXX. Receivable Mgmt Group has not paid their business license to operate in Georgia as of yet this year.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  I disputed the collection items on my credit on Experians website. They gave me a quick answer within 24 hours saying they investigated and it was accurate. 

I mailed in letters in either XXXX or XXXX to Experian, XXXX, and XXXX about the collections on my credit and none of them have ever got back to me about it. 

I disputed the collections on my credit through Experian via their website in XX/XX/XXXX and same thing within 24 hours they said investigated and everything was accurate. 

Collection accounts disputed - XXXX XXXX XXXX XXXXXXXX {$630.00} XXXX XXXXXXXX {$4700.00} XXXXXXXX XXXX XXXXXXXX {$910.00} XXXX XXXX XXXX XXXX {$260.00}
Product: Checking or savings account

On Thursday, XX/XX/2022 I received a text message about a personal checking account I never opened. On Monday, XX/XX/2022 I received a Statement of Account in regards to the account I did not open with TD Bank. I immediately called TD Bank to report the fraud. They closed the account and guided me on the next steps to report the fraud.
Product: Debt collection

in accordance with the Fair Credit Reporting act XXXX XXXX violated my rights. Account opened XX/XX/2022. U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions.
Product: Credit reporting or other personal consumer reports

I've called and mailed a letter with supporting documentation several times asking to have my name updated and others removed, for they are not my legal names. I have XXXX different names showing. I'm legally known by one name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

The company is Affirm Inc and this was done multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,