23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Portfolio Recovery Subject : Debt Validation Request under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) Dear PR ( account XXXX ) I am writing to formally request validation of the debt that you claim I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g. I do not acknowledg

e or consent to this alleged debt, and I request that you provide clear evidence of its validity before any further action is taken. I Require the Following Validation of the Debt : 1. The Name and Address of the Original Creditor to whom this debt is owed. 2. A Detailed Accounting of the Debt, including : The original amount of the debt. Any interest, fees, or other charges added to the original balance. A complete payment history and how the current amount was calculated. 3. Proof that You Have the Legal Authority to collect this debt, including documentation of any assignment, transfer, or purchase of this debt. 4. Proof That I Am Legally Obligated to pay this debt, including : A copy of any contract, agreement, or instrument bearing my signature. Verification that this debt is not barred by the statute of limitations. 5. Proof of Licensing : Documentation that you are licensed to collect debt in the state where I reside. Cease All Collection Efforts Until Verification Pursuant to 15 U.S.C
. 1692g ( b ), you are required to cease all collection activity until this debt has been properly validated. Any further attempts to collect without providing proper validation will be a direct violation of the FDCPA and may be reported to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities.

No Reporting to Credit Bureaus Additionally, I hereby request that you do not report or continue reporting this alleged debt to any credit reporting agencies until proper validation has been provided. Failure to comply with this request may result in legal action.

Please respond to this request within 30 days of receipt of this letter. I expect all further communication to occur in writing to the address listed above.

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

Mortgage account was mistakenly reported in XXXX of 2019 on my XXXX  credit reporting resulting in the removal of the tradeline. Have contacted dovenmuehle and XXXX  to have this account verified as accurate. Several complaints and Months later, dovenmuehle states it's been reported to the credit bureau while XXXX  is stating it has not been reported. Below are both letters to indicate someone isn't being truthful or accurate in they're statements. This missing information on my credit report is resulting in a loss of credit score by 21 points, damaging my credit worthiness.
Product: Checking or savings account

We a claim to USAA after contacting XXXX 's several times about defective flooring that we installed. We requested for our funds to be returned as we have to now buy new flooring as a result of the defective flooring, which USAA did in a provisional credit. In addition to contacting the bank, we also put in a XXXX  complaint on the company which then they responded and stated they will come to a resolution for us. They asked XXXX twice for extensions to make things right, a person came out to our home in XXXX and took pictures of the flooring and stated verbally as well that they can see the scratches, indentation and chipping in the flooring thru out and that was it. The last correspondence we received was on XX/XX/XXXX from XXXX 's stating again that they are trying to come to a resolution. We have been trying to get this resolved since XX/XX/XXXX. USAA then reversed the credit they gave us for the flooring charge on XX/XX/XXXX stating that due to an investigation there was no error made when I called in asking why after seeing our checking account. After speaking with 4 individuals, it was determined that there was in fact no investigation done and that they wanted me to send documentation in in addition to a statement about why the amount was different ( less than ) what we requested the credit for. They stated a letter was sent and I informed them that I did NOT receive a letter asking of any documentation and that in fact, when I first called the claim in, I proactively told them I wanted to send in documentation and gave a very long and detailed report for the claim to submit explaining why the amount was less than initial charged. We returned some boxes of flooring that we were already given a credit for and the remaining is what was used or the boxes that were defective due to being broken or chipped. This was explained in great detail and they can even review the call that was made. So they lied about the " investigation ''. I sent in the documentation and proof for the claim today and requested someone from management in the claims department to give us a call and to reverse the credit as XXXX has done NOTHING to resolve the issue.
Product: Debt collection

All amounts rounded to whole dollars. All dates 2021. In XXXX, XXXX overcharged my credit card {$18.00}. I authorized {$73.00}. They billed {$91.00} without authorization. They did the same thing in XXXX. XXXX. I closed my account XX/XX/XXXX and owe {$17.00} for 7 days. XXXX. XXXX owes me {$19.00}. They told XXXX XXXX XXXX That I owe {$100.00}. I dont care about the {$19.00}, but want them to correct what they told the debt collector and make it clear I owe nothing. Are you able and willing to help?
Product: Debt collection

I keep getting harassed by this company and i have no idea who they are and what exactly they are talking about. i have sent in letters in response to the ones that they send me telling them that they are so wrong in who they are contacting, which is now harassing. i just want it all to stop but they have n't, just founds out that they put it on my credit.
Product: Money transfer, virtual currency, or money service

On Saturday   XXXX   XXXX  , I agreed to transfer tickets to someone for a concert in  XXXX , FL. The agreed upon price was {$1600.00} for  four tickets. The buyer wanted to send me payment via VENMO, which is marketed  by the company to be a safe and secure way to send money easily fro m one perso n to the other. In my previous experience of using the app, I agreed with this.     The person sent me  eight  {$100.00} transactions and  one of  {$800.00} for a total of {$1600.00}. The VENMO app then reflects the amount that you have in your VENMO account in green font and with a plus sign- example : + {$1600.00}, therefore, it APPEARS as if you have instant money. You then have to transfer the money to your bank account which takes  2-3 day s.     It is not until the transfer process begins that VENMO actually begins to verify the funds. I contacted them via help chat expressing my concerns that I was possibly scammed and was basically told to just wait and see what happens to see if the money goes through to my bank. I then received an email from VENMO abou t 2-3  days after the transaction basically informing me that I had been part of a scam and that they were n't at liberty to say how I was scammed but that I indeed was part of a scam, there was nothing that they or I could do, it also said to basically be careful next time, only use the app with people that I know, and that I was out of luck to recover my {$1600.00}.     After complaining to VENMO and demanding they remedy this issue, they responded back by saying they will be permanently deactivating my account, will not offer anything, and will not answer future inquiries.     My main issue/grievance with VENMO is that they are very deceptive in their marketing tactics and exactly how the app works. The " money '' shows from one user 's account to the other " instantly '' and appears to be clear and readily available for transfer to the user 's bank account.     I want VENMO to be more transparent in how the app works and I want them to make me whole again by providing remedy to me in the amount of my loss, which is {$1600.00}.     Thank You,  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/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 reporting or other personal consumer reports

Creditors are not able to pull my credit report. There is no fraud or freeze alerts. I have changed/dispute the current address on my equifax credit report to XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Equifax will need to change the report to the address as the address info will match up to what's on my lender application. They need to fi this issue as it is causing the lender to not be able to pull the report.
Product: Credit reporting or other personal consumer reports

XXXX app alerts have been popping up with Black Market Website Surveillance. Saying my information is on the Black Market and to change my passwords on my accounts. I don't recognize these inquiries so please have them deleted from my reports. 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: Checking or savings account

bank of america my debt card was used with all positive balances in the account at time of purchases starting date XX/XX/2020, today is XX/XX/2020, they held all processing until today so they can charge me 6. {$35.00} overdraft charges all at once .to collect the fees. ill explain. 
The first transaction was done XXXX FOR {$9.00} point of sale debt charge went thru. 
Next : merchant debt for {$1.00} charge went thru. 
all positives balances in checking account at time of t transactions Today XX/XX/2020, I had 2 charges come thru at XXXX XXXX on XX/XX/2020 usually in my business account i have ample time to cover these 2 charges before XXXX XXXX  banking hours. they blame it on merchant processing they are all debt cash transaction. 
Last charge was a XXXX transfer from my checking account to a relative account, cash balance positive in checking account. today the charged {$35.00} charge for that transfer as well. 
my complaint is all transaction are mine but they did not post transaction until my account was in the negative which was XX/XX/2020 I will not pay these fees deceptive account practices complaint # XXXX for bank of america filed
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Louisiana Laws Dear MB FIN SVCS, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Louisiana state law regarding identity theft and fraud.

It has unequivocally come to my attention that MB FIN SVCS has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Louisiana Revised Statutes ( LRS ) Title 9:3571.1 provides clear guidelines regarding the protection of consumer information and credit reporting. This statute emphasizes the necessity of accurate and fair reporting practices and reinforces the importance of consumer consent in the sharing of personal information. Furthermore, under L
RS Title 14:67.16, which addresses identity theft and the illegal use of another persons identifying information, it is clear that the unauthorized use of personal data, including credit reporting, is a serious offense under Louisiana law. 

I assert with unwavering certainty that I have not provided consent for MB FIN SVCS to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that MB FIN SVCS immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the applicable provisions of Louisiana law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Louisiana state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that MB FIN SVCS will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX I visited a golden one credit union at their location XXXX XXXX XXXX XXXX XXXX, CA XXXX. I deposited a cash amount of {$400.00} at the walk up atm and it took several minutes and made weird noises and spit back a recount out saying there was an error of giving me back my money sorry for the unconvinced I then went inside with my card and the receipt, once I reached the lady inside named XXXX, she then proceeded to tell me they would have to make a claim and if the atm came back uneven the money they credit me would be taken back. I proceeded to ask her so I deposited XXXX in cash and youre telling me if the machine comes back uneven you guys are going to take my money and not give me the credit and she continued to give me attitude about how what she said was policy. 


Everyone I speak to at golden one is unhelpful in telling me That it was a mistake on their end and I feel as if I have been scammed out of my {$400.00} I earned from work.
Product: Consumer Loan

Paypal-i signed up and logged my credit card for a purchase. Only when I began receiving calls and mail from collectors and hours on the phone did I discover I had opened a line of credit and used it without ever knowing. I had to pay fees larger than the original amount and it impacted my credit score.
Product: Debt collection

Dear Sir/Madam, I am writing to you regarding an erroneous entry on my credit report that I have been attempting to rectify without success. Upon reviewing my credit report, I noticed a collection account from [ Rental Company Name ] that does not belong to me. After numerous attempts to dispute this fraudulent entry, I am disappointed to see that it still remains on my report. 

I would like to bring to your attention that I have been a victim of identity theft, and I have taken all necessary steps to address and mitigate the consequences of this unfortunate incident. I have filed a police report [ Metro 2 Code : F5 ] and have provided all relevant documentation to support my claim of identity theft, and police report.

As per the Fair Credit Reporting Act ( FCRA ) 1681i, I am entitled to a prompt and thorough investigation of any disputed information on my credit report. However, despite my efforts and the requirements outlined by the FCRA, the collection account from [ Rental Company Name ] remains unresolved.

Additionally, under the FCRA 1681s-2, furnishers of information to consumer reporting agencies ( CRAs ) are obligated to provide accurate and complete information. It is evident that the erroneous entry from [ Rental Company Name ] violates this provision, as the information is inaccurate and does not pertain to my financial history. 

Furthermore, as per Metro 2 guidelines, I request that you investigate this matter thoroughly and remove the erroneous entry from my credit report [ Metro 2 Code : N3 ]. The N3 code indicates that the furnisher failed to respond to my dispute within the required timeframe, further emphasizing the urgency of rectifying this matter. 

I understand the importance of maintaining accurate credit information, and I trust that you will take the necessary steps to rectify this issue promptly. I urge you to adhere to the FCRA provisions and Metro 2 guidelines to ensure the integrity of my credit report. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of the fraudulent collection account from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiry listed on my credit report, which are fraudulent in nature, this inquiry appear on my credit file. 

As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with this inquiry and providing comprehensive documentation to substantiate my claims. Despite this efforts, your bureau has yet to resolve this matter satisfactorily. 
It is essential to note that the fraudulent nature of this inquiry has been confirmed by the respective institutions, and they have assured me that this inquiry was erroneous and should be removed. Furthermore, please removed this unauthorized inquiry from their records. 

Therefore, I am perplexed and concerned by your bureau 's continued reporting of this fraudulent inquiry. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
XXXX XXXX XXXX inquiry XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

citibank denial of credit because i have exercised my rights under the cpa.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reports multiple account numbers for the same account, some say XXXX balance & XXXX owed but account is over 120 days past due, another reports the balance has been charged off. Multiple calls to company. After I call to dispute, XXXX sends account to a different collection agency, and we begin the process over. It 's been since XXXX 2015 account is paid and closed at consumers request
Product: Credit card

On XX/XX/XXXX I did a balance transfer of XXXX $ from discover to Citi. It was a 0 % until XXXX. On XXXX I was penalized XXXX $ for interest charges on purchases which I was lead to believe was the same date of XX/XX/XXXX. Since, I had to do another transfer back to discover and now have XXXX balance on Citi and was billed XXXX $ for some reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX, 2017 any public record data must include Name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports with XXXX, XXXX, and Experian. The Bankruptcy identification number is : XXXX XXXX Bankruptcy Court XXXX, Georgia XXXX
Product: Student loan

I noticed that my XXXX payment had not posted to my checking account, and called Navient. I have been on a payment plan for a while, and it was time to review my financial statement. I was proposed an increase of over 15 % on my monthly payment, I asked to speak to a supervisor as I am struggling to make payments as it is. I was denied an option for a lower payment - my monthly payment was increasing from XXXX {$540.00} to XXXX {$630.00}. 

This incident prompted me to research a little further to see how much I had already paid on my student loans, and what I found out was mind blowing : I have borrowed from Sallie Mae a total of {$86000.00}, already paid {$50000.00}, but still owe {$96000.00}. 

Loan 1 - {$24000.00} on XX/XX/XXXX, Loan 2 - {$30000.00}, on XX/XX/XXXX, and Loan 3 - {$31000.00}, on XX/XX/XXXX. 

I would like to know what are my options, as this looks like predatory lending. Any help would be greatly appreciated. 

Thank you, XXXX
Product: Student loan

I have asked this company Navient to provide me the proper documents in order to verify and validate a loan I allegedly owe. They sent me the wrong info and this will hurt my credit for something that I do not know its mine because the proper documents have not been sent. It has been over XXXX days and by law they have to remove it from my credit
Product: Credit reporting or other personal consumer reports

This letter is to disputes few discrepancies Ive noticed on my credit report, including accounts and personal information which I believe is inaccurate. I am asking for your assistance in investigating and correcting this information. 

Below is the information listed on my credit report that needs to be reviewed and potentially removed from my credit report. 

Personal Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX Accounts XXXX XXXX  ACCOUNT # XXXX Date opened XX/XX/XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX Account number XXXX Date open XX/XX/XXXX Balance {$5100.00} XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX  Date open XX/XX/XXXX Balance {$20.00} XXXXXXXX XXXX  Account number XXXX Date open XX/XX/XXXX Balance {$6900.00} XXXXXXXX XXXX  Account number XXXX Date open XX/XX/XXXX Balance {$19000.00} Inquiries 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 certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 

Enclosed with this letter are copies of documents that verify my identification and my correct personal information, including a passport, my social security card, and other supporting documents. 

By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. 

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.