23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I purchased a XXXX from the retailer staples in XXXX New Hampshire to use on XXXX XXXX XXXX XXXX XXXX 2016, the device was returned 4 days later to the same retailer, also same clerk that completed original purchase, with this retailer and XXXX you get 10 days to try the service and device no obligation, XXXX XXXX unable to figure out how to release me from this debt that I do not owe them they claim its XXXX I 've called them 4 times since XXXX XXXX 2016 to try to fix this also contacted the retailer staples and talked to the store manager and clerk involved. They are all stating that the device was returned within the time limits. Now it 's XXXX XXXX and the account has been passed onto a collection agency named convergent, also XXXX wireless has tapped my credit report, stating collections as the reason. I fear for my good credit report that took a lot of work to maintain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX  XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} and XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Fraudulent Credit Inquiry Dear CFPB, I am writing to dispute several unauthorized inquiries on my credit report that I believe are fraudulent. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute inaccurate information on my credit report, and I am requesting your assistance in resolving this matter. 
Upon reviewing my credit report, I noticed the following inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I did not apply for credit with these companies, and I suspect that my personal information may have been compromised. I kindly ask that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Please let me know if you require any additional information or documentation from me to assist with your investigation. I appreciate your prompt attention to this matter and look forward to your response. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX  Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX  XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account XXXX XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX - Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. Inquires XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : XX/XX/2022 has violated my rights. 

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
Product: Consumer Loan

An old mortgage is listed on personal credit file inaccurately. Several times this item was disputed and nothing has been addressed with the creditor and credit agencies. I am requesting your firms help to resolve this matter. A couple things, XXXX and XXXX list 120 days past due which is inaccurate as this account was paid and XXXX also list a payment of {$8100.00} as the payment amount which is inaccurate also. I do not agree with the XXXX and feel this company does n't even have records to support the inaccurate data listed. Please help assist me
Product: Money transfer, virtual currency, or money service

I received payment for work I completed a week before the payment, for {$400.00}, via PayPal, which is now holding my money for no reason. This is theft. I want my money.
Product: Debt collection

I am sending the letter XXXX sent in response to a request for proof of debt. I received a letter of explanation but NO PROOF OF DEBT. 

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) the claim is disputed and validation is requested. 

If Macy is unable to provide the proper documentation as requested, all collection activity must cease and desist and all negative reporting must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

We ordered tacos from XXXX XXXX for a food order for XXXX. My credit card declined for no reason. There was $ XXXX available. I tried to use it again and it still declined. I called key bank and was told there was $ XXXX available so it shouldn't have declined. I called the restaurant and they said they could not see an order so We used my boyfriend 's XXXX for the order. I decided to view My account because I didn't understand why it declined. My card had been charged XXXX for an order that was paid for with My boyfriend 's card because mine declined. My credit score was lowered substantially because Keybank reported amounts of XXXX XXXX times to credit agencies. Because the lender charged My card so many times it increased My credit usage. My secured card had a {$300.00} credit limit. I disputed the charges but it was reported as an excessive percentage of credit usage which caused my score to drop. I called Keybank again that Sunday and was told the charges would drop. I disputed them anyway and checked again. By XXXX  XXXX had dropped but there was still XXXX lingering. I called the restaurant and the XXXX said he would let his IT dept know and that if I still had a problem to call him back but the only order he could see was the one under my name paid for with My boyfriend 's XXXX. I checked my account again on XXXX  and the XXXX charge for {$32.00} was still showing on my end. I called Keybank and explained to their repXXXX what had happened. She suggested that I order a new card because of all the problems with the card I used. I had already paused the card online myself and told the rep. I had frozen it until the confusion was cleared up. I called Keybank and tried to view my account. I couldn't view it. My credit card account had been removed. I spoke with the rep and was told there were XXXX charges showing again. I told the rep. I didn't understand how that could be when as of XXXX  there was only XXXX that needed to drop. If this isn't cleared up it will drop my score again because of the bank 's error. I called and the representative at Keybank said there is nothing she can do right now but my credit report should update once keybank reports again. I asked her if she knew when they would report again. She said she didn't know. So as the consumer my credit which I am working hard to rebuild is being destroyed by Keybank. This is not right! This is not fair to me as a Keybank customer. I sent the requested information to Keybank showing where the order was paid for with My boyfriend 's credit card.
Product: Money transfer, virtual currency, or money service

Date : XX/XX/year> Amounts : ~ XXXX equivalent of crypto assets. XXXX and XXXX. 
Incident ( XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX. My device was successfully logged in at a new IP and new device on XX/XX/year>, without notifying me at all ( screenshot XXXX ) .My primary location is in XXXX, but the fraudster 's login was in XXXX. I received NO text/email/in-app notification regarding this unusual activity. 
XXXX. At that time, the fraudster had access to both my XXXX  XXXX and XXXX  XXXX XXXX. Then the fraudster called me and proved he was legit, by telling me the bank account numbers that I linked in XXXX, the recent transaction I made in XXXX, and the assets I owned in XXXX. This means he had successfully logged in to my Coinbase main app. After proving that, he urged me to transfer my crypto assets from my XXXX  main app for safety reasons, to my XXXX  XXXX app, which both belong to me. 
XXXX. Then the fraudster took over XXXX  XXXX  app and transferred my XXXX ( XXXX and XXXX ) externally ( screenshot XXXX ), which was equivalent to almost XXXX XXXX dollars. I did not aware that at all, as I did not get any notifications. 
XXXX. On the same day, I filed police report, and also contacted Coinbase customer service, but they denied any help ( screenshot XXXX ), as XXXX 's already gone and they have no control over their wallet '.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

I am writing to dispute the following information that appears on my all my credit reports from XX/XX/XXXX : XXXX Credit Card opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX Credit Card opened on XX/XX/XXXX and a balance of {$0.00}. This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$16000.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX Credit Card opened on XX/XX/XXXX and a balance of {$1500.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXXXXXX XXXX XXXX Credit Card opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX Credit Card opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Collection account from XXXX XXXX XXXX and a balance of {$360.00}. The original creditor is XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible.
Product: Credit card or prepaid card

I have been a Bank of America customer for over 12 years and I have 2 credit card accounts established with them as well as 3 other personal banking accounts. One credit card has been active since XX/XX/XXXX and the other since XX/XX/XXXX. I have never been late with a payment, I consistently make payments in excess of the minimum monthly payment due, and neither card is at its credit limit. I received a letter this weekend indicating that my accounts were closed permanently and I needed to update any information that was associated with those accounts. The reason given was that my risk profile had changed and did not align with their risk tolerance. The only thing that has changed about my risk profile is that another unrelated credit card account that had no balance- was compromised due to fraud. I was made aware of this by checking my credit report at which time I contacted my credit card company since they had charged late fees and reported the account as delinquent based on the fraudulent charges. The investigation has been completed, the charges and late fees and credit reporting have been removed/reversed. Bank of America made no attempt to call me to make any inquiry or even inform me about the account- they just closed and I was embarrassed at two merchants because the card was declined before I had knowledge of the account closure. When I call the number provided with the letter, I am met with a message that says we are not going to explain any further why we closed the account and we will not reconsider our decision.
Product: Debt collection

i called the creat report angncey and they sepoted it and i got my creat report back it says it stayes on there
Product: Bank account or service

I opened up a checking and saving account with Key bank in XXXX Washington, on XXXX XXXX 2016. I was told by the teller she has order my debit card and checks the day of opening. And that it would take XXXX 10 business days to arrive to the bank. I was called on XXXX XXXX to pick up Checks. I thought I would be picking up my debit card as well. When I went to go pick up my checks there was no debit card. I was then told by another teller that my debit card was never ordered. I request for a manager to give me a call back. But the manager never called me back to check on my concern. Then 3 days later an ATM card was issued to me that did not help with any thing but accessing my funds from an atm. At this point I never received a call from the manager to express no concern. Today is XXXX XXXX 2016 and I have not received a debit card. There was no concern shown for me nor any express of apology shown for the inconvenience about me no receiving my debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  TX Account # XXXX This particular account is an account that should be deleted because the deal fell through because I was not able to provide a title for the vehicle I wanted to purchase, Therefore the loan fell through. That means that the information being reported is inaccurate. XXXX XXXX XXXX TX never gave me any money so I don't ow them anything. 
Consumer reporting agencies are also in violation of 15 US Code 1681 Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or
Product: Credit reporting or other personal consumer reports

To whom it may concern I was a victim of the equifax data breach and recently called because there are unauthorized inquiries on my credit report. I have asked that the this information be removed due to me having no knowledge of those information listed as inquiring on my report. My information was leaked by your company and now this. Please delete the inquiries
Product: Credit card

Bank of America incorrectly applied my payment to a credit card account. There were XXXX payments made in a billing cycle XXXX 2015. The XXXX payment of {$300.00} was made XXXX XXXX, 2015 and correctly applied towards the monthly minimum payment of {$81.00} and the lowest APR balance. This balance of {$7200.00} was subject to 0 % APR and represented the entire amount of debt on the account at the time. The XXXX payment was made on XXXX XXXX, 2015 for {$1300.00}. This entire amount of the XXXX payment should have been applied towards {$1500.00} of purchases posted between XXXX XXXX and XXXX XXXX, 2015. Unfortunately, Bank of America applied the payment incorrectly splitting the amount between the lower and higher interest rate. This resulted in an interest rate charge of {$9.00} against a balance of {$640.00} for purchases subject to the higher interest rate. If the payment was applied correctly, the balance subject to the higher rate should have been {$220.00}. I contacted Bank of America to resolve and they claim they applied the amount towards the lowest APR in accordance with Federal Law. This is NOT what the law prescribes. That only applies to the minimum payment amount and any amount above that must be applied towards the highest balance. 
I request you assistance on XXXX matters : 1 ) assist in getting the Bank of America to correctly apply the XXXX payment to reduce the balance subject to higher APR as this effects the next months bill and 2 ) assist in getting Band of America to refund the incorrectly charged interest.
Product: Debt collection

XXXX Notified via mail by Seqium Asset Solutions , LLC , of their attempt to collect debt owed from our XXXX XXXX XXXX XXXX XXXX XXXX My wife, who is the alleged debtor, and I tried to resolve via phone. No avail. 

XXXX Sent certfied letter stating we disputed the debit in full due to contacting XXXX XXXX XXXX prior to the alleged charges. XXXX XXXX XXXX verified at the time our service was cancelled with no debt owed. Asked for letter stating no debt owed and that it will not be reported to the credit reporting agencies within 10 days. 

XXXX Contacted Seqium Asset Solutions, LLC , via phone and informed it may take another 30 days for them to remove and they will send us documentation via e-mail and USPS . Not satisfied as this violates FDCPA. We would like any reward sent to us and removal of the debt and any negative credit reporting by XXXX XXXX XXXX and Seqium Asset Solutions, LLC.