23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please consider this my formal complaint against Sears/CBNA who has repeatedly ignored my dispute letters requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, on a derogatory account which is appearing on my consumer credit reports.

I have sent certified/return receipt dispute letters ( please see attached letters ) to XXXX XXXX XXXX requesting validation of the debt bearing my signature. These dispute letters were received by them on XX/XX/2018 and XX/XX/XXXX ( please see attached signatures ) The 1st letter went unanswered. The 2nd letter was them requesting the acct #, a copy of my credit report, & a letter of explanation. Clearly a stall tactic as I was very clear on what I was requesting from them.

Additionally, I noticed Sears/CBNA did not furnish the credit bureaus with the required disclosure of my dispute violating the FCRA Section 623 ( a ) ( 3 ) and/or the FDCPA Section 807 ( 8 ) by not placing the disclosure within the 30-day period ( please see attached credit reports ). I sent another certified/return receipt letter stating this and demanding they delete the derogatory report due to breaking these laws. They signed for this one on XX/XX/2018. They sent exactly the same response as described above. They have not deleted the account or marked it disputed.
Product: Credit card

Care Credit through Synchrony Bank is primarily used for medical payments. Consumers can sign up for a care credit with no interest if paid in one year. If allowed to expire deferred interest is charged at an extremely high rate ( 32.99 % for purchases, 26.99 % for regular transactions. ) XXXX sign up for additional promotions, " stacking '' the no interest plans. We enrolled in 2 such plans, both with multiple interest free transactions with different start dates, enrolled in auto pay and made regular monthly payments. However, CC began allocating a portion of monthly payments to each deal, rather than to the initial balance, which I was told by customer support is not " advised '' anywhere to the consumer. The only mechanism to change the allocation is through a phone request, which is also not disclosed. Without realizing our payments were not going toward the initial balance, our initial deal expired and we were charged hundreds in deferred interest. Refund/interest waiver was denied despite making regular on time payments, and I was told there is no mechanism to file an independent consumer complaint or to receive any feedback, verification, or action. That the only recourse was to pay in full to avoid further charges. XXXX XXXX XXXX, XXXX XX/XX/year> via online help chat.
Product: Credit reporting or other personal consumer reports

Pursuant to Texas Rule of Civil Procedure 92, I am generally denying the following accounts, charges, and allegations contained in the credit reporting, and requests that the credit reporting agency require the alleged creditor to prove its claims by a preponderance of the credible and admissible evidence. 

XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX  XXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX ACCT # XXXX XXXX  ACCT # XXXX XXXX  XXXX XXXX  ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX ACCT # XXXX  XXXX  XXXX ACCT # XXXX XXXX XXXX  XXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX Pursuant to Texas Rule of Civil Procedure 94, I am asserting the following affirmative defenses : a. failure of consideration ; b. affirmative defense of fraud ; c. estoppel ; d. laches/waiver ; e. statute of limitations ; f. failure to mitigate damages g. payment ; h. setoff or recoupment ; and i. all conditions precedent have not been performed and have not occurred I am specifically denying that the disposition of any collateral was conducted in a commercially reasonable manner according to the requirements of Article 9 of the Uniform Commercial Code and invokes all rights and remedies available under this statute.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX yrs., XXXX mos This vehicle was repossessed by ( XXXX XXXX XXXX ) in the State of ( Florida ) on or about, XXXX XXXX and resold on or about XXXX XXXX Under the laws of the State of Florida UCC 9.506 and State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

I requested them to provide proof within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.

I have not yet received the proof have not been provided of the GAP insurance value, And the resold on the Auction. This had been over 2 years me requesting from them. Additionally, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday XX/XX/XXXX and again on Wednesday XX/XX/XXXX I mailed three letters through certified mail with return slips to Experian, XXXX, and XXXX regarding several discrepancies I found on my credit reports. In the first round of letters, I asked them to fully validate the reported information and remove anything that they could not provide signed, original contracts for in correlation to the accounts in question within 30 days. No method of verification was revealed nor were any original contracts with my 'wet ' signature provided as proof of validation. 
In the second round of letters, I reiterated my requests made in the first letters and asked them to please DELETE anything that could not be fully verified and to include original signed contracts as well as a copy of my updated credit report. 
As of today, Sunday XX/XX/XXXX, these accounts still remain and have not been fully verified. 
I have reason to believe that multiple creditors are conducting illegal actions against me including reporting the same account more than once, reporting old debts as new, and reporting charge-offs before the 120-day delinquent mark.
Product: Credit reporting or other personal consumer reports

Balance {$510.00} Balance updated XX/XX/XXXX Original balance {$510.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$510.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX Payment summary XXXX XXXX XXXX XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - C PAYMENT HISTORY LEGEND Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement Contact info Name MIDLAND CREDIT MANAGEM Address XXXX, MI XXXX
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 items 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 items XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 XXXX XXXX XXXX XXXX
Product: Checking or savings account

The Sofi Money Checking & Savings account are frozen and were done so without notice. I contacted Sofi on XXXX.2022 via telephone which resulted in being transferred twice, ultimately ending up at a voicemail box of the security department with no resolution of the issue.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiries were not and should not be reporting.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 someone gained unauthorized access into my account by cloning my SIM card and then stole over {$3100.00} of Bitcoin from me and sent it to another account. Oh and they bought {$1000.00} worth of XXXX using my bank account which was linked to my Coinbase account before they did that. 

Coinbase has treated this like it's my fault and once I disputed that transaction with my bank for {$1000.00} they told me that I owe them that money now. I understand the cryptocurrency is not insured at all but coinbase should have been a little bit more helpful with this matter. They must know where the money went. Also I wouldn't be the least bit surprised to find out that someone from coinbase took my money. Someone had to of targeted me since my XXXX was not in a cold wallet. I thought it would be safe on the app but I guess I was wrong. 

To top it all off I have not been able to access my account and keep getting an error message that says they can't verify my ID and my webcam is not working when I know that my webcam is perfectly fine. I was going to withdraw the rest of what I could that wasn't stolen but I have not have access and now they're telling me they're going to take the remaining cryptocurrency that I have because of the transfer not working when Im not the one who even made the transfer it was unauthorized. 

To sum it up Coinbase is not safe to use.
Product: Credit card

My credit limit was lowered without provocation. I have never made a late payment on my account. They claim they reviewed my credit and my score was low but lowering my limit makes it even lower! This is the second card that they did This to me with. Despite have a great payment history with them. Even paying off cards with them. Synchrony bank did this and they are Engaging in anti-consumer behavior and discrimination. No believe this was done because I am XXXX. It is suspicious that now that my available was increasing, they lowered My limit to make me look even worse!
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app blocking due to in adequate customer service and unfair practices, which violate the customer financial protection act CFPA. Specifically cash app failed to take timely in effective measures to prevent and address fraud on their platform leaving my account vulnerable And unprotected. Furthermore, their dispute resolution process was unfair and deceptive as They do not comply with air resolution requirements under electric fund transfer at EFTA and regulation E. These actions have caused significant inconvenience and financial loss and I am seeking appropriate redress For these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report from Equifax and found the following item to be error. 

The following address listed below does not belong to me & must be removed immediately : XXXX XXXX XXXX XXXX, XXXX GA XXXX
Product: Credit reporting or other personal consumer reports

I was on a trail loan modification with CHASE Mortgage for the period of 1 year. At the end of the loan modification process- they transferred my loan to XXXX XXXX. CHASE reported my loan as current while on trial modification but reported me XXXX days late upon transfer to XXXXXXXX XXXX. This late reporting has caused irreparable damage to my credit and life circumstances and has prevented me from securing affordable housing. I have included that CHASE had me on trial modification plan which I paid every month and they transferred it to XXXX at the end of the forebearance.
Product: Debt collection

Since XXXX 2013 I have have this cell phone number. They are calling for a XXXX or XXXX XXXX. I am neither. I haverepeatedly called them back and told them they have the wrong number. Yet they continue to call. This time, they called and left a number so for the 400th time I called it back. XXXX XXXX. They all from XXXX. Called this number back also ... does n't give you any information. I think I have been pretty good about this after over two years of the same phone calls. I, again, am not XXXX XXXX..nor is my name XXXX XXXX. No where close to my name. Please make it stop. Their number does n't even show that they called because I was going to file suit against them. Amazingly it does n't even show that they called on my bill ... .Weird ..bc I have the voice mail.
Product: Debt collection

I am writing to you in response to a collection notice I received from

you on XXXX XXXX, 2024. Please be
advised that this is not a refusal to pay, but a notice sent under the Fair Debt Collection Practices Act, 15 US Code 1692g, that debt validation is requested.

Please provide me with the following information : Documentation that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you.

Please provide me with the original creditor 's name and any supporting documentation.

A signature on an agreement stating that I have agreed to assume the debt.

A copy of the debt agreement, including the principal, interest, and any additional fees charged.

Complete payment history and accounting of all additional charges being assessed If your office fails to reply to this debt validation letter within XXXX  days of receiving it, all instances related to this account if any exist must be immediately deleted and removed from my credit file. Moreover, all future attempts to collect on the said debt must cease.

I request that all future communications with me be in writing and sent to the address noted on this complaint. I will no longer accept telecommunication or emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several request for verification of accuracy with Transunion and they have not complied. Per the FCRA 611 ( a ) ( 7 ) : " A consumer reporting agency shall provide the consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) no later than 15 days after receiving a request from the consumer for that description. '' I have sent several letters requesting the following : 1. The name of the courthouse 2. The person 's name the disputed item was verified with 3. The address and telephone number of the person 's disputed item was verified with 4. Documentation used to verify the dispute.

I have never received any of the requested information per my FCRA 611 ( a ) ( 7 ) rights. The disputed item was also deleted/removed and then reinserted after the dispute was completed. I am requesting proper verification methods outside of the XXXX system used ; XXXX   court system ( this system is often incorrect ). I have called the courthouse several times to ask for their method of verification and I was told that they do not and will not verify any consumer information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX  account XXXX XXXX XX/XX/XXXX, XXXXXXXX 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 XXXXXX/XX/XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

i have not consented to any inaccurate information on my credit report I've called and sent in disputes and request of deleting inaccuracies the company has not responded and haven't deleted the incorrect information off of my credit report they have broken federal trade commission and consumer laws. i have also circle and highlighted the inaccurate information on my credit report you will see them on the uploaded documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

the consumer reporting agencies have infringed on my privacy. they have reported negative information to my consumer report, and by law before they put anything on my consumer report, they have to have written consent from me the original creditor and natural person. They also responded stating XXXX of the accounts were verified and they updated another account. They can't verify anything that I didn't authorize them to do in the first place. that shows they didn't properly investigate and in the " XXXX, Equifax, XXXX XXXX have violated credit reporting rules, XXXX XXXX XXXX says '' Article that backs up what I'm saying and the CFPB even backed this up. XXXX XXXX admitted that some of the disputes they didn't look at and the one that they did look at, they didn't investigate they just pressed a button.
Product: Credit reporting or other personal consumer reports

Dear Fair Collections & Out, I am writing to formally address and dispute the collection account associated with XXXX XXXX XXXX XXXX The account in question was opened on XXXX XXXX, 2021, with an alleged collection amount of {$16000.00}. 

Concerns and Requests Violation of Privacy Act : According to the Privacy Act, XXXX XXXX XXXX had no right to share my personal information without my explicit consent. The unauthorized sharing of my information constitutes a violation of my privacy rights. 

Verification of Debt : Until sufficient and verifiable evidence of the alleged debt is provided, it is reasonable to assume that no such debt exists. Please provide detailed documentation supporting the legitimacy of this debt, including original account information and any agreements or records related to the collection. 

Cease All Communication : Under 15 U.S.C. 1692c, which is part of the Fair Debt Collection Practices Act ( FDCPA ), I request that all communications regarding this debt cease immediately. This provision requires that a debt collector stop communicating with a consumer upon request, except to inform the consumer of specific actions being taken. 

Removal of Debt : Under 15 U.S.C. 1692, which governs the accuracy of information provided by debt collectors, I request that the debt be removed from my credit report. If the debt can not be verified or is found to be inaccurate, it must be deleted to ensure compliance with fair credit reporting standards.

Consumer Rights and Compliance The collection efforts and reporting of this debt appear to violate my consumer rights under the FDCPA and privacy laws. Therefore, I expect immediate compliance with my requests and confirmation of the actions taken.
Product: Credit reporting or other personal consumer reports

My personal information on my credit profile is incorrect, and therefore, the late payments from XXXX XXXX  in XX/XX/XXXX and from XXXX  XXXX XXXX in XX/XX/XXXX should not be reported by XXXX compliance standards. This is inaccurate information and violates my rights as a consumer. I have been disputing these inaccuracies since XX/XX/XXXX and they are still violating my rights almost 90 days later. 
The personal information on my report that is incorrect is my name. Since I am the second born person, ( XXXX XXXX XXXX XXXX ) and my father 's name was XXXX XXXX XXXX XXXX. There is a major margin for error in my report. The bureaus are reporting inaccurate information. 
XXXX is reporting " XXXX XXXX XXXX '', Experian is reporting " XXXX XXXX XXXX '', and Equifax is just reporting " XXXX XXXX ''. There are three different names linked to my report now, causing me difficulties while disputing the false information. I most recently submitted another dispute to Equifax on XX/XX/XXXX to continue my case, however, I may need additional help from the CFPB to ensure my rights don't continue to get violated. 
Thank you.
Product: Checking or savings account

I've had nothing but problems with Current Bank and their checking card. Fraudulent transactions attempted against my account almost every week. Today someone attempted to use a fake card for their XXXX purchase which was denied, however even after advising Current that this was not me, they allowed the fradulent party to access {$100.00} cash from my account at the same location. I have filed yet another dispute in hopes that I would receive my money so I can close this account. They need to be internally investigated. I believe their staff is making fake cards with our numbers and using them in stores and at ATMs, then denying our disputes. I need outside help.