23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I need assistance settling an account with XXXX XXXX. Following are the facts of the matter : 1 ). On XX/XX/2023, I moved my phone service from XXXX XXXX to XXXX XXXX XXXX. I have copies of text messages sent to me by XXXX XXXX on the very same day acknowledging the transfer of service. 

2 ). On XX/XX/2023, XXXX XXXX sent me an email in which they claimed my last day of service was XX/XX/2023. I had not had service with XXXX XXXX since XX/XX/2023, when XXXX XXXX XXXX became my carrier. 

3 ). On XX/XX/2023, I received an email from XXXX XXXX claiming a balance of {$120.00} was due by XX/XX/2023. This was the approximate amount of my usual previous monthly XXXX and did not appear to be an adjustment bill for final charges. I attempted to access the account online to view the charges since the email contained no details, and I learned that XXXX had locked me out of the account. 

4 ). I called XXXX XXXX on XX/XX/2023, to request that the bill be sent to me so that I could view the charges and I was informed that it would be sent to my current address which I provided to the customer service representative. 

5 ). On XX/XX/2023, just two days after the bill had been due ( I never received the bill by mail ), I received an email from MRS BPO , LLC, a collection agency located at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, regarding the XXXX XXXX XXXX. 

6 ). I promptly wrote to MRS BPO , LLC on XX/XX/2023, to dispute the amount and to request a copy of the bill and verification that it was for services prior to XX/XX/2023. 

7 ). I followed up with an email to MRS BPO , LLC on XX/XX/2023, requesting that they acknowledge my dispute letter. 

8 ). I have never received a response from MRS BPO , LLC, the collection agency, to my communications to them. 

9 ). XXXX XXXX has reported the account as a collections account on my credit report. 

10 ). I have been unable to obtain a copy of the final XXXX XXXX XXXX from either XXXX or MRS BPO , LLC so that I can ascertain whether any of the charges are for service after XX/XX/2023. 

XXXX XXXX has ruined my credit rating. I want to pay any charges I owe that are for service prior to XX/XX/2023, but I can not get XXXX or MRS BPO , LLC to account for the balance XXXX claims I owe. I also want XXXX to remove the collection item from my credit report since I have dealt in good faith to try to obtain information from them that they were obligated by law to provide to me. I want any award from XXXX and from MRS BPO , LLC that the law entitles me to for their infractions of Fair Debt Collection practices. 

Please advise. I have copies of all the documents I have mentioned. I appreciate your assistance with this matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the information being reported on my credit report by XXXX XXXX, XXXX, and Experian. Upon reviewing my credit report, I have identified discrepancies in the reported open dates and high credit amounts, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. 

As per the FCRA, it is imperative that accurate information is reported by credit bureaus and creditors alike. However, the inconsistent reporting by XXXX XXXX, XXXX, and Experian has led to discrepancies in my credit report, specifically regarding the open dates and high credit amounts associated with my accounts. 

Furthermore, the discrepancies reported by XXXX XXXX, XXXX, and Experian are not only inaccurate but also constitute a violation of the Privacy Act of 1974. This act mandates the protection of individuals ' personal information held by federal agencies, and any violation thereof is unacceptable. 

In addition, I am exercising my right under 15 USC 6802 to opt out of the reporting of this account on my consumer report. Therefore, I formally request that XXXX XXXX cease reporting this account to XXXX and Experian effective immediately. 

I request that XXXX XXXX, XXXX, and Experian conduct a thorough review of their reporting practices to ensure compliance with the FCRA and the Privacy Act of 1974. It is imperative that accurate and compliant information is provided to credit reporting agencies to protect the rights and interests of consumers. 

Please consider this letter as a formal dispute under the provisions of the FCRA and the Privacy Act of 1974. I expect XXXX XXXX, XXXX, and Experian to take prompt action to address this matter and provide confirmation of the actions taken to rectify the inaccurate reporting. 

Thank you for your attention to this matter. I anticipate a timely resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Debt collection

Capital One Financial Services ( servicer for GreenPoint Mortgage ), please advise if you sold this HELOC on behalf of GreenPoint Mortgage before XX/XX/2007. In addition, please furnish documentation of my HELOC note on my property XXXX XXXX XXXX, XXXX, PA XXXX that was properly indorsed each time the mortgage/HELOC was transferred recorded an unrecorded. 2.A clear documented chain of title, from the origination initiated by GreenPoint Mortgage Funding , Inc. up to its current " Trust & Servicer, '' in addition to all documentation recorded an unrecorded that match the records at the public office in XXXX, Pennsylvania. 3.Documentation of the delivery an acceptance receipt from the originator to the sponsor, a delivery an acceptance receipt from the sponsor to the depositor, and a delivery an acceptance receipt from the depositor to the Trustee 's. In addition, to all original notes, all payments made and all original documents that were executed from the originator up to the current Trust & Servicer 's.
Product: Debt collection

I dont even know who XXXX I have never applied to to get any credit from them yet Im in collection I have no knowledge of this
Product: Money transfer, virtual currency, or money service

Starting on XX/XX/XXXX all the way through XX/XX/XXXX there was a series of XXXX unauthorized transactions on XXXX XXXX through my Wells Fargo bank account and debit card. If my math is correct I was robbed of almost XXXX XXXX dollars in total. {$7800.00} to be exact. All of the transactions made were NOT authorized by myself and I never received any notifications of these transactions. In other words they were unauthorized transactions and/or fraud. I contacted Wells Fargo and their claims department and was told that they would do everything to help me and make the situation better. A few days pass and they advise me that they denied my claim and will not reimburse me for the amount we had agreed upon and said would be reimbursed after investigation was completed. I just had a son ( he is literally not even XXXX month old ) and I was in the process of putting a down payment for a house and/or buying a dually truck for my hotshot business Im in the process of starting. On top of this issue I had another XXXX issues with my account. These involve XXXX and XXXX. Its clear that the people that gained access to my account were simply trying to drain my bank account and were well versed in their scam and manner of taking money from their victims. The XXXX transactions started XX/XX/XXXX and lasted up until XX/XX/XXXX. There was a total of XXXX transactions totaling {$2500.00} with all XXXX added up together. Then to finish this all off, there was another set of unauthorized transactions made through XXXX. These started on XX/XX/XXXX and went through XX/XX/XXXX. There was a total of XXXX transactions and they add up to {$3100.00}. All in all the total adds up to {$13000.00} all together and its absolutely ridiculous that this is even possible.
Product: Credit reporting or other personal consumer reports

XXXX showing incorrect payment data for XXXX XXXX. Stating I have 22 late payments and I only had 3.
Product: Checking or savings account

The company advertise the promotion to open a business checking account. The requirement is deposit XXXX and maintain 60 days. I meet all the requirment but didn't receive anything. I have called them 5 times but nobody can help me. I also went to their branch, the agent also called them and didn't get any help.
Product: Debt collection

Dear LVNV Funding LLC This letter is being sent to you in response to a listing on my Credit Report. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 


This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 


At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 


If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 


If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Debt Amount {$220.00}
Product: Credit card or prepaid card

I opened a XXXX XXXX credit card which is banked with synchronie bank. They stopped my card without mailing me any explanation. I called them 3-4 times they said they mailed me a package for me ti fill it out and send it bank. but I never received that package. Because of them my other credit cards are not working. Every time I call they do not give me any explanation or reason why
Product: Checking or savings account

On XX/XX/2023 at around XXXX I was at the STATE EMPLOYEES CREDIT UNION ATM at XXXX XXXX, XXXX, NC XXXX. I went to deposit {$1.00} into my checking account to make sure it works and it took it so I deposited {$1100.00} and the screen shut down and dispensed ONLY XXXX {$1.00} bills back which were the bills I had just put in but never deposited the money into my account and then the screen said no cash deposits at this time
Product: Debt collection

Associated Credit Services attempted to collect on debt already paid. They were notified of this fact on XX/XX/2022 and also notified of paperwork submitted to the Internal Revenue Service ( IRS ). Instead of ceasing their debt collection attempts, they used the personal information contained on the IRS forms ( Social Security number ) and submitted false claims to all 3 major credit bureaus on this satisfied debt. These false claims prevented me from accessing my credit when I was in dire need of accessing it at the emergency room at the XXXX XXXX XXXX. I will hold Associated Credit liable for any and all false claims and retain all rights to sue them under the FDCPA and collect fines and fees owed to me. Furthermore, a W-9 was requested of them on the same day. They have failed to provide said W-9.
Product: Money transfer, virtual currency, or money service

I have requested to withdraw {$180000.00} of my wallet funds out of my account with BlockFI on XX/XX/2022. I have received an email that my transaction is in progress/pending, it states that it takes 2-3 business days for the transaction to process, currently my transaction is still pending to this day as other users have received their funds per social media posts. On XX/XX/2022 i received an email from BlockFi stating that they are pausing withdraws and no actions have been taken since.
Product: Debt collection

I am a victim of identity theft. I did not authorize this transactions.
Product: Credit reporting or other personal consumer reports

Please be advised this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite PREVIOUS written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I learned that an address I did not enter or authorize was on my XXXX credit report. 

XX/XX/2024 XXXX informed me of fraudulent activity. Closed account and issued a new card. 
XX/XX/2024 I learned an XXXX online membership account was created. Not authorized by me. 
XX/XX/2024 Credit monitoring system informed me of hard inquiry on my TransUnion. Not authorized by me. 
XX/XX/2024 I learned a phone number was added to my TransUnion credit report. Not authorized by me. 
XX/XX/2024 Credit monitory system informed me of hard inquiry on my XXXX. Not authorized by me. 
XX/XX/2024 XXXX XXXX emailed & text that I applied for multiple accounts. Not authorized by me. 
XX/XX/2024 XXXX called if I applied for a XXXX XXXX credit. Not authorized by me. 
XX/XX/2024 XXXX XXXX emailed that my usernames were retrieved. Not authorized by me. 
XX/XX/2024 XXXX XXXX XXXX informed me of application for loan. Not authorized by me. 
XX/XX/2024 XXXX XXXX emailed that my usernames were retrieved. Not authorized by me. 
XX/XX/2024 XXXX XXXX emailed that my usernames were retrieved. Not authorized by me.
Product: Checking or savings account

I recently opened a Capital one 360 Checking and savings account XXXX XXXX 2017 using a promotional code I received via email from Capital One. The promotion stated that it was nationwide and that new customers had to enter the bonus code during account opening and too meet the two direct deposit requirements outlined in the offer. I have completed more than two qualifying direct deposits and I still have not received the {$400.00} bonus. I spoke with a representative and he told me the bonus I referenced is for targeted customers only and that he could offer {$100.00}. Now from my understanding the email stated nationwide not targeted customers only. Also if that is true the bonus code should have been rejected during account opening. It is completely unfair for me to not receive the correct bonus amount of {$400.00}. I know other customers who have signed up using this promotional code and did not live in XXXX and still received the {$400.00} bonus. I would like for Capital One to resolve this issue by honoring the {$400.00} bonus and posting it to my 360 Checking.
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 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: Mortgage

Hello, I had a fire claim and initially the full proceeds were told to me from Chase Branch to release funds within 5 days on two installments. 

Then that did not happen. Then I was told 70 percent had to be completed.

I had two inspections, one inspection 20 percent was done.

Second inspection 70 percent was done and still no release of funds so I can finish my job.

Still remaining funds have not been released. I am getting the runarounds and can not finish my job since I am the contractor.
Product: Credit reporting or other personal consumer reports

Please be advised. I have disputed and requested the correction of my personal information numerous times over the past 2 years and each time even more inaccurate information is listed. There are several Non Mailable Address and Several No Contact phone numbers that do not belong to me. There are Employers that are not accurate. 

The following needs to happen. XXXX Name with id number XXXX current address, no email address. XXXX phone number. 

Again I have asked for this several times. it is taken off and then put back on again. I need this correction to be permanent moving forward.
Product: Credit reporting or other personal consumer reports

Portfolio Recovery Association, ACCT # XXXX, is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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. This collection, by law, MUST be DELETED from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I have a bankruptcy that is just on my experian report. I have tried disputing it with them multiple times to get it removed. They say it discharged in XXXX  but it was 2 years before that making it time for them to remove it. Both XXXX and XXXX removed it 2 years ago but experian wont. That is the only negative thing on my reports anymore and it is costing me money by keeping my score down. 
I have tried being nice with them but if they wont remove it after 10 years, I will have to take the next step. Even based on there inaccurate date, it has been 8 years and could be taken off. They just refuse because I am a woman and they dont think I know what to do. 
I am tired of the games and am asking your help in getting them to remove this damaging info.
Product: Student loan

Navient misaccounted for a loan in which the funds were returned by the college I was attending in XXXX. The funds were awarded to me after filing out the fafsa. When I declined to accept the dispursement, it was returned to the lender. I then continued to pay on the loan until I discovered their mistake in XXXX. I paid for the loan from XXXX XXXX to XXXX XXXX when I they acknowledged their mistake and put the loan on Administrative Forbearance. I have been fighting them for all the money I paid for the 6 year period. They have yet to reimburse any funds even after acknowledging the mistake. On top of this, when they put the loan on Administrative Forbearance, their system still reported negatively on my credit report. They have yet to repair that either.
Product: Debt collection

On XX/XX/XXXX I received an email message from XXXX, XXXX with the subject line of " Pre-Legal Account Notification ''. The email was in reference to a debt that had already been settled and paid in XX/XX/XXXX. The email stated that I owed {$5800.00} on a repossessed XXXX XXXX XXXX. This debt was paid by a check from my bank on XX/XX/XXXX in the agreeded upon settlement amount of {$4800.00} to Apple Recovery LLC. The same day I received a text message from XXXX XXXX stating that they had purchased my debt from XXXX XXXX XXXX  and included a file number. I replied " STOP '' to prevent further text messages.
Product: Credit reporting 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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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.