23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a alleged debt letter from Caine & Weiner on XXXX XXXX, I responded to the letter on XX/XX/year>, Caine & Weiner was sent a letter which is attached with the tracking number, Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.

Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Best Regards, Please attach copies of the following : Agreement with your client that grants XXXX XXXX XXXX the authority to collect this alleged debt Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. 
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

All statements while this account was open.

Have any insurance claims been made by any creditor regarding this account? Yes No Have any judgements been obtained by any creditor regarding this account? Yes No Please provide the name and address of the bonding agent for Company, in case legal action becomes necessary :
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On XXXX I had received a 30 Day Late Payment, due to unemployment. I have a job now that was better than my previous job and I get paid more. I came to an agreement with Wells Fargo when I spoke to one of their representatives that they are willing to remove my 30 Day Late Payment on my credit report for all 3 bureaus. XXXX already got this remark removed off my credit report. We just need XXXX and XXXX to remove the 30 day late payment off my credit report.
Product: Credit reporting or other personal consumer reports

Transunion states my credit report is not available. Have called and been on hold for hours and still no one helps me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Student loan

I have been in the XXXX plan for nearly XXXX yrs. I was told after XXXX XXXX in the plan loans would be forgiven. I also have XXXX qualifying payments in the XXXX PLAN and they arent counting them all.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised between XX/XX/XXXXand XX/XX/XXXX. During this time several inquiries were made on my XXXX report. I demand that these items be removed immediately. 
XXXX XXXX XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

This company has violated my right to privacy, provided my private, nonpublic personal information to third parties, never conspicuously disclosed to me the consumer that my information would be shared, never conspicuously disclosed to me that i have the right and ability to opt out, never got permissible purpose nor my written or expressed instruction to furnish my consumer report in the first place. 
These are violations of 15 USC 1681 : Your company failed to obtain my permissible purpose or written instruction before furnishing my consumer report.

15 USC 6802-6805 : You violated my right to privacy by providing my non-public personal information to third parties without my conspicuous disclosure and opportunity to opt-out.

16 CFR 313 : You failed to conspicuously disclose to me that my information would be shared with third parties.

12 CFR 1016.7 : You failed to inform me of my right to opt-out of such information sharing.

The Privacy Act of 1974 : Disclosing my personal information without my consent.

This has caused so much damage and difficulty on my consumer report, financial reputation, my mental/emotional well being, my privacy, my family 's privacy safety and well being.

Per the fcra, and the above laws, as a federally protected consumer, i am now opting out of any and all authorization i the consumer, may have given you, written, unwritten, verbal, nonverbal, or otherwise communicated.
Product: Credit card or prepaid card

I have been a cardholder of Elan 's XXXX branded card for several years. I was hours late ( as in close to midnight on the due date, meaning the payment would credit the next day ) making my monthly payment. I paid over the minimum and immediately messaged customer service, apologized for my oversight, and requested to have the fee reversed. 

I received a note back from customer service that they had reviewed my account, declined the fee reversal, and they recommended I enroll in autopay to avoid this happening again. 

It is incredibly demeaning and condescending to copy-and-paste a paragraph about autopay to a customer. I had never been late making a payment in years with the card. I messaged back and said " If you do not remove this fee, I will close my account. '' Without my consent, my account was closed! While reviewing the details, I noticed that Elan had raised my interest rate without informing me, maintained the late fee, and by closing my account, prevented me from accruing or redeeming XXXX rewards points ( Elan requires their redemption in XXXX increments ).
Product: Credit card or prepaid card

I purchased XXXX XXXX running shoes on XX/XX/2020 for an ultramarathon race. Testing shoes requires running many miles in them to see if your feet adjust to it. After trying the shoes on several outdoor trails, I developed pain after running 15mi in them, so I tried taking back to the running store, but they can not take it back because they've been worn. 

So I attempted to use Return Protection Benefit on my Chase Sapphire Reserve card. My claim was denied because they said this benefit was not on my account at the time of purchase ( XX/XX/2020 ). 

I dispute this because I've had this card for a while and I have not received any notice saying that this benefit was going away. 

I paid {$100.00} plus tax for these shoes, and I wish to use the Return Protection Benefit.
Product: Credit card or prepaid card

On XX/XX/2019 a fraudulent account was opened in my name at XXXX XXXX at XXXX XXXX mall in XXXX, AZ. TD Bank is the Financing Bank for their credit cards. This account was made known to me from my credit report I ran because there were numerous other accounts opened in my name in person between XX/XX/XXXX and XX/XX/XXXX. On this date, the thief actually came in the store the day prior to make purchases but had to return the next day because they came in the store too late and the banks would be closed to issue them a line of credit. The next day, they returned to make two purchases- one for {$2400.00} and another for {$3200.00}. My detective with the XXXX Police Department, XXXX XXXX, ( Case # XXXX ) was able to speak with the merchant and the holiday hired clerk stated they thought the customer was odd because they read their info for the credit line off of their phone, they spoke with the bank, and they approved the credit, so their hands were tied. When I found out about this account, I spoke with XXXX XXXX and they gave me a case # XXXX and TD Bank. They were very cooperative and actually were one of the few that gave me important details about the transaction that I was able to relay to the police department. After speaking with them extensively, I was told that I would continue to receive statements but to ignore them because I would not be held responsible for the payments. After continuing to receive them, I called TD bank last week and could not get through to anyone. I called back today and I was on the phone for 7 hours and 16 minutes, holding the majority of the time or being transferred to different departments. At times I was told that XXXX did not respond to my dispute in a timely manner so it was " timed out '' and I would need to start the process over. After talking to another person I was told that XXXX responded to the dispute that it was " legitimate because proof of receipt and purchase was shown '' so it was denied as fraud. This seems strange to me since I have a case # with XXXX and a Police court case # and also my Detective, XXXX XXXX, has spoken with them and also has video surveillance footage from this store of the thief. After being on the phone with TD Bank for 7 hours and 16 minutes today, talking with the " front office supervisor '' I was told she was the highest up person i could speak with, and my only options were to send in my concerns in writing to them and/or dispute it with the credit bureaus as fraud, since my case was considered " resolved ''. After having all other fraudulent accounts closed and wiped from credit and everything, this is the only account I continue to have issues with with not an acceptable resolution.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent my cryptocurrency from my personal account to another wallet and those cryptos got stolen. Please refer to the attached letter for further details.
Product: Debt collection

I checked my credit report and noticed that the following account is inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. Here are the listed details of the account with discrepancy : XXXX XXXXXXXX XXXX  / {$160.00} / XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX
Product: Credit card

Bank of america is still reporting the wrong amount owed to credit reports. 
please fix this issue, or I will have to open a lawsuit against this.
Product: Debt collection

I Received a notice form a lawyer XXXX XXXX XXXXXXXX law office on XX/XX/2018XXXX which was from XXXX XXXX I written back saying to whom this is what debt this is and answer my questions according to the Fair Debt Protection act, I never received any correspondence from XXXX XXXX On XX/XX/XXXX my funds were taken from my Bank at XXXX XXXX XXXX XXXX XXXX Thinking this was a fraud, my bank told me my money was taken from XXXX XXXX which I believe this is a fraud, I have no knowledge of any judgements or anything on my credit report regarding XXXX or had any accounts from XXXX I recently checked my credit report there is no record or anything on this XXXX XXXX is at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX XXXX Therefore I am filing this complaint to get my money returned to me. I can be reached at XXXX thank you XXXX XXXX
Product: Debt collection

Since XXXX, 2022 I have sent to MIDLAND CREDIT MANAGEMENT, a request to validate account # XXXX and show me proof of ownership. They have failed all this time to send the required documentation to prove that this account is mine. As per the DFCPA, MIDLAND CREDIT MANAGEMENT must prove that this acct is mine showing any existing contract or application signed by me with my social security number.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following itemsXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$93.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX** Balance : {$210.00}
Product: Debt collection

They keep harrasing me at work, going XXXX to XXXX times a day, when they see im really busy with my customers. 
They will disclose my personal information in front of my customers and also blow up my phone at work. 
I already told them that i am going through a tough situation, i will pay once i settle down. Right now i have no money and my debt is only like XXXX dollarsThey threatened to call my supervisor from corporate and disclose my personal information with them. 
I have called the cops on them, so they can stop going to my job
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is running me around and around in loops, knowing full well that I have the supporting document needed to correct my Credit Report. NAVIENT, my student loan servicers issued me an In-school deferment effective XX/XX/XXXX through XX/XX/XXXX, as I am back in school. I sent the In-school deferent along with my account statement showing the correct loan and the deferment showing XX/XX/XXXX through XX/XX/XXXX. My XXXX Report currently shows I am 90 days for XX/XX/XXXX and 90 days late for XX/XX/XXXX, which absolutely decimated my credit score, which they refuse to correct even though they have the proper documentation and I submitted a proper dispute. I am being taken around the garden path and can get no assistance from XXXX. Please assist me!
Product: Credit card

My case was not resolved I have a XXXX XXXX of XXXX my interest rate is 28 % and there is nothing I can do about it, I pay my bill on time and more than the minimum amount most of the time double. I also was told XXXX is not that good, really!!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Looking to get all inquiries from XXXXequifax to be removed they were not authorized by me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act has violated my rights. XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX  XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX CARD SERVICES Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARDClosed on XX/XX/XXXX, XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX, XXXX LT Closed on XXXX XXXX, XXXX, XXXX Closed on XXXX XXXX, XXXX XXXX XXXX  / XXXX Closed on XXXX XXXX, XXXX Bankruptcy XXXX Bankruptcy XXXX 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: Debt collection

I received a collection back In XX/XX/2017 in the amount of XXXX and it has damaged my credit because it reports negatively on my credit as a unpaid collection.
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 XXXX 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 XXXX 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 XXXX 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 ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) 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. 

Here is the list of following items which are UNKNOWN to me : BANK OF AMERICA XXXX Balance : {$8900.00}, BANK OF AMERICA XXXX Balance : {$3100.00}
Product: Credit card or prepaid card

DID SOME ONLINE SHOPPING ON A FRIENDS COMPUTER THAT GOT HACKED.