23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear NATIONAL CREDIT ADJU I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Checking or savings account

On XX/XX/2022 an unknown person opened multiple accounts with Truist utilizing the online portal. I contacted Truist on XX/XX/2022 after receiving a debit card in the mail and they put a fraud hold on the card, but did not close all of the accounts.
Product: Mortgage

I placed a FHA streamline refinance application in with Quicken Loans. Up until Friday XX/XX/19 there were no talks about how they can not proceed with my application. I was advised by XXXX that they could not proceed with my application becauase they pulled a FHA case number before they confirmed I made the 6 month payment. This was escalated up to their Director XXXX XXXX. Quicken loans refused to contact the FHA and request for the process to have their FHA case number canceled and order a new one. XXXX states in the past they have not been able to do it. I informed XXXX that I am in XXXX with a mortgage company and htis can be done, and we do it all the time when we make this error. I took it a step further and reached out to FHA to confirm and forward the email from the FHA associate with the directions on how to get this done. He still refused and said there is nothing they can do. I advised him that I feel that I am being discrimitated against since I escalated my complaint and now they do not want anothre bad mark on their company record. He said if that is how you feel. So I have wasted 3 1/2 weeks becausae of their error which they refuse to correct by contacting the FHA. They have make a hard inquiry on my credit which I can not get those points back which lowered by score.
Product: Money transfer, virtual currency, or money service

I sent XXXX cyrptocoin ( {$940.00} ) to Okcoin exchange company on XXXX, the money did not go to my account and when I spoke to the support team they said that it was not credited to my account because I did not enter the memo code, then I sent the documents they requested and they did not deposit my money into my account with similar answers as we are working on it, even though I have asked many times. However, as they also accept, the money is transferred to the main account of Okcoin company, not to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card was open back in 2017 and purchase were made. XXXX Has failed to send me any statement are correspondence regarding the account I have reached out to them to them regarding not getting any information and was advise they will resend my statement and the XXXX XXXX card information still have not received anything now account is in collection and having adverse effect on my credit report I have made a payment to the collection agency but I feel it is unfair to have account in collection and on my credit report
Product: Credit reporting or other personal consumer reports

they used my credit to apply for different products and transunion is not removing them. They have been confirmed as fraud by creditors. Please see attached documents. 
in regards to case XXXX to transunion
Product: Credit card or prepaid card

Keybank Card Fraud Service XXXX, XX/XX/2022 Received {$190.00} charge on my credit card transaction dated XX/XX/2022, I have 0 description of what this charge purchased and I did not authorize this. I did not authorize anyone to order anything using my credit card number. I stopped in the local Keybank branch, talk to branch manager and filed disputed transaction. Bank sent me a new credit card with new account number. KeyBank also credited me a disputed amount of {$190.00}. Fine. But after few days I was charged again XXXX on new XXXX XXXX  XXXX. 
Received mail from KeyBank with explanation bank says they found conflicting information and have reason to believe that the transaction in questions were in fact authorized. Consequently, the credit amount of {$190.00} to my account on XX/XX/XXXX has been reversed. I DID NOT AUTHORIZE ANYONE TO ORDER ANYTHING USING MY CREDIT CARD NUMBER. I Dont USE XXXX XXXX  XXXX in last 13 months .No activities on this account. That card we keep in our safety deposit box in our house. According to advice local bank branch manager, called the listed merchant phone number and just got strange recorded message, and guy from merchant company told me they can offer me a reward 50 % of amount {$190.00}. Search internet and found XXXX. This is a HAIR SUPLEMENT product they sell. 
For old men like me XXXX XXXX XXXX I dont need anything like that hair supplement for young girls we never received any package and never ordered it. 
Seriously this needs to stop because if someone is taking this money or its taking my hard earned money and Im tired of it. I did not authorize this charge and I dont even know that it this. Called again for credit card company fraud dept. and lady promised me reopen case and she suppose send me email with new complain form. Last few days I check my email box and nothing heard from them.

I have business with KeyBank almost 40 years, Im retired 4 years and looks Im easy target of scammers because my old age and broken language. Im afraid will be charged this month again.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I started refinance of my house. In the middle of XX/XX/2018 I was notified by my lender that they are unable to obtain my credit score from Experian. On XX/XX/XXXX I contacted Experian and was told that they have a glitch in the database, they created Ticket # XXXX and said that it will be fixed within 3-5 business days. 

On XX/XX/XXXX I contacted Experian again and was told about the same glitch in their database, they created another Ticket # XXXX and said that it will be fixed within 3-5 business days. 

On XX/XX/XXXX I contacted Experian again, talked to several different people, finally was transferred to a supervisor by the name XXXX, she was extremely unprofessional and not helpful, she said it may take weeks or months for them to fix the issue with my record and score. I asked them for a letter stating that they have a problem with the database, but they rejected giving me the letter. 

As of this day it hasnt been fixed, I can't obtain a loan, lost lock of the interest rate and dont know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account should be reported as closed with a XXXX balance. No of the previous attempts to verify this debt has been completed by the agency. And no verification from the credit reporting agencies have been receive nor have any of the credit reporting agencies provided the manner in which they verified have been provided.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

its accounts being reported on my XXXX XXXX and early warning report that's not mine due to Identity theft and fraud some even have inaccurate addresses XXXX XXXX XXXX XXXX XXXX XXXX Florida I never lived there and when I went to locate the Adress it's an empty home. Also XXXX XXXX XXXX XXXX XXXX XXXX Fla XXXX never lived there and I never lived in XXXX XXXX XXXX XXXX XXXX Fl XXXX. My wife and I XXXX XXXX were victims of Identity theft and a lot of accounts been opened in Our name some XXXX and XXXX XXXX, XXXX, XXXX XXXX and also Inquiries. Please assist us in getting these issues resolved. This is Our Final step before filing a suit in Federal Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive requested for you to provide me with an original contract along with several documents for the account you claim that I owe. Its been more than 60 days and I havent received any mail on the erroneous account you claim that I owe. This is my third attempt to reach you. I am sending this as an internal dispute and an affidavit. I have been a victim of the credit breach and the fraud. I have been living at this address for over a decade. The account listed under The XXXX XXXX XXXX. XXXX and XXXX removed the erroneous information on their ends and you continue to disobey the law. I am unaware of this account and I seek to claim fees of {$5000.00} for damages youve caused my credit file and erroneous information you continuously report. I am disputing the following account The XXXX XXXX XXXX and unauthorized inquiries 1. XXXX XXXX 2.  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment on my XXXX XXXX XXXX on Friday XX/XX/2020 at XXXX pm. XXXX XXXX  failed to post my payment based on their terms and conditions. My statement closed at midnight XX/XX/2020 but because XXXX XXXX failed to correctly post my payment they incorrectly reported a statement closing balance as {$400.00}. I spoke with a supervisor at XXXX XXXX by the name of XXXX XXXX ID XXXX. She pretty much said XXXX XXXX terms about posting payments are incorrect and the cut off time is XXXX CST. I informed her that is illegal to provide mis-leading terms and conditions. She failed to help me and said it is what it is. Wasnt apologetic at all. No customer service skills what so ever. Not quite sure how shes a supervisor. Very disappointed in the way she was speaking to me. She also refused a XXXX, told me she doesnt know their schedule and failed at informing me how I can speak to a XXXX.
Product: Credit card

In XX/XX/2023 Chase arbitrarily reduced the credit limits on my XXXX credit cards. This eliminated over XXXX from my available credit and drove my credit utilization up to almost 70 % in a single day resulting in a nearly XXXX point drop on my credit score driving me into a poor range putting me at risk for negative repercussions from other lenders. 

In addition Chase dropped my credit limit below the current balance on one card, ending in XXXX, below the current balance putting me over the limit on that card which i think is against the law. This resulted another ding on my credit report after the initial hit from the reduced limits. 

I called the bank and they gave me normal generic justifications. Then asked me why I had increased the usage of my card ending in XXXX over the past 6 months. I increased usage because the bank offered me an unsolicited very low promotional APR during that period. Basically they used my response to their promotion in part to penalize me. 

Nothing has changed in my income, credit lines, payments to justify the reduction. It is a financially damaging situation dropped on my by the bank. I understand it is no fully illegal but it should be. No business should have the power to arbitrarily take actions that will result in financial harm to an individual that has maintained a good standing in their accounts.
Product: Student loan

My regular payment amount is {$68.00}. I always make my payment on time, and generally pay 1-2 weeks prior to the due date. For example, my due date is the XXXX of every month, and I typically pay around the XXXX of the prior month. In XX/XX/XXXX, I had already made my full payment due on XX/XX/XXXX. I knew my expected paychecks and other expenses coming up in XXXX, and wanted to make my XXXX payment early so I would not owe it later. On XX/XX/XXXX, I made another full payment and expected it to count for my next payment due on XX/XX/XXXX, so I was about 3 weeks early. However, upon talking with company representatives and a supervisor, I was informed of the limitations built into their system which caused my loan to mistakenly appear delinquent. The payment I made on XX/XX/XXXX was applied to the prior month 's payment ( due on XX/XX/XXXX, even though it was already paid ), so when I did not make another payment until mid-XXXX ( for my payment due XX/XX/XXXX ), I was informed that I was >15 days delinquent because I had not yet made my payment for XX/XX/XXXX. After talking the company representatives, my fees were reversed and payments fixed. I was informed that their system would consistently process payments incorrectly if they were paid too early. I was told that I should not make payments prior to the XXXX of the preceding month ( ex. I should not make my payment due XX/XX/XXXX prior to XX/XX/XXXX ). I thought this would be the end of my problems ... 
I continued to make payments AFTER the XXXX of each month with no issues until I received a second incorrect delinquency notice on XX/XX/XXXX. After a lengthy phone call with a representative and their supervisor, I was informed that they accidentally debited my account for {$200.00}, because someone else " accidentally made a payment on my account. '' Apparently, one day they credited my account {$200.00} and removed {$200.00} realizing it was incorrect. They then did NOT apply the payment I actually made of {$100.00} in XX/XX/XXXX ( wanting to pay down a little extra principal ). My {$100.00} payment was misapplied and only covered principal and no interest, and subsequently did not count towards my normal monthly payment. So when it came XX/XX/XXXX, I was delinquent because my payment once again was not applied correctly to my account. This time I received a notice stating I owed {$270.00} ( my {$68.00} monthly payment + {$200.00} past due + {$5.00} late fee ). The auditors and regulators of XXXX XXXX, and their parent company XXXX XXXX XXXX need to require the company to address the systemic issues with their loan servicing platform, which has proved in my case twice, that they are unable to process payments correctly and correctly apply them to principal and interest. I have now received 2 separate delinquent notices in the past 9 months, both due to systemic errors. Completely unacceptable and is causing consumer harm.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I am in shock that I have been a victim of identity theft. I found XXXX accounts under XXXX business on my credit report by the name of : XXXX XXXX opened XX/XX/2021. 

One account has an account number of XXXX Second account number is XXXX I have no knowledge of ever signing up for these accounts. The accounts were not opened by me at all. Please remove BOTH of these accounts from my credit report as soon as possible. Thanks in advance! I have also attached my identity theft report as well.
Product: Checking or savings account

Mobile deposited a {$600.00} check to my Truist One Checking account on XX/XX/XXXX, when submitting my check it showed standard availability which would be the next morning, XX/XX/XXXX as the check was submitted before XXXX XXXX. Later in the evening I received an email saying a further hold was placed on the check until XX/XX/XXXX with the reasoning of our deposit date is within the first 30 calendar days after the account was opened.

I have never had a bank issue a such a lengthy and pointless hold on a check before, especially since the amount was under {$1000.00}. Unfortunately this money is to cover expenses after missing work from a XXXX and I wont be able to ask my grandparents that wrote me the check to issue another one due to stop payment fees and insufficient funds
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # XXXX I am writing to bring to your attention a serious matter related to my consumer rights, which, I believe, your company has breached. The particular rights in question pertain to the validation and reporting of debt, as governed by the fair debt collection practices act ( FDCPA ) and the fair credit reporting act ( FCRA ). 
In this context, I had previously asked for a verification of a debt that is purportedly owed by me. I attach herewith the related correspondences as evidence of my request. 
However, your organization has continued to fail in providing me with the necessary validation, a contravention of the FDCPA. In addition, despite the ongoing dispute, you have continued reporting this contested debt to the credit bureaus, an action that infringes on the FCRA and inflicts harm to my reputation. 
In order to reconcile these issues, I once again implore you to adhere to the FDCPA by providing me with the following information : 1. Evidence of your legal entitlement to collect the alleged debt.

2. A detailed account statement delineating the claimed balance, inclusive of all charges, interest, and penalties.

3. The contract bearing my explicit signature, thereby establishing my liability towards the debt.

4. Please note that the legal concept of estoppel by silence ; implies that your failure to respond, despite the obligation to do so, indicates your concurrence with my stance that this debt is invalid. I shall resort to invoking this principle in my defense, if necessary. 
I expect to receive the requested information within 15 business days from the receipt of this letter. If you persist in neglecting my request for debt verification, I reserve my right to initiate legal proceedings against your company for the breach of my consumer rights as stipulated in the FDCPA and the FCRA. I may also consider seeking damages, should the situation warrant such action. 
Thank you for your immediate attention to this matter.
Product: Debt collection

XXXX XXXX XXXX XXXX AMOUNT : {$540.00} I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume they no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Credit reporting, credit repair services, or other personal consumer reports

I am still fighting this student loan mess in my credit reports it started in XX/XX/XXXX and I was born XX/XX/XXXX ; the CBs have my d.o.b. however that dont seem to help stop them from allowing this type of stuff to happen. I am frustrated to the max I am trying to buy a home for my family and this is stopping me. Something need to be done immediately and these student loans need to be removed from all 3 CBs XXXX, Equifax and XXXX  ... I need this taken care of from the day I first filed my dispute and they keep saying this stuff is verified JUST HOW IS IT VERIFIED I WAS BORN XX/XX/XXXX was not thought about in XX/XX/XXXX my parents had was only XXXX going on XXXX years old at this time and this is frustrating me too the max!!!!! I need HELP and need it NOW ... It look like the wrong social security number and incorrect names along with addresses I sent on my report and these people is doing nothing to get this cleared/removed when it shouldve NEVER been on my report from day 1!!!
Product: Credit reporting or other personal consumer reports

I've sent correspondences to the agency to VALIDATE the debt over 30 days ago and they have failed to do so. I also mention that correspondences have been filed in XXXX XXXX XXXX XXXX XXXX.