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

I have submitted disputes with Experian and XXXX and I have asked for verification or validation of letters from XXXX XXXX XXXX XXXX XXXX that either I get that or they need to do what the law says and that part just keeps getting ignored not one time have I seen anything verifying any of the information it is completely different information on every credit report that I have seen the dates are incorrect and none of the information is the same and to my knowledge if they're asked for verification and validation of a debt and it is not provided then to my knowledge they're not allowed to report that information and I have asked for months in a row and I just keep being told it is verified but I have seen no verification when I have asked and asked and asked
Product: Debt collection

Hello, The Law 15 usc 1692c ( c ), Clearly states if a customer notifies a debt collector that the consumer refused to pay a debt the debt collector must cease all communication.

I have received correspondence regarding a debt collection and need to verify that you have contacted the correct individual. I am writing to request validation of the debt you have reported to me in your recent communication and am requesting that you provide documentation supporting this.

As per the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt.

Please provide me with the following information regarding this debt : 1. A detailed contract showing the amount owed exists along with verification of the debt amount you are attempting to collect.

2. The name and address of the original creditor to whom the debt was originally owed and the current creditor. 
XXXX. Documentation showing that you are authorized to collect this debt, such as a copy of the original contract or agreement. Include documentation showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. 
Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original credi tor. 
Please provide this information within 30 days from the date of this letter. During this period, I request that you cease and desist all collection activities until you have provided the requested validation. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. 
Please note that this request does not acknowledge that I owe the debt. If you are unable to provide validation, please remove this entry from my credit report and cease all further collection efforts. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so Notification to other collectors
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be on there. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
XXXX XXXX Account # XXXX
Product: Debt collection

According to XXXX Opened XX/XX/2023 Amount of XXXX I've disputed not known to me. Original creditor have removed off my account but this debt collection wont remove it have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists I do not recognize how this account is reporting on my credit report I don't recognize the account number nor do I recognize the late payments associated with It
Product: Credit reporting or other personal consumer reports

I think FCRA 605B says wrong accounts should be taken off credit reports. Please check the documents. Some accounts are wrong on my report, making me restless.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish am account with out my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

My credit report is showing unauthorized inquiries from XXXX  XXXX XXXX on XXXX, as well as XXXX XXXX XXXX XXXXXXXX on XXXX these UNAUTHORIZED inquiries has affected my credit profile and is affecting me from using my credit. Under the FCRA specifically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. Persuant to 15 USC 1681 section 602 states I have a right to privacy these inquiries needs to be removed immediately.
Product: Credit card

XX/XX/year> amount {$530.00}. They failed to notify me about a past due payment via email. I received no notifications through email during this time that I had payment due. I called several times to try and reason with them, also filed a complaint with all credit bureaus about this matter. Citi cards Costco failed to work with me and I paid the amount right away once i knew there was a balance. Inturn this issue dropped my credit score by XXXX points. 

In accordance with the fair credit report act this creditor Citi Bank Costco Credit Card this creditor has violated my rights. Under 15USC 1681 Section 602 states i have the right to privacy. 15USC 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a account under an open consumer credit plan as late for any purpose.
Product: Debt collection

TRANSWORLD SYSTEMS POPPED UP ON MY CREDIT REPORT ON XX/XX/XXXX STATING THEY WERE A ORIGINAL CREDITOR I OPENED AN ACCOUNT WITH IN XX/XX/XXXX. I HAVE NO CONTRACT WITH THIS COMPANY AND HAVE NOT RECEIVED ANY DOCUMENTATION FROM THIS COMPANY. THIS IS NOT A DEBT I OWE I HAVE NO KNOWLEDGE OF AND THEY CONSTANTLY POP UP ON MY CREDIT REPORT ANNUALLY
Product: Debt collection

I noticed there was a negative listing on my XXXX XXXX credit report Portfolio Recovery showing a XXXX XXXX as creditor. I do not have a XXXX XXXX account. So I wrote a letter on XX/XX/2018 requesting validation of debt. What the money was owed for ; Explain and show me how the debt was calculated ; Provide copies of any papers I signed agreeing to pay what they said I owed ; Identify the original creditor ; show me they were licensed to collect in my state ; and provides me with their license numbers and Register Agent. I received a form letter dated XX/XX/2018 and a credit card bill from XXXX XXXX. I do not know when or what was purchased or who did the purchase from the information I received.
Product: Debt collection

I have mailed the credit bureaus about closed/ charged-off debts being reported to my credit reports and they have not sent back full investigation of the disputed items. Nor have I received a Form1099-C from this discharge of debt
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX HAS violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Checking or savings account

Between XX/XX/XXXX and XX/XX/XXXX somebody use debit my card without my permission. It was XXXX transactions totaling {$XXXX}. Ive made many calls to XXXX and filed a dispute Twice and both times they determine that I was responsible for the purchases.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

ever sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX CREDITOR : XXXX XXXX DATE ASSIGNED : XX/XX/2021 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries that have no permissible purpose to appear on my credit report FDCommunity XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX I'VE CONTACTED EACH COMPANY AND THE XXXX, XXXX  XXXX TRANSUNION AND ASK FOR PROOF THAT I CONSENTED TO THIS INQUIRIES WELL AS THE ACCURACY OF THESE INQUIRES AND I SENT BACK AND FORTH IM NOW REQUESTING DELETION
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 These lenders have accessed your credit file : XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX NXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

Received credit card from Milestone  on XX/XX/2022. 
Found out there was an annual fee for {$170.00}. This same company has XXXX similar cards that charges a {$75.00} annual fee but when I applied I presumed there would be no annual fee because this was not disclosed on the application. When I tried to close the account on the same day I was told that it was impossible to do so. This is a scam.
Product: Credit reporting or other personal consumer reports

Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account. 
This is hurting my ability to obtain credit. It is my understanding that you will investigate the item listed for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX XXXX XXXX Original creditor : XXXX XXXX Balance details 0 % paid off Balance {$420.00} Balance updated XXXX XXXX, XXXX Original balance {$420.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$420.00} past due as of XXXX XXXX. 

Status updated XX/XX/XXXX Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is continuing to report an account Credit Acceptance Corporation in the amount of {$4800.00} that is a result of identity theft on to my credit file. I have informed XXXX  that this account needs to be deleted blocked and investigated but yet they have failed to do their due diligence on this above referenced account. I have also contacted Credit Acceptance Corporation and this company can not provide a signed application bearing my signature nor a contract stating that I have had any obligation with them. I have never dealt with Credit Acceptance so how in the heck can XXXX  be possibly verifying and validating anything when the company itself can't provide me with any information. They have not provided competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you or the original creditor. 

I will be forced to sue XXXX  and Credit Acceptance Corporation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3.  ) Violation of the Fair Credit Reporting Act if this is not removed immediately.
Product: Credit reporting or other personal consumer reports

Calling requesting to have my address changed to my real address having to tell these collectors that it's not me and to send me the contract I signed and they sent nothing but these companies are showing up verifed and that's a lie
Product: Checking or savings account

XX/XX/XXXX, I was notified about two Fraud attempts on my Chase Freedom Credit Card. My online banking was suspended. I was told I needed to verify my identity in person at a branch with two forms of identification. I spoke to XXXX and XXXX about the credit card attempts and informed them it was not me. 

XX/XX/XXXX, I noticed checks were deposited on my account but they were not deposited by myself. They seemed to look similar to my payroll checks from my employer but not authenticate. I also noticed quickpays out of my account that were not done by myself. I called Chase and was told once again that I needed to go to a branch with two forms of identification. That morning I went to a Chase branch, closed my checking account and opened a new one like the representative advised me on the phone. I filed a claim about the checks and quickpays. 

XX/XX/XXXX, I received an email that I needed to verify an external account that was added to my account. I went to the bank again who told me it was on the old account and that the notification was in reference to the quickpays. 

XX/XX/XXXX, I was at a Chase branch when I found out my bank accounts were frozen and it became a deposit only account. I had to cash a payroll check to make sure I had access to funds. 

XX/XX/XXXX, I went to the ATM and saw I only had XXXX XXXX dollars in my bank account. I spoke to a banker and was told my claim of {$3700.00} was still pending but received a credit XXXX XXXX dollars was added to my savings account which was still frozen. 

My complaint is that someone other than myself had access to my online banking. Chase has done nothing but failed me. I have been a customer for over ten years and I have worked in customer service before which knows how I should be treated as a customer. I'm clearly a victim of identity theft and feel like Chase has treated me as a criminal. Someone forged my signature, deposited counterfeit checks and did three quickpays which seems like this has federal crimes all over it. I just want my money refunded to me which was in this case stolen from me via using my online banking account.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian are illegally furnishing a consumer report of me containing exclusions which is a violation of FCRA ( 15 U.S.C. 1681a ) which states that a " consumer report containing information solely as to transactions or experiences between the consumer and the person making the report '' is excluded from the consumer report. In case these consumer reporting agencies are not aware, I offer them an opportunity to remove these violations. I demand my privacy be taking seriously and if these agencies continue to violate I demand the CFPB fully enforce its obligations to hold these reporting agencies accountable for their actions in violation of the FCRA and consumer Privacy laws. 

Due to the serious nature of this claim I give XXXX, XXXX, and Experian 5 days to correct this matter.
Product: Credit reporting or other personal consumer reports

I lost my identity a while ago and when i learned about credit and pulled my report i noticed this account that is incorrect and i did not open the account. I would like it removed and updated please.
Product: Credit reporting or other personal consumer reports

I am writing regarding XXXX collection accounts that are inaccurately and inconsistently reported on my credit file. These discrepancies demonstrate clear evidence of reporting errors and inadequate investigation on your part.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX DATE : XX/XX/XXXX CHASE CARDMEMBER SERVICE XXXX. XXXX XXXX XXXX, DE, XXXX Attention : Legal Department To Whom It May Concern : This letter is in response to your letter for account : XXXX You have failed to establish that the information you are reporting is accurate. Instead, you merely provided an entry from a computer screen that, for all intents and purposes, proves nothing. I suggest you carefully review the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. 1601 et. seq. ) before proceeding any further.

To summarize, the FCBA ( see 15 U.S.C. 1666 ) requires that you establish the following : No unauthorized charges occurred.

Charges do not list the wrong date or amount ; There were no charges for goods and services that I didn't accept or weren't delivered as agreed ; You did not make any math errors ; You did not fail to post payments and other credits, such as returns ; You did not fail to send bills to my current address ; Charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate. 
As required under 1666 of the FCBA, I expect final resolution of this matter within 30 ( THIRTY ) days and look forward to receiving written confirmation of receipt of this demand as well as a detailed description of all actions you have undertaken in acting on this request. 
Sincerely,
Product: Student loan

I emailed advocate XXXX XXXXXXXX regarding obtaining a School Misconduct Discharge Application. I received the following email " Thank you for inquiring about a school misconduct discharge for your private loan. Your loan type ( Private Consolidation ) does not meet the criteria for you to receive an application ''. Navient were the ones who recommended consolidation of my private loans from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$2400.00} XXXX  XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$15000.00}
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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX and 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 card or prepaid card

After I make the monthly payment, interest charge for purchases and interest charge for cash advances are charged to my account. I am debited with these charges, after I make a payment on my account as if I have made additional purchases, and cash advances ( since the last payment ) from my account when I have not.