23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Re : Request for Debt Validation Account Number : XXXX Dear EASTERN ACCOUNT SYSTEM, I am writing to formally request validation of the debt you claim I owe, as provided under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, and the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2 ( a ).

It has come to my attention that you have reported an account to the credit agencies that appears on my XXXX report. I am disputing this debt as I believe there has been a violation of consumer protection laws. 
In accordance with 15 USC 1681b ( e ), I request the following : 1. The original signed contract : A copy of the original signed contract that verifies my agreement to the debt in question, including my wet signature.

2. Assignment of Debt : A clear documentation of the assignment of this debt from the original creditor to your agency.

3. Proof of proper reporting : Evidence that you are legally able to collect this debt.

Please be advised that under 15 USC 1692c, you are prohibited from communicating with me in any way until you have validated the debt as requested.

If I do not receive validation of this debt within 30 days, I require that you cease all collection efforts and remove any negative reporting regarding this matter from all credit reporting agencies, including XXXX, XXXX, and XXXX. 
Please send all correspondence regarding this matter to my address listed above. I look forward to your prompt response so we can resolve this matter swiftly.

Thank you for your attention to this serious issue.
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. 

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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish without my written instructions.

15 U.S.C. 1681 ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer reporting 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 or other personal consumer reports

I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report XXXX  months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XXXX XXXX XXXX {$220.00} Opened XX/XX/XXXX XXXX - XXXX XXXX - XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX {$3800.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$150000.00} **Inquiries** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, TRANSUNION, AND XXXX ARE REPORTING FRAUDULENT INFORMATION ON MY CREDIT RTEPORTS. ATTACHMENTS OF FTC REPORT AND OTHER DOCS. SHOWING THE FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Impossible to log into my credit report. Experian has permanently and irrevocably locked me out of logging into my own credit report because I mistakenly entered the wrong password three times. Experian offers no relief whatsoever and has no mechanism or process to allow me to log back in.
Product: Credit reporting or other personal consumer reports

" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing a lot of XXXX Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else Im dealing with right now. ''
Product: Credit reporting or other personal consumer reports

For months, there has been a consistent pattern of inaccurate reporting concerning these accounts! The following accounts continue to be reported incorrectly, including in the comments section. These account numbers are wrongly labeled as late payments, and it's incredibly frustrating that this inaccurate reporting persists. Following our compliance protocol, it's crucial that you swiftly remove these entries. Please understand that this isn't merely a correction but a demand for their complete removal. I have lodged disputes regarding this issue multiple times, and it is imperative that you eliminate these erroneous accounts.
Product: Credit reporting or other personal consumer reports

My loans were forgiven under XXXX in XX/XX/2023. Mohela still reports the full amount on my credit report though they report {$0.00} balance due, and XXXX also shows a {$0.00} balance. I tried disputing it through the credit bureaus but they have continued to report the full balance as outstanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was reported 30 days late XX/XX/2019 but account was paid. Creditor agreed to remove delinquent reporting with all credit bureaus but has yet to provide an update to TransUnion and XXXX. I would like the delinquent remark removed from my account and to reflect accurately on TransUnion and XXXX.
Product: Mortgage

Lower Va Rates has stood up to proper business practice, since XXXX 2015 with a approval stated after weeks of processing per LVR, I have signed contract documents with the present of my wife and notary. Yet, no closing up to now, XXXX 2015, I have back paid mortgage payments : XXXX, XXXX, XXXX. Still no results nor contract made until I call in a rage on status but a lot XXXX/run around stall actions from LVR. I am XXXX, XXXX veteran, unemployed and my spouse is unemployed with medical conditions. I have applied LVR before without any delays, but today there bad business practice that shouldbe dealt with HARD!!!!!!! Bills/credit are behind due the instructions given LVR and yet no results as when the two months and amount of mortgage payment???? Budget!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

u have 5 paid ahead on my cbt acccts that u are reporting as deliquent or mis reporting all and 3 i never head of and dont ahve accoutns with the n the issue of some cr one selling my acct and the company rsnv is fraud and theft i have paid and they ahve not paid and taken funds i will never pay them ever they need removed and investigated report the 30 years of my pervect credit not the 3 companys i dont ahve never heard of and that are fraud on my cbt b before i file lawsuit on experian for mis reporting u donot ahve my permission to share any of my info bexase u ahve XXXX  up my files and the othere ageXXXXnxys ahve it right thtas why i wont us exparian in my business of 30 eyars cc my attorneys Account Name IA FRAUD AND I I WIL NEVER PAY AOMWONW I SONBT KKNO OR USE THEY ARE NEVER BEING PAID AGAIN LXXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX.

Open DateXX/XX/2018 Balance {$1100.00} Debt {$1100.00} Contact Information XXXX XXXX XXXX XXXX SC XXXX, ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have requested over and over how and why numerous disputed items are NOT being investigated as opened through a data breach. I have provided numerous items for the companies and XXXX, Experian and XXXX continue to report information inaccurately, constantly saying its not their job to look deeper into my disputes. They accept information from companies, where its been validated that computer generated investigations took place, even after I asked them to look deeper. Experian, XXXX and XXXX are violating 15 USC 1681 b ( 2 ) and they know it.
Product: Student loan

I tried on a number of occasions to get help to repay my loans and they continued to redirect me, or say there was no way because I XXXX. Most XXXX get paid less money and still serve low income XXXX. I am XXXX and have so many students loans it is overwhelming. It has made me feel like I need to leave XXXX all together.
Product: Credit reporting or other personal consumer reports

I was shocked to see inaccurate accounts appear on my credit report this morning, and I cant figure out why. I check my credit report regularly, but this time, there were unexpected errors that Ive never seen before. I even tried refreshing the browser, hoping it was just a technical glitch, but the inaccuracies didnt go away. Because of this, Im urgently requesting that the documents Ive provided be reviewed carefully so I can stop living with this constant worry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to delete a negative XXXX XXXX XXXX account that is too old to report. Experian has date of first delinquency incorrect and will not correct.
Product: Checking or savings account

On XX/XX/2020, at around XXXX-hours Eastern, I attempted to sign-up for an XXXX account. A part of this process was linking my PNC Bank account. The effort failed, with XXXX stating that " PNC has made a change that prevents you from being able to link your accounts ''. No call from Fraud Protection. Other than an automated email saying that received the request, no communication at all. This is my account, I provided valid credentials for XXXX to access it. It's not up to PNC to decide if I can, or can not, access my account.
Product: Credit reporting or other personal consumer reports

Dear, Equifax Re : Victim of identity theft To whom it may concern these inquires in my credit file or report are from unauthorized use of my social security number and card. i did not authorize these inquires to be taken out in my name nor they relate to anything i did. im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2. This letter was not sent in error or a misrepresentation. Your company must follow the proper procedures to make sure this get deleted in the time frame it state. 
1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
Sincerely yours, XXXX XXXX Enclosures : Proof of identity, FTC identity theft report
Product: Debt collection

I asked for times and dates of an account being open. I also asked for other information to be given to me because I dont have a account through them I asked several times.
Product: Checking or savings account

XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 from XXXX XXXX XXXX. already put dispute case with Bank of America and email and called merchant before even working with thr bank for dispute chargeback might get reversed. Already have a repayment plan agreemrnt directly with XXXX my student loan server with Department of Education. Was told to notify my bank of scam activity. Which I did open dispute claim.
Product: Credit card or prepaid card

I have a comenity Ulta card XXXX. 
XXXX In XXXX of 2022 I made XXXX payments totalling {$700.00}. 
Ulta never received them. 
My bank proved they were sent. 
Then I get XXXX statements from Ulta. XXXX is MY OLD CLOSED acct with a {$700.00} CREDIT! 
XXXX We figured out where it went and next month I still got XXXX statements but now my old card had XXXX balance XXXX they cut me a check for {$350.00} and I had a {$350.00} payment applied to my current Ulta XXXX acct. 
NOW I hv a balance of {$380.00} And theyre charging me interest! 
STOP these late fees and interest! 
This acct needs to be CLOSED and that balance needs to be negated. 
This is almost a year of this not being resolved. 
THIS HAS TO BE HANDLED THROUGH THIS ADDRESS AS PER Ulta/Comenity COMENITY CAPITAL BANK Attn : Billing Dispute XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit card

The situation involves a notification from American Express dated XX/XX/year>, regarding a XXXX XXXX XXXX account ending in XXXX. The letter states that after a recent review, American Express decided to assign a Preset Spending Limit of {$5000.00} to the account. The reason provided for this decision was that the average of recent payments, relative to the balance on one or more XXXX XXXX accounts, was too low. 

As a result of this change, if the total outstanding balance plus any charges not yet posted exceeds the {$5000.00} limit, additional charges may be declined. This applies to all cardholders associated with the account. The letter also indicates that American Express may choose to approve charges exceeding the limit but requires payment for those charges regardless.

The notice advises contacting American Express for further information or to request a review of the decision, which can be done until XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report full of inconsistencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 


In accordance with the Credit Reporting act XXXX 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. 

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 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: Money transfer, virtual currency, or money service

I am writing to formally express concerns regarding XXXX handling of disputes. Despite using Zelle numerous times and recording discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.
Product: Credit card or prepaid card

XX/XX/XXXX American Express closed my account without warning while under dispute due to the result of a severe case of identity theft I suffered and which had been reported. I provided American Express with a lengthy document outlining their adverse actions which were based on fraudulent information. I never received a reply to this certified document submitted on XX/XX/XXXX. The reasons given for account closure by American Express were due to my suddenly decreased credit score which was due to fraudulent information being reported by XXXX in response to credit card fraud.

After my accounts were closed, I received correspondence from American Express as well as verbal acknowledgment on several recorded phone conversations that my rewards points would be cashed out and applied to my remaining balance as long as the account was current. I consistently made payments to equal to the balance minus the disputed billing errors which should not have been held responsible for. Despite the account being held current the rewards points were never applied to the balance. Additionally, American Express closed out the billing errors being disputed stating I failed to provide the requested documentation. This statement, however, was inaccurate as I provided all the requested documentation when initially filing the dispute. These documents, despite being uploaded directly through the American express portal seem to have been consistently lost by the billing dispute agents working the case.

The balance on my Amex platinum card has been paid in full and never past due or delinquent with the exception of the amount in dispute. I even paid the balance which should have been removed by the redemption of my rewards points.

To summarize, American Express has taken adverse action based on fraudulent information resulting from reported and documented identity theft which has almost all been corrected. They were notified of the identity theft via certified letter which was never responded to and even closed an account in dispute in violation of consumer protection laws.
Product: Mortgage

This complaint is filed against Chase Home Mortgage. As stated in the previous complaint against XXXX XXXX XXXX XXXXXXXX ), a payment was made to Chase Home Mortgage using an online bill pay application from XXXX XXXXXXXX on XX/XX/XXXX in the amount of {$330.00}. The payment was intended for a different entity of Chase ( Chase Amazon CC ). I acknowledge that I selected the wrong Chase entity, but that does not mean any money was owed to Chase Home Mortgage and it should be returned. We used to have an account with Chase Home Mortgage some time ago, but the mortgage was paid in full/closed and no further funds were due to them. I have contacted Chase Home Mortgage several times seeking return of funds and they have claimed over and over that it is not their policy to accept payment on a closed/paid in full mortgage. It seems both banking entities involved here claim the other is responsible for resolving this issue and both claim they no longer have the funds. XXXX XXXX can provide no proof that money was in fact transferred to Chase and Chase claims they would not accept it if were. There is {$330.00} that seems lost within the banking system and I as the consumer is the one not getting help from either bank. XXXX XXXX claims Chase has the money and should be the entity that returns it to us. On a recent phone call on XX/XX/XXXX I spoke with XXXX at Chase who claimed they were still looking in to it yet I hear nothing unless I spend time on the phone trying to resolve this issue. The {$330.00} is somewhere, there should be a trail of when it was sent and what happened to it, yet here we are.
Product: Credit card or prepaid card

Netspend Visa prepaid card ( XXXX ) was never activated, after speaking with a Netspend representative I was informed that Netspend would not activate said Visa prepaid card. This refusal to activate the Netspend Visa prepaid card was not clear of the exact reason ( s ). So, at which time, I demanded that Netspend return all funds immediately since Netspend refuses to activate the said card. I've spent {$100.00} ( load ) + XXXX ( purchase price ) = XXXX. At this point, Netspend has carryon as gangers on this refund, that is to say, it has been hard to get a representative over the phone ( to get status of my refund ) and I have yet to receive my fund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 closed charge off accounts that are passed the Florida statute of limits for revolving accounts. I have disputed them with the 3 credit agencies in XX/XX/XXXX. These accounts started being reported again on my credit report in XXXX of XXXX. The accounts were all charged off in XX/XX/XXXX. I went through a divorce and lost my home. I have written the collectors and ask for these accounts to be removed and they are still reporting as of XX/XX/XXXX. I have been negatively impacted by Covid-19 and have had to self quarantine 2 times besides the national emergency shut down. I have lost pay. The 4th company is reporting the account as open when it was charged off on XX/XX/XXXX. They wrote me back still trying to collect and stating they would not report or sue me. But they have reported as of XXXX. the companies are : Bank of America XXXX. XXXX   XXXX XXXX TX, XXXX CO XX/XX/XXXX. 
XXXX XXXX XXXX. XXXX  XXXX XXXX OH, XXXX CO XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX NY, XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX SC XXXX
Product: Money transfer, virtual currency, or money service

My phone was stolen XX/XX/XXXX of this year, 2024. After stealing my phone said individual took out {$1500.00} from my cash app and sent the money to there own account. I reported the crime to the police and do have a police report number. I made a dispute with cash app over said {$1500.00} and the said they would investigate, days later I get an email stating I authorized said money transfer when I in fact did not. This inturn has left me in a financial bind, made the paying of various bills and things hard, and with all my miniscule savings being cleaned and drained by the thief, I am highly disappointed, upset with cash app, and I would like to know what happened to the FDIC? If this is the best protection given by a bank or best insurance you have of your money, I refuse to ever use cash app or there services again. I want compensation for my money stolen and unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive a cancellation on debt on XX/XX/XXXX, for account # XXXX, meanwhile XXXX is still reporting and colleting on this card, when by law they can not, they cancel the debt since it was froud. I contact the recovery department who is XXXX internal recovery on XX/XX/XXXX i spoke to someone by the name of XXXX ID # XXXX who told me i owed the money and it would be reporting on my credit until i paid it. I explained that i pay taxes for that debt, i asked to speck to supervisor or mananager, she told me that Managers or supervisors dont speak with Debtors.