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

I am in receipt of your letter claiming that I owe your company for a debt. According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you.I have not to date XX/XX/2024, received no proof that I owe your company any debt and I am requesting that you forward to me full and proper documentation as evidence of this alleged debt. & nbsp ; As per the FDCPA, it is a violation for any debt collector to pursue collection activity on an account without notifying the debtor in writing within 5 days after any communication. If you are unable to provide me with proper proof then you must stop attempting to collect this alleged debt. If you continue to claim I owe a debt that you can not confirm with proof then you will be in direct violation of the FDCPA. Additionally, any attempt on your part to report this alleged debt to my credit reports will be a violation of the Fair Credit Reporting Act.Please forward your documentation. Please note that proper documentation is not a print out or bill from you but rather actual proof of the debt 's existence.Please provide me with the following : -What the money you say I owe is for ; -Explain and show me how you calculated what you say I owe ; -Provide me with copies of any papers that show I agreed to pay what you say I owe ; -Provide a verification or copy of any judgment if applicable ; -Identify the original creditor ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and -Provide me with your license numbers and Registered Agent. 

If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX XXXX XXXX XXXX XXXX said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate to bring legal action against you for the following : -Violation of the Fair Credit Reporting Act -Violation of the Fair Debt Collection Practices Act -Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  XXXX agreed to place now long since paid off account auto loan XXXX on documented extension during onset of world pandemic They pushed these go rear of loan and have repeatedly confirmed their error across various platforms so why this is an issue still is beyond but they have cost me over {$40000.00} Multiple tradelines have been closed they have impugned my character. Then in XX/XX/2020 I paid certified funds only because of the prior month issue which posted under 30 days and clearly illustrates such on statement which they keep sending me I never requested the statement and all you are doing is providing youre wrong your service is unethical your communication is poor youre shady and its bad business You have sent this to me 21 times including certified which I have repeatedly advised you to cease an desist and not contact me on anyway yet you do Fix this or delete tradeline completely I will be seeking damages
Product: Credit reporting or other personal consumer reports

I have multiple hard inquiries on my credit report. I did not authorize any of the following : 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

I have reported to Experian that my XXXX is XX/XX/XXXX and not XX/XX/XXXX. I have not received any correspondence from them on my behalf. Additionally, they are reporting a collection account that is not mine. I have requested them to remove it after investigating it and they have failed to do so.
Product: Checking or savings account

I have been charged several overdraft fees in my account when money was there but had not posted yet.
Product: Credit card or prepaid card

On XX/XX/22 at XXXX, I used the chase bank ATM ( XXXX XXXX XXXX XXXX to pay may credit card balance. After I inserted money, I heard it was counting th bills but it came out the receipt without completing the payment. ( The money was not returned ). And the ATM showed that the machine couldnt accept cash anymore. From the receipt, it said that there was a problem so I had to contact the customer service. 
I called and explained about the happening, and he said he would put some credit until they investigate it. But I didnt count exact amount of the bills, so I told him that it would be about {$860.00}. Because I remembered there were at least 40 {$20.00} bills. He asked me some information from the receipt ( terminal number, sequence number, exact time ), and he said he could see that I put my credit card in the ATM from log but couldnt find how much I put in. 
A day later, {$860.00} was credited and nothing happened until XXXX. But on XXXX, the credit was removed and I got a letter that saying they found an credit error so they removed the credit. 
I went the branch ( same location as ATM located ) and talked to one of workers, and she called somewhere about 30 min. And she said the claim was declined because they couldnt find that I put the money after investigation. And she said I had to send a letter the chase card seevice to reopen the claim. 
I called customer service again, I explained whole story, transferred 3 different representatives. And last representative ( I guess he was a manager ) checked everything, but couldnt answer clear solutions. And he said he will give another credit and XXXX submit another claim for me. 
When I called right after using ATM, the representative said they would investigate it so it wouldnt be any problem, and the correct amount would be adjusted. 
There are security cameras ( even on the ATM ), so they could check I put the money in the machine. Also, after they checked the ATM, they could find the over collected amout of money. So I thought they could find how much I put in the machine easily.
Product: Debt collection

XXXX XXXX stated to me on XX/XX/XXXX that I had a debt to them for {$2500.00} that they was sent from another collection company being XXXXXXXX XXXX in which is XXXX XXXX. XXXX XXXX XXXX did not send me any kind of letter of no kind to the said debt by law. I also had a right to dispute the debt before XXXX XXXX XXXX placed it on my credit file. XXXX XXXX XXXX could not even tell me what the debt was they told me to call XXXX which is XXXX XXXX phone number in which I called and was told it was being sent back to XXXX XXXX XXXX. I have also place a copy from the Consumer Financial Protection Bureau Complaint Number XXXX dated back on XX/XX/XXXX as submitted and XXXX XXXX responded back on XX/XX/XXXX as the disputed account has been removed from my credit report and that all 3 credit bureaus should have been sent as well. XXXX has been nothing but a nightmare dealing with the issue at hand. 
Attach is a copy from the company responded back as to the complaint filed to the Consumer Financial protection Bureau complaint number XXXX as proof
Product: Credit reporting, credit repair services, or other personal consumer reports

Originally on XX/XX/XXXX, I sent off the investigation letter to make sure all of my accounts were properly investigated, and to make sure everything was XXXX XXXX XXXX The credit beaureaus stated that the date the account was opened was XX/XX/XXXX. That information is incorrect. This is grounds for immediate removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2. The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I have never given these accounts written permission to furnish these accounts on my credit report. This is illegal. I also never received a letter requesting proof of my social security number or acceptable documents with instructions on where to send them. Quite some time has passed since I originally submitted this complaint, I am asking that this account be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts on my XXXX and Experian credit report was reported as lost/stolen : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My XXXX XXXX XXXX and XXXX XXXX XXXX credit card was reported as lost/stolen and the balance on my lost/stolen XXXX XXXX XXXX XXXX XXXX XXXX credit card account is all fraudulent and unauthorized charges/transactions. The debt collection account from XXXX XXXX XXXX XXXX {$360.00} is a fraudulent account and not my debt collection account. The following credit inquiries currently listed on my XXXX credit report is fraudulent credit inquiries and not my credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

AM NOTIFYING THE US ATTORNEY GENERAL ( XXXX XXXX ), TENNESSEE ATTORNEY GENERAL ( XXXX XXXX ), THE US COMPTROLLER ( XXXX XXXX  ), AND THE TENNESSEE COMPTROLLER ( XXXX XXXX ). 

See PREVIOUS complaints that outline VIOLATIONS AGAINST me and see attachments XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This is regarding my Best Buy Citibank Visa card. On XX/XX/XXXX, I ordered a pair of speaker mounts for {$250.00}. They were to be shipped to my home within one week. This order was never received. On XX/XX/XXXX, I called because, we had not received this item. I was told that we would have another pair of speaker mounts expedited to us by the end of the week ( no later than XX/XX/XXXX ). This date passed by and we never received the reshipment of the product. On XX/XX/XXXX, I called to follow up on this and was informed that the order on XX/XX/24 was never sent out, but that they would credit my account for {$250.00} and cancel this order. Then we could place the order again and pick up the speaker mounts at our local Best Buy store. We were informed to wait 2-3 weeks for the credit to process to our Best Buy Citibank Visa account. This never occurred. I called again on XX/XX/XXXX and was told after months of informing Best Buy of this error that I'd have to open a credit card dispute. The credit card dispute was opened on XX/XX/XXXX and closed shortly thereafter. I was never notified that this was closed or of the results. There is only a letter in my online account stating this was opened and there would be no interest while this is investigated. There was never a letter indicating the results only a 'closed ' next to the investigation appeared online. No one informed me of next steps. Then, after calling twice, once on XX/XX/XXXX and then again today, XX/XX/XXXX, I was told that the item was marked 'delivered ' on their end and the only thing they can do is direct me to contact the local police department and carrier of this delivery. They indicated that I am responsible for these charges. At this point, my credit card is paid off with the exception of these charges ( {$250.00} ) and I'd like a resolution to this matter, as I've been unsuccessful working this out with Best Buy Citibank. I've attached the only letter in my account regarding this dispute as well a screenshot of the area indicating that the dispute was closed with no other details as to the reason.
Product: Credit card or prepaid card

I purchased an XXXX  XXXX XXXX  with my Barclays Card with XXXX Rewards in XX/XX/2019, understanding that a promotional 18 month 0 % financing offer would apply as it has on previous purchases over {$990.00} I'd made at XXXX XXXX with that card. I immediately setup automatic payments to cover the balance of the charge over the 18 month period and figured all was well. I realized now that they've been charging me interest, claiming that I needed to contact them before making the purchase ( or within an arbitrary period of time after the purchase ) in order to get those terms. That is not spelled out anywhere on Barclays or XXXX 's websites. This is misleading and unjust.
Product: Checking or savings account

I have opened an online XXXX  account  on XX/XX/2021 after being informed by a retail relationship banker at the Bmo Harris Bank fishers location on XXXX XXXX of a {$400.00} dollars sign on bonus for opening a XXXX  checking account. I have made qualified direct deposits and maintained over XXXX dollars in my checking account to qualify for the {$400.00} sign-on bonus ; however, as of XX/XX/2021, I still have not received the {$400.00} sign-on bonus. 

On XX/XX/2021, I wrote the XXXX XXXX XXXX an email requesting an explanation for the missing sign-on bonus. In which the banker explained that the missing sign-on bonus was due to not having a promo code associated with my account according to BMO Harris support team and online department. Which I explained that the promotion code was auto generated after clicking open XXXX  account on the website. The process did not provide the customer a copy of the promotional code via email therefore I dont have any record of the code. The banker then proceeded to tell me that the only way to resolve this issue is to have this unique promotion code so she will work on getting a hold of that code as of XX/XX/2021. I emailed the XXXX XXXX XXXX back on XX/XX/2021 requesting an update on the progress for locating that code and inquired if she can resolve the problem with more time, which she completely diverted addressing my question. She did inform me again in the reply that she can only resolve the issue if she has the unique promotion code. 

Since XX/XX/2021, there has been neither any email communication from this XXXX XXXX XXXX to address the missing code nor any attempt from the institution to contact me to ratify the situation.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I signed up for student loan forgiveness via the US department of Education and spoke with someone about getting this process started due to my years of service as an educator. Since beginning this process, I have noticed that my name appears wrong on my student loans that show up on both XXXX XXXX, TransUnion, and other credit reporting agencies. I spoke with a representative of US dept of Ed, who shared this issue would be fixed immediately. However, since then, my student loans have changed hands twice without any communication from the new creditors. My loans, who now live with XXXX new companies that I have no knowledge of, have yet to change this information on my reporting- which is therefore inaccurate. I have tried both disputing and fixing these issues with these companies, transunion and XXXX XXXX ( still with no movement on my loan forgiveness ). When I call I am always placed on extremely long holds and cant get people on the phone in a timely manner to resolve this issue or drop this from my credit reporting, as it is inaccurate. I have also tried to speak with XXXX about the accuracy of what is reported on my credit report, as there are XXXX SEPARATE, yet similar another amounts from the same organization reflected on my account, yet one has not been updated since XX/XX/year>, which leads me to believe this is an additional issue, yet I can get no explanation from the organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this XXXX  account on my credit report with the original creditor and they told me that the account was sold to a company called XXXX XXXX XXXX XXXX, and that they were not the ones reporting anything on the account to the credit bureaus. I contacted XXXX XXXX XXXX XXXX and I was told that the account was placed with them but that they werent the ones reporting anything to the credit bureaus either, so I have no idea what is going on, I would like to get this account deleted since any of the two companies arent responsible for reporting it, I received a letter by mail from XXXX XXXX XXXX XXXX saying that they are not reporting anything to the credit bureaus and to contact XXXX. I also dont understand why, I called XXXX and they always tell me that XXXX XXXX XXXX, purchased the debt, then if the debt was purchased by them, they should be able to delete it or at least validated and provide me with the original contract bearing my signature or if there is a contract between me and this company I would like to see it.
Product: Debt collection

On XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX continued to call my place of employment and leave messages even after asked not to by myself and management. Cease and desist letter was sent they still did n't cease. They were threaten legal action and giving attorney name and company as " office of D Scott carruthers '' his license was suspended for practing law XX/XX/XXXX for 60 days and placed on a 2 year probation period. FDCPA laws were broken as well as state bar of California laws while calling me in repeatedly on the day of XX/XX/XXXX andXX/XX/XXXX. They have told my boss they were going to file a lawsuit against me. Disclosing personal information on several occasions as well as send me a fake documents saying they filed a lawsuit with actual court filing forms.. I call the court house to try and see when my court day was and they told me that the case number does n't exist and that I have no upcoming court dates or filings against me. So I 'm confused they are using illegal scare tactics with the attorneys name during a period he is suppose to be suspended with the state bar of California
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get Experian to remove inaccurate, false and misleading bankruptcy information from my consumer report and they refuse. XXXX deleted and discharged the inaccurate information, however, Experian continues to report it. Now my consumer reports have inaccurate information and Experian is failing to ensure my consumer report contains accurate information.

Experian also failed to reinvestigate the disputed item which is required by law. They are defaming my character by inaccurately reporting invalidated, unverifiable and questionable information on my consumer report without my permission. They failed to provide me with written proof of the validation of a previous dispute regarding reporting a bankruptcy on my consumer report. I asked for them not to send me a templated response and provide all documentation pertaining to the dispute. I only received a templated response. 

DO NOT CLOSE THIS COMPLAINT. IT IS NOT A DUPLICATE.
Product: Mortgage

Borrower paid {$210000.00} for XXXX, GA XXXX in XXXX, relying heavily on market value assigned by appraiser selected by Lender Wells Fargo Home Mortgage. Original mortgage balance was {$160000.00}. Current mortgage balance is approximately {$130000.00}. Mortgagor attempted and failed to refinance principal mortgage balance with Wells Fargo Home Mortgage in XXXX, XXXX and XXXX. Mortgagor invested more than {$50000.00} in property improvements from XXXX to XXXX. Appraised property value plummeted to $ XXXX in XXXX and $ XXXX in XXXX, according to appraisal companiesselected by Wells Fargo Home Mortgage. Mortgagor requested Lender to modify principal mortgage balance by {$40000.00} to offset hefty market-driven decline in property value. Lender declined. Mortgagor requested Lender to provide copy of original XXXX Application signed in XXXX. Lender could not provide copy of XXXX Application signed in XXXX. Mortgagor has been advised by other lenders that existing mortgage loan is non-conforming and is not owned by XXXX or XXXX XXXX. Wells Fargo Home Mortgage did not disclose to Mortgagor that loan is non-conforming and restrictive. On XXXX XXXX, XXXX, Wells Fargo Home Mortgage XXXX, GA branch Home Mortgage Consultant XXXX XXXX XXXX ( XXXX ) informed Mortgagor he had checked with his supervisors and learned mortgage loan is HARP eligible. Mortgagor requested HUD-GFE disclosure for HARP refinancing. XXXX XXXX XXXX sent Mortgagor XXXX Application that contained factual errors and disclosures for a Conventional refinance -- not HARP -- with interest rate of 4.625 %, and estimated closing costs of {$3300.00} that included appraisal fee of {$430.00} for Lender 's benefit only. Requested documentation was extensive, even though Mortgagor has a current FICO score of XXXX and more than 12 monthly payments in reserve. Every time Mortgagor contacts Wells Fargo Home Mortgage for copies of loan documents and resolutions, a different Wells Fargo Home Mortgage representative responds with dismissive rhetoric stonewalling requests and resolutions.
Product: Credit card

I received a credit/ debit card called XXXX XXXX  debit card. It looks very legit and on the bottom has an account number and routing number. It says XXXX XXXX  account by XXXX  and it says Card! There is only one number on there and when you contact it it asks you for your 9 digit social security which is odd! I did not enter any info because I can't risk it. Their website is Card.com and on their website it looks childish and looks fake to me. I never opened a credit or debit card from such bank XXXX or Card!
Product: Debt collection

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : BRIDGE CREST Account # XXXX Reason : Repo It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information reported by Credit Acceptance on my credit report, I have disputed this matter with XXXX, XXXX, XXXX, & through the CFPB. Credit Acceptance has XX/XX/22 Account Balance {$16000.00} reported to XXXX & on XXXX report is {$16000.00}. This is a direct violation under the FCRA and Im invoking my rights.