23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

PRO COLLECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number : XXXX RE : Debt Validation Request This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed.

Please be advised that this is not a refusal to pay, but a notice sent under the Fair Debt Collection Practices Act, 15 US Code 1692g, that debt validation is requested. 

Please provide me with the following information : Documentation that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
Please provide me with the original creditor 's name and any supporting documentation. 
A signature on an agreement stating that I have agreed to assume the debt. 
A copy of the debt agreement, including the principal, interest, and any additional fees charged. 
Complete payment history and accounting of all additional charges being assessed Please provide proof that you are licensed to collect in XXXX along with your license numbers and XXXX XXXX or XXXX of XXXX. 

If your office fails to reply to this debt validation letter within 30 days of receiving it, all instances related to this account if any exist must be immediately deleted and removed from my credit file. Moreover, all future attempts to collect on the said debt must cease. 

I request that all future communications with me be in writing and sent to the address noted in this letter. I will no longer accept telecommunication. 

If you fail to comply with my request, I will consider that as a waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Take any action that could be detrimental to my credit reports during this validation period. I will consult with my legal counsel regarding the suit against you. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. 

Best Regards, XXXX XXXX
Product: Vehicle loan or lease

I am writing in regards to an account that is erroneously being reported on my credit reports. This vehicle was repossessed by Flagship Credit Acceptance in the state of Florida on or about XX/XX/2016. Under the laws of the State of Florida UCC 9.506 and State XXXX and XXXX XXXX, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof can be provided within 14 days of receipt of this complaint, the alleged claim of deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies.
Product: Debt collection

they told me they will sue me for a debt that is 10 years old that i included in my banruptcy 10 yerts ago they cant collect anything the statue of limitations is done she told me if i dont she will effect my credit tporet and have me arrested
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE SEVERAL ALLEGED COLLECTION, CHARGE ACCOUNTS SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA 623, IM DEMANDING THE REMOVAL OF THEM
Product: Checking or savings account

My wife received an unsolicited Cash App XXXX debit card through US mail. The card was issued by XXXX XXXX, headquartered in XXXX, Ohio. Neither Cash Ap, owned by Square , Inc. nor XXXX XXXX  provide human call-in customer service. Called XXXX and was told it was necessary to have name, address, date of birth and SSN to open account. Became very suspicious and filed incident report with local police. XXXX stated they could not close account, only XXXX XXXX  could close account. Eventually spoke to two representatives from XXXX XXXX. First stated that my wife 's identity had probably been compromised. The second person told me the bank had no responsibility for issuing the account, but the account had been closed. Also, spoke to representative from Cash App, but he would not refer me to their legal department unless I provided my e-mail. I refused. Based on recommendations from local police and booklet they provided on Identity Theft I filed reports with the FTC, FDIC and now, your agency. Also, spent an entire day placing a credit freeze on credit reports and fraud alerts on all accounts ( deposit and investment ). Advised XXXX XXXX representatives and Cash App that I was filing various complaints with governmental agencies and believed they had violated KYC.
Product: Checking or savings account

On friday XX/XX/2021 I received a check from the state of Illinois in the amount of XXXX due to the amount of the check I was unable to use Chase mobile deposits, it was late in the evening so I went to my local branch to deposit the check via ATM, I totally understand that those funds probably wouldnt be available until maybe following Wednesday due to the holiday weekend. I dont have a problem with that at all. On Sunday XX/XX/2021 I went to use my debit card and my account had been frozen with no explanation nor notice via email or phone from Chase bank. I finally received something from chase on XX/XX/2021 to contact them. I called and finally talked to someone in deposit holds and then I was questioned about why the state of Illinois is giving me this amount of money I refused at first and basically was told tell us or else. This financial discrimination must be stopped! Meanwhile my accounts are still on hold! I was told to go to my local branch if I needed money. How do they Im able to do so. Ive been embarrassed and my privacy on how and where I get money was invaded! Chase should be held accountable for the actions they take against its customers,
Product: Credit reporting, credit repair services, or other personal consumer reports

Article I, Section 10 United States America republic Constitution Hjr 192 Public Law 73-10 48 48 stat 110 pg 112-113 I want all negative remarks removed and to reflect all positive payment history. I want all accounts to reflect paid off. 

Pursuant to 15 U.S. Code 1692e, 15 U.S. Code 1692f, 15 U.S. Code 1692g, hjr 192 public law 73-10, 12 U.S. Code 411.

Article 1 section 10 United States America republic constitution 12 U.S. Code 411. Issuance to reserve banks ; nature of obligation ; redemption Article 1 section 10 United States America republic constitution
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Inquiries 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 card or prepaid card

In XX/XX/XXXX, I did a home equity loan through my bank and paid off multiple credit cards including my GM card ending in XXXX. The account was supposed to be closed at payoff. I cut up all my cards at that point, but I could not find my GM card. I was not concerned though because it was closed. In XXXX, I got a notification on my credit monitoring service of a delinquent account and saw that this GM account that was supposed to be closed with a XXXX balance was reporting past due. I have never received anything in the mail alerting me of this. I called GM and discovered there were several XXXX purchases that were made after it was paid off. So I logged into my XXXX account and compared my history to the charges. NONE of them were on my XXXX history. I rarely use XXXX and I did not at all in the timeframe of the charges. I called GM and reported 4 charges as fraudulent- {$72.00} and {$15.00} on XX/XX/XXXX, {$11.00} on XX/XX/XXXX and {$20.00} on XX/XX/XXXX. GM approved and removed the {$15.00}, {$11.00} and {$20.00} but have done nothing with the {$72.00} charge ( which was on the same day as the {$15.00} charge that they removed ). I have called 4 times in the last 30 days and am continuously told it is still " pending review. '' Meanwhile, it continues to report as delinquent and incur late fees and interest charges! I called today and asked if it is still incurring late fees and interest and reporting late while under review and the rep said yes! The rep also said, even if the {$72.00} charges is removed, I may still be responsible for the fees. This is completely unfair and wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following account listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

address wrong:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ln
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

accounts not mine XXXX XXXX XXXX
dept of ed/ XXXX  (XXXX) XXXX XXXX XXXX XXXX XXXX XXXX
us department of edu (XXXX)
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These accounts are what I'm referring to. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXXXXXX XXXX 
These are the adresses I am referring to 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

I contacted XXXX via XXXX XXXX mail and Fax. XXXX claims its been verified the XXXX XXXX  on my public record as Accurate and True. They cant verify as such. I have a letter directly from the XXXX XXXX  Bankruptcy Court saying they report to NO ONE!! XXXX is simply a third party company that pulls public record through poor outdated electronic means. XXXX!! They have XXXX interaction with the court. Ive asked XXXX for proof for 2 years!! I want legit documents, emails or postal mail. XXXX can not produce evidence that they have been in direct contact with the XXXX Bankruptcy Court regarding my XXXX XXXX. Since they are liars I want the public record removed from all credit score companies. They so easily slapped it on my report by getting this garbage from pacer. There are many discrepancies none of which they could possibly verify. I have a letter from the federal court. They are committing a crime.
Product: Student loan

Navient, whom I don't know, have called many of my neighbors, who I barely know, asking them for contact information on me because they are trying to collect on a student loan. They leave the phone number XXXX for m neighbors to call them back with this information. 

They are basically telling strangers about my business that is none of their business. My student loans were never with a company called Navient.
Product: Debt collection

This is a continuation of this complain, XXXX. Transworld Systems INC and the XXXX XXXX XXXX XXXX is extorting my daughter for being ignorant of the law. They refuse to settle this case and they have taken her income tax check of {$1900.00} in a pandemic. This account was settle in the court in the state of Idaho. These charges were made by her now ex husband without her consent, and he agree to paying it in a court of law. " garnish his taxes '' The credit limit on the XXXX XXXX XXXX account was {$1900.00}, This case should be closed and documentation stating its closed should by sent to us as well as the credit agencies. 

Please review and advise XXXX XXXX XXXX, XXXX XXXX of XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These unverified inquiries must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX  XXXX Balance Owed : {$0.00}. I believe it was reporting in error.
Product: Credit card

USAA has violated the Fair Credit Billing Act by providing contradictory dispute terms. An employee confirmed there was no time frame by which a dispute must be filed, yet when I filed disputes the company refused to review my supporting documents and began closing the disputes in favor of the merchant. It has been over 3 weeks and they have ruled on dozen 's of charges without even glancing at the supporting documents.
Product: Student loan

I had several student loans with FedLoan Servicing that went into default. I entered and completed a rehabilitation to get them out of default. Once they were out of default, I applied for a consolidation. Now all of my student loans are consolidated under XXXX XXXX as the servicer. My new consolidated loan is accurately reported on my credit reports. However, FedLoan Servicing has not updated my information for the old loans. They still appear as if they are open and delinquent and as if I still owe a balance to them. I have tried to get this fixed. I have emailed them all of the information and have still received no response. I reached out to XXXX XXXX and they told me I had to deal with FedLoan to fix it. This is keeping me from getting approved for a mortgage loan and it is tanking my credit score. The mortgage loan officer told me the loans are showing as if they are currently in collections. Please fix this immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX account is reporting on transunion credit report that is not mine. I disputed it twice but it still hasnt fallen off. I disputed it online and mailed XXXX letters to the dispute center but it still appears on my credit report.
Product: Credit card

On XX/XX/XXXX, a gentleman named XXXX XXXX called. He told me he had a program that could show me how to pay off my Mortgage between 5-7 years. It sounded convincing at the time, and I told him I needed more information ; he said that I needed to pay for the program and then they would send me a XXXX link to explain the program. I paid for the program on XX/XX/XXXX, and received the link to the XXXX meeting. 
After I listened to the information from the XXXX meeting, I realized they wanted to Apply to a bank of their choice to pay high interest on the loan and add my paycheck to the program, and I was concerned. 
I sent a cancelation email on Wed, XX/XX/XXXX, at XXXXXXXX XXXX. I explained to them that I was going through a XXXX and had a court date on XX/XX/XXXX. I didnt want to continue with the program, and my credit score was not great ; plus, I Dont know if the court is not going to ask me to sell the house. 
The answer was that they would postpone the transaction till my court date on XX/XX/XXXX, and I could transfer the program to another home. I told them I was not going to buy another house anytime soon, and again, I asked them to go back to the original email that I sent on Wed, XX/XX/XXXX, at XXXXXXXX XXXX, XXXX, of cancellation ; I want the refund back on my credit card. 
Since then, I have been going back-in-Fort to get the refund back. I submitted a complaint to Pen fed the credit card on XX/XX/XXXX, to let them know I never used the program or received anything to download from Accelerate Banking ; I canceled the transaction, and they refused to apply the refund to my credit card, I received two XXXX calls once after XX/XX/XXXX, which withdrew on Wed, XX/XX/XXXX, at XXXX XXXX 
Another one after XX/XX/XXXX, because they postponed the transaction, which I was unaware of ; again, I asked them to return to my original email on Wed, XX/XX/XXXX, at XXXX XXXX. 

As of XX/XX/XXXX, the XXXX is still trying to get me through the process, which I have never purchased since I canceled on XX/XX/XXXX. They charged me {$3900.00} for XXXX XXXX calls to explain the funny strategy to scam me out of my money. One XXXX call was on XX/XX/XXXX, and the other was after XX/XX/XXXX, which I considered because I wanted my accounting adviser to hear what they were trying to sell me. They postponed it until my XXXX court date but canceled it on XX/XX/XXXX. I never told them I wanted to proceed, especially when they stated that I had to put my paycheck into the process and then apply with several banks of their choice to pay high interest on my salary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX I have lived at this address for over XXXX XXXX, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease 2 Bank Statements Voter Status Car Insurance I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX