23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Formal Demand for Debt Verification under 15 U.S.C. 1692g To Whom It May Concern, This letter serves as a formal request for debt verification in accordance with 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I am disputing the validity of the alleged debt that TrueAccord Corp. claims I owe. As such, I am exercising my rights to demand full verification of this alleged debt before any further collection actions are taken. 

According to 15 U.S.C. 1692g ( b ), once a debt is disputed, all collection activities must cease until TrueAccord Corp. provides verifiable proof that the debt is valid. As established in XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX ), any alleged debt must be verified through specific, concrete documentation. General statements or mere assertions are insufficient to meet this requirement. 

Verification Requirements : I am requesting the following information to verify the alleged debt : Proof of Original Creditor : A copy of the agreement or contract with the original creditor that establishes the basis for the alleged debt, along with a clear history of how the debt originated and changed hands. 
Evidence of Legal Authority : Documentation that demonstrates TrueAccord Corp. has been assigned or granted the legal right to collect the alleged debt, including any contracts or assignments that support this authority. 
Detailed Account and Payment History : A full breakdown of the alleged debt, including the principal amount, any fees or interest, and a comprehensive calculation of the total sum claimed. 
Until these requirements are met, TrueAccord Corp. is prohibited from engaging in further collection activities, as mandated by federal law. The court case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX ) emphasizes the necessity for debt collectors to validate their claims with clear, documented evidence. 

Notice of Legal Action : If TrueAccord Corp. fails to provide the requested documentation, or if there are further collection attempts without proper validation, I will have no choice but to pursue all legal remedies available under the FDCPA. I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will not hesitate to take legal action if necessary to protect my rights. 

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

There is imformation on my report that stops me from opening an account anywhere that is false info i had fraud on my accounts and closed them no longer have them please take off whatever it is stopping from opening an account
Product: Credit card or prepaid card

I opened a US Bank FlexPerks credit card in 2014, primarily because they offered points that could be used as airline miles on multiple airlines. At the time, the card issuer promised that as long as I kept my credit card open, those FlexPerks points would not expire. As a result, I accumulated quite a few points ( I dont recall exactly how many, but at least a few hundred thousand ) without using them, because I was saving the points to purchase tickets for a family vacation.To my surprise, when I happened to look at my statement about two months ago, my balance had declined to only 65,000 points. Until that time, I had not redeemed any of the points I had earned. 

Of course I called the card issuer to ask what happened, and the US Bank FlexPerks representative confirmed my suspicion that my points had expired. The problem, I explained to her, was that there was no notice or indication that the points would expire. She acknowledged that my points balance and amounts expiring were listed on my monthly hard-copy statements, but because US Bank pushed me into receiving my statements digitally, I stopped receiving the hard-copy statements. As a result, I used only the US Bank FlexPerks app, which the customer representative admitted does not show the expiring points. I told her this was wrong and unfair, because I had no notice of my points ever expiring. 

I asked the representative to reinstate my expired points, but she declined. She said she would submit my request to her management for further review of my situation, but a few weeks later I received a paper letter that indicated my request for reinstatement had been declined ( again ). 

BTW, when I complained about this situation to a friend, she commented that she, too, had a US Bank FlexPerks credit card and had no idea the points were subject to an expiration date. So I believe that many consumers have been lured into opening and maintaining this kind of credit card account without realizing that USBank now takes away what it gives as an incentive to use and reward for using their card. 

My complaints : - I understand that companies sometimes change the rules for when points expire, but I truly do not recall agreeing to or seeing that change in this instance. I would have noticed if it were prominently featured, because I was intentionally saving these points for a big family trip. Any change here was likely buried in the fine print that consumers like me routinely click to agree. It was unreasonable for USBank to change the expiration rules without appropriate notice to cardholders. 
- USBank should put expiration dates on the app, if that is where it wants its customers to receive information. Putting that information only on the paper statements, when fewer and fewer customers receive paper statements, is likewise unfair and misleading. 

If upon further investigation you are able to substantiate my complaints, I would respectfully ask that my point balance be reinstated ( so I can use them before they expire! ). Thank you very much for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to review my free credit report through annual free credit report. Equifax will not allow me to review my credit report.
Product: Student loan

My student loan was discharged in a court settlement for predatory lending. All account balances have been discharged for the affected borrowers, even people who were default on their payments and never paid their balances. I made all of my payments on time and have paid more than {$10000.00} on this loan. I feel that if the loan was found to be fraudulent or predatory and they are discharging all remaining balances, even the people who never paid anything, then I should be entitled to receive all of the money I have paid into the loan.
Product: Checking or savings account

I am writing to formally dispute a fraudulent transaction that occurred on my account. I have already reported this issue to Wells Fargo, XXXX, and XXXX XXXX, but I have been repeatedly redirected between these entities without receiving a resolution. I am seeking an immediate investigation and reimbursement for the unauthorized transaction ( s ). 

Details of the Fraudulent Transaction ( s ) : Date of Transaction : XX/XX/year> Amount : XXXX, XXXX via XXXX XXXX and XXXX via XXXX. 
Recipient Name : XXXX XXXX Cell : XXXX Other cell : XXXX Email : XXXX Business : XXXX Payment Method : XXXX XXXX XXXX Pay / Debit card Transaction ID ( if available ) : XXXX Conformation number : XXXX I reported this fraud to Wells Fargo XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX and was advised to contact Wells Fargo XXXX However, when I reached out, I was redirected again with no resolution. As a customer, I expect Wells Fargo to take responsibility for investigating this fraudulent activity and taking appropriate action.
Product: Payday loan, title loan, or personal loan

I applied for an emergency payday loan to pay my light bill. I was approved for {$300.00} on XX/XX/XXXX. It wasn't disclosed about high interest rates on this loan. The payments were set up by ACH each pay period for {$90.00}, which is every two weeks. I have made payments totalling {$420.00} as of XX/XX/XXXX. I am showing a payoff still in the amount of {$380.00} plus XXXX on my next pay date if I decide this.. If not this {$300.00} loan will be paid off after 14 more payments of {$90.00} totalling {$1300.00} This is Insane!!!. A complete Rip off!!!
Product: Credit reporting or other personal consumer reports

I contacted TransUnion because they continue to report incorrect information about XXXX old loan accounts I had with XXXX. I disputed these inquiries ( with documented proofs ) using TransUnions ' online dispute form, and was contacted about a week later saying TransUnion resolved the dispute. However, when I logged-in to see the resolution, all TransUnion did was leave me a note saying that the XXXX information was correct. When I originally submitted the dispute with TransUnion, I informed them that I had already attempted to resolve this issue with XXXX  but XXXX  still had not removed the incorrect information, nor have they done anything else to correct the error. The last time XXXX updated my file with TransUnion was almost 1 year ago - and since then XXXX has closed my accounts, transferred my accounts to another company, XXXX, and at XXXX my accounts were completely paid and closed. I submitted all this information to XXXX and TransUnion but they will not correct these errors in my credit reporting file. XXXX has updated my files with the credit reporting agencies to reflect all this information, so I don't know why XXXX refuses to correct my information and why TransUnion refuses to update the XXXX information.
Product: Money transfer, virtual currency, or money service

My account on Coinbase was hacked. Hacker sold my XXXX and trasferred all the funds via XXXX transfer to 11 different accounts. As soon as I discovered the unauthorized access, I called Coinbase. Their phone number only allows me to lock my account which I did. After 3 days they unlocked my account and I found that all the funds were gone. I opened a case with Coinbase. After about 3 weeks of investigation, I was given tips on how to secure my account and a statement that read " all transactions are irreversible but we will comply with all investigations ''. This hack happened because the company was unable to protect my information and was prone to attacks that allowed unauthorized activity. I already had 2 factor authentication however the hacker somehow as able to bypass that. Also, while coinbase requires XXXX for login, they do not require it or send any communication to the account holder when new accounts are attached to the account or go any sort of due diligence process to assure the legitimacy of the accounts added.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out today due to either false reporting or a credit mixup/fraud. I was notified 14 days after the purchase of my new car that I had other auto loans in my name. This is not true as I only had the one car. I contacted XXXX XXXX and they disputed it. They took the car away despite this company proving it is not my account. I continue to investigate only to find multiple accounts and aliases no where close to my name. I contacted experian about this and instead disputing these accounts they stated it was somehow a mix up on their end. Ive had my credit tan only to have it reflect unfair reporting to no ones fault but experian. They can not give me my credit score back before I had to go to multiple dealerships to find out they were giving out false narratives. I want my rights respected just like they are stated in 15 usc 1681. Thank you.
Product: Mortgage

I received a notice dated XX/XX/2016 that an escrow account had been set up and payments had been made to insurance and taxes regarding our home. We do not have an escrow with these people and are officially requesting they stop these fraudulent payments. The escrow " history '' shows payments made XX/XX/XXXX, XXXX, and XX/XX/XXXX. However, my insurance company shows a payment on XXXX/XXXX/16 and my treasurer also on XXXX/XXXX/16. I have informed both companies of this fraud and requested those funds returned. A Bayview agent, XXXX, specifically stated we do not have an escrow and than they began making payments to these places. My last complaint has done nothing to stop this company from committing fraud regarding my account and therefor have no other option but to seek legal help.
Product: Credit card or prepaid card

My credit card account has always been up to date and in good standing. Bank of America has closed it without my consent and did not disclose why. I want my account re-opened and I do not want it to harm my credit score in the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to get any feedback for my verification request from the credit reporting agency or the original creditor. I have submitted letters, requesting full validation of this debt. I have tried disputing this account with the company and the Experian credit reporting agency. I have not received a full validation of this debt in any way.
Product: Student loan

My husband and I consolidated our student loans in 2003. That original balance of {$32000.00} included all loans taken by my husband and myself. But Navient added the balance to our accounts twice, as if we EACH owed {$32000.00} and has been charging us interest on that ever since and will not respond to requests to adjust this balance correctly and apply all payments to the correct account.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 Sec. 602 a states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. XXXX, XXXX, XXXX are all consumer reporting agencies, and I am the Consumer. I do have the right to make sure my private information Is not shared which is backed by 15 USC 6801 that states. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers, and to protect the security, and the confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution under 15 USC 1681 Sec. 604 section 2 states that In general Subject to subsection ( C ). Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the XXXX reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. All consent to XXXX, XXXX, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ).

It states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission, which is against the law. 15 USC subsection 1681s2 ( A ) ( 1 ) A states 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. 15 USC subsection 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 
XXXX, XXXX, and XXXX do not maintain reasonable procedures. 12 CFR subsection 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Debt collection

Shell closed my account ask charged off in XXXX and it has been updated on my credit report that it was charged off in XXXX and I have a 180 day late payment from XX/XX/XXXX. Incorrect reporting. Shell/ CNBA has updated my credit report AFTER the account was charged off with late payments. Shell/ CBNA has received a tax write off for this debt and I should not have this debt reported on my credit profile with updated late payments. Please send me any forms or documentation showing that you have the right to report this as a debt currently. If you are not liable to do that please remove this account from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Account number XXXX with XXXX XXXXXXXX NA in the amount of {$630.00} date opened XX/XX/year> Duplicate account number XXXX with XXXX XXXXXXXX NA in the amount of {$720.00} account opened on XX/XX/year>. Both now with XXXX XXXX XXXX 
Account number XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX in the amount of {$320.00} opened XX/XX/year> I looked at my credit report on Experian and noticed some discrepancies asking them to investigate these accounts. They sent me a letter saying these accounts are verified and accurate. According to 15 usc16815 the credit bureau did not reinvestigate or correct the information and violated my right and Id like them to be removed for it is hurting my ability to get credit for they are not accurate or my accounts. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 XXXX XXXX XXXX XXXX illegal checked my credit when told to remedy it they hung up and insisted they will do what they want even if its in violation of the FCRA several attempts to have them remove the inquiry which they had no permission has failed and they have damage our ability to get a loan ..
Product: Debt collection

This was an approved visit to hospital by the XXXX XXXX. The VA has communicated with the hospital and has paid. After speaking with VA and hospital it was clear that Radiologist billed incorrectly. VA has already spoken to them about proper procedures.
Product: Debt collection

this company tried to contact me at my old contact information - I never received any calls or mails from them. They then added the item to my credit report without giving me the ability to dispute the charge. i did not owe XXXX XXXX for that amount of money since I had stopped services and they continued to charge me. 

I would of disputed the charge. However - I paid it off just to get it removed off my credit even though it was invalid. This agency did not work with me to remove this off my credit report and being able to dispute the charge.
Product: Payday loan, title loan, or personal loan

In accordance with the Fair Credit Reporting Act Affirm Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

1515 USC 1666B : A creditor may not read a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a debt validation under 15 U.S.C. 1692g, also known as the Fair Debt Collection Practices Act ( FDCPA ), in response to your collection efforts regarding the account referenced above. 

Please provide the following documentation and information to verify the debt : A complete and detailed list of the payment history on this account, with my name clearly indicated, including all amounts paid, dates, and any adjustments made. 
A copy of the original signed agreement or contract that I entered into with the original creditor, specifically the document bearing my original signature which verifies that I agreed to the terms of the contract. 
Confirmation of whether any insurance claim has been filed regarding this debt, and if so, the details of such claim. 
A clear and verifiable chain of title or ownership, showing how and when your company came into possession of the right to collect on this debt, including all assignments and transfers. 
Please note that until I receive this requested documentation, I consider this matter unresolved. In accordance with 15 U.S.C. 1692g, I request that all collection activities cease until the requested verification has been provided. 

I expect a prompt response to this request. If the requested information can not be provided, I will consider this debt invalid.
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 XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX 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 corrected 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

My Experian account got hacked, and beyond notifying me that my account information had changed, Experian themselves has been totally useless. I've called many times and they won't help until they've confirmed my identity. I submitted my documentation weeks ago and they maintain that they can't find the documents. Meanwhile whoever accessed my Experian account has all the information they need ( my entire credit report ) to repeatedly gain access to my account in the future as Experian " verifies '' identity over the phone via the information found on your credit report. Because Experian 's security is poor I feel like an unauthorized party has permanent access to my credit report and I can't even get Experian to let me back into my account to try and secure/delete it. Also it's impossible to get any humans on the phone at this company.
Product: Mortgage

I requested a payloff for my Greentree Account because of the poor service provided, they are crooks in every form of the word and should not be servicing mortgages period. Let me explain ; I received a payoff on my account, while at the bank transfering the amount to greentree, I called their customer service group and told them what I was doing, the representative informed me that my scheduled automatic payment could not be stopped, I asked her to note my account that I was wiring the amount on the payoff letter minus the amount being automatically withdrawn which she could not stop. I followed up with greentree servicing and they have failed to clear the account and now have an additional amount of {$400.00} Interest on a balance of {$1900.00} and despite many calls to different supervisors, nothing can be resolved. Clear and close my account, beware of this group.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I recevied an email that my student loan was forgiven. ( See letter enclosed ) On XXXX DEPT OF ED/NELNET Reported on my XXXX consumer profile that this loan is open with a balance. 

I did not agree to this nor sign any documents that any prior closed student loan could be transferred and reopened. 

15 USC 1681B ( 2 ) for misuse of my report and decreasing my score. This company has violated my consumer rights. This account needs to be closed immediately.