23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a collection notice from XXXX XXXX XXXX  dated XX/XX/year>, attempting to collect a debt allegedly owed to XXXX XXXX XXXX XXXX. ( Reference Number : XXXX, Account Number : XXXX ). The notice states that I owe {$1000.00} and demands payment. 

On XX/XX/year>, I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ) by sending a formal request for debt validation to XXXX XXXX XXXX  . In my letter, I requested : A copy of the original signed agreement proving my obligation to pay.

A full breakdown of the balance, including all fees, interest, and charges.

Proof that XXXX XXXX XXXX has legal authority to collect this debt, including a chain of title showing all transfers of ownership.

A copy of their debt collection license in XXXX, as required under the XXXX  Debt Collection Licensing Act ( XXXX XXXX XXXX XXXX XXXX XXXX ). 
Verification that this debt is within the statute of limitations, per XXXX XXXX XXXX XXXX XXXX XXXX, which limits collection of written contracts to four years. 
Despite my timely dispute, XXXX XXXX XXXX has failed to provide any validation and continues to attempt collection, in violation of : 15 U.S.C. 1692g ( b ) ( FDCPA ) Prohibits further collection until the debt is validated.

15 U.S.C. 1681s-2 ( b ) ( FCRA ) Requires furnishers to conduct a reasonable investigation upon dispute. 
XXXX  XXXX Fair Debt Collection Practices Act ( XXXX XXXX XXXX XXXX XXXX ) Prohibits unfair and deceptive collection practices in California. 
If XXXX XXXX XXXX has reported this debt to credit bureaus without verifying it, they are in violation of 15 U.S.C. 1681e ( b ) ( FCRA ), which requires furnishers to maintain maximum possible accuracy.
Product: Debt collection

My husband and I are being harassed by Tate & Kirlin Associate 's, Inc,  in the amount of {$180.00}. 

The address listed for them is XXXX XXXX XXXX, XXXX XXXX, XXXX PA, XXXX. 

The original creditor is XXXX XXXX XXXX and lists a current creditor of XXXX XXXX. 

This bill was discharged in a bankruptcy in the 1990 's. XXXX XXXX is no longer in business, the new company 's name is XXXX XXXX XXXX. 

I sent a certified letter to Tate & Kirlin, attention of the President of the Legal Department disputing the debt. The certified notice was signed for. 

I explained the situation in detail and requested the original contract verification, dates and payment history. I followed up and they refused to discuss it and refused to put me in direct contact with the President of the company. 

I then sent a certified letter to XXXX XXXX  XXXXXXXX XXXX  Corporate Office, XXXX XXXX XXXX XXXX, XXXX IN, XXXX, attention President of the Legal Department which was also signed for. 

I explained the same thing in detail and requested the same information. I followed up and again, they would not discuss the debt and refused to put me in direct contact with the President. 

The debt is submitted on our Credit Reports every single month. My husband 's Credit Report states paid in full and also states as an outstanding bill. 

My Credit Report states as outstanding and does not state paid in full. I also disputed this debt with all Credit Reporting Agencies, to no avail. We do not owe this debt. No one will help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my all three credit bureaus show inquiries of almost 50.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX via phone and via email regarding in accurate reporting. They were supposed to do a internal investigation but I still to this day haven't heard anything back. Below it the letter I have sent to them too as well. 


Loan Number : XXXX Payments : XX/XX/XXXX - XX/XX/XXXX I have been a XXXX XXXX customer since XXXX, and during that time, I have enjoyed my experience greatly. I am writing now to see if you would be willing to make a goodwill adjustment to your reporting to the main credit agencies ( XXXX, Equifax, and XXXX ). I have two late payments on the account that I referenced above that date back to XX/XX/XXXX and XX/XX/XXXX. Since that time, I have been an exceptional customer, paying all my other monthly payments on time. 
Because of my exceptional payment history over the last 2 years, I would like you to consider removing the late payments from my credit report. I did not intentionally mean to be late on my payments, but due to the unexpended end of my government contract I was out of suddenly out of employment. I also at that time only had one salary in the household. Both payments were last then 30 days late. 
It does not justify why the payments were late, but rather there to show that these late payments are not a good indicator of my actual creditworthiness. I hope that XXXX XXXX  is willing to work with me on erasing this mark from the reports. I am now knowledgeable and clearly understand the importance of credit history and would greatly appreciate it you could make the adjustment. 

Also, for the month of XX/XX/XXXX there was an error when processing my monthly payment. My monthly payment that I pay is {$1700.00}. There was an error that the representative actually processed a payment for {$17000.00}. With this being said, there was a correction that was sent credit bureaus but drastically dropped my credit score. My score dropped nearly 100 points. After the credit bureaus made the corrections my scores only changed about 40 points. I am also in process of refinancing with XXXX XXXX too as well. My application is still on hold as right now due to my credit score dropping. With the credit score the bouncing back to the score it was previously, I am unable to begin the refinance process with XXXX XXXX. With hopes that you would be willing to adjust the two late payments, this would get me in position to refinance with XXXX XXXX. 
I have been satisfied customer in the past and hope to continue a long relationship with XXXX XXXX, as the credit industry is so competitive. I know how important it is to maintain good relationships with customers, and you have done an exceptional job in my book so far. 
I hope that you will consider my request and prove, once again, why XXXX XXXX is heads above the rest. I look forward to your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.
Product: Credit card

On XXXX XXXX, 2016, I received from Amazon.com & partner Chase, an unsolicited " Amazon Rewards VISA '' credit card. As shown in the uploaded pdf files, this unlawfully issued card had a credit limit of {$6500.00}. I shredded it immediately and called Amazon customer service, who in turn referred me to Chase security. According to them, my personal information was used by a " 3rd party '' to request the credit card. However, neither was willing to show me any proof of the information used by this so-called " 3rd party ''. For example, they said the personal information included the answer to my security question asking for my mother 's maiden name. I asked what the so-called 3rd party 's answer was to that question and they could only say that it was " my name '', which is not the established correct answer to that security question. I told each that they should be able to provide me all information used to open a credit card in my name, but they were not able ( or not willing ) to provide me any proof that it was not they who issued this unsolicited credit card. Moreover, I told them that the card came to my address, rather than the address or post office box of a so-called 3rd party ... a fact that makes no sense when a 3rd party had nothing to gain by sending the card to my address. I then contacted XXXX of the XXXX credit reporting agencies, which shared my fraud alert with the other XXXX credit reporting agencies. Each of them provided confirmation of the alert. 
The XXXX document in the uploaded pdf file, shows another instance of Amazon.com and Chase issuing an unsolicited Amazon Rewards VISA for a credit limit of {$5000.00} to another consumer. Finally, the third document in the uploaded pdf file, is the XXXX XXXX CEO 's recent admission that XXXX had also been issuing unsolicited credit cards and other services. Perhaps this was an Amazon/Chase attempt to keep up with their XXXX competition. 
I am requesting that the CFPB require Amazon and Chase to provide to the CFPB, and to me, all information use in requesting and issuing this unsolicited credit card, in a sincere and good-faith effort to convince me that they issued this credit card based on information provided in a request by a 3rd party!
Product: Checking or savings account

I made a mobile deposit on XX/XX/2024 to Chase bank. Chase accepted the deposit in the amount of XXXX. They informed me via my banking app that the funds will be on hold until XX/XX/2024. I see absolutely no legitimate reason for this. I am an established customer and the check being held was also drawn on Chase bank. I have also read by law that they must make at least XXXX dollars available by the next business day, which they also haven't done. Please assist me in this matter. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my recent credit report, which has highlighted several inaccuracies that I believe need to be addressed. After reviewing my report, I have found the following negative items which I believe are inaccurate and damaging to my credit score. 

Firstly, the bankruptcy listed under case number XXXX is an error. I am unsure of how you were able to verify this information when other bureaus have not, and have removed it from my credit report. I urge you to remove this inaccurate information immediately to prevent further damage to my credit score. 

Secondly, the XXXX inquiry listed on XX/XX/XXXX has reached the statute of limitation. I request that this inquiry be removed from my report as it is no longer relevant. 

Thirdly, the XXXX account listed under account number XXXX may have incorrect information. I request that you verify the payment status, balance, comments, payment history, and account number to ensure accuracy. If there are any errors, I request that you fix or delete this account from my report completely. 

Lastly, the XXXX XXXX account listed under account number XXXX is not associated with me. I have never had any business relationship with this company, and therefore this account can not belong to me. I request that this unknown account be deleted from my credit report right away. 

I understand that the accuracy of credit reports is essential, and I would appreciate your prompt attention to these matters. Thank you for your time and cooperation in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

Thy continue to say that the account thats reporting this is verifying there records are correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile currently showing incorrect information showing I have credit inquiries. Which I have not made
Product: Credit card or prepaid card

XXXX XXXX / cavalary portfolio is harassing me with phone calls, I have disputed the accounts with them because I am a victim of XXXX  XXXX and these accounts were opened without my knowledge by my ex wife and I want them off my credit report and closed.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft... bureaus refuses to remove the information off my credit report
Product: Debt collection

I found in XX/XX/XXXX on my XXXX Credit Report a collection account from Contract Callers, Inc in the amount of {$11000.00}. This is listed as assigned XX/XX/XXXX. To this day XX/XX/XXXX I have not received any documentation, phone calls, no correspondence at all, I have a right under the FDCPA to validate and dispute this debt. I wrote to the company on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have not received anything from Contract Callers, Inc.
Product: Credit card

This account with Citibannk has been closed for years, and I have been paying it off for years. My mother who is now deceased was the primary on the account and I was secondary. The debts were mine, so even though mom is gone I told Citibank I would be paying it off, which I have been. 
Several months ago they debited my bank account for double the payment amount, two months in a row, which I stopped payment on as it was double what had been authorized. 
The following month I began paying again as usual, but Citibank started writing and saying I was " behind '' and I needed to set up a payment arrangement. If they had n't tried to take double payments, there would be no " behind '', but regardless, I wrote and explained I 'd be paying XXXX a month ( more than the minimum due before this started ), and I have been. 
Now they have sicced some estate recovery service called XXXX on me, to harrass me some more, and they returned my letter that I sent with a copy of my bank 's payments to them. ( I set up autopayments to them from my bank, as they refused my access to their own online payment site ). 
They apparently are angry I will not give them my phone number, so they can call me incessantly. I am a XXXX, and I do n't want to talk to these people on the phone - I sometimes ca n't understand them, especially the foreign ones they employ, and also I want everything in writing with Citibank, as I do n't trust them. I have corresponded with them, made payments ( and continue to do so ) and I want them to stop harassing me with these collectors! I am paying XXXX per month as I told them I would, even though this is a hardship because I can only work part-time. 
I want them to communicate with me IN WRITING. I want them to stop trying to harass me with other agencies just because I wo n't give them my phone number! I do n't understand why a company this size apparently has no one who is capable or willing to communicate in writing.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681-s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous times i have contacted trans union to dispute the charge off accounts on my credit report. They have failed to verify these accounts. But these accounts are still showing on my credit report. At this point, they are going against the fair credit reporting act. They are not providing me with correct verification on these accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, If transunion can not verify these accounts truthfully and accurate. Then they need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent them my letters a few times first letter in XX/XX/XXXX they completely ignored my letters then i sent over letters XX/XX/XXXX and still no reply on theses items i disputed on my report its like they are just ignoring me.It hurts when i have to spend time and money to write letters to them for them to not give a reply on the status of this and they were suppose to get back to me within 30 days. please help.
Product: Debt collection

A debt collection was added to my credit from XXXX of {$10000.00}. I have no knowledge of this account. I have had a different cellphone carrier for years. I called XXXX company directly to obtain more information. XXXX said that there was an account under my social, however last name was different. I asked for dates of when this account was opened and representative did not want to give me any more information.
Product: Checking or savings account

I opened a high yield savings account at Marcus with Goldman Sachs in early XX/XX/XXXX and in a few days asked them to transfer back a portion to my original account. They have locked my acct since. I call everyfay and either get the runaround or they cut me out. They asked me to get an affidavit of identity notarized which I did n they confirmed receipt XX/XX/XXXX. I have called XXXX n they say it takes XXXX business days to review but each time i call they say its under review n call back. I have since read numerous online on social media including XXXX complaints from other customers with very similar experiences. I reached out to my Attorney today but I also wish you to fastrack an investigation into the way this bank is doing business and abusing the banking system. This company with a bad history of wrong doings are at it again and needs to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  claims that I applied to these credit cards without proving to me that in fact it was me who completed those applications, I filled an identity theft report and the inquiries are included on it. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

They are also telling me that a third party is disputing these, when in fact it is me that is disputing the inquiries. 

I have included the letter that XXXX XXXX  sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian to let them know the two XXXX XXXX credit cards that are showing on my credit report for charge offs are not mine and I want deleted off my report for they are hindering my credit score. I have not signed any type of documentation for these credit cards and I want them to show documentation that they belong to me. I have no knowledge of these two credit cards and want deleted off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously submitted a dispute of late payments from XXXX XXXX and XXXX XXXX along with a dispute of alleged account with XXXX. 

The dispute were submitted to all three major reporting agencies andno response was received from any of the agencies. The disregarding of the disputes automatically has grounds for the removal of errors that has been failed to validate within the allotted time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had an account with XXXX XXXX XXXX XXXX this is a fraudulent account thats been opened in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit in XXXX XXXX discovered someone used my information to credit and get medical care. Ive sent letters request validation to Transunion XXXX & XXXX. All 3 Credit Bureau ignored my request. With is a Violation of the FCRA!! I also asked for an update credit report via us mail and nothing was ever sent to me, with is another violation of the fcra!! Will attach ftc report and 605b letter dated XX/XX/21!! THE FOLLOWING ACCOUNTS ARE FRAUDULENT 1. XXXX XXXX {$1700.00} / $ XXXX {$500.00} Ive never done business with this company or entered into a signed contract! Focus financial also add this items to my Transunion file after they had been deleted without giving proper 5 days notice. This account is fraudulent and needs to be blocked!! Per fcra 605b.

2.XXXX XXXX XXXX {$350.00} Ive never done business with this company or entered into a signed contract with this company. 
All accounts are fraudulent accounts and needs to be blocked from my credit file. Per Fcra
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian are currently violating my consumer rights by improperly utilizing confidential information contained in my credit file without my expressed written consent. Furthermore they are reporting inaccurate information thereby defaming my reputation, their actions continue to negatively impact my ability to engage in commerce. They continue to violate my privacy rights and are failing to assure the maximum possible confidentiality, accuracy, relevancy and proper utilization of my consumer information. I am aware that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I am also aware that consumers have rights to privacy and the invasion of privacy laws and statutes have been enacted to prohibit conversion and unauthorized use of consumers information from being utilized improperly or made public, without their explicit consent pursuant to 15 USC 1681 ( a ) ( 4 ), and according to FCRA unverifiable and unauthorized account must be removed.
Product: Credit reporting or other personal consumer reports

Equifax is continuing to report information on my credit report that is not mine. This incorrect information has been confirmed by XXXX XXXX by letter as well as removed from my other credit reports. However, Equifax continues to report it as mine and it is not my account.