23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Discover Bank, I have not received a validation response to my request for verification on the debt. A card member agreement is not proof of debt. For account ending in XXXX you have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : 1. Name and mailing information of the debt collector ; and 2. Name of the creditor to whom the debt is owed ; and 3. Account number ( if any ) associated with the debt ; and 4. An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and 5. The current amount of the debt as of when the validation notice is provided.

None of the above were provided to me.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : 1. THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR 2. VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT 3. ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT 4. ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to Haddad v. Alexander, Zelmanski, Danner & Fioritto, PLLC, 13-2026, 2014 WL 3440174 ( 6th Cir. July 16, 2014 ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. 
Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report. Do not report my account as disputed without verification of what I am requesting. 
Thank you for your immediate cooperation.
Product: Credit reporting or other personal consumer reports

I was a victim of a data breach and I just want my credit to be corrected so I can get back on with my life thank you
Product: Bank account or service

I tried to make an online purchase with my Chase debit card. It was declined 3 times even though I had the funds available. I then made the purchase with a XXXX XXXX, but the next morning the Chase charge went through. I called Chase to cancel the transaction with them, and they have the gal to tell me I need to prove to them I made the purchase on another one of MY accounts in order for them to return MY MONEY to ME. Customer service representative was very rude and yelled at me during my call.
Product: Debt collection

XXXX XXXX XXXX  is reporting unpaid medical debt on my XXXX report which is inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need these to be removed right away! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS ARE NOT MINE THESE ACCOUNTS ARE FRAUD. 

XXXX, XXXX XXXX  ACCOUNT # XXXX XXXX, XXXX XXXX ACCOUNT # XXXX XXXX, XXXX XXXX XXXX ACCOUNT # XXXX XXXX, XXXX XXXX ACCOUNT # XXXX XXXX, XXXX XXXX  ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported Late payment in XX/XX/year>XXXX  when it was not late. Due to XXXX XXXX  my automatic draft did not cover because I was in XXXX but made the payment within 4 days. It was not late. Also XXXX is showing no data for XXXX, XXXX and XXXX of XXXX  and they need to show on time because payments were on time I have proof as well as deferment signed by myself and them. THEY NEED TO PUT THE CORRECT DATA IN AS PAID ON TIME. Putting no data due to a deferment hurts my credit, they need to ADD PAID ON TIME FOR XXXX, XXXX AND XXXX, XXXX. I HAVE DOCUMENTATION AND IF YOU DO NOT REMOVE IT I WILL SEND THE SAME DOCUMENTATION THAT YOU HAVE SHOWING THIS. For the XX/XX/year>XXXX  REMOVE AND DELETE THE LATE.
Product: Prepaid card

I made a debt purchase at XXXX. I decided to return the purchase but did not have my debt card I used to pay for it. They informed me as long as I used a debit card the refund should go through fine. Netspend reporded the return as fraud. I emailed them the receipt I had as proof it was a transaction I did yet they claim to be unable to release my money. Their claim is that my only option is for the store to certify the return and the netspend will send them funds ( reverse return ). Store claims this is not an available option once the merchandise has been returned. I have been going back and forth with Netspend for a year now to close my account completely. I have run out of options and patience.
Product: Credit card or prepaid card

To Whom it May Concern, I am writing in regard to my original complaint, XX/XX/XXXX. In my original complaint, I communicated that I was told my transfer did not occur. I asked for the recording to be reviewed, because I was told time and again the transfer showed it did not happen, and that all of the fees should be returned to me. I waited for this to be corrected. I was assured by the management team on the phone that they were working to achieve this. So I waited. As interest accrued on my account, I was concerned ; which I communicated on every call. Now, because I was told this was going to be corrected, {$3800.00} worth of fees, and interest were assigned to my account I asked that the calls be pulled, and listened to, in an effort to have the facts confirmed, as this was a conversation in each call. In the letter dated XX/XX/XXXX from the office of the president, it states my call could not be substantiated. Moreover you will find a letter for a bank transfer we completed on XX/XX/XXXX for a completely separate 0 % transfer, from Barclays. I never received a letter like this for the transfer I am disputing. 

I had to go through the action of closing my account, just so I could capture confirmation that every call is recorded. You will read ( and hear ) in the call I recorded that there are notes stating I was told this was an error. 

Not only is Barclays withholding the interest in the amount of {$3800.00} ; they held a {$34000.00} over payment from my company for 7 weeks. They would not allow me to utilize the credit, nor did they return the finds in a timely manner. I had to call every week for seven weeks to receive my money back. During each call, I was told a different story. This is scribed, and included in the audio I am attaching. 

I have scribed the conversations supporting my claim, along with the recorded conversation. 

In fact, there was a supervisor I named in my original report, XXXX who confirmed on XX/XX/XXXX I would receive my money back. You will hear XXXX on the recorded audio stating every single call is recorded. This would include hers on XX/XX/XXXX. 

I continued using my Barclays business credit card, and as I charged, I would pay the balance I charge in full. The interest accrued is all from the transfer that I was told should not have happened. 

There have been several news stories, where banking facilities have taken advantage of consumers. I would like to have my interest back. I should never have had to pay it. The bank should have, after listening to all of my calls ; simply refunded this. 

I own a small business, and am completely shocked that a large banking facility would work so hard to undermine a consumer by misleading them, so they can capture interest. 

Respectfully, XXXX XXXX XXXX
Product: Debt collection

I am filing an urgent complaint against XXXX XXXX XXXX, recently rebranded as Aargon Collection Agency, for egregious violations of the Fair Debt Collection Practices Act ( FDCPA ). This agency has consistently failed to provide the required legal proof of the alleged debt, which includes the original contract bearing my signature and a comprehensive chain of title. 

Despite clear directives to halt all collection efforts until such validation is provided, and explicit instructions not to report the debt to credit bureaus, Aargon Collection Agency has acted in complete defiance. They initially removed the debt from my credit reportacknowledging the disputeonly to audaciously re-report it without furnishing any of the requested documentation. 

Enclosed you will find copies of the dispute letters I sent, complete with return receipts as indisputable proof of their receipt. I also include photographic evidence of their name change, underscoring their questionable operational transparency. 

This agency 's willful neglect of statutory requirements and their direct impact on my financial integrity demand swift and forceful action. I urge the CFPB to intervene immediately, to enforce adherence to federal laws, and to safeguard my consumer rights from such predatory and unlawful practices. 

Your immediate attention to this serious matter is not only crucial for my case but pivotal in upholding the integrity of consumer rights protection. 

Thank you. 

Sincerely, XXXX XXXX
Product: Debt collection

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Dept of Ed : # XXXX XXXX/Dept of Ed : # XXXX XXXX/Dept of Ed : # XXXX XXXX/Dept of Ed : # 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 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.
Product: Student loan

A company named Navient started sending my husband and I multiple letters a week saying we both owed them money for school loans. My husband does n't go to college so he filled out a fraud complaint with Navient and they said he did not. Then, they kept calling and sending up to 10 letters a week. Two days ago, another company XXXX XXXX XXXX called and stated they were calling for Navient. I told them that Navient was a predatory company, that I was still in school and I had no verification of having a loan with them. Yesterday, we got two letters from XXXX that stated my husband was a co-signer on a loan that I had from 2007, but I was not in school in 2007. I would like to warn other students to avoid this company and I need help to find out if they have a loan with them which I would consolidate with a reputable loan servicer.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I alway check my credit report with XXXX, XXXX XXXX and never has issue with collection claims. 

I never receive a call, letter in mailing from this company Amsher Collections until when i recieve a notification from XXXX XXXX, XXXX about collection account which impact my credit. 

i never has a relation with this company and they never call me to offer a negotiation but they send this information to the bureaus entities to hurt my credit score affecting me to request an eduction loan. 

please remove this credit report from all three or more entities bureaus then I could apply again for eduction loan. 


This company never notify me to have the opportunity to dispute the charge or negotiate. 

I try to call and respond to a woman. When I asked, she asked me for information about who the company is, the reports, the amount, and the date. I also requested that I give her my debit card to charge {$2.00} USD to get the report from the bureau ... then this was weird to me and a scam. 

They don't follow the normal procedure that make all collections companies when a client has small issues. 

in addition, do you think that i will allow to affect my credit score with a collection report for an amount which has been reported instead of pay in full please fix this and report this company for bad procedures which affect me right know.
Product: Student loan

I was in forebearance and my loans were reported as 90 days late on my credit report for no reason. They were never reported as 30 or 60 days late. I now have negative credit because of the wrong information.
Product: Checking or savings account

I have had the last four if my paychecks stolen right out of my account my credit card company payments have gotten sent back to me going against my credot in ehich i am trying very hard to fix also am losing everything in my storage and possibky geetting evicted from my apartment due to someone or bank error not sure which one and the worst if it u cant even call or get a hold of anyine at current to let them know what is going on .Iam so devestated by these thefts and im atill fetting no where with current bank i cant beleave what a crock of shit of customer service they have unbeleavable.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>2024 I received a phone call. The name that came up was XXXXXX/XX/XXXX ( I do not have an account there ). The person ( who spoke without an accent ) informed me that someone had tried to open an account with my information. Once I informed them it was not me, they then told me the person had hacked my XXXX account and was trying to make two transfers. 

In order to reverse these transfers, I had to follow his instructions which were to enter the amount and " send '' money ( he said that's not what I was doing, even though it seemed that way ) with a special code in the memo. The code was several numbers. I did this from both my checking and savings account and ended up losing {$2100.00}. This was just about everything I had at that time. I do not remember getting the " extra warning '' that I was sending to a new recipient, etc. 

It should be noted that at this time, I was a few days home from aXX/XX/XXXXXXXX and on major pain killers. The person on the line asked me if I had spent some time in the last week on public wifi, which I had in the hospital ( I believe they knew I had recently gotten out of the hospital ). 

I should have realized this was a scam immediately, but with the pain meds and the fact that I had indeed just spent much time on public wifi, I didn't catch it. But I realized as soon as I hung up. 

I went immediately to my bank ( Citizens ). They told me they would look into it but didn't think they would be able to help. I also filed a police report, about which I have heard nothing. I got a letter from Citizens stating that I had been denied and they would not return any of the money. 

I called, waited on hold for over and hour to speak to a " manager '' who rudely told me that I had authorized the transfer and despite the way the scammers played on me and despite my highly medicated state, they would re-evaluate, but again they didn't think they could help me. They said they would send me another letter with their decision, which they never did. I have heard nothing since and have given up on trying to recover any money. I am REALLY hoping you can help. Thank you.
Product: Debt collection

Perfection Collecton took over a debt that XXXX originally had. I explained to Perfection Collection that I never signed a contract with them or XXXX for a security system. I also condacted XXXX  to let them know the same thing. This is a debt for {$1500.00}. Upon asking them for method of verification that I signed a contract and gave my information, as well to let me know the service address that XXXX was used for, neither company was able to produce it and refuse to delete it from my credit.
Product: Debt collection

I am a victim of identity theft. I provided a police report with the case number to all 3 credit bureaus in XX/XX/year>. All three credit bureaus refused to remove accounts. I did not authorize any accounts to be opened in my name. I have been saving to purchase a home for myself and my kids. I am having a hard time providing a roof over my kids head because of these erroneous accounts.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) and I noticed some late payments posted on my consumer report. 

This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

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

On XX/XX/XXXX I sent dispute letters where I disputed incorrect/unknown items on my credit report. It's going on day 55 and I haven't heard anything back yet regarding these incorrect/unverifiable items on my report. I'm sick of this, this has negatively impacted my family for the past few months. Everything is in shambles, I feel like I'm being ignored and played with and won't take this any longer I'm in distress. In section 611 it is stated that a failure to investigate the items I've disputed within that 30 day time frame is a reason to remove those items IMMEDIATELY. I demand these items be removed immediately or I will be filing litigation for for the stress you have caused me and my family.
Product: Credit reporting or other personal consumer reports

I filed bankruptcy. XXXX XXXX  reposed vehicle yet still has loan showing on transunion credit file. I disputed report yet XXXX XXXX reports debt as valid and delinquent. XXXX XXXX has also filed case with bankruptcy court to be compensated for loan. They have been calling and mailing letters to my home illegally attempting to collect money from me while bankruptcy proceedings are on going. I request that they remove all negative reports on my credit file and stop harassing me since I have filed bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I worked for XXXX XXXX XXXX XXXX from XXXX. XXXX was created after I left thecompany. I was never billed for such service. The collection company is awareand broke the law and reported on my equifax file without sending me a 30 days notice. 
I have disputed with Equifax XXXX times online .Equifax has never verify this account. 
I never had such bill. I would like Equifax to verfiy. Equifax is reporting it as unkown billfor unknow service.
Product: Credit reporting or other personal consumer reports

After reviewing my dispute results, Ive noticed that there is still XXXX XXXX. 
XXXX XXXXXXXX items listed on my credit reports. 

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The original creditor in this case would be the XXXX XXXX  XXXX. 

The XXXX courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 

XXXX has provided an dispute on my behalf and confirmed that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the XXXX XXXX XXXX system due to the Fair Credit Reporting Agency PRIVACY LAW. 

The credit reporting agencies, ARE BREAKING THE LAW AND ARE COMMITING FRAUD validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ) An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information. 

Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. 

You, the CREDIT REPORTING AGENCY and your fraudulent activity and continuous violations are causing me great injury as you are preventing me from receiving credit to support and sustain my family.