23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1993 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATEXXXX IN RESPONSE TO CFPB COMPLAINT : XXXX SINCE YOU DID NOT ANSWER TO MY COMPLAIN CORRECTLY AND INCORRECLY STATED THAT I MADE ARRANGEMENT WITH YOUR COMPANY, WHICH IS MY 2ND REQUEST FOR YOU TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. 

CAVALRY PORTFOLIO SERV XXXX CAVALRY PORTFOLIO SERV XXXX Whom It May Concern : According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Alleged Name and Address of Creditor 1. Name on File of Alleged Debtor : 2. Alleged Account # : 3. Amount of alleged debt : 4. Date that this alleged debt became/becomes payable : 5. Date of original charge off or delinquency : 6. Amount paid if debt was purchased : 7. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

8. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
9. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 10. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 

I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1993 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit card or prepaid card

Money was taken out of my account and i verified with them and everything for almost XXXX $ thru out XXXX and XXXX and they really did not care or investigated at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being charged for a loan from a school that doesnt exist, nor did I ever attend. I have contacted the original creditors and the address they have on file was for a school thats not at the address given, I was told that the school was shut down for fraudulent activities by staff members. On my credit report the dates that the loan was taken out are constantly being changed also its saying I made payments last year when I never have made a payment.Also when I initially contacted the original creditors there were dates of XXXX and XXXX and that couldnt be me because I was incarcerated at that time. I have never attended and college or university but yet on my credit report there are numerous loans and this is keeping me from building my credit because now I cant receive any credit.The credit bureaus said there is nothing they can do but how can u verify a debt from a school that doesnt exist. Ive disputed the accounts numerous times over a period of years with no resolution. These accounts are making it hard for me to live a conducive life because everything we do is tied to credit and I can not receive any credit because of these accounts Im about to start a family and its making things even harder I have been disputing these accounts for years with no resolve. My name was also part of an XXXX breach of information. All student loans reflecting on my account are fraudulent ( XXXX XXXX, US DEPT OF EDUCATION ) I have submitted an FTC report to the credit bureaus and original creditors with no resolve from this issue, please help!!!
Product: Credit card or prepaid card

The primary problem is as follows : Today, XXXX XXXX, 2021, I tried to close a Citi Card ( American Airlines Advantage ) card. 
1. I called the phone number on the credit card statement and forced my way through endless menus. When I finally reached the option I wanted - i.e., to cancel the card- the phone system immediately hung up. 

2. I redialed the same phone number and again forced my way through the menu. Once I reached the option to cancel the card, the phone system immediately hung up. 

3. I called the General Support & Servicing phone number in my portal. When I finally ( forcibly ) reached an option to cancel the card, the phone system immediately hung up. 

4. I called the Apply for a Card phone number in my portal in an attempt to reach a person. The phone system asked for my social security number ( SSN ), which I refused to provide. My SSN would link me immediately to my active card. 

I never could reach an actual person. 

The secondary issue, which I did not address right away, is that I never authorized Citi Cards to update my card to Platinum Select. I never activated the card they sent to me in the mail. 

Your help would be most appreciated to cancel this card. I am appalled that a company such as Citi Cards would exercise such practices. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that your claim is disputed and validation is requested.

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 ask you to 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 ( GEORGIA ).

5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Mortgage

I had a mortgage bought & serviced by Seterus , Inc . I received an email from them on XX/XX/XXXX that stated if I paid off the late fees I would receive a discount of 50 % of these fees if paid by XX/XX/XXXX. I contacted a rep ( either XXXX XXXX or XXXX XXXX ) on or about XX/XX/XXXX regarding a payoff as I was in the process of selling the home. After extended periods on hold and questions I was assured that I would receive an escrow refund as well as the late charge refund within 30 days as required by regulation. I had issues with his responses and asked to speak with a supervisor ( XXXX XXXX ) who indicated the same. I paid off the loan in full ( including the full amount of late charges ) on XX/XX/XXXX. I received a check ( with no explanation or accounting whatsoever ) that stated " escrow disbursement '' with no refund for fees. I spoke with a XXXX XXXX   who indicated I would need to send emails to his legal department to receive my refund. I asked to speak with his supervisor ( XXXX XXXX ) who tried to explain that there is an issue that I paid in full rather than just the late charges. The email did not specify any of this and again I was promised by several employees I would recieve my refund within the 30 day regulatory period. I indicated it was their ( Seterus ) issue and they should talk to legal. He refused and I asked to speak with his supervisor ( XXXX XXXX ) whom has not called as of yet. I do not feel like I need to battle their legal department for the refund they promised several times. I can forward all information including the refund email along with loan # 's etc. if necessary.
Product: Checking or savings account

I opened a new checking account with BMO back in XXXX of XXXX online and set up bi-weekly deposits from my employer in the amount of {$1000.00}. I have been scheduling a withdrawal from XXXX around the same day after the payroll deposit to XXXX XXXX which is earning interest. I had no idea my account would be closed. I still have a direct deposit already processed thru my employer that's set to be deposited on XX/XX/XXXX. XXXX never indicated I was not in compliance with their rules. In fact, today I received a notification my statement was available, although upon logging in, I have no visibility to my account nor any current or past statements. BMO has removed any access. Extremely frustrating and they are unwilling to reopen the account. XXXX notification given.
Product: Money transfer, virtual currency, or money service

I added funds to my Coinbase account and wanted to use cryptocurrency to transfer to another service ( XXXX ) but haven't been able to use Coinbase for anything. I then tried to transfer my money back out of Coinbase but withdrawals from the account are XXXX. The error I receive says I can't add a payment method for withdrawals in my region even though I live in the US and have not used the account outside of the US. I have contacted Support several times since XXXX about the issue but they haven't been helpful. My account is still restricted. I have done nothing with the account aside from initially depositing funds into it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX XXXX XXXX XXXX i  have 3 problems in my credit report. 

1.By XX/XX/XXXX of XXXX i found on my report few credit cards attemps like someone was trying to get a new credit cards ( hardinquiry ). But i didnt made this transaction lr request. The company is XXXX XXXX. I call but no one was able to really help me. I want this dissapear of my credit because i have more than 8 months that i dont ask for a new CREDIT CARD. 

2. I found a XXXX  XXXX  XXXX  collection ( 240 $ ) for a gym that i stop to use more than a year ago. I ask them to take off this collection but they didnt, so i talk with them and pay the due and they said they will be erase the collection like i never have it. But i see the collection ammount in 0 but still there and pay just to finish this quick so i dont get my credit bad. 

3. XXXX  XXXX XXXX XXXX XXXX $ ) ( PAYMENT OF XX/XX/XXXX ) missed payment. I agree with them months ago to pay few days later without affect my credit snd they agree and said its ok. Later i saw my credit with 1 MISSED PAYMENT.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. The Affirm account is reporting I have one late payment on an account that is 30 days late in XXXX. The consumer reporting agencies need to report all information with complete accuracy. This account was not late 30 or more in XXXX. I've attached a copy of my report to this complaint on the following date XX/XX/2024. I'm now requesting you investigate and provide verifiable proof with records showing that I had a late payment for the month of XXXX. If this information can not be verified I demand this account to be completely removed. The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies ( CRAs ) and information providers to correct inaccurate or incomplete information in consumer credit reports. The FCRA also requires companies to remove unverified information from consumer reports if they are unable to determine if the information is true.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 41 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Checking or savings account

Good Afternoon, On XX/XX/22 I received an email stating the next step for my application. I begin calling Wells Fargo- they insisted and tried to downplay the matter telling me they would help to close the account BUT THEY COULD CLOSE ACCOUNT UNTIL IT WAS COMPLETED TO BE OPEN. I received many emails ( attachments enclosed to this complaint ) over the next couple of days and mail from Wells Fargo concerning opening my new account. I am also so careful about someone obtaining my personal information in the past. I thought I used the upmost steps to stop this from happening in the past! When I understood the account opened was fraud, I was so distraught! - I DECIDED TO SCHEDULE AN APPT WITH A THERAPIST! I'm still in therapy! It's not a good feeling to know you are so careful to NOT let this happen and find out the an actual Corporate Bank did this to you. Who now can you trust! Wells Fargo hurt other clients in the past with other deceptive practices- when will it stop! I called and called Wells Fargo- I called Wells Fargo , no one ever called me. Customer Service Rep only tried to downplay the seriousness with the matter- I was so agiated and upset once off the phone. How do I keep myself positive this will not happen again? Please help! Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681i - Procedure in case of disputed accuracy I received a copy of my credit report the late payment and information on my credit report is inaccurate. 
date OF last ACTIVITY exact amount owed date opened On my transition report I owe XXXX On XXXX document attached below differ everything doesn't match LATE 30 day says XXXX, on XXXX it's says XXXX The Activity are inaccurate and does not met fcra. REINVESTIGATE and Remove inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem with fraud alert and not reinvestigation results I sent Equifax a certified letter asking for investigation of inaccurate accounts reporting to my credit report. Per company guidelines, XXXX, XXXX, Equifax must report the same information on all three reports, which I have enclosed proof showing each of these accounts are reporting inaccurate information between bureaus, which is a violation. 
I sent a copy of all three credit reports to XXXX, XXXX, Equifax showing and where each agency is reporting different information, which makes the information inaccurate. 

Please see attachments for accounts in questions and for details. 
After Equifax received my valid proof of information. I received a letter with no answer at my dispute, XXXX XXXX and XXXX accounts are still reporting and a fraud alert has been placed on my account. 

So, the company did not fully investigate my disputes and yet add a fraud alert to my account, which I did not consent too. 

Please note, I attached my letter that was sent, my proof of the inaccurate accounts information, proof of deletion of same accounts from Transunion results, and proof theses accounts are still reporting inaccurate information amount the 3 different credit agencies.
Product: Mortgage

Mortgage company stole my insurance money. 

We've been dealing with this since XX/XX/XXXX. Have already demanded and completed the post-loss inspection and submitted XXXX and other internal documents. They requested an inspection ( completed XX/XX/XXXX ). 

They still have refused to sign or endorse check, even though their own completed inspection report says that the mortgage company will place no liens or holds against the property. The money is my property. They know this and are intentionally refusing their endorsement and will soon make the insurance proceeds useless. My check is set to void XX/XX/XXXX and still there is no definite timeline of when, or if they will allow, the check to be deposited. If that happens i've lXXXX XXXX XXXX XXXX XXXX XXXX directly by the company 's actions even AFTER complying with their contracts and terms and we'll be left with no options. 

The mortgage company has decided to keep my money they have no legal or contractual right to, and we are concerned that the check will void before they ever do.
Product: Debt collection

In XX/XX/2023 I was facing an eviction that was brought to a stipulation and was voided due to system being down to make payment that month. in XX/XX/2023 we went to court and decided if I pay the remainder of that month that I was living in the apartment it will not go on my credit and the remainder rent that was paid to the Clerk of Court Registry would be disbursed to them once I made the final payment that was paid on XX/XX/2023. I have legal documentation that everything was paid in full but yet they place on my credit the amount that was supposed to be disbursed through the Clerk of Court of XXXX Florida.
Product: Credit reporting or other personal consumer reports

Under the FRCA Im entitled to a description of the nature and purpose of these inquiries. Please provide me with the necessary information regarding these inquiries within 30 days as stipulated by the FCRA. If you can not provide a legitimate reason for these inquiries, I request that they be removed from my credit from my credit report immediately. Failure to comply with this request will result in my pursuit of legal action to protect my rights under FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have filed several complaints against Transunuion ans finally, the US Bankruptcy court wrote me a note saying that they did not validate and or do not validate Bankruptcies. Transunion is in violation of my Fair Credit Reporting rights. Please see attached and advise Teansunion that the Bankruptcy that is reporting neds to be removed under the Federal law. To add to complaint number XXXX. With all the prof that I am providing, I do not understand why this is still on my credit.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I recieved a 1099-C ( Cancellation of Debt ) for the following charged off account listed below. After checking my most current report on XXXX and Transunion the updated information stated this account was still being reported. The account can not be reported as a charge off on my credit report. PLEASE CEASE THE REPORTING AND DELETE THIS XXXX ACCTS # XXXX BOTH ACCTS ARE STILL BEING REPORTED i'M ATTACHING 1099C AND XXXX AND TRANSUNION REPORTING
Product: Credit reporting or other personal consumer reports

To whom it may concern, Im am reaching out because, The Fair Credit Reporting Act 15 US Code 1681 section 602 a states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. XXXX, and Experian are consumer reporting agencies and I am the consumer. I exercise my right to make certain that my private information isnt shared which is backed by 15 US Code 6801 which states, It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. 

15 US Code 1681 ( e ) reads, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under 1681 ( b ) of this title. 

Under 15 US Code 1681 ( 2 ) ( A ) ( i ) Exclusions : Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal. 

In addition to that, 15 US Code 1681 ( a ) ( 5 ) says, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This account is an adverse item they are reporting again without my permission which is against the law. 

XXXX XXXX XXXX is a financial institution by definition under 15 US Code 6801. 15 US Code 1681 section 604 ( a ) section 2, says, in general, subject to subsection c, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX, The financial institution does not have my consent to furnish this information and does not have my written consent. All consent to XXXX, Experian, XXXX XXXX XXXX wether it be verbal, non verbal, written, implied, or otherwise is revoked. Under 15 US Code 6802 ( B ) and ( C ) states a financial institution may not disclose non public personal information to a non affiliated third party unless - the consumer is given an explanation of how the consumer can exercise that non-disclosure option. XXXX XXXX XXXX never informed me of my right to exercise my non disclosure. 

XXXX and Experian are not maintaining reasonable procedures. 12 CFR 1016.7 states, A consumer May exercise the right to opt out at any time. I am opting out of your reporting services as of now.
Product: Credit card or prepaid card

THIS ACCOUNT WAS AN AUTHORIZED USER ACCOUNT AND I REQUEST THAT IT BE DELETED FROM MY CREDIT PROFILE.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XX/XX/XXXX Balance {$1200.00} Open Date XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX Balance {$0.00} XXXX Date XX/XX/XXXX XX/XX/XXXXXXXX Balance {$730.00} Open Date XX/XX/XXXX inquiries XXXXXX/XX/XXXX Date XX/XX/XXXX XX/XX/XXXX Date XX/XX/XXXX XX/XX/XXXX Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date XX/XX/XXXX XX/XX/XXXX Date XX/XX/XXXXXX/XX/XXXX Date XX/XX/XXXX 2023