23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Here 's a sample debt validation letter based on the Fair Debt Collection Practices Act ( FDCPA ), specifically referencing 15 USC 1692 : -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX Subject : Request for Debt Validation Dear LVNV FUNDING LLC/ C/O RESURGENT, I am writing to request validation of the debt referenced in your recent communication dated [ insert date of the communication ]. This request is made pursuant to my rights under the Fair Debt Collection Practices Act, 15 USC 1692, which entitles me to request written verification of any alleged debt.

Please provide the following information regarding the debt : 1. The amount of the debt.

2. The name of the creditor to whom the debt is currently owed.

3. A detailed explanation of how the debt was incurred.

4. Documentation that verifies your right to collect this debt, including any agreements or contracts.

5. A copy of the judgment ( if applicable ). 

Until I receive the requested validation, I dispute this debt and request that you cease all collection activities. Please note that you are required by law to provide this information, and failure to do so may result in the cessation of all collection efforts. 

Please respond to this request at your earliest convenience. You may send the validation to my address listed above. 

Thank you for your attention to this matter. 

XXXX XXXX [ Your Name ] -- - Feel free to modify any parts of the letter to better suit your situation. It's important to keep a copy for your records and send it via certified mail to ensure you have proof of your correspondence.
Product: Credit reporting or other personal consumer reports

The Fair Debt Collection Practices Act ( FDCPA ) is a federal law in the United States that governs the behavior of debt collectors and protects consumers from abusive or unfair debt collection practices. Here are some key provisions of the FDCPA : 1. Communication : The FDCPA restricts the times and places debt collectors can contact consumers. They can not call before XXXX XXXX or after XXXX XXXX unless the consumer agrees otherwise. They also can not contact consumers at their workplace if they are aware that the employer prohibits such communications. 

2. Harassment and Abuse : Debt collectors are prohibited from engaging in any conduct that is meant to harass, oppress, or abuse consumers. This includes using obscene or profane language, making threats of violence, or repeatedly calling with the intent to annoy.

3. False or Misleading Representations : Debt collectors can not use deceptive or misleading practices to collect a debt. They must accurately identify themselves, the debt they are attempting to collect, and provide information about the consumer 's rights.

4. Validation of Debts : Upon request, debt collectors must provide consumers with written verification of the debt, including the amount owed and the name of the original creditor.

5. Cease and Desist : Consumers have the right to request that debt collectors stop contacting them. Once a written request is received, the debt collector can only contact the consumer to confirm they will cease communication or to notify them of legal action being taken.

FDCPA applies only to third-party debt collectors.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX, XXXX XXXX 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 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 on my accounts 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. 


XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX 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

This is the several times I've complained about being a victim of identity theft. You must remove these items that 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 information relating to any transaction by the consumer. 
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 XXXXXXXX XX/XX/XXXX
Product: Debt collection

The XXXX  account was sold to XXXX XXXX I returned phones that were part of this account they will not give me credit. There is no one to speak to all XXXX.
Product: Credit card or prepaid card

On Wednesday XX/XX/XXXX I had several transactions taken off of my card from a suspicious location in XXXX, XXXX. Upon getting the notifications I attempted to contact Netspend whom I use for all of my banking needs and the automated system indicated I needed to call back in the morning. I called in the morning and another transaction went through as I was explaining to the representative what happen. The representative informed me he would reverse the charges and i would receive a new card in the mail. I called today XX/XX/2022 to make see how long it would take to reverse only to be told by another represents that it was nothing they could do. I live in XXXX, Indiana. I have never been to XXXX XXXX and I dont know anyone in that country. I didnt give anyone permission to use my card or my account and Netspend dropped the ball by allowing multiple transactions to go through in which {$1100.00} was taking off of my card with no phone call or no block on the card. Netspend expects me to wait on them to give my money back when if they had a 24 hour phone number to dispute transactions the card wouldve been blocked right then and there. Netspend s customer service has dropped the bell and I want my money back.
Product: Mortgage

Midland Mortgaged REDUCED payments for three months to {$92.00} due to economic hardship. I made the reduced payments of {$92.00}. They in turn reported the payments late which negatively and drastically effected my credit score by XXXX points. 

I called on XXXX, XX/XX/XXXX and XX/XX/XXXX and have not received written acknowledgment that this was a mistake, despite several customer service agents verbally saying so. 

Midland Mortgage needs to accurately reflect the status of my mortgage payments. 
Payments were made on time for the months they reported late. Payments received after the XXXX  of the month are late. In the history of my account, I have never made a late payment.
Product: Debt collection

We mailed a letter to the debt collector in regards to a debt in the amount of {$2200.00} on XX/XX/2022. Attempting to resolve the debt, we requested a written letter sent back agreeing to our resolution or offering a different resolution. We received multiple phone calls although we asked for a written letter as the only form of communication. After receiving multiple phone calls from the company, we gave them several months to send the correct form of communication. On XX/XX/XXXX we sent yet another letter requesting they only mail us in regards to this communication while proposing yet another resolution. They received the letter this morning and are calling yet again to attempt to make contact. We specifically said they can only contact us by mail and included the mailing address in both letters yet we are still receiving phone calls and no letters sent back to us.
Product: Debt collection

Apartment Manager in the state of XXXX apparently do not do any background checks or check for proper ID when leasing apartments. I received a credit alert from XXXX of debt owed for XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. I have never lived in XXXX, XXXX and would appreciate if the state of Colorado would do a better job of screening their potential tenants. This debt is in the amount of {$6300.00}. I have all three of my credit reports locked since 2021 and I still do not understand how these criminals keep accessing my information! I also have my credit locked with XXXX XXXX. I also have identity theft protection with XXXX XXXX XXXX and XXXX and it is a mystery how my information is able to get past all of my security locks. The company trying to collect is COLUMBIA DEBT RECOVERY LLC DBA GENESIS. I am very tired of placing police reports which seems like every 3 months. This process is exhausting and I would appreciate if the state of Colorado would do their jobs!
Product: Debt collection

On XXXXXXXX XXXX XXXX I sent Midland Credit a debt validation letter pursuant the FCRA for them to validate and provide proof of this alleged debt. I noticed it on my three credit reports and disputed them, XXXX and XXXX took them off immediately However, XXXX did not, as Midland credit sent it back to them as Verified. Since then, I have sent multiple letters to midland credit with no response back and it has been 2 years now with no resolution, The only thing I have received from Midland has been a notice of pre legal status threating that I may be sued. Another blatant violation of the FCRA and FDCPA ; since debt collection must cease until the debit is validated. They have failed to meet their burden to a debt that I do not owe. See attached letters and certified receipts. I asked for certain info that simply they can not provide.
Product: Debt collection

Capital One is engaging in harassment in order to collect a debt. I have been receiving excessive calls and texts daily and multiple times throughout the day. This constitutes unreasonable/unwanted contact.
Product: Debt collection

This Debt is Past the Statue of Limitation ( 7 years ) the date of discharge is XX/XX/15 I had this Debt removed because it is past the 7 year date of closing of account. I am being harass by this Company thought unfair tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to add the freezes to XXXX, XXXX and experien   and get my free credit report and they wont give it to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I found out that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} ; CHLD SUPP VA XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

Experian closed this account with again one of the longest explanations that again are ridiculous THIS PREDATORY COMPANY STEALS PEOPLE 'S HISTORY FOR PROFIT As requested FORWARDED TO THE F.T.C.AND D.O.J
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Experian several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries.
Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX- XX/XX/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 XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting act XXXX XXXX XXXX Account XXXXXXXX XXXX, has violated my rights. 
XXXX XXXX XXXX  Account XXXXXXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 

XXXXXXXX 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 XXXXXXXX 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied for a mortgage and found out that XXXX XXXX XXXX was reporting a collection account for a XXXX XXXX credit card debt. I have NEVER had an account with XXXX XXXX ever. I have disputed this account with all 3 credit bureaus over 4 times now as well as with XXXX XXXX. I have sent certified letters asking for proof of this alleged debt and all they have sent me was a couple of XXXX XXXX statements not showing anything that was actually purchased. The balances on the statements they sent me do NOT match what they are reporting to the credit bureaus either. I am filing this complaint against XXXX, Equifax, XXXX and XXXX XXXX. This is my last effort to resolve this erroneous account before i send this to my consumer protection attorney to sue them for FCRA, FCBA, FACTA and FDCPA violations.
Product: Credit reporting or other personal consumer reports

Details of my complaint : XXXX attempted to obtain a pay day loan @ Check n ' Go. 

I was told that I was denied due problems with upgrades to the new system & to wait about XXXX days before I could re-loan. ( I had just paid off a previous loan a few days prior to going in, & had to wait to reloan until the XXXX of XXXX ). On this day I reached out to Check n ' go at a different location spoke to XXXX XXXX & asked if they were indeed having problems. She said yes & that there were others experiencing problems as well & she would add me to the list to call me back when things were fixed. 

On XXXX rec 'd a call from that Rep. I went in to obtain a pay day loan. She stated that a lot of my information was off due to system upgrades apparently. At no time was I told that a " hard inquiry '' would be conducted nor was I told that my credit report would be pulled. ( If I would have known I would not have approved, I am currently working towards improving my score w/ several agencies to purchase a home ). I rec 'd my payday loan in the amount of $ $ $ like I normally have for the past several months. 

After leaving I started getting alerts regarding Check n ' Go hitting my credit report w/an hard inquiry. I reached out to the rep that I had just rec 'd my loan from & she said that she would reach out to the feedback line. She had know idea why they would pull a hard inquiry & asked if my credit score took a hit. On the same day XXXX I Called Check n ' Go @ the feedback line spoke to rep, he stated that I applied for an " Exact Loan '' I told him that's not true, he then took my complaint. Again, I notified my customer rep where I had just obtained the loan & she stated no you didn't apply for an Exact Loan only payday. 

Reached out again on XX/XX/XXXX spoke w/ another employee @ the office where I obtained the loan, she stated she would notify her district mgr. & let me know. In addition to speaking to the noted employees I took it upon myself to file a complaint as well w/the Check n ' Go feedback line On XX/XX/XXXX, & XX/XX/XXXX and I have contacted them since on XX/XX/XXXX, XXXX, and XXXX of XXXX to no avail. One rep even said I would receive an email that day, another told me my case was pending & the other 's told me that they could not see anything and would send my case # to corporate. 

In addition to all of this the company sent a XXXX card to an address that I lived @ over XXXX years ago a week ago. I never requested a XXXX card.
Product: Debt collection

IC Systems is reporting a collection to the credit bureaus that was the result of identity theft. I have never done business with XXXX and/or IC Systems. The acct # is XXXX for an alleged {$200.00}. This collection account is fraudulent and extortion. I sent IC Systems a cease and desist letter that was delivered XXXX. USPS tracking # XXXX. As of today 's date, the fraudulent collection is still on my credit report. It is causing me harm and damages as I have been declined a small business loan due to the item being on my credit report.
Product: Mortgage

I closed a mortgage loan with this company. I was not only delayed 5 days, during which time I was rendered homeless, but I was also unnecessarily charged {$810.00} at closing to " buy down '' my rate. Though the official Closing Disclosure which was reissued to me on XX/XX/2018, it wasn't explained to me that I was being charged .375 % of loan amount for " points. '' The lender, XXXX XXXX, sandbagged my loan though I explained on XX/XX/2018 that serious circumstances existed which may affect my ability to qualify. Instead of advising me at that time that they would not be able to fund me, that it might affect my rate, or that my closing date might need to change, we moved forward unbeknownst to me that my loan was in trouble. We didn't have a substantive dialogue until XX/XX/2018 around XXXX ... 3 hours after I could officially terminate and receive my Earnest Money back under the auspices of not being able to qualify for the loan. Again, if customer service would have been stronger and very important details would hvae been communicated to me during the mortgage process, I would not have been blind-sided by their charge. On XX/XX/2018 they informed me of their proposed " new rate '' of 5.5 % which, to me given the fact I'd disclosed the change in financial circumstances, was a money grab by Guild Mortgage plain and simple. 
I am especially disappointed in XXXX XXXX, the branch manager. He blamed me for the loan not closing and laughed at me when I told him that Guild Mortgage should pay for my hotel expenses due to his company 's inability to fund me on time for closing : XX/XX/2018. Instead of reassuring me that we would close the loan as soon as possible and to the best of their abilities, he told me it was my fault that the loan wasn't closing on time - I explained that I had told XXXX XXXX about the circumstances which had changed which could affect the loan closure and he remained adamant it was my fault. Along the way, I voiced my complaints about their business to both XXXX XXXX at the district level and XXXX XXXX VP at corporate..to no avail. Their customer service is terrible and consumers need to know how they conduct their business, especially about their confusing fees which are revealed at the closing table like my {$810.00} charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX  are all breaking the Law. You can clearly see they have false information and inaccuracies on my credit profile. I have been challenging these items for months and all to no avail. I have never had any account that they are reporting in my dispute letters and never have I ever had an account with XXXX yet they are reporting.