23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the validity of three collections accounts listed on my credit report, which were reported by XXXX ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 USC 1692g, I am requesting verification of these alleged debts. 

I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency. 

I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account. 
Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor. 
Documentation showing that the Collection Agency is licensed to collect debts in my state. 
Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts.

If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws. 

Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.
Product: Credit card or prepaid card

On XX/XX/19 I received a pre-approved credit card offer in the mail from Aspire Mastercard ( Acceptance Code : XXXX ). I completed the acceptance application online the same date, but when I saw that this company charges over {$200.00} per year in in annual and maintenance fees, I immediately called Aspire minutes after completing the application on XX/XX/19 ( XXXX ), spoke to XXXX XXXX ( ID # XXXX ) and requested that my application be cancelled. XXXX XXXX informed me that she processed the cancellation of my application, that it would not affect my credit, and that I had to call Customer Service ( XXXX ) after XX/XX/19 to confirm the cancellation on their end. On XX/XX/19 @ XXXX EST, I called Aspire Customer Service XXXX spoke to XXXX , who staetd that she did not see where the application had been cancelled. XXXX put me hold several times, initially stated that the account would be closed, then when I asked why would this be processed as a closed account when I requested that my application be cancelled on the very same day, and an account was never opened, she placed me on hold several times, and gave conflicting information on whether the application would be cancelled. XXXX stated that she was submitting a " request '' and that I would receive a letter in the mail in 7-10 business days. When I asked about this application not having a negative report on my credit, such as a cancelled credit card, she said that she would put in a request that would take 60-90 days, but it was not guaranteed. There was a clear language barrier with XXXX, when I asked where she was located she initially lied and said XXXX, Ga, then said they were located off-shore, and did not have access to transfer me to someone in the United States. I asked to speak to a Supervisor, spoke to XXXX ( ID # XXXX XXXX, who stated that he will request to stop creation of account, and to disregard application, and will send special request not to send negative report to credit bureaus. He agreed that I was correct that the account has not yet been created. XXXX also stated that he could not guarantee that any of this will happened. When I asked if he could escalate this request, he said that account is automatically created within 2 business days, but he could not guarantee that he would contact the proper department to stop the account from being cancelled tomorrow, Monday, XX/XX/19, prior to it being created on Tuesday, XX/XX/19. XXXX, a supervisor, stated that he does not have authority to escalate issues. I also asked that he contact his manager to intervene and have application cancelled. I do not want this company to be able to place a negative report of a closed credit card account on my credit report as I never had an open account with them.
Product: Payday loan

I told the employee of Checkngo that I wanted to pay off and take out the loan again. She took my money and said oh your on the cool off you have to wait 8days. I told her that was all of my money if I could n't take another loan why did n't I get to do the extended loan when you take the last loan and split it into 5 payments and she said I did n't ask. I spoke to the manager also and she said I should 've asked and they do n't know until the end of the process. I got the extension before and the employee looked at me like I should not have known about that. I feel the way they are acting like its a secret is because they are taught to not give this extension to customers by all means. I needed that extension because I 'm left with no money and I have XXXX kids to feed ; they need to be fined or something because the state of Indiana came up with them implementing this extension for a reason and they are trying to play on a customers responsibility saying they ca n't keep up with the numbers of loans and they do n't know until the end of a transaction. This happened Friday and they have n't contacted me yet and they really do n't have a resolution contact ; the manager and the other employees are friends so nothing will get resolved at that level. They just gave first names did n't want to give last names or employee numbers so I know they were trying to be slick. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA section 623 ( a ) ( 1 ) ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX Contains incorrect Information address and is not my account XXXX  XXXX XXXX  also being reported on all 3 bureaus conflicting account opened dates this account was also opened in XXXX but conflicting on all reports XXXX XXXX  also not my account conflicting information on all 3 bureaus address I did not live at I have reported my identity being stolen or used I have been successful with some and not all they won't delete I have disputed items I also have been compromised on the dark web in 3major data breaches in the bureaus XXXX also not my account also being reported to all bureaus in question this account was opened in XX/XX/XXXX also conflicting dates opened in reports wrong address used too open account XXXX XXXX XXXX  opened XX/XX/XXXX Also not my account wrong address conflicting information XXXX account paid by a payday loan direct deposited into this account before closed and still they report this as unpaid derogatory XXXX also XXXX being reported numerous times under different names being reported as secured and it is not secured with anything at all also conflicting information addresses amounts and information Under FCRA it is my right as a citizen too have these accounts removed from my reports that are being reported as derogatory closed collections wrong addresses conflicting names addresses my address amounts personal information I have disputed these with the CRA and got nowhere my life is in shambles these accounts are hurting me from building a proper credit profile that I need too move forward in life for my family I do not know what else too do I need help getting these items removed from my reports im hoping this is the right way or my right option because nothing else has worked thank you for you time
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently found 7 accounts are not belong to me and was fraudulent listed on my credit reports with EXPERIAN, XXXX & XXXX the accounts listed as : ( ( 1- ) ) Account Name : XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX ( ( 2- ) ) Account Name : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX ( ( 3- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 4- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 5- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 6- ) ) Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 7- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax 3 times to dispute health care collections bills that have been paid. On XX/XX/2018 I paid 2 medical bills to XXXX XXXX XXXX using my credit card. I have receipts of payment for {$78.00} and {$190.00} respectively are the amounts reported as collections on my Equifax Credit report. I disputed these accounts with Equifax. The dispute results attached show Equifax claims they validated the creditor 's claim. This is impossible given I have receipt of payment. I disputed the claim again, this time in writing and provided copies of the receipts. Equifax still has not removed these collection reports from my credit file. Attached are copies of the receipts of payment to the medical company, a copy of the letter I sent to Equifax, a copy of the 2nd dispute resolution letter where Equifax claims they validated the creditor 's statements, and a copy of my most recent credit report with Equifax ; which shows the collections are still on my credit file.
Product: Checking or savings account

On XX/XX/23 my Regions account was put on hold due to fraud prevention. I was told that I would hear something back in a couple of days concerning the incident. I never heard anything back. I called the bank back 10 days later. Giving time for everything to be resolved and I was told that the account would be closed but there was nothing in the system stating when. On XX/XX/23 I reached back out the Regions bank about the account, because I am in need of some type of verification that this account is not valid in order to receive benefits. I was told that I would receive a call back on XX/XX/23 which I did but I they were not able to give me anything. I asked how long this process will take because I am really in need of something stating that this account would be closed and the money in the account is not accessible to me. I was given no answer. I have done nothing but cooperate with the bank the whole time. It's really horrible that they will not close the account or give me the verification that is need in order for my family to receive benefits. There should be a time limit on investigating fraud. My family should not have to suffer over an issue I had nothing to do with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List 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 Has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

CitiMortgage received a short sale offer from me on XX/XX/XXXX. I'm an XXXX XXXX military service member that has had orders. I have been in default since I had to leave. We submitted the short sale XX/XX/XXXX - Citi took this time until XX/XX/XXXX to say that my file was REJECTED because they said that the " borrower '' which would be me, dated the purchase contract XX/XX/XXXX and my property was not on the market 15 das PER HUD GUIDELINES. My property WAS on the market for over 15 days. My property was LISTED XX/XX/XXXX, and then had multiple offers submitted on it. The buyers sign offers when they submit for review. My agent took it off the market to review offers with me on XX/XX/XXXX. From XX/XX/XXXX until XX/XX/XXXX is exactly 16 days. I did not fully execute the contract until the XX/XX/XXXX. We immediately escalated this with CITI to show them their error. They said it needed to have a variance from HUD which it does NOT because we met the 15 days on the market but some negotiator read BUYER signing date and substituted that with the BORROWER signing date ( which is the seller - ME ) - It has been SINCE XX/XX/XXXX to try to straighten out this issue. We have escalated to MULTIPLE departments, without response. Meanwhile my property sits, and my default days grows. My sale should be moving forward
Product: Credit reporting, credit repair services, or other personal consumer reports

Settlement paid to XXXX XXXX to settle charged off account. All three credit bureaus refuse to update reporting and blame XXXX  XXXX for inaccurate reporting. 

All the three credit bureaus show balances of {$1400.00} when it should reflect a {$0.00} balance. 

XXXX XXXX has confirmed on their end that balance was settled.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account number- XXXX I received a copy of my credit report. To my surprise, you are reporting this account incorreclty .This collection account is reporting not only as OPEN but also as past due balance of XXXX. According to the FCRA, I have the right to an accurate credit report please provide me with a copy of accurate credit report please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Product: Credit card

On XX/XX/year> at XXXX, I visited Sam 's Club in XXXX XXXX, CA located on XXXX XXXX. The associate who rung up my purchases fraudulently applied for the Sam 's Club store credit card using my social security number without my consent. 


As the associate was checking out my items, she told me I had XXXX dollars on my account and asked me if I wanted to use it to reduce my total. I initially told her no, that I would like to save it to pay for the membership fees I share with my daughter. The associate told me that it was XXXX dollars just for me and that everyone gets it on their account. After she spent some time cajoling me, I agreed because I trusted that she was acting in good faith as an associate of Sam 's Club. She told me that the discount would be immediately applied and that all she needed was my social security number. She turned the keypad around for me to input my social security number, which I did. Thereafter I saw something that said to hit 'accept '. I wasn't sure what to do. The cashier said here let me help you. She turned the keypad back around and hit 'accept ' herself. I expected my bill total to be decreased, and I gave her my money to pay for my purchases. She ended up charging me the full amount of my total. The associate then revealed that the XXXX dollars would actually be sent to me in the mail in XXXX weeks. She then moved on to the next customer and would no longer engage with me. She didn't explain to me what just happened nor what she had accepted on the keypad. 


I was very confused, so I returned to Sam 's Club the next day on XX/XX/XXXX at XXXX to speak to the manager regarding the incident. I described to the manager what the cashier did, that I was deceived about a potential XXXX dollar discount on my total. I expressed my confusion about why my social security number was needed. The manager conveyed she thought the cashier most likely used it to apply for the store credit card. The manager was dismissive of me and my concerns. The manager would not help me further and simply gave me the store credit card phone number to call. I attempted to get the manager 's name for my records as she had her badge turned away. She refused to tell me what her name was. I was shocked that a manager of Sam 's Club would outright refuse such a straightforward request.

I later called the number I was given for the store credit card and confirmed that the Sam 's Club associate did indeed apply for the store credit card in my name using my social security number. 


This is fraud, and this is illegal. I was never asked if I wanted to sign up for the store credit card. The Sams Club associate, in no uncertain terms, lied to gain access to my personal information and used it to apply for a credit card in my name without my knowledge or consent.
Product: Credit reporting or other personal consumer reports

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

I was approached yesterday on XX/XX/19, by a woman who said she needed help to buy food for her family. She gave me the impression that this would be a low cost purchase and so I offered help. On the way to the store, however, she revealed the cost would be in the hundreds and I refused. She said there was a nearby ATM that I could use to get some cash for her. While I was nervous during the entire interaction, at this point I began to fear for my life and safety, worried I could be XXXX, kidnapped, or XXXX. There have been a lot of kidnappings and stories of human trafficking in the news that started with a woman being the lure. I diverted her to my bank nearby. She waited outside the only exit for me and I withdrew {$40.00} in cash to give to her, desperate to get out of this situation. When I contacted Chase Bank the next day after reading about similar situations where the bank refunded them, I was told that since I " willingly '' made the transaction and there were no ATM errors, there was nothing I could do, despite the fact that I made it clear I was afraid for my life and safety and felt coerced to make the transaction.
Product: Vehicle loan or lease

In XX/XX/XXXX, I purchased a vehicle from XXXX and obtained financing from Santander Consumer USA. Shortly after I purchased the vehicle, I had a voluminous of mechanical and electrical problems and it was not safe to drive until the repairs were made ( per the XXXX XXXX ). Since I filed for Bankruptcy in XXXX, it was in my best interest to keep this vehicle and pay to get the repairs done. After I decided to keep the vehicle, I made my first payment in XX/XX/XXXX to Santander. Due to the overall cost of the repairs, I fell behind on my payments and subsequently Santander threatened to repossess my vehicle. After they filed a motion with the Bankruptcy court, we reached an agreement and the past due payments would be included in a repayment plans consistent with the terms outlined in the bankruptcy. Afterwards, I made XXXX payments as agreed on time for XXXX and XX/XX/XXXX, and all of my payments have went exclusively towards interest. The rep at Santander informed me that none of my payments would be applied to the principal since there were past due payments. My Attorney advised me that all payments from XX/XX/XXXX and here on out should abide by the original terms when I purchased the vehicle since the past due amount was included in a repayment plan as long as I pay by the XXXX each month. As of now, Santander is in violation because they are illegally taking every payment and applying it to the interest.
Product: Mortgage

The monthly payment continues to increase over the years. Additionally, each year, there is an issue or lack of funds for the XXXX account.
Product: Credit reporting or other personal consumer reports

Subject : Opt-Out Request Pursuant to 15 UCC 6802 Dear Bank of America I , XXXX XXXX XXXX am formally submitting this letter as an Opt-Out Notice pursuant to 15 UCC 6802. I am aware that Bank of America is not officially affiliated with any credit bureaus. However, if personal information and transaction history are being reported to credit bureaus, I insist on opting out of such information sharing. 

According to 15 UCC 6802, there is no exception to this opt-out request. I demand, unequivocally, that you immediately cease any sharing of my personal information with third parties in accordance with the mentioned statute. 

This is not a mere request but a formal demand based on my rights under 15 UCC 6802. I appreciate your prompt attention to this matter and expect confirmation of my opt-out status within a reasonable timeframe. Kindly provide written documentation confirming the fulfillment of this demand at your earliest convenience. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX UT XXXX Application ID XXXX They refused to approved me for a credit card base on false information from XXXX, XXXX, and Equifax. 
They say that based on my application they can not approved a credit card because my application is incomplete which is not true. If you dont complete the application it does not goes through because I did it on line. The say false statement like frequent delinquency what does not show you what? False statement in my credit report and old statement in my credit report. Length of time revolving account have been stablished. What revolving account if I dont have a credit card. I was a victim of identity theft.
Product: Debt or credit management

My lease on my car went to debt collection after I traded my car the dealer was supposed to pay it of which they did but it should have never been in my negative marks from tbe beginning I want it removed or I want to file a lawsuit for the collections agency or the dealer
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC XXXX XX/XX/XXXX RE : Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following account XXXX XXXX  is reporting a balance of {$5400.00} when it is my understanding and reason to believe that because this debt was charged off by you that is was memorialized with a Form XXXX as proof or evidence there of. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of XXXX on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

Please provide me with the return of the time and form as prescribed by regulation or the XXXX of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the XXXX. 

If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. Please forward any correspondence or changes to my credit report to the address listed above. 

Regards, XXXX XXXX