23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I SENT A MAIL ASKING FOR VALIDATION OF THE DEBT THEY CLAIMED I OWE DATED XX/XX/XXXX, THEN ANOTHER ONE ON XX/XX/XXXX. BECAUSE OF NO RESPOND I FOLLOW UP ANOTHER LETTER DATED XX/XX/XXXX. I HAVE BEEN TRYING TO REACH OUT TO THEM AND ASK FOR A PROPER VALIDATION OF THE DEBT FOR {$310.00}. THEY NEVER RESPONDED TO ME. HOW CAN THEY VERIFY THE ACCOUNT TO THE BUREAUS IF THEY CAN'T VALIDATE THE ACCOUNT WHEN I ASKED THEM TO.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 XXXXXX/XX/year>
Product: Debt collection

To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX sect. XXXX ) & ( XXXX XXXX XXXXXXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX  WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSU
MER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Debt collection

Debt was incurred on XX/XX/XXXX. I received a bill in the winter of XXXX. I still do not know exactly what this was for, however I only received the bill after there was a mix up on the dentist office on XX/XX/XXXX. I did pay the bill on XX/XX/XXXX for {$160.00}. On XX/XX/XXXX, I received a bill from XXXX XXXX XXXX asking for {$40.00} more in payment. I called the Dentist office, XXXX XXXX XXXX and spoke to XXXX. She informed my bill was paid in full on XX/XX/XXXX. They were not helpful ; telling me I had to call the collection agency and settle. The office is the reason I no longer go to this dentist. I then called XXXX for XXXX XXXX at ext XXXX, however I spoke with a lady, sorry I did not catch her name. She informed me that even if I paid the bill, I still owed them {$40.00} for a collection fee. I paid the bill two plus month before the date of the Collection letter. She did tell me she would mark the file disputed. I said thank you and to make sure it does not show on my credit report. The lady rudely said 'goodbye ' and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in disputes to TransUnion, XXXX, and XXXX about these fraudulent inquiries on my report. TransUnion keeps informing me about their policies and stating that they can not remove fraudulent accounts unless I contact the creditor. The point is that I have never contacted these creditors for an account in the first place. I also think that since they wish to continue reporting these inquiries as they are unlawful, they should pay the {$1000.00} per violation according to the following guidelines in the FCRA : 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 1681 Section A. States I have the right to privacy 15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

Yesterday on XX/XX/year> I had XXXX hard inquiries on my transunion account that I did not authorize. I tried to contact these companies by the phone numbers listed on Transunion and the automated system will not allow me to proceed without providing my social security number, which I will not do. These appear to be credit card companies and I did not solicit any of them. 

I am also forced to use a program at work called XXXX for my financial statements among other things. I received multiple notifications that my account was attempting to be accessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Hard inquiries were not made by me. I do not have any recognition of them nor did i ever attempt to get any services with any of the following companies ; 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
Product: Checking or savings account

I had checking, savings, CD and investments at JP Morgan Chase. I have been a loyal customer for 18 years. On XXXX I went to use my debit card to pay for my lunch and my card was declined. I contacted Chase and they told me there was suspicious activity so all of my account are being closed and a cashiers check would be mailed out for each account. After talking to chase hundreds of times over the past month and half, no reason has been given except Chase has the right close accounts at anytime. It took me over a month to receive a cashier check for my checking and savings account. I still have not received a cashiers check for my sons checking account that was linked to my account that he has had since he was XXXX and now is XXXX. Every time I call chase bank they give me the run around about the final cashiers check. They stated the check is in process, then the check was mailed with a check number, I have been calling back on a weekly basis and now they are saying the cashiers check was approved to be mailed and is still in process. I have never in my life dealt with something like this. You should be able to trust your bank. Any advise would be appreciated.
Product: Debt collection

This Affirm is a fraud Company. I don't know them and by fraudulently they inserted their name in my credit report and damaged my credit report. I sent 2 disputed notices to their addresses that were not my account so they dispute that account and if within 30 days they fail to dispute that account then they want to delete that account from my credit report. But they didn't reply to me back. After 30 days I sent one more notice to them that they failed to verify that account and after that, they didn't delete that from my credit report now I can't wait another 30 days so now you need to delete that account from my credit report immediately.

But after that, it's been 10 or more days completed they didn't reply to me back or didn't delete that unknown account from my credit report. So Affirm is really and really fraud Company first they inserted unknown accounts into people 's credit reports and second, they didn't send answers to people and by FCRA law they didn't delete accounts also after 30 days when they failed to verify or validate the account.
Product: Credit card or prepaid card

Made 3 payments totaling XXXX dollars in XX/XX/2021. Sent payments to a lockbox address given to me by the companies customer service representative. The company switched lockbox addresses and did not inform the customer. Payments of XXXX dollars were posted to the account. There has not been a correction on this account. There is an outstanding XXXX dollars not posted to the account. The lockbox address was switched in XX/XX/2021. I had no knowledge of where to send my payments in. The company informed me that the payment would be forwarded to the new lockbox. I disputed this with the company in XX/XX/2021 because my payments were not posted in time.
Product: Debt collection

I HAVE NO AGREEMENT OR CONTRACT WITH COMPANY WHO I HAVE STATED ON MULTIPLE OCCASIONS THAT THIS NEEDS TO BE REMOVED IMMEDIATELY THIS DEBT CAN NOT BE VALIDATED BECAUSE THIS COMPANY HAS NOT PROVIDED THE ORIGINAL CONTRACT WITH MY ORIGINAL SIGNATURE NOR ANY KIND OF PAYMENTS THAT WAS MADE TO THIS ACCOUNT PLEASE PROVIDE OR DELETE IMMEDIATELY
Product: Vehicle loan or lease

XXXX XXXX has made fictitious 30-day late reportings violating consumer protection laws. I have provided proof of the payments yet the credit bureau insists on reporting incorrect information affecting my livelihood. 
Additionally, proof off payment has been submitted for XXXX XXXX, XXXX XXXX and credit one all with incorrect reportings. 
Further, XXXX frivolously ignored the requirement to notify my eligibility for participation in the State of FL lawsuit ordering relief to include forgiveness, and/or balance waivers resulting from deceptive practices in violation of Consumer Protection Laws. I request this account be deleted due to this violation and noncompliance.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : 1. Account Name : [ XXXX XXXX ] Date Listed : [ XXXX XXXX, 2017 ] Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information. 

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law. 

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made. 

Please respond to this dispute within the legally mandated 30-day investigation period.

Failure to comply may result in further action to enforce my rights under the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

I had Medical Insurance those medical bills on my account should have been removed or never put on my credit Report i have been trying for yrs to get them removed and they are still showing up on my Report plus i also did a Bankruptcy and they were all suppose to be on that Bankruptcy report..
Product: Debt collection

After reviewing my credit report and doing some research l 've noticed that as a consumer my rights are violated by your company. Please take the time out and fix these issues.

In violation of FCRA 15 US Code 1681b ( a ) ( 1 ) ( 2 ) permissible purpose In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

In accordance with the written instructions of the consumer to whom it relates.

Violation number # 2 FCRA 15 US Code 1681a ( 2 ) ( B ) Violation number # 3 FCRA 15 US CODE 1681e ( b ) Violation number # 4 FCRA 15 US CODE 1681a ( 2 ) ( A ) ( i ) This Is a violation of the FCRA and Is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CR5A enacted CDIA XXXX XXXX COMPLIANCE regulations. This letter will ALSO be sent to CFPB, FTC, XXXX PLEASE REPLY IN A TIMELY MANNER WITHIN 30 DAYS THANKS. Also a past due balance is reporting how can it be in collections reporting a past due amount inaccurate.
Product: Credit reporting

I have disputed this account over 4 times If I can recall. This account is not past due nor it is supposed to reporting late. Equifax deleted the historical information but did not delete the historical codes. I have attached the dispute confirmation. Equifax also deleted the account from me credit report reinserted it without sending me proper notification. Confirmation # XXXX XXXX. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information. 
( B ) Requirements relating to reinsertion of previously deleted material. 

( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted The above-mentioned account was deleted from my file on approximately XXXX XXXX, 2016 and XXXX XXXX, 2016 ( please see enclosed page of credit report which details this ) and was reinserted on or before XXXX XXXX, 2016. Please permanently historical account codes and send me an updated credit report after it has been corrected. Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX  XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate. 
XXXX XXXX XXXXXXXX XXXX # xxxxxxxxxxxx XXXX XXXXXXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX # xxxxxxxxxxxx XXXX XXXX # xxxxxxxxxxxx XXXX XXXX XXXX XXXX # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX # xxxxxxxxxxxx XXXX XXXX XXXX XXXX # xxxxxxxxxxxx XXXX XXXX XXXX # xxxxxxxxxx XXXX
Product: Credit card or prepaid card

To whom it may concern, On XX/XX/2017 I paid off my credit card for the amount of {$680.00}. At the time the payment was going through my personal checking account was compromised with fraudulent activity. I didnt realize til a couple days had passed so I ended up closing my checking account. So thinking that the credit card was at a {$0.00} balance i was using my credit card for online purchases. Then the payment was returned. But they kept trying to debit my account the same amount. Since the checking account was closed i kept getting charged a {$25.00} return fee. So i ended up having to owe the {$680.00} plus what i had spent on online purchases, a total of {$1300.00}.
Product: Mortgage

The company cancelled the insurance policy I've purchase for myself in favor of its own insurance that is nearly 4 times as expensive. Then on top of that, I backdated the insurance policy to point where now it's charging me for two policies at once, once on XX/XX/2019, then again on XX/XX/2019.
Product: Credit card or prepaid card

On my Gap card, my payment is due on the XXXX  of each month. I receive all kinds of updates on the card, promotions, receipts, payment confirmation but I never actually receive a bill. I have gone paperless, and even though I have communicated with them before about the lack of billing notices, nothing happens. I signed up for text messages to tell me when my bill is due, but still nothing. I was one day late this month, paid on the XXXX  because I remembered too late, not because I ignored the bill. I know that I am responsible for paying on time, but there is no other card or bill that I receive on any other account that doesn't remind me when a bill is due via email/text or through the mail. I feel like Gap does this on purpose to collect the outrageous {$39.00} late fee from consumers who never get a reminder that their bill is due.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy-discharged Reference # : XXXX
Product: Vehicle loan or lease

As the balance is lower and loan is close to be fully paid, bank is charging insurance charges. Bank informs it is in the contract, but does not present the evidence. I didn't find it. 

Request for : 1 Stop charging the insurance- it was not charged for almost 40 months and suddenly started 2 Send me the balance to fully pay off the loan. Without insurance.
Product: Debt collection

I am filing a complaint against Portfolio Recovery regarding their collection practices, which I believe constitute harassment. 

Timeline of Events : Date of Initial Contact : OpenedXXXX. XXXX, 2020 : The collection account was opened by Portfolio Recovery. 

Nature of Contact : Portfolio Recovery initiated contact regarding the collection of the debt.

Frequency of Contact : Portfolio Recovery has engaged in a pattern of aggressive and relentless communication regarding the collection of the debt. The frequency and nature of these contacts are as follows : Multiple Calls Per Day : I have been receiving multiple calls from Portfolio Recovery on a daily basis, sometimes as frequently as XXXX times per day. 

Calls at Unreasonable Hours : Portfolio Recovery has also contacted me at unreasonable hours, including early mornings, late evenings, and weekends, disrupting my daily activities and causing undue stress. 

Repetitive Calling : Additionally, Portfolio Recovery has demonstrated a pattern of repetitive calling within short timeframes, often immediately redialing if the call is not answered. 
Portfolio Recovery 's communication tactics have included various harassing behaviors, creating an intimidating and distressing environment : Threats : Representatives from Portfolio Recovery have made explicit or implicit threats regarding legal action, wage garnishment, or other punitive measures if the debt is not immediately resolved. These threats have been made repeatedly and without merit, instilling fear and XXXX. 

Abusive Language : During communication attempts, Portfolio Recovery agents have used abusive language and employed aggressive tones. They have been disrespectful and intimidating, disregarding my rights as a consumer and resorting to demeaning language. 

Intimidation Tactics : Portfolio Recovery has engaged in intimidation tactics, such as repeatedly calling family members, friends, or colleagues regarding the debt, despite being informed not to do so. This invasion of privacy and harassment of third parties adds to the distress caused by their actions.
Product: Debt collection

I pulled my credit report and seen this account claiming i owe the amount of {$1100.00} from this company named L J ROSS ASSOCIATES, i an not aware of this company or debt.
Product: Credit reporting or other personal consumer reports

EXQUFAX SAID THEY NEEDED MY DRIVERS LICENSE THEY DID NOT KNOW WHO IS WAS
Product: Credit card or prepaid card

Comenity Bank XXXX XXXX XXXX ) website and all customer service options have been offline for over a week and they are not providing any information at all about how they will handle customers being unable to make payments. Their phone lines are not accepting calls and they say customer service agents can not apply payments or even see account details. My payment is due tomorrow and I have been trying over a week to access my account, which is unavailable.