23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Yesterday, I received an unsolicited Visa Debit card in the mail from Cash App ( XXXX XXXX  ). I explored this online and found that this has occurred to many people over many years and is a widespread concern. I tried to call the Cash App number on the back of the card but they were closed ( If they are running a finance company ( and especially one with apparently inadequate safeguards ), then they MUST be required to provide a 24-hour security service ). I eventually got though to their representatives today after long waits and twice was disconnected. ( I was in a strong cell service zone, showed 5 bars, and did not move during the call ). I suspect they are using off shore contact centers with inadequate telephone/VOIP ) infrastructure. This too MUST be corrected. Both operators gave me different advice ( one said she would cancel the card while I waited but dropped the call after XXXX mins and before completing this. The second operator said I would need to complete some online paperwork and send photos of the card, but dropped the call before sending me the email and links. He called me back. ( The company MUST have well-trained operators and provide them with a set protocol to handle fraud- especially recurrent and apparently widespread fraud ). I received no email confirmation that my submission was received, and- as a result - no advice on what next steps were or how I would be notified that the problem was eliminated or at least mitigated. The company MUST communicate immediately and completely with all victims of fraud ). I also placed a credit freeze via the 3 major credit reporting agencies. CASH APP should consider some compensation for the time and inconvenience of all victims of fraud permitted or at least not mitigated by their company protocols. Thank you
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) is collecting for a medical bill that I informed them that I already paid it. We had/still have medical insurance. I paid the remainder balance that my insurance did not pay ( my portion ) and I should not owe any thing else. Telling them this constituted a dispute. They did not provide me with any documentation that I actually owe it and just reported it on my credit report. It's {$94.00}. So my 40 year near perfect credit history is now ruined over this? I think the last 40 years shows if I owed it and knew it I would pay it. Then XXXX puts it on my credit after knowing that I disputed the charge. This is wrong. Give me a statement or some documentation to show I owe it and give me an opportunity to pay the alleged debt if in fact I do owe it. I don't believe I do and there should have been some effort to validate this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report notes an open XXXX XXXX XXXX  credit card that I didnt open. It also noted late payments despite my previously perfect payment history.
Product: Debt collection

To Whom It May Concern, I am writing to formally request that you cease all collection activities related to the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you stop contacting me regarding this alleged debt.

The reasons for my request are as follows : 1. **Validation of Debt** : I request that you provide validation of this debt, including the original signed contract and a detailed account history. If you are unable to substantiate this debt, you must cease collection activities immediately and remove any negative information from my credit report. 

2. **Disputed Debt** : I dispute the validity and accuracy of this debt. Continuing to pursue collection without proper verification is a violation of the FDCPA. 

XXXX. **Harassment and Inconvenience** : The frequent communications regarding this debt have become harassing and disruptive to my daily life. 

Please treat this letter as a formal notice under the FDCPA to cease all further communication with me and to cease all collection efforts regarding this debt. This includes phone calls, letters, and any other form of communication. Failure to comply with this request may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or legal action. 

I appreciate your prompt attention to this matter and expect written confirmation that you have ceased collection activities. 


by this means I am contacting you to ask you to desist and stop sending me documents with accounts that you purchased, to try to collect alleged debt, I currently collect not enough to pay that type of debt and you are taking away my peace of mind, I just got divorced and I'm going through a bad situation and you are interfering with my peace.
Product: Credit reporting or other personal consumer reports

Greetings Everyone. TransUnion has victimized me a second and third time regarding my identity theft status. Its certainly my right to request a block or deletion of fraudulent information from my credit report and also stop a company from reporting information resulting from identity theft. Now, The Fair Credit Reporting Act outlines the rights that identity theft victims, and for those who certainly believe they are victims, have. The XXXX XXXX XXXX accounts, XXXX XXXX and XXXX XXXX XXXX should be removed effectively given it's fraudulent nature. Thank you.
Product: Debt collection

I was called at work to be informed that a company had sealed documents to deliver but they had an old address. They gave me a phone number to call,  XXXX and a case number  XXXX . This was regarding credit card debt from many years ago. All of my debt was legally discharged in a Chapter  XXXX  Bankruptcy Filing in Arizona with the  Federal Bankruptcy Court i n  XXXX   2016 . The collector said i was about to be sued  ( even though my debt was discharged ). I gav e them my attorney 's information and will report them again if they try to contact me after this. They refused to give the name of their agency and just gave me first name  XXXX , then someone named  XXXX   XXXX . Other websites identify the phone number as   XXXX   XXXX   in New York
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit freezes should be free after a company that uses my information as a product for personal gains with no recourse ends up leaking all of my info that I have no way to secure or opt out of.
Product: Debt collection

MIDLAND CREDIT XXXX XXXX, MI XXXX XXXX Subject : Request for Verification of Debt Dear MIDLAND CREDIT XXXX I am writing to formally dispute the validity of the debt referenced in your collection notice reported on XXXX XXXX which states that I owe {$5200.00} for Account number XXXX account number or creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with verification of this debt. 

To assist in the verification process, please provide the following information : XXXX. The amount of the debt : A detailed breakdown of the total amount owed, including any fees or interest. 
XXXX. XXXX XXXX : The name of the original creditor and any account numbers associated with the debt. 
XXXX. Proof of Ownership : Documentation that shows you have the right to collect this debt on behalf of the original creditor. 
XXXX. Payment History : Any records that indicate payments made toward this debt, if applicable. 

Please send this information to me at the address which you should have. Until I receive the requested verification, I ask that you cease all collection activities related to this account, as required by law. 

If you are unable to provide the requested verification within 30 days, I expect that you will remove this collection from my credit report and cease all further attempts to collect the alleged debt. 

I request that you provide me with validation of this debt, including proof of ownership and the original agreement. Until this is provided, I ask that you cease all collection activities related to this account. '' Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX to 18 USC 8, I do not owe this debt. Additionally, this company is violating my consumer rights to privacy under 15 USC 1681b ( 2 ) and does not have permission to report any information using my personal data in accordance with 15 USC 1681a.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

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 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 XXXXXX/XX/XXXX
Product: Debt collection

SOURCE RECEIVABLES MNG Original creditor : XXXX {$1800.00} Balance updated XX/XX/2021 This company Source Receivables MNG never approach me in an email, through the USPS, or any other method of notification that I need to respond to a debt that was given to them by XXXX. I got notifications on all credit reports today XX/XX/2021 that I had a new collections account on my credit report. I want this removed, I am willing to pay a portion of the debt in the amount of 10 % of the total amount equal to {$180.00} and it be removed without the statement of settled or any other language, completely removed. 

Thanks in Advance, XXXX XXXX
Product: Debt collection

I previously filed a complaint against this comapny wit the consumer financial protection bureau. The complaint number assigned was XXXX. After the company sent a response, you closed this complaint. However since their response is missing information I need to file a new complaint. Portfolio recovery attached copies of credit card statements that have two addresses that I never lived at. The first address they have for me is XXXX XXXX XXXX, XXXX XXXX. XXXX, FL XXXX. The other statement shows this address : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX FL XXXX. None of these addresses are mine, and this is the reason why I previosuly requested from Portofolio to get me a copy of the signed credit application. And instead they sent me statements. Statements ca n't help me get to the bottom of this and this is why I demand that Portfolio Recovery requests the original creditor to provide the copy of the signed credit application. I see on those statements that there appears to be payments made to that credit card. Portfolio should also ask the original creditor to provide copies of the forms of payments received such as copies of the checks received, copies of any money orders they received or copies of online forms of payment which eventually contains the bank account name and address of the person that made those payments.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inclusion of a bankruptcy entry on my credit report, which I believe is inaccurate and has not been properly verified. 

This information is incorrect because I have never filed for bankruptcy. I am requesting that Trans Union conduct a thorough investigation into this matter and provide me with documentation or proof of verification that supports the validity of this entry. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute inaccurate or unverifiable information on my credit report. Specifically, Section 1681e ( b ) requires credit reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' The inclusion of an unverified bankruptcy on my report violates this provision. 

Furthermore, Section 1681i ( a ) of the FCRA mandates that credit reporting agencies must conduct a reasonable reinvestigation of disputed information within 30 days and remove or correct any information that can not be verified. Courts have consistently held that credit reporting agencies must take reasonable steps to ensure the accuracy of reported information. For example, in *XXXX XXXXXXXX Trans Union XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  the court emphasized that credit reporting agencies can not rely solely on automated systems or unverified data and must take meaningful steps to investigate disputes. 

Additionally, in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX  ), the court ruled that credit reporting agencies have a duty to correct inaccuracies and can not simply rely on furnishers of information without conducting their own investigation. 

Given these legal precedents, I request that TransUnion : 1. Conduct a thorough investigation into the bankruptcy entry and provide me with a detailed description of the procedures used to verify its accuracy.

2. Provide copies of any documents used to verify the bankruptcy.

3. Remove the bankruptcy entry from my credit report immediately if it can not be verified.
Product: Bank account or service

State Farm Bank is not allowing me to aggregate my data from other bank sites/portals where I manage my finances. For example, I manage my personal finances from sites such as XXXX XXXX and XXXX XXXX XXXX. These sites offer personal financial management tools and seeing all of my financial sites in XXXX location is beneficial to me. I recently learned that State Farm Bank is blocking a financial aggregator which powers these online portals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed credit reporting agencies about unknown address of XXXX XXXX XXXX, XXXX, XXXX Plus also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my address. Also I retired on XXXX XXXX XXXX on XXXX XXXX2014 from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, California.XXXX.XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX  XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you
Product: Credit card

ATTN : Executive Response Unit ( Office of the President, Citibank/Citigroup ) *Via XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FROM : XXXX XXXX RE : Second Attempt to Resolve Debt Issue Dear Office of the President, Citibank c/o Best Buy : I mailed a letter ( below, herein ) to your office 1-month ago ( dated XXXX in my files ) in hopes of resolving a debt that I believe has been paid in full years ago. I have been suffering from unemployment throughout the Covid pandemic, only recently regaining full-time employment, XXXX later. As I expressed to the phone rep, I feel that the exorbitant and lengthy repayment plan was agreed to under duress. 
Since the plan was set up, I have been more recently hit with a home foreclosure lawsuit and a Notice of Deficiency tax bill from XXXX, both of which are active and ongoing. I am enclosing proof of unemployment status for XXXX XXXX and XXXX via DC Govt. tax statements that I downloaded from DC.gov as additional proof of extended hardship ( attached, PII : SNN redacted ). 
Again, I am asking for financial relief from this ongoing burden. I hope your department will agree to relieve me from this ongoing debt that I feel was paid off years ago.
Product: Debt collection

Dear Madam or Sir, A fraudulent collection report was posted to my Credit Report Bureau on XX/XX/2021, on behave of XXXX  company for a charge of the amount of {$59.00}. 

I did not sign up for any services with XXXX  in 2021, and I've never received any communication regarding that charge. In addition, the collection report has an incorrect address. 

The company that reported the collection report is CREDIT MANAGEMENT - XXXX XXXX I have submitted dispute reports with the collection company and the Credit Bureau to remove the collection note from my credit report. 

Thank you so much.
Product: Debt collection

I have a a unverified account from I C SYSTEM INC. I had previously disputed this account. I have never done business with I C SYSTEM INC Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt I C System INC purport I owe. I request that I C Systems INC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that I C System lNC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identiy theft. In pursuant of the FCRA section 605b I am in need of the removal of the following fraudulent items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX, # XXXX Has violated my rights XXXX XXXX, Has Violated my rights XXXX XXXX, Has violated my rights XXXX XXXX, Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting 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. 

Account Name : XXXXXX/XX/XXXXAccount Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> TransUnion XXXXXX/XX/XXXX XX/XX/year> 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.