23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am reaching out to request the validation of a debt associated with an account. Additionally, I would like to explore the possibility of settling the account if validated while seeking an arrangement for the permanent deletion of the account from my credit report. 

I kindly request your assistance in providing the following information for debt validation : 1. Original creditor 's name and contact information.

2. Account number and date of debt inception.

3. Detailed breakdown of the claimed amount, including any interest or fees.

4. Supporting documentation demonstrating my liability for the debt.

I kindly ask for your prompt support in providing this information within 30 days. To ensure fairness, I also request the suspension of any collection activities related to this debt until its validity is confirmed. 

Once the debt is validated, I am eager to discuss a settlement arrangement. Furthermore, I kindly request an agreement to permanently delete the account from my credit report upon successful settlement. This mutually beneficial arrangement would allow me to rebuild my credit history without the negative impact of this debt. 

I truly appreciate your understanding and cooperation in this matter. Please kindly reply to this email or arrange for an appropriate representative to contact me. I am available at the provided email address or phone number to discuss the next steps or provide any additional information required. 

Thank you for your attention, and I sincerely hope for your assistance in reaching a fair resolution.
Product: Credit card or prepaid card

They reported late payment onto my Credit Report on XX/XX/2018, HOWEVER, I called on XX/XX/2018 to get it removed upon full payment of my account. She agreed to it on the phone and I paid the card in full on XX/XX/2018. 
I called on XX/XX/2018 to verify it and Fidelity Representative stated that it is true that she verbally agreed on the phone to remove the late payment on my account and ensure that it will be removed on the credit report or not be reported at all. She also stated to have had experience doing this. 

Unfortunately it did not happen and the supervisor repeatedly stated it did not matter she said that and they will not remove it.
Product: Checking or savings account

On XXXX I tried withdrawing money from a Santander Bank ATM in XXXX at the XXXX XXXX XXXX XXXX but the money was not dispensed. After getting home and noticing that the money was debited from my account I called on the XXXX. I filed a claim with a rep on the XXXX the claim number for this call is XXXX. After calling back a few days later I was told the claim was closed and that it was determined that the money was dispensed. The representative then told me that there is video evidence that proves the money was dispensed and that the video will be sent to the nearest branch so that I could see the evidence for myself. This call happened on Saturday the XXXX of XXXX. The representative told me that another representative would call me on Monday the XXXX to give me an approximate date for the arrival of the video. I was n't given a reference number for this call as it was a response to the first call. I then called today the XXXX of XXXX to check on the status of the video being sent because I did n't receive a call from the representative and I am obviously anxious about my {$200.00} being lost and equally anxious to see the video. The new representative on the XXXX told me that she could not promise I would get to see the video because it is private property of Santander Bank. She proceeded to reopen the claim and gave me a new case number : XXXX. I am willing to take the case to small claims court to be provided the video evidence. I 've been banking with Santander for over a year now, have used their ATM many times and have never put in a claim. Why would I all of the sudden need to fake a claim for {$200.00}? All I ask for is to be given the video evidence I was promised. I do believe in the mantra innocent until proven guilty.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Transunion Llc requesting an investigation on the items being reported by their company. First letter was sent and received by them XX/XX/XXXX, Second letter XX/XX/XXXX received by them XX/XX/XXXX. Third letter sent and received XX/XX/XXXX in which at this time I gave them 15 days to respond to this inaccurate investigation per my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. Instead they just once again sent me my credit report with the erroneous fraudulent items and no methods used on investigation. Therefore ignoring my request and violating my rights.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXX 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
Product: Money transfer, virtual currency, or money service

I have a cash app account and used my cash app card to pay for a purchase at XXXX XXXX XXXX on XX/XX/2022 in the amount of XXXX. XXXX XXXX XXXX processed the order and then cancelled the order with no explanation. They never took the money and it currently shows pending in my cash app count. Ive reached out to the XXXX customer service department and was told A refund can not be processed because the order was never generated and was immediately cancelled. Funds were not withdrawn. I was advised to contact Cash app support to remove the hold. I have contacted cash app customer support more than 10 times to remove the hold and each time they insist the hold cant be removed and the transaction has to be refund, even though Ive explained the situation that a pending transaction cant be refunded nor can a system generated cancellation. Cash app refuses to remove the hold and has since put my call information on a block list and refuse to assist in the situation.
Product: Debt collection

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been XXXX days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax refuse to remove fraudulent accounts from my credit report. I have reported this to no avail. They are in violation of the FCRA.
Product: Student loan

Sent multiple required Electronic and XXXX XXXX XXXX XXXX agreements signed by myself and employer to Federal Student Aid, Department of Education. Multiple phone calls, emails, letters to XXXX, my student loan servicer as well. 

My loans which meet PSLF requirements have not been forgiven and the Studentaid.gov website is still not updated. 

Federal Student Aid states XXXX is not complying with providing information on my student loan payments. 

XXXX states that FSA has access to these records and shares the same portal. 

It will be a catastrophic and dire situation if someone does not correct this for myself and all others as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr will start leaving as our PSLF is not being honored.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NY XXXX XXXX XXXX Verve XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX NY XXXX customer service/billing On the morning of XX/XX/year>, I reserved a rental car through XXXX XXXX XXXX XXXX the XXXX XXXX XXXX Before the scheduled pickup, I inquired why my credit card was needed, but the clerk diverted the conversation, stating a {$250.00} hold would be placed after swiping my card. the card was then maxed out. This didn't allow me to decline. I immediately called all parties to dispute charge and cancel the rental. I canceled through XXXX ( Confirmation # XXXX ) and XXXX ( # XXXX ), but later found out the XXXX rep misled me with the pickup confirmation number instead. This is all despite paying Verve a total of XXXX dollars on the XXXX of XXXX. I have continually delt with this type of available balance stress despite countless of early and on time payments made to this company. 

Verve customer service informed me the {$260.00} charge was still pending. I felt coerced into the charge and had already spent {$490.00} on XX/XX/XXXX, leading to a negative balance despite timely payments. When inquiring about the arbitration clause on XX/XX/XXXX, I received no information. 

After pleasing with both XXXX, Verve and XXXX reps to clarify whether I XXXX being charged or money was being returned according to there interface, an awkward recorded message could be heard and I couldnt reach the billing department to explain my cancellation issue and receive a clear answer on whether or not I was being charged. An Audio recording stated " XXXX '' Then asked " is this XXXX ''
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report fraudulent account appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of Identity Theft and fraud. The fraudulent account is : ( XXXX ) This account has resulted in several fraudulent account appearing on my consumer XXXX report. I demand that the aforementioned fraudulent item be removed from my consumer credit report and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

XXXX XXXX creditor has me stressed out with such abuse of so many calls more than seven times within a seven-day period, to my personal phone, wife phone, work phone. I'm afraid to answer and get all the push talk to pay and they even reported my account late, and it has not been 30 days.

On my personal number from the month of XXXX first, I have had approximately 37 missed calls from this creditor they even called me before the due date, my wife 8 missed calls. And couple more on my work phone. 


Payment is due on the XXXX of every month ; I only missed XXXX payment and its only XXXX the XXXX. 

Last payment was XXXX the XXXX.
Product: Credit reporting or other personal consumer reports

inaccurate reporting to consumer report and violation of privacy. I've reached out to the company in regards to all the violation they're doing in regards to my rights listed below. I'v sent notice XXXX in regards to all violations of my rights : PRIVACY ACT OF XXXX  15 USC 1681 15 USC 6508 15 USC 6802 15 USC 6805 16 CFR 313.7 16 CFR 433.2 15 USC 1681 eb 15 USC 1681 i7
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple fraudulent inquiries on my credit report. I have tried calling and the ones that are on there are from XXXX XXXX XXXX on XX/XX/2022, and XXXX XXXX in XX/XX/XXXX XXXX and XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The List of accounts ON MY FTC REPORT has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) XXXX, TRANSUNION, AND XXXX USES XXXX OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS XXXX AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. 
THIS IS WHAT CAUSES HACKING AND DATA BREACHES. 
THEY ARE A THREAT TO THE AMERICAN REPUBLIC ASSETS!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Please remove this inaccurate information on my credit report In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Debt collection

I disputed this account with the 3 credit bureaus on XX/XX/XXXX and XX/XX/XXXX. The credit bureaus claimed the debt was verified by Receivable Management. 

I sent a request for validation to Receivable Management ( account number XXXX ) on XX/XX/XXXX ( usps tracking XXXX XXXX XXXX XXXX XXXX ) asking to provide me with a signed contract with my signature amongst other things to show how the amount they are collecting is calculated. 

I never received anything. This is a violation of the FDCPA for not providing the documents I requested.
Product: Credit reporting or other personal consumer reports

The account has been reinvestigated and came on XX/XX/XXXX back as accurate by EQUIFAX. The credit lor resonded that its not reporting on the reporting agencies but EQUIFAX is still reporting. I have a document to validate the response from the creditor.This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ), the Metro 2 standards, and the guidelines set by the Consumer Data Industry Association ( XXXX ) .Account Information : Creditor Name : XXXX XXXX XXXXAccount Number : XXXXAccount Type : Auto LoanDate Opened : XX/XX/XXXX, XXXX Balance : $ XXXXCurrent Balance : {$15000.00} ( as of XX/XX/year> ) Status : Charged Off, {$14000.00} written off, {$15000.00} past due as of XXXX XXXXThe above account information is inaccurately reported for the following reasons : Inaccurate Balance Reporting : Despite the vehicle being sold at auction, the balance is not accurately reflecting this transaction. The sale of the vehicle should have been applied to reduce the outstanding balance. However, this is not being reflected in the current balance.Reinvestigation Requirement under E-Oscar : According to the Metro 2 standards and the E-Oscar automated dispute system, I have reinvestigated this account three times, yet the information continues to be reported inaccurately. This continual misreporting indicates a failure in adhering to the required standards and protocols for accurate credit reporting.Re-Aging of Delinquency Dates : The account is being re-aged for late payments, which unlawfully extends the duration that this negative information remains on my consumer file. The Fair Credit Reporting Act mandates that late payments should only be reported for up to XXXX years from the original delinquency date. The consistent re-aging violates this regulation and unfairly prolongs the negative impact on my credit report.Given the above inaccuracies and violations of both Metro 2 standards and consumer protection laws, I request that you immediately delete this account from my credit report. Enclosed are copies of my credit report with the disputed account highlighted, as well as supporting documentation, including proof of the auction sale and prior dispute correspondence. Furthermore it has been deleted from XXXX and XXXX, Equifax must follow to be in compliance with the FCRA
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX someone claiming to be XXXX XXXX messaged my mother about selling us a vehicle. We didnt think much of it cause XXXX was a family friend. We briefly discussed title transfer then sent the money over and after we sent the money we realized XXXX XXXX is in XXXX  and who we were talking to was not him. He Mentioned that he wanted us to buy gift cards and send it to him. We ended up sending a total of {$1000.00} via chime. When confronted refused to send money back and blocked us. I disputed the transactions 3 times with chime and they failed to give me a reason why it was denied.
Product: Vehicle loan or lease

I entered with XXXX XXXX XXXX XXXX XXXX XXXX, For the purchase of a XXXX XXXX XXXX XXXX XXXX, which entered into XX/XX/XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, MI XXXX I have XXXX contracts in place with XXXX XXXX XXXX XXXX XXXX XXXX. These contracts are in violation of 12 CFR 1026.23, 15 USC 1605, 12 CFR 360.6, 17 CFR 260.11b-6 section 311 ( b ) ( 6 ), 12 CFR 1026.4 XXXX XXXX XXXX XXXX XXXX XXXX has intentionally withheld pertinent information in order to complete the sales of the finance charges such as the disclosure of my right to rescind. 

As a result of the violation of these Federal Regulation Codes, without further ado, XXXX XXXX XXXX XXXX XXXX XXXX is obligated to rescind the contracts. 

( American Credit Acceptance Lien holder )
Product: Debt collection

There is a medical bill that is reporting on my credit file that I know nothing about. I have medical coverage and never received anything from a provider 's office indicating I owed money. I have insurance and as far as I knew everything was covered. Why didn't this company or any office send me notification???
Product: Credit reporting or other personal consumer reports

I am writing to formally request the correction of an incorrect address listed on my credit report. 

My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX However, my credit report incorrectly lists the address : XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived at this address and do not have any association with it. Please patent records to reflect my correct current address as stated above. 
Enclosed are copies of documents that verify my current address, including a recent utility bill and my driver 's license. I would appreciate your prompt attention to this matter to ensure my credit report accurately reflects my true address. 
Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX, specifically debt bondagewhich falls under trafficking as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage.According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Product: Debt collection

I took out an automobile loan with First National Bank of PA around XX/XX/XXXX which resulted in a repossession around XX/XX/XXXX. In reviewing my credit earlier this year on XX/XX/XXXX I pulled all three major credit reports and found that this debt was being reported twice on one report ( XXXX  ). The original debt was being reported by the original creditor ( First National Bank of PA for {$8100.00} ) and a debt collector ( XXXX XXXX XXXX XXXX for {$6200.00} ). At that time I placed a credit bureau dispute with XXXX that did not resolve this issue. Recently I started my journey to purchase a home utilizing a mortgage loan. In reviewing my credit history I found out that this loan was still being reported twice with ( First National Bank of PA for {$8300.00} ) and ( XXXX XXXX XXXX  for {$6200.00} ) but now the creditor ( XXXX XXXX XXXX ) is on two credit bureaus ( XXXX and XXXX ). When working with my mortgage lender, and at their request I called and removed the dispute language from my credit reports and also contacted the debt collector to find out who owned the debt so this error can get rectified. When I contacted them ( XXXX XXXX XXXX ) on XX/XX/XXXX at XXXX at XXXX EST, I explained that this debt was being reported by both companies and was looking to find who owns the debt to clear up this error. I was told that this is normal practice for them to both report the debt. At that time I ended the call and discussed the best steps with my mortgage lender.