23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Validation of Debt and Cease of Communication Dear Midland Credit Management, I am writing to formally request validation of the debt you claim I owe of {$450.00}, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692g. I have made attempts to negotiate this debt ; however, those efforts have not been successful.

Before proceeding with any negotiation, I require that you provide validation of this debt. Which I have already requested and made attempts to achieve such information yet to receive it.With that being said, I ask that this includes, but is not limited to, the following : 1. The amount of the debt. 
2. The name of the original creditor.

3. Evidence that you are authorized to collect this debt.

4. Copies of any relevant documentation, such as a judgment, if applicable.

If you are unable to provide the required validation, I request the immediate deletion of this debt from your records.

Additionally, under 15 U.S.C. 1692c, I hereby request that all communication regarding this matter cease while I await your response. The current level of communication has become distressing, and I believe it to be abusive.Ending off, I strongly believe this request is warranted due to the fact that you obtained my information without my consent, in violation of my privacy rights. 
Under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws, consumers have the right to have their personal information handled with care and to be informed about how their information is obtained and used. I did not provide authorization for you to collect or use my personal information in relation to this account. 
As such, I request that you take immediate action to remove any collection account associated with my name from your records. Furthermore, I ask that you confirm in writing that this account has been deleted and that you will no longer report any information related to this account to credit reporting agencies. 

I appreciate your prompt attention to this matter and look forward to you response. 

Sincerely, XXXX XXXX
Product: Debt collection

Sent letter to collection agency Resurgent Capitol Services to remove the alleged debt of {$860.00} from my transunion credit report. Letter was sent on XXXX XXXX. According to the FDCPA, i have the rights to request validation of the alleged debt and competent evidence that bears my signature and shows I have some contractual obligation to pay this company. They presented no viable evidence bearing my signature showing the account is being reported accurately. As per FTC opinion letter from Attorney General, XXXX XXXX XXXX, a printout of a bill or document does not constitute verification i received two printout pages from them without any viable evidence this is mind Any printer can produce fraudulent documents. Violation of Fair Debt Collection Practices Act ( including but not limited to section 807-8 ) and Violation of Fair Credit Reporting Act ( including but not limited to section 623-b )
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTED IN CORRECTLY ITEMS SHOULD BE REMOVED BASED ON FRAUDULENTLY CHARGS OCCURRED I kindly informed all the CREDIT REPORTING AGNCY and the BANKS of my SCAM with ECG Debt SETLMENT that happened in  XXXX  when the company had Possisions of my card and commited Fraudulent charges on some of my cards Those account now are still reported in Collection and Charged OFF and negatively hurting and harming my credit FICO SORE and CAUSING ME Financial and emotional stress in obtaining loans and a getting approved for a line of credit because of the derogatory marks I called in the Banks Numerous time in the MONTH OF  XXXX  and the Month OF  XXXX   XXXX  and explained to them my circumistances they asked me to call the CREDIT Bureaus and request and early removal of the account I Called the CREDIT REPORTING BUREAS and informed them they ASKED ME TO CALL THE BANKS TIME are PASSING BY and i wo n't be ABLE to be QUALIFIED for mortgage based on m y credit Score  The BANKS / CREDITORS and CREDIT BUREAUS they put me on hold and transfer me around i SPEND OV ER 15  HRS A WEEK every Week trying to resolve this
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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Student loan

I currently have a loan serviced by Navient, which is a variable interest rate loan. Every time I make a large payment to the loan the interest rate increases another .25 %. I made a payment on XX/XX/XXXX for {$290.00}. The loan was at an 11.25 % interest rate. I made a payment on XX/XX/XXXX for {$1300.00}. The loan at that time was at an 11.25 % interest rate and was worth {$21000.00}. On XX/XX/XXXX I made a payment for {$3000.00}. The interest rate at the time was 11.50 % and the loan was worth XXXX. The loan is now at an 11.75 % interest rate ( XX/XX/XXXX ). I am aware variable interest rates change over time, however the interest rate remains stagnant until I make large payments. It is not clear how they are calculating the interest rates on private loans, and they provide vague examples on their webpage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account should be removed from my report. It was removed and then added back mysteriously when they changed the first date of delinquency. My last payment was XX/XX/XXXX. Now they have moved the first reported delinquency to XX/XX/XXXX. This places calls your phone of the hook for payment when your one week late saying your delinquent. That was my first notice of delinquency and this should be removed. They are a predatory lender for low income. I was in a bad position 7 years ago when I lost my business/job, home and had to relocate to find work but I have been rebuilding my life and credit since. To constantly be penalized for this and companies like this that add so much to your account its impossible to pay the full amount is the signs of an ugly broken system. I borrowed around XXXX $ this account balance is now up to XXXX. I have paid my lenders that I could afford to and that made sense but Ive been waiting for this to stop reporting and now they continue reporting to XXXX and continue to tell them this information is correct when it is not. I would like proof on how my last payment was in XXXX yet they didnt record it delinquent until XXXX XXXXNEVER SO BUSINESS WITH THIS COMPANY I PROMISE ITS NOT WORTH IT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Product: Money transfer, virtual currency, or money service

I made a purchase on XXXX and at first I tried to use my cashapp but it wouldn't load so I made the purchase with my XXXX card and it was successful. I got my cashapp to see they took the money from the bank I have connected to my cashapp. I contact cashapp and they tell me to contact the merchant and I did. XXXX said that payment was unsuccessful but it went through on Cashapp ends. That payment needs to be cancelled and the money returned to the account on file because I was then double charged.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Money transfer, virtual currency, or money service

I be getting XXXX XXXX XXXX other extra stuff, majority XXXX, taking out little bit and partial of my money over XXXX transaction for like a {$2.00} .I didnt recognize it until my money was getting low.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect and or inconsistent information across All three Credit Bureaus Identification of the specific information being disputed XXXX, XXXX and Equifax reporting Acct Number XXXX Basis for the dispute : Equifax Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History XX/XX/XXXX Unknown XX/XX/XXXX Unknown XX/XX/XXXX 30 days late XX/XX/XXXX Unknown XX/XX/XXXX Unknown XX/XX/XXXX 30 Days Late XX/XX/XXXX Collection/ Charge off Remarks : Charged off account Credit Card Creditor Information : NONE XXXX Account # XXXX Open Date XX/XX/XXXX Last payment XX/XX/2016 Payment History : No payment History Reported Remarks : Charged off as bad debt | Account information disputed by consumer, meets FCRA requirements Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History : XX/XX/XXXX OK XX/XX/XXXX OK XX/XX/XXXX 30 days late XX/XX/XXXX OK XX/XX/XXXX OK XX/XX/XXXX 30 Days Late XX/XX/XXXX Collection/ Charge off Remarks : Customer Disputed account- reported. |Unpaid Balance reported as a loss by the credit grantor Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial XXXX reported my XX/XX/2020 auto payment 30 days past due on my credit report when my account shows I have always been on time for making payment. I am trying to obtain a lease and a loan to help keep my bills afloat during COVID and to move and this is hindering my ability to do so. I have to be out of my current home in less than 2 weeks and I am unable to get a lease or loan because of this past due reporting. 

Ally reported this in incorrectly and falsely and is refusing to assist me timely. 

The attached account shows I made my 2020 payments timely including XXXX.
Product: Credit reporting or other personal consumer reports

Here we go again folks! There's so many international numerous errors, inconsistencies, confusion, and big time failures : until I really don't know where to start! Equifax always has the tendency ; to provide and update info, to their third-party vendor ( XXXX XXXX ) promptly, and correctly! But, intentionally leaves their platform in a hot, stinky, and low down dirty mess! If updated credit reporting is good enough, to be given or provided to XXXX XXXX! Then surely or truly such info : definitely should be updated first under their platform! Furthermore, Equifax has been in violation of my health, civil, and constitutional rights, and most importantly constantly adding insult to injury, in terms of my health overall! This ongoing renditions of their has got to stop immediately, CFPB!!! They had in some parts of 2024, started off pretty well! Some how something went wrong, that lead to their ; all out attack, refusals, stupidity, inaccuracies, and harmful manipulation/presentation of my credit report! I'm part of the class action lawsuit, filed against Equifax ; which an compensation of left over funding was disbursed to those members! That's when Equifax retaliated against me : and the start of their Credit Reporting Disfunction!!!
Product: Money transfer, virtual currency, or money service

The Consumer Financial Protection Bureau ( CFPB ) announced a {$170.00} million settlement with Block, the company that owns Cash App. I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). All of my info was public and I never gave cash app the right to do so. The company also did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) .I seek appropriate redress for these violations. My cash app name is # darealatc
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the emergency at XXXX hospital for XXXX XXXX XXXX XXXX at the time, even through I got insurance and The doctor even touch me, it just let 's me know you can go to see your primary doctor. I thought I was receive two or three bills from them and after I usually receive a lot call by different phone number who tries to make my life miserable until when I go to credit XXXX this week I saw two different bill but there is one I know {$370.00} and the other one {$120.00} I do not have too idea about it. I got a credit card from XXXX   XXXX it was closed, when I receive a letter by XXXX  XXXX XXXX said I have too much inactivity on this account, current or past delinquency, derogatory public record ( s ) and /or collection account ( s ) Utilization of your credit is too high an make my credit score very low like XXXX. I thought this is injustice and prejudice not because you are receive the letter from the hospital you have to do that because for XXXX dollars to make me lost everything. This is an act criminal at this pandemic virus that the time you chose to do that to me. 
Not only you make me on crisis with my family that mean you are closing all the opportunity I have and you close all the door for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXXl XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$950.00}
Product: Vehicle loan or lease

On XX/XX/XXXX my car was totaled and Ally Financial received the full payoff for the loan on XX/XX/XXXX. I was informed by XXXX XXXX and Ally to contact XXXX  ( seller ) XXXX for the refund on my Auto warranty which is {$2400.00}. XXXX sent me a check then informed me that Ally went into their account in XXXX and took the {$2400.00} even though they were paid in full. XXXX canceled the check and told me I'd have to contact Ally, I contacted them on several occasions stating on XX/XX/XXXX and asked why the money had be taken when the car was paid off in full? They informed me they would escalate the refund, I called them every other day trying to contact someone to get an update on the refund and NO ONE knew where it was they supposedly escalated it every time. I tried making a complaint today and they said the department wont take complaints on the phone. I emailed Ally demanding my refund that is well over due and they are sitting on that money. I need to replace the car that was totaled after three weeks because it was Tboned. I realize there's a pandemic however business needs to flow and I need my refund asap. No supervisors are taking calls and since they haven't sent the money back after two months I know they aren't in a hurry to give me my money back. Please help me get my money back and also make it easier for some one like me to get transparent answers as to why I haven't received my money and where they are at in the process to refund it. There is no system in place to get any solid answers other than it's going to be escalated. If there aren't already laws there should be laws requiring them to pay within 30 days the automobile was paid off. Instead they hold the money for 60 days or over and I need it to buy another car so I can start my process in going back to work. Our county has opened up and I'm losing money sitting here. I appreciate your help!
Product: Debt collection

Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX account # XXXX Re : XXXX XXXX XXXX refuse to delete this account off credit bureau I have no knowledge of this account therefore i asked them to send me any recent activity and I still have n't received anything as of today just a bill, please let me know what i have to do in my part to help delete it off my report
Product: Debt collection

I first received a XXXX hospital bill from XXXX XXXX XXXX and when I called the lady on the phone stated that there was a computer error and I was told to disregard the letter. I cant remember the date, time and person I spoke to because I thought this matter was resolved. I think it was over XXXX weeks ago, but I am not too sure. I also had health insurance when I went to the ER in XXXX just to get a check up on my XXXX due to a XXXX accident I had last year in XXXX XXXX. Which resulted in me having a XXXX XXXX. My lawyer stated to me that I am not responsible for any charges that pertained to my accident only. I have already forwarded this debt collector to my lawyer to have her handle it as I will not pursue this matter any further. Now XXXX weeks later I have received another bill from this hospital that I now owe XXXX dollars, which this is very confusing and I am wondering if this is another error in the hospitals part. Please help me in this matter because my lawyer is involved and I am told not to pay anything that had to do with the car accident. The company that the hospital sent to my debt to is XXXXXXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in communication to have the following information in my file that I would like to be deleted. I am a victim of identity theft and did not make the charge.
Product: Money transfer, virtual currency, or money service

I received {$150.00} and {$50.00} from two family members through Cash App. I accept the fund and cash app stated that I would receive the fund to my personal account on Tuesday, XX/XX/2021 however I never received the {$200.00}. I called my bank and was told nothing is pending. I need my funds. Also, I called my family members and the funds have been disbursed on their end. I notified Cash app through my app because that is the only means of communication, which is unprofessional. Please assist with this matter.
Product: Credit card or prepaid card

on XX/XX/2022, I came to Bestbuy at Address : XXXX XXXX XXXX XXXX, XXXX, OR XXXX. I walked in and purchased 4 of {$500.00} XXXX XXXX using my Citi Bestbuy Credit card. On the following day which is XX/XX/2022, I came to XXXX XXXX at XXXX XXXX at Address : XXXX XXXX XXXX XXXX, XXXX, OR XXXX. I attempted to purchase XXXX XXXX XXXX  on the releasing date. When the representative scanned my XXXX XXXX, He said my giftcard was marked as fraudulent and it contains suspicious activity, so I have to perform an online order. However, I tried to place order on XXXX website for the XXXX XXXX XXXX XXXX, it showed me authorization failed several times for both 4 giftcards that I purchased. I tried to contact XXXX  at XXXX phone number, they didn't solve my issue at all, all they did on the phone is transferring me between agents. I have done contacting them every single day over 1-2 months and my problem still hasn't solved. Each day, I spent 10 hours contacting them and it makes me frustuated. I attempted to bring the gift card to XXXX store where I purchases for returning, and the refused to take it back. I ended up filling dispute on Citi Bestbuy Creditcard when my brother suggested me. The first time I called in for a dispute was submitted on XX/XX/XXXX, they closed my case without giving me any reasons. I resubmitted the dispute on XX/XX/XXXX, they gave me credit back on my account on XX/XX/XXXX, and they took the money again on XX/XX/XXXX with a reason " No response for dispute ''. I called in bestbuy credit card multiple times, and I didn't get the right agent each time when I contact. they keep forwarding me to bestbuy store agent, and that agent couldn't help with my dispute concern. I really feel frustuated by trying to solve this problem. {$2000.00} is my hard earned money for the XXXX, and I want to get them back that's why I want to submit a complaint on consumer finance.