23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear IQ Data International, I am writing to formally dispute the alleged debt associated with account number XXXX XXXX XXXX, which you claim I owe. This letter serves as my official notice, as provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c, regarding your communication and collection practices.

According to 15 U.S. Code 1692c, a debt collector may not communicate with a consumer in connection with the collection of any debt : At any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.If the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time.

At the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

I request that you immediately cease all communication with me regarding this matter at my place of employment, my home, and any other location that would be considered inconvenient as per 15 U.S. Code 1692c ( a ) ( 1 ). Additionally, I am notifying you that I am disputing the validity of this debt in its entirety.

Please provide me with the following information : Validation and verification of the alleged debt, including the original creditor 's name and address.

The amount of the alleged debt, including an itemized statement of the claimed balance.

Any documentation evidencing that I owe this debt.

Furthermore, I request that you provide me with a copy of the original signed agreement or contract which states that I have agreed to pay the alleged debt.

In accordance with 15 U.S. Code 1692g ( b ), I request that all collection activities and communication regarding the alleged debt be suspended until you provide me with the requested documentation and validation of the debt.

Please take notice that if your office fails to comply with the aforementioned requests, I will not hesitate to report your actions to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) for violations of the FDCPA.

Thank you for your immediate attention to this matter. I expect a prompt response within the 30-day validation period as required by the FDCPA. 

Sincerely, XXXX XXXX This letter asserts your rights under the FDCPA and formally disputes the debt, while also demanding validation and ceasing inconvenient communication. Ensure you keep a copy of this letter for your records and send it via certified mail with a return receipt requested.
Product: Credit card or prepaid card

Chase will not let me pay my chase credit card payment with my SSD card. XXXX XXXX. The bank and Master card say it is to be taken by anyone that takes Mastercard. I've tried to make a paid in full payment 5 times. 
Now Im being threatened with a charge off on my credit report. chase.com/Customer Service or call XXXX.
Product: Checking or savings account

I talked to South state bank recently and told them that I couldn't pay back the {$680.00} dollars in overdraft fee because I didn't have the money to pay and back, I asked them to close the account and to pay off the overdraft fee for me since I couldn't pay it back and they refused
Product: Mortgage

Each time i file a complaint with your agency if tip off the people i'm complain n about then they harass me. 

If you can not do your job them send the complaint to the FBI As a XXXX Veteran the company XXXX XXXX XXXX has attempted to extort, defraud and lie.
Product: Checking or savings account

I bank with Capital One and on XX/XX/XXXX at XXXX XXXX. They sent an email out that said that deposits transfers and direct deposit would be delayed until Friday morning XXXX XXXX it is now XX/XX/XXXX at XXXX in the morning and I still do not have my direct deposit. My account is also being overdrawn because I have automatic payments that come out on my payday because I expect for my money to be there I have numerous payment scheduled for today that are either not gon na go through or going to overdraw my account because Capital One is withholding my funds that I worked for and rightfully deserve on time. They shouldve notified people earlier instead of the night before this is the most inconvenient thing that has ever happened and I can not wait to cancel my checking account with this bank. Millions of people are dealing with this. Capital One needs to be shut down.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) inaccurately recorded a late payment on my credit history. The inaccuracy XXXX recorded was for XXXX 2018 and has negatively impacted my score. This is report is incorrect. I spoke to several representatives in attempts to close my account and received incorrect information. I was initially told that my payment was received and processed and there would be no issues with moving forward to closing my account. Which I learned was not closed until XXXX due to their delay. Then I learned that XXXX inaccurately reported a late payment to my credit history. My payments on the now closed account were not late. The account balance was fully paid off with no late payments. I have tried reaching out to XXXX, XXXX, and Experian companies and disputes were filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Account that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX I XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an repossessed car that was fraudulently put in my name. I've asked for to be shown validation of debt on numerous occasions, but to no avail. I've sent in paperwork and police report showing it wasn't my vehicle and yet XXXX  won't remove said item. My next and only recourse if this matter cant be resolved its to take legal action against XXXX and the company AutoTrakk LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been almost 3 months, Im calling them multiple times. I gave them all my correct information my Drivers license, XXXX XXXX card and utility bill. Whatever was need to verify my details. I called them and told my Date of Birth is wrong my credit report. Even it shows some phones number on my report that doesnt belong to me. My credit score is getting affected day by day. Number are of inquiries are being made my credit report that doesnt even belong to me. 
I am paying all my credits on time, then why I should see my credit dropping down because of someone. Im frustrated from Equifax replies, they always say next week it will be fixed but it never happens. My reference no. For the dispute that I filed is XXXX. 
RE : EQUIFAX REFERENCE NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

Per the IRS, a lender ( American Express ) that cancels, discharges or forgives a debt of {$600.00} or more is REQUIRED BY LAW to send a 1099-C to the borrower. As such, the borrower must report the 1099-C as taxable income and this taxable income can no longer be disputed or collected by the lender. Not only has American Express failed to issue me the required 1099-C, they are in violation of my rights under the FCRA 15 USC 1681 by XXXX ) incorrectly reporting a balanced owed on my credit file, XXXX ) reporting income that is taxable to me and XXXX ) violating privacy.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Dear Sirs I opened two business accounts with Bank of America in XX/XX/2019. I received a letter last Saturday stating they are closing my accounts. 

The letter stated I have 21 days until the accounts are closed. 

I believe this is against the law and a violation of rules.
Product: Credit reporting

I contacted the company listed in this dispute about an unauthorized inquiries reflected on my credit reports. I advised that the credit inquiry by their company is damaging my credit rating. I requested full documentation and supporting information regarding the circumstances resulting in the review and placement of either a hard/soft inquiry on either my XXXX, XXXX, and/or XXXX credit file showing pursuant to the permissible purpose provisions of the Fair Credit Reporting Act. Since I did not authorized the review of my credit file by this company, I kindly requested the inquiry be removed. The company has not replied nor provided supporting documentation to validate the inquiry or removed the inquiry. 
Therefore, I am seeking your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with Experian about an address that is not correct. It says XXXX XXXX on XXXX XXXX XXXX in XXXX, Missouri XXXX. Because of that address it is affected me getting future credit. I live on XXXX XXXX XXXX XXXX, Missouri XXXX. Any and all incorrect information on my report should be removed. I asked if you would step in and tell them to remove that address on my report. If it is not accurate then I have the right to have it removed. Thank you very much
Product: Credit reporting or other personal consumer reports

Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 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 Credit Cards from XXXX Bank with a balance of {$1400.00}XXXX XXXX  Loans from XXXX XXXX with a balance of {$1700.00}. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. 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: Credit reporting, credit repair services, or other personal consumer reports

Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Credit card or prepaid card

On  XXXX   XXXX ,  XXXX  I received a letter fro m Citi Bank telling me I may have been enrolled in an optional debt protection program offered by Citibank N.A. f or which I was charged a monthly fee. At no time did I agree to such a program or have a record of agreeing. I appreciate tha t Citi h as reached out, but after submitting a claim on a potential refund I was informed this would be handled by early  XXXX , which seems excessive. Also, given the misrepresentation by  XXXX   XXXX , I find this behavior to be suspect overall on the part of Citibank.
Product: Credit card or prepaid card

On or about XX/XX/2019, I disputed an accidental charge made on my NetSpend pre-paid card. They immediately canceled my card which meant from that instant I had NO access to ANY of my money. After I reported the dispute, I had to call the customer service number to get a new card sent to me and I was told I would be charged {$10.00} for a new card! This is because the only option they have for disputes is to mark the customer 's card " reported lost or stolen '', which is incorrect. 
On XX/XX/2019, after they still hadn't resolved the dispute on my card and I found that I can't just purchase a new pre-paid NetSpend card *without loading money on it at the time of purchase*, I finally broke down and ordered a new card for {$9.00}. I also paid an extra {$20.00} for 'expedited shipping '. 
Today 's mail came - still no card. I now have three of my bills that are sending me emails they couldn't process my card because of these idiots and I'm almost out of gas as well and as I mentioned before, even tho my direct deposit hit my account on XX/XX/2019, I still have NO access to my account or money and they STILL haven't resolved the dispute!
Product: Credit card

All my personal and business Amex accounts were suspended in XX/XX/2023. There were several disputed charges on two business cards ( XXXX and XXXX XXXX ) and I provided details about these charges as Amex requested. They kept my all accounts suspended. In all my correspondence with Amex regarding this issue, they never provided any explanation as to why all my accounts were suspended, particularly the personal cards. 

On XX/XX/2023, they closed all my accounts with no notice or reason provided. I am requesting an explanation for the account shutdown after 17 years as a customer. 

I also am requesting refunds for all unused credits on all my cards since XXXX including XXXX credits, hotel credits, wireless credits, XXXX credits and any other credits I was unable to use. I also would like my accounts reopened, particularly all my consumer accounts as none of them were affected by any of the disputed charges.
Product: Credit card or prepaid card

This is about my CNB XXXX XXXX XXXX Credit Card. I was charged the annual fee in XX/XX/2019, then CNB sent notice to me announcing that they are cutting the card benefit significantly. I called customer service to close the card and asked for a refund for the annual fee. The credit card is closed however there is no response to my request for the refund.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year>, I have sent several written requests that have all inaccurate information removed from my credit report. Not now nor ever have I granted permission to have my report shared with anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the pandemic, I suffered financial hardship. I contacted my vehicle loan agency, Consumer Portfolio Services, and my payments were deferred. I caught up with all my payments and noticed on my credit report, that my payments were being reflected as late along with a delinquent account status. I sent a certified letter to Consumer Portfolio Servi., informing them and requesting that they adhere to 15 U.S.C . 1681s-2 ( a ) ( 1 ( F ) ( i ) ( I ) - The Cares Act Provision regarding credit protection and credit reporting during the pandemic along with the CFPB 's FAQ 's guide to the Reporting under the Cares Act. I explained that my account must reflect a current status ; which they received on XX/XX/2023. A month later, my account status was changed to current, however my payment history field does not reflect a current status. The monthly payment history field is missing current statuses for each month that the deferred payments were paid and is not being reported accurately according to the Care Act. I spoke to the Trade line Supervisor, XXXX, on XXXX, to correct this inaccurate information and sent him an email of my original letter stating the Cares Act. After taking it to upper management, they have decided not to update my payment history field to accurately reflect a current account status and only add a code, which does not satisfy their obligation under the Cares Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights was compromised when asked creditor to provide proof that I owed a debt and they keep sending the same thing back..They are not responding to specific items when requested..they have showed me there is no intention on fixing this..They did not do a proper investigation per regulation and laws on this matter..
Product: Credit card or prepaid card

I tried to sign up online to pay the bill and the account number is not obvious on the bill. List as XXXX. I missed the payment due to not being able to register. When I called the company they pointed it out that it is listed in some obscure place, while beling listed on the bill as XXXX in two different places. I believe they do this on purpose to change a late fee and make more money.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/2024 and notice that's some things we're incomplete and not reported accurately. According to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX ] [ XXXX  XXXX ] [ XXXX XXXX XXXX XXXXXXXX ] [ [ XXXX XXXX XXXXXXXX ], [ XXXX XXXX XXXX ], [ XXXX XXXX ], [ XXXX XXXX XXXX XXXX XXXXXXXX ] Are not complete and accurate . According to [ 15 USC1681s-2 ]. Also I have noticed there are several addresses that are not currently applicable to me in my personal information. There are also names of my children and ex-wife that need to be omitted from my credit report. In my personal information section of my credit report. I've attached pictures of these things as well. A person shall not furnish any information related to a consumer to any consumer reporting agency If the person knows or has reasonable cause to. believe the information is inaccurate. Please check the attachments below.
Product: Debt collection

i keep getting calls to my number [ i got this number from my dad on XXXX/XXXX/15 and used to belong to my aunt ] and i have gotten at least XXXX calls from them in 2 weeks and have asked them 4 times to remove my number and once should be enough, and now they are refusing to remove my number
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$130.00} XXXX {$690.00} XXXX {$620.00} XXXX {$2300.00} XXXX {$1400.00} XXXX XXXX XXXX {$2600.00} XXXX {$560.00} XXXX {$500.00} I wrote letters and called these companies to have these items removed from my report, has not happened as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX XXXX Owed : {$11000.00}.
Product: Checking or savings account

On XX/XX/13, I submitted my {$750.00} FEMA check to be deposited into my cash app account. Its now Friday and the check is still pendingnot even accepted, pending an approval OR denial. I contacted Cash App via phone on Tuesday to inquire how much longer it would take and they said it takes 4 to 5 business days. Well, today was the fifth business day and still no funds. I just want to cancel or have them reject the check at this point so I can deposit it in person.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX, XXXX  XXXX. 

I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I lost my job due to COVID-19, I have tried REPEATEDLY to get Automotive Credit Corp to defer or extend my payment which they refuse to do, I understand they don, t  have to but considering the situation I was hoping for a small break. They tried to repo my truck without sending me any notice of default, or right to cure. They will not work me in anyway. I spoke with XXXX and she would belittle me and was very rude. They have marked down payments that were never late, and one payment is for over {$900.00} for " not having insurance ''. I didn't even know they could do that.