23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After receiving a letter claiming to be from a debt collector, I responded, asking them to validate the debt. I also requested that they conduct all future business with me by mail. I have tracking information for this letter and proof that it was received and signed for. 

While I was preparing that letter, I received word from a former coworker. This coworker sent me a string of emails from the debt collector, sent to him, about my supposed debt. These emails contained my name, address, account numbers, and the amount of debt the collector claimed to own. The debt collector continued to contact my coworker even after he responded, telling them that they were reaching out to the wrong person. 

In my letter to the debt collector, I specifically told them to stop contacting my former coworker and provided correct contact information. However, after the letter was delivered and signed for by the debt collector, they continued to contact him. 

Earlier today, I received a phone call from my father. The same debt collection agency contacted him, informing him about the same non-validated debt and threatening legal action against me. They did not simply request my contact information but explicitly disclosed the debt and threatened legal action. 

Other than a single letter threatening legal action, the collection agency has made no attempt to validate that they own any of my debt and has constantly violated my privacy by contacting third parties.
Product: Debt collection

I requested validation from this company that includes my signature. The company sent a bill statement from XXXX XXXX in which I never had an account with.

Ive also sent a certified letter on XX/XX/18 request that this company cease with the telephone calls and hey have violated my request by calling two times a day after the letter was delivered.
Product: Credit card or prepaid card

There were unauthorized charges to my account from a Merchant XXXX XXXX XXXX. I contacted them and after numerous emails they acknowledged that my card had been used for separate accounts. They said they would return monies owed if I could provide them transaction codes linked to charges. I contacted Netspend asking for such codes. Netspend wasn't  able to provide me with any. XXXX XXXX said they couldn't process refund without them. It was suggest I file a claim. I did file a dispute with Netspend. After 45 days I received a letter telling me that upon investigation they didnt find any errors and would not be issuing me a refund. Yet they accidentally  credited my account for the international transaction fees after denying my claim. I have emails from XXXX who states upon their investigation they determined their was fraudulent use of my card. Their intention of returning funds. Netspend can take my monies back and wont. XXXX XXXX says they additional information. I am not sure what recourse I have because this a prepaid card through XXXX. The merchant acknowledges fraud. I said it was fraud. Why doesn't Netspend move forward and take back monies
Product: Checking or savings account

I received my unemployment back pay in XXXX ofXX/XX/2020 and right away my account was hacked and I disputed the charges and then I was a victim of identity theft and every dime I had was transferred to someone else account and I disputed the transfer and then I was told that I would have to wait until 90 days to see if I could even get my money back even though I did file charges and now even though I have emailed them several times I can't get them to update my phone number so that I can log in to the app and it is very frustrated I have become XXXX  amongst other things because of this bank
Product: Mortgage

I have been trying to modify my Heloc loan with US Bank for 2 1/2 years. I sent a hardship letter XX/XX/2014, stating I had lost my job, and was living on S.S. Also, my daughter had stopped paying on her 1/2 of the loan. Subsequently I have submitted a minimum of XXXX applications for relief. I have sent to the bank all of their documents, albeit sometimes it took a while to gather the info. Many times, the bank claimed they did n't receive the docs, and when they would finally get back to me, the docs had expired. US Bank forced me into bankruptcy XX/XX/XXXX because they threatened to sell my home on the courthouse steps. I am still unable to make the payments because of my income status which is the reason I started this in the first place. At the first application I owed $ XXXX, now thanks to their delaying tactics, I owe over $ XXXX. They have given me lip service that they dont want me to lose my home, but yet delay, delay, delay! I think US Bank is unethical, and crooked. I even sent a registered, certified letter to the CEO XX/XX/XXXX, and not the slightest response. I am XXXX years old, have lived in my home for 46 years, and at this stage do n't want to be thrown out on the street. There is nowhere I can live where I can have what I have for what I pay. At my latest complaint I filed with US Bank, I stated I could pay {$400.00} per month, even though this is still a hardship. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$3900.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$500.00} -This is not my account. 


-- XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

This account is in litigation and reported fraudulently and according to 605b it is illegal to report information on my credit report without my permission please remove thank you
Product: Mortgage

On XX/XX/XXXX we sent a FAX to our lender requesting a payoff amount for XX/XX/XXXX. Today is XX/XX/XXXX and we have heard nothing. A call resulted in a promise that they would process the amount and FAX in 24 to 48 hours. Who is responsible for the adjustment if the check arrives after XX/XX/XXXX?
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the incorrect items in my file that resulted from an alleged erroneous reporting but I still have ITEMS left that needed to be removed. This is my new complaint that I am a victim of erroneous reporting and I write to dispute these inquiries in my file resulting from the inaccurate reporting. The inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these inquiries in my credit file that resulted from an alleged inaccurate reporting : EXPERIAN : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These inquiries are unknown to me. Also, the information you provided on these inquiries was DELETED from other bureaus and I have doubts about their accuracy and the reported history date on these inquiries are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX, XXXX. XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$350.00}, XXXX XXXX M XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED XXXX : {$0.00}, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX - XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, and XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {>= $1,000,000}.
Product: Student loan

I set up a monthly payment plan with a credit card to pay down the loan. The company failed to withdraw twice because they claim the account amount was insufficient, I have records of my payment stubs to show that the account was more than sufficient. This is the second time an error of data entry on Navient 's part has resulted in payment error. However, the company is claiming that because of their error, I am responsible and will go into default. Every time I call to find out the issue, I am met with hostility and blame. I have followed on my end and Navient continues to make it impossible to relieve this burden.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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

I have paid off a XXXX XXXX XXXX XXXX  that was reported to ChexSystems as paid off but every time I try to open an account up with any other credit union it doesn't allow me to and the other credit unions XXXX has to override it after I show proof it was
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND TRANSUNION ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : XXXXXXXX XXXX XXXX XXXX Account XXXX Date openedXXXX  XXXX, XXXX Account typeAuto Loan Balance {$0.00}. 
Loan Amount {$21000.00} XXXX XXXX XXXX  Account numberXXXX Date openedXXXX XXXX, XXXX Account typeUnsecured Loan BalanceLoan Amount {$0.00} {$6000.00} XXXX XXXX XXXX Account numberXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} XXXX XXXX XXXX {$12000.00} Account number900000XXXXXXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} XXXX XXXX XXXX {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX TRANSUNION : XXXX XXXX XXXX Account XXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} XXXX XXXX XXXX {$12000.00} Account numberXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} XXXX XXXX XXXX  {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX : XXXX XXXX XXXX  Account numberXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$9100.00} {$8500.00} XXXX XXXX XXXX {$12000.00} Account numberXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$12000.00} {$10000.00} XXXX XXXX XXXX {$11000.00} 0 % paid off 2 late payments Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeEducation Loan BalanceLoan Amount {$11000.00} {$10000.00} XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX
Product: Credit card or prepaid card

This is the 2nd time Chase Bank ( XXXX XXXX ) has closed my account after approving me ( I have good credit ), stating I am reputational risk for their company? I'm not sure what this means, since I have great reputation in my community, both financially and socially. I feel that I have been " personally discriminated '' against. I called Chase several times, and they said there is nothing I can do? No explanation given.
Product: Credit card

I am writing to urgently to address a concerning matter regarding the proposed closure of all four of my accounts with CHASE on XX/XX/XXXX ( details from a letter sent by CHASE on XX/XX/XXXX ). As a loyal member since XXXX, I am deeply perplexed by this decision, especially considering my impeccable payment history throughout my tenure. 

I have diligently maintained my accounts without a single late payment, reflecting my commitment and responsible financial behavior. However, the prospect of closing all four accounts poses a significant threat not only to my financial stability but also to my aspirations of homeownership. 

The potential closure of these accounts would undeniably inflict severe damage to my credit score, jeopardizing my ability to qualify for essential financial products, particularly a mortgage to purchase a home. Given the pivotal role that creditworthiness plays in securing favorable loan terms, such an adverse action could impede my progress towards achieving this fundamental life milestone. 

Therefore, I implore CHASE to reconsider the decision to close my accounts and provide me with a transparent and detail explanation for this drastic measure. I firmly believe that there must be some misunderstanding or oversight, as my longstanding relationship with CHASE should warrant a fair assessment of my creditworthiness. 

I kindly request your prompt attention to this matter and a timely resolution to prevent any unwarranted harm to my financial well-being. 

Thank you for your immediate attention to this urgent appeal.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the slience XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt, therefore any such debt, in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX  bal. {$220.00}, XXXX XXXX XXXX XXXX {$760.00}, XXXX XXXX bal. {$630.00}, XXXX XXXX XXXX XXXX BAL. {$370.00}, XXXX XXXX XXXX XXXX bal. {$190.00}, XXXX XXXX bal. {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. However, its been XXXX days and the credit bureau has failed to send my investigation back XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violate d my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Midland you stated you brought an alleged debt. You can't buy a debt you could've brought my personal information which would be considered identity theft and a federal violation 15 USC 1681Q title 18 Also I have a few questions of you for assistance in this so- called debt you are to answer them under penalty of perjury? In affidavit form via certified mail. 

Sending mail through using the postal system without validation, is that mail fraud is this true? 
I must demand proof of the debt, specifically the alleged physical contract or other financial instrument bearing my signature, as well as proof of authority in this matter. Absent such proof, you must correct and erroneous reports of this past debt of mine. 
This alleged debt is time barred, is this true? 
Your firm does not have a debt collection license from my state, is this true? 
Your firm doesn't know the date of the last payment is this true? 
Please provide the amount of money you lost in this transaction? 
Did you provide any funds to me pertaining to this alleged debt and how much did you invest if any? 
Did you provide an amount of credit to concerning this account? 
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. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. 


You should be made aware that in TWYLA BOATLEY, plaintiff, vs DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account on a credit report indeed is considered collection activity. 

XXXX XXXX XXXX XXXX XXXX would be in violation because they cant't sell an alleged debt after a charge off. if they did that, that would be tax fraud oXXXX XXXX XXXX XXXX which then the IRS needs to be involved
Product: Money transfer, virtual currency, or money service

I am writing to express my deep concern about the recent decision by PayPal to permanently limit my account. I strongly believe that this limitation was placed by mistake and that I have not violated any PayPal policies. 

I have been a loyal PayPal customer for many years, and I have always conducted my transactions with utmost honesty and integrity. I have never engaged in any fraudulent or malicious activities, and I have always followed the rules and regulations set forth by PayPal. 

I am therefore shocked and dismayed by this decision, which has left me feeling completely helpless and without any recourse. I have tried to contact PayPal to understand the reasons for this limitation, but I have not received any satisfactory response so far. 

I would like to take this opportunity to request PayPal to re-investigate my case and restore my account, if possible. I am willing to cooperate fully with PayPal and provide any information or documentation that is required to resolve this matter. 

I strongly believe that this limitation was placed in error, and I am confident that a thorough investigation will reveal the same. I kindly request PayPal to provide me with an opportunity to prove my innocence and restore my account. 

I would also like to reiterate that the email address associated with my PayPal account is XXXX. Please do not hesitate to contact me if you require any further information or clarification. 

Thank you for your attention to this matter, and I look forward to a positive resolution of this issue. 

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

my information was linked with all of my personal information from a data breach and credit accounts were opened and it is affecting my credit score.
Product: Credit reporting or other personal consumer reports

Introduction & Overview of Complaint I am filing this formal complaint against Affirm , Inc., for failing to provide a cure period before reporting a late payment, which has inaccurately impacted on my credit report and is now threatening my ability to secure a home loan scheduled to close on XX/XX/XXXX. 
This complaint is not just about a single inaccurate credit reporting incident, it is about the real life impact it is having on me and my entire family. 
I am my family 's primary provider, and we have been planning this home purchase for years to provide stability and security. 
Because of this unjustified credit reporting error, my lender is now reconsidering the mortgage approval or may increase my interest rate significantly.

If this is not resolved immediately, my family may lose the home we have already invested time and money in securing. 
On a call on XX/XX/XXXX, at XXXXXXXX XXXX XXXX XXXX, with the assistance of XXXX XXXX XXXX, informed Affirm of an anticipated late payment and sought information regarding a cure period before adverse credit reporting. Affirms representative, XXXX, stated that Affirm does not offer a cure period because they do not impose late fees. 
XXXX Under Virginia law, expressly XXXX ( B ) of the Code of Virginia, lenders are permitted to charge a late payment fee of {$20.00} for any payment not received within 10 days of the due date. This implies a 10-day grace period during which a borrower can make a late payment without incurring a late fee. While the statute does not explicitly mandate a cure period, the allowance for a late fee after 10 days suggests that lenders should provide a 10-day window before taking adverse actions, such as reporting to credit bureaus. 
This directly violates Virginia consumer lending laws and federal credit reporting statutes, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
This complaint is submitted with XXXX XXXX XXXX, a financial advocate with expertise in government and consumer financial matters ( not an attorney ). 
II. Complaint Details A. Consumer & Loan Information : Complainant Name : XXXX XXXX XXXX ( Last Four Digits ) : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Financial Institution Involved : Affirm , Inc . 
Account Type : Installment Loan for Consumer Purchase High Credit Amount : {$1600.00} Balance : {$0.00} ( Paid in Full ) Date Reported Late : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX III. Violations and Personal Harm to My Family A. Failure to Provide a Cure Period Before Reporting a Late Payment Violation of Virginia Consumer Lending Laws Affirm failed to provide me with a legally required grace or cure period before reporting my late payment to credit bureaus.