23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XX/XX/XXXX Dear Sir or Madam/To Whom It May Concern, On XX/XX/XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency NEVER sent a letter stating that you had completed your investigation and the items were not deleted, as requested. 
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). 
To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 
Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

Please reply within 15 days or delete the negative items, as originally requested. 

1. SOUTHWEST COLLECTION SERVICES 1ACCOUNT # XXXX ON BEHALF OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XX/XX/XXXX To whomever it may concern, I noticed that my credit report, pulled through your company, shows a medical account that does not belong to me. I believe you have erroneously listed this account and I would like to have it removed immediately. Below is the account you have listed. 

Name : XXXX XXXX Social : XXXX Account : 1.SOUTHWEST COLLECTION SERVICES ACCOUNT XXXX ON BEHALF OF XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please remove this account immediately. I understand that, by law, you have 30 days to complete your investigation of these errors. I trust that you will provide me with the procedure that you used to verify the accuracy of the information listed above. 
Thank you for your time. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I contacted Venmo about a transaction that was sent to the wrong account due a malfunction with the app ( and refused to troubleshoot the issue with the app ). The payment which was labelled rent was directed to an ex-roommate who left on bad terms. I contacted Venmo who instructed me to have him call them to return the funds. He did so but Venmo had extracted the funds for a debt that he owed them. They refused to do anything about returning the funds when he informed them to return them to me. The amount was {$1800.00} and they have tried to place the burden on the receiver when they have acknowledged that he wasn't supposed to receive the funds. This is also reflected in my Venmo history with two payments to my landlord once a month. 

I have submitted a police report and a report to the FTC about the issue. We did exactly as Venmo instructed and refused to return the funds to pay off the person 's debt. I am now having to scramble to find a means to pay my rent while Venmo refuses to process the refund even after having the person they told me to contact to contact them and approve the payment back to me.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I.C. System, INC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear [ I.C. System, INC ], I am writing in response to your notice of debt collection. Under the Fair Debt Collection Practices Act [ FDCPA ], I am request that you validate this debt. I request proof that it is accurate and legally enforceable. 

Please provide the following information : 1.The name and address of the original creditor.

2. The amount of the debt, including any interest, fees, or other charges.

3.Proof that you are authorized to collect this debt on behalf of the creditor.

4. A complete and itemized history of the debt, including the date of the original transaction and any payments or adjustments made since.

5.Verification that the statute of limitations for this debt has not expired. 
6. Copies of any paperwork that shows I agreed to pay what you claim I owe. 


Please note that I am disputing the validity of this debt and requesting that you cease any collection activity, including reporting to any credit bureaus, until the debt has been properly validated. 

In accordance with the FDCPA, please consider this letter as a formal dispute and request for validation. I request that you respond within 30 days of receiving this letter. 


Thank you for your attention to this matter. 

Sincerely XXXX XXXX
Product: Payday loan, title loan, or personal loan

I had a forbearance due to Covid 19. I didnt receive notice the forbearance was ending. Instead I received overdue notice. I paid immediately. I was still given a negative mark on my credit report. Ive asked Citi for assistance with this mark and I get transferred from customer service, to delinquent accounts and back and forth. No one there will help me. I feel that it is unfair that I received this negative mark as soon as my forbearance ended and especially because I scrimped to immediately pay the balance due as soon as I got the overdue letter. I thought they were helping me by offering the forbearance but mostly taking the forbearance hurt me ( my credit ) when I was already in a stressful situation due to Covid 19, the uncertainty of work availability and prices for everything rising.
Product: Debt collection

On XXXX/XXXX/2016 send a dispute to the Credit Reporting Agencies indicating that the account is not accurately reporting. 

Subsequently, on XXXX/XXXX/16 the Credit Reporting Agencies indicated that the collection agency verified to the credit reporting agency that the account was being reported accurately. 

On XXXX/XXXX/16 I faxed a letter to the collection agency to the attention of XXXX XXXX. The letter stated that i was not sure how they were able to verify accurate reporting and asked if they did in fact verify the reporting or if the credit reporting agency was at fault. 

On XXXX/XXXX/2016 I received a notice from the collection agency reiterating what was already reporting. HOWEVER, they did not answer my inquiry. I requested to know if they did in fact verify that the account was reporting accurately between XXXX/XXXX/16 and XXXX/XXXX/16. I can only assume that no validation of the debt exists. 

This is a violation of the Fair Debt Collections Practices Act ( FDCPA ), the FCRA, and Federal and State statutes for fraudulent slander of credit and illegal reporting activities. 

Further, under California Civil Code 1785.26 a collection agency is to notify me within 30 days of reporting a collection account to my Credit report. Since they have failed to notify me of this, by phone or registered mail they are in violation of this code.
Product: Debt collection

HI TOWN OF XXXX XXXX # XXXX  ; Im confused and stressed and 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.
Product: Checking or savings account

I had a pending transaction/bill payment from  XXXX   XXXX , I then transferred the amount to cover the cost from an external account/ Bank  XXXX   XXXX   XXXX   XXXX   . B oth transactions were simultaneously in Pending status Tuesday. The bank then used predatory measures and charged me an unwarranted  XXXX  overdraft fee. The overdraft fee then put me in the negative {$9.00}. I would like this published.  XXXX  consumer unfriendly/ predatory lending way is not only unsavory but creates financial hardships on the, POOR consumers they draw on to sustain their institution.
Product: Consumer Loan

Received a loan from Avant Credit loan. Was not told what my interest. The loan was for XXXX with an interest of 35.90 % of {$190.00} a monthe. 1 year later after a years of payment and balance was still high,. I called the company and found our that when loan is paid in full I would have paid XXXX back, so now I wanted to send in extra money only to find that interest will be taken out. I have had loan and credit cards in the past and when seding in extra money, it went to the princple, rhis company does not do that. feel that I have been jitped. This is too much money to pay back, at XXXX years old makes me want to check in on bankruptcy or kust refuse to pay anymore money ... Thank you much for any help or advice.
Product: Debt collection

I do not owe this bill. Someone opened this account. wallet and id stolen 2016. I informed the agency to remove this off my credit. which the have never sent me a letter or anything of the source.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  XXXX via telephone on XX/XX/XXXX and by mailing a dispute letter to this company requesting a reasonable investigation regarding a negative account from XXXX that they are reporting in my credit file which the Co. ignored on or about XX/XX/XXXX. 

Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$220.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX
Product: Money transfers

Per my conversation with CFPB on XXXX/XXXX/15, I am submitting a new complaint based on my original claims and allegations against Bank of America, but will be providing new/additional information, such as a better Bank of America contact to reach out to, i.e. preferably outreach to Bank of America 's CEO/Corporate Headquarters versus a random consumer resolutions center.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX, I am reaching out because there is some accounts related to a bankruptcy? Showing on my credit report, I have never been involved in any bankruptcy, and this is due to me being a victim of identity theft. I have reached out to the three major bureaus informing them of this fraud on XX/XX/21 and they all claimed that this information was verified, but couldn't produce anything other than saying it was verified on their end. I have submitted the necessary FTC report and Identification that was requested from me in regards to getting these fraudulent items off of my credit report. I was involved in the XXXX data breach and also informed them of that and they said that means nothing.
Product: Mortgage

My mortgage never used to require an escrow account. Please provide the following : 1 )  Documentation showing why an escrow is required with my loan, 2 ) Date escrow was added to my account to include explanation why, 3 ) Breakdown of how my escrow payment was calculated and method used to determine monthly amount, 4 ) Explanation why escrow payments are being billed when I tax paid my 2019 taxes in full to the Town of XXXX. The tax payment was delayed due to a dispute over my water bill with the town. 
5 ) Explanation why the letter dated XX/XX/2019 from Mr. Cooper in response to my inquiry failed to note that my taxes were paid XX/XX/2019, the tax payment they sent in XX/XX/2019 was a duplicate and returned, and I continued to receive inaccurate periodic statements. 

Supporting Documents : Document 1 shows that there was a duplicate payment made from Nationstar to the Town of XXXX for taxes and was returned. Document 2 and 3 show that escrow taxes and insurance in the amount of {$330.00} were being billed to me after my taxes were paid. Document 4 is from the Town of XXXX and shows that I paid the taxes for 2019 in full. Document 5 is a letter dated XX/XX/2019, which shows that ( 1 ) Mr. Cooper failed to adequately investigate my account due to the fact that the taxes were paid in full during XX/XX/2019 and ( 2 ) Town of XXXX returned Nationstars tax payment because it was a duplicate sent after my payment. Document 6 shows that I am being billed late fees, I am a senior citizen on a fixed income and this has an adverse impact on me.
Product: Debt collection

I resided at XXXX from XXXX ( see attached ), and I had a move out balance of {$110.00}. The apartment collection agency ( XXXX ) posted this on my credit report TWICE. The balance has been paid to XXXX since XXXX XXXX, XX/XX/XXXX ( see attached ), however it is still showing up on all credit bureau as a DEBT and as a DUPLICATE. The collection agency is giving me the run around and it has affected me tremendously, and I need this debt to be removed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 a 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: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report due to a recent data breach. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these unauthorized entries be removed. The following accounts and inquiries are not mine and are the result of identity theft : Accounts : XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX I purchased a phone for {$200.00}, however I was scammed and never received the product. 

I reached out to the merchant XXXX XXXX but there was no resolve after multiple attempts so I filed a dispute with Wells Fargo on XX/XX/XXXX. 

XXXX XXXX, better known as XXXX XXXX did nothing to assist and neither did Wells Fargo. 

I was told Wells Fargo does not cover claims since I paid on my free will and my card was not mis-used since XXXX XXXX payments are made by the person. 

The CFPB filed a lawsuits in XXXX against XXXX XXXX for depriving consumers of access to their funds or failed to adequately address customer concerns regarding fraud and errors in a manner that is unfair in violation of Sections 1031 and 1036 of the Consumer Financial Protection Act, 12 U.S.C. 5531, 5536 ; or ( 2 ) failed to follow the requirements applicable to resolving errors and liability of Case XXXX Document XXXX Filed XX/XX/XXXX Page 1 of 10 PETITION TO ENFORCE CIVIL INVESTIGATIVE DEMANDS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumers for unauthorized transfers in a manner that violates Regulation E, 12 C.F.R. Part 1005, Subpart A, implementing the Electronic Fund Transfer Act, 15 U.S.C. 1693 et seq., principally 12 C.F.R. 1005.11 and 1005.6, or 12 C.F.R. 1005.18 ( d ) and 1005.18 ( e ).

According to the Electronic Fund Transfer Act, in the event of theft or loss, and more than 2 business days of reporting the incident to the financial institution there is a maximum liability of the total sum.

Please assist with this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit Bureaus XXXX and XXXX stated that my accounts were properly investigated but how can that be possible when the information shows that the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. These are grounds for these accounts to be removed as they are violating my rights under, the following LAWS.

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 : States a consumer reporting agency can not furnish an account without my written instructions. 

Also the credit bureaus and the creditor have taken more than 30 days to complete there investigation to which no documentation was provided as I requested, the credit bureaus and the creditor have both verified these accounts without providing any proof or documentation. 

Both credit bureaus have instructed me to contact the creditor for proof of verification documents as to why and how these accounts have been verified. The creditor has refused to furnish me any documents proving verification of accounts as well as the credit bureaus. 
there is no proof being provided these accounts must be deleted.
Product: Credit card or prepaid card

USAA Bank won't let me cancel my " automatically '' renewed Credit Card they just sent to me in the mail via phone conversation because I have a new phone number. They can't verify my identity over the phone without me having to upload my digital Government ID. I am having trouble doing this and they won't make it easy. Protection? This is credit card that I want " OFF '' of my credit reporting because I " NEVER '' use it anymore and they are making it " UNNECESSARILY '' difficult.
Product: Credit card or prepaid card

I recently bought a prepaid card and i am unable to set up the card because someone is stealing my identity n the questions they are giving me are not places ive ever lived or people ive known so im unable to pass the identity check and cant set up my card
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly collections on the following : XXXX XXXX XXXX/XXXX XXXX XXXX, Account number XXXX, Amount Due : {$4900.00} XXXX XXXX XXXX Account number XXXX, Amount Due : {$1100.00} XXXX XXXX XXXX/XXXX XXXX XXXX, Account number XXXX, Amount Due : {$720.00} XXXX XXXX XXXX, Account number XXXX, Amount Due : {$330.00} ( Please see pages 3, 4, and 5 of the attached credit report. ) I have also attached a copy of the NOTICE OF DEBT from XXXX XXXX dated XX/XX/2019. This bill is not only incorrect, it was sent to a family Members address, but has my name listed. This is a complete violation of HIPPA. In addition, this attempt to collect these debts are completely bogus. I have now, and have had in the past, medical insurance coverage. There was never a gap in my insurance. This is clearly a billing issue and is not my fault that the medical facilities never billed correctly. I did not incur these outstanding balances, nor do I owe these outstanding balances. This incorrect reporting of collections is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove these items however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I just looked over my credit report, which seriously XXXX  me since I discovered items that your firm failed to verify were true, erroneous, suspicious, and unverifiable.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681e ( c ), as well as the Fair Credit Reporting Act, all information on my credit report must be 100 % correct. These accounts violate Code 1681i ( 5 ) by not reporting information that is 100 % correct. I've included copies of every letter you sent below.
Product: Credit reporting or other personal consumer reports

I am writing regarding the collection account that appears on my credit report. I recently became aware of this account listed on my credit report, and I am requesting validation. The account is listed below : LVNV FUNDING LLC Original Creditor Name XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$920.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX andI am submitting this complaint to dispute the fraudulent information from my Credit Report. Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to Experian, XXXX, and XXXX Credit Bureaus was dated XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, section 605b, which states that the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$780.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$1500.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$23000.00}