23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : Account number : Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX GA XXXX Dear ( Hunter Wakefield ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Credit reporting or other personal consumer reports

last year my wallet was stolen when i went inside to grab my child from daycare it contained my drivers license and my social security card so i know for a fact that my identity was stolen and credit cards getting applied in my name i have proof when i went in the XXXX and social secuity administrtion to grab new documents because they was stolen i even filed a police report but i was not able to recieve any help because the daycare didnt have any cameras so they was not able to find out who did it i cant buy a home like i wanted and i cant apply for a morgage because my XXXX XXXX is terrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX and 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 an account without my written instructions
Product: Debt collection

IQ Data is claiming that they can not address this issue with CFPB because I have retained an attorney. There is no indication of that in this complaint Ref # CFPB XXXX. This is simply a dodge to not address the issue of the complaint that the debt is not valid as the person filing it did not have the authority to do so, I submit the small claims case as evidence that this person is the same as that filing the collection.

IQ Data has been attempting to collect on a debt for the past four years that was signed and forwarded to them by one XXXX XXXX representing XXXX XXXX XXXX, XXXX  XXXX XXXX, and XXXXXXXX XXXX XXXX  XXXX XXXX. On XX/XX/2019 XXXX XXXX stated, under oath, that she did not have the authority to attest or sign legal documents. She was only the community manager. The debt claimed by this collection agency was signed by the same XXXX XXXX and was based on legal documents of an alleged debt by, once again, XXXX XXXX. The debt is either invalid or the entities above have perjured themselves in court. The debt is in either case invalid and not verifiable. The collection agency would need to provide another signed document by an authorized party, from the inception of that debt or else remove the debt from all bureau reports. Enclosed is the case number and hearing information where I was required to refile against a party with legal authority. XXXX XXXX was present as the defendant for the entities and not qualified by her own admission to being a legal authority to handle financial matters for the property.
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not removing files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following items as they are fraudulent & were opened without my consent or knowledge In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Credit card or prepaid card

Hi : I have set my auto pay of my BOA credit card as statement balance. My Last Month 's Balance for my BOA credit card is around {$9600.00}, it is not a small number and I do not want to keep large amount of money in my chase checking account for a long time, so I choose to pay the full statement balance manually in advance from my chase checking account. But BOA auto pay submit a payment request for the same amount again. It is very insane to charge me {$9600.00} when my current balance is XXXX.

BOA auto pay is very inconvenient. It does not have option of remaining balance while other banks ' credit card has such option. If I pay manually, the auto pay will pay again. I called BOA customer service and they said they can not cancel the payment from their side when it is in pending status. I called chase and they said they can not stop the transaction without paying {$30.00} stop transaction fee. I can not find an option to stop the transaction without pay some fee. Although BOA promised me to refund me when the transaction get posted, payment statement balance twice affects my cashflow. It is like I lend money to BOA and they do not pay interests to me. I believe this is not only a problem for myself, since BOA auto pay do not provide remaining balance option, many other people have paid statement balance twice if they choose to pay manually before the date of auto pay. BOA borrows money from their user without pay any interest, which is very inreasonable. 
I will call BOA later to refund me the money after payment get posted I have two request to prevent the issue in long term : 1. BOA make it possible to cancel pending payments for their customer service team 2. BOA add remaining balance to their Auto Pay in Mobile App Thank you very much Best regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have an auto loan with XXXX. I have been up to date on payments for the last XXXX months. However, it seems that everytime they report my balance information it goes up and down and every the report the balance as increasing Im reported by Equifax and XXXX as being delinquent. 

I went to the bank and questioned it and they said they will look into the issue. I sent an email a month ago and was told it would be looked at by Managment I have yet to have a resolution and have missed payments showing on my credit report which is bringing down my score that I am trying to rebuild.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 XXXX XXXX, XXXX XXXX, inquired my credit in two times this year. Those inquiries were identified as Hard Inquiries rather than Soft Inquiries. The reason to understand that must be a soft inquiry is because my mortgage loan is under a Loss Mitigation review to achieve a loan modification because my unemployed. 

The inquires were performed in XXXX and XXXX. 

I request to change the inquiries to a soft since the process working with XXXX XXXX is for a Loss Mitigation and not to request new credit. 

Below are the definitions as CFPB link.

Hard inquiries. These are typically inquiries by lenders after you apply for credit. These inquiries will impact your credit score because most credit scoring models look at how recently and how frequently you apply for credit.

Soft inquiries. These are reviews of your credit file, including reviews of existing accounts by lenders, prescreening inquiries by prospective lenders, and your requests for your annual credit report. These will not change your credit score. 

Additionally, XXXX XXXX must change the internal guidelines to any borrower who is working under the loss mitigation program all credit inquiries be identified as soft inquiry. 

Thank you!
Product: Checking or savings account

I have banked with Citi for more than 25 years. In late XXXX of this year, I deposited a check I received for some consulting work. It appears that the check was fake. Even though I was a victim here, Citi froze all my funds, more than {$70000.00}. The bank has refused to allow me to close the account and has refused to allow me to withdraw my funds. I have made numerous efforts to get an explanation for why my funds were frozen, and I have made numerous efforts to get the bank to release my money. Citi has refused. Furthermore, Citi has refused to tell me why my accounts were frozen. As a result, I have suffered serious ongoing hardships. 

Please help me.
Product: Mortgage

In late 2013, I contacted my mortgage company ( Wells Fargo ) regarding modification to an existing loan. I was having difficulty financially and saw federal government advertisements on tv & on billboards for loan modifications for those who are struggling. These ads stated that in order to avoid foreclosure, contact your mortgage company for assistance - that 'help was available '. When I contacted Wells Fargo, they said they could not help me " because I didn't make enough money ''. At this point in time, I had not one single late mortgage payment but simply needed help to make the payments more manageable & avoid foreclosure. 

I feel this was an error on their part & that because of their bad business practices, I was forced to relocate out of state & sell my home at a substantial loss. I wish for this case to be reviewed & Wells Fargo be held accountable for any erroneous business practices.
Product: Credit reporting or other personal consumer reports

There was a recent issue where my credit file was mixed with someone else. So I disputed the accounts. Specifically XXXX car loans. XXXX and XXXX XXXX. I have no signed contract or have I ever obtained loans with them. The accounts appear open on my credit. I spoke with XXXX last year because I had a similar issue with another credit bureau and the situation was fixed. Its been more than XXXX  days since I disputed the information with Equifax. I never received an update and the information on my credit is false and unverifiable. Both companies verified I have no loans in their system. Furthermore my credit file shows as being locked. A creditor was able to actually pull my report and the fraudulent account show in result I was denied credit. When I login into my Equifax the information doesnt show but Equifax presents these fraudulent account to creditors. There are multiple accounts that appears as open on a consumer report but when I contacted the creditors on the report they stated they dont have my information in their systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking Experian, XXXX, and XXXX to investigate my account it has been over 30 days. Those consumer reporting agencies are in notation. 
According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days or less to investigate and send me the results. 
And they also didn't even record the current status of the disputed information which is another violation I have all the evidence attached below - Pictures of credit report -Receipts of certified mail
Product: Credit reporting or other personal consumer reports

I have been a victim of identity fraud theft and in results there are inquires not authorize or done by me I have previous sent in supportive documents I am requesting the following to be removed ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

In XX/XX/2019 I created XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the name XXXX XXXX XXXX and received the XXXX letter. At the state level I accidentally created the name XXXX XXXX XXXX. When receiving a check from a customer it was made out to XXXX XXXX XXXX. I brought this to Chase bank and opened a business account along with the paperwork from the IRS. The setup my account and deposited the funds. Within a week I received a letter which stated the discrepancy between the account names and this must be corrected or the account will be closed and funds issued as a cashier check. Due to some delays and personal family issues I did not react fast enough and the account was closed. They issued the account balance as a cashiers check made out to XXXX XXXX XXXX. I tried to deposit this in another personal account but this was not possible due to the name being made out to my business. I asked XXXX If I update my business name can I deposit the check in the new account and they said no because my account name will not match the cashier check name. So I contacted XXXX and requested they re-open my account under the original name. This was declined because they put a hold on a new account with this name. Finally I was able to go to another branch and ask them to work on fixing this. They made several attempts to re-open the account and asked to have my cashiers check. They shredded it and now when trying to re-open an account I do not have the check. I signed an affidavit that the check was not in my hands anymore. They are trying to re-open the account under the original name and cut a check in my personal name then close the account. It is now mid XXXX and this has prevented me from depositing future business checks and correcting my business name with XXXX. I have asked if this can be escalated to a higher authority but they said no only at the branch level. After fighting them for over 5 months I am starting to suffer significant financial loss and seeking to get help from an attorney. Please help! Other bankers have said this is the most unprofessional thing they have seen in over 30 years!!
Product: Consumer Loan

Date of purchase : XXXX/XXXX/XXXX Reason for Complaint : The contract written up by XXXX XXXX was not completed properly. In the Federal Truth-in-Lending Disclosures box the Total Sale Price is incorrect by {$4100.00}. I received a correction letter from the lender, Ally acknowledging the mistake on the contract, but due to the fact that the mistake is in the Federal Truth-in-Lending Disclosures box, violating the Fair Credit Act of XXXX, sections XXXX & XXXX, this letter is not sufficient. This mistake makes the contract null and void. Yet, it was still accepted and funded by the lender. 

After talking to the lender on recorded lines, ( first to XXXX - employee # XXXX XXXX and second to XXXX - employee # XXXX XXXX, they tried multiple times to say that they would just have their administration department make the changes to the contract, which is not legal due to the location of the mistake on the contract, and tried to manipulate the conversation to make it seem like I was asking them to make the changes to the contract. 

Finally, I spoke with a Supervisor named XXXX - employee # XXXX XXXX multiple times over a 1 week period to XXXX - employee # XXXX XXXX ) I was told that I was correct that the contract is not valid, that the mistake is not my fault, and that I was not responsible for paying it. I was also told that if it were to happen again in the future, I would be liable and if I do n't pay my credit would be negatively affected. She was supposed to get in contact with XXXX XXXX to inform them of the situation and unravel the deal and then call me back. She never called me back, so I called her. She then proceeded to tell me that both XXXX XXXX and Ally agree that the contract is sufficient, and that I am ultimately responsible after all. However, as mentioned before, the contract violates the Fair Credit Act of XXXX, sections XXXX & XXXX, this letter is not sufficient. This mistake makes the contract null and void. 

Copies of the contract and correction letter are attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} AFFIRM XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4600.00}
Product: Credit reporting or other personal consumer reports

I don't recognized or have giving any authorization for this company to run my credit. 
XXXXXXXX XXXX XXXX XXXX  XXXX XXXX NA- XX/XX/XXXX Transunion Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX 2 . 15 US-CODE 16921 XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 9. i I do not make this inquiry. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit card

This complaint is against Paypal and Paypal Credit ( operated by Synchrony Bank ). 

Paypal Credit is charging me a {$30.00} penalty fee since I could not pay the minimum amount due on the due date.

Paypal had all the banking information, and because of an online issue, my bank account details were lost by Paypal. I have tried to call Paypal several times since XX/XX/2023 and tried to resolve the linked bank account issue. The Paypal Credit is only accessible from the Paypal App / Website, and Paypal Credit ( synchrony Bank ) does not have a separate screen where we can add our bank account details. 

Paypal Credit inherits the bank details from PayPal and has the same branding as the two websites. I have tried to talk to Paypal and Paypal Credit at length to resolve the issue, but Paypal Credit says it is a PayPal problem and vice versa.

This increases my burden on payment processing and dispute resolution as I have to contact two companies to resolve the same issue. It also feels like a very deceptive business practice as PayPal owns my transaction relationship, not PayPal credit.

I want PayPal and Paypal Credit to reverse the transaction and credit the inquiries they have made. I also want a written letter from Paypal and Paypal Credit that this issue has been resolved and that they are implementing harmonized business practices that do not harm hapless customers moving from one call center to another.
Product: Credit reporting, credit repair services, or other personal consumer reports

My TransUnion credit report shows two inquiries that shouldn't be on it. On two different occasions, I disputed those inquiries for their inaccuracies. I submitted letters written from the companies that ran the inquiry.

One company stated that they had NO documentation, no proof of permissible purpose for my credit being run on XX/XX/2018. That inquiry was : TransUnion Rental ScreeningXXXX XXXX. TransUnion has failed to remove that inquiry. The inquiry remains on my credit report. It is inaccurate and unverified and it needs to be deleted. I have attached the mentioned letter for proof. 

The second company, XXXX XXXX, submitted a request to TransUnion to change an inquiry that they made on XX/XX/2018 from a hard inquiry to a soft inquiry. The inquiry remains on my credit report as a " Hard '' inquiry. TransUnion has ignored the request from XXXX XXXX to change it to a " Soft '' inquiry. This inquiry was reported wrong and needs to be updated as stated or deleted. I have attached a letter that XXXX XXXX wrote to me informing me of their request to TransUnion for proof.