23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi I 'm XXXX XXXX. This was back a couple months ago in XX/XX/XXXX-XX/XX/XXXX. I was missing my XXXX XXXX  Card one day, I could of drop it outside or lost it. I found things charged on my card that was n't even mine. So I called XXXX XXXX  they told me I 'm sorry that someone bought or stole from you using your card. They offered a kind gester to waive all the fee 's so the women from XXXX XXXX told me well you have {$0.00} balance now, after desputing the charges. Also she was suppose to send me a letter so I can send back never got that. She also opened me up a new account. So after all this I was like, okay XXXX told me I do n't owe nothing and all the charges were disputed. I told her thank you for all the help and you have a wonderful day. So Wells Fargo Fraud or Debt Collections tried contacting me like 5 months later, and I got interest from them also. But they said oh your charges got denied. I was like why. He said because of transaction history and I knew that was n't why because I never used the card. So the person who stole my card used around {$300.00} dollars which XXXX said they waived it all and said I have a {$0.00} balance but not its like {$500.00} or more now coming from Wells Fargo. Then Wells Fargo was like we have no file on record saying it was waived or they said anything about that. So basically I 'm in a fraud debt, I do n't even owe. He also told me oh you can not right a letter for fraud either the Manager of Wells Fargo Fraud Team.
Product: Debt collection

To Whom It May Concern, This letter serves as a formal request for validation of an alleged debt your agency claims to collect. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request full validation of this debt and all supporting documentation.

To comply with my request, please provide : 1. Proof of the Original Debt : Detailed information about the original creditor, the debts initial amount, and an itemized account of any fees or interest added.

2. Proof of Your Authority to Collect : Documentation of your agencys legal right to collect on this debt, including any relevant agreements and chain of title from the original creditor.

3. Verification of Statute of Limitations Compliance : Confirmation that the debt remains within the applicable statute of limitations for collection within my state. 
4. Original Purchase Agreement : As per Uniform Commercial Code ( UCC ) 3-305, I request a copy of the original purchase agreement and assignment of debt, which establish your agencys authority to act as the creditor.

As required under 15 U.S.C. 1692g ( b ), all collection efforts and reporting activities to credit bureaus must cease until you validate the debt with the requested documentation. Should you be unable to provide these documents, I will assume the debt to be invalid and take further actions to protect my rights. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I have previously submitted a complaint about XXXX XXXX XXXX account # XXXX inaccurately reporting late/on time payments on my consumer credit report, I received a response this month that XXXX XXXX XXXXXXXX has updated & verified the information which is FALSE & still inaccurate. XXXX XXXX XXXX has failed to verify any of the XXXX on time payments reported which are completely false. There is discrepancies with all three credit reporting agencies on the payment history section of the reporting and that shouldve had been updated 60 days ago. I have highlighted the account mentioned including ALL of the inaccurate/false discrepancies on my credit report and I demand that XXXX XXXX XXXXXXXX be removed from my credit report immediately due to the fact that inaccurate information can hurt my chances of being approved for credit right now or in the future and thats a violation of my right to FAIRNESS, 100 % ACCURATE REPORTING and privacy. 
According to 15 USC 1666b - Timing of payments ( 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. 
As a result of your conduct described above, you shall promptly DELETE the information disputed. Additionally, as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ) ;, you are liable to me for statutory damages for your misconduct, in addition to your deletion of the disputed account mentioned, you are demanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX issued, this is NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowed period to conduct such a reinvestigation has expired and shall not be extended by law. Within 14 days, ( 1 ) DELETE the account in dispute, ( 2 ) send a updated copy of my consumer file, ( 3 ) send me the {$1000.00} check to my mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California, XXXX.
Product: Credit card or prepaid card

This is now the 2nd time have found that CapitalOne raised credit limit without approval. Credit card companies should not do this and they know high limits, whether used on not, adversely affect credit ratios and thus scores. With this in mind, one has to  question why they would raise limits without getting authorization first? I am certain they would say as a convenience but I doubt that is the motivation. The bigger question is in what way this practice fuels their greed? 

The second issue is they do not have an easy 'mechanism ' to get it reduced. On the website can request an increase but have to call to have it decreased which means having to go through the queue, then verification process, then I'm guessing a couple agents to get to the right one, then probably some sales pitches ... and all this for something never asked nor authorized. 

The third and unrelated issue is that Capital One still posts a business credit card to my personal credit file. No other business card has ever done this so I request that CapitalOne remove the 'connection ' to my personal credit. We are a very established business and if they refuse then I will simply be cancelling the card. The primary issue is that as a business card, the balance fluctuates quite a bit and this can also adversely affect the credit ratios.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have sent the collection agency ( Credit Control Corporation ) several letters to validate or verify the debt and each letter has gone ignored. They will not reply to my letters but continue to report to the credit report agencies. They are violating my consumer rights
Product: Credit reporting or other personal consumer reports

I submitted a complaint with CFPB about M & T bank running a inquiry on my XXXX report on XX/XX/XXXX. I received a response from M & T bank indicating that they will remove the inquiry with XXXX. As of XX/XX/XXXX, the unauthorized inquiry remains on my report. 

M & T Bank didn't follow through with what they said they would do. Please help me resolve this on going matter
Product: Credit card

In XXXX around the XXXX I received a bill for a Macy 's American express card, that I do n't physically have. My husband and I do not carry any American express cards as we do not care for them. I called Macy 's and talked to customer service and told this the the customer service person and that I did not make those charges. I also asked them to cancel my account, that I did not want an account at Macy 's. The customer service person gave me a case # and told me the information was filed and account canceled and fraud recorded. Then I received another bill on XXXX XXXX saying I now owe {$77.00}. I again called and they said the account was canceled and I needed to fill out a fraud form that the records of my call on XXXX only canceled my account. XXXX XXXX a letter was sent to me to fill out a fraud form, which I did. Then I received a late notice dated XXXX XXXX on my account but now there was a new account number, and I received another bill, this time the bill had the new account number. I called Macy 's back again on XXXX XXXX, 16 at XXXX and was told it was still being disputed but they did cancel the card and issue me a new account, which they were now closing. XXXX who I spoke with said the case number I was given was not a real case number and maybe a new employee gave me wrong information. Again I restated the issue and he said I needed to call the trade commission and gave me the phone number. I called this number and it was not in service. I called back the fraud department of Macy ; s and was told that was the only number they had, that maybe I should XXXX research it. Then I received another letter dated XXXX XXXX, 2016 from Macy 's fraud department to file another form. Which I did! Today XXXX XXXX, 2016 I just received another bill with additional fee 's charged for being late, and now my bill is up to {$150.00} from the original {$49.00}. This is when I finally found a new number to call for the Federal Trade Commission and called because I do not know what else to do, and I am worried about my credit report when I keep getting over dues fees.
Product: Credit reporting or other personal consumer reports

XXXX XXXX for New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co ( Case No. XXXX ) District Court for Northern XXXX XXXX Georgia XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Case XXXX I am filing CFPB complaint against Equifax for fraudulent accounts that have appeared on my credit report, and I have been stressing to Equifax that these accounts are a result of Identity Theft stemming from Equifax and XXXX XXXX XXXX XXXX XXXX XXXX The erroneous, fraudulent accounts consist of an alleged auto loan XXXX XXXX XXXX and credit cards with XXXX XXXX. These accounts are not mine and I demand the fraudulent items listed to be removed, or I will hire an attorney and SUE EQUIFAX. Despite this, Equifax continues to badger, bully, and psychologically harass me. I need verifiable proof of these credit transactions were not initiated by me, as well as proof of identity to confirm who applied for these frivolous debts. I know my consumer rights under Federal laws. I have attached a copy of proof from FTC Identity Theft Complaint. Again, I request, pursuant to FCRA 605B ( 15 USC 1681c-2 ) that Equifax XXXX and remove within 4 days per statutes and request that all written confirmation relating to this CFPB matter be sent to me via email.
Product: Debt collection

multiple phone calls to my cell phone 3 calls in a row within 2 minute span - attempted on XXXX separate occasions- emailed XXXX XXXX XXXX XXXXXX/XX/22 and still communicated with me XXXX min later
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureau in question in regards to inaccurate information that were being reported onto my credit report and it has been more than 30 days and they have not provided no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on many occasions with all 3-credit reporting agencies. they are report inaccuracies and inconsistency on my credit report. they are not metro compliance, all items they claimed to have investigated and how was that done and still its inaccurate and inconsistent no updates. remove they are hurting my credit. and all negative items that is hurting my score must be removed immediately. i have attached documents of proof of the inaccuracies and inconsistencies
Product: Money transfer, virtual currency, or money service

Okay I've been a coinbase customer for 5+ years but rarely use them because their fees are about three times higher than anyone else. But they sent me an offer to set up recurring buys to receive XXXX bucks in free crypto. So unfortunately I was tempted and accepted the offer. I was supposed to be paid my XXXX dollar bonus after my second successful recurring buy of XXXX  or more dollars. Well that was a month ago and I sent an email to support which btw you can't do in the app without it restarting your ticket when you go to verify your email at the end. So for a company that focuses on new and cutting edge technology it's kind of pathetic that they can't even make their support work properly. So then I sent the email successfully and waited 4 weeks with no response. I have since submitted another ticket with no response as well. To say I was disappointed with this company 's shady unethical and illegal actions would be an utter understatement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried working with the credit reporting agency to correct my info, however they are not helpful at all-there shows to be a XXXX XXXX XXXX XXXX account that should be removed -this info is not correct in it reporting. XXXX has already removed this account and XXXX has not updated to be in the same accord. This info is effecting me is many ways then one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX XXXX XXXX # XXXX {$11000.00} XXXX XXXX XXXX XXXX # XXXX {$440.00} Inquiries : 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that  I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX XXXX XXXX # XXXX {$11000.00} XXXX XXXX XXXX  XXXX # XXXX {$440.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Account Numbers : BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX XXXX XXXX # XXXX {$11000.00} XXXX XXXX XXXX XXXX # XXXX {$440.00} XXXX XXXX # XXXX {$23000.00} Inquiries : XXXX/XXXX   XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I am writing regarding inaccuracies I have discovered in my consumer report. Specifically, I have identified transactions furnished to my report that are excluded by law under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681a ( 2 ) ( Ai ). 

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

A Lawful Contract has : ( 1 ) offer, ( 2 ) equal consideration, ( 3 ) acceptance by all parties for the contract, and ( 4 ) the signatures by all parties involved with the contract. Only the parties signing the contract can participate in the discussion of the contract : Full disclosure about the contract is imperative. 

XXXX, Me, XXXX XXXX XXXX, a living Woman, who does NOT have a contract or a " wet ink '' Signature with XXXX  XXXX XXXX XXXX XXXX  and/or MIDLAND CREDIT MANAGEMENT. XXXX XXXX XXXX XXXX. 
Make it also known that Me, First of the family XXXX, a living soul woman, have not seen nor witnessed a " wet ink '' signature contract between XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX  and/or MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX. nor have I ever received a True Bill in commerce in regards to the above-reference account.The XXXX XXXX XXXX XXXX XXXX  and/or MIDLAND CREDIT MANAGEMENT have attempted to upon levy and / or trespass upon Me, the Living Soul Woman, without due cause. There is NO valid contract, and said XXXX XXXX XXXX XXXX XXXX and/or MIDLAND CREDIT MANAGEMENT have also used my copyrighted, commercial property, the artwork of XXXX XXXX XXXX XXXX without my prior, written consent. 

The XXXX XXXX XXXX XXXX XXXX  and/or MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX, are obviously trying to do harm to Me, the Living Soul Woman, XXXX XXXX of the family XXXX by XXXX, force of threat, force of contract, payment of fictitious debt, etc. to steal Me, XXXX XXXX XXXX, property at Non-Commercial, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Georgia, and any and/or all possessions of Me, the Living Soul Woman, XXXX XXXX XXXXXXXX. 

Where there is NO CONTRACT, there is NO CASE ( see Erie Railroad Co. v. Tompkins, 1938 ). If there is any assumed CONTRACT and/or CONTRACTS with any and/or all XXXX XXXX XXXX XXXX XXXX  and/or MIDLAND CREDIT MANAGEMENT., XXXX XXXX XXXX XXXX  XXXX between Affiant, Me, XXXX XXXX of the family XXXX, a living soul and Woman, I hereby rescind, decline, revoke any my signature on any and all said contracts, and they are hereby NULL and VOID.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account listed on my report by XXXX XXXX XXXX with Transunion, XXXX and XXXX for months. The account has come back verified each time. I asked how this information was verified and received no response. I was able to get reach out to XXXX XXXX XXXX and received information that the balance reporting on my credit reports is NOT accurate. 
Had the companies done an independent investigation and not relied on E-oscar, or had they verified that the reporting account was metro 2 compliant, then they would know that my concern is valid and the account should be removed immediately. 
This is a violation of the FCRA. All information reported should be 100 % accurate and verifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEED CONTACTING AND WORKING WITH THE LISTED CONPANIES AND THE CREDIT BUREAUS FOR ALMOST A YEAR. THEY HAVE REFUSED TO LOOK INTO MY CREDIT REPORT. THEY CONTINUE TO SEND ME A REPLY, THAT THE INFORMATION IS CORRECT. I'VE ALSO CONTACTED THE COMPANIES AND WAS TOLD THEY NO-LONGER HAVE ANY RECORDS. THEY REFERRED ME TO A COLLECTION AGENCIES, THEY WANT ME TO CONFERM MY FULL ADDRESS AND SOCIAL SECURITY NUMBER. 

XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX {$1200.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX  XXXX {$580.00}
Product: Debt collection

On XX/XX/XXXX at approximately XXXX XXXX, I received a phone call from XXXX XXXX, who said he was an independent process server. He said he wanted to serve me with a complaint tomorrow at my address. I ask what the complaint was about, then he gave me the phone number XXXX to call and a Case No : XXXX. 

When I called the number, XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, answered the phone. After giving him my name and case number, he said I owed Capitol One {$1800.00}, the account was opened on XX/XX/XXXX and that the last payment was XXXX of XXXX. At no time during our conversation did he say, " He was attempting to collect a debt and that any information obtained would be used for the purpose of collecting a debt. '' in violation of " FDCPA ''. 

Additionally, he lied about the dates and amounts of the debt in violation of " FDCPA. ''