23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

REQUEST FOR VALIDATION OF DEBT Dear, XXXX XXXX XXXX   Your letter was received on XX/XX/18 alleging that I owe a debt to an original creditor named XXXX XXXX XXXX Im not aware of this account You are reporting XXXX XXXX XXXX in collections with your organization. I am unaware of any contract creating an obligation or indebtedness to XXXX XXXX XXXX, or XXXX XXXX XXXX 

So that I may further assist you, I am requesting that you validate the debt. Validation differs from verification, whereas I am challenging the authenticity of debt you are attempting to collect. Provide me with a true copy of the authenticated contract with my signature at the address provided above. 

NOTICE OF DISPUTE I am disputing the principle and any interest of the alleged debt obligation and I am disputing any outstanding balance owed by us. Please update the record with XXXX, XXXX, and XXXX   that the principle, of this debt is in dispute. 

Please correct the records with all reported credit bureau, to reflect that the principle is in dispute. If you are unable to validate the information within 30 days, the account must be deleted. This debt is considered to be invalid until I receive the contract, requested at the addresses provided above. 

Please note the following : Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
Product: Credit card or prepaid card

I did a balance transfer from my Citi card account. It is due to be paid off so I do not incur additional interest or fees. No where on the site or when I call the CS rep can someone give me a clear and concise balance so I know what to pay and on what date. It says I should pay by XX/XX/2022 but the statement closing date is the XXXX. Normally it is by the due date and that is the XXXX. It is so confusing, the rep was on the phone because the numbers are not matching and she could not find the numbers either. The amount she is giving me is almost XXXX less than what the numbers available say. Is this a trick so I dont pay the right amount? I really do not think it is but why can't there statement or site give the correct and up-to-date information. She told me she was going to look at something, then hung up after waiting for XXXX min to get someone and XXXX min on the phone. 
Very frustrating and it needs to be represented to the consumer in a more plain talk like other banks. There is not warning that it is due by a certain day on the statement, no alert that your balance transfer is due on the site. 
My daily balance subject to interest is XXXX. I have paid XXXX I should owe XXXX and she is saying I owe XXXX. Does not add up.
Product: Credit card or prepaid card

I would like to explain the problem in the simplest way possible. I bought several 12-hour packages on XXXX XXXX  is an online tutoring website. They made an automatic charge for 12 hours that I did not authorize. As soon as I complained to XXXX about this unauthorized charge, they issued me a refund. They charge a small fee per transaction, in this case, XXXX, which they charged to the card in order to give me a refund. They authorized the refund for XXXX but for some reason the bank did not apply it to my account. 
Please, you will be able to find attached to this document the XXXX refund receipt which by itself should clarify any doubt, and you will also be able to find the chats with customer service about the refund. 
As you can clearly see the problem is not with XXXX They agree with me that the charge of XXXX was unauthorized and approved my refund. the problem is with CITI BANK which refuses to give me my money back. 


citibank Case ID XXXX
Product: Credit reporting or other personal consumer reports

I requested Experian to remove the inaccurate information from my credit report. It is causing me delay in my personal life. I have submitted all documents that warrant my request for removal of inaccurate information. I have submitted police reports, FTC reports, identity information etc... ..Experian has broken the law by removing and reinserting negative inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax furnish information without my consent and has violated my privacy rights.
Product: Checking or savings account

My debit card was stolen on XX/XX/XXXX and from XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX there are XXXX atm withdrawals equaling to {$5000.00} my bank is refusing to give me my money back even with all the police reports detectives name and number and case number the charges are from XXXX XXXX and the XXXX Ive been fighting with this bank for a month my debit card was stolen my car was stolen and my cell phone was stolen I need help getting my funds back
Product: Vehicle loan or lease

In XX/XX/XXXX, I purchased a new XXXX XXXX at XXXX XXXX in XXXX. At the time, I purchased the following add-ons : Premium Maintenance ( {$1400.00} ), Tire and Wheel ( {$690.00} ), and Protection Plus ( {$190.00} ) under Deal # XXXX. I was not entirely satisfied with the vehicle and subsequently traded it in this year ( XXXX ). During the trade in, the loan was paid off and the vehicle was surrendered to the XXXX dealership. I have provided ( twice ) the supporting documentation that was requested to get a pro rata refund for the add on products ( first contact on XX/XX/XXXX ) and have not heard so much as " we're working on it '' despite following up.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is not a case against transunion. however, i would like for them to know that my account with XXXX XXXX XXXX is now under investigation by the North Carolina Department of Justice XXXX XXXX XXXX as of XX/XX/2021. i will attach documents to show this information
Product: Vehicle loan or lease

XXXX XXXX is still trying to collect on unauthorized charges the dealership has called and reached out to them to have it corrected but they refused to listen they even sent a check back to Westlake finance which they claim was sent to the address with out a XXXX XXXX XXXX refuses to remove the over charge of the warranty XXXX and XXXX and XXXX and other charges with interest.XXXX and myself have tried numerous of times to have the conversation on the contract the was wrong I have call serveral times over the course of the years and they refuse to hear anything or make notes on the account about the accuracy of the additional fees they should have been removed I have even reached out to XXXX about these charges and they play in my favor to resolve its is impossible to communicate they told me that I owe a balance after filing for XXXX XXXX XXXX and I gave permission for they to call me back still refusing to resolve they told me the account is written off and that they are trying to o repossess my vehicle when I have over paid the car was XXXX and I paid XXXX down but other unauthorized charges was add making my loan more then it should have been they refuse to give the title to my car I owe they nothing they owe me from what I over paid with interest
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in XX/XX/2023 to XX/XX/2023 to be removed. 

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

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


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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

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

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

Good evening, I come once again to remove incorrectly reported Public Record, Im having a hard time with getting Experian to comply with FCRA section 609, I have disputed a incorrect address on my credit report, this address is associated with a reported Public Record, Experian agree and removed the address, as well as the furnisher of the information, XXXX XXXX, however, the feel that thier not obligated to remove the Public Record associated with the address, the FCRA requires that any information on your report wrongly reported is grounds to remove that item, Im asking Experian to please honor FCRA and remove the Public Record on my report.
Product: Debt collection

Sunshine credit services has re inserted a debt that is not mine. I have disputed this with them since XXXX of 2024 it was deleted from my credit reports all three bureaus & now they have violated my rights by the law FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY by failing to notify me within XXXX business days of reinserting this account SUNSHINE CREDIT SERVICE must cease and desist all attempts to contact me further by phone by email by voicemail and remove this account from all three credit bureaus effectively today XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed the reporting of my Santander loan 3 different times. They have not sent any results back. They did not conduct an investigation. The first dispute ( XX/XX/23 ) was " Under 15 U.S. Code 1681s2 ( F ) Reporting information during COVID19 pandemic - Update Account to NEVER late '' was never investigated. the company did not respond. The second dispute was send on XX/XX/23. The dispute reason was " Under 15 U.S. Code 1681s2 ( F ) Reporting information during COVID19 pandemic - You did not enter a notice of dispute. You are in violation of FCRA.- Update account to NEVER late. '' AGAIN the company did not respond. My dispute status was never changed and I received no results from the investigation. My THIRD dispute was sent on XX/XX/23 and my reasoning AGAIN " Under 15 U.S. Code 1681s2 ( F ) Reporting information during COVID19 pandemic - This is my third attempt at disputing the late payments on this account. There was a loan modification. You are violating the CARES ACT and FCRA by not entering a notice of dispute. Update my account to never late or I will pursue litigation. UPDATE TO NEVER LATE '' The company still has no responded or updated my dispute status. I recieved a loan modification over the phone for my loan due to having covid. The company is still reporting late payments! I want my credit score uopdated. It has dropped my score XXXX points!
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES STOLE MY IDENTITY AND HAS FRAUDULENTLY APPLIED AN ACCOUNT ON CONSUMER REPORT DOES NOT BELONG TO CONSUMER. CONSUMER HAS PROVIDED DOCUMENTATION AND COMPANY REFUSES TO REMOVE FRAUDULENT ACCOUNT. COMPANY DOES NOT HAVE PROOF OF ORIGINAL PROMISSORY NOTE NOR PROOF OF WET INK SIGNATURE TO THIS " CREDIT CARD ACCOUNT ''. COMPANY PORTFOLIO RECOVERY ASSOCIATES HAS VIOLATED SEVERAL LAWS AND WILL RESULT INTO LITIGATION IF THIS FRAUDULENT ACCOUNT IS NOT REMOVED FROM CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

my account was out 30 days late when i pay every XXXX weeks. 
so there is no way i should be 30 days late for XX/XX/year> and XX/XX/year>. 
i deferred a few payment in the pass during covic and was toll it was being to the back of loan. the mature date was in XXXX. and i still was paying every XXXX weeks. 
not gave me no info that i had to make a modification payment plan on ending balance. 
i was still making monthly payments. so until i saw my credit report that i was put down for 30 days late for XXXX months XX/XX/year> and XX/XX/year> which is not true. i untanned a modification payment plan now for remaining balance so iam asking you to please remove the XXXX XXXX lates off my report it is stopping me from purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are attaching a copy of the letter my husband and I sent to Equifax on XX/XX/XXXX. They are supposed to respond within 30 days, but its been over 2 months and we haven't received a response yet.
Product: Money transfer, virtual currency, or money service

Ok theXX/XX/XXXX Transferwise which exchanges currency and funds. Advertised a new borderless account that you can use to transfer money and pay bills with in different currencies. I exchanged Pounds sterling into dollars {$600.00}.

I was told several times by Transferwise staff that payments can be debited and bills paid.

When I made the payment on the XX/XX/XXXX. The money {$600.00} was returned because Transferwise changed there mind and decided not debit any account even though I was told I would. Because I was using that money to pay my credit card those funds were past due and my account is in delinquent significantly decreasing my credit score. My credit card company charged me {$110.00} cents in late fees and interest charges. I was told via phone on Saturday XX/XX/XXXX by a member of Transferwise called XXXXXXXX XXXXv that any late charges of fees will be reimbursed by Transferwise for any inconvenience caused. Also I filled a complaint and no one returned my calls. I called 5-6 times and yet my complaint was ignored and Transferwise refused to honor the pay even though they said they would. Transferwise has misled me through false advertising and refuses to be accountable for there mistakes
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX 2. Identity Theft EXPERIAN XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 3.  Identity Theft EXPERIAN XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 4. Identity Theft EXPERIAN XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 5. Identity Theft EXPERIAN XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 6. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit 7. Identity Theft XXXX  XXXX Account Number : XXXX Please remove it from my credit Identity Theft 8. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
Identity Theft 10. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX XXXX, Account # : USAA Auto Loan XXXX USAA has unprofessionally stalked my credit report, changed dates multiple times, and reflected inaccuracies in blatent disregard multiple times over the past 6 years. USAA is taking revenge on me and damaging my credit score. I pay all my bills on time and can not get a break because USAA is predatory. 

This latest discrepancy is USAA is reporting this Auto Loan Charge Off as : INACCURACY # 1 : Last Payment Made : XX/XX/XXXX. The vehicle was repossessed in XX/XX/XXXX so how could the last payment be made XX/XX/XXXX? 

INACCURACY # 2 : USAA is inaccurately reporting that the last payment was made in XX/XX/XXXX and at the same time saying the account was not closed until XX/XX/XXXX ( 5 years later ). 

USAA is purposely punishing me and slandering my credit report. I will give USAA 30 days to delete this MISLEADING and INACCURATE credit entry from all three Credit Bureau 's. 

I have written multiple times and USAA has refused to take responsibility and correct their blatant errors.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account loan opened at XXXX XXXX XXXX under the account number XXXX opened XX/XX/XXXX with a balance of {$790.00}. XXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX opened XX/XX/XXXX, XXXX account number XXXX that resulted a late payment on XX/XX/XXXX as do XXXX XXXX XXXX XXXX account number XXXX that resulted in a late payment on XX/XX/XXXX. XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX resulting late payments due to XXXX XXXX. please remove all late payments. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, late payments or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, late payments and hard inquiries are the result of identity theft and fraud. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX from FTC report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached please find [ 4 ] Form XXXX issued by XXXX wherein they make notice of " Cancellation of Debt ''. Each of the XXXX relates to the following XXXX Credit Card accounts which I have repeatedly disputed. XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. Each dispute was met by XXXX 's claimthat they verified the account as accurate. Recently, I received refund checks from XXXX related to these accounts. I was told XXXX had not handled my disputes properly and had in fact overcharged these accounts on numerous occasions. The XXXX revelations came about due to complaints to Consumer Financial Protection Bureau, a subsequent investigation, and settlement agreement with CFPB wherein certain XXXX members would be reimbursed for XXXX 's errant ways. As the attached XXXX will attest, XXXX has abandoned all claim to the referenced accounts and cancelled the debt associated with each. Nonethereless, XXXX, XXXX, XXXX, XXXX XXXX, Credit Karma, XXXX XXXX XXXX and others continue to report innacurate information related to my credit report. The continued publication and dissimination of this inaccurate credit information is a manifest injustice. Next, I have been unable to " get verified '' by XXXX XXXX, XXXX or XXXX  in order to obtain a code to temporarily lift my credit freeze. TO  say I have been led down a primrose path in my multiple attempts is an understatement.
Product: Debt collection

I am getting calls from TSR saying I have a {$2.00} debt with XXXX that was incurred on XXXX/XXXX/2015. I started getting calls on XXXX/XXXX/2015. I called XXXX and I have no such debt. When I called them to tell them to stop calling, they want me to send them my bank account number and routing number and my social security number. They refer to a letter and reference number, neither of which I have ever received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX XXXX : {$34000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$42000.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$42000.00} ; XXXX XXXXXXXX Balance : {$33000.00}.