23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I 've disputed a purchase in the amount of XXXX from XXXX made on or around XXXX XXXX 2017, the item was not enclosed in the box and XXXX will not refund. They provided false/inaccurate information in their reply to dispute such as shipping address to XXXX, NY, delivered to a XXXX XXXX. The order date is from XX/XX/XXXX, a month BEFORE I placed actual order. They reference a XXXX watch sent as a replacement, a XXXX watch was actually ordered. I understand the bank, Continental Finance, is unable to verify such order information as item ordered and what brand. However, they are aware of correct billing and shipping address as well as my correct legal name, it is not XXXX XXXX nor do I live in XXXX, NY. Lastly, the order date is XX/XX/XXXX not in XX/XX/XXXX as their reply shows.. XXXX is known to either send empty watch boxes or defective items, they have numerous complaints against them. I sent in a rebuttal response which was not received in time as I did not receive initial reply soon enough to reply in re. I attempted to speak with a XXXX XXXX, left a message for her and was returned by a gentleman stating same information as was told by dispute dept. I was told again that they did not receive information in time for XXXX, there is only a certain amount of time to respond. Again, I did not receive information in time as the initial mailing was lost in the mail, never received. I was told to send in rebuttal reply anyway, then was denied any credit. I told the gentleman, whom I do not have the name of, that payments will cease until resolution is made in form of a credit in the amount of XXXX plus interest charges. The last payment made on or around XXXX XXXX, 2017,  will be last payment until resolution is made which I stated before.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XX/XX/year> LVNV FUNDING LLC XXXX XXXX XXXX, XXXX, SC XXXX Re : Debt Collecting Dear LVNV funding LLC, I am responding to your contact about collecting a debt. You contacted me by phone, on XX/XX/year> and identified the debt as take advantage of your repayment options for your XXXX XXXX XXXX XXXX ( for which the current creditor is LVNV funding LLC account! 

I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I was never late or missed any payments until I fell into a financial situation where my hours at work was reduced and income changed to decrease I tried to contact the XXXX XXXX tower loan when I spoke to XXXX XXXX he stated that if I don't have the payment in by XX/XX/2024 at XXXX XXXX he will proceed legal action in court I tried to explain my situation but he constantly kept calling leaving harassment messages. I always tried to make my payment to avoid repro or taken to Court I asking could you please help me in this matter or I will find a lawyer who will. Phone # XXXX
Product: Credit card

I was informed by letter by XXXX VISA that the company would be switching to mastercard. This switch would take place beginning in XXXX and the old VISA cards would remain active for 30 days after receiving the new mastercards or until XXXX 2015. However the company canceled my Visa card before the new mastercard arrived. This caused my automatic payments to be declined causing me additional fees. This also occurred while I was in a different city, effectively stranding me without my only credit card. I contacted the customer help number on the card and was informed that after an account has been canceled there was nothing that they could do. The representative did offer me {$50.00} for my inconvenience and offer to rush ship the card, but that did not help that my auto payments have been declined and I had the card canceled while I was in a different city.
Product: Checking or savings account

XX/XX/XXXX we had a unauthorized charge to our bank account with wellsfargo. They opened a claim and gave us our money back they called us and received more information from us and said they didnt need anything else here we are on XX/XX/2018 on XX/XX/XXXX two months later they took the money back of XXXX $ sending my account into over draft. When I called my bank asking what this was for they said the claim that they had opened back in XX/XX/XXXX and they never where able to receive information they needed from us. They said they sent us paperwork I have lived at the same address for 21 years I didnt receive anything. I sent in a email from the company who said they would not be taking any more payments from us until our furniture was fixed. And that they needed to order parts and we would make one more payment AFTER it was fixed and we Own the furniture since it kept breaking. We sent the paperwork and emails we had from the company who said they wouldnt take money and did and we also sent in paperwork stating we owned the furniture now from the company Wells Fargo said thats all they needed and it would take 48 hours here we are two weeks later and I keep calling wellsfargo and they dont even have a claim open. I want someone to do something about this they also opened a fraudulent account in my name without my permission a year ago but that is being fixed with someone else.
Product: Credit card or prepaid card

They fail to send statements like I have always received for years. Because of that a payment was missed. Because of that they charged a late fee and interest. This was for last month. This month they have failed to send a statement again and this time on their website, one document says no minimum payment is due today and another statement says {$41.00} minimum is due. So if I had believed their first statement, no payment would have been sent today and another late fee and interest would have been charged. This is a clear and obvious pattern of fraud! So then I call on the phone and their system will not accept responses so I can not even talk to anyone. I will not make any more payments now until these issued are corrected as this is a breech of contract and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see my attached documentation, as it contains my request.
Product: Checking or savings account

Early Warning Services , LLC Attention : Consumer Services Subject : Request for Account Verification and Removal Pursuant to FCRA and Applicable Laws Dear Early Warning Services, I am writing to formally request a review of the information associated with my name and records in your database, specifically regarding XXXX checking account and any records involving XXXX XXXX. 
Under the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. **, I have the right to dispute inaccurate or incomplete information reported about me and to request that it be verified or removed. I am concerned that the information related to the above accounts may not be accurate or complete. I am requesting the following actions under the FCRA : 1. Verification : Conduct a thorough investigation into the accuracy, validity, and ownership of the information related to these accounts. Please ensure the information is 100 % accurate, complete, and attributable to me. 2. Removal : Remove any inaccurate, unverifiable, or incomplete information, including the above accounts, if they are determined not to belong to me or if the data is incorrect. Additionally, per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) you are required to conduct an investigation and respond to this dispute within **30 days**. I request that you provide me with a copy of the findings of your investigation, along with an updated version of my file reflecting any changes made.

If you fail to comply with the obligations set forth under the FCRA, I am prepared to pursue further action, including filing additionalcomplaints with the **Consumer Financial Protection Bureau ( CFPB ) ** and other regulatory agencies. 
Please acknowledge receipt of this letter and confirm the start of your investigation in writing. 
Thank you for your prompt attention to this matter. 
SincerelyXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have an old outstanding credit card debt that I am currently paying to a debt collector, XXXX XXXX XXXX XXXX on a monthly bank draft for {$150.00}. The debt collector assigned to my account will call me to attempt to close out the account with an agreed amount, which I have not been able to do. If I do not answer the phone for any reason, he immediately calls my sons, wife, and an old business partner which have nothing to do with my debt. I 've tried to reason with him and have told him to stop calling people who have nothing to do with this, but he persists and continues to call them, actually calling XXXX of my sons this morning three times within a five minute period on his cell phone. I want this to stop. I have an agreement with them, and I 'm doing my part.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Attention : Mail Stop XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX RE : Loan # XXXX To Whom It May Concern : I am disappointed in the unethical practices I have witnessed regarding my loan, # XXXX. I suffered Covid hardship due to the long rent moratorium imposed in New York state. 

On XX/XX/XXXX, you wrote me a letter stating I was eligible for a modification lowering my interest rate to 2.875 % and the payment, {$730.00}. 

On XX/XX/XXXX, you wrote me a letter stating I was eligible for a loan modification lowering my interest rate to 2.875 %, and the payment, {$750.00}. 

On XX/XX/XXXX, you wrote me a letter stating I was eligible for a loan modification lowering my interest rate to 3.125 %, and the payment, {$780.00}. 

On XX/XX/XXXX, you sent me a mortgage statement with a payment due on XX/XX/XXXX, with the interest rate jumping to 6.875 % and the payment increasing to {$1000.00}. 

When I called Santander Bank on XX/XX/XXXX to question why the payment increased your representative replied reading a written statement there was a difference in taxes and insurances. When I questioned her that would not increase my payment that much, what increased the payment was you increased the interest rate to 6.875 % which raised the payment, she hung up on me. Is this the policy you advise your representatives when the customer catches you almost tripled the interest rate? 

I have paid every reduced payment you requested in the loan modification and am XXXX month ahead. You intentionally failed to send me a formal contract reflecting the 2.875 % rate and lowered payment even though I met your requirements. Instead, you chose to ignore the proposal you offered and ignore the fact I made the payments timely and increase the interest rate to 6.875 %. 

You leave me no choice to report your unethical, fraudulent practices. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. The representative I spoke with assured me that this late would be removed because it is reporting in error. I have attached a copy of the letter sent on XX/XX/2020 stating they requested my credit report be updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information. I have contacted the bureau to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$180000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00} -Charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$420.00} - XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX CREDIT XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax improperly submitted items to my credit report. I wrote, called requesting additional information of the debts. I asked for original contact with my signature and information of the original creditor. The name and address of the person who acquired the debts. I asked for an investigation. They improperly investigated my disputes. I called and was hung up on. Then the customer service representative lowered my score by over XXXX points with in an hour from my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$340.00} XXXX {$160.00} XXXX {$590.00} XXXX {$300.00} XXXX {$20000.00} XXXX {$500.00} XXXX {$30000.00} XXXX {$120000.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> **To : ** Sequium Asset Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt.

Please provide the following information as validation : 1. **Proof of the Original Contract** : A copy of the original signed contract or agreement that bears my wet ink signature, showing that I entered into an agreement with Sequium asset Solution. Without this, I have no legal obligation to recognize this debt.

2. **Verification of the Amount Owed** : An itemized accounting of the amount claimed, including any interest, fees, or other charges applied to the original amount. 

3. **Proof of Authority** : If you are not the original creditor, provide documentation showing your authority to collect on this alleged debt, including any chain of title or transfer of ownership.

4. **Verification of Identity and Address** : Confirm that you are attempting to collect from the correct individual by providing information verifying my identity as associated with this debt.

Please be advised that until you provide the requested documentation, you must cease all collection activities, including reporting this debt to any credit reporting agencies. Any attempt to collect or report this debt without proper validation may be considered a violation of the FDCPA and could subject your organization to legal action. 

I request that you respond to this request within 30 days of receipt. If you can not validate the debt as outlined above, I expect this matter to be closed and any negative marks on my credit report removed. 

Thank you for your prompt attention to this matter. 

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

Hi, I am XXXX XXXX and these inquiries are fraudulent, I never gave these companies written consent to report anything on my credit report nor did I give these companies written consent to have access to my consumer report violation of : XXXXPrivacy act of 1974 -15 usc 1681b ( a ) ( 2 )
Product: Checking or savings account

I was just recently hospitalized and token off work due to having a XXXX XXXX that I am still not fully recovered from. However i went back to work and have not been back to work for 30 days yet. Due to my hospitalization my checking account ended up being overdrawn almost {$400.00}. My job had my checks going direct deposit into my Navy Fed checking account which was paying off the overdrawn balance. I only owed {$97.00} left and Navy Fed closed my account without notice and even though the balance was getting paid off. I found out due to logging into my account and seeing the whole account gone and I only have access to the savings and credit card. Despite having bi-weekly deposits, the account paid down to not even {$100.00} and with no warning they closed the account.
Product: Debt collection

DNA has called my cell phone saying I have a debt, and to please contact them. I called to be told by a recording, this is attempt to collect a debt. I later heard from a representative asking if it is okay to continue on. I agreed to hear what they were talking about, and the process begin. I was asked all my personal information to find out they were harassing the wrong person, I did not want to disclose my personal information over the phone. After they told me they had the wrong person and the name given was my mother. I asked them to disclose the debt since they had asked me, my personal information, I was told I was n't on the account could not disclose her personal information without her consent. I did not give my mother my consent to be a credit reference. I 'm highly upset, there should be a law against putting a person on a loan for credit reference without their consent when applying for a loan.Also stop debt collectors from perusing non applicant ( credit references ).
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, i sent my FTC report, my State license to Trans Union, Equifax, & Experian, to report fraudulent accounts on my Consumer report.
Product: Credit reporting or other personal consumer reports

I have consistently disputed the inaccuracies in the provided information with XXXX, Experian, and XXXX ; regrettably, the matter remains unresolved to date. 

XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX l Contact of Third Party : Failed to identify themselves, or failed to state that collector is confirming or correcting location information Experian XXXX. The following personal information is incorrect Date of Birth : XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX Account Number : XXXX Contact of Third Party : Failed to identify themselves, or failed to state that collector is confirming or correcting location information XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX l Contact of Third Party : Failed to identify themselves, or failed to state that collector is confirming or correcting location information
Product: Debt collection

I am writing to express my deep frustration and annoyance with the continued presence of fraudulent accounts on my credit report. Despite my repeated attempts to rectify this situation, these fraudulent accounts persist, and it has become abundantly clear that your organization is failing in its duty to protect consumers from identity theft. 
Account Information : XXXX XXXX - PLEASE DELETE!!! 
XXXX XXXX XXXX- PLEASE DELETE!!! 
I can not emphasize enough the urgency of this matter. It has been years since I first reported these fraudulent accounts to your bureau, and yet they continue to tarnish my credit history, causing me financial and emotional distress. The presence of these accounts has hindered my ability to secure loans, obtain credit, and achieve my financial goals, all through no fault of my own. 
Despite all these efforts, I continue to receive no resolution, and these fraudulent accounts remain on my credit report. This situation is unacceptable, and it is clear that your organization is not taking the necessary steps to investigate and address this issue promptly.
Product: Credit reporting or other personal consumer reports

In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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