23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX  Subject : Debt Validation Request Pursuant to the FDCPA Dear Plaza Services , LLC, I am writing to formally request validation of the debt that your company is attempting to collect from me. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to receive full verification of this alleged debt before I take any further action.

Please provide the following documentation to validate this debt : 1. Proof of Assignment A copy of the original agreement that legally transfers this debt to your agency.

2. Original Creditor Information The name and contact details of the original creditor, including account details.

3. Complete Payment History A full breakdown of how the amount was calculated, including principal, interest, fees, and any additional charges.

4. Legal Right to Collect Documentation proving your legal authorization to collect this debt on behalf of the original creditor.

5. Signature Verification A copy of any agreement with my signature that proves I am legally obligated to pay.

6. Statute of Limitations Documentation proving the debt is within the legal timeframe for collection.

If you are unable to provide all the requested validation within 30 days, you must immediately cease collection efforts and remove this account from my credit reports as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Additionally, any further reporting of an unverified debt to the credit bureaus is a direct violation of the FCRA and FDCPA, and I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 
Please consider this a formal dispute of the validity of this debt. I expect a response in writing within the legally required timeframe. XXXX XXXX, XXXX account number- XXXX. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX Av XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX
Product: Checking or savings account

I am a small business banking customer. On XX/XX/2021, Capital One transferred {$5300.00} from my interest-bearing business savings account to my non interest-bearing business checking account without my authorization. On XX/XX/2021, I became aware of this and called customer service. I instructed them to reverse the unauthorized transfer and immediately credit my account with the lost interest income. I was told that it was a known software bug related to recurring transfers. As a result I told the representative to also cancel all recurring transfers between my savings and checking accounts. I was told that all recurring transfers had been cancelled and that the lost interest income would be credited to my account. On XX/XX/2021, I was told that my " case '' was denied and that the interest income I lost due to Capital One 's software error would not be paid to me which is in violation of my contract with the bank and is also in violation of U.S. banking laws. On XX/XX/2021, Capital One initiated a transfer of {$3800.00} from my interest-bearing business savings account to my non-interest bearing business checking account without my authorization as all account transfers had been confirmed to be cancelled during my previous call. I called customer service and was again told it was a " known software issue '' with no estimated time to correct. I attempted to cancel all recurring account transfers via the mobile app and website and received a software error " Oops! We hit a snag. '' I told the customer service representative that I wanted to cancel all recurring transfers. Knowing that that would not happen I decided to eventually transfer all funds out of my interest bearing business savings account and close the account.
Product: Mortgage

On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX  PMI Department. In the letter was a request for PMI to be removed from our current Mortgage, a check for {$450.00} for an appraisal and document review, and a list of all upgrades done to the house. 


OnXX/XX/XXXX US Bank received the finalized appraisal from the individual they hired, XXXX XXXX. The report showed that our house had appraised at {$130000.00} and the original value at the time of purchase XXXX XX/XX/XXXX was {$110000.00}. On XX/XX/XXXX we owed XXXX XXXX XXXX   {$100000.00}. 


On XX/XX/XXXX US Bank denied the request to remove PMI and highlighted their Investor Relations Guidelines for PMI Removal. Since we owned the house for less than 5 years the US Bank guideline to remove PMI is that our XXXX on our loan must be 75 % or less. With this appraisal, our XXXX was 76.3 %. 


After I inquired about the guideline not matching with normal PMI guidelines ( LTCV 80 % or less ) I had my lawyer inquire on the issue as our closing documents do not state we must own 25 % of the home to have PMI removed. 


onXX/XX/XXXX, XXXX XXXX, Customer Advocacy Specialist from XXXX XXXX XXXX   responded to my Lawers inquiry restating the Shareholder Guidelines for PMI removal. XXXX also stated in the letter that if we bring the principal balanced owed to US Bank under {$100000.00} by XX/XX/XXXX the PMI would be removed. 


Prior to receiving the letter response from XXXX, on XX/XX/XXXX I sent a letter to XXXX XXXX XXXX PMI Department with a check enclosed for {$1900.00} ; in the letter I stated that this check is to be applied to principal and should only be cashed if this removes the PMI from our next mortgage. The check was cashed on XX/XX/XXXX 


On XX/XX/XXXX I contacted XXXX XXXX XXXX PMI Department and spoke to XXXX who reviewed the case and stated the PMI removal was denied as the shareholder Guidelines were updated within the last month which would now disqualify us from PMI removal. However, US Bank confirmed they had not sent the new guidelines out to its clients, and we began this process in XXXX and completed the process prior to the JXX/XX/XXXX deadline.
Product: Debt collection

Received collection notice from Synter Resource Group , LLC . claiming I owe debt to XXXX for {$28.00}. I do not owe this debt. 

Synter 's file number : XXXX Date of letter : XX/XX/18
Product: Money transfer, virtual currency, or money service

XXXX was transferred from my account with XXXX that I never authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item  needs to be removed from my credit report.
Product: Debt collection

XXXX XXXX charged me a bill I did not owe. They also put XXXX separate charges but XXXX separate collection agencies on my credit report. After a few disputes XXXX was deleted. However the other remained. Both XXXX and the collection agency Enhanced Recovery keep passing the buck saying I owe this charge. Most recently I just received a noticed addressed to a former resident of my address with the same XXXX charge info. I had no knowledge of the prior resident I just happened to open the wet letter to see what it was in my mailbox.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My ( XXXX XXXX XXXX ) and I were in XXXX in XX/XX/2019 XXXX We were stopped on the street and asked to come hear a presentation after winning a free gift. We were mislead into purchasing a package that was not what they claimed it to be. After realizing we were taken, ( within 3 days ) we tried to cancel the package, calling every number on the paperwork for days, but to no avail. We kept getting the runaround saying someone would call us back, but no one ever did. We left several messages with several people asking them to cancel our package. 

Months later we received a collection notice in the mail from a place called Monterey Financial Services of CA. The original company was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. We had a free consultation with a lawyer and we tried to dispute it online. To no avail. 

Our issue is that the original company was in a foreign country so how is it that they have the right to tamper with our credit here in the US.? We are utterly appalled at the fact that something like this could happen. We feel totally unprotected. The amount is ( {$9000.00} )
Product: Credit reporting or other personal consumer reports

This letter concerns fraudulent information linked to my identity. Unauthorized accounts and transactions have been wrongly attributed to me, causing significant distress. I've fallen victim to identity theft and have reported this incident. 

This situation demands urgent attention due to its adverse effects on my finances and reputation. I request your immediate assistance in removing all fraudulent data from my credit report and conducting a thorough investigation. I stand ready to provide necessary evidence and, if needed, pursue legal action to safeguard my rights and seek compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX 7. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Delete this account. 

9. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account.
Product: Money transfer, virtual currency, or money service

XXXX Money Transfer ( Western Union ) I did a money transfer to XXXX XXXX, after several times, the money never cashed there. During this period the Company XXXX answers my questions, but they never resolved the problem. 

I asked for my money back, and they said only in the same Agency I sent the money. The same Agency in XXXX refused to give me the money back, only another Western Union Agency. I went to the New Agency and they said didnt get the money, and then I went to the original Agency in XXXX and they refused again. During this process I was calling all the time customer service people, but everyone gave me wrong information. 

After waiting, I spoke with a supervisor and he said the same. They need to contact the Accountings department to get my money back : 7 days waiting.
Product: Credit reporting or other personal consumer reports

These loans from XXXX XXXX for XXXX ( Graduation in XXXX ) in XXXX, OH originated XXXX or XXXX years ago and reflect balances on XXXX from Direct Loans. They have been sold to several companies a few times over resulting in the dates being as recent as XXXX. They do not appear on XXXX at all. There has never been a single payment made on any of the XXXX accounts in question ( balances- {$1900.00}, {$1100.00}, {$3900.00}, {$4800.00}, {$7700.00} and {$9300.00} ). I contacted XXXX and was able to verify on the website that no student loan of any sort is listed in any of my accounts. XXXX has the XXXX above amounts listed ( I did make a dispute ). I spoke with the Department of Education and they attempted to scare me and bully me into making a payment or entering into a repayment plan, I declined to do either. The department of education also claimed that I owed over XXXX! I am unable to get a home loan for myself and my kids while I'm surrounding a divorce from my husband. I don't know where else to turn. Please help!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the information in section 1637b was mailed to the consumer no later than XXXX days. 

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
Product: Credit reporting or other personal consumer reports

Every month, since XX/XX/XXXX, I have notices that Mohela ( my student loan lender ) is providing an incorrect balance and inaccurate actual monthly payment to all 3 credit reporting agencies. Because, I am trying to improve my credit score, the accuracy of this information is very important. Even the XXXX XXXX monthly balance and actual payment is missing, not reported at all. I believe if all of this information was reported correctly, my credit score would be higher. 

Every month, I have had to file a dispute with all 3 credit reporting agencies against Mohela. When I contact Mohela they tell me that they are reporting the correct information. 

Only last month did I learn that Mohela is using a third party distribution center to send the updates to all of the credit reporting agencies. I believe this is were the breakdown may be happening. 

Today is XX/XX/XXXX and all 3 credit reporting agencies are still showing the incorrect balance of {$87000.00} for XXXX. I understand the reporting is one month behind, and that Mohela reports information being reported for the month of XXXX is still showing incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several years I have disputed negative accounts on my Transunion account. They accounts they said have been " verified. '' when I ask for verification, none is ever provided. I am writing this complaint that the most recent disputes specifically student loans over ten years old are not mine. I have continuously asked for verification and have gotten none. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove any and all fruad alerts from my name and report
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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

To whom it may concern, In XX/XX/XXXX I prepaid ( with my own funds ) for a capital one prepaid visa. This was for the purposes of needing emergency funds. This was my money. It was never a credit card nor was it any responsibility for Capital One to provide any credit to me. 

When I finally tried to use the card, it was declined ( it was my own money so I'm sure you can imagine how frustrating that would be ( and embarassing because I was at my doctor 's office in front of many other people. 

It wasn't until XX/XX/XXXX that there was a misunderstanding on my part. I received many many months of junk mail from Capital One and continued to toss it in the recycling bin each month. Unfortunately, I wasn't paying attention ( my mom died and I was XXXX XXXX for which I have medical confirmation if needed ). With all of their junk mail, I didn't see the mail with a {$55.00} charge until it was too late. Capital One reported a 30 day late notice on {$55.00}. 
You will notice on my credit report, that I don't have any other 30 day lates so it's not like I'm a deadbeat who doesn't pay her bills. I've asked Capital One to remove it 2 times given the minor oversight on my part and the fact that it's only {$55.00}. They will not. I've asked the credit bureaus to try and remove. They will not because Capital One says it's a valid report. Capital One says they are required to report it due to the Fair Credit Reporting Act. Well, for {$55.00}, it's about as unfair as unfair could be. Which is ironic since they are hiding behind the " FAIR '' Credit Reporting Act. 
My request to you is this : Can you please find a way to remove the {$55.00} Capital One- 30 day late? For the past 2 years, it has greatly impacted my ability to get a car loan, home loan, credit cards ( up until this year ). I understand I made a mistake but for {$55.00} it's costing me thousands of dollars in terms of car loan % rates. Again, this was my money all along ( other than the {$55.00} ). They EARNED INTEREST ON MY MONEY for 16 months until XX/XX/XXXX and then again for another 2 years, with no risk on their part at all. Again, this is not fair. 
Thank you for your assistance in this manner, XXXX XXXX XXXX
Product: Debt collection

A collection agent from Prime XXXX called last night to my phone after XXXX. It was XXXX to be exact. I am a XXXX  in a busy ER and not able to speak on my phone. This collector then called the emergency room at XXXX and spoke to a coworker then asked for me. When I did speak to her she threatened wage garnishment on a debt I have no clue about. First of all it was after the time she should legally call. Second of all during a pandemic we are not allowed to take personal calls in an emergency room. The collector should not have contacted me after XXXX and should not be calling an er. I attached the screen shot of the call and time
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello team, am trying am begging Tesla finance from 4 months till today to report my tesla auto loan to credit bureaus, I'll submit their emails, they always tell me that Tesla does not report accounts in good standing to any of the credit bureaus, and they tell me let the credit bureau give us a call or send us an email with your signed authorization for us to confirm your credit history to them, I contacted XXXX they said let Tesla finance send us your information, I'll attach also the XXXX conversations here. 
Am stuck in between, and I need Tesla finance to report my auto loan to the credit bureaus, so that the monthly payments will reflect my credit. 
I need your help please with this issue. 
God bless you
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.