23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 davs to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated If vour office fails to respond to this validation request within 30 davs from the date of vour receipt. all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately, Also I I have not supplied proof under the doctrine of estopper by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an UPDATE of the following erroneous information on my credit 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 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

Please be aware that I am the one writing this letter. There is no 3rd party involved. All information provided herein under the penalty of perjury is true and accurate to the best of ability and knowledge. I am asking that the credit reporting agencies XXXX, XXXX, and TRANSUNION conduct an investigation into inquiries that I believe to be incorrect on my credit report due to fraudulent activity or a data breach. I have heard of companies pulling peoples credit without permissible purpose. I will list the inquiries in need of investigation. I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? Please do as you are governed under the Fair Credit Reporting Act and do a complete investigation on the listed inquiries. Provide me with the results of your investigation within 30 days of receipt of this letter or remove the following unauthorized inquiries from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I learned about XXXX from a television advertisement and I was desperate for help after my partner XXXX XXXX   so applied for a loan online. Someone from XXXX then called me to sell me the loan. He told me how much the loan would be each month and that it might be hard for me to repay but that if I struggled with the payment I could call him back and that he would work with me to lower the payment. I started struggling with the payment right away, but when I called XXXX back to get help they refused to work with me. Now I have to choose between making rent and XXXX   payments and can't make ends meet. I was almost evicted as a result. I also don't know who I even have the loan with. I spoke with XXXX to get the loan and they are sending me payment notices and demands. But the contract they gave to me is with XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

I am writing to request the removal of a collection account from my credit report. I have not engaged in any transactions with this collection agency, nor have I authorized any collections to be made on my behalf. It is imperative that this account be removed promptly, as its presence on my credit report is negatively impacting my credit score. I respectfully request that you cease all collection activities associated with this account and promptly remove it from my credit report. Your cooperation in resolving this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't 100 % correct. Under U.S Code XXXX 1681e ( b ) ( b ) Accuracy of report. Improper use of my consumer report The Congress under the Fair Credit Reporting Act ( FCRA ). Please be advised this WRITTEN REQUEST and FINAL WARNING. The List of accounts below has violated! my federally protected consumer rights to privacy one! confidentiality under 15 USC 1681. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Block this information from my credit report, pursuant to section 605B & FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING
Product: Credit reporting, credit repair services, or other personal consumer reports

I have acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which XXXX and Transunion did not modify or remove anything. 

The date is not correct, last active is not correct on all three credit reports, date of late payment is not correct on three credit reports.

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how they have violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and writing in for the second time. I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX, title XXXX, XXXX Stat. XXXX XXXX XXXX ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA XXXX Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$5700.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$260.00}
Product: Money transfer, virtual currency, or money service

On XXXX/XXXX/XXXX, XXXX, I gave {$110.00} plus {$10.00} service fee to Western Union at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NV . I gave recipient 's and my full identification information on the form. Recipient 's information is exactly the same information on her XXXX identification card. After returning home, I called the recipient in the XXXX and gave her the tracking number to claim the money. She went to a local WU outlet in the XXXX with her cousin. She was given a claim form to fill out and smaller triplicate form to sign. She gave back them to the clerk then was told she ca n't receive the money because the information on her ID card did not match their information. She was advised to call me to make corrections. The discrepancy lies in the name sequence on the WU account compared to her ID card. I called WU and was told that they ca n't change the name ; I need to go back to XXXX XXXX WU to make corrections. Since the store was closed, I went back the next morning. The store was not able to open WU website and the XXXX XXXX clerk stated she could n't make changes. I called WU again and told them about the problem. WU then said the money was already paid to the recipient in the XXXX. I called the recipient ; she totally denied receiving any payment. The local WU outlet there said they returned the money to WU. I reported this to WU. They said that they will investigate.
Product: Mortgage

Dear The Consumer Financial Protection I have an issue that I have not received from Santander Bank for the overpayment which is XXXX $ on taxes from XXXX to XXXX. I need your guidance since every year Santander Bank has collected from me on the taxes more then they should have. I have a copy from the Town Hall in XXXX about how much the Bank has paid for me. From Santander bank there is a big difference in how much they collect the money then how much they pay to the Town Hall. I also have another copy of how much the Santander Bank has collected every year from me. Also I have another problem that I have not received back for my deposit on my house. When we had a closing in XX/XX/XXXX on my property XXXX XXXX XXXX XXXX XXXX XXXX, We had paid the deposit of XXXX. I have a copy from that closing. We were sure we would have received back an overpayment on taxes and the deposit on my house. When we paid full mortgage, but we were wrong. In XX/XX/XXXX we have paid the full mortgage and Santander Bank has never return our money back. From XXXX to this day I have sent many letter to Santander Bank asking for them to return my money back. The bank always sends me a new excuse to not respond to my letter. 



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

This is XXXX XXXX submitting yet another CFPB Complaint to request that the reported accounts on my Credit File be corrected and updated. The Credit Bureaus ' efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason I request that all of the attached inaccurate information listed in my credit file be removed immediately. 

XXXX XXXX XXXX Balance Owed : $ XXXX How many times do I have to tell you that the references for the late payment on this account is erroneous and misleading causing negative impact on my Credit File XXXX I previously requested for the investigation and correction of this account and yet you have done nothing. Let me remind you that you are obliged to investigate and update this account per consumers requests under the FCRA regulation. Once again, I am requesting that you take your time to THOROUGHLY investigate and CORRECT this account to report accurate information on my Credit Report. 

XXXX XXXX Balance Owed : {$0.00} XXXX is reporting a deleted account from the other Credit Bureaus. This account was already deleted and yet you are still reporting this Account! According to the Fair Credit Reporting Act, reporting of accounts and information must be accurate. I need this account deleted as soon as possible.
Product: Debt collection

I had an account with Autocheck which is owned by Experian. Autocheck is similar to XXXX, in that you can obtain backgrounds on automobiles by submitting the vehicle VIN. 
My wife sent them a letter on XX/XX/XXXX canceling our account. Which, Experian never did. They then told us, that by virtue of our contract, to cancel, we had to pay two months of fees at {$75.00} a month. I told them I did not remember signing any contract and to send me a copy of it. They sent me a copy of a contract that my son had signed in XXXX ( See Attachment ) when we had an Automobile Company, named XXXX XXXX That company ( XXXX XXXX ) has not been in business since XX/XX/XXXX. In any event I was paying a, garden variety, consumer rate with the account in question and not a corporate rate, which was much less money. 
Therefore, they are in error. There is NO contract with me personally. They refused to admit they had made a mistake, even after repeated phone calls and emails with a XXXX XXXX, of Experian, the last of which was XXXX. 
We heard nothing more until a few days ago. We received a letter from XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Texas XXXX demanding {$450.00}. " Which may adversely affect you credit history '' we are told by them, if not paid. Since Experian is a credit reporting entity we have no doubt that a company that size will not hesitate to ruin our credit, over a bill we do not owe.
Product: Credit reporting or other personal consumer reports

Investigation on dispute XXXX Took longer than the allowed 30 days and is still listed as ongoing. Please delete disputed accounts since the agency did not comply by verifying and updating listed accounts by the deadline as stated by the fair credit reporting act.
Product: Debt collection

The Credit Bureau is reporting inaccurate information on CLLCTIONSUSA. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that XXXX XXXX XXXX have placed an inquiry on my Equifax XXXX XXXX credit file dated XX/XX/2019. I spoke to XXXX XXXX XXXX the reps in XXXX CA office and was told that there would be no inquiry to my personal credit. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { {$1000.00} }, whichever is greater ; ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to get XXXX  XXXX XXXX to correct the current payment status on a loan transferred from them to XXXX XXXX. Their representative called to update me on the progress XX/XX/2019 and said they believe the payment status is being reported properly. I asked how a statement in plain english on my credit report saying I am currently past due on a loan closed 3 years ago could be accurate, and she asked me to fax any further documentation I had to her, and someone would look into it. I did that, but no one looked at it, or at least contacted me back. 

Evidently XXXX XXXX XXXX used that phone call as a successful completion of CFPB complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was a secure card when I lost my job, I advise the company to forfeited my deposit which equals the amount of the account, they have been reporting on Experian as a charge-off and late payment which is incorrect. Experian has refused to update this account. I contacted the furnished XXXX XXXXwhich has indicated that they fix the issue however, Experian has failed to fix
Product: Checking or savings account

On XX/XX/XXXX I received two emails from TDBank.com " welcoming '' me as to the opening of : 1. a TD Beyond Checking account ( XXXX ) and a TD Growth Money Market account ( XXXX ) and 2. a TD Convenience Checking account ( XXXX ). I called them immediately and was told by their agent ( XXXX ) that they would be reported and " flagged ''. Then on the next day ( XX/XX/XXXX ) I received another email from them reporting the two Debit Cards ( presumably one attached to each checking account ). I immediately called TD Bank and spoke with other agents ( 6 over 3 days ) -- each time I tried to get through to the Fraud Department I was required to give my SSAN to the agent ( s ) in order to progress to a solution. I called on XX/XX/XXXX at XXXX and finally got through to the Fraud Department . She ( XXXX XXXX said that the accounts were " flagged '' and I could not get anything in writing ( either USPS or email ) confirming that I had reported this problem to TD Bank or that they were actually closing any of these accounts. I asked to speak to a supervisor and finally got through to XXXX who would not give me any kind of trackable number or name that I had actually tried to close any accounts. She told me that I would have to get a police report and subpoena TD Bank in order to effect a resolution. Over the 3-day period, I was on hold or working with multiple TD Bank agents for over 5 hrs. I am sure that the person who went on-line and opened these accounts spent less time than I did in trying to get my name off of these accounts. I wrote a " snail mail '' letter to the CEO of TD Bank but I am sure that I will receive NO response.
Product: Debt collection

I started to received emails from Oliphant Financial about a debt of {$13000.00} plus from XXXX? I have never had any business with this company and some how they got my email address name and phone number and have been constantly sending messages about a debt, i also pulled my credit report and they added this account, from XXXX  and now 6 years have passed and the statue of limitations has passed from them to start to harassing me on a debt they have no right on
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraudulent information on my credit report. I have sent in information requested such as police report, id and social security number. Not all of the information has been removed and i dont know what else to do. It is fraudulent inquiries as well as accounts from companies, XXXXl XXXX and my personal credit union. I have been working with a special department at experian that us supposed to be handling the situation but is not doing a good job.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX '' IS INCORRECT ON MY CREDIT REPORT. ON XXXX IT WAS OPENED XX/XX/2023 ON XXXX IT WAS OPENED XX/XX/2023 ON EQUIFAX IT WAS OPENED ON XX/XX/2023 ALSO I DONT HAVE A CONTRACT STATING THAT I OWE ANY MONEY TO " XXXX XXXX XXXX XXXX XXXX ALSO " XXXX XXXX XXXX XXXX XXXX HAS MY NAME INNCORRECT ON MY CREDIT REPORT. 15USC 1681A4 : THERE IS A NEED TO INSURE THE CONSUMER REPORT AGENCIES EXCERCISE THEIR GREAT RESPONSIBILITIES FOR FAIRNESS & PARTIALITY AND RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY. 15USC 1681BA2 : SUBJECT TO SUBSECTION " G '' ANY CONSUMER AGENCY MAY FIRST CHECK THE CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER, AND QUOTIENT WITH WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. XXXX XXXX XXXX ALREADY DELETED THE COLLECTION FOLLOWING THE RULES, I JUST NEED EQUIFAX TO COMPLY. CAN YOU PLEASE DO A THOROUGH INVESTIGATION & DELETE THIS FALSE COLLECTION DUE TO THE COLLECTION & EVERYTHING ELSE BEING INNCORRECT. THANK YOU I REALLY APPRECIATE IT. XXXX XXXX
Product: Credit card or prepaid card

I ordered a subscription costing {$140.00} on XX/XX/21 using my Capital One credit card. The subscription came with a 14 day satisfaction and refund policy. I canceled the subscription via email on XX/XX/21 and have proof of email and screenshot to show the cancellation. 

When the company did not respond and did not refund the money, I filed a dispute with Capital One on XX/XX/21. 

On XX/XX/21, Capital One reinstated the charge even though I have all the proof of cancelling the subscription in a timely manner. Capital One never bothered to see any of the proof I have and have quietly reinstated the charge. They are promoting scammers like the one who scammed me by supporting their fraudulent charges. 

I need Capital One to immediately charge the merchant and refund the {$140.00} that has been fraudulently charged to my card.
Product: Credit reporting or other personal consumer reports

Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability. NONE of these inquiries belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to update the inaccurate information which another credit reporting agency found to be inaccurate and had already corrected. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and that another bureau has found to be inaccurate. You have 30 days to CORRECT the accounts listed below : XXXX XXXX XXXX XXXX Balance : {$4200.00}, XXXX  XXXX XXXX Balance : {$29000.00}
Product: Credit card or prepaid card

I tried to dispute charges on my Citi Card with a company called XXXX   XXXX XXXX. The charges on 2 of my Citi Cards totaled over 8,800.., but I paid XXXX XXXX in total over {$16000.00} for services that were never provided. That is the reason for this dispute : I did not receive the product and services as was described to me. 

Around the time of XX/XX/2015, several different companies approached me when I was starting and trying to make a successful online business. 

In that period, I was taken advantage of and defrauded for thousands of dollars by these companies who allegedly and falsely promised me great earning potential. I was led to believe I would greatly benefit by signing up with XXXX XXXX XXXX to market my website. In total I have paid them thousands of dollars to create a website that is worthless and non- functional. Instead I have been left with severe debt because of their false promises. 
It has been brought to my attention that these companies are con artist and the FTC is investigating companies such as these. PLEASE HELP ME GET MY MONEY REFUNDED AND HELP PUT A STOP TO THIS.