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

This letter is a formal dispute of the alleged debt referenced in your communication dated [ Date of Collection Letter ]. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I demand that you immediately cease all collection activities and provide me with complete debt validation.

Under federal law, you are required to provide verifiable proof that : You have legal authority to collect this debt. 
The alleged debt is valid and the correct amount is being claimed. 
You have a chain of custody showing ownership of the debt. 
The original creditors information is provided, including all contracts and agreements bearing my signature. 
You are not violating any state or federal laws, including the FDCPA, the Fair Credit Reporting Act ( FCRA ), and any applicable state consumer protection laws. 

Until you provide this complete validation, you must immediately cease and desist any and all collection efforts, including but not limited to : phone calls, letters, credit reporting, or legal action. 

If you fail to comply with this request within the 30-day validation period, I will have no choice but to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General.

Pursue legal action against your agency for violations of the FDCPA, FCRA, and any applicable state laws. 
Seek statutory damages of up to {$1000.00} per FDCPA violation, plus attorney fees, court costs, and punitive damages. 
Let me be clear : failure to comply with federal and state laws will result in swift legal action against your agency. This letter serves as legal notice that I am fully prepared to exercise my rights under the law. 

You are hereby prohibited from contacting me regarding this alleged debt, except for the sole purpose of providing the legally required validation. Any further attempts to collect without validation will be considered harassment and an intentional violation of federal law. 

GOVERN YOURSELVES ACCORDINGLY. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates , LLC Re : Disputed Debt on My Credit Report Account Number : [ XXXX ] To Whom It May Concern, This letter is a formal dispute regarding the alleged debt reported by your company on my consumer credit report. I demand that you immediately cease collection activities and provide full and complete validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I request the following : 1. A copy of the original contract or agreement bearing my signature that substantiates your claim to this debt.

2. A detailed accounting of the alleged debt, including the original creditor, itemized charges, and how the amount claimed was calculated.

3. Proof that your company has the legal right to collect this debt, including a copy of the assignment or purchase agreement between your company and the original creditor. 

This is a serious matter that has already negatively impacted my FICO credit score. If your company can not provide the requested documentation within 30 days of receipt of this letter, I demand that you : Remove all references to this alleged debt from my credit reports with all credit reporting agencies.

Cease all further communication with me regarding this matter.

Failure to comply with this request may result in me seeking legal counsel to pursue all available remedies, including but not limited to filing a lawsuit for violations of the FDCPA, the Fair Credit Reporting Act ( FCRA ), and any applicable state laws. 

Please treat this letter as a formal demand for immediate action. 

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

In accordance with the Fair Credit Act XXXX ACCOUNT # XXXX & XXXX XXXX ACCOUNT # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX, a XXXX XXXX platform has hundreds of consumer complaints and negative reviews over four-year periods. XXXX XXXX XXXX XXXX has been allowed to operate with no federal oversight. My personal information has been used without my permission in XX/XX/XXXX. Formal written complaints had previously been filed with the CFPB, FTC, and XXXX. In addition, the responses I received from the Credit Reporting Agencies ( CRAs ) were unacceptable. The CRAs have claimed that they, " completed its investigation, including contacting the furnisher of the information, where applicable. ". That very well may be the case, however, I demanded that they provide me with the 'Method of Verification ' and verification of whom they contacted, evidence of the investigation under the Fair Credit Reporting Act ( FCRA ). I will continue to file DFPI, CFPB, and FTC complaints, intending for the State Attorney General 's Office in their state to also be contacted for enforcement. It should be noted that this particular investigation started on XX/XX/XXXX, and is evident that the CRAs have no sense of urgency with the repetitive and unnecessary stalling in correcting inaccuracies in consumers ' credit files. The CRAs have served no purpose in diligently taking appropriate action against predatory financial services platforms that hide behind their algorithms taking advantage of consumers except to help massage the creditors and furnishers giving them more than sufficient time to complete a " thorough investigation '' The accounts below are being reported fraudulently by Self-Lender and DO NOT belong to me : XXXX XXXX  aka XXXX  ( CLOSED ) date Opened XX/XX/XXXX, Charge off for {$120.00}. The account numbers are XXXX / XXXX. 
As you may be aware, " XXXX XXXX XXXX '' legally means that they had a duty to speak but failed to do so, therefore, that must mean they agree with me that this debt is false. I will use the XXXX in my defense. XXXX XXXX XXXX has been copied on all my complaints to the federal agencies and have completely ignored and blocked my email correspondences demanding they take immediate action to delete these negative, unauthorized accounts from ALL 3 Credit Reporting Agencies ( CRAs ) within 15 business days or I would commence a Federal lawsuit against Self-Lender in the Federal Court system and report this to the CFPB and the FTC for enforcement. The Federal Bureau of Investigation has been copied on this email so they are aware of the seriousness of the FCRA and FCCPA violations of XXXX 's poor history in protecting consumers ' identities, and opening accounts resulting in inaccurate and erroneous reporting. The CFPB has done nothing but compound the problem by not escalating these complaints to the Criminal Division for enforcement.
Product: Debt collection

The debt collector which is currently holding the amount owed from XXXX XXXX club is repeatedly calling up to five plus times per day from multiple phone numbers, unknown ( spoofed ) numbers, and under different debt collector names. This collector is based on Florida and is notorious for abusing people with their phone call collection practices. They are listed on the caller ID as Midland credit, XXXX XXXX XXXX, Unknown, and occasionally a number with no name attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX, XXXX  Account XXXX XXXX , XXXX XXXX XXXX Account XXXX XXXX, And XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15. U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian refused to acknowledge the fraudulent behavior of XXXX XXXX to XX/XX/XXXX me by withholding a return. After several months of XXXX XXXX 's bullying by REFUSING to process the return, I had to stop paying for the defective merchandise because : 1. The merchandise had been returned and received by XXXX XXXX in their Florida facility. 
2. XXXX XXXX had the correct passcode to open the device. 
3. XXXX XXXX refused to process the return with XXXX XXXX in attempts to cause a financial loss, and credit damage. 
4. XXXX was informed IMMEDIATELY of the return and provided with : a. A tracking label was provided to XX/XX/XXXXas proof that the device was shipped on XX/XX/year>, and that XXXX XXXX had received the defective divide. 
b. XXXX received the proof that XXXX XXXX had received the defective device in their Florida facility, and b. That both XXXX XXXX and XXXX had refused to process the device due to XXXX XX/XX/XXXX 
c. XXXX XXXX and XXXX were provided with written proof of the correct passcode to the passcode to the divide. 
5.. Therefore, due to the bullying, if I didn't stop paying on the defective device, I would have lost all money. 
The 90 day late negative credit reading form XXXX should be removed from my credit as it was fraudulent behavior to withhold the processing of the return by these two companies to intentionally destroy my credit. I had returned the device, and the device was in the possession of XXXX XXXX when the late fees were assessed!!!! Therefore, my credit report is inaccurate. This negative information placed on my Experian credit report is NOT listed on my XXXX, or XXXX reports!!! Please have Experian be fair and remove this inaccurate information on my report as I no longer had a devise to make payment on!
Product: Mortgage

SETERUS, INC. CROOKED SERVICER ON MY MORTGAGE. WHILE I HAVE NO PROBLEM PAYING A LATE FEE BUT I AM NOT PAY FOR WHATEVER CHARGES THEY CONTINUE TO PUT IN THE MISCELLANEOUS COLUMN. NOW THEY WANT TO CHARGE ATTORNEY FEES FOR WHAT? WHEN DOES SOMEONE INVESTIGATE THIS COMPANY? 
I WAS XXXX IN XX/XX/2018 FROM A CHAPTER XXXX, THIS COMPANY CONTINUES TO CHARGE PROPERTY APPRAISAL MONTHLY, NOW THEY START CHARGING ATTORNEY FEES. FIRST OFF I DO NOT OWE THEM NOTHING BUT MY MORTGAGE. THEY CONTINUE TO TAKE MY MORTGAGE TAKING ALL THEIR ERRONEOUS FEES FIRST WHILE THEN THEY SAY MY MORTGAGE IS LATE. I AM SICK AND TIRED OF THIS! THIS COMPANY IS A ONE STAR RATING WITH MANY COMPLAINTS! NOW THEY ARE PUTTING MY ACCOUNT BACK IN THE RED RITE AFTER I GOT ALL THIS XXXX CLEARED. I AM NOT PAYING ANYMORE LEGAL FEES FOR THESE CROOKED THIEVES. I HAD A CLEAN ACCOUNT AS OF XXXX, BANK STATEMENTS AND A XXXX FOR THEM TO THREATEN ME IN XXXX FOR SOME DOCUMENT I COULD NOT FILE AND MY ATTORNEY SAID THE CASE WAS XXXX BUT SETERUS INC THREATENED TO ACCELERATE MY LOAN IF I DID NOT PAY THEM {$2000.00} FOR WHAT? WHO IS GOING TO LOOK INTO THESE PEOPLE AND THEIR FRAUDULENT ACTIONS AGAINST SOMEONE JUST TRYING TO PAY A MORTGAGE? I OWED NOTHING IN XXXX AND XX/XX/2018 NOW THEY KEEP ADDING ATTORNEY FEES, I PAY MY MORTGAGE THEY TAKE ALL THESE FEES THEN MORTGAGE IS LATE? I WANT THIS STOPPED
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I disputed an account that appeared on my credit report from Navy Federal Credit Union. This accounted was paid and settled ( CLOSED ). 

Today ( XX/XX/XXXX ) I am receiving emails saying that I have missed payments from this account and my credit score has dropped 24 points over this. 
This account is CLOSED-SETTLED. 

However for some reason they have listed 'Between XX/XX/XXXX and XX/XX/XXXX your NAVY FEDERAL CR UN automotive account balance decreased by {$1900.00} from {$8100.00} to {$4100.00}. ' I have spoke to Navy Federal on the phone today ( XX/XX/XXXX ) and they stated all three accounts I had with them have been settled and are closed and that I will have to file a dispute AGAIN to fix their error. I should n't have to go out of my way to fix someone else 's error.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX, I applied for the XXXX XXXX card through American Express, and was approved immediately. Two offers existed for this card that I was interested in : one was a {$100.00} statement credit that would be applied to the account if you made a purchase with XXXX ; the other was a bonus of XXXX XXXX miles if I spent {$4000.00} in the first four months of having the card. 

American Express offers a way to use a card immediately after you 've been approved, so on the day I was approved, XXXX XXXX, I booked tickets for my husband and me on the XXXX website, for the amounts of {$140.00} each ( {$280.00} total ). This spending should have triggered the {$100.00} statement credit. 

On XXXX XXXX I met the {$4000.00} minimum spend requirement to get the XXXX bonus miles. 

It is now XXXX XXXX. It has been five and a half months since I met the statement credit requirement, and it has been four months since I met the bonus mile requirement. I have not received the promised reward. Since XXXX, I have contacted American Express via phone or via online chat about 2-3x per month to ask for status updates on this issue. I am only told that American Express is aware of the issue and they are working to fix it, and " it should be resolved in a couple more days. Please be patient. ''
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$700.00} XXXX  XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX {$9800.00} XXXX XXXXXX/XX/2022 XXXX  BXXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft, which has resulted in multiple fraudulent entries on my credit report. These unauthorized accounts and inquiries were added without my knowledge or consent, and I request immediate action to address them. 

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 XXXX XXXX XXXX XXXX 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 I have already filed an identity theft report with the Federal Trade Commission ( FTC ) and am demanding the prompt removal of these fraudulent items to restore the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started disputing invalid information on my credit report on XX/XX/XXXX ; since that time, I have submitted a dispute again on XX/XX/XXXX, XX/XX/XXXX and again just on XX/XX/XXXX. Neither of these times so far, have ANY of the bureaus responded to my disputes to advise what steps their taking or that they're even taking any steps!
Product: Student loan

I am writing to formally dispute and bring to your attention an issue regarding my student loans and associated debt, which have been erroneously reported on my credit report. My rights have been violated by the inclusion of a debt that I do not owe, and I am seeking resolution through your intervention. 

Upon reviewing my credit report, I discovered that there is a debt listed from the Department of Education/Nelnet pertaining to student loans. However, I vehemently dispute the validity of this debt due to the absence of a promissory note from the school I attended. As there is no promissory note or original instrument of indebtedness available, I hereby request the original instrument of indebtedness associated with these loans. 

Furthermore, if the Department of Education/Nelnet is unable to provide the promissory note or original instrument of indebtedness within the specified time frame, I demand that these loans be removed and disputed immediately. It is imperative to rectify this discrepancy promptly, as I do not owe any money related to these loans. 

I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and ensure that my rights as a consumer are upheld. I appreciate your attention to this dispute and look forward to a prompt resolution. 

Thank you for your assistance in this matter. 

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

I just reviewed my credit report and noticed several errors reporting on my file
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

US DEPARTMENT OF EDU ( Original creditor : DIRECT LOANS ) XXXX Balance : {$10000.00} US DEPARTMENT OF EDU ( Original creditor : DIRECT LOANS ) XXXX Balance : {$4100.00} US DEPARTMENT OF EDU ( Original creditor : DIRECT LOANS ) XXXX Balance : {$4200.00} US DEPARTMENT OF EDU ( Original creditor : DIRECT LOANS ) XXXX Balance : {$7600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX on XX/XX/2019. I used my credit card as defined under 15 USC 1602 ( l ) and there was a finance charge involved as defined under 15 USC 1605 and Key Bank was then given my information without my consent or permission Pursuant to 15 U.S. Code 1602 ( p ) then they took my information and opened a loan and began to violate 15 USC 1692e because they falsely represent the status of a debt under FDCPA Section 809 ( b ) key bank continues to violate with collection activity and haven't validated anything they failed to provide authentic documentation which clearly indicated no such matter existed there are four elements in a lawful contract and there was no Full disclosure Equal consideration lawful terms and conditions and signatures of both parties they then repossessed the vehicle Breaching the peace in which they clearly had no intrest in pursuant to 1692e ( 6 ) 1692f and furnishing fraudulent documents defined in,15 USC 1692j FTC report # XXXX Attorney General Intake Reference Number is # XXXX they failed to include insurance pursuant to 15 USC 1605 and failed to disclose that pursuant to 15 USC 1635 i had a right of rescission pursuant to 15 USC 1692f ( 6 ) ( a ) ( b ) they are threatening to sell my vehicle in which is a violation I AM A FEDERALLY PROTECTED CONSUMER TEHY NEED TO FOLLOW THE LAW.
Product: Student loan

I received a letter from XXXX XXXX XXXX XXXX ECMC XXXX in XX/XX/XXXX stating my load had been cancelled due to the XXXX XXXX  settlement for predatory loaning practices. Any checks that were issued in XXXX were either not cashed by XXXX or had been sent back to me with in the notification letter. Then my credit was restored in XXXX of XXXX. 
My Reference # XXXX XX/XX/XXXX of XXXX, I started receiving phones calls ( daily now ) from ECMC stating that settlement was Not a cancellation just the loan forgiveness program and payments are now due. ECMC IS requesting an updated letter of cancellation.
Product: Credit reporting or other personal consumer reports

I was reviewing a copy of my credit report and notice there where some late payments on my account that are inaccurate Payment dates follow XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

GOLDMAN SACHS BANK USA XXXX XXXX is being reported unaffiliated XXXX parties without giving me my disclosures. Pursuant to 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from GOLDMAN SACHS BANK USA and none of these documents have been provided.