23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am requesting that you validate this debt as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 



Please provide the following information so I can properly assess the validity of this debt : 1. The name and address of the original creditor.

2. A copy of the written agreement, contract, or other documentation that establishes this debt.

3. An itemized accounting of the debt, including the original amount, any fees or interest added, and how these charges were calculated.

4. Proof that you have the legal authority to collect this debt, such as a copy of your agreement with the original creditor.

5. A complete record of all payments made and their application to the balance. 



Until you provide proper validation of this debt, I request that you cease all collection activities, including reporting this debt to any credit reporting agencies, as failure to validate the debt could be a violation of the FDCPA. 



Additionally, if this debt is found to be invalid or can not be verified, I request that you inform all credit reporting agencies to whom you may have reported this debt, and remove the listing from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX : {$980.00} XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1100.00} ARS ( Original Creditor : XXXX XXXX XXXXXXXX SVCS XXXX XXXX XXXX Balance : {$330.00} ARS ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$620.00} XXXX XXXX Balance : {$110.00} XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit card or prepaid card

I'm a XXXX veteran and have been using Direct Express ( DB ), Comerca Bank ( CB ) Card, which treasury department sends electronic deposits and I been using DB for many years but trying to close and transfer balance of {$19.00} to new bank but CB automated system is denying because it's less than {$20.00}. I have already had Treasury department sucessfully send my new deposit to XXXX  XXXX XXXX XX/XX/2020 therefore they have my cheking and routing number but now CB is making difficult and creating obstacles to people with XXXX to close account and worry they may be intentionally doing this so they can keep balance. I agree to pay any fee 's to transfer but they're automated system deny 's us that option to transfer and request they comply with ADA and change their internal automated XXXX Customer Service system which can be simplified and accessible 24/7-365 Days a year.
Product: Credit reporting or other personal consumer reports

1 ) On XX/XX/2023, there is an inquiry from XXXX XXXX made to all 3 majors XXXX XXXX Agencies against my report file. I never had nor have i ever initiated any type of credit account with XXXX XXXX. 
2 ) On XX/XX/2023, an XXXX was placed by XXXX XXXX XXXX to my XXXX credit file. 
3 ) On XX/XX/2023, XXXX XXXX was place to my XXXX credit file by XXXX XXXX. 
4 ) On XX/XX/2023, an XXXX was place by XXXX XXXX XXXXXXXX to my XXXX credit filefile. 
5 ) On XX/XX/2023, an XXXX was placed by XXXX XXXX XXXX to my XXXX credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Questioned billing and computer error through first and second notice. Received zero to answer my questions under FCBA. Chase reported my account as delinquent to XXXX with no investigation. A violation of my rights!! My credit score is now damaged due to negligence on Chase part to do a proper investigation. My credit was perfect up until this fraud and deception took place!
Product: Debt collection

hello, my name is XXXX XXXX XXXX. i am a XXXX XXXX  with XXXX XXXX XXXX 
my XXXX  is presently XXXX XXXX XXXXXXXX. at the branch on XXXX XXXX in XXXX tennessee. i work 6 days a week. yesterday, XXXX XX/XX/XXXX i was blindsided at my post by a gentleman serving me a summons. 
it is for a court hearing on TUESDAY XXXX XX/XX/XXXX, XXXX. could you believe this, less than 30 days. FOR A COURT CASE. no room to breathe or prepare here.. 

details are as follows : : : : GENERAL SESSIONS COURT XXXX XXXX TENNESSEE DOCKET # XXXX CIVIL WARRANT PLAINTIFF XXXX XXXX XXXX ACCT # XXXX BAL {$2100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( ES ) XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX TN XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX it is for an account with cashnetusa acct was charged off on XXXX XX/XX/XXXX. 
i am unfamiliar with said acct. 

after work, i went home to research my credit reports to look for this debt. 
after thorough searching i found the following results... 
XXXX NOT FOUND XXXX NOT FOUND XXXX NOT FOUND XXXX nothing there
Product: Debt collection

Collections is not from original creditor. I do not own National Credit System account # XXXX I never heard of National Credit System. I never did a contract with them.
Product: Debt collection

Harris and Harris Ltd ( XXXX XXXX XXXX XXXX # XXXX, XXXX, IL, XXXX ) sent me a " settlement offer '' letter via USPS mail alleging an incorrect amount owed of approximately {$96.00} and offered to settle it. Harris knowingly made these false statements after knowing it had previously received two separate checks via XXXX XXXX in XX/XX/2019 for partial payments. Those payments were never acknowledged in the settlement offer despite knowingly accepting and cashing those two checks. 

Further, upon inquiry, I asked Harris to send me a paid in full letter and they alleged that they do not issue those. As you can imagine, having sent two prior checks that were knowingly left out of the settlement offer, I was weary to simply send another check without any further correspondence from Harris acknowledging payment, receipt of payment and payment in full. Harris ' tactic was to then place me on hold for over 30 minutes. 

Harris has willfully, knowingly engaged in FALSE statements as evidenced in their " settlement offer '' offer letter to me ; they have willingly and knowingly engaged in tactics designed to discourage full and fair transparency for paid in full medical debts and in tactics via prolonged holds to simply delay engaging with me in good faith. 

I finally was let off hold by a XXXX XXXX. I notified them that I am disputing any and all amounts until this is resolved.
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting or other personal consumer reports

TransUnion LLC XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information and Request for 1099-C Dear Credit Reporting Agencies, I am writing to formally dispute the accuracy of several accounts listed on my credit report, including accounts from XXXX XXXX  ( Account # XXXX ), XXXX XXXX XXXX  XXXX Account # XXXX ), XXXX XXXX XXXX  XXXX Account # XXXX ), XXXX  Lending XXXX XXXX Account # XXXX ), XXXX XXXX  XXXX XXXX Account # XXXX ), XXXX XXXX ( Account # XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ), XXXX XXXX ( Account # XXXX ), XXXX XXXX XXXX Account # XXXX ), and XXXX XXXX  ( Account # XXXX ). Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, I request a reinvestigation of these accounts, as they appear to violate several provisions including 15 USC 1666b regarding billing disputes and 15 USC 1681e ( b ) concerning the accuracy of information. Additionally, I am requesting a 1099-C for all charge-off accounts as mandated by tax code regulations. If these entries are not corrected or removed, I will be compelled to seek legal remedies for damages as permitted under the FCRA and related regulations ( 12 CFR 1006.34c, 12 CFR 1006.6c ). Please confirm receipt of this letter and provide a timeline for the reinvestigation process. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I really dont know .I never received a Macy card net alone used one
Product: Credit card

I have been trying to set up Autopay on a credit card with Bank of America. I get an error message that the account is already set up and I can't set up another. I have spoken to many different representatives and they all say they have fixed the problem, the process will take 24 hours and to try again. Each time its is the same result. I am unable to set up an autopayment. bank of america makes it impossible to change the bank account from which you want to pay your bill. any other credit card I can go online and change the bank easily within minutes. Bank of America makes it impossible. This will cause increased late fees and interest perhaps on purpose.
Product: Money transfer, virtual currency, or money service

XXXX XXXX I sent {$200.00} to XXXX via bank deposit. The money transfer company sent confirmation and a receipt stating that the money was deposited into the recipient bank account. The recipient NEVER received the money.
Product: Vehicle loan or lease

I purchased a new XXXX in XX/XX/XXXX from a local XXXX dealership. The vehicle is financed through Toyota Financial Services ( TFS ). I have regularly called TFS to advise them that any additional money that I send in with my monthly payment is to be applied to principal only. I have sent in {$700.00} every month since XX/XX/XXXX. TFS routinely did not apply the extra funds that I sent in to principal and instead advanced my payment due date contrary to what I requested them to do. This matter has been the subject of a complaint that I filed recently with the CFPB. Today I logged into my TFS account and it indicated that I have a past due balance of {$650.00}. I have paid every monthly payment on time therefore the TFS system is incorrect. After speaking with a TFS representative for over 30 minutes I was transferred to XXXX on the Escalation Line. XXXX advised me that my most recent payment due XX/XX/XXXX was applied incorrectly which accounts for the past due status on the account. Due to TFS incompetent handling of the account I am requesting the assistance of the CFPB.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Contemporary Information Corporation ( CIC ) concerning their reporting of a judgment on my credit report. I have identified several violations of the Fair Credit Reporting Act ( FCRA ) that warrant immediate investigation and resolution. Details of the Complaint : **1. Re-aging of Debt ( 15 USC 1681c ) : ** CIC is reporting a judgment on my credit report, which appears to be re-aged, thereby extending the reporting period beyond the legally allowed timeframe. Re-aging a debt violates the FCRA, specifically under 15 USC 1681c, as it misrepresents the actual status of the judgment and extends the negative impact on my credit report. **2. Inaccurate Reporting ( 15 USC 1681e ( b ) ) : ** The information provided by CIC is inaccurate as it does not reflect the current and accurate status of the judgment. The inaccurate reporting of this judgment is a direct violation of 15 USC 1681e ( b ) of the FCRA, which mandates that consumer reporting agencies ensure the maximum possible accuracy of the information they provide. **3. Use of Outdated Information to Persuade Adverse Actions ( 15 USC 1681b ) : ** CIC is using outdated information in reporting the judgment, leading to potential adverse actions against me. This is a violation of 15 USC 1681b, as the reported information is not a true reflection of my current financial status. This inaccurate portrayal can have severe consequences, affecting my ability to secure credit or make important financial decisions. **4. Discrepancies with Other Credit Bureaus : ** XXXX, XXXX, and XXXX are reporting the debt associated with the judgment as current and paid on time. The inconsistency among credit reporting agencies raises questions about the accuracy and validity of the judgment reported by CIC. I challenge the validity of the judgment and request that CIC provides proof of the accuracy of their reporting. I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into the aforementioned violations committed by CIC. I expect that appropriate action will be taken to rectify these violations and ensure compliance with the FCRA. Enclosed with this complaint, please find supporting documentation, including credit reports from multiple agencies highlighting the discrepancies in reporting. Thank you for your immediate attention to this matter. I trust that the Consumer Financial Protection Bureau will act promptly to address these violations and protect consumers ' rights. Sincerely, XXXX XXXX
Product: Mortgage

In XX/XX/2019, I spoke to XXXX XXXX XXXX with regard to lowering my mortgage payment and escrowing my real estate taxes. I sent them a letter of request asking them to advise me after a payment of {$180000.00} what my new monthly payment would be for the remainder of the original loan terms. 
I received a response that after receipt of the lump sum payment my mortgage payment would be around {$340.00} a month but since I have always paid my real estate taxes separately they would not be able to calculate a monthly payment with taxes included. I called XXXX to advise that I would be sending {$170000.00} on XX/XX/XXXX and the agent advised me that the loan would recast and XX/XX/XXXX statement would reflect the new lower payment amount due. 
On XX/XX/2019 I scheduled my XX/XX/XXXX mortgage payment with a lump sum payment of {$170000.00}. After a week I noticed that the check had not been cashed. I called XXXX to investigate and was advised that the new servicer would be PHH Mortgage Services, XXXX XXXX XXXX XXXX  XXXX, NJ XXXX. The following day I received a letter in the mail with the new servicers information. 
On XX/XX/2019, I called PHH to see what the XX/XX/XXXX payment would be they advised me the new payment would remain the same and that in order to recast with them I would need to apply, pay a {$300.00} application but there was no guarantee it would be approved, however, if denied I would receive the {$300.00} application fee back. 
As a consumer I feel that I am being robbed of an exorbitant amount of money and requesting assistance in this matter. This was done to lower expenses since my income has changed because my spouse is currently battling XXXX. Now in addition to the fear of that loss I fear losing my home as well. If they were not going to honor the XXXX agreement they should not have cashed the check.
Product: Credit card or prepaid card

Visited the AmEx website to get information about prequalification. Prequalified for the XXXX card and two XXXX XXXX. When attempting the application for the XXXX card, there was an indication that info I submitted did not match their records preventing us from effectively applying. I did not feel the first rep fully understood or wasnt properly disclosing why our info was in their system, he passed us to XXXX who took a social security number but never clarified whether old info was in their system or adequately why he needed it. He never performed a proper authentication of our identity to disclose info that may have been in the system. I raised the concern numerous times that we didnt understand whether old info was causing the block ( which would have allowed us to try to take next steps ) or whether someone else was using my info. The original rep claimed he couldnt even see the prequal for XXXX and started pushing a card I was not prequalified for, the gold, which is showing elevated offers online. The problem is that if the XXXX cards, possibly, connected to old corporate accounts, but maybe not, are not the issue, what is but they never helped me understand what I could do to help myself if there is an issue. I was transferred to and spoke with a manager, XXXX, who the previous rep claimed was a middle school friend, who totally blew off my security concerns. Then ; Spoke with XXXX, who provided an XXXX XXXX address for complaints because apparently AmEx does not value prospects only client concerns, even when security related. Chatted with XXXX and he blew me off totally and was flippant in his replies. Im baffled that none took my concerns seriously when I was told that the name and email address in their file did not match my social and Im surprised that this company does not have a method or counseling to deal with security concerns for prospects. I thought their customer service was industry best but 5 people -including 1 supervisor- failed us. I do not want to wait for snail mail for resolution and the company has no expedited solutions for investigating security concerns. I wasted my time and got no information. Not interested in a relationship anymore now that I understand how clients are treated but want answers.
Product: Credit card

Take a look at the attached documents. I want the bureau to start an investigation into these accounts, as I have never been late, but they are inaccurately reporting me as such.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Jefferson Capital Systems , LLC for a number of federal violations. I have never given Jefferson Capital Systems , LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from Jefferson Capital Systems , LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Jefferson Capital Systems , LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me ( the consumer ) prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Jefferson Capital Systems , LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them such as a trilateral contract. If this documentary evidence can not be produced and Jefferson Capital Systems , LLC continues its collection efforts, I will file for litigation for actual damages caused and Jefferson Capital Systems , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Mortgage

Better Mortgage is offering something of value on this email contract and steering clients to apply. This is an illegal practice.
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 g was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these violations