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

Request for VALIDATION, NOT Verification XXXX XXXX XXXX RE : Account # XXXX AND XXXX XXXX Last reported XXXX XXXX, XXXX {$640.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX OpenedXXXX  XXXX, XXXX ( 8 mos ) Account statusOpen Type -- ResponsibilityIndiv To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  and Trans Union are ignoring my requests to investigate, verify and remove accounts from my credit reports/files.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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 alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX on XX/XX/2022 XXXX
Product: Credit card

I placed a security deposit of {$300.00} as collateral for a secured credit card. US Bank closed my credit card AFTER I had paid the credit card balance in full. While I am not concerned with the closure, I have never received the security deposit US Bank held. I have sent multiple requests to US Bank, including the proper address to return the deposits funds to. However, after apx 1 year, I still have not received a response from the bank or the funds that should have been returned. 

I am requesting that US Bank return my full security deposit plus any applicable interest to the following address ( same as on file ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX
Product: Checking or savings account

The financial company I have been dealing with is Payward Ventures Inc. DBA . Kraken. XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX CA XXXX My account access has been blocked since XXXX. I thought it was a login problem. I filed support requests and for months I received automated emails telling me they are working on it. I wrote letters to the company in XXXX but received no response. 
I month ago on their chat help line I was told that my account is locked. No explanation was given. The chat help service says there is nothing they can do. I believe they have closed my account and taken my money. I have tried to contact them through all public means and have received no response. 
I have copies of some of the chats and of their automated emails and the letters I sent. 
Please can you help me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Victim was not availed the opportunity to submit an online dispute via the Companies listed Dispute resolution center. There is not now, nor has ever been an effective dispute resolution process at Experian. In order ton file a dispute, a victim must pay a {$26.00} fee to be eligible to file a dispute. XXXX. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] I, ( hereinafter referred to as Victim ( See 142 ( b ) ( 7 ) Victim of Trafficking ) Do hereby attest that I am a victim of trafficking for purposes of section 605C of the Fair Credit Reporting Act.Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ), and shall be subject to enforcement by the Federal Trade Commission under section 5 ( b ) of that Act with respect to any consumer reporting agency or person that is subject to enforcement by the Federal Trade Commission pursuant to this subsection, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission XXXX. The Federal Trade Com- mission shall have such procedural, investigative, and enforcement powers, including the power to issue procedural rules in enforcing compliance with the requirements imposed under this title and to require the filing of reports, the production of documents, and the appearance of witnesses, as though the applicable terms and conditions of the Federal Trade Commission Act were part of this title. Any person violating any of the provisions of this title shall be subject to the penalties and entitled to the privileges and immunities provided in the Federal Trade Commission XXXX as though the applicable terms and provisions of such XXXX are part of this title. State governmental entity. The Bureau proposed treating documentation of a determination that a consumer is a victim of trafficking by a State governmental entity as including documentation created at either the State or local level. The Bureau noted that local law enforcement, as part of a local government, may have documentation of a determination identifying victims of trafficking, including, but not limited to, items in a police report.
Product: Mortgage

On XX/XX/2017 I sent a request for mortgage assistance to the servicing company to my mortgage loan. The reason my loan became delinquent was because the monthly payment the lender offer were much higher than promised. I have applied for loan modifications several times but always get denied due to inconsistent reasons. I was recently advised by my loan 's servicing company that they are no longer taking any more documents to process a loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}, BankruptcyXXXX  XXXX Filed on XX/XX/XXXX Reference number : XXXX Court : XXXXXXXX XXXX VA XXXX, Bankruptcy : Discharged XXXX XXXX on XX/XX/XXXX Referencenumber : XXXX Court : US DIST CT, XXXX  XXXX bankruptcy discharged Filed on XXXX XXXX Reference number : XXXX Court : U.S. Bankruptcy Court, XXXX XXXX  Inquired XXXX XXXX XXXX XXXX, XXXX CARD Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, FINANCIAL PA Inquired XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Debt collection

Not reporting correct date with credit grantor. Should be showing 2013.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant the Fair Debt Collections Practices Act, Equifax must delete and remove the following item off my credit report/file : Account # XXXX XXXX Bankruptcy XXXX. I have previously submitted disputes with Equifax along with the necessary XXXX  and law enforcement reports necessary to block this item from appearing on my credit report/file. Equifax uploaded these legal documents to my disputes. I confirmed this with an Equifax supervisor. I am a victim of identity theft. The other XXXX XXXX Agencies have completed their investigations and have removed this item, Account # XXXX which can not be verified and must be deleted. Furthermore, the phone number [ XXXX ] appearing on my Equifax credit report is not mine, I ask that you also delete this inaccurate information. Lastly, I request a free copy of my credit report and file from Equifax pursuant the Fair and Accurate Credit Transactions Act.
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, I regret to inform you that these items still persist on my record. As we enter the tenth attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. Please help me remove these items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE 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 EQUIFAX MORTGAGE SERVICE XXXX. XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting two medical accounts on my credit report as being in collections with the debt collector XXXX XXXX XXXX. They are designated as XXXX. 

For two reasons, these two accounts fall under the new rule that went into effect XX/XX/2017 regarding medical accounts. ( 1 ) both accounts were incorrectly billed by the original creditor, and as a result were initially not appropriately covered by my health insurance company. Accordingly, I disputed the accounts. An audit process was initiated by the original creditor ( XXXX XXXX XXXX ), with the result that additional insurance payments were received on the two accounts, and then the remaining balance for both accounts were immediately paid down to zero -- paid directly to the original creditor, not the debt collector. ( 2 ) During the dispute and audit process, the original creditor had assigned the two accounts to debt collector XXXX XXXX XXXX, even though ( a ) six months had not passed, and ( b ) the accounts were in the process of dispute and internal audit by the original creditor. 

Rather than deleting both accounts from my credit report entirely, Equifax simply updated the two accounts to show as " paid '' with a zero balance. Consequently, they unfairly lower my credit score. That is not correct according to the 2017 FCRA rule. Both medical accounts should be deleted, rather than penalizing me for errors made by the original creditor.
Product: Credit card or prepaid card

I opened an account with Barclays in XXXX. I have ALWAYS paid my bill on time using autopay, never been late, and paid more than the minimum balance of $ XXXX & periodically paid down the balance significantly. In XXXX, I paid off my acct in full. Then they sucked me back in by offering 3.99 % on purchases until XX/XX/XXXX. I was a sucker and took advantage of it & started using it in XXXX. I then set my acct up for autopay again to pay the minimum due. However, in XXXX, Barclays took my full amount due. I contacted them & stated that was not what I selected & their system mistake. The rep said she couldn't do anything about it although they had not taken the payment from my bank acct yet & that it would take up to 3 months to resolve. I said the whole point of contacting them was bc I could not afford to pay off the full balance at that time & needed my money. The rep said I needed to go through my bank so I did. My bank refunded the money to me & then Barclays refunded the money stating that I did not agree. I contacted them & stated I was not trying not to pay & immediately returned the payment it credited to me. Next thing, I get a notice a few days ago that my acct is late. I contact them & stated I had autopay on my acct but apparently they removed autopay when there is an issue. I contacted them XXXX bc I don't pay my bills late EVER! So I paid them almost {$1000.00} so that I am at 60 % of my credit limit of {$3200.00}. They XXXX me & REDUCE my credit limit to {$2200.00} when all I had to pay them was below {$50.00} minimum payment. THIS IS WRONG AND UNETHICAL! They are trying to ruin my credit profile with the credit agencies and limit my credit! Why? They got their money! I have been a card holder for 9 YEARS. Credit card companies should not be able to do this. If I had only paid {$50.00}, I'd have {$3200.00} credit limit. I told them I was going to report them and they committed revenge on my credit! While writing this I received a message from Barclays after an earlier message to them calling them out, and they have now reduced my limit to {$1700.00}. so now I have an outstanding balance over the limit which I have never had. SO UNETHICAL!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XXXX XXXX XXXX , XXXX has been harassing me despite having paid them off already. I set up a payment plan and settled. I completely paid them off inXX/XX/2021, last week, they send me a letter stating I now owe {$50.00}. I called them and they told me I don't have a balance. I informed them of the letter, they then stated oh I do have a balance then. I asked why when they just told me initially I am paid in full. They began to ask me questions on when did I pay it off. I informed him the dates should be right there in his system since he just told me I had no balance at the beginning of the call. I asked for a supervisor and the agent laughed and put me on hold for over 5 mins. I called back and the same thing happened, I was told I have no balance, informed of the letter and again, all of a sudden now I do have a balance. Then the agent began talking about a debit for Verizon, I have never had any service of any kind with Verizon. I could barely get a word in, the agents kept cutting me off, raised their voices over mine. All I wanted was for the to validate this new " debit '' I owe. But they couldn't seem to answer any of my questions, explain anything, and would refuse to let me speak to a supervisor. These people are scammers and need to be looked into.
Product: Checking or savings account

My husband and I bought a one-year {$1.00} XXXX CD from HSBC on XX/XX/XXXX with an APY of 4.25 %. We redeemed the CD upon maturity on XX/XX/XXXX. Instead of paying us {$42000.00} in interest as promised, HSBC paid only {$42000.00}. HSBC claimed, " per regulatory requirements, '' it was permitted to pay us less interest than it promised.
Product: Debt collection

Re case #  XXXX  &  XXXX    XXXX   XXXX  ,  XXXX   XXXX   XXXX  and as of today    XXXX   I  received a call from a collector representing the  XXXX   XXXX , the agency is  Brett Borland Law Office.      First the  XXXX   XXXX  attempted to collect over {$4000.00} from me by falsely stating that I failed to give them proper notice to vacate the apartment. They went so far as to write it in my file and put the fee on my credit report and hired  XXXX   XXXX   XXXX  to collect.     I wrote several letters asking the   XXXX   credit bureaus for validation of debt and verification of debt. After several attempts and finally receiving my file from the  XXXX  I reviewed it thoroughly. The discrepancies I discovered made me wonder if  XXXX  had really reviewed/verified/validated, or did they just want money?, I wrote and told  XXXX  that if  XXXX  claims they evicted me, why in my notes from the  XXXX  file is it stating that I owe {$500.00} plus fee for insufficient notice to vacate the premises. The answer is because I vacated the premises and was never evicted.  XXXX  merely deducted the {$500.00} plus dollars and readjusted the amount owed to the credit bureau 's, by fair credit reporting law they were supposed to delete it - or so I thought?     Then the  XXXX  claimed they got a court order from a judge and had a sheriff put me out. I asked  XXXX  months ago to produce the documents because they are making additional false statements and representations. I called  XXXX   XXXX  Courts and no such record exists is what I was told. Also, The  XXXX  released me from my lease due a tenant breaking in my place. I have a document signed by a  XXXX   XXXX   XXXX  and the police report - both of which I submitted to  XXXX  several times, each time they claimed it was not legible after they scanned it in their system. I asked  XXXX  if it were possible to look at the release and police report before they scan it in, then it would be undeniably visible ; they said they would not.     Now ,    XXXX    I go t a call from the law offices of  Brett Borland . The collector said they are collecting for their client the  XXXX  Apartments. Is yet another agency trying to collect on an account for which their is no legal proof of their allegations of a court ordered eviction? And why are   XXXX   agencies collecting for the same account. Just last week  XXXX  was the collector of record?
Product: Prepaid card

I am submitting a complaint against Netspend after reaching out to the IRS and conducting a refund trace, which revealed that my refund was not offset. The IRS investigation confirmed that my refunds had been sent to Netspend. I had XXXX accounts with Netspend- I was unable to access the first account due to forgetting my login information, so I created a second account. Due to my relocation, I did not receive cards for either Netspend account. Both accounts had direct deposits, but I have not received any funds from the first account after disputing both accounts for fraud. Netspend intentionally misclassified the dispute for the first account as an error for XXXX direct deposits totaling a lil over {$3000.00} each. The dispute for the other Netspend account was correctly labeled as fraud, and I have received some of the funds from that claim via a check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not enough information to verify debt : In XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I requested an investigation be conducted by the credit bureaus of an alleged debt owed by me in the amount of {$730.00}. ( account # XXXX ) A proper investigation according to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 ) ( A ) requires PHYSICAL verification of an original signed consumer contract and not an electronic or XXXX  verification under which a lot of investigations are being conducted. This software has limitations when it comes to conducting a proper investigation of records to which I have recieved verified as accurate without recieving the documentation that I have requested which is a violation of federal law.