23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom This May Concern : Enhanced Recovery has placed a collection account on my credit report, as dated opened XX/XX/XXXX, original creditor - XXXX, Type - collection, first reported - XX/XX/XXXX, monthly payment - non reported, credit limit or original amount - {$1000.00}, high balance - not reported, recent balance - {$1000.00} as of XX/XX/XXXX, status - collection account {$1000.00} past due as of XX/XX/XXXX this account is scheduled to continue on record until XX/XX/XXXX, date of status - XX/XX/XXXX, payment history - collection as of XX/XX/XXXX, and account history - account balance {$1000.00}. I have no idea who Enhanced Recovery is, I never have had any contract obligations with them or XXXX, I have never received any notice, mail, phone contacts, or any method of contact from Enhanced Recovery or XXXX. Enhanced Recovery has validated Under the Fair Debt Collections Practices Act ( FDCPA ) Section 807 ( 8 ), in which failure to communicate debt, proof that I am indeed the party you are asking to pay this debt, validation of date debt originated, and proof that there is some contractual obligation which is binding on me to pay this debt. In addition any agreement between XXXX and Enhanced Recovery must be provided, documenting what grants Enhanced Recovery the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Penalties against XXXX XXXX XXXX XXXX. Enhanced Recovery has never provided supporting copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. In addition the validity and the validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt and Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the  third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State, in which Enhanced Recovery clearly has not. Please have account deleted from my credit reports ( XXXX, XXXX, XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late RemoveXXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX XXXX Account Dispute Reason Selected Edit Payment never late plus icon Add Another Item to Dispute
Product: Debt collection

The collection agency reported a False collection amount of {$930.00} to my account I assume for medical bills which is inaccurate I am XXXX XXXX military and I think they meant to send the information to my father who has my name also. Im a XXXX.
Product: Credit card

I deposited {$2000.00} dollars with XXXX on XXXX/XXXX/2015 My account manager never had me fill out a Form DCF ( Document Confirmation Form ) which is part of XXXX Complaince Departments Protocol. My money was never used for trading and on XXXX XXXX was sent to XXXX XXXX 's address in XXXX.. I received a phone call from XXXX a few weeks later from a XXXX XXXX, Senior Supervisor for XXXX. His phone number is XXXX XXXX XXXX XXXX. He told me my money was embezzled by XXXX XXXX and I should Contact my Bank Concerning this issue. My deposit was never used for trading and XXXX never told the Compliance Department about my Deposit. He concealed my money and the money of many of his other Clients taking over {$100000.00} and more. XXXX could not tell me how to get my money back, but did tell me I could dispute this transaction with my Bank. He could not give me more information because a Crime had been committed and this was reported to the XXXX XXXX Police Department. He refused to give me a case number for the Police Report Taken. Since my Money was never used for trading this was a breach in the XXXX contract I signed.. The DCF form was never filled out to show proof of my Deposit and XXXX concealed all of this from XXXX. I am sending you many documents and I hope someone at Bank of America reads them that has a Brain. I received conflicting comments from several customer Care agents in The Bank of America Dispute Department. The last woman I spoke to either did n't know how to read or did n't understand what a Contract was. The woman was XXXX or XXXX from her accent and was unable to answer any of my questions when she had the paperwork right in front of her. It was obvious she had not read the contract written by XXXX XXXX and only focused on the XXXX Contract for risks of losing money. My money was never used for trading and was embezzled by XXXX XXXX. There was a Crime committed and a breach in all of XXXX Contacts.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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.

Hippa Release was not provided by credit reporting agency nor debt collector.

Account status nor last activity date does not match across all 3 credit reporting agencies. I have rights to 100 % accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 16 CFR 313, I am to be mailed every 30 days an 'opt out " notice from each company that is reporting to the third party credit reporting bureaus XXXX XXXX, XXXX, Equifax, XXXX XXXX and any other third party vendors. I have not been provided with one " opt out '' notice. The credit bureaus are only allowed to report that I have an account. No transaction history-No Balance or Limits are to be reported. The only thing that can be reported is that I have an account.

Also pursuant to 31 USC 3123 all public debt is a government obligation and should be discharged dollar for dollar pursuant to HJR 192.

Pursuant to 15 USC Sec. 6801-6805 also states as a consumer I have a right to privacy and each company listing transaction history, balance or credit limit history is a direct violation of my privacy. To list anything other than having an account with a financial institution is a violation.

15 USC Sec. 1666 ( a ) -A creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. XXXX XXXX, XXXX XXXX XXXX.
Product: Student loan

Navient contacted me to help me lower my payments. They Charged me {$890.00} to be made in 2 equal payments. The first payment was scheduled for XX/XX/2019 and the second for XX/XX/2019. I went to the bank this morning to make the deposit and the check had already come in and had been returned. I can't get anyone to answer the phone and the bounced check cost me {$32.00}. 
Navient also told me that my payments would be $ 40- {$50.00} per month. When I got the approval from the Dept. of Education, the payments were set at $ XXXX- {$480.00}. I can't afford these payments and they Knew it. They took my money anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # USBK COURT XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Vehicle loan or lease

Request debt validation via letter and submitted affidavit and I have not received proper response to both letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXX ; account number : XXXX XXXX XXXX XXXX ; account number : XXXX ; XXXX ; account number : 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. 



1

5 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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Today, XX/XX/XXXX, I noticed errors on my credit report. As a consumer, I can request their immediate removal. Below are the relevant laws. 

I am disputing the incorrect addresses listed on my credit report. According to Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), these inaccuracies should be corrected.

Attached is documentation with my correct address information. Please update my credit report accordingly. 

Remove these names XXXXXXXX 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
Product: Credit card

Citibank did not credit all the transactions that were unauthorized. My aunt is not going to be able to pay off {$2300.00} on her balance because those transactions were not made by her or me and also she dont use my card anymore because she does not have money and only spent {$250.00} using that card. Also, they did not credit back the transaction from last year that I and my aunt have been complaining about. It was for XXXX XXXX with the amount of {$420.00} and {$190.00}. My aunt called them already to verify those transactions and they told and sent us the statement showing that my aunt paid those in cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX Acct # XXXX Has violated my rights 15 usc 1681 section 602 8 states, I have the right to privacy 15 use 1681 section 604 a section 2. 

A consumer reporting agency can not furnish any account without my written instructions. 

On XX/XX/22 debt of {$780.00} was placed on my experian and XXXX credit report by Account XXXX XXXX. I've never heard of this company or conducted business with this company before. I've also disputed this debt through Experian and XXXX as well.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX # 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I was denied credit by Wells Fargo. The letter was dated XX/XX/2024. They gave four reasons why I was denied. One reason was late payments in the las 24 months. This was inaccurate. Not enough revolving accounts. This is inaccurate also. I am being treated with disrespect.
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, you are required to remove any wrong accounts from my credit report. Please check the documents as some accounts are reported incorrectly, showing incorrect amounts and dates.
Product: Credit card

I purchased a tent from XXXX, but later returned it on XX/XX/2024. According to the merchant 's website, they received my returned item, but never issued a refund. I contacted Chase and disputed the purchase, and they reviewed my case on XX/XX/XXXX. However, on XX/XX/XXXX, they received information from the merchant and determined that my dispute was not valid. 

I contested this decision by uploading evidence on XX/XX/XXXX, but without requesting any further information, the system automatically sent me an email on XX/XX/2024 stating that the " transactions you disputed are valid. '' Confused by this outcome, I contacted customer service, but they were unable to explain why my dispute was rejected.
Product: Debt collection

I have an XXXX XXXX XXXX XXXX  managed through Comenity Bank. I've never been late with a payment and have enrolled in automatic payments direct from my checking account. The XX/XX/2023 payment was missed due to NSF 's since a lot of payments hit at once. I never received an email letting me know this happened. Instead I received XXXX calls in XXXX hours in one day from XXXX - XXXX during my weekly work meeting, XXXX days from when payment was due. All for {$51.00} When I had the chance to finally pick up, I told the rep how aggressive and overkill it was to call that many times. I went on line and made the {$51.00} payment. The phone continued to ring after that. For crying out loud! Really? 

Thank God for XXXX in XXXX programs. In with XXXX in XXXX and out with the old revolving debt card.
Product: Checking or savings account

I signed up this account following a promotional link for {$400.00} bonus on XX/XX/18. After meeting the requirements, they didn't issue the bonus on the date as promised in XXXX. I waited 4 more weeks then I contacted the bank on XX/XX/18 through Online chat. I was confirmed I'm qualified to get the bonus. A case has been opened by the representative to request the bonus to be issued to me. 

Here is the confirmation - " Your request has been submitted. Responses will be sent via your preferred method of communication. You will receive Citibank Online, email and fax responses within 2 business days and US Mail responses within 5-7 business days. If you have questions on this case please call Customer Service and refer to reference number XXXX. '' But I've never heard back from them. They didn't issue me the bonus at the first place as they've promised. I'm tired of reaching out and waiting. Here I am.
Product: Payday loan, title loan, personal loan, or advance loan

RE : APPLICATION NUMBER XXXX on XX/XX/XXXX I was denied credit by One Main Bank. I provided them security, 4 months of bank statements, social security card, drivers license, and XXXX pay stubs. My income was confirmed and I was conditionally approved. The closing was supposed to be on conducted XX/XX/XXXX. I arrived to the branch location in XXXX GA, the manager then stated she needed an extra hour. I called back and then the manager stated an adverse decision was made on my estate, they were unable to verify me. I provided extra information that was even required. Regardless of the reason, I have the right to credit. With holding my access to securities is securities fraud and One Main is violating Equal Credit Opportunity Act, and Consumer Credit Protection Act. Since you are denying me my credit please retract ALL my information from your data base. 15 US 1692 Scope Of Prohibition states in conjunction with 12 CFR 1002 states " It shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction. 73rd Congress volume 77 part1 states that notes, drafts, bill of exchanges are the new legal tender in the United States. Federal Reserve Act 16 pt. 2 & 4 describes how the banks use the application as the collateral security to fund the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted you on XX/XX/21 explaining that my identity has been stolen in complaint XXXX. I submitted documents but this request was not reviewed & it has been well over 30 days. Please delete the information listed on this identity theft report.
Product: Debt collection

Regarding Valentine and Kebartas - https : //valentineandkebartas.com/ : XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX - Continually calling. They are asking for a XXXX XXXX. I am not him, I do not know him, he is no friend or relative of mine. 

I have repeatedly told them this. They claim to " take me of their call list '' but the calls continue. 

I suspect this is a disgruntled customer who is using my phone number to stop the collection calls on his end. 

This seems to be a common complaint for this company if you do a simple XXXX search and look at the reviews.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I called PNC bank credit card services to have PNC remove a late charge. My credit card payment is always due on the XXXX of every month and I paid {$100.00} on XXXX XXXX to PNC through my financial institution online bill pay. PNC decided to post my payment on the XXXX, which cause a late fee of {$25.00}. PNC refused to remove the late charge because of a removal of a previous late charge in XXXX of XXXX. I escalated the issue to PNC escalation team because the supervisor from XXXX XXXX XXXX refused to remove it. XXXX advised me to send a letter about my issue and stated the late fee is valid even though I explained my bank took my {$100.00} on XXXX XXXX, but PNC decided to post my payment on the XXXX. I do not make late payments constantly and I did make my payment before the due date, yet PNC is refusing to remove a late charge that is not valid. This was the worst customer service experience and I have been with PNC for over 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Account XXXX Has Violated the FCRA sec 623 ( a ) ( 1 ) ( b ) the law clearly states and I quote Sec 623 ( a ) ( 1 ) ( B ) If a consumer notifies a furnisher that the consumer disputes the completeness or Accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing NOTICE OF DISPUTE The credit reporting agency violated my rights under 15 USC Code 1681i ( a ) ( 1 ) ( A ) I disputed this Twice for failure to put by law the the required Comments NOTICE OF DISPUTE on this account. they gave me, this information is accurate which in fact is inaccurate. I gave them two opportunities to Delete this account for being Inaccurate. to this day it has been ignored or disregarded I demand immediate removal of this account. 

Attached consumer reports screen shots to prove the failure of NOTICE OF DISPUTE is not on any consumer reports since disputing started on this account.. 
LISTED BELOW ARE THE DATES the CRA COMPLETED their so called investigation in case they pull a fast one and say I never Disputed the account Complaint ID XXXX against XXXX XXXX  XXXX XX/XX/2022 Complaint ID XXXX against Equifax Completion date XX/XX/2022 XXXX ID XXXX against XXXX XXXX  date XX/XX/2022
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor did not notify me 21 days before with a statement, so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this is clearly a billing error. The items below are reporting late on my consumer report and should all be updated to PAANL ( paid as agreed never late ) on my consumer report : 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. As a consumer, by law the account in this letter must be updated immediately because Ive been violated. Consumer laws 15 US Code 1681a, 15 U.S Code 1681s-2 Responsibility of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. You are also in violation of 15 US Code 1681a 2 ( A ) ( i ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. Please update my credit report to PAANL ( Paid as agreed never late ).
Product: Credit card or prepaid card

On XX/XX/XXXX I booked to go on a cruise through an agent, XXXX, with XXXX XXXX XXXX for {$4300.00}. When the XX/XX/XXXXstatement was received I paid the statement balance of {$4800.00} on XX/XX/XXXX, which of included the {$4300.00}. Since then I have had an ongoing struggle to explain to Chase, the card issuer, what happened next both in many telephone calls and in seven letters to date. Chase is charging the account interest and fees. I insist that my account was paid on XX/XX/XXXX in full. I have always in my entire life paid my credit card in full every month. I have also told Chase to close my account and I have destroyed the cards. I have not used the card since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Ive noticed several unfamiliar items on my credit report, and Im concerned that my identity may have been stolen since I didnt authorize these accounts. Ive raised this issue before, and Im now requesting the prompt removal of these accounts from my report. Their presence is causing me significant stress, as they do not accurately reflect my credit history or financial management. If we can not resolve this matter quickly, I am prepared to take legal action to protect my rights and find a resolution. These inaccuracies are major obstacles to my financial goals, such as purchasing a home and supporting my family. I hope we can address this issue soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15USC1681 section 602 states I have the right to privacy.

15usc1681604A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. 
Under 15usc1666B a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.