23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX PORTFOLIO RECOVERY ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim ( Collection account of {$940.00} was charged off ). This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Debt collection

Transworld systems reached out to me via postage claiming to collect on a debt. I immediately requested more information upon receiving their letter, and they responded to me around 20 days later. When I opened the packet, there was an itemized bill from XXXX stating I owed them {$2600.00}, which is also what's listed on my credit report. There was also a small letter from Transworld Systems claiming they were collecting a debt in the amount of {$3000.00}, with no explanation for the difference. It is illegal and directly against the FCRA to collect more than the alleged original amount owed.
Product: Credit reporting or other personal consumer reports

Hi, My Name is XXXX XXXX. I am contacting you to inform you that I am a victim of multiple data breaches from XXXX and A Hospital therefore, I would need all of the accounts on my credit report that have been exposed, compromised, and/or illegal opened to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days
Product: Credit reporting, credit repair services, or other personal consumer reports

This Credit Reporting Agency ( CRA ) keeps furnishing inaccurate and incorrect information despite multiple disputes. They keep telling me that information has been " verified '' however the loan servicer has CLOSED and no longer has anyone working for them who can " verify '' anything. My new loan servicer states they do not see any late payments and that I need to contact the original loan servicer ( XXXX ) but XXXX is CLOSED so I can not request any copies of letters or request debt validation. 

I have multiple accounts ( tradelines ) posting to my credit report for XXXX XXXX XXXX  and EACH account is showing 90 days past due for XX/XX/2019 and 120 days past due for XX/XX/2019. Specifically : XXXX XXXX tradeline with balance of {$15000.00}. Comments " dispute resolved. '' This dispute was never resolved. Shows 90 days past due in XX/XX/2019 and 120 days past due in XX/XX/2019. On the 90 day late line-item the CRA reports XXXX invalid date. '' XXXX XXXX tradeline with balance of {$57000.00}. Comments " consumer disputes after resolution. '' There was no resolution. Shows 90 days past due in XX/XX/2019 and XXXX past due in XX/XX/2019. On the 90 day late line-item the CRA reports XXXX invalid date. '' XXXX XXXX tradeline with balance of {$36000.00}. Comments " consumer disputes after resolution. '' There was no resolution. Shows 90 days past due in XX/XX/2019 and XXXX past due in XX/XX/2019. On the 90 day late line-item the CRA reports XXXX invalid date. '' Please update these accounts to reflect the accurate information. You are unable to verify information because XXXX has closed. I am unable to request debt validation or request a payment ledger because XXXX has closed. I can not log into my former online account to retrieve letters to support this dispute because XXXX has closed.
Product: Credit card or prepaid card

I have had my Wal-Mart Credit card for years now. I'm always on time in payment and I am never late. Capitol One Bank took over the Walmart card. Now they want me to provide information about My address were I live that they already have. I have conversed with them on several occasions about this problem. I told them its the same address that is has always been. Even on my regular Capitol One credit card I told them its the same address as that one. 
So they suspended my Wal-Mart account because I wont tell them what they already have on file for my address. All that information transferred when they bought the accounts from the previous holder. But in the meantime I Will continue to make my payments on the Walmart card. All the information is the same. 
They should use it.
Product: Money transfer, virtual currency, or money service

I want to file a fraud transaction report that happens to me, I have become a fraud victim on our transaction with XXXX XXXX, XXXX, XXXX, Florida. - I pre-ordered five XXXX Bikes with total of {$15000.00} in XXXX XXXX. I did a wire transfer to XXXX XXXX Account two times, {$9000.00} in XXXX and {$6000.00} in XX/XX/XXXX. XXXX XXXX promised to deliver these five XXXX in mid-XXXX XXXX. However, until today ( XXXX of XX/XX/XXXX ), they have not delivered any of these bikes, or sent any refund to us. - I have tried to discuss with them since midXXXX XXXX, regarding our order and possibility of refund. However, they always make an excuse to us in regards the delivery, pick-up in store & refund, also I have a difficulty to contact them. - I have contacted our Bank, to help me to get the refund. However, they could not help me to reverse the wire transfer that has been made. I made three wire transfer with two different Bank. My first bank transfer was with XXXX XXXX, and my second & third transfer was with TransferWise. - Furthermore, I checked some review in XXXX, XXXX, XXXX, and XXXX about XXXX XXXX, I found there are some people that has a same issue likes me. Based on this information and our above-mentioned situation, I believe that XXXX XXXX has done a fraud transaction to us. - I have all the evidence to support my case, such as my wire-transfer, invoice and written communication with XXXX XXXX. I hope CFBP Team could help us to solve this issue, and prevent this issue happens again to our community. Thank you so much for your attention and further support. - Warmest Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting an inaccurate incorrect Bankruptcy on my credit report i disputed they claimed to have verified received a copy of my report from their source doesn't reflect any bankruptcy so i am not sure as to why they are reporting inaccurate unverified erroneous information on my report would like them to investigate as to why they are reporting incorrect information on my report
Product: Mortgage

I was working out a loan modification with specialized loan servicing.Who was given the loan by XXXX.The amount that i owed was XXXX whenI received the paperwork the amount of XXXX I called them and they said mail in the statement from XXXX which i did the amount was never corrected by them.I have been paying my new mortgage amount on time every month.Can they legally just charge me for something i do n't owe? Do I have to get an attorney or who can get to help me with this situation.I am not sure who i can turn to at this point.
Product: Credit reporting or other personal consumer reports

I am request the removal of a charge-off auto loan account with Capital One from my credit report ( s ), as this debt has aged beyond the statute of limitations for collections. In addition, I have completed settlement agreements, but the account still remains on my report ( s ).

According to the credit reporting guidelines, this debt is now beyond the statute of limitations for collection in ( Maryland ), which is 3 years.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Upon reviewing my credit report, I have identified several billing errors that constitute violations of 15 U.S. Code 1666 ( b ). Specifically, the creditor has failed to comply with the requirement that payments on an open-end consumer credit plan must not be considered late unless each periodic statement is mailed or delivered no later than 21 days before the payment due date. Additionally, there has been a failure to accurately reflect payments or credits issued to me, and a computation or similar accounting error on the creditors statement. Since I was not notified 21 days before the payment due date, any reported late payments on this account are incorrect. I request that you provide solid proof from the creditors bank account showing that I did not make the payment and that it was marked late, as this indicates a billing error. The items in question must be updated to " paid as agreed '' on my consumer report. 

XXXX XXXXXXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX XXXXXXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report.
Product: Debt collection

Didn't receive enough information to verify debt. 
I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA. 
I would like them to cease collection activity with regard to this account.
Product: Credit reporting or other personal consumer reports

After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately : XXXX XXXX - XXXX - I do not recognize this at all. - Delete this immediately.
Product: Debt collection

Formal Complaint Regarding Duplicate and Inaccurate Reporting of Charged-Off Debt Dear Consumer Financial Protection Bureau ( CFPB ), I am XXXX XXXX XXXX SSN : XXXX ). I am writing to formally report and dispute erroneous credit reporting by XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX collection agencies concerning a charged-off credit card debt. The details of this issue are as follows : Collection Agency XXXX : Account Number : XXXX Reported Balance : {$4600.00} as of XX/XX/year> Collection Agency XXXX : Account Number : XXXX Reported Balance : {$4600.00} as of XX/XX/year> These entries represent the same charged-off credit card debt yet are reported twice on my credit report. Moreover, the amounts differ, indicating a clear discrepancy that reflects inaccurate reporting. 

Violations and Consumer Law References : Fair Credit Reporting Act ( FCRA ) : Both XXXX and XXXX have a responsibility to ensure the accuracy and completeness of the information they report. The presence of duplicate entries and mismatched balances is a direct violation of FCRA Section 1681e ( b ). 

Fair Debt Collection Practices Act ( FDCPA ) : The XXXX collection agencies are potentially violating FDCPA by attempting to collect the same debt twice and misrepresenting the amounts owed. This raises concerns about deceptive and unfair practices. 

Fair Credit Billing Act ( FCBA ) : The discrepancies between reported balances from the same origin debt highlight a failure in compliance, affecting my rights under FCBA for accurate billing and reporting.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
TRANSUNION, I demand to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
Name of Account Account Number Provide Physical Verification XXXX/XXXX  XXXX Unverified Account
Product: Credit reporting or other personal consumer reports

To Whom it may concern I am writing you regards to the inaccuracies that are being reported on my credit report which are in violations of my consumer rights.Also I was a victim of the XXXX XXXX breach. I am demanding that this information be corrected on my credit report. 

15 U.S. Code 1681 i ( a ) In general subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly disputing the wrong information requesting for the information to be DELETED IMMEDIATELY. I only have one home address and that should be the only one reporting on my credit report. 

My current home address and only address is and has always been as follows XXXX XXXX Ct XXXX Ca, XXXX Addresses that dont belong to me and should not be reporting on my credit report is down below XXXX ). XXXX XXXX XXXX XXXX XXXX Ca, XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX XXXX ). XXXX XXXX XXXX XXXX Ca, XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX Way XXXX Ca, XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Ca, XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca I also see phone numbers that do not belong to me the phone numbers are listed below XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX MY CURRENT EMPLOYER IS, XXXX Steps forward XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX There is multiple employers that are also being reported that should not be reporting on my credit profile. The employers that need to be deleted are listed below. 

XXXX ). XXXX XXXX XX/XX/XXXX XXXX ). XXXX XXXX XXXX XX/XX/XXXX XXXX ). XXXX XXXX XX/XX/XXXX XXXX ). XXXX XXXX XX/XX/XXXX XXXX ). XXXX XXXX XXXX XX/XX/XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

Thanks kindly XXXX XXXX XXXX
Product: Mortgage

We have completed a complaint with your agency before about this same problem with Wells Fargo Home Mortgage Company. 4 times, we have contacted Wells Fargo Home Mortgage Company about our missed payments during COV-19 Forbearance. We advised them 4 times that the payments were Deferral to the end of the loan, but we keep getting harassment letters NOW for full payment. We don't know if Wells Fargo Home Mortgage was supposed to send us a letter or something to complete for the deferral payments, but now we are getting more letters from Wells Fargo Home Mortgage ( 2-3 ) letters weekly even now letters from a collection 's agency. Please Help with this problem. 

Ps. The telephone calls stopped now Letters picked up. We signed a letter for limit contact from Wells Fargo, but they keep playing games with these harassing letters ( 2XXXX ) letters weekly.
Product: Consumer Loan

I take out a loan from XXXX XXXX in XXXX for {$2600.00}. At the time I was really desperate. Once the money was deposited to my account, XXXX XXXX immediately turn the loan over to a debt collection company name Cash Call. I 've been paying {$290.00} every month since XXXX XXXX. I call customer service a few days ago and was told that I 'll be paying this loan until XXXX XXXX. I know I 've paid this debt back already, over {$7000.00}. I would love some relief from this debt that 's hanging over my head. If I continue to pay until XXXX I 'll be paying over {$15000.00} for a {$2600.00} loan. Please help me.
Product: Mortgage

We got into a XXXX loan, and applied with SLS for a workout. For 2 years, we provided all documents. SLS assured us, there would be no problem, but ended up taking our home, by even deceiving our attorney until after the Sheriff 's sale and the 10 day rite of recision, at which time, they contacted her to say it was too late. 
They ignored a COURT ORDER to provide a workout to us, and basically ignored all that we sent for TWO YEARS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting two issues : XXXX. I received mail from XXXX XXXX XXXX, notifying me that my application for the XXXX XXXX card was declined due to incomplete or unsatisfactory information. 

I never applied for such card or account. 

In checking my credit report a hard inquiry does appear from XXXX  XXXX XXXX XX/XX/2023. 

I have reported to Experian and requested that a fraud alert be placed on my account. 

XXXX. On XX/XX/2023 I received a letter on XXXX XXXX XXXX XXXX, stating that my application was declined due to unsatisfactory or unverifiable information. It was a very detailed letter containing my correct credit score. It referred me to XXXX reporting Agency, but I was reluctant to contact either XXXX or XXXX based on the suspicious nature of the letter. I have made a note with Experian that this was an unauthorized application. It is not currently showing on my Experian report, but I am concerned that it will appear at a future date. Perhaps it is not showing because it is so recent, or perhaps it would appear on a report issued by another reporting agency.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

I refer to the letter dated XX/XX/2018 exchanged with the Bank of America [ signed by XXXX XXXX ] where following lengthy correspondence about my expected service as a XXXX  service they are concluding that they are not in a position to evaluate my feedback or I am being given this impression.

I kindly urge you to contact the XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX, XXXX to establish a formal dialogue at the inter-governmental level, this seems to be missing to start with. The identity may be verified with the same government, specifically IDMO, whose office is at XXXX XXXX, XXXX XXXX, XXXX, XXXX.

You may make relevant correspondence accordingly such has been suggested even to the banking officials in question who claim to have other clients to attend to at the moment.

A framework for exchanging information at reasonable charges is surely missing.

I wish you all the best.
Product: Debt collection

I requested the original debit agreement from the company that purchased debit as we disputed the debit. Because the company sold our account to a new company damaging our credit during the pandemic stopping our automatic payments. Next, they called thinking they were discussing the account with myself however they harassed my daughter trying get her to pay the account off. When she informed them there was insurance on the account, and it was sold to another account, and they need to speak with us they hung up on her. Upon calling in to inform them that we need the insurance number due to our house fire they hung up and said it's in collections. This company has failed to provide the information to us for the dispute and racked up high interest rates on our account. Now they offered a payment plan to end all court conflict however they are trying to place a judgement against us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute directly to this company and asked for the 1099-c form due to this account being reported as charge off and according to the IRS a charge off account is ordinary income and income is not reported on my credit report. This violates 15 USC 1681c-2 and 15 USC 1681 section a I am requesting a copy of 1099-c to see the correct amount of balance after charge off. This account is reporting wrong balance which makes this inaccurate and incomplete