23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Dear [ Source Receivables XXXX  ], I am writing in response to your notice of debt collection. Under the Fair Debt Collection Practices Act [ FDCPA ], I am request that you validate this debt. I request proof that it is accurate and legally enforceable. 

Please provide the following information : XXXX name and address of the original creditor. 
XXXX. The amount of the debt, including any interest, fees, or other charges. 
XXXX that you are authorized to collect this debt on behalf of the creditor. 
XXXX. A complete and itemized history of the debt, including the date of the original transaction and any payments or adjustments made since. 
XXXXerification that the statute of limitations for this debt has not expired. 
XXXX. Copies of any paperwork that shows I agreed to pay what you claim I owe. 


Please note that I am disputing the validity of this debt and requesting that you cease any collection activity, including reporting to any credit bureaus, until the debt has been properly validated. 

In accordance with the FDCPA, please consider this letter as a formal dispute and request for validation. I request that you respond within 30 days of receiving this letter. 


Thank you for your attention to this matter. 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After reviewing my report, I have identified multiple hard inquiries that I did not authorize. These unauthorized inquiries are negatively affecting my credit score, and I am concerned about potential fraudulent activity involving my personal information.

The inaccurate hard inquiries I wish to dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PRESTIGE FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PRESTIGE FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PRESTIGE FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PRESTIGE FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PRESTIGE FIN XXXX XXXX XXXX XXXX XXXX XXXX PRESTIGE FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PRESTIGE FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit authorization. Since I did not consent to these inquiries, I request an investigation and their immediate removal from my credit report. I have also contacted the credit bureaus XXXX XXXX XXXX XXXX XXXX  ) regarding this dispute, and I am escalating my request through your office to ensure a resolution. 
Attached, I have included : A copy of my credit report highlighting the disputed inquiries Please review my request and advise on the next steps to resolve this issue. I appreciate your prompt attention and look forward to your response. You may contact me at XXXX XXXX XXXX if further information is required. 
XXXX XXXX XXXX XXXX
Product: Debt collection

I started receiving a non itemized credit card bill from synchrony bank for a Amazon credit card that is not mine. Had a very difficult time contacting an actual person. Once I did, after a lengthy and confusing conversation, I was told everything had been cleared up. The situation however is not resolved and now there is a collection agency involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom It XXXX Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting ACT, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C & 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
I am now enacting my consumer and civil rights to compel you to annul with permanent Deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. 
The following derogatory accounts allegations are either UNTRUE, UNVERIFLED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and must be removed immediately do so today, even right now! The obvious infractions are as follow ; XXXX XXXX XXXX XXXX XXXX XXXX Account is closed please delete from my credit report XXXXXXXX XXXX XXXX XXXX XXXX  This account is closed please delete from my credit report XXXX XXXX XXXX XXXXt : XXXX This account is in collection with a past due amount of {$570.00} according to the XXXX XXXX XXXX MUST be deleted. 

XXXX XXXX Account : XXXX This account is closed please delete from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is in collection with a past due amount of {$100.00} according to the XXXX XXXX XXXX MUST be By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA ENACTED XXXX XXXX XXXX Compliance regulations. I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

XXXX XXXX XXXX
Product: Checking or savings account

PNC Bank purchased BBVA Compass and the conversion of the bank accounts from BBVA to PNC has been a disaster. Once the conversion took place, I no longer had access to my BBVA online accounts, all my bank account numbers were switched, and I still do not have access to our BBVA bank statements prior to the conversion. Also, all my " Bill Pay '' payments scheduled to be sent by BBVA were no longer sent out by PNC. This caused payments to be late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - {$2000.00} and {$1100.00}, sent certified mail to XXXX, XXXX, and Equifax to dispute wrongful credit reporting and to provide proof or have that deleted off my credit report.
Product: Credit card

On XXXX, I called to remove the authorized user from the account and was told they could remove the user but they couldn't remove it from her trade line and she would have to call to do it herself. I told them this didn't make sense and to let me speak to a supervisor or someone with more knowledge. After I asked this 3 times, the customer agent who answered the phone pretended that she was transferring me and instead, she hung up on me. So I called back and closed the entire account. It's a lot of hoops for nothing. The authorized user never even used the card in 5 years and there is no reason to have someone else call back to do something that I was already telling them to do as owner of the account. The attempts to try to trick people into keeping accounts is insane. This is a service that should have been allowed via the online portal anyway instead of making me call about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's an educational account on the credit got consolidated back in 2005. When I request my report it is still showing on there. Actually this 1 report have 3 different addresses for Dept. Of Education. The section for XXXX takes up 2 pages and they told me they don't report this to credit bureau. Its nothing on there that's relevant and " timely '' so I'm concerned this is not my new updated report. One that I could definitely use ( for my benefit ) especially during this economy, with all that's going on.
Product: Checking or savings account

I'm a Simple customer attempting to transition to BBVA. The transition started XX/XX/2021 but I have not been able to complete it due to various errors in their system. As a result I can not see my bank balance, make deposits or withdrawals, see my transaction history, etc. My card does still work and auto payments are being deducted as expected. BBVA has made several vague tweets about the issue but has not contacted me personally ( via email/phone ) and I was not able to reach a support rep via phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the expiration of XXXX XXXX XXXX XXXX  GM Financial dated XX/XX/2020, we arranged to return the leased car prior to that date, returning it on XX/XX/2020. Due to our age and comorbidities, we requested ( as GMs normal procedure ) to have the car pre-inspected and picked up from our residence home prior to expiration of lease. No GM inspector was available and the car could not be picked up from our home, again due to Covid 19. Same advice was given by dealerships XXXX XXXX and XXXX XXXX XXXX XXXX CA. We were told to bring the car to the dealer closest to us, ( i.e., XXXX XXXX XXXX in XXXX XXXX CA ). There was no GM representative present at the dealership and the manager representative for the dealer, upon our request, had her representative staff inspect and look over the car in our presence, checked the odometer reading to ensure everything was in order ; car had XXXX miles per odometer on a 3-year allowed lease mileage of XXXX miles. The dealer reported to the manager who then issued to us Vehicle Return Receipt. Per the lease agreement a total disposal fee of {$590.00} is payable at lease end which we offered to pay but advised that GM Financial send a bill for it separately. 
In a phone call with GM Financial, I was told that in addition to the disposal fee of {$590.00}, we are being billed for {$48.00} sales tax on the disposal fee, not indicated on the lease agreement, and an excess wear and tear scratch on the rim of the tire valued at {$85.00} plus tax. We paid the {$590.00} total disposal fee per the lease agreement, but disputed and contested the validity of the excess wear and tear charge and disposal sales tax, requesting for the evidence supporting the charges such as inspection photos or report of inspection done in our absence. I mentioned that because of GMs representative not available, we requested for inspection done by the dealership manager or representative. However, GM financial stated that the dealership we surrendered that car to, does not represent GM Financial. The XXXX XXXX underwent premium maintenance as warranted by the lease during the lease term as required and necessary. 

After my payment of {$590.00}, I never received any more statement of account from GM, nor did I receive any advice on the disputed items.

I discovered sometime last month that the disputed items were erroneously reported by GM Financial as delinquent, resulting in my and my husbands credit scores to drop from the XXXX for many years, to the XXXX during this unfortunate Covid 19 period. The procedure I would have expected would be a denial of my dispute and further statements of account or delinquency notice, etc., to let me know GM demands payment prior to reporting disputed balance to any credit bureau. This practically ruined our financial ratings and integrity for further financial business transactions.

This is definitely an unfair consumer financing practice particularly of a large corporation as GM Financial Corporation. 

We are still awaiting GMs supporting evidence of the disputed items as described above.
Product: Credit card

In 2012 my wife signed up for a Nordstrom Visa, I did not apply. A few weeks later, we both received a credit card, though I was not listed to get one. I noticed a year or so later that Nordstroms Visa was showing up on my personal credit bureau. I do not know how they got my social security #. I called to cancel the card today and was told that I am not able to cancel the card. To clarify, I was not calling to cancel my wife 's account. This was strictly to cancel the account Nordstrom set up for me without my consent. According to the representative, only my wife can cancel the card that is issued to me and is showing up on my credit. I am not able to do so. How is it my wife has more authority over my personal credit than I do? Look, if Nordstrom issued me a card on my wife 's account and it was not tied to my credit then I get it, its up to her to cancel. But, since Nordstrom has put this on my personal credit bureau, it is now up to me. I do not understand how Nordstrom can keep a credit card active ( that has a XXXX balance and is rarely used ) for a customer who requests it be canceled. Please help me here. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert yesterday ( XX/XX/2019 ) of a hard inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX from Equifax. I have not been an XXXX XXXX XXXX customer for years now so I inquired. There were no unpaid charges to my old account. However yesterday my credit was ran by XXXX XXXX XXXX an someone that had my SSN, DOB and address in Connecticut was allowed to open an XXXX XXXX XXXX account with " three lines '' in XXXX, Puerto Rico according to XXXX XXXX XXXX. They supposedly froze the account but were suppose to email me confirmation of all of this and after 17 separate times in the last 48 hours of me trying to contact the XXXX XXXX XXXX fraud department ( XXXX XXXX ) I continue to get hung up on and still have yet to receive confirmation that my identity is once again secure or that any action has been taken against the individuals who have stolen it and I have no idea how far this is going to effect me. I filed a consumer protection alert with XXXX and supposedly this will be forwarded to the other credit bureaus but I have yet to receive any confirmation from them either.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2020, XXXX XXXX, 2020, CREDIT PLUS add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on the platform leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

Both XXXX and XXXX showing there is no 30 days late for XXXX 2024 credit report but showing 30 days late on my Experian report for XXXX 2024. 30 days late was proven error on XXXX and XXXX and it was corrected but XXXX is telling me to deal with it for my Experian report. XXXX reports to all 3 credit bureaus on monthly basis since the beginning of the loan.
Product: Checking or savings account

On XX/XX/XXXX, I tried to file a phone claim that XXXX XXXX XXXXXXXX is rigged. I lost XXXX in less than an hour .The lady who helped me on the phone made an error and disputed my winnings of {$3200.00}. I contacted the bank numerous times and have gotten the run around. m and t bank has put my account at negative {$4700.00}. Bc of their careless actions. I have not gotten this resolved as of yet. The customer service has been unhelpful and I don't want to go to a branch. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In short they made an error and need to fix this immediately. As I am losing sleep
Product: Debt collection

IXX/XX/XXXX- reporting I owe XXXX on a lease with XXXX XXXX. I never signed a lease with them back in XX/XX/year>2018. They used a 3rd party by the name of FAIR COLLECTIONS & OUT that is reporting to my credit with that account number of XXXX. Here is they contact info Contact Into : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I have attempted to contact them on several occasions and they refused to remove this off my credit report.
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 XX/XX/XXXX XXXX. XXXX # XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX # XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX # XXXX XX/XX/XXXX XXXX. XXXX # XXXX XX/XX/XXXX XXXX. XXXX # XXXX XX/XX/XXXX XXXX. XXXX # XXXX XX/XX/XXXX Inquiries XXXX. XXXX XX/XX/XXXX 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 Transunion 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 XXXX, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Requested to cancel my XXXX  XXXX  membership on XXXX. Informed to cancel through ABC Financial at XXXX Monday through Friday. On XXXX I contacted ABC Financial to request cancellation. XXXX is directing me back to XXXX  XXXX. I want ABC Financial to stop charging my account and cancel my membership as requested.
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX These debts yall trying to collect Im not with it at all and them amounts yall saying I owe are way off. Dont waste your time sending me any proof Im not trying to see it. I know whats real and proof aint gon na change nothing. If you need to hit me up, do it by email only between XXXX XXXX  and XXXX XXXX XXXX. Dont send me no mail whether its USPS , XXXX XXXX XXXX or any courier and dont call me and voicemail either Its just a big inconvenience. ACCOUNT # XXXX and anything else you have wit my name on it. Just keeping it real.
Product: Credit reporting, credit repair services, or other personal consumer reports

First off, due to the data breach with Equifax, I do n't feel that I should have to pay them {$10.00} to initiate a credit freeze. I would n't have done so if they had n't had the security breach. Now, they are profiting due to their own ineptness. 1 year of credit monitoring is n't sufficient as a response either. They need to offer a free credit freeze to anyone who is affected by the breach and their own website said that I was. 

Despite the above concern, I initiated a credit freeze with Equifax ( and the other two ) and then went to pull my credit report at XXXX. The Equifax site said " The System is Currently Down for Maintenance ''. Unacceptable. I went back in again and it let me get all the way to verifying my identify before the system went down again with the same message. Still unacceptable. 

XXXX has a similar issue where the report would not generate.
Product: Debt collection

Who : Chase Levys and Holds Division When : XXXX XXXX, 2017 Why : Collection request from Michigan Department of Treasury for due income taxes What : Hold on Pre-paid credit card exceeded the amount available for hold - Chase Bank levies and division violated my rights by placing a hold on my prepaid credit card for {$250.00}, ignoring pending changes on the account and thereby causing an overdrawn balance. - Chase bank 's legal department repeatedly proclaimed that a deposit was made to the account in the amount of {$300.00} on XXXX XXXX, 2017, which in fact a transfer was n't made until XXXX XXXX, 2017 ; a day after the levy processing. - After repeated calls over a period of 3 days trying to get Chase Levy and Holds Division to verify the correct date of the {$300.00} transfer ; I finally has to get my branch to conference in with them and verify that the transfer was in fact on XXXX XXXX, 2017 and NOT on XXXX XXXX, 2017.
- Chase still refuses to correct the account to reflect that the account did not have the {$250.00} they are holding for levy. - I further accused the of deliberately falsifying the account statement to justify the {$250.00} hold, and requested an investigation by senior management.
- Chase levy and hold department then came up with the excuse that a charge in the amount of {$330.00} was not paid ; but the bank branch confirmed that the charge in question had cleared on XXXX XXXX, 2017. Therefore ; the {$250.00} was clearly not available at the time the hold was placed.
- Chase Bank 's Levy & Holds department have repeatedly falsified information on the account, and flat out lied about the amount available during the processing of a levy on my account.
Product: Credit card or prepaid card

According to Citibank I signed up for their debt protection service on XX/XX/XXXX. I have requested verification of how I signed up for this service ( i.e. credit card application, verbal in store, online agreement ). I have attempted to reach Best Buy credit card and Citibank Card Services four ( 4 ) times in the last 2 months requesting information. The company continues to put in " requests '' for the information but I have not been provided any information. 

From my preliminary calculations the company charged {$320.00} since XXXX of XXXX. I have read that some consumers received refunds in XX/XX/XXXX when Citibank was found guilty in court but I was not notified of said lawsuit.
Product: Credit reporting or other personal consumer reports

They reported the wrong name, address, and employer on my credit report. 
I wrote a dispute letter to have them corrected but nothing was done.