23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

NOTICE OF REQUIREMENTS XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Subject : Formal Notice of Debt Validation Requirements Account # XXXX, XXXX Notice to Principal is Notice to Agent Notice to Agent is Notice to Principal Dear Midland Credit Management, This letter serves as a formal request for validation of the debts referenced above, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This is not a refusal to pay but a request for proper validation and documentation of the claims. 
You are hereby notified of the requirement to provide all relevant documentation in your possession that substantiates the debts and my liability, including but not limited to : 1.The original contract or signed agreement between XXXX XXXX and XXXX XXXX XXXX 
2. The promissory note, if applicable.

3. Truth-in-Lending disclosures and closure disclosures.

4. Documentation of any transference contracts or proof of assignment of the debts.

5. XXXX, XXXX, and XXXX filings related to any associated investment portfolios. 
6. Payoff statements and documentation of any security interests

in investment portfolios. 7. Copies of IRS forms ( W-9 , 1096, 1099-S, 1099-A, and 1099-OID )
related to these accounts. 
8. A detailed statement of the debts, including the principal, interest, fees, and other charges. 
9. A consumer statement, if applicable. 
10. Verification of your claim or ownership of the debts, including legal authority to collect them. 
For clarity and compliance with accessibility standards, I also request : A description of the language and grammar system used in your documentation. 
References to the dictionary utilized for technical terminology. 
A legend for any symbols present in your documents. 
Upon receipt of these documents and verification of the contractual agreement, arrangements for payoff can be discussed. Additionally, provide any policies your company has regarding the transfer of accounts to a trust, should that be applicable. 
In accordance with Public Law 111-203, Title X, 124 Stat. 2092, and 15 U.S.C. 1692g, you are required to respond within five ( 5 ) business days of receipt of this notice. Failure to comply will constitute acknowledgment that no contractual agreement exists or that the debts have been satisfied in full under 15 U.S.C. 1692g ( a ). 
Thank you for your prompt attention to this matter. 
With regards, XXXX XXXX XXXX : XXXX XXXX Bank
Product: Credit reporting or other personal consumer reports

Dear CAPITAL ONE, Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer, may have given you, written, unwritten, verbal, and nonverbal Per 15 USC 6802.

ACCOUNTS : Capital one auto {$5400.00} closed, Capital one {$350.00} Closed, Capital One {$990.00} closed,
Product: Credit reporting, credit repair services, or other personal consumer reports

Last time I checked, companies are supposed to inform me before putting negative information on my credit report. Besides the fact that I have no idea who the company below is, this company has just put stuff on my credit report without even warning me about it.I ask that get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX  XXXX
Product: Debt collection

My insurance was cancelled with this company when they stated I owed them. The new company that I had insurance with sent them documentation showing when my insurance started. I contacted them via phone call requesting that they remove this collection due to the fact I had insurance coverage with another company so I did not owe them. But its been almost 5 years and they are still trying to collect this debt and tarnish my credit report with this false collection
Product: Debt collection

I am more than willing to Settle any legitimate debt in which I lawfully owe under the following terms and Conditions that you or any authorized representative of ADMIN RECOVERY , LLC provide me with true and correct, Certified Copy ( or copies ) of the Original ( XXXX ) of the following : A. Provide Validation of this alleged Debt which clearly shows/illustrates that I, XXXX XXXX XXXX XXXX total amount you or representatives of ADMIN RECOVERY , LLC is claiming include an original or certified copy of the Assignment contract or agreement supporting your claim. 

B. Provide an original copy of a signed contract or agreement between XXXX XXXX and ADMIN RECOVERY , LLC. 

XXXX Please send me a detailed Account statement that includes all transactions related to this debt, including the original creditors name and contact information. 

XXXX If you acquired this debt through assignment, please provide documentation that confirms your authority to collect this debt on behalf of the original creditor. Please include a detailed breakdown of the account fees, interest, and other charges that have been added to the original balance. 

XXXX Please provide your license number signifying that you or ADMIN RECOVERY , LLC are/is qualified and registered to collect consumer debt in South Carolina .

F. Provide me with your Bonding Company information along with your bond number, bonding company along with the name of your Insurer and all insurance policy information -- in case you cause any damage/ injury upon my person and/or estate. 

XXXX Provide me with a True Bill in Commerce for this account, signed and notarized under penalty of perjury.

H. Please provide full accounting both accounts payable and accounts receivable under GAAPs principles.

Otherwise, I Do Not Consent to be Surety of any alleged debt. I Do Not Consent to be Guarantor of any alleged debt. Please Take Notice that I do not know how you received my personal and private information as I did not knowingly consent to and never gave any bank permission to distribute my name, address, SSN, account numbers nor phone number to any third-party interloper.

Please also take Notice that you or any representative of ADMIN RECOVERY , LLC using and sharing my personal private information without my written consent and permission constitutes as Identity Theft and could lead to a criminal complaint being filed for a civil and criminal investigation as you may have already violated both Federal and State law. 

Please Take Notice this letter/complaint also serves as a Notice to Cease-and-Desist calling me or contacting me by telephone -- - unless you have and produced All of the information above within my Notice and Demand Letter/ Complaint to the CFPB. P.S. I have also included an attachment of a letter of which I received on XXXX of XXXX I have the letter for ADMIN RECOVERY , LLC to clarify, within their presentment or Offer to Contract, before contacting again me, as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this resolve asap ... .My credit has DROPPED further because of this. Status and amount is WRONG.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely concerned about the actions credit bureaus are having on my life ... I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction ... I do not own the following accounts XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX   ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX   XXXX ) XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraud please validate. I told Victoria secret no one can help. Can i have an itemized bill, copy of contract etc
Product: Credit card or prepaid card

On XX/XX/2019, the Citibank Sears Shop Your Way credit card internet system has a notation showing that a payment of {$200.00} was received and there is a confirmation number for the transaction as well. We continue to receive harassing phone calls from the company " attempting to collect a debt '' which is not currently owed since the amount due on the payment was {$150.00} and we paid {$200.00} according to the company 's own system. To deter further calls from the company I scheduled another payment in the amount due ( {$150.00} ) today but they tell us that there is the potential for them to continue calling us for multiple additional days to try to collect the debt. How do I go about stopping this? This can not be reasonably legal under the Fair Debt Collection Practices Act or any other intelligent legislation.
Product: Debt collection

I recently got a collection notice on my credit report from National credit systems for {$11000.00} # XXXX that I have no knowledge of. And I see addresses on my credit report that I never lived at. 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. And several inquiries on my credit report that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening to whom it may concern, As of today, I have called Equifax, XXXX and XXXX several times and have sent them letters disputing violations reporting on my credit profile. I have attached the receipt when I mailed my letters and the actual letters and copy of credit report from XXXX and today. The accounts are the XXXX XXXX and XXXX reporting several inaccuracies across all three credit agencies. This is a FCRA violation, the accounts should be removed and deleted as soon as possible. The agencies have also not given me details on how these accounts was supposedly verified because they did not do an actual investigation by law as they should. On one occasion a representative form Equifax stated that my identification I sent to them was wrong. I feel as if they have tried every effort to NOT solve the issue with this account. Had they done so they would have come across the discrepancies as I have. Also, the reporting of inaccurate information is affecting my credit worthiness and my ability to secure funding for personal and business endeavors.
Product: Credit card or prepaid card

I filed a complaint that was closed yesterday, and there was NO resolution. The representative that responded to you did not do as they said. They attempted to call me exactly one time, from a VOIP number, that when dialed back said the number was not a working number. They sent no email to the address they have on file for me, instead sent me a masked email through this service stating they had made several attempts to reach out to me to gain further information to see what could be done. One phone call is hardly several attempts. The number that they left in the email for the fax contact is not a working number, the phone number goes straight to a voicemail box to which I left 3 messages and did not have a returned call. There were 3 cash advance attempts made on my card on XX/XX/XXXX. Two for XXXX and one for XXXX. All three transactions were declined by the card issuer, however, the funds still deducted from my balance. I called them right after it happened to start the dispute process and sent in my information, along with the batch out report the manager of the establishment gave me showing that no cash advances were processed and no money had been paid out. That was in the very early morning of XX/XX/XXXX as I was on hold for almost 3 hours. I got the fax number from the representative I was speaking with so I could fax the information in right away instead of waiting on them to mail me a form, from dealing with this company before hand with my mother I know how caniving they can be. I received the docutmentation from them on XXXX and faxed the information into them for the second time, just to make certain that there was no way they could say that I did not give it to them in time. According to Regulation E if they are going to take more than 10 business days to investigate then provisional credit must be applied until the investigation is completed. XX/XX/XXXX was the 10th business day and i was told mulitple things by different reps from their company. Today I check my balance to see if I have enough to make an online purchase and I notice that 2 of the 3 charges  were credited back to my account, ONLY to have them deducted again immediatley. They are not following their word, they are violating the law, and I am out almost {$2000.00}. If this can not be resolved by them I have no problem with escelating the situation and seeking private litigation.
Product: Credit card or prepaid card

For XXXX this past year, my parents bought and gave me a XXXX gift card worth {$100.00}. When I tried to use the card, I was told that the balance was {$0.00} even though I had not previously used it. When I called XXXX, they told me that a purchase for {$99.00} had been made at a XXXX XXXX in Florida. I did not make this purchase. Somehow, card information was stolen and used. XXXX told me to file a fraud claim and submit the relevant paperwork ( proof of purchase ), which I did. I was then contacted by Blackhawk Network, who I assume is contracted out by XXXX to handle these types of claims. Even though I had already submitted a copy of my father 's bank statement showing the purchase of the XXXX gift card, Blackhawk Network asked for the receipt. I told them that my father did not keep the receipt. I recently received a letter from Blackhawk Network saying that, because they did not receive the receipt, they " are unable to validate [ me ] as the cardholder. '' ( I already submitted to them a picture of the front and back of the XXXX gift card. ) They said that my request is " considered invalid and no further action will be taken on [ their ] behalf. '' After receiving this letter on XX/XX/2018, I called Blackhawk Network, and the only option is to leave a message ( I can not reach a live person ). They said that my call would be returned within 24 hours. To date, I have never received a call back. Blackhawk Network and XXXX are engaging in unfair business practices and abusing consumers. This is not right, and they should be held accountable.
Product: Debt collection

Security Finance sent me a settlement letter in the mail stating that if I paid XXXX by XX/XX/2017 that they would consider my debt paid in full and notify each credit bureau that my debt was indeed paid in full and they failed to honor that agreement.
Product: Checking or savings account

XXXX XXXX, 2023 my direct deposit from my employer was submitted to my Wells Fargo checking account. My account shows {$0.00}, no transaction. I called Wells Fargo and the automated system addresses an error on their end with direct deposits not credited into accounts due to technical problems. I asked the person I spoke to to verify my direct deposit and was told that indeed my employer did release my paycheck to my Wells Fargo checking account. They would not say when their error would be resolved. I've called 4 times and have yet to get an acceptable answer. Wells Fargo is refusing me access to my money, not even allowing an overdraft as a curtousy for their error. enraged is a vast understatement! The incompetence and lack of customer service is stunning and completely inexcusable. My entire paycheck disappeared, so should wells fargo. cease to exist as a financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company violated covid 19agreement set fourth on XX/XX/2020 advised provide call log and they would rectify since completed 7 times no correction
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX XX/XX/year>
Product: Student loan

when I applied with student loan services to have my loans combined together, I asked them to transfer it to XXXX XXXX XXXX since I had my existing loan of XXXX. Then I called XXXX XXXX XXXX and asked them when my loans are transfer to them just like my existing loan if will go under XXXX  where I don't make any payments and the representative said yes. I was hospitalize a while later and I was in out of hospital and pain medication for about 6 months. two months after I was out I find out that XXXX XXXX XXXX didn't process my loan payment as XXXX and late payments were reported for 120 days. this is incorrect due to my XXXX which I'm still receiving XXXX my payment is XXXX. no late payments should have been reported.
Product: Debt collection

I sent Midland Credit Management this email on XX/XX/XXXX. They still continue to call me. This XXXX XX/XX/25, it was barely after XXXX. I have dealt with this company regard this same debt before. They know it was resolved XXXX years ago, but they continue to harass me. This needs to stop. Email I sent to them below. Please help. XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX ( 2 days ago ) to me XXXX XXXX XXXX This is an automated response to advise you that your submission has been received. This message has been sent by a notification system, please do not reply. 

We have received your inquiry with the following information : Name : XXXX XXXX Last XXXX of XXXX : XXXX Email Address : XXXX Address : XXXX XXXX XXXX XXXX XXXX City : XXXX Zip Code : XXXX State : VA Type : Cease and Desist Removal Description : This account was resolved over a decade ago and I've told you about this before. I am contacting my state attorney general and CFPB about MCM as you keep sending me the same information and disregard the facts. Do NOT contact my phone ever again. Send me an email to XXXX to let me know that you have received this and updated your records. Thank you, XXXX XXXX According to the form that you filled out, you have authorized MCM to send you emails. 

Thank you, Midland Credit Management This communication is from a debt collector. 
XXXX XXXX XXXX Case Number : XXXX
Product: Checking or savings account

Bank of America Account # XXXX In 2014 I opened an account with Bank of America because my Bank in XXXX  had no location here in XXXX. 

About 5 days later Bank of America closed my account and accused me of Check Fraud. I have not been able to open an account in 4 years. 

I have been with my Bank - XXXX for over 35 years and have never did anything fraudulent nor have I ever wrote any bad checks. 

Bank of America accuses me of writing checks to myself in an account that had no funds. This is not true. The bank has clearly over reacted. 

I wrote a check to CASH ... this is a normal process when wanting cash to yourself vs another person. I overdrew the accout by approximately {$7.00} or so. It's been 4 years so I can't remember exactly. But when I realized it I immediately put that money right back in the bank account to cover it. But the bank was quickly to close the account and accuse me of fraud. 

The bank could have talked to me about this before they made such a drastic decision. When they close the account within 5 days the bank owed me money I did not owe them any money. The account was overdrawn by few dollars only for about a day before I made a deposit to cover those few dollars. 

We are talking no more than {$10.00} or less. I would think if I wanted to write fake checks I would write them for larger amount not just a few dollars. 

The situation has preventing me from getting an account anywhere for 4 years now. XXXX wants to charge me {$450.00} to clear the situation up. But I am not paying them that for something I didn't do. 

I would like Bank of America to remove the consumer report and clear my records so I am allowed to get a bank account. 

Bank of America contacted me but letter in 2014 after the Consumer Financial Protection Bureau contacted them. However, I was never able to connect to the person named on the letter - I just kept getting voicemail after voicemail so I never was able to reach out to speak to a person at Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I have a collection account showing when I have perfect credit and pay everything on time and early most of the time. It seems to be a medical bill and I believe my information has been compromised or this is a flat out error on the credit bureaus behalf. Please help me remove this account { XXXX XXXX XXXX } off of my credit report.
Product: Debt collection

Apparently XXXX  XXXX University made a loan to me. I was never informed that XXXX  XXXX was making loans personally ; I was told that it was a XXXX XXXX XXXX. 

That was circa XXXX or so. I graduated in XXXX. During that time I was experiencing chronic homelessness and severe financial difficulties. I made several attempts to address the debt with XXXX  XXXX in XXXX, during a time when I was homeless, unemployed and broke. 

So XXXX  XXXX sent the debt to the Attorney General, who then doubled the amount of the original debt, from {$6500.00} to now almost {$12000.00}. The Law Offices of Robert A. Schuerger Co., L.P.A has threated to sue me and even rudely informed me that the debt wasn't dischargeable in my Chapter XXXX bankruptcy I filed in XXXX, despite the debt being classified as university/institutional debt. 

They have informed me that I will be sued and they will take my tax refunds and garnish my wages and that there is nothing I can do with the debt except pay it. The statute of limitations has since passed for this debt and I don't appreciate the strong arm tactics being employed.