23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Debt Validation Request ACCT XXXX XXXXXXXX Dear XXXX XXXX XXXX This letter is sent in response to the alleged debt referenced as Account Number XXXX. I am disputing this debt in its entirety and request validation under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

Under federal law, you are required to provide verification of this debt. The courts have upheld a debtor 's right to this validation ( see XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which states that a debt collector must provide sufficient documentation to substantiate the alleged debt ). 


To ensure compliance, please provide the following : 1. Documentation verifying that I am indeed the party legally responsible for the alleged debt.

2. The name and address of the original creditor.

3. A complete payment history, including the date the alleged debt was incurred.

4. Proof that your agency is authorized to collect this debt, including a copy of your license to operate in my state. 



XXXX. A detailed explanation of how the amount claimed was calculated, including fees, interest, or charges. 


XXXX. VERIFY THE DEBT by exhibiting Schedules XXXXXXXX XXXX XXXX XXXX XXXX  - XXXX - XXXX Liabilities, XXXX XXXX XXXX - Loans & Leases, XXXX - XXXX - Derivatives and off balance sheet items, XXXX - XXXX - Servicing, Securitization and asset sale activities. 


XXXX. Present an unaltered copy of the original security. 



Please note that failure to provide adequate validation is a violation of the FDCPA, as demonstrated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Additionally, until this debt is validated, you are prohibited from engaging in further collection activity pursuant to 1692g ( b ).

If you are unable to substantiate the validity of this debt, I request that you cease collection efforts immediately and update all credit bureaus to which you have reported this information to reflect that the debt is disputed, inaccurate and unverified.

Please direct all correspondence regarding this matter to the address above. I look forward to your timely response within 30 days of receipt of this letter, as required by law. 


Sincerely, XXXX XXXX
Product: Mortgage

Chase had unilaterally decided not to send me paper statements despite not having my email, based on the most recent statement I was sent. I want paper statements and tried to call them today to state that. Their office was closed and no alternative method was offered to obtain these statements other than calling back ( their hours were not stated so I have no idea what they are. ) To Chase : I do not and will not consent to paperless servicing. Please cease and desist from all attempts to enroll me in that feature. Please immediately restore my paper statements. Please also fix your controls- this is a clear sign that you are unable to properly execute basic mortgage servicing. 

Note that the letter sent has no way to tell Chase that there is a clear error here ( who signs up for e-delivery and doesnt leave an email? )
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates keeps updating an out of date collection that was never mine to begin with and XXXX refuses to remove it or reinvestigate
Product: Debt collection

I bought XXXX auto insurance through XXXX because XXXX gave discount to XXXX executive member, which I have been a XXXX executive member over 10 years. Everything was fine for a few years until I switched my auto insurance company to another auto insurance company. XXXX started sent me letter saying I owed them {$100.00}, I called to find out they said they did not have any record of I was XXXX executive member. I followed the instruction faxing the prove of XXXX executive member to XXXX over 10 times, after I faxed I called to find out if they got my fax, they always said there 's nobody able to see if the fax went through! The customer service DEPT said I should just wait if I got any mail to either confirm or asking for payment. This process was back and fore for over two months and still I kept receiving the bill demanding for the {$100.00}. However, the last statement I received was from collection then I called the collection company, trying to explain my situation. I offered to fax my prove of membership to the collection agency. But they said this was not their responsibility and referring me to contact XXXX to correct it. But XXXX never response if they received my prove of XXXX executive member. The collection agency said their job was to collect the money for XXXX. It became a never ending story.
Product: Credit card

Barclay issued me a credit card that I had no idea existed, I never activated it and of course never used it since I did n't know about it. Got an email stating there was a past due balance, called to figure out what happened and was told a 60-days past due was automatically reported to the credit bureaus. They cancelled the account ( apparently ) and zeroed out the balance, and confirmed it was a bank error. However, they ca n't tell me what they are able to do to correct what is now a negative credit history reporting. They will not get me a letter stating it was ( a ) a bank error ; and ( b ) my credit history with them is in good standing, both things I need to now submit to the reporting agencies. I have spent about 6 hours dealing with this error, because my credit history is excellent and I do n't want this error to ever be reported. They claim that their process is automated and they ca n't do anything about it. I spoke to supervisors who claim that there is no one else I can speak with to get results. 
I just want this corrected immediately, because timing is of the essence. If it is not corrected, then my credit score will go down and it will take months to correct it. 
All of this for a card I knew nothing about, and never received.
Product: Credit reporting or other personal consumer reports

I feel as though XXXX is not doing a thorough investigation. They are letting these creditors report false information. Its hindering me from getting approved from anything. Also I think XXXX has a fraud alert still on my report despite me removing it. Because I cant upgrade my checking account, companys Like XXXX XXXX XXXX are denying me without reason. I disputed credit acceptance and affirm multiple times. For a long time. I provided every detail they needed from me. From police reports to documents sent directly from the companies. Every single time I dispute it remains the same. And Everytime I wonder are these companys paying XXXX off. My problem is with experian because XXXX and XXXX are not reporting. Also credit acceptance has a balance on my report that states {$11000.00} but how if they sold the car for {$500.00} and they want to settle for {$2300.00}. Thats incorrect and needs to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX {$5800.00} BANKRUPTCY CHAPTER  XXXX XXXX {$0.00} BANKRUPTCY   CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Debt collection

On XX/XX/XXXX, Mr. Cooper validated loan number XXXX with a " promissory note '' XXXX that was satisfied from the proceeds of a foreclosure sale on XX/XX/XXXX, that was secured by the " Deed of Trust '' XXXX that was foreclosed.
Product: Checking or savings account

I am filing a complaint with CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit card

I have XXXX credit card accounts with Capital One : XXXX ending in XXXX and XXXX ending in XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I was n't regularly receiving statements from the company. I did move twice during this time period, but i made sure they were provided the correct contact information. As you can see my payment history prior to that period was stellar and has been since then. I made multiple requests to Capital One to update my reports due to the statement issue to no avail. I have even disputed directly with the bureaus who advise the grantor has closed the dispute, which should not be allowed. I am now requesting your help to have credit reaged. Thank you.
Product: Mortgage

I had lost my job in the heat of the pandemic. I was out of work for several months and Mr.Cooper had suggested a deferral program to move our monthly payments to the end of our loan then resume regular monthly payments at any time. 

Grateful for their flexibility we agreed. After about 6 months we were ready to resume payments on our mortgage. We were told by a Mr.Cooper rep that we are still within our window to continue our deferral that we could do so for a full year. Feeling again grateful, we agreed to defer payments again. Until a few months ago we contacted Mr.Cooper to discuss the details of repayment and we learned that deferral was no longer an option for VA loans and that we would need to be enrolled in a forbearance payment plan which doubled our monthly payments. 

-We were never informed by Mr.Cooper of the change and asked if we wanted to continue our deferral. 
-We called multiple times inquiring about our mortgage and getting info to resume payments and assured we were fine. 
-Now the only option is to double our monthly payments or pay a lump sum of $ XXXX. 
-All the blame was passed to the VA and not to Mr.Cooper who failed to inform us of our options sooner. 

This does not seem fair to be provided false information then forced us to agree to increased payments that we can not afford. This causing hardship on our family that is not our fault. No consideration for their responsibility to customers. We have placed our house on the market in hopes of selling to get out of this agreement.
Product: Debt collection

Back in XXXX, I received a letter that says that I owe XXXX {$3600.00}. The problem is that I never started an account with XXXX, nor had the knowledge of it being in my name. Recently, the false debt has been reported to the credit bureaus.
Product: Debt collection

This is not my account. I would like it temp from my credit report immediately.
Product: Credit card or prepaid card

I work for a member of XXXX who was the unfortunate victim of identity theft and the criminal opened a CashApp card using the victim 's information. I mailed a formal dispute with all of the required documents under the FCRA to have to account confirmed as fraudulent to CashApp on XX/XX/22. After no response from CashApp I attempted to call them on XX/XX/22. The first issue is that CashApp will not allow people to wait on hold and will only allow a call back. However, upon their first call back they played a recording stating they're sorry they missed me and disconnected the call. After my second attempt, upon their call back I spoke with a representative who did not provide their name or identifying information. I explained that my member was the victim of identity theft and I needed an update on the formal dispute I mailed to them. The rep asked for the phone number or email on the fraudulent account. I tried to explain to the rep that a criminal will not put the victim 's real phone number or email on a fraudulent account so I don't have that information. The rep claimed he could not help me. I asked for a supervisor and the rep stated he was unwilling to get a supervisor and hung up the phone. Upon my third attempt and call back I spoke with a rep named XXXX. She would not provide any additional identifying information and would not let me know the rep I previously spoke with. I explained the situation and that I would not have the phone or email listed on the fraudulent account, however that I have formally submitted all the documents required under the FCRA to confirm an account as fraudulent and that CashApp is required to confirm the account as fraudulent upon receiving these documents. XXXX put me on hold for some time and then asked for the XXXX tag on the card. I advised I do not have this information either but I could provide the victim 's address, DOB, or full SSN. XXXX refused to take any of that information. I asked for a supervisor again. XXXX refused to provide a supervisor, but said she would have a supervisor email me back. I provided my email address and advised I would be reporting their company to the CFPB. XXXX did not seem to care about that. I did not receive an email from a supervisor. Instead, I received an email from XXXX asking for the same exact information she asked for over the phone. After all of this extremely unprofessional conduct and blatant violations of the FCRA I decided to file this complaint. I have attached the dispute paperwork that I sent CashApp on XX/XX/22 along with the email that XXXX sent me instead of having a supervisor contact me. I would like CashApp to close down the fraudulent account and confirm it as fraudulent. I would also like these reps to be reprimanded on their conduct and for CashApp to change their shady business practices.
Product: Debt collection

Subject : Dispute of Fraudulent Account - Account Number XXXX Dear Midland Credit Management, I am writing to formally dispute the account referenced above, account number XXXX, which appears on my credit report. This account does not belong to me and was opened fraudulently through identity theft. I have never opened an account with your company, nor have I authorized anyone to do so on my behalf. I request that you investigate this matter and remove this account from my credit report immediately. 
Please find attached a copy of my identification and any relevant documentation supporting my claim. I also request written confirmation that this account has been removed from my credit report. 


Thank you for your prompt attention to this matter. I look forward to resolving this issue quickly. 

Sincerely, XXXX XXXX
Product: Credit card

I applied to a Wells Fargo autograph credit card ref XXXX XXXXXXXX XX/XX/2023 I was denied but according to Section 15 of the United States Code ( 15 U.S.C. ) Section 1691 within this title is part of the Equal Credit Opportunity Act ( ECOA ), which aims to prevent discrimination by lenders against credit applicants based on race, color, religion, national origin, sex, marital status, age, or because the receive income from a public assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer and original creditor XXXX XXXX sent letter to credit reporting agency in regards to not having any written consent to report anything on my consumer report. Under 15 U.S 1681b- Permissible purposes of consumer reports In General Subject to subsection ( C ) any consumer reporting may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

No consent is Identity Theft. I demand that these account and inquiries be deleted from my consumer report immediately. 
Account Account Number US Dept ED XXXX XXXX XXXX XXXX Inquiry Inquiry Date XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Debt collection

I requested to speak with a compliance officer and was denied the opportunity. The manager on duty violated third party disclosure laws and gave out my information regarding my debt prior to verification. This was done by XXXX XXXX. I will attach a copy of the recordings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of being approved for an FHA loan to buy a house when someone stole my identity. I had been working on getting my credit in good standings for almost 2 years when this happened. My score dropped from a mid-high XXXX to a low-mid XXXX. I reported it to the credit bureaus, proved it was fraud, it was removed from my credit report but nothing was ever done to change my score back.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX # XXXX has violated my rights. 
According to the Fair Credit Reporting Act, 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, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it. 
According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.
Product: Credit card or prepaid card

I've Applied for A XXXX XXXX XXXX Credit Card several times each time I apply it comes bank Elements Associated with fraud the past three application i called the number listed and asked for reconsideration. Each reconsideration Came bank with the same denial. On or around XX/XX/XXXX XXXX I called and recieved the only denial being Indentifying Information does not verify. Please verify my information with the documents Attached And do a investigation on why your system keeps denying my application and reconsider my application. I have a perfect credit score and believe I qualify for A Credit card please also include The resolution to your investigation and if the problem was resolved and when I can recieve my card or reapply if the reconsideration is unsuccessful with the Credit Report and Information already on hand. I do not approve or don't consent to another inquiry on my credit report unless First bank card can utilize a soft inquiry instead of a hard inquiry as first bank card has my infor.ation less then 30 days old as the date of this complaint. 

Sincerley, XXXX XXXX XXXX
Product: Mortgage

I have a equity loan/2nd mortgage with PNC. My monthly minimum payment is {$290.00} and change and due on the XXXX of the month. I send them {$80.00} a week however, they are not applying The entire payment to the monthly minimum. This has been going on for a few months. This month I have paid {$80.00} on XX/XX/XXXX, {$80.00} on XXXX, {$80.00} on XX/XX/XXXX and {$80.00} on XX/XX/XXXX. That is a total of {$320.00} yet they say I still owe {$110.00} for the payment that was due XX/XX/XXXX. This has been going on since XXXX or before and I am now receiving collection calls
Product: Checking or savings account

On the XXXX of XXXX i went into a Wells Fargo branch and reported my atm card lost/stolen i was then issued a new debit card. On Monday the XXXX of XXXX XXXX in unauthorized checks were deposited into my account. The card that was used was the same card reported lost on the XXXX of XXXX. Wells Fargo allowed them to withdraw funds from my account on a card that should have been closed. Now Im being given a hard time about getting my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint as I 've been informed by Equifax that I am one of the 143 million people who 's privacy data ( social sec, bank accts, etc. ) has been hacked. I am not signing their Credit monitoring as it waves my right to sue, I 'm filing my official complaint against the company as this is unacceptable.
Product: Credit card or prepaid card

Union Bank sent me a letter on XX/XX/2019 notifying us of a change of billing address to a XXXXXXXX XXXX  address. It stated " if this address is incorrect, please notify our office immediately at XXXX. '' I called immediately, and many times after that to get the address updated, but they never changed it. I was also unable to access my account online. It went to collections, but I had no way of verifying what of the charges on the account were mind, and no one would assist. Today I spoke with XXXX XXXX today at a collection agency ( XXXX XXXX. ) and tried explaiing this to him, and he stated he had no way of having me pay off the 'last balance ' that I felt I was responsible for before the fraudulent address change, and could only go by what Union Bank had sent to them. When I called Union Bank 1st, they were no help, and directed me to the collection department who then directed me to XXXX XXXX XXXX XXXX XXXX. I also tried to set up a payment plan, but XXXX was rude and condescending and told me the amount I suggested wasn't good enough.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, Transunioun and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 




XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. ( XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 


The inaccurate reporting of both my account status and payment status by ( XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.