23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX This complaint is being sent to XXXX XXXX XXXX XXXX in response to a computer-generated, unsigned letter dated XX/XX/XXXX, letter received by Claimant from their offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation that may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. 

This is NOT a request for verification or proof of Claimant 's mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide the Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, you shall cease all verbal communication. No phone calls to the Claimant.
Product: Checking or savings account

I was forced to open this account in order to receive my payments from XXXX XXXX. I've reached out to them for months in order to have my other account added so that I could close this account. I never wanted this account and was made to open it in order to be paid for my services. The company has removed any other options so now I'm being removed from the platform, leaving me without income.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap: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  and XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021, I was called 2 times from phone XXXX and XXXX. The represenative stated that they were trying to collect on a debt is outside the statue of limitatations. I was also was told they could not sue me but they were trying to collect. I previously made payment arrangements, but I was not able to follow through due to no money. Ive had to bear the debt from my moms funeral who passed on XX/XX/XXXX. Im still being harassed today ( XX/XX/2021 ) after explaining all this. The calls from XX/XX/2021 came from phone XXXX. They have also called my husbands phone which is an invasion of privacy.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau : Complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, SD XXXX Dear Sir/Madam In XX/XX/XXXX, I stopped receiving paper bills from XXXX XXXX XXXX XXXX XXXX. 
Without informing me this company changed to e-bills, and I did not know this had happened. 
Unfortunately, this product has not performed properly or legally and the service was totally inadequate. They then to my surprise and shock, they reported this to XXXX  and my score dropped by 100 points. 

I spent the next months until XXXX to try and remedy this. I made numerous ( up to 30 ) phone calls to ask what's wrong. Either the line was busy, or the wait was over 45 minutes. The operators, once I was able to get through, could not speak English properly and/or they did not understand my questions. Sometimes they even hung up on me. 

To resolve the problem, I would appreciate your help in reversing my Credit Score problem. 

I look forward to your reply and a resolution to my problem. I will wait 3 more months before seeking third-party assistance. 
Please contact me at the above address or by phone XXXX Yours truly, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, as well as California Civil XXXX XXXX regarding statute of limitations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Auto Loan Account ) has violated multiple federal and state laws. Under 15 U.S.C 1681 SECTION 602 A, I have the right to privacy. Additionally, per California Civil Code 337, the statute of limitations for debt collection in California is 4 years. This auto loan account was opened on XX/XX/XXXXXXXX  and closed in XX/XX/XXXX, making it well beyond the statute of limitations and legally time-barred from both collection and reporting. 
The account 's presence on my credit report in XXXX violates both FCRA reporting time limits and California state law. Furthermore, XXXX XXXX XXXX XXXX has failed to provide the required privacy notices and opt-out rights under 12 CFR 1016.4 and 15 U.S.C. 6802. Under the Privacy Act of 1974 ( 5 U.S.C. 552a ), they also failed to obtain prior written consent before reporting.
Product: Credit reporting or other personal consumer reports

Please review this complaint carefully, as it was submitted with full intent. My credit report contains incorrect, unknown and mixed information, including accounts and transactions that do not belong to me. This mix-up is extremely concerning and has caused me unnecessary stress and frustration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXXXXXX Balance : {$27000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$800.00}
Product: Debt collection

care cr open this acct in XXXX, suspend billing in XXXX, XXXX cancel my acct, now i am getting calls from 3rd parties on this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate payment history reporting on all 3 credit reports for XXXX. Information reported differs ; XXXX  payment history shows last payment made on XX/XX/XXXX ( which is incorrect ) and paid as agreed through XX/XX/XXXX. Experian payment history shows scheduled payment of {$38.00} on a charge off account and paid as agreed through XX/XX/XXXX, which differs from XXXX. XXXX   payment history shows paid as agreed through XX/XX/XXXX, but date of first delinquency of XX/XX/XXXX ; also account was sold but not noted on reporting. If reported accurately the information should be the same between all 3 bureaus. This was previously disputed, however, information reported remains the same.
Product: Credit reporting or other personal consumer reports

I asking for this BANKRUPTCY XXXX to be investigated from the source because I have documentation from the source that this account isn't suppose to be on my credit file and I just need verification.
Product: Credit card or prepaid card

This is the list of evidence regarding my billing dispute for my HSBC Credit Card in the amount of {$1000.00} from XXXX XXXX XXXX posting on XX/XX/2022. 

1. Receipt dated XX/XX/2022 for XXXX # XXXX for the total amount of {$1000.00} 2. Email from event organizer dated XX/XX/2022 informing me of the cancellation of the event and that refunds will be issued. 
3. Email from event organizer dated XX/XX/2022 informing me that the refund of {$1000.00} for Order # XXXX was processed on my old XXXX XXXX ending in XXXX 4. Email from event organizers customer service dated XX/XX/2022 confirming that the refund would go into my account automatically even if my card number has changed ( HSBC changed my credit card without my prompting ) 5. Email from event organizers customer service dated XX/XX/2022 stating that their records indicate that the funds were accepted by HSBC, with the authorization code XXXX. 
6. List of all transactions for my credit card account from XX/XX/XXXX to XX/XX/2022. The refund is not reflected on this list. 
7. List from my HSBC rewards transaction that shows a Purchase Return dated XX/XX/2022 for the amount of {$1000.00} 8. I have been calling HSBC at least once every two weeks since XXXX. It has been a total now of over 4 months since the refund was issued by the merchant. 
9. I have also spoken to XXXX XXXX XXXX  and they said I needed to work with HSBC since they had already accepted the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered these report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$300.00} XXXX XXXX XXXX  XXXX Balance Owed : {$280.00} XXXX XXXX XXXX  XXXX XXXX Owed : {$540.00} XXXX XXXX Balance Owed : {$310.00} XXXX  XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XXXX Balance XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having the biggest issue with XXXX XXXX. I have held many mortgages and have never been late in over 30 years. I already hate that my mortgage keeps being sold to a different company every time I look up and each company is harder to deal with. In XXXX of XXXX my mortgage was sold to XXXX XXXX XXXX XXXX  charges a fee to pay online, and a fee to pay over the phone so I send my payment through the mail which is my normal process anyway but I have never seen a company charge to pay online. I mailed my payment as I always have in XXXX of XXXX and when I noticed they still didn't take my payment out of my account, I called them via phone on XX/XX/XXXX and was advised to give it a few more days because it would be a charge to stop payment on the check, a charge to pay it over the phone and a late fee. I stated I have never had a payment lost in the mail and that it would be up to a supervisor to waive the late fee. Still no payment was deducted out of my account so I then paid through the automated system and had to pay a fee, and was charged a late fee. I am very disappointed with how I was treated by this new company that can clearly see I have stellar payment history and always have for over 30 years as I have owned multiple homes. XXXX was unreasonable for a true and honest issue that was clearly out of my control. I have never had a payment lost in the mail before and I pay majority of my bills through the mail. XXXX XXXX keeps calling me to ask if I want to refinance with them. They refuse to resolve the issue that occurred with my account. I have had my mortgage on this home since XXXX and I have NEVER had a late payment and I want it removed. This is my XXXX home in 30 years and I have NEVER had an issue like this before. I have called and wrote letters and have been unsuccessful in getting this resolved.
Product: Credit card or prepaid card

Re : Account ending in XXXX Transaction : XXXX {$1000.00}, XX/XX/XXXX. 


This transaction is for a flight reservation. I tested positive for XXXX before my departure and couldnt travel. The airlines policy allows for a full refund in this case. After many unsuccessful communications with XXXX  and a complaint I filed with the department of transportation that, to date, went unanswered, I opened a dispute with Chase Bank on XX/XX/XXXX On XX/XX/XXXX, I received a 36 pages electronic letter from Chase stating : -We consider the disputed charge valid. We can't confirm that you're due a credit because the merchant has no record of you canceling the request within policy guidelines. 
-On page XX/XX/XXXX ; in the document provided to Chase by XXXX XXXX The merchant stated that I'd been advised to send them a copy of my XXXX report so they can request a refund waiver from the airlines. Please refer to the attached letter, page 6. 
On XX/XX/XXXX, I sent XXXX my positive XXXX report as requested. On XX/XX/XXXXXXXX XXXX then requested another report with a QR code. I sent them this test as requested. However, I never heard back from XXXX and I still didnt receive a refund. A copy of my email conversation with XXXX is attached. 
I called Chase Bank to re-open this dispute. The agent requested that I upload a copy of my email conversation with XXXX. As you can see, the email communication shows that I indeed sent the merchant the requested positive XXXX  test with the QR code. 
On XX/XX/XXXXXXXX I received an electronic letter from Chase Bank stating : We confirmed that the transactions you disputed are valid. While you may have a valid complaint with the merchant, the results of our investigation confirm that the transactions are valid and no billing error occurred on your account. 
Chase Bank violated our card agreement here and didnt handle the case correctly : -The merchant acknowledged to Chase Bank that I'd be receiving a refund waiver upon providing my positive XXXX test. 
-I provided Chase with a copy of my email communication with the merchant showing that Ive provided the positive XXXX test as requested. 
- Chase Bank used the wrong reason code for this dispute. Chase used code 13.7 Canceled Merchandise/Services, while the correct code is 13.6 Credit Not Processed.

-Chase Bank didnt provide any documents showing that Im not owed a refund. The merchant must be contacted again to challenge the dispute.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

I have no idea what this company is trying to collect from me. This has been going on for several months. AT first they called about once a week and left no messages. NOW they are calling repeatedly from different locations every day and only leave a call back number that I can not get through to a person. It has reached the harrassent stage in my opinion since they started calling every day, several times a day, from different places yet I can't get anyone to send me paperwork on what this is supposedly for. It's really ridiculous that after I told them to cease and desist from contacting me any more. There is no way that I'm ever going to be able to pay for what ever it is and I would think the company can write it off.
Product: Checking or savings account

I received an email regarding some possible fraudulent activity on my debit card on Wednesday, XX/XX/XXXX. I stopped by a Wells Fargo branch the next day to speak with a banker and get my debit card cancelled and a new one issued. The banker helped call into the claims team and get a dispute for XXXX transactions that posted ( {$100.00}, {$1000.00}, {$1300.00} ) totaling {$2300.00}. A good amount of other transactions were tried but fortunately declined. The merchant was XXXX PA. The bank currently has the dispute open but I have still not received any provisional credit or an answer yet : I have contacted the bank and the merchant multiple times a day and keep getting that the investigation is ongoing. I need this hard earned money back and scared my bank wont back my money like they said they would when I signed up for the account.
Product: Credit card

On XX/XX/2024 I received a notification that there was an inquiry on my behalf that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company numerous times and went to the credit agency for further investigation with no help. 
XX/XX/2018 XXXX XXXX XXXX  XXXX XXXX, XXXX Re : File Number XXXX Dear Agent, Thank you for your reply of XX/XX/2018, Attached is all my correspondence with the XXXX XXXX XXXX with whom I apparently owe {$9500.00}. As you will see I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form. 

You will see in my letters dated XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018that I have repeatedly made these offers. XXXX XXXX XXXX on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XX/XX/2018 however as a courtesy I gave them another 10 days to respond which they did not. This settled the matter once and for all on XX/XX/2018. 

I have since been harassed by XXXX XXXX XXXX and a third-party repossession company with whom I have no contractual relationship. They are third party interlopers and have no knowledge of the matter between myself and the XXXX XXXX XXXX and have no business what-so-ever harassing me. However, as a courtesy I have kindly offered both these agencies settlement in full on the amount owing upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form which binds myself and these agencies. Neither of these agencies have offered to accept payment from me on either occasion. 

To date XXXX XXXX XXXX, has not made any reference to the original instrument of indebtedness in any of their correspondence. It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially. 

I would appreciate if you would review my documentation and obtain a statement of facts from XXXX XXXX XXXX outlining exactly why they can not produce the original instrument of indebtedness, why they have had their lawyers harass me for a nonexistent debt and why they have referred this non-existent debt to a debt collection agency. 

Thank you very much.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX  {$210.00} XXXX XXXX XXXX {$190.00}
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 or other personal consumer reports

Hello I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Victim of XXXX XXXX  I am attaching proof on this very sensitive traumatizing situation. Please remove accounts involved. This process should be no hassle.
Product: Money transfer, virtual currency, or money service

My account is permanently limiting, and the account funds have been frozen for 180 days, but I still can't connect with the bank and withdraw cash, please help me
Product: Credit reporting or other personal consumer reports

While reviewing my latest credit report, I discovered that on XX/XX/2023, an individual attempted to obtain credit using my identity through Equifax Mortgage Services.
Product: Debt collection

I was checking my credit score on credit karma, I noticed I had a debt owed to XXXX XXXX XXXX XXXX reported on XX/XX/2020 as debt owed for {$520.00}. I have never stepped foot in this location, I had to XXXX the place and found its located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX. When opening the reviews of this location I realized all the negative reviews from people experiencing the exact same situation with this business charging them a medical debt when they have never stepped foot in that location. I feel extremely unsafe that they somehow got a hold of my information and were able to make damage to my credit and I have never stepped foot in that location.