23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Capital One Debt Validation Request Account Number : XXXX I am writing to verify some information I have discovered on my consumer report that is violating my rights. I am requesting that you provide me with proper documentation to validate this debt in accordance with the Fair Credit Reporting Act ( FCRA ). 
Under 15 USC 1681, Section 602, I have the right to privacy. In accordance with my rights under these laws, I request that you cease and desist all collection activities related to this debt and remove it from my credit report within 14 days of receiving this letter. Should you fail to comply, I will initiate debt validation methods. 
For my debt validation methods these are the things I would require from you. I would require the following information : 1. Proof of Agreement : Provide a copy of the original contract or agreement with my signature indicating that I agreed to this debt.

2. Bonding Insurance : Provide evidence of the bonding insurance you have as a collector ; in case I choose to pursue further legal action.

3. Chain of Title : Provide documentation showing the chain of title for this debt from the original creditor to the current collection agency.

4. Debt Details : Provide the date and the amount of money that I officially became in collection with your company.

Until you provide all of the above information, this debt remains an alleged debt, and I do not acknowledge any responsibility for it. I expect your prompt and complete response within 14 days.

Failure to provide the requested information will leave me no choice but to pursue all available legal remedies under the Fair Credit Reporting Act, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel.

Thank you for your immediate attention to this matter.
Product: Debt collection

BRIDGECREST, Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. Please send me a certified copy of your license to collect in the DISTRICT OF COLUMBIA. If you purchased this as a debt collections device to make money as a debt collector, thank for paying off the bill. You have 10 to respond with a statement of account with a XXXX balance and remove any and all unlawful on my credit report. Failure to respond in 10 business days is acceptance and your failure to cure your dishonor will receive my NOTICE AND DEMAND for XXXX in damages for violations to include : Fraud, Extortion, Denial of Right to Happiness, Dishonor in Commerce, Collusion, Racketeering, Conspiracy, Intimidation, Defamation, TILA violations, FDCPA violation.

In accordance with the UCC laws, all Commercial Transactions must be recorded with the Secretary Of State.

Also According to the UCC 11 search, I the Consumer do not have any Liens/Debt in my name.
Product: Money transfer, virtual currency, or money service

I am selling a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the customer service 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, they dispute resolution was unfair deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am very disappointed that despite my persistent efforts to dispute and rectify these issues, it appears that the inaccuracies persist, particularly the account named XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXX ), being removed and re-added multiple times, specifically on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I don't know what else you need from me to prove that this account has been charged under my name without credible proof of validation. I didn't even sign any contract agreement with this collection department. I have had no physical contact with them and was not aware of their presence until their names appeared on my credit report. 

I want to bring your attention to the following derogatory items : 1. XXXX XXXX - Account XXXX This account has been paid off, yet discrepancies exist in the reported dates of the Last Active and Last Payment. Inconsistencies like these raise questions about the accuracy of your reports. Life circumstances, such as a family member 's critical condition, can impact payments, and I urge you to consider the human aspect in these situations. Despite previous removals, the account keeps resurfacing. 

2. XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) - Account # : XXXX I have no knowledge of this account and have never entered into any contractual agreements with the collection department. Its multiple removals suggest a lack of validation and verification, yet it persists on my credit report. 

3. XXXX - Account # : XXXX This account displays discrepancies in reported dates and amounts, similar to other accounts. 

4. XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # : XXXX The " last active date '' is inaccurately reported, further highlighting the inconsistency in the information provided. 

5. XXXX - Account # : XXXX This has shown faulty reporting due to some mistakes in a two-payment history. They have reported it Charged off in XXXX and fully paid in XXXX, and still they continuously furnish such accounts despite its obvious error in their reports. 

The following collection accounts has failed to provide the following documents I need : 1. An Official Contract Agreement : I have not seen even one signature on the billing statement that they have provided. No sworn agreements and contracts were included ; they only provided me with a plain billing statement. How can that be considered valid proof if there is no signature on it? 

2. Proof of Licensing : Where are their furnished documents that demonstrate their status as a licensed debt collector with the legal rights to collect debts, both within and outside my state area? THERE's NONE! 

3. Transaction History and Payment Records : How can they substantiate that this billing statement is mine if the address written on it is incorrect?
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the REMOVING of the erroneous information which is being posted to my report. 
XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX BALANCED {$740.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXXXXXX XXXX XXXX BALANCED {$2000.00} XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXXXXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$21000.00} XXXX  XXXX XXXX XXXX {$490.00} XXXX  XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXXXXXX BALANCED {$560.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank of America XXXX XXXX. Cashiers Check Lost in Mail! 
Would like someone to call me and reach out. 
My purse was stolen. Shortly thereafter, I received a letter in late XX/XX/2023, stating my account had been closed due to suspicious activity. I understood. I had a little over {$4900.00} in the account. A check was to be mailed XXXX XXXX XXXX. It has yet to reach me. Im moving and need my money. I called Bank of America, spoke to XXXX in fraud, very helpful. I went to the bank, they researched the check had supposedly been sent XX/XX/2023. I have yet to receive it. That is all the money I had in the bank. I need it to be overnighted and I will remove this negative comment afterwards.
Product: Credit card

We purchased a Pursonic electric toothbrush on XX/XX/year> via the online website XXXX XXXX XXXX with our USBank XXXX. 

Upon receipt on XX/XX/year> we noticed the electric toothbrush would not power up and would not hold a charge. The Pursonic electric toothbrush was defective/damaged. 

We spoke with Pursonic customer service about the defective/damaged electric toothbrush and they advised us we was a 30 day guarantee on the electric toothbrush from the day we received it ( XX/XX/year> ). 

We mailed back the defective/damaged XXXX XXXX toothbrush via UPS tracking XXXX XXXX and it was signed for by XXXX on Tuesday, XX/XX/year> at XXXX West XXXX XXXX, New York XXXX New York XXXX XXXX 

We disputed the {$53.00} charge directly with USBank since we have been unable to successfully get a refund processed from XXXX. 

We filed disputes regarding the {$53.00} Pursonic charge with USBank on XX/XX/year>, XXXX via Customer Service Representative XXXX and on XXXX via Customer Service Representative XXXX. Each time the dispute case XXXX XXXX does not actively pursue a refund as requested each time. Very frustrating. We are very dissatisfied with USBank 's handling of our dispute with XXXX. 

We are due a {$53.00} Pursonic credit on our USBank XXXX.
Product: Debt collection

I have an unverified account from Calvary Portfolio Services, LLC. I have previously disputed this account. I have never done business with Calvary Portfolio. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt they purport I owe.

Cavalry Portfolio Services , LLC has reported a collection on all 3 credit reporting agencies onXX/XX/XXXX & XX/XX/XXXX. I sent registered letters to Cavalry Portfolio Services , LLC requesting validation of debt for their account # XXXX to the address listed, on XX/XX/XXXX andXX/XX/XXXX, with an improper response validating this account, no competent evidence bearing my signature to properly validate this alleged account has been received.

Again they failed to provide the information I requested. Instead, they sent letters dated XXXX & XXXX   requesting that I provide : " specific information that I was disputing and an explanation of the basis of my dispute ''.

I have requested that Cavalry Portfolio Services , LLC, verify the following information : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Cavalry Portfolio Services , LLC is unable to provide the above identifying account information, this account must be deleted from all 3 credit reporting agencies. This account is effecting negatively on all 3 credit reporting agencies. I have already notified all 3 credit bureaus regarding this issue.

The agency insufficiently met it's statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency ; nor ( 2 ) provide me the account 's the date of last activity.

I have not now, nor ever had any contractual obligation or arrangement with Cavalry Portfolio Services , LLC.
Product: Credit reporting or other personal consumer reports

My account with DEPT OF EDUCATION/XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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. 

DEPT OF EDUCATIONXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX was made aware of the identity of theft, fraudulent usage of my SSN, Phone number, address and email address on or around XX/XX/year>. I was notified that my contact information was in several data breaches, including Equifax, XXXX, XXXX and XXXXXXXX XXXX XXXX. There have been XXXX XXXX XXXX XXXX accounts opened in my name, XXXX XXXX XXXXXXXX XXXX XXXX  addresses associated with my SSN, XXXX XXXX TX lease and several notifications that Banks are accessing my report to open bank accounts. For these reasons my credit score has dropped drastically and I am being presented and displayed in a negative light. I have attempted to contact the Apartments that hold the lease who advised management has changed several times and they only have the electronic lease without my wet signature as verification. I advised them of the identity theft and they advised there is nothing they can do. I have attempted to dispute several times to no avail.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$220.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX {$980.00}, XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX {$570.00}, XXXX XXXX XXXX {$320.00}, XXXX {$100.00}
Product: Credit card or prepaid card

On XX/XX/2XXXX XXXX accidentally charged my credit card ending in ( XXXX ) {$2000.00}. I'm saying it is a mistake, the vendor is saying its a mistake, but the vendor is unable to undo the charge on their end for the full amount. 

Bank of America has had this for 3 months, ( REF # XXXX ) has not refunded my money up front which they have done in the past ), and still have not processed this. 

I want this corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX : XXXX 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 take 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 any 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

Hey i looked up my credit report and find fraudulent account on XX/XX/XXXX and sent letter them on XX/XX/XXXX to reinvestigate these account XXXX  XXXX  XXXX open date XX/XX/XXXX account number ( XXXX ) XX/XX/XXXX they sent me letter thet their investigation was completed and the account is accurate and complete I looked my report but everything still the same and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modiy that tem or inortation, as appropriate, based on the results or the reinvestigation ; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
and according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
I see they really did not reinvestigation they said they did something they did not do and I have evidence to prove my case Account name XXXX XXXX  XXXX Open date XX/XX/XXXX
Product: Credit card

I received a denial for credit extension from ( mention the card company ). The reason provided was incredibly unbelievable, unethical, and confusing. The card company noted that the reason for denial was " too many recent applications, '' which is like saying, " We don't like you. '' However, this reason doesn't make sense as they did not deny me the right to extend credit via information from major credit bureaus. I want to bring to their attention that approximately six months ago, they granted me an account that was paid off and unused, which was closed due to inactivity. The application number for the same is XXXX.
Product: Money transfer, virtual currency, or money service

I reported a loss package to XXXX, 3rd party delivery company ( XXXX ) involved in this transaction reported this delivery was damaged and returned back to the seller. the amount of this package was {$7000.00} ordered on XX/XX/2022. This transaction was made by my Wells Fargo debit card/checking account. I've tried to get a refund from both parties XXXX and my bank Wells Fargo. I have been rejected by them both for no clear reason why!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the lawXXXXXXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX ; NXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$250.00} ; ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$270.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX