23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

While reviewing our credit rating on XX/XX/XXXXwhich has been excellent we noticed a negative entry which was unknown to us. A small amount of money was supposedly owed to Macy 's which we had no knowledge of. This debt allegedly occurred possibly in XX/XX/XXXX or XX/XX/XXXX. XX/XX/XXXX???!. We do n't even have a Macy 's credit card. We contacted Macy 's and they referred us to the Credit Card company .... as well as their loss protection/fraud department. Telephone calls have continued to be placed to the credit card company as well as the Fraud Dept despite a collection agency assuming the money owed. The amount went from under {$50.00} up to over {$300.00} and we 've continued to receive letters demanding payment. I 've sent certified letters to the Fraud Division, Macy 's CEO as well as the collection agency demanding proof of the money owed. They keep asking for credit card numbers and we have NONE. Recently the collection agency told me the account was referred back to Macy 's. A week later we received another demand letter. We have spent over {$45.00} in certified mailings and this thing continues. Had I not asked questions regarding the negative entry on the credit score who knows where this would be.
Please stop this harassment.
Product: Credit card or prepaid card

According to bank statements on XX/XX/XXXX a XXXX XXXX XXXX XXXX started making charges on my debit card that was in my possession in XXXX XXXX XXXX 
a XXXX search shows the XXXX prefix at the beginning to mean the merchant is using XXXX ( a service used by a business to charge credit cards ). A search using the XXXX website shows XXXX XXXX XXXX XXXX  to be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no idea who this is or what they do. I have no business with nor have I had any contact with this business. I did not give them any information and I did not authorize them to make any charges to my card. According to the bank statement at Bank of America the charges started on XX/XX/XXXX and there were 8 charges between XX/XX/XXXX and XX/XX/XXXX XX/XX/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 that I do not know and did not authorize. 
I have no who this is or what they do. I have no business with nor have I had any contact with this business. 
I did not give them any information and I did not authorize them to make any charges to my card. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEBIT CARD XXXX XXXX I noticed the charges on XX/XX/XXXX I called Bank of America and reported all unauthorized charges. I called back on XX/XX/XXXX and was told the XXXX XXXX XXXX' charge had not been reported so they opened a case for that one then. 

After hearing nothing I called back on XX/XX/XXXX. This is when I was told they had found the claim not in my favor. The reasons given was there was a deposit before the charges started. The deposit was from XXXX and unrelated to the unauthorized charges. There are deposits from XXXX every other Friday and have been for years. 
The other reason was they determined I had " an existing relationship with the merchant '' this is untrue and they based it on a charge to a completely unrelated merchant that also used square. Their " investigation '' simply amounted to, there was funds in the account and I had purchased from a different unrelated business that used the same credit card processing company. This is at best incompetent and seems to be more dishonest than incompetent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided ny state higher education with proof that XXXX XXXX in XXXX NY went bankrupt. Hundred of former students of XXXX XXXX XXXX NY are eligible for part of a XXXX XXXX settlement regarding their student loan. The settlement was reached between a coalition of 13 attorney general, federal agencies and XXXX XXXX XXXX the firm handling loans for the former XXXX college which own XXXX XXXX. As part of the settlement anyone who borrowed and we're attending XXXX XXXX when it closed or defaulted will receive a discharge or 55 percent discharged. I fell under that. I contacted Borrowers defense they had me put in a application to apply for discharge until they make a decision on the application they put my loan which is in default status in forbearance status on XX/XX/2019. I'm trying to get them to change my status from delinquent to current status on my credit report since I'm in forbearance until Borrowers defense make a decision. I don't think I should be paying on a loan to a school that went bankrupt and made students promise of getting a good paying job. I couldn't even use there credit at other schools.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. This is a violation of the FCRA section 602 ( a ) & FDCPA section 809.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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
Product: Payday loan, title loan, or personal loan

I applied for a short-term loan on or about XX/XX/XXXX. After going through the application process ( which included putting down my SSDI benefits - this was verified electronically from my bank by them ), I was presented with a contract. After I read the contract, I SIGNED it. Then I was informed that I would be notified in 24hrs of their decision. I called on XX/XX/XXXX and was informed that my income was insufficient. 
1. They verified my bank account and SSDI deposits before the contract 2. I have a signed contract. It has the amount to be borrowed, the payment schedule and the interest, as well as a promissory note. 
3. Nowhere on that contract did it state that the loan was still under review, or that it was NOT the actual loan agreement. 
I would not have signed it otherwise ( They were told so ). I would not have signed it because I would be unsure if the terms would change. 
Again, I have a SIGNED contract with oppLoans - this after the did their checks I had applied for their loan several months previously, and was told that all that remained was my signature ( I refused - didn't like the terms ). They even emailed a copy of the contract ( unsigned ). This time they didn't do so. I took photos of the contract, however. I will try do send them. Notice that the signature date is the XX/XX/XXXX, but the document date is the XX/XX/XXXX ( didn't notice that before )
Product: Credit reporting or other personal consumer reports

This serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. You are also violating my rights undeXXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX ) by failing to provide transparency and accountability in your collection practices. 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 also adding responses from XXXX XXXX and XXXX and the note recived from XXXX XXXX as they did not send me a letter XXXX XXXX, XXXX ( XXXX ) has reviewed the complaint filed by XXXX XXXX. Based on the content of the complaint, XXXX is unable to locate record of previous communication from the consumer. The disputed items listed on the complaint and supporting documents are not included in the consumers file at XXXX. If XXXX XXXX would like to obtain a current consumer disclosure report, a request may be submitted through the secure consumer portal at XXXX, by voice messaging at XXXX, or by mail to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. If XXXX XXXX disputes the accuracy or completeness of any information contained in their XXXX XXXX file, a dispute may be submitted through the secure consumer portal at XXXX, by mail to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, or by calling XXXX and selecting disputes or the caller may select other options to be transferred to a representative. In accordance with the FCRA, the consumer may provide a valid identity theft report signed by a XXXX XXXX XXXXXXXX or police report filed with a law enforcement agency that clearly supports the claim of identity theft or fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received notification that I received a credit inquiry from a company listed as " XXXX '' which was listed on all major credit reporting agencies. I did not authorize this inquiry. I contacted the reporting company, and they have yet responded to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of fraudulent accounts from my credit report. I have discovered that my personal information was used without my consent to open the following accounts : Account name : XXXXXXXX XXXX, opened on XX/XX/XXXX, with a balance of {$3000.00} Account number : XXXX Account name : XXXX XXXX XXXX, Date opened on XX/XX/XXXX, balance : {$2500.00} Account number XXXX Account name XXXX XXXXXXXX, Date opened on XX/XX/XXXX, balance {$3000.00} Account number : XXXX Account name XXXX XXXXXXXX, Date opened on XX/XX/XXXX, balance {$3000.00} Account number : XXXX Account name : XXXX, Date opened on XX/XX/XXXX, balance {$4000.00} Account number : XXXX Account name : XXXX, Date opened on XX/XX/XXXX, balance : {$4900.00} Account number : XXXX I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and a police report with my local law enforcement agency. 
For over 120 days, I have been consistently submitting disputes to your agency regarding these fraudulent accounts, yet the information remains on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that you conduct a reasonable reinvestigation of the disputed information to verify its accuracy and promptly delete any inaccurate, incomplete, or unverifiable information from my credit report.

Furthermore, under the FCRA, 15 U.S.C. 1681c-2, I am requesting that you block the fraudulent accounts listed above from appearing on my credit report. The FCRA requires credit bureaus to block the reporting of any information related to identity theft if the consumer provides appropriate documentation, including a copy of an Identity Theft Report. 
Under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to complete the reinvestigation within 30 days of receiving my request. Failure to comply with this provision may result in legal penalties and civil liability. Additionally, I would like to remind you of your obligations under 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), which requires you to promptly notify the information furnisher of my dispute. If the furnisher is unable to verify the disputed information, it must be removed from my credit report.

Please note that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you must complete the reinvestigation within 30 days of receiving my request. Failure to comply with this provision may result in legal penalties and civil liability.

In addition, I would like to remind you of your obligations under 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), which requires you to promptly notify the information furnisher of my dispute. If the furnisher is unable to verify the disputed information, it must be removed from my credit report.

I expect a prompt response to my request, and I will consider any unreasonable delays as a violation of the FCRA. To protect my rights, I have documented all communication related to this matter. I also request that you provide me with written confirmation of the removal of the fraudulent accounts from my credit report.
Product: Money transfer, virtual currency, or money service

I have XXXX USD in my balance and I can't either withdraw it either transfer it, it's been now more than 4 months.
Product: Checking or savings account

Our account with USAA got scam by using my wife driver license image to draw money from our account. I disputed the withdrawal in the amount XXXX dollars but with scammer using my wife ID it is very difficult...
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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.
Product: Debt collection

I am writing to you regarding a fraudulent account that has appeared on my credit report. I demand the immediate deletion of the said fraudulent account from my credit history XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

VAnce and Huffman opened a collections account on my credit reports on XX/XX/20 in the MIDDLE OF A PANDEMIC!!!. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. You cant place something on my file before you allow me 30 days to dispute! This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with VAnce and Huffman. This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP! I will sue!
Product: Vehicle loan or lease

my car was repo on XX/XX/XXXX but looking thru my receipts i have finish paying for the car in full even have paid more then the balance due i have been requesting a payment history of payments i have made to first credit finance they just tell me it has been put in the mail but have not received anything my car is expected to be sold in the auction in the next days but now i call and my calls are not being answer and i have proof that my car has been paid off and they will not send me the payment history to clear this matter also they have stop sending me invoices since last year around XX/XX/XXXX ever since have not received any statements from them they had just been calling regarding payments that i had send in, i called on XX/XX/XXXX requesting copy of my contract and payment history at the same time only received copy of contract called again on XX/XX/XXXX the assured me it had been put in the mail on XX/XX/XXXX it is today XX/XX/XXXX i have not received it and have not return my call. i do have proof of payments but i need my payment history to compare the amounts
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending a letter to XXXX XXXX and getting no response I filed a complaint with the CFPB requesting that the validate NOT verify a debt that they are attempting to collect from me and have yet to receive a response. After disputing the account with Equifax, I asked for validation from Equifax. I specifically asked for a signed agreement and other supporting documentation. They provided me with a letter stating the account was verified which does not prove that I am responsible for this debt. Neither the credit bureau, nor the collection agency provided me with proper legal validation of the account. They are reporting delinquent information on my credit report that I am asking to be deleted based off the following sections of the FDCPA : 15USC 1692c ( a ) ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- And 15USC1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Product: Checking or savings account

My father opened my bank accounts sometime when I was a child. After becoming an adult, I requested the bank remove him from my account. My father and I both went to the bank and filled out paperwork to have him removed from the account. 
Years later, he is still getting emails about my account balances. I have reached out to the bank, and they agreed he is not on file and a shared owner. My contact info is the only information they have for me, but he is still getting emails about my bank balance ( including the last XXXX of my account number ). This is a violation of my privacy and a mishandling of my financial data.
Product: Credit reporting or other personal consumer reports

XXXX BANK IS REPORTING A FRAUDULENT ACCOUNT ON MY NAME AND CREDIT REPORT