23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXXXXXX XXXX ; I am writing in response to your recent communications and actions regarding an alleged debt that you claim to have purchased from XXXX. As you are aware, under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have certain rights that protect me from unlawful collection practices, including unauthorized access to my credit reports. 

Under the FDCPA ( XXXX XXXX. XXXX ), you are required to provide validation of the debt upon my request, including evidence that you have the legal right to collect this debt. To date, you have failed to provide sufficient validation of this alleged debt. The credit card agreement you provided between myself and the original creditor does not constitute a valid contract between myself and your company. I have no contractual obligation or agreement with Triverity and therefore, you do not have the right to collect this debt from me. I refuse to pay. 

Additionally, I have discovered that you have accessed my credit reports without my consent or permissible purpose. Under the FCRA ( 15 U.S.C. 1681b ), a party may only access a consumer 's credit report for specific permissible purposes, including but not limited to, an existing credit relationship, a court order, or the consumer 's consent. Your company does not have a valid contract or agreement with me that would establish such a permissible purpose. 

Your claim that you have the right to access my credit reports based on an agreement between myself and the original creditor is invalid. You, as the debt buyer, do not have a direct contract with me, and my relationship with the original creditor does not automatically transfer to you. Therefore, your access to my credit reports constitutes a violation of the FCRA. You also do not have my written explicit consent, or consent from any Court to communicate with me in any form, which includes communication via credit reporting, or pulling my personal private consumer credit profile. 

I request that you provide proof of any permissible purpose that would justify your access to my credit reports. If you fail to provide such proof, I will pursue all available legal remedies. 

Failure to comply with my requests within 30 days will result in further legal action to protect my rights under the FDCPA and FCRA. 

I look forward to your prompt response and the immediate correction of your actions.
Product: Credit card

I am writing to bring to your attention an issue concerning a recent transaction made on my M1 credit card powered by XXXX. On XX/XX/2022, I utilized my credit card to pay for services provided by XXXX XXXX XXXX. However, subsequent to this transaction, it has come to my attention that XXXX XXXX XXXX has filed for bankruptcy, rendering them unable to fulfill the services for which I have paid. 

Transaction Details : Date of Transaction : XX/XX/2022 Transaction Amount : {$1900.00} XXXX  Merchant Name : XXXX XXXX XXXX  Description of Services : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were never fully rendered : teeth alignment was never corrected, XXXX XXXX were never sent, and XXXX  were not shipped despite the purchase agreement stating these services would be rendered. 

Given the circumstances of XXXX XXXXXXXX 's bankruptcy, I find myself in a position where I am unable to obtain the services for which I have already paid. As a result, I kindly request that you facilitate a refund for the transaction amount to my credit card account. 

I understand that according to M1/Deserve 's policies and consumer protection laws, I am entitled to seek reimbursement for transactions that were not fulfilled due to circumstances beyond my control, such as the bankruptcy of the service provider. 

I have attached relevant documentation, including proof of transaction and evidence of XXXX XXXX 's bankruptcy, for your reference and verification. 

I trust that you will handle this matter with urgency and fairness, and I appreciate your prompt attention to this issue. Please inform me of any further steps required from my end to facilitate the refund process. 

Thank you for your cooperation and understanding. 

Sincerely, XXXX XXXX Bankruptcy case information : XXXX XXXX XXXX
Product: Debt collection

Naver got contacted and tried to collect around {$300.00} from me claiming they tried to contact the other lease holder for the apartment adding interest cause i havent lived there in several months. Showed up just recently when i was attempting to pull a car loan and made my credit go from XXXX to the XXXX
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) 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 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I set up an AutoPay for my mortgage with XXXX XXXX through my XXXX XXXX XXXX checking account via their website. This AutoPay should of paid the XX/XX/2021 payment. XXXX XXXX did not post this autopayment and subsequently sent to the credit agencies a delinquent payment notice. 

XXXX XXXX sent a late payment notice dated XX/XX/XXXX, which I received on XX/XX/XXXX, and I quickly called XXXX XXXX customer service and spoke to XXXX, ID XXXX. He informed me that XXXX XXXX did not credit my account with the AutoPay for either XX/XX/XXXX or XX/XX/2021 payments. He did not have an explanation why XXXX XXXX did not post the AutoPay since he saw that the AutoPay was set up on XX/XX/XXXX. He did remove the late fee for their error, however. That day I had XXXX XXXXXXXX XXXX make two payments for XXXX and XXXX 's mortgage payments which brought my account current. 

During this period, I have been applying for a new 12 month construction loan with XXXX  XXXX XXXX, Idaho. They informed me that my credit scores have dropped over a 100 points because of this delinquency from when they gave me the initial credit approval to the final mortgage approval, and that the interest rate for the final 30 year loan will have a big hit on interest rate that they can provide. With this news I applied with XXXX XXXX for this construction loan. They declined my mortgage request because of this delinquency. 

I have sent two certified letters to XXXX XXXX Dispute Department, XXXX New Jersey, on XX/XX/XXXX and again on XX/XX/XXXX to dispute this delinquent mortgage payment. I just received their response in the mail on XX/XX/XXXX where they declined my request to withdraw the credit notice to the credit reporting agencies. It took almost 7 weeks for them to respond. I requested a phone call to discuss their error, which they ignored. This error will cost me significant financial harm if not corrected
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial 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 their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and regulation 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

DATE : XX/XX/XXXX / XXXX NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX CONTACT : ( XXXX ) XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX. 

Re : Dispute of Account Status - Account with XXXX XXXX, Reported by XXXX. XXXX XXXX XXXXXXXX Dear XXXX, I am writing to dispute the status of an account reported by your agency, XXXX. XXXXXXXX XXXX XXXXXXXX, regarding a transaction with XXXX XXXX. According to your report dated XX/XX/XXXX, the account status is marked as " Paid, '' which is accurate. However, I have concerns that need to be addressed to ensure my credit report accurately reflects the closure and satisfaction of this account. 
Account Details for Reference : Original Creditor : XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$72.00} Date of Last Payment : XX/XX/XXXX Status Date : XX/XX/XXXX Balance Date : XX/XX/XXXX While I appreciate that the account status is correctly listed as " Paid, '' I want to ensure that there are no discrepancies in how this account 's payment history or status is reported to credit bureaus. The account 's resolution is crucial for maintaining the accuracy of my credit report and my overall financial health. 
Therefore, I kindly request : XXXX. A detailed account statement reflecting all transactions, including the payment that satisfied the account balance. 
XXXX. Confirmation that this account has been reported as " Paid '' to all three major credit bureaus ( Equifax ) but not reported to XXXX, and XXXX along with the date of this reporting. 
XXXX. Assurance that no further reporting will inaccurately reflect the status of this account, given its full settlement as of XX/XX/XXXX. 
Your prompt attention to this request is greatly appreciated. I hope to resolve this matter swiftly to avoid any potential negative impact on my credit score due to reporting inaccuracies. 
Please send me a written confirmation of the actions taken in response to this letter within 30 days of receipt. Should you have any questions or require further documentation from my end, do not hesitate to contact me at XXXX or XXXX Thank you for your cooperation and understanding. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, my credit report have been pulled up by these companies without my authorization nor consent and this has hurt my credit. I have contacted Equifax and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Product: Credit card

I placed an order online on XX/XX/XXXX amount is XXXX and tracking information shows shipping from XXXX XXXX XXXX California . But seller told me it was out of stock and it will ship from XXXX. Then i request seller to cancel it because i cant wait that long and i move soon. But seller not cancel it and shipped it. It takes more than XXXX weeks for shipping and i moved back to California then package was delivered but Im not there any more. I contact PayPal and tell agent all the truth and also upload screenshots of all the conversation email with seller to PayPal .buXXXX PayPal denied my dispute claim because it said package delivered. But the problem is before i told seller i move soon and not able to received the package. Hope can get help for this issue. Thank you so much
Product: Checking or savings account

ON XXXXXXXX XXXX  MY DEBIT ACCOUNTS WERE HACKED. AS A RESULT, UNAUTHORIZED CHARGES OF {$12000.00} WERE MADE. 
CHASE BANK REFUSED TO PAY BACK TO MY ACCOUNTS. 
I REPORTED PROBLEMS ON XX/XX/2021 AND CHASE BANK DID NOT DO ANYTHING.
Product: Checking or savings account

My name is XXXX XXXX XXXX XXXX a few months ago I opened two accounts checking and savings, in the city of XXXX, branch llocated at XXXX XXXX XXXX, for work reasons I moved to the state of Nevada. I sent a letter addressed to the branch manager, asking to close both accounts and sent me the checks to my new address, XXXX XXXX XXXX XXXX XXXX Nv XXXX. 
I wait 3 weeks waiting for an answer and I decide to call directly to the bank, I spoke with different people about my situation.At the first time they told me the checks they had sent to my old address. I called to my landlord to see if she has an envelope from TD Bank she said no never got anything in the mail. 
Days later I called back again to the branch, to tell them the letter they sent me was missing. The second call I made to them, They said they never got any letter from me asking to close my accounts, so I asked why the first time when I spoke to them, they told me the checks were sent to the address registered in my account. 
Finally, the people at that branch told me to call customer service number, because they can not do anything there, I been really patient calling to customer service, the same way they told me I have to talk directly to the bank because the decision has to take the branch manager. 
I spoke 3 times with customer service asking to help me to resolve this situation. They were supposed to send emails to the branch manager waiting for answers. 
I can not believe this bank treat customer this way, because I'm XXXX? at that branch they pretended not understand what I said, they even transferred to someone who spoke XXXX. The same way I explain to that person in XXXX he did do anything. 
I feel discriminated against with all people I spoke in that branch, just to claim my money.
Product: Mortgage

We are currently buying a home - scheduled to close XX/XX/2017. Someone falsified the Title Company ( XXXX XXXX ) email requesting a wire transfer and sent us an amount {$100000.00} and bank information for the closing cost. I initiated the wire based on this email. It was discovered today XX/XX/2017 after business house that the email we received was fraudulent. The funds have been wired from our account and no one is available at the title company or the bank fraud department until Monday.
Product: Mortgage

I have been overcharged for escrow for several years. As a surving spouse of a XXXX XXXX I receive exemption from property taxes. Due to the incorrect tax amount approx. XXXX a month I was assessed on my monthly mortgage I became delinquent. I worked with my local tax assessors office to get there records to reflect my VA exemption then I provided the new bill to XXXX. Yet I continue to be charged monthly for a tax allocation. For over a year I sent paperwork requesting assistance. I asked to have some type of plan to pay back the correct amount due over time or put toward the end of the loan. I wa denied the only option I was given was to surrender my house. 
Currently I am in foreclosure. I have lived in my home for 26 years and want to remain here. The original mortgage servicer was XXXX this company had me send thousands of documents over 18 months worth. After continuous prolonging XXXX was replaced by Shellpoint they determined I did not qualify for any modification or payback program because my payment would have to be reduced once the program was over. I explained again to the new company Shellpoint that my monthly payment did not reflect the correct tax assessment and that alone would reduce my monthly payment. I have the income to pay but they want the entire balance even though the amount is incorrect. Shellpoint and XXXX have been negligent in servicing my loan. I want my mortgage taken out of Foreclosure and my tax removed from monthly bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Account Name : XXXX XXXX Account # XXXX Account # XXXX and Account # XXXX is reflecting inaccurate information I have disputed the following account with the Creditor as well as with XXXX, EXPERIAN, and XXXX and the account is still being reflected on my credit report with inaccurate Dates, Payment History, and Balances. This is in clear violation of my RIGHTS and FCRA ACT and LAW. I would like for this account to be Removed and Deleted from my Credit Report and Credit File. I have not given written consent to have this account on my credit report and would like for it to be DELETED from my credit file and report immediately 15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable Information
Product: Debt collection

I pulled my credit report and noticed that Equifax only was reporting a Medical Bill collection on my account. The date listed was XX/XX/2019 in the amount of {$550.00} by a company called Medical Data Systems INC in XXXX FL. I have no recollection of this Medical Bill and contacted XX/XX/XXXX to dispute the Medical Bill and find out more information. XX/XX/XXXXrefused to remove it and said I had to contact the collector. I contacted the collector, Medical Data Systems INC., at phone number : XXXX. After review of the account, the address they had on file was incorrect and never was my address ( same street and home number but totally different city and zip code ). I then informed them of the incorrect information and asked for This to be removed from my credit report. I also sent in a notarized letter to both XX/XX/XXXX and Medical Data Systems INC with my most recent bank statement and my drivers license to prove my addresses at : Medical Data Systems INC XXXX. XXXX XXXX XXXX FL XXXX XX/XX/XXXXXXXX XXXX XXXX. XXXX XXXX XXXX GA XXXX I still have not heard from either company and request that this be removed immediately.
Product: Credit reporting or other personal consumer reports

Despite my many attempts to rectify this matter, the late open and charge off accounts continue to negatively impact my creditworthiness and financial standing. It is disheartening to see that this unknown inquiry persist on my credit report, despite my repeated efforts to have them correct or removed. As a responsible consumer, I am committed to maintaining an accurate credit profile, and the presence of these accounts entries undermines that goal. I am reaching out once again to request urgent action to address this matter. I kindly request a thorough investigation into the inaccurate accounts on my credit report and immediate action to have them correct or removed. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the repeated failure to address this issue. Please help me correct or remove these accounts immediately : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$34000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX. XXXX XXXX XXXX XXXX : {$1200.00} - The number of late payments is incorrect. I never missed a payment. 
Please adjust immediately. 
XXXX. XXXX XXXX XXXX XXXX : {$1300.00} - Please check the XXXX XXXX and XXXX information on this account and adjust accordingly. 
XXXX. XXXX XXXX XXXX Balance : {$16000.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 
XXXX. XXXX XXXX Balance : {$0.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 
XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Product: Checking or savings account

I was told, by an influencer that they had a big lawsuit. I want my portions, so they said to make a complaint with Wells Fargo. When I was married, money constantly came up missing and all the fees we paid.