23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the s
ecured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

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

i have contacted all 3 credit bureaus as well as XXXX XXXX XXXX 7 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, equifax is reporting it as open and transunion and experian are reporting it as a collection... equifax is also reporting this 120 days late and a collection thats double dipping, equifax is reporting a past due balance on a " collection '' ... .look at the 2 year history it is not uniform across the board which it should be ... there are so many violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Experian and XXXX on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 150 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Credit card or prepaid card

I was notified of fraudulent charges on my account. After closing and opening a new card it became evident that Wells Fargo authorized someone unknown to me to add themselves to my card. I have spent many hours in local branches verifying my identity as well as many hours on the phone. I was given my final account balance at which time I paid it with a cashiers check and was told my account was closed. All online access and statements were terminated. A new balance of {$1500.00} has materialized and I am being asked to pay it. It appears as if my cashiers check was applied to the fraudulent charges, and legitimate charges I was told I paid off were transferred to the fraudulent credit card, which they are now trying to get payment for a second time. My claim was denied due to the fact that payment came from a legitimate bank account ( I can't control where they apply a cashiers check ). I have been given two names of WF employees in the executive offices who will not return my voicemail messages. I have been asking for an accounting of payments and charges between all accounts real and fraudulent and have been denied this information. Nor can WF branch employees gain access to these amounts. In short, I've paid my balance, they applied my payments to fraudulent charges and refuse to close my account as promised. A police report was filed at the time the unauthorized person was added to my account against the advice of WF employees.
Product: Credit card

Months ago in XXXX my ballast blew on my car I bought a universal on for time and convenience. I got a guarantee from XXXX it would fit. It did not. Not at all. I figured I bought the wrong one bought a DIFFERENT ONE. With another guarantee to fit.it did not. Not at all. I requested refunds for both. XXXX SENT ME REPLACEMENTS INSTEAD. I requested refunds AGAIN. Keep that in mind, to even have the items I MUST have paid for them. Okay. They said when I RETURN the items I will get my refund. GRANTED it slipped my mind and I never returned them. yesterday I was RECHARGED for both, informed my card company, current. It was purchased through my XXXX XXXX XXXX They tell me they wont put the balance back and if it ends not in my favor Itll be put into my next months balance so understand theres the original charge ( to accquire ) the second charge ( unauthorized ) and they say if the dispute ends not in my favor it goes in the my next month billing statement as well and thats after a possible 90 day investigation. So TECHNICALLY I would be charged 3 times for that one productThat didnt fit as it was GUARANTEED TO and MY creditor is giving my money out unauthorized. I need help.
Product: Checking or savings account

On XX/XX/21, I opened a new checking account with Citibank through a link that had a welcome bonus promotion attached to it. I deposited the required amount of {$3000.00} into the account and have kept the account open ever since. I reached out to via chat on XX/XX/21 because I noticed that I still had not received my {$200.00} welcome bonus. When I spoke to their representative, they assured me that I had qualified for the bonus and that I should not need to wait past XX/XX/21 to receive it. Now it is XX/XX/21 and I still have not received my {$200.00} bonus. I reached out for chat support and was now told that there is no such offer attached to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company by the name of XXXX XXXX has obtained my personal credit without my authorization twice in XXXX. They have obtained my credit on XXXX XXXX, XXXX and XXXX XXXX. Every time i have called them they said they had no clue who i was or do not have a application on me. They begin to tell me they will remove the inaccuracies of the hard inquiry on my credit but do nothing. This is fraudulent activity and i am requesting help to have this removed from my personal credit file with Transunion XXXX XXXX.
Product: Debt collection

XXXX XXXX is attempting to collect wrong information I been contacting XXXX XXXX XXXX since XXXX of XXXX  no call back from them when my account was in the positive I need this dispute of my credit report because of wrong information
Product: Debt collection

Ive just reviewed my credit report and noticed the following inaccurate items. I understand that before any account or information can be furnished to the credit bureaus ; all information and accounts must be 100 % accurate, verifiable, and properly validated. I am not disputing the existence of this debt, but I am denying that I am the responsible debtor. I am also aware that mistakes happen, I believe these accounts can belong to someone else with a similar name or with my information used without my consent either from the furnisher itself or an individual. 
I am demanding physical documentation with my signature or any lagally binding instruments that can prove my connection to these erroneous entries. Failure to fully verify that these accounts are accurate is a violation of the FCRA and must be removed or it will continue to damage my ability to obtain additional credit from this point forward. 

ARS ACCOUNT RESOLUTION
Product: Credit reporting or other personal consumer reports

Please consider this as my formal complaint to the EQUIFAX for allowing the fraudulent account and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/2023, with the identity theft report number XXXXThey allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am been a victim of identity theft. I have been a victim of this terrible issue which caused XXXX XXXX to close down my account and force Checksystem to put fraud alert on my account meaning I can not get any checkings account with any other bank. I am putting a claim in against checksystem because I want checksystem along with consumer financial protection Bureau along to find my innocence behind this identity theft matter. I am willing to help yyou guys fully investigate to also find my innocence. This issue have held me back in recent days. Please work with me to find my innocence against the identity theft crime.
Product: Mortgage

I lost my job in XXXX. My mortgage payment was {$980.00}. I went through all of my IRA and XXXX to keep up with my bills. I worked XXXX different temporary jobs for 2 years. Then I got a permanent part time position with less pay in XXXX that led to full time in XXXX XXXX. My mortgage is with Bank of America. I went through XXXX for a while and then went through XXXX. XXXX had my payments at {$470.00}. While I was making these payments, BOA listed me in foreclosure for 2 weeks. I was trying to work with Bank of America to get a loan modification. I went to the XXXX meeting in XXXX in XXXX XXXX to hopefully get a solution that day. BOA told me I was in underwriting for a loan modification, so they said nothing I or they could do. Few days later I received the loan modification paperwork. 
New payment {$1000.00}. I make XXXX an hour, have XXXX dependents, get child support for XXXX, and that ends in 1 year. I want to keep my house but there is no way I can afford this. I dont understand why Bank of America would tell me one thing, XXXX would tell me something different.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
The XXXX Credit Bureaus are reporting inaccurate information on XXXX XXXX XXXX. 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

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX ( Original Creditor : XXXX XXXX HOSPITAL ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; I did not authorize the said inquiries, please delete.
Product: Credit card

XXXX XXXX forced us to sign the BARCLAYS credit card application and balance transfer process for the payments to to the XXXX XXXX Process they explained with the Membership demo : They showed us an account with sales rep ids which doesnt have real value as they change with the each user account. Mentioned there would be a min reservation fees and resort taxes. After signing the contract we received the credentials after XXXX weeks to login and verify our own account. Whatever they explained us at the office and actual reservation process are entirely different, not even matching with regular reservation costs on top that service tax for every reservation is {$290.00} even for 1 day reservation. These hotel reservations yearly we have to pay {$1000.00} to convert my XXXX stay to exchange points. With this exchange points only we will have option to book other hotels. Yearly XXXX XXXXXXXX {$290.00} per reservation and a resort fee. 

They said would finish all the paperwork and made us sign the contract in hurry, and forced us to sign. Even they said if we miss flight they will arrange stay and other flight reservation. We were still in the XXXX XXXX office till XXXXXXXX XXXX. The main bullet points with this XXXX XXXX  as below ISSUES : XXXX. We expected to be finished early and they called us in after XXXX hr. Even that time they promised that they will finish. But its not the case they made us to sit till XXXXXXXX XXXX, that caused to miss flight re booking all including hotel stay in XXXX where we do not have flights for that day. 

XXXX. What ever in the presentation they showed its not real. No flexible dates or no hotels available always getting no hotels available in your criteria message. For any destination any dates. NO Flexibility of dates. For family of XXXX spending high price on top of service fee and tax etc. we couldnt find anything any hotels Down to XXXX or XXXX months after. 

XXXX. They said will give many incentives but all of them have same issue with the dates and resort booking fee is very high where I can buy less than that anywhere else. 

XXXX. They forced us sign the contract saying that you will save so much with this vacation plans. 

XXXX. We received username/ password after XXXX weeks to review ourselves. After realizing that this is not working out, immediately we tried to contact them and heard no response from anyone to help us. 

Even we approached the credit card company who didnt help either.
Product: Credit card or prepaid card

Citi Card Flex Loan terms. I had one Citi Flex Loan for 3 years at 5.99 %. Citi advertised that I could get another flex loan for 5 years at 6.99 %. I intended this to be a second loan not a replacement for an earlier flex loan. I was surprised by Citi when they sent me an email indicating that my first loan had been paid off. I assumed that the email was a mistake. I specifically had questioned the agent I dealt with on this matter, but he didn't disclose that this was a replacement loan not a second loan. 

The Citi phone menu system makes it nearly impossible to find a person to talk to about the Flex Loan program and when I did get connected to such a person they clearly were not a native, clear speaking agent.
Product: Bank account or service

When someone goes to Wells Fargo bank with a check I wrote to them that is draw on Wells Fargo they want to charge XXXX to XXXX dollars to cash the cause they do n't have an account with them. That is nothing but a ripoff plain and simple, they are just stealing these people 's money. I would hate to think what could happen when I have had it with these type of banks. It 's time the government does something about it before I do.
Product: Money transfer, virtual currency, or money service

I am wroting to express my concerns regarding zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with zelle. Both my financial institution and zelle failed to investigate my claims adequately.
Product: Prepaid card

In XX/XX/2022 I lost my card I immediately called it in. I went to the store to use it I must have dropped could not find it I had to pay cash. 
Did not shut it down and XXXX purchases of THE SAME AMOUNT Was made. 
They sent me a card with only XXXX XXXX XXXX these amounts were not replaced. At the tome of this I had covid and needed my money. In the shelter. Still here in shelter. 
I followed their policy of sending inall my info for their investigation. THIS HAS BEEN GOING ON FOR A YEAR I Have all the emails. THEY DID IT AGAIN TO ME. I HAVE XXXX EMAILS AS WEll. 

The policy for lost cards does not match the actions of the customer service people at incomm which is vanilla gift and the American express XXXX  card XXXX card ( XXXX owed for that card. ) but XXXX covers both gift cards. 

SO INCOMM VANILLA GIFT AND AMERICAN EXPRESS GIFT CARD WHEN YOU LOSE YOUR CARD SOMEONE GETS TO USE YOUR MONEY AND INCOMM WONT DO A PROPER OR ANY INVESTIGATION. I AM OUT TWICE MONEY THATS NOT RIGHT. HERE IN NY THEY SHOULD NOT BE ALLOWED TO DO BUSINESS IN NY UNTIL THERE IS ACCOUNTABILTY FOR THE BUSINESS PRACTICE OF HAVING NO VALIDTY OF DENYING RETURNING THE FUNDS. THEY SHOULD BE MADE TO PUT THE POLICY ON FILE WITH YOU SO CONSUMERS HAVE ACCOUNTABILITY AND ARE ABLE TO GET MONEY OWED IN A TIMELY FASHION. I WANT MY MONEY XXXX XX/XX/2022 I lost my card I immediately called it in. I went to the store to use it I must have dropped could not find it I had to pay cash. 
Did not shut it down and XXXX purchases of THE SAME AMOUNT Was made. 
They sent me a card with only XXXX XXXX XXXX these amounts were not replaced. At the tome of this I had covid and needed my money. In the shelter. Still here in shelter. 
I followed their policy of sending inall my info for their investigation. THIS HAS BEEN GOING ON FOR A YEAR I Have all the emails. THEY DID IT AGAIN TO ME. I HAVE XXXX EMAILS AS WEll. 

The policy for lost cards does not match the actions of the customer service people at incomm which is vanilla gift and the American express XXXX card XXXX card ( XXXX owed for that card. ) but XXXX covers both gift cards. 

SO XXXX XXXX GIFT AND AMERICAN EXPRESS GIFT CARD WHEN YOU LOSE YOUR CARD SOMEONE GETS TO USE YOUR MONEY AND INCOMM WONT DO A PROPER OR ANY INVESTIGATION. I AM OUT TWICE MONEY THATS NOT RIGHT. HERE IN NY THEY SHOULD NOT BE ALLOWED TO DO BUSINESS IN NY UNTIL THERE IS ACCOUNTABILTY FOR THE BUSINESS PRACTICE OF HAVING NO VALIDTY OF DENYING RETURNING THE FUNDS. THEY SHOULD BE MADE TO PUT THE POLICY ON FILE WITH YOU SO CONSUMERS HAVE ACCOUNTABILITY AND ARE ABLE TO GET MONEY OWED IN A TIMELY FASHION. I WANT MY MONEY BACK.
Product: Credit reporting

my bankruptcy was closed and filed XXXX and has been removed from all other credit bureaus expect equifax who is reporting it as active I would like to have it removed from that credit bureau as well
Product: Credit card or prepaid card

When I requested for a Credit Limit increase back on XX/XX/XXXX, never did they mention that I had to wait for 12 months from the time open my credit card account to request for it. There was also no mention of this to me over the phone of a new policy where a limit increase request would now be pushed back to 12 months. Both XXXX from the Line Increase Dept. & XXXX from the Credit Operations Dept. said on XX/XX/XXXX, only these 2 requirements needed to be met : 1. Six months need to pass since the opening of the account 2. Must clear the delinquency on my credit report XXXX delinquent payment XXXX XXXX XXXX ) Once the delinquency has been removed, XXXX specifically mentioned to immediately call back in the month of XXXX, Discover will honor to increase my credit limit in 6 months, and not 12 months. 

So, I called again on XX/XX/XXXX, to request for the promised credit increase. Supervisor XXXX located in XXXX stated that I have to wait 12 months to request a credit limit increase and not the 6 months, which was against what was originally stated in XXXX. The reason was that the policy just recently changed. My request to increase my credit limit was made before the policy change. Never did Discover adhere to disclose back in XXXX that I will not be able to increase my credit limit once the 6 month period was over. I am filing this dispute to make sure that Discover honors the credit limit increase that was promised to me at the time of the initial request.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 a 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 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: Credit reporting or other personal consumer reports

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