23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This complaint is regarding account XXXX XXXX, which you claim I opened a credit account on XX/XX/2013 for {$500.00}. This is a formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company.
Product: Credit card or prepaid card

I did a credit transaction with nfcu and I got denied but I still received the inquire so everyone got paid except me which is a violation and improper use of open ended credit plan
Product: Debt collection

On XX/XX/XXXX, I received a notification about a collection account on my credit reports. When I checked, there was a collection account on all three of my credit reports : XXXX, XXXX, and XXXX from " Credit Collection Services ''. They also go by the name " CCS Collections '' on my XXXX report. They claimed that the original creditor was XXXX, and it was for an auto insurance bill. When I called to ask them for proper validation of the debt, I was told that they would only provide information about which vehicles were insured and an invoice, but no copy of the original contract with XXXX and nothing with my signature on it. Even though I am not acknowledging that this debt is mine or accurate, I also asked for a " pay for deletion '', where I offered to pay Credit Collection Services, in return for them to delete this from all 3 of my reports, and they declined the offer. I again asked the representative for re-consideration of the matter because I am in the process of purchasing a home and the collection account is hurting my credit. The representative seemed rude and unconcerned and did not want to comply. I also checked the secretary of state website in Tennessee, and I did not see their collection company on the website. When I called and asked for their control number in order to be sure to find them, the representative told me that they did not have this information, but instead gave me a 2-digit license number ( XXXX ). It is my understanding that any company that attempts to conduct business in the state of TN must be registered with the secretary of state. Since " Credit Collection Services '' or " CCS Collections '' is not in the database, I am sure that they are in violation of some type of law and should not even be attempting to collect any debt in TN.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of a data breach. My personal information has been compromised and used without my authorization, leading to the fraudulent accounts and inquiries listed below appearing on my credit report. I request that you block and delete these items from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Debt collection

Dear Sir/Madam XXXX/Viking , Subject : Complaint Regarding Lack of Communication and Payment Portal Issues I am writing to formally complain about the lack of communication and the issues I have experienced with your payment portal. Despite my repeated attempts to resolve this matter, I have been unable to make the necessary payments and have received no response to my inquiries.

I have contacted your office multiple times via email and have proof of these communications, yet I have received no response, just recently, on XX/XX/year>. Consequently, my account was wrongly sent to a collections agency called Viking and they have yet to contact me as well.

Below is a summary of the issues I have encountered : 1. **Lack of Communication** : Despite sending several emails to your office regarding payment issues, I have not received any replies or assistance.

2. **Payment Portal Issues** : I have experienced persistent problems with your payment portal, which has prevented me from making timely payments.

3. **Wrongful Collection Action** : Due to the aforementioned issues, my account was incorrectly referred to XXXX, a collections agency, which has not reached out to me either.

I have attached copies of the emails I sent to your office as evidence of my attempts to resolve this issue. I request immediate assistance to address these problems, rectify my account status, and ensure that no further incorrect collection actions are taken.

Given the severity of this matter and the impact on my credit, I am also forwarding this letter to the Consumer Financial Protection Bureau for their records and potential action.

I hope to receive a prompt response and resolution to this matter. Please contact me at your earliest convenience to discuss how we can resolve these issues.

Thank you for your attention to this matter.

Sincerely, XXXX XXXX
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  XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account NumberXXXX Account Name XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I now have XXXX loans being serviced by Educational Computer Systems Inc ( ECSI ) : XXXX for a Perkins from XXXX College ( undergraduate ) and XXXX for a Perkins from XXXX ( graduate ). When I obtained my initial statement for the XXXX loan, the URL provided led me to a different portal for entry to the servicer website in order to make a payment than the one I was accustomed to using for the XXXX loan. I followed through with the registration process nonetheless and made a payment for each of my loans one after the other. In each case I was only given one option for payment, which resulted in a {$1.00} processing fee. I had no way to decline the fee and make an alternate form of payment. I called the servicer after the fact to complain about this, noting that I had never paid a fee when entering to make a payment through the other website. I requested that I be credited {$3.00} ( $ 1.95x2 ) to reimburse me for the erroneous fees charged. I was told someone would get back to me ; nobody ever did. I called again on two different occasions and was told there was no resolution to my problem ; I was in fact offered no resolution. The fact that this company has multiple URLs that do n't appear to " speak '' to one another and that have different payment options, and the fact that they default to having borrowers directed to the site where fees are charged, is predatory. I maintain my request for a credit of {$3.00}. Unfortunately, I ca n't stop making payments in the meantime because I do n't want to hurt my credit.
Product: Vehicle loan or lease

For over 2 years now, attempts to access the website ( the only method of managing the account ) have been met with a completely broken interface that shows no information. I have made several calls to American Honda Finance over the last 2yrs and am assured they will look into the issue, but no resolution follows. 

I can not view my auto loan balances, update payment or contact information, or access other necessary information on my account. None of the links on the page work after logging in. I have tried 4 different web browsers on XXXX different operating systems across at least half a dozen devices to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

*Email from XXXX XXXX to XXXX on XXXX My name is XXXX XXXXXXXX , previous XXXX  customer Loan # XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX My Loan has been transferred to another servicer. 

I am writing to dispute the negative credit reported to the Credit Bureau on my account. Due to the Hurricane Harvey disaster, I was placed on a forebearance forgiveness plan with LoanCare and should not have reported negatively on my credit. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- *Email from XXXX to XXXX XXXX on XX/XX/XXXX* Dear Valued Customer, XXXX has generated a support ticket to help us track your inquiry. Your ticket code is XXXX Please use this code in any further communication. 

Please see attached document that states " Please be advised we have removed the delinquent reporting from your credit bureau report to reflect current, transferred XX/XX/XXXX '' XXXX Customer Support XXXX XXXX XXXX XXXX  XXXX, VA XXXX -- -- -- -- -- -- -- -- - I also submitted a dispute with XXXX on XX/XX/XXXX and received a decision from XXXX  on XX/XX/XXXX stating the following : " The company that reported the information has  certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. '' ****Please removed the delinquent reporting from my credit score as a result of the forbearance forgiveness from Hurricane Harvey Disaster for all months from XX/XX/XXXX to XX/XX/XXXXXXXX I also have an active dispute with Transunion.
Product: Credit card or prepaid card

Gentlemen, I would like to file a formal complaint against Discover XXXX. Upon my wifes passing on XX/XX/XXXX, I began the lengthy process of identifying her outstanding liabilities. Upon reviewing her statement from Discover, I noted the excessively high interest rate Discover was charging my wife on her card XXXX. The rate was 28.99 % which I believe is excessive, boarding on what I consider to be usurious. My wife XXXX was XXXX XXXX XXXX. XXXX as she had been a customer since XXXX, had a XXXX score of XXXX per their XX/XX/XXXX statement, had stable employment ( XXXX ) years and stable residence ( XXXX ) years I fail to see what characteristics placed her in such a high risk high rate population pool. 
My daughter, age XXXX also has a Discover card, her rate is XXXX  %. This speaks to the possibility of age discrimination in the determination of pricing. I understand the concept of varying rates based upon perceived risk, but in 38 years of commercial banking I have never seen a rate of XXXX %. I understand the concept of discretionary pricing having worked in banking for 38 years, but have never seen such disparity. 
I request you investigate this matter and specifically look at the following issues : XXXX ) Age discrimination in pricing that XXXX be overt or covert XXXX XXXX XXXX pricing strategies for both existing and new customers and whether said strategies are well supported by statistical data which clearly identifies credible risk factors XXXX ) Whether pricing strategies are applied universally and fairly to all clients rather than cherry picked I have reached out to the company on XX/XX/XXXX to request answers to these questions and was told I my concerns would be passed on to a higher authority. The name and title of said authority was not given. To date I have not received a return call although contact information was exchanged. 
General information you may need : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  last for digets of her social security number My name is XXXX XXXX. I can be reached at ( XXXX ) XXXX if further information is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX as identified by Portfolio Recovery Services, presents the original balance as {$4000.00} and current balance as {$3600.00}. A recent payment of {$150.00} is presented as paid on XX/XX/XXXX. 

I have no knowledge of this account or {$150.00} payment that was made. The payment history reflecta a " C '' without a corresponding {$150.00} payment as reflected being made XX/XX/XXXX. 

A dispute was filed and the account information updated XX/XX/XXXX. The aforementioned item being reported is scheduled for removal this year, XX/XX/XXXX. 

In my opinion, this fraudulent {$150.00} payment is an attempt to extend the statute of limitations and in direct violation of the FDCPA established in 1978.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am one of the potentially impacted persons from the Equifax security breach in XX/XX/XXXX/XX/XX/XXXX of 2017. Equifax compromised my report, and took over a month to notify ( though never notified me directly up to this point, and had to hear about the breach from a third party source ). The only restitution offered is credit-file monitoring and identity-theft protection that required me to enter the last six of my social and my last name on a website they setup ( potentially requiring me to further compromise my data in order to get access to the monitoring ).
Product: Debt collection

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX inquiries : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts, and I have no knowledge of their origin. Under USC 1681g, I am formally requesting their removal within 15 days. I have included relevant documents for your review and reference.
Product: Debt collection

I had a XXXX. We both thought I was still covered by insurance but discovered afterwards I was not. They billed me for approx {$700.00} for the total procedure and followup visits. I alerted them the insurance was not in effect so we negotiated the cost to around {$270.00} which I agreed to and paid by check. I even wrote " Paid in full '' on the check ... just in case. They made attempts about a year later to collect the old balance despite my paying the agreed negotiated price to the medical center. Now they have turn XXXX bill into XXXX separate bills. The {$270.00} I already paid then their re-calculated additional bills which did not arise until months after we had already negotiated the charges. The debt collector has now dinged my credit XXXX separate times for the XXXX incident which I already paid the agreed settlement amount. The woman, XXXX, at the medical center has lied because I believe their A/R people told her she should n't have negotiated with me ( just my 2 cents ) So I refused to be black mailed for additional money after negotiating the original cost. I have a copy of the cancelled check and an email from XXXX stating our " agreed negotiation would put my debt at {$0.00} ... she lied.
Product: Debt collection

Crown Asset Management , LLC and XXXX. XXXX XXXX XXXX. for amount of {$2300.00}. I had sent Crown Asset Management , LLC a debt validation on or about XX/XX/2017 who Crown Asset Management assigned or sold the debt to XXXX  XXXX XXXX XXXX, XXXX to collect the debt. The debt validation was sent to XXXX  XXXX XXXX XXXX XXXX , XXXX and they did not respond to my demand. Now Crown Asset Management , LLC assigned or sold the debt to XXXX. XXXX XXXX XXXX. and XXXX. XXXX XXXX XXXX. is now suing me. I have no knowledge of this debt.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

I am working XXXX XXXX  since XX/XX/XXXX to present. Today, XX/XX/XXXX at XXXX, I received a call from my place of employment which is the XXXX XXXX XXXX XXXX I was informed that Check n go has been calling several times repeated each day and claimed that they are a collections dept. I was given the contact phone number which is XXXX and they answered collections dept. I informed that I do not have a pending debt with them but I was a previous customer and informed of the situation. The person I spoke to by the name of XXXX informed me that I do not have a balance and that I would receive an email with a verification letter. At XXXX today, I received another email from work informing me that they have been calling 3-4 times a day! I will also seek legal advice!!
Product: Debt collection

Hello, I have tried several times to contact and dispute false debt on my credit report, I have submitted paper work and proof and it is still reporting on my credit which it extremely low because of this. There are XXXX midland collections, they are not mine, XXXX XXXX accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Can you please help me?
Product: Credit reporting or other personal consumer reports

I discovered based off Metro 2 compliance that all the company listed below was not in compliant with Metro 2 that was put in place to protect us as consumers.

Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}. 

Also i attached a notice that XXXX sent to me stating that these dispute didn't come from me but they did, and also i haven't heard a response from EquiFax and 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: Debt collection

Dear EXPERIAN, Re : Dispute of Inaccurate Information and Failure to Properly Investigate I am writing to express my disappointment and frustration with the investigation conducted by your agency regarding my dispute of inaccurate information on my credit report. This letter serves as a follow-up dispute and a formal complaint.

In 2024, I initially disputed the following item on my credit report : - XXXX XXXX  for the amount of XXXX In response, your agency stated that the disputed item ( s ) were verified as accurate. However, I strongly believe that this conclusion was reached without a thorough investigation, as the information provided by the furnisher is incorrect.

Furthermore, I request that you take the following steps : 1. Conduct a thorough re-investigation of the disputed item ( s ).

2. Provide me with a copy of the documentation used to verify the disputed information.

3. Remove or correct the inaccurate information on my credit report.

Failure to properly investigate consumer disputes is a violation of the Fair Credit Reporting Act ( FCRA ). I request that you take immediate action to correct this matter.

Please find the required documentation to support my dispute attached to this letter. I would appreciate it if you could look into this matter urgently and respond to me within 30 days. 

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

Unauthorized accounts linked to identity theft have appeared on my consumer report without my written authorization or signature. These fraudulent entries have caused severe emotional and financial harm, preventing crucial life goals like home ownership and proper family support. Despite my previous communications about this matter, these items continue to misrepresent my credit history and responsibilities.
Product: Credit card or prepaid card

They closed my secured card and told me To Reapply when I Do their system says u have Account which I dont they sent me a letter which doesnt make sense why cant I have another account if they told me to Reapply