23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted the collection agency on multiple occasions via returned receipt regarding verification of debt. The collection ignored my requests to verify this debt. I also sent CRA certified letter requesting the same. CRA response was that they verified. I have never received any verification from this agency and request that it be removed from credit report. They never validated debt to me and are in violation of FDCPA and continue to report on the debt. I filed a complaint with the XXXX in XXXX and finally received copies of statements from XXXX after 4 years of requesting proof of debt. But the Provided credit card statements from Account Number demonstrates that the balance is {$810.00}, I requested XXXX to provide details on how the alleged amount of {$1100.00} was calculated, XXXX has been reporting this balance against this account to all XXXX credit reporting agencies on my credit report As per XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX ), Misstating the amount a Consumer owes by a mere penny may constitute a violation of the Fair Debt Collection Practices Act. The FDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debt. See 15 U.S.C. 1692e I have not received any such agreement from the original creditor, As per law the XXXX is not authorized to collect interest unless it is authorized, I request XXXX to provide a contract from original creditor stating that XXXX is authorized to collect interest on this account.As per evidence presented above XXXX has violated FDCPA and I request all references to this account to be deleted from my credit reports and completely removed from my credit file
Product: Credit card

Hello I, XXXX XXXX applied for the American Express XXXX XXXX CREDIT CARD XX/XX/year>, However, additional verification is required will you please open a secured messaging channel to verify my identity? Ref : XXXX I can not provide a letter from my bank confirming my home address, because I'm not driving at the moment, so this letter is not easily accessible. Nor am I able to use my camera phone to take pictures, unfortunately, I dropped my phone and broke the cameras. I am waiting for my insurance to replace it. However, the application may expire before it is replaced. Additionally, I have taken the necessary steps to secure my personal information and prevent identity theft. Please remove restrictions on my application. 
Thank you for your prompt attention to this matter. I look forward to being approved and I will use my credit card responsibly as a loyal customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my credit report was pulled from 9 financial institutions. Those companies that are reporting on my XXXX Credit report are XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX , Capital One Auto Finance , XXXX , XXXX XXXX XXXX. 

As well as XXXX XXXX on XX/XX/XXXX I have received my own financing from my bank XXXX  where they gave me a check for the total amount for the car I was purchasing. I never gave XXXX or any other financial institution any access or authorization to run my credit or get any information since I will be able to provide the finances to purchase the vehicle with the help of my bank. 

Now years later I am seeing all these hard inquires on my credit report without any idea who they were from or why they pulled my credit.
Product: Debt collection

CareCredit never reached out to me until I found out it was in collections/charged off and I tried to get in touch with them. I couldn't provide any account information as i never had a physical card, unless there may have been one in app and I wouldn't have had access to that any longer. I paid in app and it was considered paid and I hadn't heard anything saying otherwise. No emails, letters in the mail, or attempts to reach me regarding this so called debt that was already paid in full and certainly not late. First and foremost this account from several years ago was already paid in full via the app within 2 months of receiving the dental work. I don't know where CareCredit gets off saying their information is valid. It's not. And also CareCredit not informing me of this " debt '' before marking it negative, is completely on them. I have reported the fraud to the bureaus, and I have my legal team ready to fight. Also I received very threatening calls on behalf of the company to get the funds. That is a violation of FDCPA. And I believe there are several other issues that this company went against the rules. This debt was supposedly already paid for by another party, and closed so not only did they charge me, and I paid but my credit score and reports have suffered tremendously because of this debt that is less than XXXX CareCredit will be hearing from my lawyers. They also removed this and re-added it to my credit report several times which I believe is illegal, despite being paid off by me then supposedly also some other company paid it off.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This IS NOT A DISPUTE : This is a rather a request for a Method Of Verification where the following items should be provided to ensure the validity of the item ( s ).

This is also a Identity Theft Issue.

( Please Provide ) 1. The name of the court representative you spoke with. 2. The Court address and telephone number. 3. The person 's name they verified the dispute with 4. The documentation used to verify the dispute. ( Method Of Verification For ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorney General Child Support acct # XXXX 15 USC 1681 602 A. States I have the right to privacy.

15USC 1681 Section 604A, Sec A : it also states a consumer reporting agency
can not furnish a account without my written instructions.

15 USC 11681c ( a ) ( 5 ) Section States : no consumer agency may make any consumer report containing any of the items of information. any other adverse item of information, other than records of convictions of crimes which antedates more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A persona shall not furnish any information relating to a consumer to any consumer reporting agency person knows or has reasonable cause to believe that the information is inaccurate. 

A victim of identity theft, the information listed which appears on my credit report, does not relate to any transactional that I have made. It is the result of identity theft. 

This is why I am requesting " A Method Of Validation '', THIS IS NOT A DISPUTE. 

I have requested validation several times, and I continue to receive a letter stating verified without the information I'm requesting. I'm simply trying to get to the bottom of this inaccurate information. Attached is a letter from the Courts Of Mississippi that states they are not Furnishers Nor Are They Verifiers, so therefore I am asking who did you verify this information with. I'm producing my letter written directly to me ; so what letter of verification to you have?
Product: Vehicle loan or lease

Global Lending Services continues to update an account of a vehicle repossessed in XXXX. This account was charged off, then written off to Profit Loss. As of XX/XX/XXXX, this account has been updated with a balance of {$7600.00}. If this account was written off as a Profit Loss, that means Global Lending Services has written this account off on their taxes. But, I never sent me a 1099C. Also, a charge-off should not have a balance. Also, this account has been reported on my credit report for 7 years and is at the statute of removal from my credit report from all credit reporting agencies. 

I have disputed this with Global Lending Services and they continue to update my credit reports with current late payments when this account has been closed and charged off. I have not received any resolutions and they continue to damage my credit by reporting late payments. 

Because this was Charge off/Written off as a Profit Loss. This is considered income. According to : 15USC 1681 ( 2 ) ( a ) ( i ), No transactions or experiences are allowed to be on a credit consumer report and need to be removed.
Product: Money transfer, virtual currency, or money service

I never received the {$500.00} transfer from my Chime account to XXXX. It looks like the account and routing was to the old bank account from XXXX, which was using XXXX XXXX  XXXX XXXX. XXXX is no longer using XXXX XXXX  and is now using XXXX XXXX XXXX XXXX The reason for the switch was a XXXX. Chime now has my funds on hold and have locked me out of my account. I have tried numerous time to explain to them that the routing was to XXXX XXXX  and they admit that the funds were returned. However, they will not release the hold on my account.
Product: Money transfer, virtual currency, or money service

Its been a lot of problems for years with my Cashapp. Ive literally had XXXX Cashapp accounts, that all had poor customer service.
Product: Debt collection

On XX/XX/29, XXXX from Portfolio Recovery called a Healthcare organization. I have asked debt collection services not to call this organization. Called three days in a row.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are stating that XXXX payment was not paid until XXXX two payments have been made in XXXX so far. We never received a text email letter or phone call about any late payments. We have had this loan for over two years and have never been late much less missed a payment on any loans we have. I want this late payment removed from my credit because it is having a negative impact on my score obviously. If I pay the whole loan off would that help them to remove it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account U S Dept of ED/XXXX XXXX account 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: Credit card or prepaid card

I know credit is my right and I also know that reporting to consumer reporting agencies are voluntary. I did not consent to it, this was involuntary. I did not consent to that report, this is a private transaction. 
I received an adverse letter from the application # XXXX, Citi XXXX # XXXX. The denial that I received from Citi was unfavorable to me and that is why this is adverse, but nothing under the definition that XXXX has provided for adverse action, 15 USC 1681 ( k ), gives you the right to deny me credit, which is defined by 15 USC 1602 ( f ), my right as a consumer. I credited this transaction as a creditor, as defined under 15 USC 1602 ( g ), from my credit card, 15 USC 1602 ( l ). And in turn created a creditor. As a person, as defined under 15 USC 1602 ( e ), Citi is an organization, an organization is not a living natural person. Further Citi has violated 15 USC 1602 ( p ), unauthorized use of a credit card. Citi did not have actual, implied or apparent authority to use my credit card from which the cardholder, myself, received no benefit. 

I tried to resolve this matter with Citi, and they denied. I have attached their response to this complaint. 

I am willing to let all of this go if Citi does the right thing and reverses this decision.
Product: Debt collection

I did not open a XXXX account back in 2013 like its showing on my credit history. Nor have i had a XXXX account in the past 7 years.
Product: Debt collection

XXXX XXXX XXXX XXXX PRADARORY ILLEGAL TATICS CONTACTING AT MY WORK PLACE THIS IS A GOVT PHONE NUMBER! AT MY WORKPLACE I SENT THEM A CEASE AND DESIST DO NOT CONTACT ME EVER AGAIN
Product: Money transfer, virtual currency, or money service

My employer transferred/distributed my pay o n    XXXX   XXXX  2017    to  JPMorgan Chase. JPMC d id not deposit the funds into my account. I have called repeatedly to get the matter resolved, and have been hung up on, transferred to departments that can not resolve the issue and generally not helped. I am a single mother ; this is my paycheck. Why is JPMorgan choosing to not assist me? Does n't it matter to them?
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX / XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I disputed an account reported by XXXX XXXX XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. 
I was informed on XX/XX/2022, that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please forward the information to Comenity Bank. Thanks!
Product: Credit card

I have a general use Credit Card with Barclaycard. I was incorrectly charged interest when my bill was paid in full, in its entirety before the due date. My current cardholder agreement states, " Paying Interest : Your due date is at least 23 days after the close of each billing cycle. ***We will not charge you interest on purchases if you pay your entire balance by the due date each month. *** We will begin charging interest on balance transfers, checks and cash advances on the transaction date. '' My due date was XXXX. I paid the bill, in full, on that date. Three days later, on XXXX, I was charged interest of {$290.00}. 

The company can't, or won't, explain why the charge is valid and are indicating that it's interest due from XXXX and XXXX of XXXX which they billed on XXXX. Obviously this doesn't make sense. 

I am seeking to have the incorrect interest charge waived in its entirety.
Product: Money transfer, virtual currency, or money service

I am writing to formally report a serious issue involving two separate XXXX transfers that I have not received in my Wells Fargo account despite email confirmations indicating the funds were successfully sent. 
Details of the Missing Transactions : Sender XXXX : XXXX XXXX XX/XX/year> - {$10000.00} Confirmation # XXXX Sender XXXX : XXXX XXXX XXXX XXXX - {$2500.00} Confirmation # XXXX I contacted Wells Fargo customer service three times, but I was informed that no action could be taken on their end. XXXX ( XXXX ) XXXX, in turn has confirmed my accounts are active and in good standing but has directed me back to Wells Fargo for a resolution. This ongoing cycle has resulted in significant frustration and concern over the security of my funds. 
Given that both transactions are accompanied by confirmation emails, XXXX from Wells Fargo, I respectfully request the following : 1. Immediate investigation into the missing transactions. 
2. A written explanation detailing why the funds have not been credited to my account.

3. Prompt resolution ensuring the funds are deposited or returned to the original senders. 
I expect Wells Fargo to provide a swift response to this matter, as these delays are unacceptable and inconsistent with Wells Fargos commitment to customer service. 
Please contact me directly at ( XXXX ) XXXX to provide a status update on your investigation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX  XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request assistance in updating my personal information with Equifax, XXXX of the XXXX XXXX  credit reporting agencies. I have recently noticed discrepancies in my records and would like to ensure that my information is accurate and up-to-date. 
Below is my correct personal information : Name : XXXX XXXX Birthday : XX/XX/scrub>XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX Current Employer : XXXX XXXX Ga Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX I have already attempted to update this information directly with Equifax but have faced difficulties in doing so. Therefore, I am seeking your help in addressing this matter and ensuring the corrections are made promptly.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX. XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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/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 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX because I received a notice that my credit score was effected, I tried to file a compliant and was referred to contact a representative. The representative said that they are not able to help me and I needed to contact the barclays. I had reached out to Barclays because I received an email indicating that my account was pasted due but I didn't use that card since last year, they said I owed them {$87.00} for a automatics renewal fee. I asked them to cancel the card because I didn't want a card that has a renewal fee and besides that I never received a statement in the mail. They said they would cancel the card back on XX/XX/XXXX and it should take two cycles ( Two Months ) for it to come off. I received a notice from XXXX that my credit score was dropped by XXXX basis points ( from XXXX down to XXXX ) and I also received a notice from my XXXX card that my credit limited has been lowered. I reached out to Barclays on XX/XX/XXXX and discussed the issue with a representative ( # XXXX ) and they said that they took care of it but it will take XXXX cycles to come off. I was going to purchase a car and now my credit will effect my ability to finance the new purchase.
Product: Credit reporting or other personal consumer reports

I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused
Product: Credit card or prepaid card

I have a loan with CAP1/CABELAS. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX  and CAP1/CABELAS with no successful  resolution. XXXX, XXXX, XXXX reporting me late. There was definitely an error on their part. I was never 30 days late (XX/XX/XXXX, XX/XX/XXXX ) and I was never 60 days late ( XX/XX/XXXX, XX/XX/XXXX )
Product: Credit card

I met the promotional terms for the sign on bonus for the XXXX XXXX  card. I met the spend threshold in the time allotted. The promotional sign on bonus points remain in pending status and no one is able to tell me when they will be available for use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion several times about an erroneous bankruptcy being reported on my credit report. They keep responding to me that this account is verified and accurate. How can this be, when in the enclosed documents I have provided, the court plainly states that no information is given to credit bureaus about consumers information when it comes to bankruptcies. I want this entry deleted from my credit report immediately!