23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, IN, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Re : Request for Debt Validation Account Number : XXXX To whom it may concern, I am writing to request validation of the debt referenced above in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This letter is a formal request for validation of the debt, and until such validation is provided, I request that all collection activity cease.

In accordance with 15 U.S.C. 1692g ( b ), I am requesting the following information to verify the legitimacy of the debt you claim I owe : 1. The original signed contract or agreement between myself and the original creditor, showing that I am legally obligated to the debt, with my signature clearly visible. 
2. A detailed payment history from the original creditor, showing all payments made to the account, including dates, amounts, and any charges, credits, or payments applied to the account.

3. Proof of debt assignment or other legal documentation that establishes your agency 's legal right to collect this debt on behalf of the original creditor.

In addition to the FDCPA, I would like to remind you of the requirements under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that all information reported to credit reporting agencies must be accurate and verifiable. If you are unable to validate this debt in the manner described above, I request that you immediately cease all collection efforts and ensure that this debt is not reported to any credit bureaus.

Please be advised that under FDCPA Section 1692g ( b ), until you provide the requested documentation, you are prohibited from taking further collection actions, including reporting this debt to any credit reporting agencies. Additionally, under the FCRA, 15 U.S.C. 1681c, if this debt can not be validated, you are required to remove any associated negative entries from my credit report.

Please provide the requested documentation within 30 days from the date of this letter, as required by the FDCPA. If you are unable to provide this documentation, I expect this account to be removed from my credit report, and you must cease all collection efforts immediately.

Thank you for your prompt attention to this matter. I look forward to receiving the requested information in the prescribed time frame. 

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

I am writing to dispute account XXXX XXXX - XXXX XX/XX/year> XX/XX/year> on my credit report that has been verified but is STILL reporting differently across the three major credit bureaus. This inconsistency is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e, which mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. In accordance with 15 USC 1666b, I am requesting that this account be updated to reflect that it has always been paid on time, as agreed. The discrepancies in reporting are unfair and negatively impacting my credit score and financial standing. Please investigate this matter and take the necessary actions to rectify this inconsistency. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX On XX/XX/23 I submitted a ftc report and dispute to XXXX, XXXX, Equifax stating that I need to get this removed an alleged account from my consumer report. I have not received a response nor has national credit system complied with my request. this is a violation of 15 U.S Code 1681i ( 6 ) ( A ) and 15 U.S. Code 1681i ( a ) ( 1 )
Product: Debt collection

Midland Credit responding to claim on # XXXX saying that they validated the debt. They did not provide proper validation of the debt and they continue to report to the credit companies. Midland Credit or Midland funding is not a licensed collection agency in the State of Florida. Since they are not licensed in the state of Florida they and not allowed to collect or report on debt on someone who lives in Florida. They by law must close this account and remove any reference of it from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am applying for a mortgage and equifax refuses to remove the fraud alert from my credit report. i have called multiple times to get this fixed and this is still on there
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, a consumer is a victim of identity theft, the credit reporting agencies, XXXX, XXXX, and Equifax has utilized and furnished my consumer report without my knowledge and authorization, consent, and written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear and conspicuous that the consumer has a RIGHT TO PRIVACY! Equifax, XXXX, and XXXX has violated my federally protected right to privacy by failing to meet the needs of Congress by ensuring that they exercise their grave responsibility with the respect to the confidentiality of my personal information. The Fair Credit Reporting Act ( FCRA ) was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and respect to the CONSUMERS RIGHT TO PRIVACY! XXXX, Equifax, and XXXX is in direct violation of the FCRA and the Gramm-Leach Bliley Act of 1999.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal with similar practices, were transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Senex information shared personal private HIPPA medical information about my medical condtion with Bureau of Consumer Finanacial protection. 
they provided a document with all medical proecdures completed on me. this is against the law as per HIPPA
Product: Credit reporting or other personal consumer reports

On XXXX I FILED CFPB COMPLAINT AGAINST XXXX ON SPRING APARTMENTS AND XXXX XXXX XXXX  AND CITED In XX/XX/ I called XXXX XXXX XXXX ( A collection company ) requesting validation of the alleged debt on my credit report by producing the original contract with a wet ink signature. Additionally I sent letters to XXXX, XXXX, and Transunion requesting validation of the alleged debt. In response, XXXX XXXX XXXX sent a letter dated XX/XX/2023, wherein they confirmed an outstanding balance, however they have failed to validate the debt by producing proof of the original contract with wet ink signature. The credit reporting agencies mentioned notified me the debt was " verified '' but failed to outline investigation procedures as requested or produce proof of the original contract. XX/XX/ I mailed XXXX, XXXX, and Transunion demanding the unverified items be removed from my credit report immediately. They have yet to do so and claim XXXX XXXX has continued to verify the debt. Additionally, I am still receiving mailed statements from XXXX XXXX services despite the fact that I have yet to be sent proof of the original contract for this alleged debt. This company is in direct violation of 15 U.S.C. 1692 ( c ), U.S.C 1692 f ( 1 ), AND U.S.C. 1692 ( g ).
Product: Credit card or prepaid card

A credit card has not been open but there was no other category for me to report this issue. Since XX/XX/XXXX to present, there have been repeated attempts through XXXX to open a Chase credit card in my name. The request is not approved as more information is being requested and because I already have an XXXX Chase card. The problem is that I must call several times a month every time I get a letter, go through the whole process, reopen a fraud alert, and neither XXXX or Chase have changed their process. I am told by the fraud folks at Chase, this is a known issue and they are waiting on a fix but in the meantime I must call every time, have the request to remove from my credit report, and extend my fraud alert. Both XXXX and Chase should know this is repeated against my name and Social and advise the person requesting that the request can not be open and to call a special toll free with Chase fraud or XXXX I should be sent notification that another attempted occurred, no action needed, and they have me protected. This should n't be that difficult to flag my SSN and since I do have a fraud alert, why does n't XXXX or Chase change what they have communicated to me or the person requesting the card. In addition, I have moved and the notices from Chase are sent to my old address since that is what the fraudster is using for the new applications. This shows a clear lack of agility by XXXX  and Chase to handle the increasing fraud attempts. While I am happy that no card had yet been issued, if I did not already have a card with XXXX Chase, and if I was not calling every week to close out new requests that one would have been issued. 

Update XX/XX/XXXX I now have over 20 applications and Chase/XXXX has yet to improve their process and I am required to call in every time, file a fraud alert, and they have yet to improve their process to detect these fraudulent applications. I should not be held hostage to their lack of investment in fraud detection and their excuses around inability to prevent an application. They should react both to my fraud alerts and have a special flag for my account based on over 20+ fraudulent attempts.
Product: Mortgage

I unfortunately have a home mortgage with Wells Fargo. My total mortgage payment including escrow is approximately {$2300.00}. Prior to sending the payment due on XX/XX/2018 I contacted Wells Fargo and advised them that I would be sending in additional money with the mortgage payment. I instructed Wells Fargo to apply all of this additional money ( approximately {$30000.00} ) to the principal portion of the mortgage. I was assured by Wells Fargo that the additional money would only be applied to the principal and my account was noted by the representative reflecting this. I was in fact told by Wells Fargo that additional money can only be applied to principal. I submitted the XX/XX/XXXX payment as explained and weeks later received my statement in the mail. I found that some of the additional money sent in was not applied to principal but was instead applied to future payments. Ive experienced this issue before with Wells Fargo and that is why I contacted them before sending in the XXXX payment. Wells Fargo has many excuses why again the additional money was not applied to the principal. I was told there were coding issues with the account. I was told that Wells Fargo likes to apply a future payment of at least one month from any additional money sent in. I was told that Wells Fargo has problems processing online payments. Ultimately Wells Fargo in my opinion is committing a deceptive business practice by applying the additional money to anyplace other than the principal. Especially since I notified them before sending in the payment and which they acknowledged. In my case Wells Fargo benefits directly in terms of not applying the additional funds to principal and I as the consumer lose by getting to pay Wells Fargo additional interest. I contacted the Executive Relations Department at Wells Fargo and the XXXX payment was eventually reversed and applied correctly. I believe Wells Fargo should be investigated or at the very least should be compelled to issue a formal response as to why this happened. Again, this has happened before when I sent in additional funds and I had to fight Wells Fargo to have the money applied correctly. I would like a formal response from Wells Fargo myself. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA XXXX account XXXX has violated my rights. 15 U.S.C. 1681 section 602a states I have the rights to privacy. 15 U.S.C. 1681 section 604a states a consumer reporting agency can not report my personal information without my written instructions. I didnt give Experian or anyone permission or written instructions to report this account. I demand that Experian delete this account immediately based on this FCRA U.S. codes.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Equifax : XXXX, XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXXXXXX XXXX XXXX Equifax : XXXX has violated my rights. 

I have already disputed these accounts with the bureaus but they did not remove them, nor prove validation under Sec. 609 FCRA.

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
Product: Vehicle loan or lease

On my credit report it is saying I haven't paid for my vehicle since XXXXXXXX XXXX XXXX when it was repossessed for losing employment due to covid. Now my subframe is rotted off my car and is no longer safe to drive so I am paying for a vehicle I can't even use. Can't get another loan or into another vehicle because my payments are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I sent certified letters to all three credit bureaus, Equifax, XXXX and XXXX requesting removal of unauthorized inquiries. They returned a letter stating they would not remove them and I needed to contact the creditor directly. I again on XX/XX/XXXX mailed all three bureaus letters requesting them to remove the inquiries and I also included a copy of my police report from my fraud/theft claim as someone had stolen my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified my certified mail the credit bureau named Experian 3 times to validate and verify 2 accounts on my report. They come back with " verified '' or updated on my report. I asked for proof of verification to show me how this is indeed my debt and they never have any signed contracts or proof to send back.
Product: Checking or savings account

XXXX  put all your feet at {$35.00} on my account. I get money once a month and I told the lady to take all of it off she took half of it off and they still charge me {$46.00}. I dont have it the ladies was very rude and disrespectful.
Product: Debt collection

There is an old debt from XX/XX/2011 that XXXX and XXXX, XXXX. ( XXXX. XXXX XXXX XXXX, MN XXXX ) had filed and sued me in another State without my knowledge to complaint. The debt is too old for law to allow for any sued to be done now. They constantly send people to my ex-wife 's house or call my number or my ex-wife 's house threatening with wage garnishment or collections. I have had nemours conversation with them to stop harassing my kids and my ex-wife but the harassment continues. I just want the daily calls to my family to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX 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.

15 USC 16668 : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

The green state credit union and XXXX consumer reporting agency are violating at least two of the clauses of 15 U.S.C regarding the reporting of a charge off as debt and as an open account. Green State continues to furnish this account information as debt when they clearly charged this account off and it's not only canceled debt but pursuant to the IRS its now considered income of which I have to pay taxes on. as XXXX and Greenstate is very much aware income can not be furnished on anyone 's consumer report XXXX XXXX XXXX ( a ) ( i ) they have claimed tax credit and is still furnishing on my consumer report as debt Secondly it is being reported as an open account. this violates 15 U.S.C 1681 e.b recently i had an identity theft issue and XXXX checked all accounts but came back as verified and accurate on this issue when it is not.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE Account type - Credit card Date opened - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Above Account created under CAPITAL ONE, I was never late for payment of the account as I have setup an autopay system for my account. This is a billing error. 
According to 15 U.S. Code 1666b this is a billing error always paid as agreed on time this is an error this account in violation.
Product: Credit reporting or other personal consumer reports

I did not give the company, Corelogic Credco Llc permission to run my credit and would like for the hard inquiry to be removed immediately.
Product: Credit card

On XX/XX/2023, a fraud charge was made on my Apple Card account for the amount of {$2800.00} at a XXXX merchant store. I never made this transaction. 

On XX/XX/2023, I've lost my phone and wallet while traveling. Notified my banks/card accounts. And, I locked my iphone icloud account as well. 

Apple Goldman Sachs is not willing to provide me evidence to the dispute charge. The charge is fraudulent. Apple/Goldman Sachs is unwilling to reverse the fraudulent charge that was made on my account on XXXXXXXX XXXX XXXX I never made this purchase. 

Please help.
Product: Debt collection

Please validate the following debt with the assignment contract chain : XXXX XXXX XXXX # XXXX Portfolio Recovery # XXXX I request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

In order to verify the legitimacy of this debt and ensure that you have the legal authority to collect on it, I request the following information : 1. Complete Validation of Debt shown above : - Provide the original agreement or contract that created the debt, signed by me.

- A detailed breakdown of the amount claimed, including the principal, interest, fees, and any other charges.

2. Assignment and Chain of Custody of Debt shown above : - Documentation showing the assignment, sale, or transfer of the debt from the original creditor to your agency. This must include a complete chain of assignment from the original creditor to you, showing every intermediary that held the debt before it was assigned to your agency.

- Copies of any assignment contracts or agreements, including any agreements between the original creditor and any debt buyers, and between any subsequent debt buyers, leading up to your agency.

3. Proof of Licensing and Authority of debt shown above : - Proof that your agency is licensed to collect debts in my state of residence and that you are legally authorized to collect this debt. 

Please consider this a formal request for the assignment contract chain, and provide me with all pertinent information, including but not limited to the documents listed above, within 30 days of receipt of this complaint. 

If your agency can not provide the requested validation and assignment chain documentation, I will consider the matter closed and will expect any negative information to be removed from my credit reports with all credit reporting agencies in compliance with the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I request that all communication regarding this matter be conducted in writing and sent to this address : XXXX XXXX XXXX XXXX NY XXXX Thank you for your prompt attention to this matter.
Product: Debt collection

I contacted Hunter Warfield in regards to an invalid debt they are reporting on my credit report. I requested a validation of debt, which after 30 days Hunter Warfield was unable to verify the debt and sent a letter stating they would suspend any debt collection and reporting to the credit bureaus. I received the letter on XX/XX/XXXX and on the same day I disputed the debt with XXXX   who came back and said the debt was still valid, because the creditor was still reporting the debt. I contact Hunter Hunter Warfield on XX/XX/XXXX and they stated they are still reporting the debt. I spoke with a manger at Hunter Warfield who requested the letter they sent me and told me they would look into it. They continue collection calls daily and tell me they are still reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX TransUnion FACTUAL DATA Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion I hello, I reviewed a copy of my current credit report and I show the inquires above are fraudelent and I have sent a copy of FTC report to request removal. I have not be successful and need these removed due to attempting to purchase a home.
Product: Money transfer, virtual currency, or money service

A transaction error occurred on XX/XX/2022 while I was trying to transfer funds from a checking account with Chase bank to a XXXX XXXX checking account using XXXX pay. The transaction was for the amount of {$1000.00} and was sent to an incorrect account due to an error in the phone number. Within 5 minutes of realizing the error, I reached out to the unintended recipient of the funds and reached out to Chase bank to notify them of the error. Chase bank responded that they would reach out to the recipient bank and would open an investigation. Within 3 days, I received an electronic letter notifying me that the dispute was closed and that Chase bank would not be doing a reversal. All attempts to reach out to the recipient failed.
Product: Student loan

I feel Navient does not make it easy enough if you want to pay off your loan early. Every other lender I deal with whether a car, credit card or personal has easy to find links on you account page for a payoff quote. Navient makes it so difficult it is frustrating ... there should be a payment option for payoff, not just " over-payment '' that does me no good. Stop trying to discourage from paying off early, I have already been paying on the loan for 15 years ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested my annual credit report using XXXX. fromXXXX, Equifax, and XXXX. I received XXXX 's report without issue. I have made mutiple request to Equifax and XXXX multiple times. Equifax and XXXX never cooperate. When free a free credit report is requested Equifax and XXXX continually refuse request with error submissions. I have read multiple complaints expressing the same issues over and over. It appears to be an online tactic by XXXX and Equifax to discourage the consumer from seeking free report to the point we will just pay for the report. 
XXXX has no online problems furnishing the annual credit report thru XXXX or correcting any incorrect information on consumer 's credit report when requested so I ask " If XXXX can comply with furnishing Annual Credit Reports without issues, Exquifax and XXXX should do the same ''.