23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT FRANKLIN COLLECTION SERV To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX.. 
Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

I started noticing that planet fitness is charging extra fee from my XXXX  card on autopayments. I talked to them and the bank to return my money. The bank returned my money once and charged back. It's happening every month and I requested the bank Capital one to block this vendor as the gym is not listening to my request and they are charging over charges despite of several contacts. The bank is not blocking the vendor. I changed the credit card even then the amount was charged again. I want all my money back and the bank should stop harassing me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CONSERVE Attn : Disputes Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Account Information - Account No. XXXX Dear CONSERVE Disputes Department, I am writing to formally dispute the inaccurate information reported on my credit file regarding the account with the original creditor, XXXX XXXX XXXX XXXX. The account number in question is XXXX. 
Dispute Summary : Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Reported : {$910.00} Date Opened : XX/XX/XXXX Current Status : Collection Account, {$910.00} past due as of XX/XX/XXXX Grounds for Dispute : Inaccurate Reporting : The account is inaccurately reported as a collection account with a past due balance of {$910.00}. This information is incorrect as the account has been previously paid off and should not reflect a past due status. Under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate and complete information. The erroneous information on my credit report has caused significant harm to my credit standing. 
Violation of Consumer Protection Laws : The reporting of this account violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1692e, it is unlawful for a debt collector to use any false, deceptive, or misleading representation. Additionally, 15 U.S. Code 1681s-2 obligates data furnishers to provide accurate information to credit reporting agencies. 
Request for XXXX : I request that you immediately cease reporting this account to all credit reporting agencies and correct the inaccurate information on my credit file. Additionally, please provide me with documentation that substantiates the validity of this debt, including but not limited to : XXXX of the original debt, including any contracts or agreements signed by me. 
A detailed payment history showing how the balance was calculated. 
Any communication records showing my acknowledgment of the debt. 
XXXX Notice : Please be advised that litigation is pending regarding this matter, as previously noted on my credit report. I expect a prompt resolution of this dispute in accordance with the consumer protection laws mentioned above. Failure to comply with these legal requirements XXXX result in further legal action. 
Closing : I request written confirmation of the actions taken to resolve this matter within XXXX days of receipt of this letter. If the inaccurate information is not corrected, I will be compelled to take further legal action to protect my rights under federal law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Debt Validation and Cease and Desist To, Whom It May Concern, I am writing in response to a recent debt collection notice from your office regarding account number XXXX XXXX. To ensure that I am communicating with the correct party, I request that you provide documentation validating the debt in question. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I formally request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the amount you are claiming is owed, including documentation of any contract or agreement related to this debt.

3. Records of all assignments showing the transfer of the debt from the original creditor to your agency.

4. Proof that the original creditor securitized the debt.

5. Documentation of any assignments from the original creditor to a secured trust and back to the original creditor. 

Please cease all collection activities until you provide the requested validation of this debt. Additionally, I ask that you refrain from accessing my credit report or reporting any information to the credit bureaus regarding this debt, as I dispute its validity. Should you have already reported this debt, I request that the dispute be noted on my credit report. 

Please also clarify your permissible purpose for accessing my credit information, as I contest your right to do so. 

Furthermore, I dispute the validity of this debt and request that any future collection agencies you may transfer this debt to be made aware of this dispute. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I deposited a check I had from XXXX and from XXXX that seemed like valid checks. XXXX XXXX linked to XXXX said the bank Huntington did not want me to have a bank account with them- she said " they do not want a relationship with you ''. XXXX XXXX 5000 persons from XXXX in the XXXX XXXX against XXXX. I would like my account reopened with the {$300.00} dollars in excessive fees that Huntington charged me refunded.
Product: Mortgage

Loancare took over my mortgage I had with XXXX back in XXXX of this year. I have made three payments to them, but only one shows a credit to my account. They claim that I did not pay the last two months payments. I checked with my bank ( XXXX XXXX XXXX XXXX ) and they verified all three of my payments to them were processed and received by Loancare. I called, emailed and messaged them, but they did nothing. Presently, they will not respond at all. My payments are in the amount of {$1200.00}. I have attached the most recent notice from Loancare that I received in my mail. Also attached is a report of the history of my payments to this mortgage account. From their actions with me and what I found in internet searches, they are trying to take my home ... ... Please help! 

Thanks XXXX XXXX
Product: Debt collection

I am writing to you to bring to your attention a serious matter concerning a fraudulent account that has appeared on my credit report. I have previously disputed this account, and it was removed from my credit report. However, to my dismay, the account has reappeared under a new account number with the same creditor, XXXX. 

I believe that this situation is a result of identity theft, and I am deeply concerned about the impact it is having on my financial well-being and overall living situation. I have enlisted the assistance of my attorney, and together, we have gathered substantial evidence indicating that the account in question was opened without my consent or verification, and without obtaining a wet ink signature from me. 

Furthermore, it has come to our attention that the birth year associated with this fraudulent account does not match mine, and the account was created using a fake birthday, along with a different social security number before on the previous account and now just the birthday on this i believe same account diffrent account number which i believe is the same account, This clear discrepancy should be evident upon a thorough investigation. 

I have already engaged in discussions with representatives from XXXX XXXX previously, and it appears that confidential information was shared between them and XXXX XXXX XXXX without my knowledge or authorization. This sharing of my sensitive information, including the last four digits of my actual social security number, further adds to the severity of this situation. 

I demand that a full and comprehensive investigation be conducted immediately to rectify this matter. It is your responsibility as a credit reporting agency to ensure the accuracy and validity of the information you furnish to creditors and lenders. 

I request the following actions be taken : A thorough investigation of the fraudulent account ( Account XXXX : XXXX ) with XXXX  including verification of the incorrect birth year and social security number associated with the account. 

Prompt removal of the fraudulent account from my credit report pending the investigation 's completion. 

A detailed report of the investigation 's findings, provided to me within 30 days of receiving this letter. 



Thank you for your attention to this matter, and I look forward to receiving your response.Please be advised that any delays or failure to conduct a proper investigation within the given time frame will leave me no choice but to pursue legal action against your agencies in a court of law. My attorney and I have already set a date for potential legal proceedings, and we intend to file a lawsuit against your agencies if this matter is not resolved satisfactorily. 

I expect prompt and effective action from your agency to rectify this situation and protect my rights as a consumer. Your cooperation in resolving this matter promptly will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions, I submitted disputes : online, in writing and via telephone calls to all three credit bureau 's to correct my Legal name to XXXX XXXX XXXX. XX/XX/XXXX and XX/XX/XXXX have corrected my Legal name, as well as Equifax, at one point, but as of XX/XX/2020, my Legal name is reflection incorrectly. My legal name is XXXX XXXX XXXX. 

( The incorrect name of XXXX XXXX XXXX, jr. ) must be deleted ASAP, as it is preventing me from obtaining additional credit and employment. 
The attached documents show that in XX/XX/2020, my name was updated after submitting four previous disputes and after submitting a complaint with CFPB. The attached documents also, reflect the incorrect name of XXXX XXXX XXXX XXXX, in a XX/XX/2020 credit report. Once again, my Legal name is : XXXX XXXX XXXX and this is the only name that should be reflecting on credit reports and on my credit profile. This needs to be corrected ASAP!
Product: Credit card or prepaid card

On XX/XX/XXXX I bought a Vanilla Gift card from a XXXX in XXXX for {$220.00} dollars. I used it to buy {$140.00} of merchandise on XXXX. but when I tried to use it anywhere else with the value of purchase being under the remaining {$77.00} it would not work. I tried checking my Balance on Vanilla Gifts website but it would keep having system errors, even when I tried other browsers or my cellphone. I can't even get into the Card 's account.
Product: Money transfer, virtual currency, or money service

TransferWise heavily markets a debit card that allows customers to access their account balances. For the issuance and shipment, they charge customers {$9.00} per card.

One of the payment options for the debit card issuance is a personal credit card. TransferWise, however, does not disclose that it sends the transaction to the credit card issuer as a " wire transfer '' or a cash advance, and therefore it incurs a cash advance fee, cash advance balance, and interest payments from many banks on what is a fee / service paid to TransferWise.

The company says it has no control over how credit card issuers process the transaction, which means that they are knowingly miscategorizing transactions that could incur potential fees for customers.

Transferwise also creates a burden for the consumer and the bank to fix the issue with ( i.e. TransferWise told me to ask the bank for a refund ), rather than fixing on their end a clear miscategorization of transactions with individual XXXX XXXX
Product: Student loan

During the last year last few semesters of my XXXX I sought financial assistance through SallieMae ( 2012 ) for approximately $ XXXX. I didnt know at the time that I was eligible for federal loans, but I was only offered private loans which is what I accepted. The private loans have stricter repayment rules and higher interest rates, and they dont fall under the loan forgiveness program which I do qualify for. I feel as though the loans were predatory, can this be made right?
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being made against Experian, XXXX, and XXXX on XX/XX/19. I checked my credit report on XX/XX/19 and this alerted me to several hard credit inquiries that were not authorized by me. The reporting companies websites clearly indicate that I can not make a dispute for inquiries online, and directs me to call their respective dispute lines. Upon calling them an automated menu walks me through a few basic menus that do not include any options to start a dispute or to report errors, and that don't allow a consumer to speak to a representative for any reason. It is shocking and appalling how blatant of an attempt this is to misrepresent how a consumer managers money just so that we can be constantly categorized as high risk so banks can charge us higher interest. I won't stand for it as a tax paying citizen in this country.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes. Particularly in the light of CFPB lawsuit, highlighting significant issues with the platform despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect customers but has also allowed repeat offenders to continue to exploit the system, leaving userss vulnerable to scams. The lack of accountability. And transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Credit Solutions {XXXX} I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

I requested a credit line increase on a card that I already had with the creditor. Under law, it is my understanding that when you request a credit line increase, it is not supposed to reflect as a hard inquiry on your credit report. I requested the credit line increase, and it was offered to me and approved, however, they reported it as a hard inquiry on my credit report. Home Dept, XX/XX/year>. Though Ive already had the creditor service and credit card in question since XXXX of this year. Anytime I do a credit line increase request, It is always processed as a soft inquiry. I never have a hard inquiry or I would not have done it. It did not offer a disclaimer that this is what would occur and this is not the standard practice. And I utilize this so that it can help increase my debt to income ratio.
Product: Credit card

I maintain a credit card account and pay each month in full, no balance carried. 
On XXXX XXXX, 2016 an email message was received stating that there was a balance of {$780.00} and this amount was being deducted from my checking account on the day prior to the email notification just received. After lengthy telephone wait and conversation, a Synchrony supervisor said there were thousands of incorrect/erroneous billing notices emailed to their customers - but that they were taking no action to alert clients, or to send memos stating that the bills were in NOT order and that they could be safely ignored. 

I insisted on receiving confirmation in writing - and did receive an apology - but nothing stating that the bill was an error on their part. 

Now, a month later, another such letter has been received. Again, it is stated that we owe {$780.00} and that it would be deducted from my checking account, deduction to occur three days prior to receiving this notice. In contacting Synchrony agan, and waiting an extended time, I spoke to a Supervisor who said there is a system problem, nothing they can do about it, clients are NOT being notified of the error, and it will continue until it is fixed by their " back line '' people - whomever, whatever that is. I asked to speak to a Manager, but was told, after another extended wait, that there was no manager present. However, that a manager would call me. 

Had I not been on AutoPay, receipt of the initial memo would have likely caused me to overpay and send in the {$780.00} to avoid a late pay situation. Synchrony may be sending out these erroneous notices, and receiving extra payments from clients who have no idea that the bills are completely wrong. In addition, it would seem that the consumer has risk of bad credit report information being submitted by Synchrony based on their broken system. 

This problem needs to be fixed quickly. It has extended beyond one month. Consumers need to be notified that Synchrony has this problem, and that the consumer 's account and credit report will not be affected. And, Synchrony should be fined for their failure to properly notify affected clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with fair credit reporting act XXXX  account XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 written instructions
Product: Mortgage

I received a letter dated XX/XX/XXXX from Ocwen Loan Servicing, LLC which stated : " A recent review of the above referenced loan determined the attached Step Rate notification may not have been received. We are sending this to ensure a copy is available for your records .... '' The notice stated that my rate was increasing from 2 % to 3 % and that my payment was going to increase on XX/XX/XXXX. My monthly payment increased {$1100.00} and I was given less than 30 days notice and his has placed exceptional hardship on me. 

Two days later, XX/XX/XXXX, Ocwen issued another letter telling me that I owed {$10000.00} in undercharged interest. 

I called the lender Friday XX/XX/XXXX to ask the lender to explain and was that he would put a request in to the " research team '' and that I would be notified by email or writing in between 10 to 30 days. When asked why my monthly statements never showed the increase and he could not give me a good answer other than there was an audit of some kind. I asked him why I was given almost no notice and he said that it was all something I should have known as it was a scheduled rate increase according to my loan modification. 

He offered me no other explanation or resolution other than to reapply for a loan modification. I will start the process however, I really would appreciate some advice. I noticed that according to law, the lender has an obligation to give the consumer appropriate notice as to a payment increase. Since this was never done, do I have any recourse? 

Please help! 

Sincerely, XXXX XXXX