23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Debt Validation Request Pursuant to 15 USC 1692g and Other Federal Statutes To Whom It May Concern, This letter is a formal request for debt validation, as provided for by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, in regard to the alleged debt that you claim I owe. I recently noticed that your company is attempting to collect on, or has reported, the following account to the credit reporting agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} Under 15 USC 1692g ( b ), I am exercising my right to dispute the validity of this alleged debt and request full verification. I am also requesting that, until proper validation is provided, you cease all collection activity, including reporting this account to any credit bureaus or further damaging my credit report.

Please provide the following : 1. A full accounting of the alleged debt, including the original creditors name and address, account number, and itemized charges.

2. A signed contract or agreement showing my liability for the debt.

3. Documentation proving your companys legal authority to collect on this debt.

4. Proof that this debt is still within the statute of limitations to be collected in my state.

5. A copy of any judgment ( if applicable ) you claim gives you the right to collect.

Legal Notice Until you provide the requested documentation, you may not legally continue to collect on this debt or report it under the FDCPA ( 15 USC 1692g ). Additionally : Under 15 USC 1692e, you are prohibited from making false, deceptive, or misleading representations.

Under 15 USC 1681s-2 ( b ) of the Fair Credit Reporting Act, you must update or delete inaccurate information if you are notified of a dispute. 
Under 12 USC 5531 and 5536 ( Dodd-Frank Act ), any unfair or abusive collection or reporting activity is a federal violation. 

If you can not provide full and proper validation within 30 days, you must immediately cease collection activities and remove all reporting from any credit bureau in accordance with federal law. 

Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} TRANSUNION : XXXX XXXX  Balance : {$6300.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00}
Product: Checking or savings account

Pursuant to the class action lawsuit for Wells Fargo, Ive been with them for 20+ years and Im pretty sure I fit within the category of that suit.
Product: Checking or savings account

I opened a new savings account with Discover Bank. When I tried accessing my account their fraud department had put a freeze on the account. I've tried calling in on numerous occasions to clear this up and it is always a 2 to 3 hour wait time. I finally reached someone on XX/XX/XXXX and was told they couldn't unfreeze the account until after XX/XX/XXXX because they needed to wait for the XXXX to clear, even though it had cleared my bank on the XXXX. So now today XX/XX/XXXX I tried calling again and after XXXX XXXX they disconnected my call and no matter who else I call at Discover I am told the only ones that can help is the fraud department. This is a terrible system and I just want to move my deposit to another bank that has a better system of customer service. Please tell them to give me my {$25000.00} back.
Product: Debt collection

I been disputing several accounts with the creditors, and bureaus. Each time i send out a dispute that indicate section 609,623,809 i get return verification without any additional method of verification. I advised all parties to provide me with accurate info/docs that obligates me to the debt/account that appears on my credit reports at which i continue to receive letter from all parties without any of the info i inputed in my dispute letter justifying obligation to the debt. please obligate them to provide all accurate information that show my contractual signer or obligation to any debt presumed i owe. I've been disputing these account for over a year now. Here are some dates and additional info included : 1. Debt validation letter sent onXX/XX/XXXX to XXXX disputing amount owe {$8800.00} charge off 2. Debt validation letter sent on XX/XX/XXXX to XXXX XXXX disputing amount owe $ {$2400.00} 3.XX/XX/XXXX XXXX, XXXX, XXXX dispute letter for XXXX, XXXX XXXX XXXX XXXX1 4. XX/XX/XXXX Debt validation letter sent to XXXX XXXX disputing amount owe XXXX 5.XX/XX/XXXXXXXX, XXXX , XXXX  dispute letter to Diversified amount owe {$350.00} also attached police report to all bureaus, creditors, and collectors 6. XX/XX/XXXX Debt validation letter sent to Diversified 7. XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX OF XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX : Late Payments Being Reported This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The not station of the following late payments is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws.
Product: Credit reporting or other personal consumer reports

I have submitted this to Transunion on several occasions and they seem to be overlooking my request. 

I feel 1XXXX  days once they have received this notice is more than enough time for hem to correct this information. Especially since this will not be their first time being presented this matter.
Product: Credit reporting or other personal consumer reports

The report stated the info is correct according to XXXX. I am part of the XXXX XXXX XXXX class action lawsuit. There was a hard deadline of XX/XX/2024, for my loans to be discharged, refund sent, and credit scrubbed. Unfortunately, the missed the deadline and I still have not had my loans discharged, sent a refund or had my credit cleaned up. I have called both XXXX and XXXX and been given the run around. They both blame each other, and in the meantime I was denied a car loan due to this negative info on my credit report due to XXXX not being held accountable to the deadline.
Product: Checking or savings account

Hello Consumer Financial Protection Bureau, This complaint is in regards to Consumer Financial Protection Bureau ( CFPB ) Complaint Number XXXX. CFPB, could you contact USAA on my behalf, to USAA President XXXX XXXX to make a one time exception and issue a refund for {$810.00} onto my original payment method based on the following information provided below to support my case : Supporting Evidence : For eight months ( XX/XX/XXXX through XX/XX/XXXX ) I tried to resolve the issue regarding the defective XXXX Front Load Washer I purchased online on the XXXX XXXX website with XXXX XXXX, XXXX Customer Support, and XXXX Authorized Agents/Service Technicians . Unfortunately, CFPB after eight months of trying to resolve the issue with XXXX Customer Support, and their Authorized Agents I tried to resolve the issue with USAA Federal Savings Bank in XX/XX/XXXX. CFPB, I have a harasser and I believe he/she could be at Consumer Financial Protection Bureau to delete my case/complaint. CFPB, could you assign one of your highly trained and skilled employees to resolve my complaint. Again, CFPB could you ensure the CFPB Representative whom is assigned to my case contacts USAA President XXXX XXXX on my behalf, to ask XXXX XXXX to make a one time exception and issue a refund for {$810.00} onto my original payment method.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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

I reviewed my credit profile XX/XX/year>, and I noticed personal information that does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

As a follow-up to a prior CFPB complaint I made to the credit bureaus, XXXX XXXX is submitting this CFPB complaint. On XX/XX/XXXX, I submitted a letter to the credit bureaus asking them to delete credit inquiries that aren't related to me. The XXXX data leak compromised my personal information. I would like the following inquiries to immediately sever all ties to me because they are not associated with me and have neither approved nor received any money, products, or services as a consequence of identity theft. I just learned about this regulation, and it states that you must delete all accounts and information no later than four business days following XX/XX/XXXX, in accordance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ). This has already been mentioned in my prior complaints, and I'm repeating it here as well : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Debt collection

XXXX XXXX / XXXX / {$6800.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Product: Credit card or prepaid card

In XXXX of this year I became a victim of XXXX  XXXX and subsequently was fired for that reason from my job. My physical and mental health began deteriorating and I was diagnosed with a XXXX. 
I have a credit card with a {$2500.00} limit and an APR at 25 %. I have had this card for almost 2 years and have great payment history. It is the only credit card that I have. I Called before I even went over my limit and explained to the representative that I Was suffering from a financial hardship, I had no income, and I had just been Diagnose with the XXXX. 
The American with disability act requires requires lenders to offer disabled customers with a reasonable Accommodation if ever they are in a situation where they are suffering a financial hardship. 
I was offered nothing. 
The interest kept growing and I spoke to them a few more times times and the only options they gave me all required the card being closed which is the last thing that I wanted to have happen. The only reason I ever had this card was specifically to make payments on time and build my credit. Within 3 months of that 1st phone call And me doing my due diligence to keep in contact with them throughout the entire 90 days before they closed my account the card has been closed and my credit score has been destroyed. I just got off the phone with a representative from Chase and she said that before they close an account they offer deferment payments or some type of payment plan. I was offered neither. I am currently in the process of getting evicted and I have been applying for homes the last 2 months but unable to rent anything because my credit score is so low. This has been incredibly stressful on me and a huge factor as to why I will likely be homeless in the next week.
Product: Debt collection

On XX/XX/XXXX, I received notification from XXXX XXXX XXXX that I owed XXXX XXXX XXXX {$800.00}. 
On XX/XX/XXXX I wrote XXXX ( return receipt requested ) stating that I dispute the charge and requested verification specifically all copies of receipts of payment. 
On XX/XX/XXXX XXXX XXXX at XXXX XXXX XXXX signed for receipt of my letter. 
To date, I have not receive the requested verification specifically copies of all receipts of payment. 
On XX/XX/XXXX I opened my credit report and found XXXX XXXX XXXX had reported this un-validated and disputed debt on XX/XX/XXXX. 
On XX/XX/XXXX my attorney advised to file this complaint.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA, XXXX TransUnion XXXX XXXX Assistance Department XXXX XXXX XXXX XXXX, PA XXXX RE : Account # XXXX ( XXXX ) ; Correct Account XXXX XXXX ( In the credit report the XXXX XXXX Account # is INCORRECT ) ; XXXX XXXX XXXX Account # XXXX, {$53000.00} ( Sold by the Original Lender XXXX XXXX XXXX XXXX  to the Debt Collector XXXX XXXX XXXX ) ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Account is XXXX, {$69000.00} Charged off ( C/O ) Dear Sir or Madam : I am a federal victim of heavy fraud and identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I should be responsible of at all. It is the result of both heavy fraud and identity theft due to fraud. 
XXXX XXXX XXXXXXXX XXXX  Account # XXXX, {$98000.00} Charged off ( C/O ) XXXX XXXXXXXX XXXX  Correct Account XXXX XXXX ( In the credit report the XXXX XXXX Account XXXX XXXX is INCORRECT ) {$100000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX, {$53000.00} ( Sold by the Original Lender XXXX XXXX XXXX XXXX  to this Debt Collector XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account is XXXX, {$69000.00} Charged off XXXX XXXX  ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Identity Theft Report ( FTC, Local Police Report, FBI Official Victim Letter ) Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Checking or savings account

I deposited two money order checks on XX/XX/2020. i was told the checks would only be held until XXXX. When XXXX came the checks were still not available for me to withdraw. I called and they said it would be available by XX/XX/2020. It is now XX/XX/2020 and the amount is still not available for withdraw.
Product: Credit reporting, credit repair services, or other personal consumer reports

the account in question was opened fraudulently
Product: Credit reporting or other personal consumer reports

There is inaccurate information on my consumer report. I have identified the specific information ( please see attachment ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled personal information and allowed their systems to be compromised, resulting in my personal information to be stolen by malignant actors
Product: Credit reporting, credit repair services, or other personal consumer reports

- Never been delinquent on a credit card in my life - BOA notified me on XX/XX/11 that my account was late - I use AutoPay generally and didnt get an alert- I paid over {$500.00} the moment I did on XX/XX/11 - BOA XXXX told me on the phone that once processed delinquency or missed payment would drop from my report. 
- Credit score dropped XXXX points since they reported it - I have been working with a Government XXXX XXXX XXXX XXXX fix my score. In spite of this, a misunderstanding like this just set me back years and now I am stuck. 
- My account is paid. Tried speaking with BOA to take this off report and they have not done anything - I need help since this card company is taking advantage of this situation I am stuck despite using government DMP resources- Fully employed at XXXX XXXX XXXX  XXXX making over XXXX annually.
Product: Vehicle loan or lease

Santander is falsifying information on consumers using predatory loan practices causing unjustified low credit scores. In XXXX, this company settled charges to low-income and subprime customers for similar reasons. My sister and I are very much still affected by this behavior. They accused my sister XXXX XXXX of missing payments in XX/XX/XXXX when in fact I have a bank statement proving that she made payments in XXXX of XXXX to this company. But they continue to block the credit bureaus from deleting the mistake. They also falsified remark codes on credit report just to have it removed on the XXXX year mark of the XX/XX/XXXX false missed payment because they know after XXXX year the late payment will be less effective on XXXX XXXX. They removed it around XXXX and XXXX of XXXX just to reset the late payment issue. Which dropped our XXXX XXXX almost XXXX points, causing a significant financial burden on my sister and I at the moment. And they are well aware my sister XXXX XXXX is XXXX XXXX and low-income, taking advantage of her XXXX to understand what is going on with her XXXX XXXX and auto loan as well discrimination. I fear they will continue to try to take advantage of this system by giving false information. Please see attachments below with proof of payment and predatory lending practice.
Product: Checking or savings account

I received multiple emails from Wells Fargo stating that I opened and account with them but I did not. I called Wells Fargos fraud department and the froze the account as well as opened an investigation.
Product: Credit reporting or other personal consumer reports

I recently got a copy of my credit reports and notice 2 car loans, that were opened fraduently in my name.
Product: Credit reporting or other personal consumer reports

XXXX is reporting a bankruptcy on my credit report, and they have put in the data furnisher as the U.S. Bankruptcy Court, which is false, I have attached a letter from the US Bankruptcy Court District of XXXX XXXX verifying and stating that they do not report records of the court to any credit bureau, Pursuant to 11 U.S.C. 107 ( a ). XXXX is falsely stating this on my credit report and have yet to remove it from my credit report. 

XXXX is reporting a bankruptcy on my credit report, and they have put in the data furnisher as the US BKPT SC XXXX which is false, I have attached a letter from the US Bankruptcy Court District of XXXX XXXX verifying and stating that they do not report records of the court to any credit bureau, Pursuant to 11 U.S.C. 107 ( a ). XXXX is falsely stating this on my credit report and have yet to remove it from my credit report. 

Equifax is reporting a bankruptcy on my credit report, and they have put in the data furnisher court as Federal which is false, I have attached a letter from the US Bankruptcy Court District of XXXX  XXXX  verifying and stating that they do not report records of the court to any credit bureau, Pursuant to 11 U.S.C. 107 ( a ). Equifax is falsely stating this on my credit report and have yet to remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ADVANCED COLLECTION BUR Reporting Debt owed, but " No Contract '' with them.