23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : XXXX XXXX  : XXXX  address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
XXXX
Product: Credit reporting or other personal consumer reports

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to you in regard to someone opening accounts under my name. I haven't given anyone permission to open any accounts in my name, nor have i signed for these accounts to be opened. Some of these accounts I did not open, I'm not sure how they were opened without my consent. Some of these accounts need to be validated ; I believe they are not accurate. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Us Bk Pt Ct Ga Account Number : XXXX. Also, there are discrepancies on the 3 bureaus meaning All 3 bureaus information does not match up. From my understanding if all bureaus are reporting the same information, then the account should be delated. I also would like to see documents bearing my signature that I opened the accounts. Without my signature anyone could have perpetrated with the opening of these account. 
Also, there are hard inquiries that need to be removed due to this identity theft. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card XXXX XXXX XXXX XXXX  XXXX. 

Upon further research Fair Cret Act states that all credit reporting bureaus must be accurate with reporting on all 3 bureaus. In accordance with Fair Credit Act these companies listed 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 consent.
Product: Debt collection

Upon monitoring my credit reports because of identity fraud this new account appeared on my transunion report and called the place but was put on hold then someone hung up on me! I disputed this account XXXX XXXX and immediately sent FTC report to Transunion and to XXXX XXXX! Transunion received my certified mail with the FTC report copy of ID and such and did not do anything about this fraudulent account! They did not investigate it! I disputed this fraudulent account once again and transunion still has not done anything about this! They sent a letter stating that they would not be blocking this fraudulent account!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The information I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following INACCURATE ADDRESSES. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am submitting a complaint about experian credit reporting agency. I just received my credit report again and I went to re-dispute information on there that is incorrect. Experian will not allow me to re-dispute the information. I have XXXX accts that are held with XXXX bank ... .XXXX. I was told by experian a few months ago that I need to contact the bank directly. I contacted the bank and it was confirmed that my accts were not late and should be showing as satisfactory on my report. I received XXXX seperate letters for each credit card company. I sent in the letters as proof and all they did was fix my express account and put that to the satisfactory where it belongs. As far as my XXXX and XXXX cards they are still listing as negative. This has been going on for months as it is affecting my score which is giving me a hardship in obtaining credit etc. I am annoyed that experian will not let me re-dispute the information. This is completely wrong. This is my credit and information on the report is INCORRECT and they are doing nothing about it. I have provided substantial proof probably 4 times already. My question is why would they finally fix my express account and not the other XXXX being all XXXX cards are held by the same bank. This information should have been corrected all at the same time. It just proves to me that they do not do a thourough investigation and do n't care about me sending them the letters from commenity bank telling them these acct 's were not late and they should show as satisfactory. I also had identity theft done with a XXXX card and XXXX XXXX. I contacted XXXX directly as well ... .i filled out the investigation report XXXX sent me and received confirmation after there investigation it was identity theft and the information should be removed from my report. ( which it is ) however the XXXX XXXX acct that was opened as a result of identity theft they are doing nothing about. Experian just keeps updating the information. I am beyond fustrated as this is my credit and not there 's and it is affecting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX-2020, I personally mailed a letter in regard to inaccurate and unknown information on my credit report directly related to the Equifax data breach. It's been almost 60 days and I've yet to receive a response. I feel taken advantage of and dismissed by this lack of respect and consideration. Section 611 ( a ) clearly states that failure to investigate these items within 30 days is grounds for immediate removal. I demand a swift and prompt removal of all accounts disputed or I'll be forced to file litigation against all parties. Thank you kindly in advance.
Product: Debt collection

Receive a phone call from my employer in XX/XX/XXXX stating that XXXX XXXX Inbox Credit is trying to attempt to collect a debt dated back XX/XX/XXXX with a wage assignment form. I called the company on that same day to resolve the debt they stated they couldn't help me and wanted my employer to send them back the form fill out with my payroll information. I don't even remember getting this loan out and no prior contact was made to be via mail or phone call. they sent my employer a incomplete form which I've attach.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I disputed on MyEquifax portal 2 unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I had already contacted the creditor and they have not provided me with proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal. I asked Equifax to DELETED these unconfirmed inquiries lacking certifiable evidence unless physically certified, verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act. Equifax failed to disclose the proper written authorization or permissible purpose documents and is in violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim. these items need to be removed asap. this has affected my credit in a huge way XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My identity was stolen and a credit car was opened fraudulently in my name Bank name : XXXX XXXX XXXX XXXX. date open :XX/XX/2016 balance : is XXXX I have Provided FTC affidavit, police report and all documentation to credit Bureau experian has not taken this account of my credit and they are giving me a hard time this is now affecting my credibility and my reputation
Product: Money transfer, virtual currency, or money service

Subject : Complaint Regarding Unauthorized Transaction on Cash App Dear CFPB, I am writing to file a complaint about a n unauthorized transaction that occurred on my Cash App account. 

Details of the Incident : Date of the Transaction : XX/XX/year> Transaction Amount : {$1000.00} Recipient or Description of Transaction : Cash App Refunded the funds to a XXXX XXXX XXXX XXXX. I have never sent or received any money from the Business. I do not know this person. I called Cash App and explained to them that this is a mistake, and they told me that there is nothing they can do about it and that it is finale. I reached out to XXXXXXXX XXXX  ; they gave me the funds back until they did an investigation. On XX/XX/year> they reversed the payment and gave it back to XXXX XXXX XXXX XXXX. XXXX told me that the reason they gave them my money is because they verified who they were. I explained to them that I'm disputing the fact that I never sent them money. No one from XXXX reached out to me for any documents or statements that may have helped with the investigation. I have tried to look this company up and could not find anything. I believe that I have been a victim of Wire fraud and XXXX XXXX is allowing it to happen. 

My Cash App Account Details : XXXX XXXX This Transaction was neither authorized nor initiated by me. I discovered the issue on XX/XX/year> when I reviewed my account. 

Steps Taken So Far : 1. I contacted Cash App support via their in-app support feature on XX/XX/year> to report the unauthorized transaction. When i couldn't get it resolved with them, I contacted XXXXXXXX XXXX 
2. I requested a refund and provided all relevant details, but Cash App denied my claim. 
3. I also reported this matter to my bank XX/XX/year> but also denied m claim. 

Despite my efforts, this matter remains unresolved. This has caused financial and emotional stress, as this unauthorized withdrawal directly impact my account balance. 


Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This agency says that it charges on behalf of XXXX and I have no debt with XXXX, since I was never answered the call from costumer service or the calls were closed and the offer they offered was for a service, which I never had, therefore I am EXHED from debt. This information can be corroborated and investigated in my phone calls to the XXXX company, it can also correct the immediate attempt to return the equipment which was not accepted, all this can be proven through calls from my phone number to the company.
Product: Debt collection

Portfolio Recovery Associates has 5 accounts listed on my credit report that have not been verified. I wrote a letter on XX/XX/2019 to Portfolio Recovery Associates requesting them to provide me with validation, made pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, along with the corresponding local state laws. They have continued to attempt to collect debt with failure to provide proper verification under the Fair Debt Collection Practices Act and filed a Judgement against me after they received a second letter from me written on XX/XX/2019 requesting this same verification. Portfolio Recovery Associates is not licensed in the state in which I reside in which is Michigan. It is illegal for Portfolio Recovery Associates to collect in a state that they are not licensed in. I would like the 5 accounts with Portfolio Recovery Associates to be removed from my XXXX, XXXX and XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe Chase received my credit report with out my consent on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not aware of authorization of these credit request by CHASE and have found this will reviewing my report to buy a home
Product: Debt collection

Hello, ERC is reporting a collection that is unknown to me, I sent a debt validation letter dated XX/XX/XXXX to the company that was delivered on XX/XX/XXXX. This letter was sent certified mail via USPS with the following tracking number XXXX. The company did not respond to me. I sent another letter certified mail dated XX/XX/XXXX advising that I believe they have violated my rights by failing to verify a debt at my request. This letter was sent using the tracking number XXXX. To date they have not sent any information to me yet this debt is still being reported.
Product: Credit reporting or other personal consumer reports

I'm addressing FCRA violations, specifically 1681b ( a ) ( 3 ) ( f ) ( i ), related to unauthorized inquiries on my TransUnion report. These were made without my consent and I have no transactions or accounts with these corporation. The FCRA only allows obtaining a consumer report for authorized purposes or as certified under 15 USC 1681b ( f ).
Product: Credit reporting or other personal consumer reports

PLEASE UPDATE LATE PAYMENT TO PAID ON TIME OR AS AGREED 

15 USC 1666B see attached document
Product: Credit card or prepaid card

I just want to tell people that the credit card from Capital One does not cover fraudulent transactions. Just stay away from it. They think that in one day I was able to skimp at a supermarket in XXXX and then the next day fly back home to the United States and refuel or buy something at a gas station. Their clever specialist in fraudulent operations thought so, no logic at all, especially with the situation now with the coronavirus. 
There was a transaction in another country and they wrote to me that I received benefitted from it. Very funny and commendable. I know that they will not revise anything ... Just for recall. Ugh, how disgusting.
Product: Credit card or prepaid card

A payment I sent into Barclays Bank for my credit card for XXXX was miscoded by XXXX. They took XXXX. This resulted in my checking account being over drafted and fees of {$220.00}.
Product: Money transfer, virtual currency, or money service

Regulation E providers consumer with certain protections ensuring that possible liability is greatly reduced in the event that said customer encounters financial malfeasance through no fault of their own. While Cashapp is certainly new type of financial platform that has entered the market place ; the controlling legal authorities have wasted no time in assessing what obligations Cashapp has in Regulation E compliance, since technically said organization is not a " bank ''. Cash app has blatantly disregarded the protections that Reg E provides for such customers. 

On XX/XX/XXXX I contacted cashapp with concern about four transactions that were on my account that I did not authorize. It appeared that I had somehow been scammed, and Cash app was made aware of this immediately. From the initial contact that I made with cashapp, said organization appears to have blatantly ignore Reg E requirements. Caahapp FORCED me to request a refund for the transactions that was no authorized by me. ( This is in stark contrast to Reg E note the See Comments 11 ( b ) ( 1 ) -2 and 11 ( c ) -2. For example, in 2019-BCFP-0001, the Bureau found that the practice of requiring a consumer to contact the merchant before initiating an error resolution investigation was a violation of Regulation E. Similarly, the Fall 2014 edition of Supervisory Highlights discussed instances where examiners found that one or more financial institutions had instructed consumers to contact the merchant instead of promptly initiating an error investigation. ) After the refund request were denied I then filed a dispute with Cash aopp on XX/XX/XXXX. Cash app was made aware of which transactions were unauthorized and their proceeded to collect some information about then said transactions. Cashapp then informed me that within 10 business days they would decide wethere or not the could provide a temporary credit for the amounts. They stated that they would email this decision within 10 days. Regulation XXXX provides this protections and it is clearly laidout. After the ten business days I contacted cashapp about the situation with the temporary credit and they were very standoffish and would not say anything. Regardless I have never received said determination about the temp credit.
Product: Credit reporting or other personal consumer reports

[ XXXX A XXXX ] [ XXXX XXXX XXXX XXXX, unit XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Complaint Against Equifax for Violation of the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally lodge a complaint against Equifax for XXXX the Fair Credit Reporting Act ( FCRA ) by failing to exercise due diligence in processing and reporting accurate information to my credit file. 

Despite submitting certified documents, including my current lease, W-2 with complete SSN, paycheck stub, birth certificates, Georgia ID , and USPS address change form, Equifax has repeatedly neglected my requests to update my credit report with accurate information. This includes my legal name, XXXX XXXX XXXX, my address at XXXX XXXX XXXX XXXX, and my employment details at XXXX and XXXX XXXX, which are correctly reflected in my reports with XXXX and XXXX. 

This negligence violates multiple provisions of the FCRA, specifically : 1. **Accuracy and Integrity

Requirement ( 15 U.S.C. 1681s-2 ) ** : Equifax is mandated to ensure the accuracy and completeness of the information it reports. The failure to correct and update my personal information constitutes non-compliance with this requirement.

2. **Procedures for Consumer Disputes ( 15 U.S.C . 1681i ) ** : Equifax is required to conduct a reasonable reinvestigation of any disputed information. Despite submitting disputes and supporting documentation three times, Equifax has failed to take appropriate action to rectify these inaccuracies.

3. **Enforcement and Non-Compliance** : Under the FCRA, failure to comply with accurate reporting mandates can result in regulatory action, penalties, and potential damages to consumers for any harm caused by inaccuracies in their credit reports. 

Equifax 's failure to accurately report this information has severely affected my ability to secure financing for both personal and business purposes. Lenders have reported difficulties in locating a credit file that matches my legal and given information, which has been problematic for accessing credit and accurately assessing my current creditworthiness. 

I request immediate correction of my credit file to accurately reflect my personal details and credit history. Additionally, I urge your office to investigate this matter thoroughly to prevent further violations and to ensure Equifax complies with the FCRA. 

Please provide a written response acknowledging receipt of this complaint and outlining the steps Equifax will take to resolve these issues promptly. 

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

Sincerely, [ XXXX A XXXX ] Enclosures : Copies of supporting documents ( lease, W-2, paycheck stub, birth certificates, Georgia ID , USPS address change form )