23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX, RI XXXX JEFFCAPSYS XXXX, MN XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim my account was charged off {$2800.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. 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 ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; 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 will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Checking or savings account

On XXXX XXXX I wrote a check to a Wells Fargo customer for {$48000.00} to a XXXX XXXX 
XXXX XXXX, accountant For a company called XXXX XXXX XXXX XXXX XXXX. Bank of wells Fargo refused to honor the check. They stated it was a lack of endorsement and would credit to the account within named payee, which was mine. 
i have been through XXXX with this issue.. The check was # XXXX dated XX/XX/year> for {$48000.00}. I addressed XXXX bank through CFPB and the answered that it was not with their bank and to check Wells Fargo as they have to be the only XXXX left with my money.
Product: Credit reporting or other personal consumer reports

Dispute letter Friday, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, KS XXXX, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 

Please verify or remove immediately the following accounts : XXXX XXXX or XXXX XXXX Remarks PURCHASED BY ANOTHER LENDER ; PAID IN FULL/WAS A CHARGE OFF I am a victim of identity theft and I never opened this account.

Please remove this inaccurate information from my credit report.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

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

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. Transunion is reporting late payments on multiple accounts ( XXXX XXXX XXXX ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave TransUnion written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to Transunion violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Product: Debt collection

Santander consumer finance sent a towing to repossessed my vehicle after being put in a billing error status pursuant to 15 U.S. Code 1666 - Correction of billing errors. Which is a violation of my rights. There was no warrant of execution by the judge presented. At XXXX they breached my peace lifted my vehicle off the ground and I was told by towing company that they would shoot me if I tried to stop them. 

I have been in billing dispute since XXXX. 
I notified Santander of XXXXXXXX XXXX  fraudulent activity. 

I have sent payment for payoff request and its documented Santander lost it. 
I shouldnt be obligated to pay any longer. 

I should have been placed in a do not pay do not collect status while and investigation was done and a new loan was drafted instead my life is threatened for a car
Product: Checking or savings account

wells Fargo owes me my money of {$500.00} that was in my account that they will not give me back! Please.
Product: Debt collection

Account Details Last Reported XX/XX/XXXX Collection Agency XXXX  Original Creditor 11 XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$290.00} High Balance {$290.00} This is not my account as I have used XXXX XXXX  since XX/XX/XXXXand XXXX before. 

please remove from Transunion credit report as it is not reported by XXXX  or other credit reporting agencies. I have no documents to attach as I never had this account. 
Nobody has ever contacted me about this account. It just sits on Transunion only.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX : XX/XX/2025 To : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Subject : Request to Update Public XXXX XXXX XXXX Number Dear SageStream XXXX  Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XX/XX/XXXX is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX said i made payment XXXX XX/XX/XXXX said i made payment XXXX XX/XX/XXXX said i made payment XXXX syncbXXXX XXXX this syncbXXXX XXXX account isn't mine. I respectfully request to be provided proof of this alleged item, specifically the contract that I signed to open account or other instrument bearing my signature. I disputed these inaccurate items over 35 days ago. Only verification of fake payments by syncb were made not proof of my signature. 

I never made payments because was a fraudulent account look at uploaded credit report picture at payment dates and made payments they are all made on the day i started my dispute. as fake payment active to make it look I paid but i never opened a XXXX XXXX if i did paid them payments aren't showing for XXXX, XXXX, XXXX at the top in red as co. I want this removed for inaccurate reporting to my credit report
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communication regarding the fraudulent items that persist on my account. Despite my initial attempt to address this matter, the fraudulent charges remain unresolved. This letter serves as my second attempt to request the immediate removal of these fraudulent items. 

I am deeply concerned about the lack of progress in addressing this matter. The presence of fraudulent items on my account not only jeopardizes my financial security but also undermines my confidence in your company 's ability to safeguard customer accounts. 

I urge you to take immediate action to rectify this situation. I request that the fraudulent charges be promptly removed from my account, and any associated fees or penalties resulting from this oversight be waived without delay. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Balance : {$1300.00} XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX : {$0.00} XXXXl XXXX Balance : {$670.00} Medical XXXX Balance : {$740.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. CAPITAL ONE XXXX Date opened XXXX XXXX XXXX Balance XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : XXXX A XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Product: Money transfer, virtual currency, or money service

PayPal permanently limited my account on XX/XX/2021 ( Reference ID : XXXX ) which prevents me from withdrawing funds on my PayPal account. This was done according to PayPal, as a result of a presumed unauthorized activity on my account. And as a result, limited my account. 
PayPal decided to hold my funds on the account which INCLUDES a Crypto coin ( Ethereum ) balance of over {$1800.00} I made an initial complaint through CFPB portal and PayPal responded on XX/XX/2021. 
Paypal explicitly stated on their response - Pursuant to the aforementioned section of the User Agreement, PayPal may hold account balance for up to 180 daysWe will make any remaining funds available to you for withdrawal on or before XX/XX/2021 Its now 19 days since specified date in which funds were to be made available, and despite engaging with numerous customer PayPal representatives, I have still not been giving access to my Crypto funds for withdrawal. They currently have no date in which they plan to release the funds. 

This situation continues to cause me financial distress especially in the current economic climate caused primarily by Covid-19 pandemic. 

My email linked to my PayPal is " XXXX ''
Product: Credit reporting or other personal consumer reports

I am writing to express my concern and dissatisfaction regarding the handling of my dispute and the failure to validate the accounts in question within the 30-day timeframe as required under the Fair Credit Reporting Act ( FCRA ). Additionally, the necessary corrections to my credit report have not been made, despite my efforts to resolve this matter. 

On XX/XX/XXXX, I submitted a dispute to Experian, XXXX, & XXXX regarding inaccurate information on my credit report. Specifically, I requested validation of the accounts listed below : XXXX Revolving account with account XXXX XXXXXXXX opened on XXXX XXXX  Revolving account with account XXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX Revolving account with account XXXX XXXXXXXX opened on XX/XX/XXXX XXXXXXXX XXXX Revolving account with account XXXX XXXXXXXX opened on XX/XX/XXXXXXXX XXXX XXXX Installment account with account XXXX XXXXXXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Revolving account with account XXXX  XXXX opened on XX/XX/XXXXXXXX XXXX Revolving account with account XXXX XXXXXXXX opened on XX/XX/XXXXXXXX XXXX Revolving account with account XXXX XXXXXXXX opened on XX/XX/XXXX XXXX XXXX Revolving account with account XXXX XXXXXXXX opened on XX/XX/XXXX XXXX XXXX Revolving account with account 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 To date, I have not received any validation of these accounts, nor have the inaccuracies been corrected on my credit report. This lack of action has caused significant harm to my financial well-being, including but not limited to : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Denial of credit opportunities Higher interest rates on loans Emotional distress and frustration Under the FCRA, credit reporting agencies are required to investigate disputes within 30 days and provide a response, including corrections or validation of the disputed information. The failure to do so is a violation of my rights as a consumer. 

I respectfully request that the CFPB investigate this matter and ensure that the credit bureau ( XXXX ) involved comply with their legal obligations. Additionally, I urge the CFPB to take appropriate action to hold the credit bureau ( XXXX ) accountable for their failure to act within the required timeframe and to ensure that my credit report is corrected promptly. 

Please find attached copies of my dispute letters, correspondence with the credit bureau ( XXXX ), and any other relevant documentation for your review. 

I appreciate your attention to this matter and look forward to a resolution. Please contact me at [ your phone number ] or [ your email address ] if you require any additional information or documentation.
Product: Credit reporting or other personal consumer reports

Kickoff reported me in XX/XX/year> they reported me late payments violating the consumer protection law
Product: Mortgage

This is an ongoing issue with the Mortgage Company. I have never missed a payment, however Ocwen continues to show my mortgage as being delinquent. They continue to add an Escrow account stating that insurances were unpaid. About a month ago, when we seemed unable to resolve, we called Ocwen with our Insurance representative on the line. At that time Ocwen agreed that our insurances were paid up, we were not past due on anything and they returned an overage amount that we both agreed they owed us. To date, Ocwen still has our loan listed as due for XXXX. They are saying the last payment was received was XXXX/XXXX/XXXX and next payment due is XXXX XXXX, XXXX. They returned am amount equal to the monthly mortgage payment in XXXX. We have never missed a monthly payment and have our bank statements to prove this fact. This has been an ongoing problem with Ocwen and we have wasted time and money trying to settle these challenges.
Product: Credit reporting or other personal consumer reports

Can you assist me in getting Equifax to unblock my scores and report? I have been trying to get this is resolve for more than a year.
Product: Credit reporting or other personal consumer reports

I DO NOT consent to, benefit from or authorize any of the following incorrect information that is listed on Experian that does not belong to me XXXX account opened on XX/XX/2022 address XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX account type auto loan current balance {$20000.00} Original Balance {$23000.00}, Phone number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My birthday is listed wrong on credit reports. I was born XX/XX/XXXX. Its listed as XXXX. Also I never lived at an address in XXXX XXXX in XXXX XXXX
Product: Credit card or prepaid card

After disputing an account that it is not mine with Comenity Bank, Comenity Bank came back stating that they have validated the account and they are stating that their records indicate that an Express account was open on XX/XX/2022 under my name with a Balance of {$390.00}. The problem is that I have never open an account either with Comenity Bank or EXPRESS, if this account was open under my name I did not authorized or purchased anything using this account. They did send me the statements showing that the account exists, with this I know that someone that is not me open this account. I am demanding a further and more deeper investigation as to how the account was open, who sign, or anything else they do to prove it was me who open this account. In the meantime they are reporting late payments on my credit report that is affecting me with some financial transactions I was going to do. 
I have started a Police investigation and have also reported a Identity Theft at the Federal Trade Commission.
Product: Checking or savings account

There was a data breach and my information was leaked. Accounts that I had were took out of my control and were closed for reasons I still dont know because they say they dont have to specify why they just dont want to do business. These accounts are Wells Fargo, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I rented an apartment to XXXX XXXX managed by XXXX XXXX. XXXX XXXX sent me a bill stating that I owed {$54.00} for a gas bill. I showed them a letter from XXXX XXXX that I did not owe them anything. XXXX XXXX letter stated that I 've been paying my utility bill to them since I 've established it before I moved in. I continued to pay my rent and the management company continued to send me letters stating I owed them money. The management company started of with saying I owed {$54.00} and continued to increase it to {$6000.00}. The management company filed a suit against me for none payment in XXXX 2014. I was not properly notified and filed a motion against them. In XXXX 2014, my case was heard in front of the Maryland Circuit judge. The management nor their attorney showed for the hearing. The judge dropped the charges. Upon, recent review of my credit report, I noticed the management company sent {$9000.00} debt to a collection agency. I had the state 's attorney 's office investigate. XXXX XXXX stated that my bill for the gas bill has increased to that amount. I disputed it stating that a hearing was held in XXXX 2014 and was thrown out by the judge. This company has illegally placed a debt on my credit report that is not mine, they did not notify me nor did they try to dispute it again in court.