23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Re : Dispute and Demand for Debt Validation Under the FDCPA Account No. : XXXX / XXXX  : XXXX Dear Sir or Madam, I am writing to formally dispute and demand immediate validation of the alleged debt referenced above. I categorically state that I did not apply for or authorize the opening of any credit card account with your institution. I suspect that this account may be the result of identity theft or a clerical error. Under the Fair Debt Collection Practices Act ( FDCPA ), I demand that you provide full and verifiable documentation establishing this debt and linking it to me. 

Account Information for Your Reference : - Account Name : XXXX XXXX - Account Number : XXXX - Account Type : Revolving Credit ( Credit Card ) - Date Opened : XX/XX/XXXX - Status : Closed Charge-off ( Status updated XX/XX/XXXX ) - Current Balance : {$9000.00} ( Balance updated XX/XX/XXXX ) - Credit Limit : {$3500.00} - Last Payment Date : XX/XX/XXXX - Past Due Amount : {$5500.00} - Highest Balance : {$0.00} - Responsibility : Individual Account Pursuant to the FDCPA, I hereby demand that you provide the following documentation without delay : XXXX. Proof of Authorization : Provide copies of any application, agreement, or other documentation that purports to show that I applied for or authorized the opening of this credit card account. 

XXXX. Chain of Assignment and Title : Furnish a complete record detailing the chain of title and any assignment linking this account to me, including evidence establishing your legal standing to collect on this alleged debt. 

XXXX. XXXX of XXXX XXXX : XXXX detailed account statements that verify how the current balance of {$9000.00} was determined, including an itemized breakdown of all fees, charges, or interest applied. 

XXXX. Explanation Regarding the XXXX : As the account has been charged off, if the debt has been canceled or forgiven, I should have received a Form XXXX. Please explain why I have not received this form if the debt was indeed canceled. 

If you fail to provide the requested documentation within XXXX  days of your receipt of this letter, you must immediately cease all collection activities and remove any negative information regarding this alleged debt from my credit files. I reserve all rights under federal law to pursue all available legal remedies, including filing formal complaints with the Federal Trade Commission, Consumer Financial Protection Bureau, and other applicable regulatory agencies. 

All future communications regarding this matter must be in writing and sent to the address provided above. 

Thank you for your prompt attention to this serious matter. I expect your full response within XXXX  days of receipt of this letter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX. XXXX  One Main financial withdrew {$640.00} from my bank account. Company then attempted to withdrawal {$640.00} 6 more times that day. Company tried again on XX/XX/year>. The money returned to my account, now showes same day but it was not the same day. My bank and I blocked the merchant. Contact with the company and they never informed me that I had supposedly signed a modification on XXXX XXXX. They started Repossession process, I spoke with someone there who informed me that a note in my records stated I came into the branch and signed for a modification and debit withdrawal. This was not even possible I was not in that area and haven't been in that area in over 3 months. I asked the person I spoke with that a investigation needs to be done. The following week someone from the corporate office contacted me and said the same thing and said the signature is similar to my drivers license. I asked for a copy of the document. I was told that I couldn't have it until in house investigation was complete. I was not anywhere near that office and most definitely did not sign any documents. The fact that the branch never told me this and now that the corporate office will not give me a copy of the document makes me concerned for my entire loan and what is all being falsified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my car repossessed during the pandemic because I could not pay it. XXXX, the original creditor, listed the repossession in my credit report as a charged-off account. Eventually they sold the account to a collection agency called XXXX XXXX XXXX, who started listing the account in my credit report as a collection. For the last five months, both XXXX and XXXX have been reporting the same account. Reporting duplicate accounts in the credit report is a violation of the FCRA. I have written to the credit bureaus ( XXXX, XXXX, and Experian ) as well to as XXXX to delete the duplicate account and they have all ignored my requests and are still reporting the duplicate account in violation of the FCRA. 
The attached documents show dates of when I have written letters to the CRAs and XXXX asking them to remove the account. I am also including the credit report I pulled today that shows the duplicate account still being reported by both XXXX and XXXX.
Product: Credit card or prepaid card

We made 2 / {$1000.00} payments to our Citi Simplicity Credit Card. 
We have documentation of the payments / they were deducted from a prepaid XXXX XXXX debit card on XX/XX/XXXX and XX/XX/XXXX. 
However Citi has claimed that the payments were received then withdrawn back to the card. This is not an option for this prepaid debt card. Also the transactions show full payment made, received, and withdrawn from XXXX. We have spent months being asked for statements and proof of payments made, which we have sent multiple. We have tried to do everything they ask us as well as continue to pay monthly even while in dispute. It appears as though they keep changing the monthly rate giving us insane interest fees different each month even though the balance shows little to no decrease because of the interest rate they are charging us on the closed card. 
We have sent them direct paperwork from XXXX XXXX, as well XXXX XXXX Representatives contacted them directly. 
All of the XXXX XXXX transaction papers that I have sent them copies of show proof of payment, And absolutely no returned payments. We have never made a late payment with this company and before this debacle we have paid well over the amount due. And they still decided to shut the card off. Please help, we are at wits end.
Product: Money transfer, virtual currency, or money service

During the month of XXXX, a transaction of {$390.00} took place on my account that was not authorized by me. I became aware of this transaction and submitted a claim in late XXXX. I received a response that my claim was denied in XXXX. I contacted the claim department again stating that this transaction was not authorized, and did n't receive a response. I decided to escalate the issue, and eventually sent an email to the CEO directly. The same day, I finally got a response. I was told they feel I am responsible because they believe the transaction was secure. Regardless of whether it was secure or not, it was unauthorized, and therefore this is not an acceptable answer for me. They are now in violation of the contract I agreed to when opening the account, that states I am not liable for unauthorized transactions. I refuse to pay for this, as I did not approve it.
Product: Money transfer, virtual currency, or money service

The company in question Crypto.com has allowed me to deposit funds and use funds within their application but now refuses to let me withdraw my own funds all the while keeping me in the dark about what they're doing. It's been over two weeks since my withdrawals were restricted and customer service representatives for Crypto.com refuse to answer when I'll be able to withdraw my funds. The amount in question is over {$1200.00} USD.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I started a review for a modification with Caliber on XXXX/XXXX/2015. I was still in review for the modification on XXXX/XXXX/2015 with all documents that had been requested submitted to them and nothing additional was needed. My authorized XXXX party was informed by an agent at Caliber named XXXX XXXX, that my file was declined with the reason of an upcoming sale date in less than 15 days! They did not allow for a complete review and just closed by review simply because they wanted to foreclosure. This is not a valid reason for denial of a modification review that started in XXXX! Not only that but the representative XXXX stated on a recorded line to my XXXX party that they have pulled that " the client can not do anything at this point besides reinstate the loan and no one can help them. '' Then when he was reminded that this was a recorded line he hung up. PLEASE HELP!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX called me, not on a number listed on my card or the website, to let me know that my account was past due. I hadn't received any letters regarding this and let the representative who called me know that I was going to be making a payment on a specific date. When I went to make the payment, a few days later my credit report was updated with a late payment notification.This all occurred in XXXX and XXXX. 


I also asked for a late payment of discovery card to be removed as the same incident happened with them, again with noprevious history. They referred me to the credit card company who then referred me back to the credit reporting agency. It was just running in circles endlessly.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I looked at my report. I sent a letter to XXXX And XXXX on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX  XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XX/XX/XXXX they sent me their invetagtion and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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. 

and according to 15 USC 1681eb they are supposed to ensure this ( 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.

and according to 15 USC 1681s-2 this is suppose to happen ( 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.

Also my accounts was paid off and was still showing that it is open and i requested that they delete the paid off accounts from my credit report they simply updated the report and change my open account to closed. i also contacted the banks and the banks told me to contact the credit bureau 's i also contacted XXXX once again and they told me they will investigate but the other 2 gave me no choice seeking for help. 

TransUnion, XXXX really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly requested and/or demanded that Equifax remove the following two ( 2 )  unauthorized/fraudulent credit inquiries from my credit report >>> 1 ) XXXX XXXX XXXX  XXXX - Date of Inquiries : XX/XX/XXXX & XX/XX/2017 >>> The creditor listed has made the aforementioned unauthorized inquiries onto my credit report. I did not authorize these credit report furnishings. The inquiries listed were provided without my knowledge or consent. They are fraudulent attempts at gaining access to my credit report. I have attempted to contact the credit reporting agency via their online dispute system and via certified mail, and they refuse to remove these fraudulent inquiries. I have added a fraud alert on all three of my credit bureaus, I have followed up and have not received a satisfactory response or any response at all within the time allotted by law in The Fair Credit Reporting Act, 15 U.S.C. 1681, and such an inquiry can have a deleterious effect on my credit score. >>>> All other inquiries have been confirmed to have been duly authorized, including the XXXX XXXX XXXX  XXXX XXXX dated XX/XX/2017 ; and the XXXX  XXXX, XXXX. inquiry dated XX/XX/2017
Product: Credit card or prepaid card

Every time when I pay credit card amount I found so much money still in my credit I am customer in BOFA in 8 years ago dont get any more money in my credit card or any changes in my score of credit card I lose so much money with Bank of America
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX. Equifax charged my XXXX {$140.00} for an annual subscription to Equifax Credit Watch Gold with 3-1 Monitoring   XX/XX/XXXX. Called Equifax to cancel subscription to Equifax Credit Watch Gold with 3-1 Monitoring and was told by Equifax  representative XXXX XXXX that I would need to confirm my identity by sending a copy of my W-2 and drivers license to XXXX. XXXX  XXXX, XXXX, GA XXXX XX/XX/XXXX Via certified mail, sent copies of my W-2 showing social security number and copy of my NY drivers license that shows my current address via certified mail. Also instructed Equifax to cancel the subscription and told Equifax they have no authorization to charge any of my credit card accounts for any services. 

XX/XX/XXXX. Received confirmation from USPS that letter was delivered to Equifax XX/XX/XXXX at XXXX XXXX  XXXX/XXXX/XXXX I called Equifax and spoke to representative XXXX XXXX XXXX. He said it will be 7 to 10 business days from XX/XX/XXXX, so should be able to cancel XX/XX/XXXX to XX/XX/XXXX. XXXX  claimed he draft up a ticket number to make sure my request is processed and he provided me the ticket number. 

XX/XX/XXXX I called Equifax and spoke to representative XXXX XXXX, who confirmed my account and then attempted to sell me more product. I explained to her the history of me attempting to cancel and I just wanted to cancel. She put me on hold and then told me she couldn't cancel my account but I should call Equifax Global Consumer Care XXXX. 

XX/XX/XXXX. Per instructions from XXXX  XXXX, I called Equifax Global Consumer Care XXXX several times and nobody answered. 

XX/XX/XXXX. Called main line for Equifax and was given a new number to call XXXX to cancel subscriptions. 

XX/XX/XXXX XXXX XXXX  called XXXX and talked to XXXX XXXX who said his system was down and I needed to call back in 2 hours XX/XX/XXXX XXXX XXXX  called and reached XXXX XXXX who told me that my account has been inactive since XXXX and she has no record of the charges on XX/XX/XXXX. XXXX said she can't cancel the subscription because the account is inactive and she said any charges subsequent to XXXX would be fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed fraudulent accounts on my consumer report. The major 3 credit bureaus, Equifax, XXXX, and XXXX are not upholding the law with 30 days to comply. I've sent in disputes and they're not responding to the investigation. I have not received investigation status or results.
Product: Credit card or prepaid card

I got this card for donating plasma. The schedule of fees says there is a charge for using this at an ATM, even in network, and a charge for using a pin to get cash back. The only way to get cash without paying a fee is a bank teller withdrawal. I was told my card is not allowed to be used at a bank teller, and therefore the only way to get cash off the card will cost me money. That doesnt seem right. Due to the amount I have to claim this in my taxes, but I cant even get the cash from it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section XXXX ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All XXXX penalty of perjury, I swear this account is false and misleading XXXX XXXX XXXX. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence. 
Under XXXX XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX XXXX ( XXXX ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data XXXX Direct Violation of The FCRA Reporting falsely. 
Under XXXX XXXX XXXX XXXX ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. XXXX XXXX XXXX
Product: Vehicle loan or lease

Between the dates of XXXX - XXXX & XXXX - XXXX it has my credit report saying that i was late. I called them to have it fixed but they said they would not change it on my credit report even though i am up to date and have not been late since XXXX of XXXX  because of the downturn of the economy in the oil and gas sector.
Product: Debt collection

Harris and Harris is reporting negative trade line on credit report. Ive disputed the dent due to identity theft. I do not owe this debt, have no knowledge it and have filed identity theft report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of the following XXXX accounts from XXXX XXXX XXXX XXXX on my credit report with the same partial account number XXXX. Both of these accounts have already been removed by XXXX due to the legal precedent set in XXXX vs. XXXX, which proves that they were inaccurately reported. Both accounts display significant inconsistencies between XXXX and Equifax, as shown in the attached evidence. I expect both Equifax and XXXX to follow suit and delete these accounts within the next 30 days to remain compliant with the Fair Credit Reporting Act ( FCRA ). 

I have attached copies of my credit report highlighting these inaccuracies for your reference. In accordance with the FCRA, these errors must be investigated and corrected or removed from my credit report. 

Please resolve this matter within 30 days, as is required by law. Failure to do so may result in legal action being taken against your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

I noticed this problem on XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX Account number : ***** When the account was opened : XX/XX/XXXX Account Balance : {$750.00} Account name : XXXX XXXX XXXX  Account number : XXXX When the account was opened : XX/XX/XXXX Account Balance : {$10.00} Account name XXXX XXXX Account number : XXXX When the account was opened : XX/XX/XXXX Account Balance : {$520.00} Account name : XXXX XXXX XXXX Account number : XXXX When the account was opened : XX/XX/XXXX Account Balance : {$670.00} Hard Inquiries Inquiry name : XXXX XXXX XXXX XXXX Inquiry name : XXXX  Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry XXXX Inquiry name : Citi Cards Inquiry dateXXXX