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

The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am not requesting the itemized bill, I am requesting an instrument bearing my signature.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.

By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. " I received your letter & I am the one inputting this dispute. My last one was closed for no reason ''.
Product: Debt collection

The following account needs to be removed immediately, as the accuracy of the account is incorrect : Portfolio Recovery, account number XXXX, balance {$1300.00}. Reason : please verify and validate all data for this account, every notation, dates and balances, whether reported or not. Their monthly updates on an account that has received no contract with me for payment is against Federal Law. If you are unable to verify the account with the original contract, the information should be removed within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX the following accounts have violated my rights. 

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

XXXX credit services was a account charged off put in collections and resolved. Transunion has refused to the original XXXX account and also the charge off that has been resolved and instead are leaving both as as derogatory and further hurting credit. Account was closed XXXX XXXX and they keep updating derogatory mark to further hurt credit ( Updated XXXXXXXX XXXX ). Last update was XXXX. The files show Trans union reporting both accounts as derogatory to further hurt consumer and prevent scores from improving.
Product: Debt collection

I have a bankruptcy that was XXXX in XXXX. I purchased a house after the bankruptcy. When I tried to refinance my home I found out that Wells Fargo put a lien ( XXXX XXXX # XXXX ) on my home for a debt dated XX/XX/XXXX. This debt was included in my bankruptcy. In the letter, I gave them this information and request for them to remove the lien. A few weeks later I receive a letter stating they were working on it. On XX/XX/XXXX I received a call from XXXX XXXX ext XXXX, stating they could not find the lien and did I have any more information and I could fax it to her. I faxed her the paperwork from the title co. a copy of the judgment indicating the case and docket #. On XXXX I received another letter to contact XXXX ( no last name was given at XXXX. I called the # over 20 times in 2 days and it keeps ringing busy. so I called XXXX back and left her a message and faxed her a note stating such she never responded. I feel like I'm getting the runaround. Its been over 30 days since I started this process and I'm still at the 1st step and now no one is responding to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update and verify the following account below, which is not mine but is reporting on my credit report, the information reported is incorrectly. I have never incurred debt with these creditor, I did not made or authorized it. The account is not mine! 
XXXX XXXX XXXX  XXXX XXXX - XXXX
Product: Prepaid card

I puchased a vanilla giftcard at XXXX on XX/XX/year> for {$75.00}. the card would not activate. I called the company they requested an email with a picture of card and receipt. i emailed them all documents. Have called them and emailed them several times no response. checked online with the case number given and they closed my case. No card was ever mailed to me or money refunded.
Product: Payday loan, title loan, or personal loan

I applied for a loan through One Main Financial ad received a call from who I thought was the company telling me i Had been approved. Below is a copy of the loan acceptance letter ; One Main Financial XXXX Attachments XXXX XXXX  ( 3 hours ago ) to me Hello, Mr.XXXX In this Consumer Loan Agreement ( " Loan Agreement '' or " Agreement '' ), the words " You '' and " Your '' mean the Borrower identified above. The words " We, '' " Us '', " Our '' and " Lender '' mean One Main Financial holdings, LLC, licensed and regulated by the State of Washington Bank Commissioner. 



Monthly Installment Amount {$260.00} Total Months to Re- Pay your loan Amount 12 MONTHS Amount Financed The amount of credit provided to you {$3000.00} PAYMENT SCHEDULE : SECURITY : You have to secure with XXXX ( XXXX XXXX XXXX ) which is going to cost you {$190.00} ( for next 12 months ) which is a Refundable Amount. 

LATE CHARGE : If your payment is one or more days late, you will be charged a one-time late fee in an amount that is the lesser of {$30.00} or 5 percent of the total late Payment ( including finance charge ).

PREPAYMENT : If you pay this loan off early, you will be entitled to a refund of any unearned finance charge. Review this entire Loan Agreement for additional information about nonpayment, default and prepayment refunds.

Disbursement Authorization : You authorize us to disburse the proceeds of Your Loan, totaling ( Loan Amount ), subject to the terms and conditions of this Loan Agreement, as follows : 1. {$35.00} to payoff outstanding amounts owing on prior loan ( s ) ( Number ( s ) ), including any outstanding principal, accrued interest and other fees and charges, if any, As of ( Date of Loan ) 2. Loan amount will be deposited to your checking account identified in ACH authorization here in. Thanks Regards, XXXX XXXX ( loan manager ) One Main Financial XXXX XXXX XXXX I'd paid for the insurance to realize that it was all a scam. Asked for my money back and was told it can't be cancelled be cause the player quit the game.
Product: Debt collection

Dear Sir/Madam, I am writing in response to your communication dated [ Insert date of the first letter or phone call ], regarding an alleged debt that you claim I owe. I am requesting validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), which requires you to provide the following information : The amount of the debt : Please provide an itemized statement or documentation showing the amount you claim I owe, including interest, fees, and any other charges that have been added. 
The name of the original creditor : Provide the name and address of the original creditor to whom this debt was owed. 
Verification of the debt : Provide a copy of the original agreement or contract that I signed, or any other proof that I am legally obligated to repay the debt. This should include any documents showing that the debt was transferred to your agency. 
A statement confirming that you have the authority to collect on this debt : Please provide documentation proving that your agency is authorized to collect on behalf of the original creditor. 
Until I receive the requested validation, I ask that you cease all collection activities, including reporting this alleged debt to the credit bureaus, until the debt is verified. If you can not provide the necessary documentation, I request that you remove any negative information related to this debt from my credit report and cease any further collection attempts. 

Please note that under the FDCPA, you are required to provide this validation within 30 days from the date of receipt of this letter. If you fail to provide the requested information, you must cease collection efforts and consider this matter resolved. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with LexisNexis Risk Solutions and they send me a form for consumer request information form it's like they don't want to take my dispute I sent them what I wanted to dispute email addresses all home address that are not mine phone numbers that are not mine insurance claim that is not mine why did they send me a form to request my report when I am disputing the report they just sent me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get these hard inquiries off of my credit report because I did not authorize them. I tried on multiple occasions to get XXXX, equifax and XXXX to remove these unauthorized claims from my account. This is what I submitted to them. Notice of Dispute, Intent to Litigate for Impermissible Credit Pull.

I recently pulled a copy of my consumer report and I notice inquiries that I did not authorize.

The fair credit reporting act says that the only permissible purpose for pulling someones consumer report is for : 1. Firm offer of credit 2. Insurance 3. Court order 4. Employment These inquiries do not have a permissible purpose they are not attached to an account : XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXXXXXX XXXX + XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please remove the listed inquiries from my consumer report they were not authorized Outside of what I just listed above according to the FCRA these inquiries do not belong on my consumer report letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows :
Product: Credit card

Applied for a credit card with capital one on XX/XX/XXXX. 

Capital one asked for documents to be uploaded to portal. Documents were uploaded on XX/XX/XXXX and XX/XX/XXXX. 

Capital one sent XXXX emails saying " thank you for uploading your documents '' I received no other correspondence from capital one after this until I placed a phone call on XXXX. The online portal for uploads was closed so I faxed my document per the customer service representative. They said there was an issue but it they couldn't tell me what it was. I received confirmation from capital one they received my document. No other correspondence was sent. 

On XX/XX/XXXX I called again, and was again told there was issues with XXXX document but they could not tell me what it was. I again faxed the document and received confirmation from capital one it was received. 

Later that day I received an adverse action letter stating my application was denied due to it being incomplete or unable to be verified. 

I provided all documentation that capital one asked for, and waited nearly 2 months with no correspondence except for communication I started. 


I attempted to resolve this with capital one but was told it was illegal for them to tell me what was wrong with my documents, and against policy to provide me with countless numbers of alleged correspondence they sent over the course of this application process.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed a police report with law enforcement to report that I found accounts on my credit report that were not mine. XX/XX/XXXX I sent in a dispute by mail to XXXX credit reporters showing the exact accounts that do not belong to me. I requested for those accounts to be removed and if they are not that they send me the assignment contract and the information that was used to conduct the investigation.
Product: Checking or savings account

Recently viewed my XXXX report and it stated that I have a non-sufficient fund charge-off for {$150.00} from my Capital One checking account. 

The last time I used my account was XX/XX/2021. 

There is a Charge on my debit card for {$150.00} from XXXX com on XX/XX/2021. 

I never authorized XXXX com to make Charge on my debit card for {$150.00}.
Product: Checking or savings account

XXXX transactions using my card, PIN, account number, and routing number were executed while I was at work. Camera footage reveals my whereabouts and activities as well as the perpetrator at the time. This case is very straightforward and apparently my money isn't safe with Chase even with a new account. I was promosed a thorough investigation when I just want my hard earned money back. They never catch these perpetrators no matter how brazen.
Product: Credit reporting or other personal consumer reports

I was checking my credit reports and found some innacurate hard inquiries that belong. This may be a result of my identity being stolen. XXXX XXXX XXXX XXXX has conducted a hard inquiry on my XXXX and Equifax credit reports on XX/XX/XXXX. XXXX XXXX has also conducted a hard inquiry on my Equifax credit report on XX/XX/XXXX.
Product: Checking or savings account

XX/XX/XXXX - Billpay payment initiated to our XXXX  XXXX XXXX credit card acct XXXX to be paid by XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX  XXXX XXXX notified me of non payment on our credit card XXXX. Discovered Chase rejected to make billpay payment despite sufficient balance and with no advance notice. 
XX/XX/XXXX '' At the XXXX, MD branch, branch manager XXXX XXXX refuses to help me even though I am joint account holder and Chase approved with verification affidavit Power of Attorney for all accounts. XXXX, despite him informing me that he is very familiar with Power of Attorney, refuses to help me despite Maryland Statutory Power of Attorney 17101. Iask for him to escalate the issue and to pay XXXX interest and late fee. He won't escalate because branch is closed and he and his staff want to go home They have plans for the night. States he will escalate issue Monday but never does. He confirms he wants me to leave now. '' XXXX discriminated me due to my skin color/ethnicity and threw me out of his branch instead of helping me. He never followed up, credited my late fees or interest, escalated my issue or called me. 
XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX Executive Escalation XX/XX/XXXX XXXX  ( XXXX ) XXXX Executive Escalation Texas '' XXXX XX/XX/XXXX XXXX Says Chase reserves the right to reject any BillPay payments and will not credit late fees and penalties outside of Chase . Said I should ask XXXX XXXX XXXX  for courtesy credit. Would not give me his last name. 
XX/XX/XXXX XXXX XXXX Said Chase can reject all payments. She said my payment was rejected and not delayed, therefore they will not pay my penalties. 
XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX Chase cancels my credit card account that I've had for more than 10 years. XXXX says she will open credit card escalation but she is on the banking side. XXXX XX/XX/XXXX XXXX Credit Cards `` Supervisor redeemed rewards points of {$600.00} of XXXX Banking closed our credit card account. 
XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX Executive Level Credit Card. Intake XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX Regional Mgr. He stated supervisor of executive escalations will call me XX/XX/XXXX or XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX ) XXXX Manger executive office XX/XX/XXXX XXXX ( XXXX ) XXXX Will have XXXX XXXX Call me back regarding balances due to us and statements. Could take up to 48 hours. 
XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX Says accts were closed XXXX and takes up to 10 days to receive checks. Will mail me statements for all accounts and follow up and mail me XXXX statements to cover XXXX. I never received any of our statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

From dispute my made with CFPB # XXXX Equifax continues to say that an XXXX XXXX card ending in XXXX. I am disputing this can they keep saying in belong to me. On XX/XX/2023 I spoke with an XXXX which is a representative with XXXX XXXX Credit Bureau Department. I went thru are security protocols and phone recording that this account does not belong to me. He stated this was taken care of and that it should be on my credit. But Equifax keep send me disputes letters saying that it belongs to me. I am not related or married to whomever this account belongs to and Equifax needs to remove asap or face a legal lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion charged my credit card for a purchase I was unaware I was making. Inever seen any invoice or contract stating I would be charge to gain entry to my account which I thought was free. Now I ahve been charged XXXX for information I already knew. Not only this XXXX and transunion credit scores are XXXX points different than XXXX. I am needing purchase a hoomme and I am being locked out because of this difference. Everyone of these lenders are using XXXX or Transunion so you pay enormous finance charges. This needs to be fix by someone. The poor people who are needing cars and homes finaceed are the ones who are being put in position of paying outrages finance charges. This makes no sense lenders charging the poor more for credit yet they say your credit scores are low. Does not add up chrg9e you more so you have a harder time paying. Anyway, I do not know why I was charged this fee to log onto a account i already had. And if someone can help poor people have a chance for fairness then we all will be betterr for this.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I went onto XXXX XXXX and filled out their form for an electronic deposit from my XXXX checking account directly into my XXXX account for the year XX/XX/XXXX for {$6500.00}. I accessed my XXXX account on XX/XX/XXXX and did see my transferred {$6500.00}. I immediately contacted XXXX ( XXXX ) and spoke to customer service, XXXX, and then the supervisor XXXX and they said they did not see my money but would send this as case number XXXX to their operations department and that I would be contacted in 5-7 business days. XXXX verified the XXXX of monies as did BNY Mellon as occurring on XX/XX/XXXX. I continued to call XXXX and they continued to tell me that they are expediting my complaint to operations and that is all they can do. On XX/XX/XXXX I  sent XXXX an email stating I was escalating this complaint and I filed a complaint against BNY Mellon on XX/XX/XXXX. I was by given by BNY Mellon 's representative the name of XXXX XXXX and XXXX XXXX, who is in charge of XXXX. I have called her daily and she has never returned my phone calls, but today, XX/XX/XXXX, her receptionist asked me if " they had called me '' and I thought that odd. I asked who " they '' were and she would not say. So, my husband and I feel there may be fraud involved since this should have been an easy issue to resolve, but there is the fact that almost {$7000.00} of my money is missing and no-one can attest to where these funds are. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I wrote a letter to Experian, XXXX, and XXXX about information on my credit report being fraud and asked for it to be removed. I also sent an Identity theft report from the Federal Trade Commission to confirm, and these accounts remain on my profile. 
The accounts are XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is Allowing XXXX XXXX to report two unauthorized inquiries on my credit report. Attached is a document from XXXX  XXXX stating they will remove them from my credit report. PLEASE REMOVE ASAP. 

On XX/XX/2018, I called XXXX XXXX to apply for a SECURED credit card. I spoke with a XXXX XXXX representative over the phone, to submit my information. After submitting my information, I was informed that I should wait 30 days for my results. 
Around XX/XX/2018, I was informed that the application WAS NOT for the SECURED CREDIT CARD I stated I wanted to apply for. I asked the representative to transfer me to a manager, the manager told me I was to submit another application which will result in ANOTHER HARD INQUIRY on my credit report. Now I have TWO XXXX XXXX HARD INQUIRIES on my credit because of THEIR MISTAKES! I DEMAND THESE INQURIES TO BE REMOVED. THIS IS NOT A DISPUTE TO VERIFY IDENTITY, I AM REQUESTING TO REMOVE THIS INQUIRY DUE TO ERROR BY XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

These Accounts have violated my rights According to FCRA. XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX. XXXX ) XXXX. XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX. THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, EQUIFAX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : XXXX ) DEFAMATION XXXX ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD XXXX ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.