23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by phone in XXXX and informed of a debt from a rental property, they claimed the apartment was damaged. I did not and to this day have still not received an initial letter from them regarding this debt. the first letter I received arrived in early to XXXX in response to my initial request for a validation letter. 

the debt they claim I owe is XXXX $ XXXX sent the debt collector mail asking for the name of the original creditor, the amount of the alleged debt a detailed breakdown of how this amount was calculated, a copy of any documentation that verifies I am responsible for this debt, the date the account was opened. 

I've asked if they have evidence of the damages done and they have said they do not. despite this, they went ahead with posting to the credit bureau. 

the company posted the debt in XXXX despite the ongoing dispute.
Product: Vehicle loan or lease

This company has called and messaged multiple times daily regarding a balance past due less than 30 days. I have received more than 3 phone calls a day since XX/XX/14. I spoke to the billing representative on that day stating payment would be made within 3 weeks to please not call until payment is made. A representative today failed to confirm the identity of the person on the phone call but continued to harass and badger me saying they would only stop calling if I promised to make payment within 7 days.
Product: Credit reporting or other personal consumer reports

I recently discovered that my Social Security number has been used suspiciously multiple times on the dark web, raising serious concerns about my identity and financial security. This situation is distressing, and I urgently seek assistance to secure my information, prevent further misuse, and ensure protection moving forward. 

On XX/XX/XXXX, I have contacted the credit bureaus and initiated a dispute for inaccurate information on my credit report, I expected a thorough review and correction. However, the process was frustrating due to delayed responses and minimal updates from the reporting companies. The incorrect information remained on my report, impacting my credit score and financial opportunities.
Product: Student loan

I called Navient on XX/XX/2023 to see if I can get it for parents from my private student loan because I'm unemployed. An incompetent agent incorrectly told me that my loan was in some sort of lawsuit and I didn't know any money at the time. So month later I start getting the harassing emails and robo calls. Then I get charged a late fee. Navient posted a reply on this site and saying that the agent gave me misinformation but yet I'm liable? This company is a fraud. I will be calling them because they need to give me back my late fee and take back any threats to report me to credit agency because this is their fault. They admit to have incompetent people working there they give me wrong information. Everything they say on the phone to me is recorded so they can not deny it. See photo attachment to this complaint.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX : Thursday, XXXX XXXX All Collection Company List on this Letter Subject : Request for Debt Validation To Whom It May Concern, I am writing in response to notices received regarding alleged debts listed below. According to the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ), I am exercising my right to request validation for each debt. 

Please provide the following information for each listed account 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) For each account listed, please provide : Detailed documentation verifying that I owe the debt. 

The total amount owed, including fees and interest. 

Original creditors name and contact information. 

Proof of your authorization to collect this debt. 

Verification that the statute of limitations has not expired.

Please cease all collection activities until validation is provided. Failure to comply may result in formal complaints to regulatory authorities.

Thank you for your prompt attention to this matter. 

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

From my credit report from Equifax and XXXX there is credit inquiries that I did not make. XXXX XXXX on XXXX XXXX saw XXXX as well. Equifax has inquiries from XXXX XXXX credit Card XXXX Also XXXX XXXX. I did not make these inquiries. Please take them off
Product: Checking or savings account

The financial institution, Bank of America, overdrafted my account on or around XX/XX/2023. There was a cash deposit in the amount of {$600.00} made on XX/XX/2023 to cover a hotel expense in XXXX. The deposit made was the amount needed and then some to cover it. However, when I returned home my tax return posted and I transferred the money from the checking account into my savings account. All together there should have been a total of approximately {$3200.00} between the {$600.00} and the {$2600.00} tax return received. On or around XX/XX/2023, when I checked the balance on my checking account it was {$470.00} overdrawn. When I contacted customer service to investigate, I was told that there was a teller hold on the cash deposit and that I would have to go into a branch to discuss it with a banker. I did that and the banker could not understand why I was disputing it. In either case none of the customer service representatives knew what was going on. They also did not seem to want to look into this further. It appears the Bank of America is once again trying to swindle people out of money by overdrafting their customers ' accounts for no reason.
Product: Checking or savings account

I only have a vehicle loan with USBank, NO OTHER TYPES OF ACCOUNT. I received a Debit card for an account with USBANK that I DID NOT REQUEST!!! The card had my name miss spelled. Addressed to my house. Very concerning that USBank would be setting up accounts with out request of the person. I will be contacting US Bank about this but this should be followed up by the Consumer Financial Protection Bureau with USBank.
Product: Debt collection

I have contacted XXXX & XXXX several times provided all of my information and was told that I was not in their system, however, the keep reporting on my credit, I have requested sign documents if they have an account and have not received any documents from this company. You are reporting on my credit incorrectly, You have been informed of this several times by me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently reviewed my credit report and noticed multiple unauthorized inquiries made by various companies around XXXX and XXXX of 2023. These inquiries were not authorized by me and constitute violations of the Fair Credit Reporting Act ( FCRA ) Section 1681b ( c ). These unauthorized inquiries represent a significant breach of my privacy rights. 

On XXXX XXXX, 2024, I sent letters to each company involved, requesting proof of my signed authorization within XXXX business days to verify the legitimacy of these inquiries. Although I requested the information in XXXX ( XXXX ) business days, I have allowed a XXXX response period, and still have not received any replies. 

Moreover, there are discrepancies in how these inquiries were reported across different credit bureaus, further demonstrating the inaccuracy and unauthorized nature of these entries. 

1. Ally Financial Inquiries : On XXXX XXXX, 2023, my XXXX report lists an inquiry from Ally Financial with an address in XXXX, XXXX. However, my XXXX report shows the same inquiry on the same date but with a different address in XXXX, XXXX. Additionally, my XXXX report shows XXXX inquiries from Ally Financial with different addresses, all on the same date. This inconsistency is unacceptable and warrants immediate removal from my credit report. 

2. XXXX XXXX of XXXX XXXX XXXX : On XXXX XXXX, 2023, my XXXX report listed an inquiry from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. However, my XXXX report shows an inquiry from The XXXX XXXX with the same address and date. The discrepancy in business names is indicative of inaccurate reporting and must be rectified promptly. 

3. XXXX Inquiries : On XXXX XXXX, 2023, my XXXX report lists an inquiry from XXXX in XXXX, XXXX. Conversely, my XXXX report shows an inquiry from XXXX on the same date but with a different address in XXXX XXXX, XXXX. This inconsistency undermines the integrity of my credit report and necessitates its removal. 

I request that the Consumer Financial Protection Bureau investigate these unauthorized and inconsistent inquiries and take the necessary action to have them removed from my credit report. This correction is crucial to ensuring the accuracy and integrity of my credit information.
Product: Mortgage

Per the purchase contact, I was required to double apply with New American Funding. My original lender XXXX advised that they would not be able to lend on the complex. New American Funding ( Loan officer XXXX XXXX ) told me that XXXX American Funding would be able to do the loan because they had previously closed in that complex and they had the condo certification and approval so there would be no issue with the loan. I proceeded. The loan officer called me and said that the loan was approvedand about 2-3 days later I received the approval via email. My realtor emailed the loan officer about removing loan contingency and from what I can tell there was a verbal go with removing loan contingency. I signed off. Because of the lender New American Funding, my cling date was extended 2-3 times. At the 11th hour, right before we are scheduled to close, the loan officer calls me to tell me that their underwriter is requesting a full condo review. The end story, the loan XXXX calls me to tell me that they can not lend on the complex. Now my $ XXXX deposit is at risk. I received a Cancelation of Escrow with the funds to be held.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCONTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY CARD AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFTI am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( account XXXX, account XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Checking or savings account

I opened an account earlier this month with CitiBank. 
Paycheck gets directly deposited Friday, personal Check deposited that evening, and one bill paid. They locked my account all weekend. I finally got hold of them today due to the holiday, the lady I spoke with says that my card is unlocked and ready to use. I tried to log into my account while she was still on the phone, but I did not let her disconnect me. I was still locked out. She transfers to another department. He verified my information and then said that he could not unlock my account and that I could try again in 48 hours.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry : XXXX cards XXXX  XX/XX/2023
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX 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 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 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or the 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 an 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 or 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: Debt collection

I sent in a debt validation letter and Central States Recovery sent a letter stating that they do not have any record of the alleged debt ; however, they are still reporting to XXXX and XXXX This needs to be deleted.
Product: Checking or savings account

I received two letters from Bank of America that I was trying to open deposit accounts and they were declined because of my credit score. I never attempted to do this. So I locked my credit report and tried to contact Bank of America where I have either been disconnected after being transferred or put on an indefinite hold.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXXXXXX XXXX XXXXXXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting or other personal consumer reports

I spoke with XXXX  twice an still yet to see it taken off, She stated it would take twenty four to forty eight hours, XXXX XXXX Which XXXX  XXXX has as of XXXX an also one at Amsher collection of the amount of XXXX XXXX XXXX XXXX  that I have to clue about being in good standards with my companys.
Product: Credit card or prepaid card

I have had an Elan XXXX for XXXX or XXXX years. The card is serviced by XXXX XXXX based in XXXX, ND. I received a letter dated XXXX XXXX, 2022 from XXXX XXXX informing me that the interest rates I was to be charged were going to increase ( letter attached ). XXXX reasons were given for the increase, supposedly based on my XXXX credit report, dated XX/XX/2022. 
I called XXXX XXXX on XXXX XXXX to ask for an explanation. The customer service person I spoke with was not able to give me details. I then wrote XXXX XXXX responding to/questioning each of the XXXX reasons given for the rate increase ( letter attached ). 
By coincidence, I had pulled my credit report from XXXX in XXXX, 2022. None of the reasons for the rate increase given by XXXX XXXX were evident on the credit report I obtained. In addition, the customer service person I spoke with on the XXXX told me the interest rates shown on my account were higher than the rates shown on my monthly account statements. 
I received a response to my letter from XXXX XXXX dated XXXX XXXX ( attached ). The response did not address the issues raised in my letter nor was there a response to my question as to the difference in rates between my statements and what I was actually being charged. Their response was basically " we aren't going to reconsider the rate hike and you can close your account ''. 
I did not accuse XXXX XXXX of fraud in my letter. To charge a long-time customer a higher interest rate that what was disclosed and to use apparently specious reasons for a further rate increase can be viewed as fraud adjacent.
Product: Credit reporting

Allied Collection services was representing for XXXX XXXX and made an agreement with me for a pay to delete. The account was paid in full and still remains to show as a PAID closed account in collections on my XXXX credit report.
Product: Checking or savings account

This complaint is to ensure that Chase Bank ensures proper handling of an unauthorizedcharge in the amount of {$1000.00}. I reported the unauthorized charge on Tuesday XX/XX/XXXX to Chase Bank but have not receiveda credit to my bank account in accordance withthe Fair Credit Billing Act. I never swiped my card with the merchant nor signed any invoices or received any receiptsto confirm any charging to mybank account. We were supposed to completea business transaction but unfortunatelythe company failed to complete delivery and they did not respond to me. I am no longer interested in doing business with thiscompany and the charge posted to my account is a legally unauthorized charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the validity of three collections accounts listed on my credit report, which were reported by XXXX ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 USC 1692g, I am requesting verification of these alleged debts.

I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency.

I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account. 
Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor. 
Documentation showing that the Collection Agency is licensed to collect debts in my state.

Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts.

If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws. 

Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.