23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It Concern, I recently received a copy of my credit report ( XX/XX/2017 ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thanking you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TransUnion credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

Ally Financial {$6600.00} Opened XX/XX/2019 Your company is currently reporting a negative listing to the three major credit bureaus ( XXXX, XXXX XXXX, and XXXX ) regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate. 
The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing.

Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : Please verify this account belongs to me, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted.
Product: Credit reporting or other personal consumer reports

My Credit Report was XXXX from Credit Bureau agency.
Product: Bank account or service

I have XXXX accounts with TD Bank. Select savings and checking accounts. I requested to link both accounts with the savings with the highest amount. I also requested for overdraft protection so that when ever the checking went low, funds would be taking from the savings when I made purchases. The savings account always had over {$1000.00} in it. I have been unfairly charged overdrafts fees over {$1500.00}. My branch has refunded about {$600.00} and says I have to make a report to get the remainder of {$900.00}. From the corporate head office. Apparently TD BANK is known for that and have several people tell me they have similar issues. My concern is I always had funds in my savings account so I do n't understand why I will be charged overdraft fees whiles both savings and checking connected. Please help me get the refund of the remaining amount which is {$950.00}
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply fo upon further investigation. I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit report but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Credit card or prepaid card

My daughter gets benefits under my XXXX she gets her money put on a direct express card we did not use the card for several months. Somebody charged about {$2700.00} worth of merchandise and online merchants. When I contacted direct express I was told that they would put the funds back on my card within 24 hours and in that time will do an investigation. The funds was never credited to my daughters account. Call charges that were used on the credit card were in Florida and New Jersey. I have never been there or never been out of the state of California. I was sent out some form of papers I filled them out sent them back and a month later received a letter saying that there was no fraud on my account. When I called the fraud department of direct express I was told that the case was closed and there was no fraudulent activity. I asked to reopen the case they said no they said they would send me some papers on how they determined it was fraud the only thing they sent me back was the papers I filled out that I sent to them to open the fraud case.Ive tried many different resources as such as contacting the merchants they said I need to contact direct express Ive had no luck and Im out of resources I have all my paperwork all my letters all the work Ive done.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U S Code 1681 section 602a ( 4 ) states that consumers have the right to privacy. My rights as a consumer has been violated by the company list below. Republic Finance, LLC- Acct. # XXXX U S Code 1681c ( a ) ( 4 ) ( 5 ) states that except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) 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 Code 1681-2 ( B ) ( i ) the PERSON has been notified by consumer at the address specified by the PERSON for such notices that specific information is inaccurate. I have notified this company by disputing with them, CFPB,, and credit reporting agencies.15 U S Code 1681b ( a ) ( c ) ( 2 ) states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN instructions of the consumer to whom it relates. I never gave written instructions for this company to furnish anything on my consumer report.15 U S Code 1681a section 603 ( d ) ( 1 ) states the term " consumer report '' means any written, or, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establish the consumer 's eligibility ; ( 2 ) EXCLUSIONS ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This company has report damaging transactions or experiences that has affected my credit standing, credit worthiness, general reputation, and my mode of living. 15 U S Code 1692f ( i ) states that the collection of any amount ( including any interest, fee, charge or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. I never authorized any interest, fee, charge, or expense for this debt. The debt is charged off to profit and loss. I received a 1099-C form from the company.15 U S Code 1692e ( 2 ) ( A ) the false representation of ( A ) the character, amount, or legal status of any debt is a violation. The amount and legal status of this debt is inaccurate. My consumer report states that the account is listed as closed. It is still being reported as in collection with a balance of { {$13000.00} }, monthly payment of { {$470.00} }, and a payment history that is reporting transactions or experiences which is excluded under 15 U S Code 1681a ( 2 ) ( A ) ( i ).
Product: Payday loan, title loan, personal loan, or advance loan

Credit when used properly can be an important tool to ensure financial stability and to see on through difficult times. This was the purpose of me establishing a line of credit through XXXX via Synchrony Bank sometime in XXXX. I was approved for {$6000.00}, and since opening the account I have never been late with a payment, missed a payment, and the transaction history shows that I have paid off some purchases made with this line of credit. On or around XXXX of this year, Synchrony Bank decreased my available credit to {$4000.00}, which was just about the balance I had on the account. This decrease is harmful to me in several ways : 1 ) It unfairly decreases my credit score because of the change in available credit despite having never missed a payment, 2 ) It does not allow me to use the credit as I intended and build a better credit score in the future, and 3 ) it is harmful to the economy that utilizes credit as currency. 

This is not the first time Synchrony Bank has approved me for a line of credit and then decreased it as punishment for utilizing the tool they gave me. This is just my first complaint.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


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

I am writing to notify you that I am a victim of a data breach, and the following fraudulent accounts have been identified on my credit report. I request that these accounts be blocked and permanently deleted under the provisions of 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$370.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$600.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX - XXXX - XX/XX/XXXX - {$250.00} XXXX - XXXX - XX/XX/XXXX - {$190.00} BANKCRUPTCY - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XX/XX/XXXX Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Company has been harrasing me, and also re closed the account on my credit which its been closed since XXXX  effecting my credit.
Product: Mortgage

i used covid forbearance to postpone payments after i lost my job. freedom mortgage and i then verbally agreed over the phone to restart payments XX/XX/2022, in an XX/XX/XXXX phone call ( that they admit is recorded ). completely out of nowhere, freedom mortgage then foreclosed on me. 

they have also said i get 12 months of forbearance relief plus another 6 months from the VA, and all in all, those 18 months are not up until XX/XX/2022 yet they are foreclosing anyways. 

DEMAND THAT YOU LISTEN TO THE XX/XX/XXXX PHONE CALL THAT WASW 35 MINUTES LONG. YOU WILL HEAR IT THERE.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX - XXXX - XX/XX/XXXX - {$5800.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$880.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report was obtain without consent believed to be a identity theft. I am unable to resolve or dispute inquiries with the credit bureaus.
Product: Credit reporting or other personal consumer reports

I've noticed unfamiliar items on my credit report, suggesting potential identity theft as I haven't authorized these accounts. I've previously raised this concern, and now I urgently request the removal of these accounts from my report. Their presence is causing significant stress as they do not accurately reflect my financial history or management. Addressing this issue has been challenging, and if a resolution isn't reached, I'm prepared to seek legal recourse to safeguard my rights and resolve the matter. These inaccuracies are hindering my ability to achieve crucial financial milestones such as homeownership and providing for my family. I earnestly hope for a prompt resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX and XX/XX/XXXX, I contacted Equifax a major credit reporting agency requesting that they remove the credit freeze of XX/XX/XXXX from my credit file so I may attain credit in the near future. I have faxed all of the information the agency requested and the freeze is still on my credit file. I would greatly, appreciate it if your agency can help with resolving this matter.
Product: Credit card

On Friday, XX/XX/2023, there was a transaction for the amount of {$4900.00} that posted to my capital one account for XXXX XXXX XXXX XXXX. 
I filed a dispute with Capital one stating that this transaction was not made by me and they opened a dispute and temporarily credited my account. On XX/XX/2023 they re-debited my account for the same amount and did not provide an explanation. I am assuming that they are stating it was my charge since they re-debited my account. I filed a police report for this transaction ( attached below ) stating that this charge was made fraudulently on my account. Capital one needs to remove this charge permanently as I did not make this transaction as you can see in my statement on the police report.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX. This statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency can furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instructions of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! 

I am demanding removal of these listed accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Three companies made a hard inquiries on my credit report on XX/XX/2023. XXXX XXXX, XXXX XXXX XXXX XXXX and Regional Acceptance. The number that was listed for Regional was XXXX but their mailbox was not set up. The other two was not listed on the report.
Product: Checking or savings account

I had my phone and wallet stolen and numerous of my online account compromised, after going to a branch to withdraw money I learned my account had been wiped out via XXXX  deposits totaling XXXX. I filed a police report and a dispute with my bank on XX/XX/XXXX. The representative told me id have my money back in XXXX business days. I havent gotten a new card no credit or any contact regarding this matter.
Product: Debt collection

XXXX, XXXX XXXX XXXX is a 3rd party agency along with another agency EOS CCA a debt collector and is been sending me notices for a debt in the amount of {$1000.00} I have requested a contract with signature that I have account with XXXX XXXX XXXX AND EOS CCA DEBT COLLECTOR.. i have yet to receive contract with signature. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX EOS CCA XXXX XXXX XXXX XXXX MA XXXX
Product: Debt collection

This company is attempting to collect a debt for a college I have never attended. I have made several attempts to have this company provide a signed copy of an agreement with my signature on it. The only thing they have provided is a ledger that has my name on it and a balance due. I have never attended this college or done any type of business with this college. This debt company has caused me significant monetary damage as it is affecting my credit. This is bullying by a debt collector attempting to collect a debt from the wrong person.
Product: Bank account or service

On XXXX/XXXX/XXXX I received a deposit refund check # XXXX dated XXXX/XXXX/XXXX from XXXX XXXX XXXX XXXX XXXX in the amount of {$500.00} dollars. The next day on XXXX XXXX I have deposited this check via mobile app to my Bank Of America Account. After a while I noticed that this moneys were never deposited so I contacted Bank Of America customer service to search for this deposit. After lengthy phone calls I received a letter from Bank of America instructing me to bring the original check to the Bank Of America physical location ( branch ) to redeposit the original check as the mobile deposit could n't be researched. 
I re deposited this check on XXXX XXXX XXXX. 
On XXXX XXXX XXXX I received a letter from bank of America stating that Bank of America debited my account for the {$500.00} dollars and said that this check was already deposited via mobile app and negotiated at XXXX on XXXX/XXXX/XXXX. Please note that I deposited this check on mobile app in to B of A on XXXX/XXXX/XXXX PLEASE I never deposited this check to XXXX! I have NEVER owned an account there I never even heard of this bank. After B of A accused me of trying to deposit the check twice I was left with only few options. I contacted the check issuer XXXX XXXX XXXX but never received a response, then I went to the bank that issued the check XXXX XXXX and then I also went to the XXXX to see what happened to my check. Both banks stated that they cant research this check because I am not their customer. I asked XXXX to searched their data by my name and social security number to see if someone opened an account there and found no accounts in my name. 
The bottom line is that I deposited this check on my mobile app to my personal account in Bank of America the money never showed up and the check or the deposit cant be researched. 
I suspect a fraud or software issue because I only deposited this check to Bank Of America and they are claiming that I mobile deposited it in XXXX!
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth XXXX XXXXXX/XX/year> My correct Social Security XXXX My correct address is : XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My economic impact money issued by the US government were scheduled to pay me on XX/XX/XXXX. I was told that I will receive a debit card issued by the bank ( XXXX ). Until today my wife and I don't receive cards. 
I tried numerous times call the bank ( XXXX ) but always I was disconnected because I don't have a card number ( I don't have because I did not receive it ). There are two cards issued one for me second for my wife. Both debut card should have {$1400.00}