23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I submitted a debt validation request to Receivables Management Partners , LLC ( RMP ) regarding a debt related to services from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I requested that RMP provide the necessary documentation to validate the debt under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I asked for : The name and address of both the original and current creditor. 
A detailed breakdown of the debt, including any signed agreements or contracts related to the debt. 
Payment history and a clear explanation of how the amount claimed was calculated. 
Proof that the debt was assigned to RMP, including any documentation showing its transfer from the original creditor. 
Additionally, I requested that RMP cease all collection activities until the debt could be validated and ensure that the debt was not reported to any credit bureaus while the matter was in dispute. 

On XX/XX/XXXX, RMP responded by stating that the account had been flagged as disputed and that they had requested debt validation from their client, XXXX XXXX XXXX XXXX However, they failed to provide any supporting documentation to validate the debt within the legally mandated 30-day period under FDCPA 809 ( b ). 

Furthermore, RMP indicated that they requested the account be removed from the major credit bureaus but provided no proof or timeline for this. As of today, I have not received confirmation that this account has been removed from my credit report. Under FCRA 611 ( a ) ( 1 ), disputed debts should not remain on a consumers credit report while under dispute. 

I also requested that RMP explain the permissible purpose under which they accessed my credit report, as required under the Fair Credit Reporting Act ( FCRA ), but I have yet to receive any explanation or formal response on this matter. 

Dates and Actions Taken : XX/XX/XXXX : Submitted a formal debt validation request to RMP under the FDCPA. 
XX/XX/XXXXXXXX : RMP responded, acknowledging the dispute but failed to provide validation or proof of removal from credit reporting agencies. 
XX/XX/XXXX : Provided feedback on the companys response, noting the lack of validation and lack of action on removing the account from my credit report. 
What I Expect : I am requesting that RMP : Provide full debt validation, including a detailed breakdown of the debt and legal proof of assignment, within 30 days. 
Ensure the immediate removal of all negative information related to this debt from my credit report, as required by law. 
Provide a formal explanation for accessing my credit report without proper validation of the debt. 
Cease all further collection activities unless they can fully validate the debt. 
Failure to provide this documentation or failure to act in accordance with the FDCPA and FCRA will result in additional legal action and further complaints with the CFPB and Federal Trade Commission ( FTC ).
Product: Debt collection

MY dispute was delivered on XX/XX/XXXX to Convergent outsourcing simply asking them to provide the following information y. I requested verification of the alleged debt. Specifically, I requested the following items for verification : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) evidence and an itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. ( 4 ) Proof that this is an account as defined in Title 15 1693 A ( 2 ) the term account means a demand deposit, savings deposit, or other asset accounts. You are illegally attempting to collect the alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification.

I have not received a response yet Convergent outsourcing has failed to respond to my verification request. I want this alleged account deleted from all consumer report agencies immediately.
Product: Credit card or prepaid card

the merchant gave me a preferred rate through my education institution of {$99.00} per night and the merchant falsely told me that they will adjust the rate but took my credit card and charged me double the rate so I am disputing {$680.00} charge from Chase credit card. the merchant duped me and Chase told me that since it wasn't a billing error they wouldn't refund me. but this is a clear violation from merchant where they misrepresented and falsely defrauded me.
Product: Money transfer, virtual currency, or money service

Hi I had wire transfer my money from my bank account to Coinbase to purchase ETH, and then I sent crypto to the name call XXXX investment app platform to earn money there, I have six transactions from Coinbase to this platform, total I was sent around {$260000.00} US dollars, and the the account of XXXX has money $ XXXXnow, when I try withdraw my money, they want my to pay the $ XXXXus dollars tax and upgrade my account to vip also need pay XXXX.. and after my family in my country pay those money, I still cant withdraw my money, I know it was a scammer fake investment platform, I never can take my money out.. and I also contact Coinbase to help my get my money back from the scammer wallet address XXXX But Coinbase rejected to help, looks like is not their responsibility to get customer money back, even though they konw its a scammer address, they dont do anything, they keep let other victims denting the money to the same wallet address after I did complain to the Coinbase,, thats one of biggest loopholes from Coinbase. It can easily transfer money to fake and illegal investment platform without permission. Coinbase need to take extra security measures to keep safety of my account..I want to get my money back, I have no idea what can I do now, I have no money to pay my loan and credit card, my bank rejected to do the fraud investigation for me, they says Coinbase is big company, and also Coinbase do nothing after I report fraud scammer, I need some help. 
And I also call logon police, and report to FBI, IC3 The scammer platform website XXXX IP address is XXXX Ps. The wallet still can receive money from Coinbase now.. 
My email is : XXXX Name : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer, this is my Protection under the FCRA Section 623 and you failed to comply with reporting a notice to dispute. As a result, each account that doesnt have a notice of dispute is a {$1000.00} per Violation. Experian did not enter the notice of dispute on my Consumer Report. I mailed a letter on XX/XX/2021 and they have yet to follow the consumer laws and its almost been 2 months.
Product: Debt collection

On XX/XX/XXXX I received an email notification from Columbia Debt Recovery LLC, dba Genesis that this company was attempting to collect a debt they claimed I owed to a previous landlord, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA ) in the amount of {$1100.00}. I intended to dispute this debt because I believed the amount was legally unjustified given that it was incurred only because I had failed to give 60 days notice of intention not to renew my lease. I was surprised at this initially because I had never even heard of a notice requirement anywhere close to that long and I thought the 42 days ' notice I gave was plenty. 

At any rate, I went to the Consumer Financial Protection Bureau 's website to get some advice about how to respond and I downloaded a form letter ( the Debt Validation Letter ) with all the appropriate requirements and filled in the specifics for my situation. I printed out the letter and sent it by certified mail to the address listed for Columbia Debt Recovery in the initial email I had received on XX/XX/XXXX. I sent the certified letter on XX/XX/XXXX, which was well within the time frame outlined for a response in the email I received from Columbia Debt Recovery ( it said a response must be received by XX/XX/XXXX ) and I subsequently tracked the certified letter, which the XXXX shows was delivered on XX/XX/XXXX at XXXX am. 

I never received any written response or any response that I can discern or recall at all from the debt collection agency in question. Today, XX/XX/XXXX, I was notified by the credit monitoring service to which I subscribe that Genesis Credit Management reported a collection in the amount of {$1100.00}, and of course, my credit score has taken a substantial hit as a result of this. My understanding is that debt collectors are not legally permitted to report debt collections to credit agencies when they have a received a Debt Validation Letter and given that the letter I sent was delivered according to USPS and that the address to which I sent it was the address I found on the email I was originally sent for the debt collection, I do not understand why this could have legally occurred. 

I am fairly confident that what this debt collector has done is a violation of the Fair Debt Collection Practices Act and I want to ensure that this company is properly reprimanded, that it will not do this in the future to other consumers and that I am made whole by the harm that has been done to me because of this company 's illegal behavior. I have documentation to prove everything that I have stated occurred as I have explained. I contacted the debt collector today by phone and they claimed ignorance and asserted that I had made a mistake and that they had done nothing wrong. Needless to say, I was not happy with the interaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I applied for a business auto loan to purchase a brand-new XXXX XXXXXXXX XXXX XXXX via the XXXX mobile XXXX. My understanding is that XXXX XXXX sends the loan application to a pool where you have multiple financial institutions which includes but is not limited to TD Auto Finance ( " the bank '' ) bidding for the application. 
Note, this is our second business auto loan application through the XXXX mobile app within a space of about one month. 
The amount to be financed by the bank was about {$45000.00} and like the previous application, I provided my personal information for the purpose of personal guarantee ONLY. 
On XX/XX/2023, I got a notification from one of the credit bureaus that I have a personal auto loan. I contacted the bank to reallocate the loan to the business and they informed me that they don't offer business loans and that my best bet was to refinance the loan. 
Currently, I have a hard inquiry and an auto loan on my credit report. These if left, will negatively impact my ability to access credit that was originally accessible to me. I've attempted to dispute those with the three credit bureaus but today ( XX/XX/2023 ), I got an update from one of the bureaus that nothing has changed on my report based on my dispute and it's been finalized. 
I thought to escalate to your office for further review and assistance to have both the hard inquiry removed from my personal credit report as well as the loan. All those belong to the business and all I did was provide a personal guarantee like we did in the previous business auto loan with XXXX. 
I'm counting on your assistance and will be willing to provide any document regarding this issue upon request. 

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

I have multiple names on credit report when I only go by one. I would like to have all other names removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ; Account XXXX, Account XXXX and Account XXXX have violated my rights XXXX5 U.S.C 1881 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also Staes a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore all of the listed accounts have since been settled by being paid in full yet still are marked derogatory and other listings that negatively affect my standings with the credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of a fraudulent account on my credit report under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft resulting from a recent data breach, and the account listed below was opened without my authorization. 
Account to Be Blocked and Deleted : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/year> XXXX  Balance : {$1400.00}
Product: Bank account or service

Chase Bank and I open an account XXXX/XXXX/15. Shortly thereafter I receive a notice ( and check ) we 've closed your accounts. Chase says if you have any question call XXXX. I call and I am told reason for the closure is fraudulent activity. After my concern I call asking who is responsible for any fraud. There are only XXXX parties involved, XXXX or Chase Bank. Chase at XXXX changes the subject and will not answer any questions. Within my Chase accounts there are XXXX bonus I expected to receive. I have met the requirements. Chase comes to me promising bonus and then changes their business tactics. 









i recieve a
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a customer
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, my ex-husband purchased a money order from XXXX XXXX XXXX located on XXXX, AL from XXXX XXXX XXXX teller XXXX for alimony owed to me in the amount of {$550.00}. I deposited this money order on XX/XX/2021 at the XXXX, AL branch of XXXX bank. XXXX bank took this out of my account because they say the money order was cashed on XX/XX/2021 at A WELLS FARGO WITH MY NAME ON IT and it is MY FAULT FOR " FAILING TO SECURE THE LIVE ITEM TO PREVENT IT FROM BEING TRANSACTED. WHY IS IT MY JOB TO SECURE A MONEY ORDER 3 DAYS AFTER I DEPOSIT IT INTO MY ACCOUNT IN THE DRIVE THROUGH? You can not go in because of covid. This has to be examined futher with WELLS FARGO BANK. This is ridiculous. SOMEHOW THIS GOT IN THE HANDS OF THE WRONG PERSON AND IT WAS RECASHED AT A WELLS FARGO BANK. WELLS FARGO should have cameras and know that it was not me who cashed my money order. XXXX is blaming WELLS FARGO for recashing my money order.
Product: Debt collection

LVNV Funding has reported inaccurate and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g.

**Multiple Accounts Being Illegally Re-Aged & Collected On LVNV Funding is reporting two separate accounts, both of which contain the same violations of federal law : 1.Illegally Re-Aged Debt LVNV Funding has altered the Date of Last Activity ( DLA ), making the accounts appear more recent than they actually are to extend the reporting period beyond the legal limit ( FCRA 15 U.S.C. 1681c ( a ) ).

2. Failure to Validate Debt Despite my formal written requests, LVNV Funding has failed to provide any documentation proving ownership, payment history, or my contractual obligation, violating FDCPA 15 U.S.C. 1692g.

3.Unlawful Collection Attempts LVNV Funding continues to contact me via phone and email attempting to collect this unverified debt, in direct violation of FDCPA 15 U.S.C. 1692g ( b ), which prohibits collection efforts until proper validation is provided. I have also requested all communications be in writing, yet they have ignored this request.

Requested Resolution : 1. Immediately delete both accounts from my credit report due to violations of the FCRA and FDCPA.

2. Cease all collection activity related to these accounts.

3.Correct any false or misleading information reported to credit bureaus.

LVNV Fundings pattern of deceptive and unlawful debt collection practices demonstrates clear non-compliance with federal regulations. If this issue is not resolved promptly, I am prepared to escalate this complaint to the FTC, my states Attorney General, and pursue legal action if necessary.
Product: Debt collection

This is my 4th request to validate the charges that Mechant Adj Services has placed on my credit report. The explanation that was provided in my original complaint ( XXXX, XXXX and XXXX ) was not satisfactory. I have asked for MERCHANT ADJ SERVICES, to validate that they have a signe agreement between myself and their company. It is the debt collectors responsibility to provide proof of the debt, not refer me anywhere! YOU have absolutely refused to provide any documentation other than a bill This is not fair as a consumer to have a charge added to my credit report from tvis company and they provide a general response. I am requesting a higher lever of review of my case. I will not reach out to XXXX as they do not appear on my credit report. I have filed a complaint with the XXXX  and I feel that my rights as a consumer is being violated. It is not my responsibility to reach out to a different company to assist you with providing me the proper validation. I am AGAIN, request that you provide me with the following documents : I am asking that this debit be completely removed if you are not able to validate the with the information I requested. This was my request : Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Please provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. If you can not provide me with the information I'm requesting I am asking that you remove this debit from all 3 credit bureaus immediately. Referring me to another company is not a satisfactory response. Here is the original request as from the XXXX : On XX/XX/2024 I wrote all 3 credit bureaus a certified letter requesting that Merchant Adjustment Service validate the debit on my credit files. The amount of the debts that are showing on my report is {$1500.00} with the date assigned listed as XXXX and account number XXXX and {$650.00} with the assigned date listed as XXXX, account # XXXX. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  reports on all my credit reports derogatory and invalid information for years Ive disputed this and asked for validation of debt and none ever provided by XXXX experian, XXXX  and XXXX. Credit agency keeps saying it meets fcra requirements but will not provide me any judgements, bills, or documents proving this debt belongs to me. I am going to obviously seek legal council and seek damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX entered a consumer credit transaction with XXXX XXXX XXXX on XX/XX/2019, due to this being a consumer credit transaction a finance charge was involved, XXXX XXXX XXXX XXXX the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. So there shouldn't be any late payments due this being a finance charge because it was the SUM OF ALL CHARGES paid indirectly by my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX TransUnion and XXXX to cease using my information
Product: Money transfer, virtual currency, or money service

They close my account with no reason and I want to restore it thank you