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

DEBT VALIDATION LETTER XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX XXXX SSN : XXXX XXXX This letter is being sent to you regarding accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is not a request for verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt.

2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired : 5. Complete payment history on this
account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state : and 7. Your license numbers and Registered Agent.

8. Copy of original contract 9. Copy of payment history 10. Name and address of original creditor 11. Proof of debt assignment At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( Equifax, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempta to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees i am forced to bring this matter before a judge.

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plans as late for any purpose Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX, XXXX XXXX Agent FOR XXXX XXXX XXXX, beneficiary ( XX/XX/2023 ) have placed numerous complaints with EXPERIAN through the CFPB about the inaccurate reporting of non public information. The continuous sharing of inaccurate, non public information without my expressed written consent to my consumer credit report has been ruining my reputation and is identity theft. 

Please See Attached Documents
Product: Payday loan

I have not applied or received any oaday loans but one is listed on credit report. Called the copany and confirmed not my accout but collection agency still has not removed from my credit
Product: Debt collection

I received a call at XXXX am at my brand new phone number claiming that I owe a balance of {$270.00} for XXXX XXXX is XXXX cable. They have me an account number which I notated and called XXXX cable. XXXX started that I only owed {$150.00} and not {$270.00} which tells me that this agency known as Southwest Credit is fraudulent. When I asked how the representative XXXX XXXX got my information she stated that XXXX cable gave it to her. I asked to speak to a supervisor and a rep by the name of XXXX XXXX pretended she could not hear me in order to not transfer the call. I called again and spoke to a XXXX XXXX who claims to be a supervisor and did not know how XXXX got ahold of my new number. She even went as far as to say that XXXX has my information since XXXX them money, yet XXXX has a different number on file. I believe that this agency is scamming customer out of their money and giving fake amounts.
Product: Debt collection

Subject : Debt Validation Request and Assignment Contracts Dear Sir/Madam, I am writing to formally request validation of the debt you claim I owe, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide me with detailed information regarding this debt, including but not limited to : The name and address of the original creditor. 

The original account number. 

A complete payment history, including dates and amounts of all payments and charges. 

The current balance of the debt and an explanation of how it was calculated. 

Copies of any and all documents that establish my liability for the debt, including any contracts or agreements I XXXX have signed. 

Copies of any assignment contracts or agreements that establish the transfer of the debt to your agency, as required under 15 U.S.C. 1692g ( b ) to validate the transfer of ownership.

Additionally, please provide a copy of your agency 's license to collect debts in the state of Washington, as required by state law, and any correspondence or communication from the original creditor authorizing you to collect this debt on their behalf.

Under 15 U.S.C. 1692c ( c ), I request that all communication regarding this matter be conducted in writing. Furthermore, in accordance with 15 U.S.C. 1692g ( b ), until this debt is validated, I respectfully request that you cease all collection activities. 

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

Sincerely,
Product: Debt collection

I received a letter saying that I have been placed with a agency for collection. Saying if I don't pay within 30 days they will report it to bad debt collection. I tried calling to find out what the letter was about and got a recording saying to leave my information and they would call me back then went to there website and my computer showed a promoted saying the website was not secure that I needed to back out of the website cause the website has been flagged as a scam. I have no idea about the debt in question and the letter does not explain what it is for either.
Product: Mortgage

My husband took out a line of credit home loan for {$25000.00} in XXXX and paid $ XXXX monthly to XXXX. He discovered in XXXX that it was an interest only loan and started paying {$500.00}. XXXX purchased the loan and he continued to pay {$500.00} per month until XXXX. Based on his payment rate he knew the loan was supposed to be paid. When he continued to receive statements, he filed a complaint with the XXXX. He received a letter indicating that XXXX had filed for bankruptcy and after a full review it was determined his loan, balance was XXXX. In XXXX, he began getting statements from Green Tree. After watching the continuing frustration of my husband I spoke to Green Tree and apprised them of the situation. I indicated that my husband had paid the loan off. Recently I started getting statements from DiTech reference this loan. It appears the DiTech is in the business of debt collection and found this loan and is attempting to collect it although it was paid. 
My husband is a XXXX veteran XXXX and I do not want him harassed by a debt collector on a debt that he nor I owe.
Product: Debt collection

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 : Portfolio Recovery Associates, Account num : 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. 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. 

i have sent XXXX, XXXX XXXX XXXX my FTC Identity Theft Report as of XX/XX/XXXX and i have disputed with this company through XXXX, XXXX XXXX XXXX on numerous information proofing countless times that the information they are reporting is false and each time they change the information specified while reporting a new false information not specified and is operating in a unlawful manner that is violating my rights.
Product: Checking or savings account

Formal Complaint Against Citibank for Mismanagement of Account Transactions Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against Citibank , N.A . due to serious concerns over the handling of my bank account transactions and customer service failures, which I believe violate pertinent consumer financial laws. 


Incident Description : On XX/XX/XXXX, several transactions were correctly authorized and posted from my account. On the following day, these same transactions appeared again as pending, thus inaccurately reflecting my account balance and effectively freezing funds without justification. Despite the merchants confirming receipt of their payments, these transactions continue to be displayed as pending AND posted Citibanks Response : After contacting Citibank through various channels including XXXX and direct phone calls, I received inconsistent and misleading information from different representatives. I was advised to wait XXXX business days for resolution. This response is unsatisfactory and has compelled me to consider closing all my accounts with Citibank. 

Violations Suspected : - Regulation XXXX ( Electronic Fund Transfer Act ) : Citibank 's failure to promptly investigate and rectify the erroneous pending status of my transactions likely constitutes a violation of Regulation XXXX, which demands quick resolution of electronic transfer discrepancies. 
- XXXX XXXX XXXX Reform and Consumer Protection Act : The deceptive practices and lack of transparency observed in Citibanks handling of my concerns may contravene the consumer protection statutes under this act. 

XXXX XXXX : I urge the CFPB to facilitate an immediate review and correction of the duplicate pending transactions impacting my account. I also request a formal investigation into Citibanks customer service practices and compliance with federal consumer financial laws. Additionally, I seek compensation for any financial inconvenience and the possibility of punitive measures against the bank for their mismanagement and misleading responses. 

Attached are copies of all relevant documentation, including transaction records, communications with Citibank, and statements from involved merchants. 

I appreciate your immediate attention to this matter and look forward to your prompt intervention. 

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

TransUnion refuse to investigate the amount of inaccurate inquires I have on my credit report.
Product: Debt collection

This debt collector continues to call my work phone number ( XXXX ), leaving a voicemail stating that I need to call them back, with no other details provided. They called three times on XXXX ( XX/XX/26 ) night after business hours. I have already submitted a complaint regarding this company once before.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my credit report and noticed there is an unauthorized credit inquiry made by the company XXXX XXXX XXXX XX/XX/2022 XXXX To my knowledge, i have not signed any documents authorizing the company in question to view my credit report. this listed inquiry was without authorization, and for no legitimate business reason. 

Finally, I am requesting that it will be removed immediately from my credit report according to the provisions of 612 ( 15 USC 1681 ).
Product: Consumer Loan

In XXXX I went to a so called friend who has a dealership cause i was in need of a car. They used a XXXX XXXX XXXX XXXX as the car to see if i would be able to get financed.The car was not even on the lot and i never seen it. They told me they were just using it to see if it would go through that i could change cars once approved. I was approved and next day they said to come back. They had car there and I didnt want it, they said finance co.wont change to pay for 6 months and i can come back and exchange.I did and then they wanted more.I couldnt do that, i just gave they XXXX.I was mad and upset they lied and was stuck with this car but i paid on it 2 yrs.It was way overpriced!!! XXXX for a XXXX car? I still owed XXXX and i just could do it anymore so I did a volunteer repo. I notified co several times to get car.My landlord had car towed off property.I notified finance co letting them know where car was, the tow company notified them by phone and certified letters and noone came to get car. Now Im being still charged full amount plus interest and late fees. The process was suppose to be they sell car at auction and any money left is what I could be responsible for but that is not what happened. The tow company salvaged the car because finance company never came to get the car. Now I am trying to buy a home and this one thing is stopping me from my dream of home ownership for my family. Please I need help to resolve this.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against PNC Bank for the ongoing issues I and many other users have experienced with mobile and online account access. 

I recently opened an account with PNC ( on XX/XX/2022 ) and have been unable to access my account through the mobile app or on a browser. When I first encountered this issue, an agent at the bank assured me that it was a temporary issue that would be fixed soon. However, it has now been several days and I am still unable to access my account. 

According to " XXXX XXXX '' sites, there have been a large number of user reports about problems with PNC 's mobile and online banking services. This has also been reported on social media, with many users stating that they are unable to access their accounts. 

What is most concerning to me is the lack of response from PNC on this issue. There have been no official statements from the bank on their websites or social media accounts, and it appears that PNC is ignoring users who are asking about these problems on social media. 

I am writing to request that the Consumer Financial Protection Bureau take action to address this issue and ensure that PNC is held accountable for their lack of transparency and customer service. The inability to access my account is a major inconvenience and is causing me undue stress and frustration. 

While I have been unable to screenshot the error screens on my phone and browser for the days I have been locked out of my account, and I understand that third party user report sites may not be good evidence, please investigate PNC Bank 's practices and how they handle their services and customer satisfaction. This issue is causing me great frustration and inconvenience, but many other people facing this are not as fortunate and rely on these services to pay their bills, mortgages, etc. and can not do so because of PNC 's negligence. 

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

I have had an experian account for many years and i need access to it now to repair my credit and they have locked me out of my account and claim that it does not exist.
Product: Credit reporting or other personal consumer reports

Trans Union is unlawfully reporting derogatory information for XXXX XXXX XXXX {$2500.00} on my credit report without my consent or proper authorization. Specifically, I have not signed any application or contract with this agency, nor have I provided them with a valid copy of my drivers license or any other form of identification that would allow them to legally report this information. Trans Union and XXXX XXXX XXXX has failed to provide a copy of any wet signature contract or application demonstrating my consent, which raises concerns about the legitimacy of their actions. I also have not given this agency the authority to access or report any information related to me under the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for such actions. Their failure to comply with these legal requirements has caused harm to my credit standing, and I respectfully request that the CFPB investigate this matter and ensure that the derogatory information is removed from my credit report immediately. Thank you for your attention to this serious issue. I look forward to your prompt assistance in resolving this matter.
Product: Mortgage

I was initially contacted by an MLO at First Guaranty Mortgage Co in XX/XX/XXXX in re : streamline refi of the FHA mortgage that I had originated with them in XX/XX/XXXX. On XX/XX/XXXX the MLO sent an email promising a 4.00 % rate with a payment lower than my current payment ; as my taxes on the property were set to go up, I decided to proceed with the application process. The whole process has been hampered by a lack of communication from the MLO, despite repeated outreach attempts by myself ( via phone and email ). The MLO again contacted me by email on XX/XX/XXXX and then I heard nothing until XX/XX/XXXX ( I had to call in a complaint to his supervisor in order to be contacted by the MLO ). In the XX/XX/XXXX email I was told that there were possible problems with the title on my property -- a possible lien from the state. Since sending additional information into FGMC so that their Title Co can research the issue I have yet to hear back as of XX/XX/XXXX, despite sending two follow-up emails. 

I know that the FHA rate is now greater than 4.00 %, so I do not see that the company will be able to honor the rate that was promised to me in their XX/XX/XXXX email. I believe their lack of timely communication and follow-through may have cost me the opportunity to lock in a beneficial rate ; additionally, this drawn-out process for what was supposed to be a streamlined refinance has cost me the opportunity to attempt a streamline refi through another company because I do not want multiple pulls on my credit report.
Product: Credit reporting or other personal consumer reports

Date of inquiryXXXX Delete!! 

Unathorized inquiry XXXX  Date of inquiry:XXXX Delete!! 

Unathorized inquiry. 
XXXX  Date of inquiryXXXX Delete!! 

Unathorized inquiry XXXX XXXX XXXX  Date of inquiryXXXX Delete!! 

Unathorized inquiry XXXXXXXX XXXX XXXX Date of inquiry:XXXX Unathorized inquiry XXXXXXXX XXXX Date of inquiryXXXX Delete!! 

Unathorized inquiry XXXX XXXX Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXX Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXXXXXX XXXX XXXX Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXX XXXX XXXX XXXX  Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXX XXXX XXXX Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXX Date of inquiry:XXXX Delete!! 

i noticed this issue in XXXX correct information needs to be removed : XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX  # XXXX XXXX, NY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # FL XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX # # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX UNDER 15 USC 1666b THIS LATE PAYMENT ENTRY IS A VIOLATION. I HAVE BEEN INCORRECTLY BILLED. 
XXXX  XXXX Account NumberXXXXXXXX please update the status of this account to " paid on time ''. 

Under 15 USC 1666b this late payment entry is a violation.I have been incorrectly billed. 
XXXX Account Number:XXXX******** Please update the status of this account to " paid on time ''. 

Under 15 USC 1666b this late paymententry is a violation.I have been incorrectly XXXX Account Number:XXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX Account NumberXXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX  XXXX Account NumberXXXX Please update the status of this account of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX Account NumberXXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX Account Number:XXXX********** Please update the status of this account to " paid on time '' This account needs to be validated. 
XXXX Account Number:XXXX**********
Product: Debt collection

I never heard of this company before and I do not know how they have my number in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

With CapitalOne Bank I have wasted a lot of time during the last 4 months ( since XXXX/XXXX/16 ) while trying get back my money that a merchant stole from me. CapitalOne just keeps putting me through hassle again and again - by making me talk with its reps on the phone, fill out endless paperwork as a formal dispute, explain it all over again and again ... I have already filed a claim with XXXX before on this matter. All useless. The disputed amount keeps being refunded on my credit card and then rebuilt/charged back. I am not going to talk it over here again. Now, my resolution offer is as follows : send me a CHECK on DOUBLE disputed amount. Period.