23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Subject : Dispute of Debt Collection Account ( Account No. XXXX ) To Whom It May Concern, This letter serves as a formal dispute regarding the collection account reported under my name, originating from XXXX XXXX XXXX and listed on my credit report. I do not recognize this debt, and I believe it may be reported in error or could involve fraudulent activity.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 1681i ), I request that you provide the following within 30 days of receiving this letter : 1. Proof of Debt Validation : Documentation that establishes I am legally obligated to pay this debt.

2. Original Contract : A signed agreement or contract between myself and XXXX XXXX XXXX demonstrating the origination of this account. 
3. Billing History : A detailed breakdown of charges, payments, and any correspondence related to this account.

Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), you are required to provide full and accurate validation of this debt. If the requested validation can not be provided, the law requires that you cease collection activities and remove this account from my credit report.

Furthermore, under the Telephone Consumer Protection Act ( TCPA, 47 U.S.C. 227 ), any telecommunication-related debt must not be enforced using unauthorized or fraudulent information. If this debt was incurred through unauthorized use, such as fraud or identity theft, you are responsible for correcting the record immediately.

If the account is not validated or can not be tied directly to me as the responsible party, I demand its immediate removal from my credit report and confirmation in writing of this action.

Failure to comply with these requests constitutes a violation of federal law and may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as legal action to enforce my rights. 

Please direct all responses and correspondence regarding this matter to the address listed above.
Product: Credit reporting

Be advised this is not request for validation. This account was never verified with a notice that XXXX # XXXXclaim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I am disputing the following information directly with them, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, Trans Union ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX and I am writing to dispute several negative items that have been reported on my credit report. Upon reviewing my credit report, I have found several errors that I would like to bring to your attention. 

Firstly, the following personal information is incorrect : Account Number : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX. These names belong to someone else and should be deleted from my credit report immediately. 

Secondly, the following addresses are incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX. These addresses belong to someone else and should be deleted from my credit report immediately. 

Thirdly, the following personal information is incorrect : Account Number : XXXX XXXX and XXXX. These names belong to someone else and should be deleted from my credit report immediately. 

In addition, there are several accounts listed on my credit report that I have no recollection of ever belonging to me. Specifically, Account Number : XXXX with XXXX XXXX, Account Number : XXXX with XXXX XXXX, and Account Number : XXXX with XXXX. I request that these frivolous accounts be removed from my credit report immediately. 

Lastly, Account XXXX : XXXX with XXXX  has a payment history despite being a charge off. I request that this account be deleted from my credit report immediately. 

I understand the importance of maintaining an accurate credit report and I request that you investigate these errors and make the necessary corrections as soon as possible. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Bank account or service

This morning before work I tried to get gas from the gas station using my Wells Fargo check card. I kept getting an error message, so I decided to go inside and see the cashier. She tried my card same thing happened staying error. I thought maybe it 's ' their ATM machine so I was go to a bank and and get money from the ATM, this process was making me late for work at the hospital but I needed gas to get to work. The ATM said invalid card after trying again several times. At this point I figured I need to call Wells Fargo to find out whats going on and they told me they closed my account. I was shocked and asked why and why I was n't notified they said they sent a letter but did not have to call me. I was so confused and today is payday so I had a direct deposit hit my account from payroll last night. I do not keep cash on me so I have no way of putting gas in my car to get to work. They told me they closed my accounts because someone used my log in information and attempted to deposit a counterfeit check from a company called XXXX XXXX XXXX ( the representative gave me this information ). I said that was n't me and I have no idea how that could have happened because I have not given anyone my information and never have heard of this company. After being transferred from dept to dept and finally getting the Executive office the ending result was All my accounts have been closed including my son 's account who is away at college since our accounts are connected and the only thing I can do is wait for the branch to open to take out all my money. To say I was disappointed and hurt by Wells Fargo lack of communication with their customers after something fraudulent is occurring on their account is an understatement. I believe maybe my account was hacked since it was a mobile transfer into my saving by a possible cell phone virus. I 'd be curious to know if they can track the cell phone number. Wells Fargo did not seem to want to assist me in anyway to investigate this matter they just wanted my accounts closed. My plan was to apply for a home loan with Wells Fargo along with my husband at the end of this year since we 've bank with them so long. I just do not understand how someone could do this to a consumer and the bank does not try to help them or notify them as soon as it happens. This is very disconcerting as someone who trust the bank to monitor their finances. Seems like they did n't believe me and was very cold about the situation asking how would someone get my log in information if I did n't give it to them? The same way criminal break laws and take advantage of companies all the time when the consumer is the victim. This is not just, and is really unfortunate.
Product: Debt collection

I paid debt in XX/XX/XXXX have a legitimate release of liability and the collector that is contacting me 7 months later is saying they will have me arrested if I do not pay them immediately and that they tried serving me twice.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several erroneous entries. The XXXX credit bureaus are legally obligated to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat this reporting accounts as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable accounts listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX Balance : {$850.00} XXXX  XXXX XXXX Balance : {$580.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A person other than me opened an count purportedly with XXXX XXXX XXXX Credit Card Company. The account is not mine. I have sent 3 notices under Section 609 FCRA demanding that XXXX XXXX provide to me certain documents mandated under Section 609 FCRA. It has been over 90 days since my demand under Section 609 FCRA and as of this complaint submission XXXX XXXX has FAILED to provide the mandated documentation under Section 609 FCRA. XXXX  continues to allow the company to report the derogatory item all the while being in violation of Section 608 FCRA. In fact, XXXX  will not even allow for another dispute to be initiated even though XXXX  has failed to comply with Section 609 FCRA by not enforcing Section 609 FCRA with XXXX XXXX.. 

I am attaching notice of a lawsuit filed against XXXX by the FTC fir these very same violations. Neither XXXX  nor XXXX XXXX should be allowed to continue to violate the FCRA. I am also attaching XXXX Notice prohibiting another dispute. Additionally, Experian has an error problem on their document upload it does not allow you to upload the documents. 

It is within the jurisdiction of the CFPB to require both XXXX  and XXXX XXXX to comply with Section 699 FCRA. As of the submission of this complaint BOTH are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

We applied for a XXXX XXXXXXXX XXXX XXXX and XXXXXXXX XXXX on XX/XX/XXXX. We were approved and never received the card but received a bill on XX/XX/XXXX for the {$89.00} yearly fee. 
We called and explained that we never received a card in the mail. We live in an area that doesnt use mailboxes and we have a po box , and apparently XXXXXXXX XXXX  does not send to po box ES so we gave our physical Address but explained that the zip code needed to add 4 extra numbers, which is typical, since the mail carrier would know that we use a Post Office Box. 
The representative said she was entering the situation in the notes and could clearly tell that the card had never been received or activated. She said she would try again as before the card was not received. Yet we did begin receiving late notice charges of {$29.00} for the initial yearly charge of {$89.00} yearly fee for the mileage card. 
We again spoke to a representative, XXXX employee # XXXX on XX/XX/XXXX. We clearly explained we wanted to cancel the card because we never received it and so could never activate it. At this point we were well past the amount of calendar days we had to spend the minimum charges to receive the award miles. He again said he could see that the card had not been activated and he again tried to assure us that the card would be resent and we would have the dates recalculated to receive the miles. 
At this time we are still receiving late fees on a card that we never activated and so this transaction was never finalized. There has never been an exchange of anything of value to constitute a legal transaction
Product: Credit reporting or other personal consumer reports

I have a capital one credit card, but is pre pay ... XXXX dollars from my bank and pay a XXXX dollars limit credit line... ..i use XXXX dollars and pay way before due day and they misslead the creadit sistem ... .i did talk to a employee name XXXX and he was very, very unprofetional... .even say to me ... if i dont like the way the do work XXXX ... ... and i ask what is XXXXand he start smiling like am a stupid ... ..and XXXX, but i dont deserve this treament ... and a few days later the bad report on a credit card pre pay and i pay before due day...
Product: Credit reporting or other personal consumer reports

I am filing a complaint against the credit bureaus for failing to address my disputes regarding inaccuracies on my credit report. Despite submitting the required documentation and filing disputes within the designated timeframe, I have not received any response or resolution from the bureaus. This lack of communication has left me unable to resolve the errors affecting my credit score and overall financial health.

I have made multiple attempts to contact the credit bureaus to follow up on my disputes, but they have not acknowledged my concerns or provided an explanation for the lack of action. This delay and lack of response have caused significant inconvenience, and I feel that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated.

I am requesting that the Consumer Protection Bureau investigate this matter and take appropriate action to ensure the credit bureaus comply with their obligations to respond to disputes in a timely manner. 

My information should be as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Employment should be as follows. 

postion : chief Executive Officer ( CEO )
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is my story : On XX/XX/2022 I found that Equifax decided to keep information my credit file illegally. I have researched the laws that protect me as a consumer against these predators called credit reporting agencies. I have outlined the accounts that will be removed from my credit file. The constant non-compliance from this non government backed agency whom I did not give permission to distrubt my credit file is damaging to my character, reputation, and holding me back from consumer transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the above are the accounts that i found the agency to be be in violation of reporting fotr me personally. 

Upon researching congress website I found Equifax to be in violation of the following violations of The Fair Credit Reporting Act more specifically these law pertaining specifically to my personal credit profile.

15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; As Equifax can see on my credit report they are not being compliant and are not respecting my right as a consumer. The law clearly defines what a consumer report should and should not have. Why are these companies and the information regarding an extension credit and credit transaction showing not only on my credit file but to other lenders as well? that is also an invasion of my privacy. I am not sure the Equifax agent who has been responsible for maintain my credit file but it is suggested that the due diligence be done to research and understand the laws and federal regulations your company is required to follow. 

To further explain, Under the Truth in Lending Act 15 USC 1602g, credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

As you are in violation, the accounts will be removed from my credit report effective immediately. In the event that you continue your non-compliance and continue to report these accounts on my credit file against the clear civil federal laws, I will make it my personal duty as a consumer to pursue further action at the federal level. After you deletion, I expect an updated copy of my credit report uploaded as a response to my CFPB complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX I received an email from XXXX XXXX that a collection account had been placed on my Equifax Credit file. The company name is XXXX XXXX. I disputed this account because I did n't have a contract with this company and I never did business with them. The collection account was removed from my file and now Equifax has allowed them to place this account back onto my file without by law notifying me within 5 days. This account needs to be removed and this company needs to be sanction for improperly places accounts onto consumers files. Please investigate Equifax and make them aware of these are unlawful practices.
Product: Payday loan, title loan, or personal loan

I was lied to by lending club, i borrowed XXXX, XXXX from them to pay my credit cards off. They took out the fee which i understood, but the problem was, they deducted XXXX every month for 3 months, and it is still XXXX that i owe. How is it that i still owe that much when they have been taking {$180.00} for the last 3 months. Either they lied, or they never told about any hidden fees. I want this resolved. I try to talk to them about it and they came up with some poor excuse, about it should go down by XXXX of this year. They took advantage of of me and i want my hiddens fees they took out back. I hope you can resolved this issue. These people are deceivers. Can you please help?
Product: Money transfer, virtual currency, or money service

Cashapp account was closed because I supposedly violated their terms by " gambling. '' I have had this account for over 6 years and have never gambled or did anything to violate terms. Sent in an appeal and was told today that they can only provide that it was closed due to that.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received a letter from XXXX XXXX XXXX XXXX in which they claim to have reviewed their records and refused to remove from my record derogatory information they provided the credit bureaus. This in spite of records from my bank statements listing dates of payment that show I have never been late with my payments due on the XXXX of each month. I also provided to them the court document showing payments for the automobile in question were never part of a Chapter XXXX as they reported. ( see attachments ).  Consequently, I must now ask my attorney for legal advice on how to proceed.
Product: Credit reporting or other personal consumer reports

I recently disputed XXXX XXXX XXXX, to be removed from my credit report. It was removed and then re-added. This alone violates my rights under the FDCPA. Accounts removed should not be re-added. This account does not belong to me and should not be on my report as I am a victim of Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft. And i have witnessed inquiries i did not authorize nor were made aware of. This is holden my credit in a negative position.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... 

I have already disputed with each bureau, but they did not remove nor prove validation. 

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

XXXX ; Experian and XXXX are incorrectly reporting the XXXX  XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and should have been deleted from my credit report. I have contacted the ( 3 ) bureaus however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report.
Product: Credit card

I applied for a student credit card from discover financial that I was pre approved for on XX/XX/2024, and was prompted to submit proof that I am a student. I was not notified before the application process that I would be required to submit such documentation, nor was there any information indicating that such documents must be in English or exclusions of schools that may not qualify, to consider someone a student. In any case I submitted a document with the required information according to the prompt although it was in Hebrew. After submitting my document I was notified by a representative that the document would not be accepted since they could not read it. I was unable at that time to get the required documents in English at that time, and the representative offered to change my application to a non student application, and told me this change would not be able to be undone. I was desperate to get this completed, so I requested she change my application and I was declined. This ruined my already precarious credit score for no reason. On a side note the representative told me that there is a specification on their site that requires all written communication to be in English, however I don't believe a document for verification constitutes written communication, and I also don't believe this information is available to the customer nor is it directed at the costumer.
Product: Money transfer, virtual currency, or money service

I am writing formally to express my feelings towards XXXX ability to handle disputes, specifically in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to not only protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency raises serious concerns about consumer safety.
Product: Mortgage

On XXXX XXXX, 2015 our home went under contract to sell to a buyer that was never qualified to make the purchase. The buyers lender XXXX XXXX of Academy Mortgage knew this all along and continued to make excuses and give our Realtor XXXX XXXX bad information. After refusing to sign a third extension and demanding the buyer meet with a qualified lender we were notified the buyer could never close the transaction. After XXXX under contract the home has now been relisted. Now the buyers realtor and the lender XXXX XXXX are trying to date a denial letter in an effort to return the buyers earnest money to them. XXXX knew all along the buyer could not get financed and used delay tactics to stall us and keep the home under contract forcing us to continue to make double mortgage payments. XXXX XXXX lied about the status of the loan mutliple times, about the ability of buyer to buy, and shared confidential information about the buyer with a third party. My realtor has examples in email form.