23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally notify you that your attempts to collect on the alleged debt acct # XXXX in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. As you may not be aware, this claim is governed by an arbitration agreement with indigo mastercard, which clearly stipulates that " any dispute must be resolved through arbitration due to the binding agreement. '' To date, no arbitration proceedings have been initiated.

As a direct result of that this constitutes a material breach of the original agreement, which was acknowledged by all parties involved. As such, I assert that you have no legal right to continue collection efforts on this debt, please cease and desist 15 usc 1692c also remind you of the legal precedent set in XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX  ), which held that reporting a debt to credit reporting agencies constitutes a form of communication under the FDCPA. Any continued reporting of this alleged debt to credit bureaus without proper validation will be considered a violation of the FDCPA. 

Additionally, I understand that this alleged debt was likely purchased for pennies on the dollar. Given these circumstances, I am extending you an opportunity to resolve this matter amicably. 

Arbitration, as stipulated in the agreement, is not a trivial matter. The cost of arbitration can be significant, and I believe it would be in your companys best interest to avoid the expense and time involved. Below is an itemized list of typical costs associated with arbitration : Filing Fees : The cost of filing for arbitration can range from {$200.00} to {$1500.00}, depending on the arbitration provider and the amount in dispute. 
Arbitrator Fees : These fees can range from {$500.00} to {$2500.00} per day, with multiple days of hearings often required. 
Legal Fees : Each party is responsible for their own legal costs, which can easily exceed {$5000.00} in many cases. 
Other Administrative Costs : This includes fees for document handling, hearings, and other necessary procedures, which can add up to an additional {$1000.00} {$3000.00}. 
As you can see, the total cost of arbitration could easily exceed {$10000.00}, not to mention the potential for additional legal expenses. 

Thank you for your prompt attention to this matter. I look forward to resolving this issue swiftly.
Product: Debt collection

Notice to principal in Notice To Agent and Notice to Agent is Notice to Principal Account Name : National Credit Systems Account XXXX Notice to Dispute Debt I dispute and debt your company claim to have on me. 
You must stop all collection activities. My demands are : For you provide me with the audit trail : Account File Ledger All accounting documents The transactional history Please be sure to provide everything demanded in this letter. IF you are unable to provide the demanded information you must delete this account immediately. 

If your fail to communicate to the consumer reporting agencies that this debt is in DISPUTE, that would be a violation Pursuant 15 usc 1692e8 False or misleading.

This law is very clear as to the Civil liability and the remedy available to me, according to 15 usc 1692k. Furthermore, failure to honor this requested DEMAND will lead to fully intend on pursing litigation in this matter suing your company for actual damages sustained. 
Please be aware that freezing this account is not an update to my credit report. 

Thank you for giving this letter your prompted attention.
Product: Debt collection

I have disputed this account multiple times requesting documentation each time. So far all I've received is a 50 % settlement offer for an account that still remains unverified. Deville has called me during a pandemic. They have threatened to sue me. They have refused validation. They were raided by the FBI. I will not deal with a company that doesn't play by the rules. They have violated the Fair Debt Collection Practices act and The Fair Credit Reporting Act multiple times! PLEASE HELP ME, I '' M A DISTRESSED CONSUMER!
Product: Student loan

XXXX/XXXX/XXXX I finally called the XXXX Collector in what the constant phone calls where about not only to my phone but my parents work and etc. What I finally came to light was Navient put one of my loans in default and was sent to a collection agency. The sad part about it was that Navient did not notify me, no letter, or phone stating that they were going to do so. I am already on a specific payment plan with them and have but all federal accounts into forbearance. So for them to not state that this has happened through me for a great loop because since I was no longer under XXXX XXXX I thought finally Navient would be better to work with and help out ... WRONG was. Now I am dealing with a settlement which is still outrageously high and finding out why i was never informed of this particular loan going into collection
Product: Debt collection

My Husband and I lived in these apartments back in XXXX and when we went to move out, My husband verbally told an office employee and he was told that she would put in the paperwork and begin move out process. We had 60 days. When we came to hand in some things to the office, the manager said she never received anything from the other worker that we were moving out. That was around 35 days we were supposed to move and we already had a house to move into. Well, She told us that it was ok that mistakes are made and she understood. Then we get a bill from a collection agency that we owe two months rent for breaking our lease. We absolutely did NOT break our lease. Not that this would matter, but this manager has done this to others we have know in that apartment complex. This is now a negative remark on our credit and a debt over XXXX that we do not owe. That company has always been very suspicious to us when we lived there. Everything that we requested while living there was always verbal, never had to fill things out. We should no AT ALL owe this. Very unfair and it needs to come off our credit. I have also disputed this with credit companies as well and nothing ever happens. I am aware that there was a blind broken and a hole that i believe they added to that bill, and i will be more that willing to pay for those.
Product: Mortgage

I refinanced a property on XX/XX/2021 and the payoff was made within a few days. I am due a refund of my escrow balance which is yet to be received. 

Since the refinancing, I have received several emails telling me that my escrow account was being evaluated ... as it is this time every year ... so they are determining if my payment needs to be adjusted rather than returning my money. 

Multiple calls to the lender, SunTrust/Truist, when I can reach them, have only gotten a response about what their process is. I called yesterday, XX/XX/XXXX and was on hold until I gave up at over 49 minutes ... trying to take my granddaughters to lunch. 

I am actually on hold now and the message says the delay will be over 25 minutes ... the same message as yesterday. This level of service should not be allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fed Loan is reporting inaccurately on my credit report. These accounts show as collections status and they are not. I have consolidated them and should be reporting as a good open line of credit. I am requesting they fix this as soon as possible.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 

Cash app tag : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft someone used my information to obtain credit, and applied for several creditcards and loans that I havent authorize them to check my credit here are the inquires that are fraudulent I didnt authorize them to check my credit Hard inquiries XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX CXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX and XXXX have 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. Also states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

My mortgage company sent us a letter in XXXX stating we were six months past due. We were only 5 months past due but rather than argue, we paid the mortgage current. I received another letter in XXXX stating I was 5 months past due and that I owed XXXX - XXXX payments. I immediately called them to let them know that they received XXXX payment per their instruction and that I had additionally made another payment in XXXX. Their attorneys have records of both of these payments. Ive called at least 10 times and their agents tell me that they can see there is a mistake on the ledgers on their end and they will send it to a supervisor to fix. This has been going on for more than a month and they havent updated their records yet and are threatening foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On or around XX/XX/XXXX a letter from XXXX XXXX  who is acting on my behalf forwarded a dispute and inquiry to XXXX. TransUnion received this dispute and inquiry as no return letter has been given to myself or XXXX XXXX to establish a wrong address. Therefore, the TransUnion address is correct and mailing was complete. Thus, it is presumed TransUnion received this letter pursuant to Florida and Federal law. See the case Perry v. GMFS , LLC, No. 2 : 18-cv-01572-MHH ( N.D. Ala. XXXX XXXX, XXXX XXXX XXXX " The presumption of receipt arises upon proof that the item was properly addressed, had sufficient postage, and was deposited in the mail '' ) ( " citing Barnett v. Okeechobee Hosp. , 283 F.3d 1232 ( 1XXXX XXXX XXXX ) '' ). See also Berwick v. Prudential Property & Cas. Ins. Co., 436 So. 2d 239 ( XXXX XXXX. Ct. App. 1983 ) ( " It is presumed that mail properly addressed, stamped and mailed was received by the addressee '' ). IN THIS INSTANCE DSK Law properly addressed and mailed to TransUnion the dispute and inquiry on my behalf. TransUnion has received the dispute and inquiry from XXXX XXXX. Thus, TransUnion is purposefully refusing to investigate and respond back to XXXX XXXX with the results of the investigation. Furthermore, TransUnion is continuing to allow information that has been identified as information being reported as a result of identity theft ( i.e. XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX and allowing outdated information to remain on my report XXXX XXXX. XXXX XXXX XXXX XXXX being remaining more than seven ( 7 ) years on my report ). XXXX XXXX is reporting information it knows to be false regarding one of its affiliates purporting that I defaulted on a credit card. On a card that I had there was a payment made on a date that is less than 30 days from the previous payment. Typically in order for a person to default the person must at minimum be at least XXXX to 180 days behind. I was not 90 or 180 days behind. Please investigate this matter as XXXX is attempting to circumvent the legal process and avoid their statutory duty pursuant to the FCRA to investigate and respond accordingly to the findings. Thank you for your attention to this matter and I look forward to hearing from your office soon. Sincerely, XXXX XXXX XXXX, XXXX.
Product: Credit card or prepaid card

I am a Citibank cardholder ( 2 separate cards ). I inquired via a chat session on the Citibank website about potentially converting my Simplicity card to an American Advantage card. The chat agent answered several questions for me and confirmed that I would be eligible for the XXXX XXXX XXXX signup bonus upon meeting a spending threshold of {$2500.00} over the first 3 months of having the card. I acitvated the Card on XX/XX/XXXX and met the spending threshold less that 2 months later. When I followed up to inquire on the status of the XXXX bonus points, I was told by an agent that there was no bonus available and the original agent had provided me with " misinformation ''. I would never have opened the new card as the terms were more advantageous on my original Simplicity card. However with the bonus offer, I was moved to switch the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX   XXXX  XXXX
Product: Vehicle loan or lease

Hey I purchased a car around XXXX of last year. I bought a XXXX for XXXX $ credit acceptance approved me for it. Now credit acceptance is charging me XXXX they hid additional cost from me now Im struggling to pay the loan back
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates LLC XXXX XXXX  XXXX XXXX, Ca XXXX We have Paid in full many of our accts with this company. They just keep coming at us now on accts that have been paid off. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Portfolio has not notified ... the prior collection agency or agencies money has been paid for the same accts either. 

That they are paid off in full no negotiated amount. To XXXX XXXX, and or XXXX XXXX paid {$320.00} ck # XXXX Paid to XXXX XXXX XXXX XXXX ... ( XXXX, and XXXX XXXX Also ) XXXX XXXX {$410.00} ck # XXXX Paid to Portfolio Recovery XXXX XXXX {$370.00} ck # XXXX ( is XXXX, XXXX  XXXX also ) Paid to Portfolio Recovery XXXX {$260.00} ck # XXXX ( Which is XXXX, & XXXX ) Paid to Portfolio Recovery They have accts for both me and my huband and the amounts paid are for all the accts we have with the creditors.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a fraudulent account or transaction that appears on my credit report. This account was opened or reported without my authorization, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and related identity theft protection laws.

ber : FCRA & Identity Theft Violations Related to This Account : 1. Unauthorized Reporting of Fraudulent Information ( 15 U.S.C. 1681b ) Credit reporting agencies must ensure that only authorized and legitimate information is included in my credit report.

2. Failure to Conduct a Proper Investigation ( 15 U.S.C. 1681i ) If I dispute fraudulent information, the credit bureau is legally required to conduct a proper investigation within 30 days and remove unverifiable or fraudulent data.

3. Fraud Alerts and Security Freezes ( 15 U.S.C. 1681c-1 & 1681c-2 ) As a victim of fraud, I request that a fraud alert be placed on my credit file and that any unauthorized accounts be blocked from further reporting.

4. Identity Theft Protection ( 15 U.S.C. 1681m ) If this fraudulent activity resulted from identity theft, the FCRA requires credit bureaus to take appropriate actions to protect me from further harm.

Requested Action : Immediately remove the fraudulent account or inquiry from my credit report.

Place a fraud alert on my file to prevent further unauthorized activity.

Provide me with a corrected copy of my credit report reflecting these changes.

I have attached several copies of my identity theft report, supporting documents to verify my claim.
Product: Checking or savings account

On XXXX XXXX, 2024, at XXXX PM, CDST, I made a deposit into my checking account, Account XXXX at Wells Fargo in the amount of {$220000.00}. Funds were from a title company escrow fund for the sale of real estate. Wells Fargo issued a Transaction Receipt from XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, stated that the total funds would be available on XXXX XXXX, 2024.

On late afternoon of XXXX XXXX, I acquired XXXX CDs from XXXX XXXX  totalling {$100000.00} payment for which was to be withdrawn directly from the checking account. 

Also, I purchased from XXXX a mutual index fund shares totaling {$66000.00} on the same day. Payment for these fund shares were to be drawn from the Well Fargo checking account. 

In a letter from Wells Fargo dated XX/XX/XXXX, but received several days later, I was informed that the funds, {$220000.00} would not be available until XXXX XXXX, 2024. This was the only notice. No email, no phone call, no text message on XX/XX/XXXX or thereater. 

I have received a bank transfer rejection notice from XXXX dated XX/XX/XXXX and demanding payment. I am now expecting similar notices from XXXX XXXX, and another from XXXX for additional sum of {$59000.00}. 

The actions of Wells Fargo amounts to fraud and kiting. 

I expect a disgorgement from Wells Fargo for all interest and income they have derived from withholding of this amount for the period from XXXX XXXX, 2024 to the time funds have been delivered into my account ; that XXXX and XXXX XXXX be notified of Wells Fargo delay in providing the funds and that XXXX XXXX be absolved of any and all liabilities and that Wells Fargo be responsible for all damages caused to my reputation
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote a dispute letter to TransUnion & XXXX  & XXXX   credit bureau, asking for verification of a XXXX XXXX account thats being reported on my TransUnion & XXXX  credit report per 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. ( Verification Letter Attached ) The verification letter was sent certified mail and was received on XX/XX/XXXX by TransUnion & XXXX. ( Delivery certification letter confirmation attacked ). 
On XX/XX/XXXX I received a letter stating that TransUnion & XXXX   investigation was complete. After reviewing the report, TransUnion & XXXX stated that Outcome : Remains. This item was not changed as a result of our processing of your dispute. ( TransUnion report page 1 and 2 attached ) After reviewing my report, I did my own investigation and placed a call to XXXX XXXX to see if they had any information on me for this account. On XX/XX/XXXX I placed a call to XXXX around XXXX XXXX  and spoke with a representative name XXXX ( AKA XXXX no employee number was given. He indicated that they have no information on this account, because they sold it to a third party on XX/XX/XXXX. 

After placing the call to XXXX XXXX, I knew that TransUnion & XXXX  was in clear violation of the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. 
I am very concerned about the validity and accuracy of TransUnion & XXXX  investigation, as this inaccurate item remains on my credit report, which is a clear violation of the FCRA. 
If TransUnion & XXXX  had investigated properly, rather than using a e-Oscar system, they would have known, that this account does not exist per XXXX XXXX, but TransUnion & XXXX  claims to have verified this account was accurate. 

It is at this time that I will point out that in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form through the e-Oscar system that does not even contain the reasons for my dispute is not reasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a request for account validation on different accounts from Experian. I requested that they send to me the files they used to verify the accounts and the name of the person they verified with. They have ignored my request on 2 different occasions and continue to send me updates that the account has been verified without proof as required under the FCRA section of 1681 ( a ) ( 4 ), they is negligent noncompliance and a violation of Federal Law. Being that they are unable to verify and send information as to how it was verified it should have been deleted and they refuse to delete as well. I have been sending letters to them since XXXX XXXX, 2017 and it is well over the 30-45 days in which they are allowed to send over the validation or DELETE the item from my report.
Product: Credit card

I had three disputes recently. One was for XXXX XXXX. XXXX was for XXXX. One was for XXXX XXXX both XXXX XXXX and XXXX never got them. In fact I contacted one of the delivery services XXXX because the picture they posted was not my location and I told them and I was told to take it up with my bank no help. I have contacted everyone from the seller to delivery to my bank and Ive had absolutely zero help with XXXX eats it was just an order that I never got as well. Same thing. I had contacted XXXX and XXXX XXXX as well through their apps and each time I did either one I got disconnected or two I was told to take it up with my bank