23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation for XXXX XXXXXXXX XXXX Case Reference : XXXX XXXX XXXX Dear XXXX, I am writing to formally dispute the debt claimed by Credit Collections Services and request validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I am seeking clarification on the validity of the debt they claim I owe. 
In reference to the case XXXX v. XXXX ( XXXX & XXXX, XXXX v. Green ), which serves as a precedent, the court ruled that debt XXXX must provide clear and sufficient documentation to verify that they are authorized to collect the debt and that the debt is accurate. The ruling highlights the importance of ensuring that the consumer has adequate information to assess the legitimacy of the debt. 
As of now, I have not received sufficient verification of the debt from Credit Collection Services. In light of this ruling, I respectfully request that Credit Collection Services XXXX provide : XXXX. Proof of the original creditor. 
XXXX. Documentation showing the amount of the debt owed, including any interest, fees, or charges. 
XXXX. A clear chain of assignment of the debt to Credit Collection Services.

4. Copies of any signed agreements or contracts related to the debt.

{$530.00} I am aware that under the FDCPA, Credit Collection Services is required to validate this debt upon request. I expect that if they are unable to provide this information, the debt should be considered invalid, and any further collection activity must cease.

Please treat this letter as my official dispute of this debt and my request for validation. I kindly ask that you acknowledge receipt of this request and ensure that Credit Collection Services complies with my request in a timely manner. 
Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

I have tried to resolve this issue with TransUnion and the collection agency but they will not remove this account. I asked for validation of these accounts with documents showing they are mine and I owe XXXX two collection companies have the accounts. First collection company is XXXX opened XX/XX/XXXX amount XXXX the company or Transunion who is reporting it don't have any documents. The second company is XXXX XXXX opened XX/XX/XXXX amount XXXX. According to section 609 of FCRA they have to give me some documents showing these accounts belong to me or Delete.
Product: Debt collection

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Account Number : XXXX To Whom It May Concern, This letter serves as formal notice under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), to cease all communication with me regarding the above-referenced account. This request applies to any and all forms of communication, including but not limited to telephone calls, text messages, emails, letters, and any other medium of communication. Additionally, this directive explicitly includes any communication via my consumer report, as defined by the term " communication '' within the meaning of 15 U.S.C. 1692a ( 2 ).

As per the FDCPA, once a debt collector receives a written request to cease communication, they are required to comply, except to notify the consumer that further collection efforts are being terminated or that specific actions may be taken as allowed by law. Any further communication in violation of this request will be reported to the appropriate regulatory agencies, and I will pursue all available legal remedies. 

This letter is not to be construed as an acknowledgment or validation of any alleged debt. Please provide written confirmation that you have received and will comply with this cease-and-desist request. 

Thank you for your immediate attention to this matter. 

Sincerely, [ XXXX XXXX All Rights Reserved Without Prejudice
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, AND XXXX KEEPS REPORTING INACCURATE INFORMATION. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX is sending me text messages claiming my XXXX account owes money, but when logging into my account I do not show a negative balance. Moreover, the text messages do not tell me what is owed or to whom. I have not received any communication by mail ; only via text. 

Text messages have been sent on the following dates XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> Messages all state the following : " Make your payment before your XXXX XXXX ( XXXX ACCOUNT - for which the current creditor is JEFFERSON CAPITAL SYSTEMS XXXX ) account is returned to our client. Check out your options at portal-shepher.com or call XXXX. This text is from XXXX XXXX, a debt collector. 

The law limits how long you can be sued on a debt. Because of the age of your debt, JEFFERSON CAPITAL SYSTEMS LLC can not sue you for it, and JEFFERSON CAPITAL SYSTEMS LLC can not report it to any credit reporting agency. ''
Product: Debt collection

I was sent a summons to appear at which on XX/XX/2021 I was in court via zoom. The company was able to receive a court date quicker than most evictions as if the judge was in collusion with the company. The company is attempting to collect/ sue me in the name of Wells Fargo and they do not represent XXXX XXXX I have contacted wells fargos legal department and they advised me that this company has no affiliation with them.
Product: Debt collection

On XX/XX/XXXX I took a friend ( a XXXX Member ) to XXXX XXXX Hospital ( " XXXX '' ) for medical attention. I had previously injured my XXXX  foot and was in pain, so I asked a member of XXXX 's Medical Staff to check to see if I had a XXXX XXXX. As it turned out, I did. I provided evidence of my Medical Insurance Coverage and XXXX was generous enough to waive a {$5.00} fee. Subsequently, my insurance company was billed by XXXX in two ( 2 ) separate claims for their service. The first Claim # XXXX was paid XX/XX/XXXX for {$41.00} ; second Claim # XXXX was paid the same date ( XX/XX/XXXX ) for {$120.00}. According to conversation with my insurance company following receipt of the collection notice, XXXX was paid a total of {$150.00} for both Claims : with one Check # XXXX. The check was cashed by XXXX on XX/XX/XXXX. I have been involved in the emergency care of a senior Family friend and have not had time nor opportunity to continue, back and forth, with XXXX after they have already been paid. XXXX has smeared my credit further and now seeks unjust enrichment at my expense. I, too, am a Senior Citizen and feel that I have been subjected to Elder Abuse due to XXXX 's inability to properly maintain their records. I am of the opinion that countless others have been subjected to the same, if not worse. I am a member of the XXXX XXXX and I realize that sometimes the dollar signs interfere with reality to such a large extent many people suffer without knowledge of being taken advantage of. Or, better yet, too worn and unnecessarily taken advantage of on a continuous basis they 've lost energy to fight. I want the record cleared based on payment received by XXXX ; a letter sent to each of the three ( 3 ) credit bureaus to clear the erroneous report. Finally, XXXX 's medical billing practices should be analyzed to ascertain how many true victims there are who 've suffered the casualties of poor medical billings! All facts were provided from the records of my insurance company ; XXXX has copies ( or should have ) of the checks received. Thank you
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally contest the inclusion of specific items within my consumer report that I believe have been reported without my explicit written consent. I am raising this issue in accordance with the provisions outlined in 15 USC 1681b, which safeguards the confidentiality of consumer information. Additionally, there is no record of written consent to include my XXXX XXXX bankruptcy in my consumer report.

I have previously filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized disclosure of my personal information, which I strongly believe constitutes identity theft. I have been assigned a reference number for this FTC report, identified as XXXX. 

In accordance with 15 USC 1681c-2, consumer reporting agencies are mandated to swiftly halt the reporting of any information in a consumers file that the consumer identifies as information stemming from suspected identity theft. I respectfully request that you comply with this legal obligation and promptly eliminate the following accounts from my consumer report : Account Name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XX/XX/2022, I received a letter from I.C. System Inc.requesting {$270.00} for a past due balance. 
This is fraud. I do not use XXXX for anything. I do not have any outstanding bills.
Product: Debt collection

hi, I have been trying get straight answers from portfolio recovery associates llc from in the 2nd week of XXXX until now and they keep going around in circle sending me irrelevant papers and completely ignoring my letters regarding the debts they claim I owe them. it is very frustrating and time wasting going back and forth about validations of the debts they claim I owe, this been hurting credit file and been a big negative impact on my life I can't get any kind of assistance due to fact of these nasty negative items they put on my credit file without the proper method of validating and follow the fair debt collection practices act laws they act as if these laws don't apply to them and take advantage of consumers ( me ) I need my letters request to be answered properly and not something they throw on a piece of paper and don't care. if they can't validate these nasty negative items that keep reporting on my credit file they should be remove it is the law ( FCRA ), I also put the reference numbers for those account they claim I owe them, copies of the letter template I send. 
XXXX XXXX thanks in advance
Product: Credit reporting or other personal consumer reports

The following Accounts showing on my XXXX Credit Report are Fraudulent 1 ) Account owner Joint Account Date reported XX/XX/XXXXXXXX  Account status Unpaid Creditor Classification Rental/Leasing Original amount owed {$2600.00} Original creditor XXXX XXXX XXXX XXXX XXXX assigned XXXX Agency XXXX XXXX XXXX Status date XX/XX/XXXX Delinquency Date of last payment Balance owed {$2600.00} Comments None Balance date XX/XX/XXXXXXXX  Date of first delinquency 2 ) Date filed 3 ) XX/XX/XXXX 4 ) Bankruptcy disposition 5 ) XXXX XXXXXXXX 6 ) Liabilities 7 ) Individual/Joint 8 ) Individual 9 ) Current disposition date 10 ) XX/XX/XXXX 11 ) Exempt amount 12 ) Comments 13 ) Case number 14 ) XXXX XXXX ) Date reported 1XXXX ) XX/XX/XXXX 17 ) Court number/name 18 ) XXXX 19 ) Individual/Business 20 ) Individual 21 ) Asset amount 22 ) Date verified 23 ) Prior disposition 24 ) XXXX FILED 1 ) XXXX XXXX  Bankruptcy Reference XXXX ( This Bankruptcy Belongs to a XXXX XXXX ) XXXX XXXX XXXX XXXX  Amount {$670.00} Account # XXXX Date opened XXXX XXXX XXXX XXXX Account XXXX XXXX Amount {$900.00} XXXX XXXX XXXX  Account # XXXX Amount {$7100.00} Date opened XX/XX/XXXXXXXX XXXX XXXX Bankruptcy
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX XXXX or XXXX XXXX, i am livid with the XXXX rep, who refuse to assist. Also lied about a supervisor being available to assist with my request. My name is XXXX XXXX and the have it on my report as XXXX XXXX, i have never signed with any company going by XXXX XXXX. And all my years of having credit I have never encountered such errors as these people seem to have on my reports. I mean ALL 3 of them, XXXX, Equifax and XXXX. I had to take off from work to get on the phone and just be disrespected when I am telling these people who I am and what my information is. They are refusing in most cases to assist. It's like they have been told not to help us. I am very upset and i want my report for all 3 bureaus to show correct. I have been denied credit, credit increases, and given higher interest rates for some of this XXXX XXXXXXXX that these agencies are reporting. I have never had to file a report of this manner to anyone, BUT with this rudeness and refusal to fix my information by phone when they have my ID and bill information on file, is beyond me and i am sick on talking to them to get my information correct. They have a XXXX payment report of late on my report and i have not been late, i paid my vehicle off early and was not late at ALL. I need these things to be corrected and updated on my report. I called XXXX and they said they don't have the information of me being late and they did not report it. My only name is XXXX XXXX and my only address is XXXXXXXX XXXX XXXX XXXX GA XXXX no other statements or addresses should be showing on my report. The late notice from XXXX should be removed immediately from my report. I was told a long time ago that they would correct this. Thank you for assisting me and if you need any more information, please reach out to me.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX you furnished alleged transaction on my XXXX that you identified as late. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments 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 creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not rely to me stating that you are furnishing accurate information because we both know your not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : XXXX : XXXX
Product: Debt collection

I paid {$110.00} directly to the original creditor ( XXXX ) for account # XXXX and received a confirmation number of XXXX for my payment. By law, XXXX must recall the account from the collection agency ( Convergent ) as they have no legal reason to report on my credit reports and must delete.
Product: Checking or savings account

XX/XX/2022 my Capital One Bank checking account was closed without explanation. 

2022 I tried to open an account at XXXX XXXX, but I was denied without reason, the banker said it was under review in the fraud department. I haven't received a reason. 

Is something attached to my social? 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 Section 602 states : I have the right to privacy. 15 U.S.C. 1681 604-A Section 2 consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C. 1666 B, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Mortgage

Reference to Case number : XXXX Unfortunately, the representative of US Bank did not address my complaint accurately and specifically explaining why the loan application was mishandled from the beginning : - I would have promptly clarified the contradictory information if was brought to my attention immediately without any delay. 
- As I mentioned, I have over 25 years of gainful, professional employment with XXXX earning a very good amount of money each month, with or without extra allowances and I have a saving over $ XXXX in my 401K - Still US Bank is challenged calculating basic math : My monthly income without allowances is XXXX. Common sense dictates that an employer would not give {$16000.00} for a house and car allowance. The actual house and car allowance. Equals XXXX a month. Please review your calculation again - I believe this process has been made particularly difficult and lacked transparency. I.E. I was not informed about the program requirements. Can you provide the DTI ratio? What is the minimum down payment? 
- As the process unfolded, I began to wonder if my status of being an XXXX living in the XXXX XXXX played a role. 
- This protracted process of securing a loan and its eventual denial caused considerable emotional anguish for me, my spouse and particularly for the sellers. 
- As a buyer, I can not recover from this failed transaction, because the seller put this special house right back on the market and immediately went into escrow.
Product: Checking or savings account

My brother in-law asked if i could deposit his 2 checks from his XXXX so that we would be able to make the rent payment. I deposited the checks with my phone and it accepted the deposit. I waited the time period for the funds were on hold until the check cleared. Once the funds became available as soon as i went to make payment for rent and bounced my rent payment. I called chase to resolve my issue and found my account closed. The department i spoke with claimed they needed to speak to my brother in-law, which is fine, but when i gave them his XXXX XXXX phone number they told me that they can not verify with that number and that they can only call the number in thier system and they can not tell me what that number is. I asked about going into a branch with my brother in-law with our drivers licenses and resolvong it in person. They told me that is not done anymore and if i cant tell them the number that they have in the system for my brother in-law then there is nothing i can do. The checks have already been cashed so a reissue of check is impossible. I was evicted from my apartment and since have been struggling because of my account closing and want my money since i had no choice but to repay my brother in-law the money he lost during this nightmare.
Product: Payday loan, title loan, or personal loan

I received a pay day loan on more than one occasion from Speedy Cash. The Original amount was always XXXX or maybe even XXXX.I think the flat fee was {$100.00} at most. I would have never taken the payday loan otherwise. I missed one payment and now they are charging {$920.00} in interest in addition to the principal. I never signed for an interest loan and even attempted to call and settle on 2 occasions once for {$800.00} and the last time for {$900.00} to no avail even when notified that I have begun to prepare for Chapter XXXX bankruptcy proceedings and that I rather pay now than over a 3-5 year period. I do not think the usury rate of interest their charging is a contractual obligation. In fact the interest is more than the loan itself. I am willing to pay the original loan amount with a reasonable fee but if they insist on trying to defame my character by representing to the credit bureaus that my balance is higher than what it is and refusing to take a payoff is ridiculous.
Product: Bank account or service

When attempting to buy a generator after a hurricane my check was declined by Certegy Check Services. I have had multiple problems with them in the past with declining checks saying I did n't have enough history with them. When I was finally able to get a check approved Certegy sent it off to collections with in a week saying it was unpaid even though my bank shows it paid after talking to them it was found to be an error and they where going to send a letter to me to get my fees refunded from my bank and that never happened. That has made me loose several XXXX dollars in fees to my bank. Fast forward to today when attempting to call for three days in a row since XXXX XXXX and wasting 6 hours I can not talk to anyone to figure out the issue. Certegy has not learned from the FTC lawsuit and is still preventing customers from spending their own money. Their VIP program that is supposed to make writing checks easier is a joke. It is just a way to force consumers to do business with them. I am tired of having to waste my checks that I have to pay for.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX is and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

around XX/XX/XXXX i contacted sterling talent solutions about being denied employment with XXXX. they didnt help me with anything and didnt offer to investigate the issue. i wanted them to point me in the right direction of what needed to be done but i was rushed off the phone. they didnt care at all about me being so upset about the problem.