23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Date of Birth : XXXX XXXX : XXXX Date : XX/XX/XXXXXXXX  To : National Credit System , Inc . 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Subject : Formal Debt Validation Request for Account # XXXX Dear National Credit System, This letter is to dispute and formally request validation of the alleged debt referenced above. I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to ensure this debt is legitimate and accurate. 

Required Validation Details Please provide the following : 1. Proof of Debt Ownership : The original signed lease agreement with XXXX XXXX XXXX. 
A full breakdown of charges, fees, and payments contributing to the balance of {$6000.00}. 
2. Proof of Legal Authority : Documentation showing National Credit Systems authority to collect on this debt, including the transfer or assignment agreement.

3. Timeliness Verification : Confirmation that this debt falls within the applicable statute of limitations. 

Cease Collection Activities You are required to halt all collection activities, including reporting this account to credit bureaus, until full validation is provided. Failure to comply will constitute a violation of the FDCPA ( 15 U.S.C. 1692e ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ). 

If you fail to validate this debt, I will escalate this matter to the CFPB, FTC, and Florida Attorney General. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove the fraudulent accounts on my consumer report from XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Please also remove any inquiries associated with these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX   account and the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 3 and 4 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX with the account # XXXX I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Product: Debt collection

The debt attempting to be collected was not mine. Somebody used my information. I was just informed of the debt today, XXXX XXXX, the debt is from XXXX. I have no idea what was purchased
Product: Credit card

I have a returned payment of XXXX XXXX XXXX XXXX 
The payment was actually made on XX/XX/XXXX. 
Based on this, I have been charged Returned Payment Fee of XXXX which is valid. 
There is one another charge named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This charged looks totally invalid and baseless, and I tried to dispute the same which American Express refused. 
Further, despite paying off the complete balance on XX/XX/XXXX, as well as Paying off the XXXX balance in full on XX/XX/XXXX, an interest charge of {$10.00} has been charged to the card on XX/XX/XXXX, which again is not valid, since the payment has already been made in full on XX/XX/XXXX and XX/XX/XXXX 1st
Product: Credit card or prepaid card

On XX/XX/2021 I received a US Bank ReliaCard in the mail. It came with the correct last name, but misspelled first name. I never applied for an unemployment card seeing i am currently employed and have been for the last 7 years. I read that there was a scam out on these cards and I want to get to deactivated. Neither your customer service line or the company are taking calls. Every time I call I either get no response or it says it is outside of office hours, even though it is clearly not. At this point I just want it to be handle.
Product: Debt collection

This is a debt collection in the amount of XXXX This account is does not belong to me. They claim the original account was XXXX XXXX. I have contacted XXXX XXXX in XXXX when this amount first appeared on my credit report. There is no record of a debt under my social security number. Furthermore, I filed a dispute with all three credit bureaus in XXXX via certified copy letters. The charge/account was found to be an error. The accounts were removed within 2 months. In XXXX the charge reappeared on my credit report as Jefferson Capital. I have made repeated attempts to notify this collection company that the charge had been investigated and does not belong on my report. The call center agents have not provided any documentation that would show proof this account is linked to my social security #. 
This type of erroneous reporting is a violation of the Fair Debt Collection Practice Act. The fact that this account has been single reason for the delay of my mortgage preapproval letter since XXXX of XXXX exemplifies how this reporting system violates customers civil right as well.
Product: Checking or savings account

No email notification was sent to me about changes to my savings account. They just started charging me last year XX/XX/XXXX {$5.00} every month. I did not realize until today. I specifically called them about 2 years ago in XXXX asking if there was a minimum needed on my savings account -- they said NO. So I did not keep a minimum balance. I did not notice the {$5.00} service fee they were taking out of my account for a whole year until today when account went below {$100.00}. No email was ever sent to me saying that my savings account was going to change. They did send an email about changes to my checking account -- but this issue is only affecting my XXXX. The minimum balance is not an issue and could have easily been taking from my checking account. I want a full refund of the monthly service fees on my account as it is not right they took it from me. They took {$75.00} dollars from me and they said they could only refund {$10.00} every year and told me to call back next year to get another {$10.00} refunded. It would take me 6 more years to get my money refunded.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX   XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$950.00}
Product: Debt collection

On XX/XX/2016, I noticed on my credit report that it indicated that XXXX had a negative collection on my report from Allied Collection Services from the XXXX XXXX XXXX in XXXX XXXX for {$310.00}. I've never been or have stayed at the XXXX XXXX. I've disputed the collection, but XXXX  responded and said the information was accurate. I never received any collection notice in the mail stating such collection. I would like to resolve this issue and have it removed from my credit report
Product: Credit reporting or other personal consumer reports

The addresses listed are incorrect, and I called to have them deleted, but they still remain. The addresses are : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Additionally, XXXX XXXX XXXX should be marked as paid in full ; however, when they updated the information, it still shows as closed. Lastly, I disputed the XXXX XXXX XXXX entry because the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had called XXXX back in XX/XX/2018 after my wallet was stolen to report my card as stolen and to inform them that there had been fraudulent charges made on my account. The employee that I spoke to said that he would get it taken care of. The next month I went online to check the status of my account, and it still showed the charges on the account. I called again to figure out what was going on, the next employee I spoke with said the same thing " we will get this taken care of ''. Next month, the same situation so I called once again, this time the employee is telling me to make a payment. I can't believe it, they still haven't fixed this problem AND now they're telling me to pay for charges I haven't even made ... I made the payment just so I wouldn't have my credit report getting a late. The next month comes around and now I have a 30 day late on my report as well as the balance on my account showing as DOUBLED. The original {$300.00} in fraudulent charges how now turned into {$690.00}. I called XXXX again repeating the situation and the employee tells me they are still working on it, although it shouldn't take longer than 90 days from the day I originally reported it. Well its already passed 90 days at this point ... No solution has been made to this day. I don't want anything to do with this company, please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has my married name on my report, yet I have requested that to be changed several times. The response to this action is that creditors are allowed to change this information at their discretion. As well, there are phone numbers on my file that do not belong to me as well as debts on my  XXXX  file that have been cleared with all other reporting agencies. My goal is to have all of my credit reports consistent with the proper information during the process of repair, which I am currently engaged in. I have experienced issues in accessing my account online as well as dispute claims not being addressed within the proper time limits.
Product: Credit reporting or other personal consumer reports

I was honestly shocked when I checked my credit report this morning and saw inaccurate accounts listed. I have no idea how these errors popped up, as I always check my report, and everything was fine until today. I thought maybe it was just a temporary glitch, so I refreshed my browser, but nothing changed. The mistakes stayed there, and its made me really XXXX  out. Im asking that the documents Ive provided be fully reviewed so I wont have to worry about this happening again.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 


XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX BANK XXXX XXXX XXXX
Product: Debt collection

After pulling a copy of my credit report i notice that there was a reporting on my credit from Credit world service. I sent them a letter in regard to what they were reporting on XX/XX/2020 certified tracking XXXX XXXX XXXX XXXX XXXX. As of today this collection agency is still reporting on my credit report. i have no contract and dont recall signing any contract with this agency. They failed to provide me any viable evidence, bearing my signature, showing the account is being reported accurately. 
i also would like to know who claim to have " verified : without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. that is why not only i dont understand why they are reporting an account knowing i have no knowledge of doing any transactions with Credit world service.
Product: Student loan

So my husband and I finally had the revelation to file taxes separately in order to drop my monthly payment for my student loans. I am under the  PAYE  program and public service loan forgiveness, so my goal is to get as tiny of a monthly payment as possible.     My current payment is {$1300.00} per month. According to the payment calculator, my new payment since filing separately will be around {$300.00}. I applied to recertify/update my income with myfedloan servicing  ( FedLoanServicing )  on  XXXX   XXXX . They told me it would take  7-10  days to process, that I would still need to make the  XXXX  payment of {$1300.00} but by  XXXX  it would be the new, much lower payment.     Well, it 's been crickets. Finally, I called yesterday and was told that my application was still being processed. That they are experiencing delays with processing, and now it could take between  15-30  days! So I 'm going to have to make ANOTHER payment that is {$1000.00} higher than it should be. I asked if I would be reimbursed for the difference and surprise surprise, no, I wo n't be. Is n't there some sort of limit by law on the time they can take to process a repayment application?
Product: Credit reporting, credit repair services, 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 this account ( 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 erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : XXXX
Product: Mortgage

XX/XX/XXXX Dear CFPB SLS Refused HUD-assisted MORTGAGE Program SLS is the servicer of this loan and XXXX XXXX XXXX XXXX is the current creditor. 
XXXX XXXX ( account manager ID XXXX ) told me, if I needed a modification, I would need to go through the HUD government program for assistance. 
HUD submitted a full modification package with the documents I provided. BUT the account manager, XXXX XXXX REFUSED to accept HUDs authority and do a modification. She insisted that if I want to save my home, I will have to accept the terms of the investor ( XXXX XXXX XXXX XXXX ) or they will foreclose on my home. 
I have spoken to many representatives in the SLS ( Resolution Department ) but most representatives were very harsh and unprofessional. 
One representative said, BY LAW THEY HAVE TO TELL ME TO GO TO HUD FOR ASSISTANCE, BUT SLS DO NOT HAVE TO FOLLOW OR ACCEPT HUD MODIFICATION PROGRAM. SO THEY WILL FORECLOSE ON MY HOME IF I CAN NOT ACCEPT THEIR TERMS. Their demands are {$80000.00} cash upfront and a very high-interest rate on the balance ( payment to {$1200.00} for a short 3 years term and increased to {$2000.00} until XXXX ). Our 1st mortgage payment is {$4300.00} not to mention the increased property tax and insurance yearly.

SLS is very unreasonable and harsh with me because I file complaints to the CFPB concerning their MISCONDUCTS AND PREDATORY COLLECTING PROGRAM. THEY ARE FORCING US OUT OF OUR HOME or INTO BANKRUPTCY WE JUST WANT AN AFFORDABLE PAYMENT PLAN WITH A LOW-INTEREST RATE. We can not afford any CASH upfront as we used up our savings to keep up with the first mortgage and cost of living during the COVID 19 LOCKDOWN. 
List of SLS of some of the representatives I have spoken to, trying to get an affordable payment plan but with no avail XXXX XXXX many times until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE NEVER REQUESTED A SHORT SALE PAYOFF. BUT THEY HAVE SENT MANY SHORT SALE PAYOFFS AS MY ONLY OPTION. 

THE STRUCTURE AGREEMENT IN XXXX WILL FORCE US INTO BANKRUPTCY
Product: Credit reporting, credit repair services, or other personal consumer reports

I EXPRESSLY REQUEST YOU TO ABIDE BY THE LAW passed by the US Congress in XX/XX/XXXX and send the required disclosures pursuant to 12 CFR part 1006.42 or delete this false and negative item from my credit file. 

On XX/XX/XXXX I wrote a letter requesting Validation of this alleged debt and have yet to receive a response. By law, you are required to respond within 30 days or delete this felonious and negative item from my credit file. Therefore, you have already violated the law and this is another notice I am sending you. 


Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act 12 CFR Part 1006.34 stating your claim is disputed and validation is hereby requested. Otherwise you are required by law to delete this negative, false and erroneous item from my credit file. 



You are hereby on notice to abide by the law.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with 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 XXXXSC 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 months that are reported late 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, 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: Vehicle loan or lease

Credit acceptance appears to have violated the terms of the contract for an auto loan and is reporting a fraudulent balance to all credit reporting agencies. Documentation from Credit Acceptance shows conflicting information regarding the repossession costs, which results in an unconfirmed the balance on the account. In addition, the credit for GAP insurance coverage that was applied to the balance on the account appears to be in violation of the contract and Ohio law.

Enclosed document - Page 1 has reference to GAP insurance, Page 2 has reference to repo costs ( which do not match costs on page 4 ), Page 2 has reference to GAP insurance credit, Page 3 has reference to sale of car at XXXX XXXX, Page 4 has reference to repo costs ( which does not match costs on page 8 ) To further investigate the fraudulent balance, I am requesting the following documentation : - Proof of sale of the repossessed automobile from XXXX XXXX XXXX. This means a document from XXXX XXXX XXXX, not a document from Credit Acceptance. 
- GAP contract issued by the provider for GAP insurance