23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing in response to a credit report that I recently received, which suggests that I owe you some amount. However, I have not received any documentation or proof substantiating your claims, and I demand that you dismiss all such claims and remove any injurious reporting ( s ) against me. If the reported item ( s ) are potentially deficient in the mandatory document evidence of physically verified factual proof of the truth of the claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, the fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility elsewise of the reporting, and/or the complete and perfect certified Metro 2 format reporting standards, I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer. 

Listed below are the Collections that are being challenged : XXXX XXXX - XXXX " You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, the XXXX XXXX XXXX, and the Federal Trade Commission. Your immediate attention to this matter is expected. '' XXXX - XXXX " You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, the XXXX XXXX XXXX, and the Federal Trade Commission. Your immediate attention to this matter is expected. ''
Product: Credit card

On XX/XX/XXXX, Capital One sent me an email stating the following : Welcome to the family, XXXX! Now that youre approved for your new XXXX card, you should receive it in the mail in 7-10 days. In the meantime, check out your Important Disclosures and Credit Score Disclosure Notice. Then, be sure to download or print and save a copy for your records. 

I did not apply to have this account opened and have since had that account closed and my existing account with them has also been closed because I can not trust that they wont open a new account for me because I am approved for a different card with them. I discovered the account when I received a text from them saying that my card had shipped. When receiving that text I immediately looked at XXXX XXXX and my email and found the hard inquiry on my account in addition to that email from them that was sent to my email on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00}
Product: Payday loan, title loan, personal loan, or advance loan

Requested a loan for {$640.00} XX/XX/XXXX from Wise Loan. I had previously applied for two loans and successfully paid both off. I missed my first installment payment due in XX/XX/XXXX. After receiving notification of missed payment I attempted to go on line and make a payment but was unable to access my online account. I contacted customer service and asked why my access was denied and was told because my account was past due. I was then offered an arrangement to get account current or pay it off. After a lengthy delay of calculations by the representative, I was offered an amount of {$1800.00}, almost 3 times my loan amount. As I reflected on my past loan requests and how I paid them off, I remember being able to go on line and pay more than the XXXX fees which decreased the balance significantly. However, it appears that all they want to collect is the XXXX fees which still leaves me owing the balance of {$640.00}. The transaction ledger indicates the following : paid check # XXXX XXXXXX/XX/XXXX {$150.00} from account ending XXXX. 
Check # XXXX XX/XX/XXXX {$150.00} # XXXX XX/XX/XXXX {$150.00} # XXXX XX/XX/XXXX {$150.00} # XXXX XX/XX/XXXX {$150.00} were not processed from account ending XXXX as the funds were not available and I was in the process of negotiating a reasonable payoff amount. I eventually decided to close account to avoid additional expenses from Wise loan constantly running unauthorized charges. I also responded via email to Wiseloan asking to reinstate my online access or negotiate a resolution, to date I have not received an answer. Meanwhile Wiseloan has reported derogatory information on my credit report which has significantly affected my purchasing power.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose
Product: Mortgage

CitiMortgage is in direct violation of the Fair Credit Reporting Act because they are reporting inaccurate information after I disputed it and had them verify the information that I knew was incorrect. 

I consulted with an FCRA attorney who said that I could possibly be entitled to compensation as a result of this verified inaccuracy. 

1. XXXX is reporting a monthly payment of {$400.00} which is impossible. How can I have a monthly payment when the account has a XXXX balance? 

2. XXXX has terms as 396 months where XXXX & XXXX have XXXX. 

3. XXXX list the status as derogatory, XXXX as paid, and XXXX as closed. How can the same account have 3 different statuses? 

4. The date last active and the date of late payment are different on each credit report as well. 

How can this information be verified and meet FCRA requirements when there is a clear violation going on here.
Product: Credit card

I made a purchase using my Affirm credit card on XXXX. The purchase I made is from XXXX XXXX. My purchase was lost during shipment and I was promise a store credit from XXXX XXXX, however I never received the store credit so I initiated a dispute with Affirm that failed to resolved my issue stating XXXX XXXX follow policy in which the company didn't due to Risk of lost on XXXX website. I haven't received a store credit or refund and Affirm is charging me for a purchase I never received.
Product: Debt collection

XXXXXXXX XXXX Contact information : XXXX XXXX XXXX Claims to have credit card debt under my name. Continuously harasses my father on his cell phone and never calls me. When I speak to them, they state : It is my burden to show proof that the debt is not mine. 
They continuously deny that they call my father. 
My last communication ( XX/XX/22 ), they harassed me with " presenting papers to me '' then hung up on me. 
I have asked repeatedly to stop calling my father. 
I willingly give them my phone number and repeatedly ask to call me and not my father. 

I have called the credit card company two times to make sure I am not crazy. They have no record of me. This collection agency has been harassing me and my father for the last year. These tactics are completely illegal and should be shut down. They do not offer up any more information other than the phone numbers my father provides me with.
Product: Debt collection

I started receiving correspondence from XXXX XXXX claiming I owe {$95000.00} in student loan. They claim I borrowed from Wells Fargo. Wells Fargo is the most dishonest bank, I never consolidated or borrowed anything for school from them. I deeply regret having a mortgage with them and accounts. 
I since looked at NSLDS and my student aid websites. My servicer is in XXXX TX, XXXX XXXX XXXX XXXX. There is no mention of Wells Fargo or XXXX XXXX. The total amount I owe is {$80000.00}. Once again Wells Fargo is trying to steal money and charging XXXX more than what I owe. 
I still have a credit card in my name that I never signed up for. The card was used and charged to the max by my ex boyfriend who lived with me. I was s victim of XXXX  XXXX and XXXX. I was able to get a XXXX  and start rebuilding my life after this ordeal. However Wells Fargo is still demanding I pay this credit card and I refuse to do so. I almost lost my XXXX  and already lost a lot of money from theft and fraud committed by this man. 
This student loan scam is just the latest in the ongoing greed and abuse by Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX PIN : XXXX Copy of Drivers License : XXXX Copy of SSA Card : XXXX Copy of Car Utility Bill Insurance :  XXXX Please remove Security Freeze, Fraud Alert, and Statement I am attempting to purchase a Home ( Mortgage ) and a Vehicle ( Auto Loan ) from all ( 3 ) Bureaus : XXXX, Transunion, and XXXX. 
Please allow lenders to pull my credit. Phone Number XXXX is no longer my phone number. Please remove this phone number. 
Thank you, XXXX XXXX XXXX XXXX The phone number on my personal statement is incorrect. My correct phone number is XXXX and XXXX. 
XXXX  : XXXX XXXX, GA XXXX XXXX  : P.O. XXXX XXXX, XXXX, TX XXXX Transunion : P.O. Box XXXX XXXX, PA XXXX XXXX  XXXX Security Freeze P.O. Box XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Box XXXX XXXX, GA XXXX TransUnion TransUnion XXXX XXXX XXXX. XXXX 2000 XXXX, PA XXXX
Product: Checking or savings account

Dear Director XXXX : My wife and I have been customers of Key Bank for about 25 years. Since about XXXX our Key Bank products with the exception on a Roth IRA have always been in the name of our trust. Our Atty. told us not to change IRA name to a trust. On or about XX/XX/XXXX we closed a Money Market Account that was in the name of our trust and opened a CD in the name of the trust. I brought in the trust paperwork it was copied and I assume submitted. In XXXX the paperwork I received from Key did not indicate the Trust name on the CD. I called the customer service line and they called my branch while I was waiting. The CSR told me that the branch told him someone was working on the account and I would be called in a few days when it would be fixed. Absent a call I went into the branch and all the officers were busy. I was informed by a teller I would get a call from the bank in forty eight hours. Again no call. Around XXXX XXXX I looked at my bank statement and I saw that I was being charged a service fee for the money market account that I closed. I called the Key Bank toll free line and spoke with a CSR. She asked me if I specified that I wanted to close the account when I opened the CD. I said of course. She removed the fee and informed me that I had to go to the branch to close the account because it was in the name of the trust. Agitated I went to the branch and XXXX XXXX, a visiting officer, closed the MM account and changed the name on the CD to the trust. Finally a banker who offered what Key advertises ; PERSONAL SERVICE ; as opposed to at best impersonal service and at worst prevarication. I thanked XXXX XXXX for helping me. After he changed CD to the name on the trust I told him that if he had not ; I would complain to the CFPB. I thought the matter closed. Today XXXX XXXX told me that the branch wants me to bring my trust paperwork in again. Key Bank certainly believed that I had the same trust documents when they refused to close out a XXXX balance MM account over the phone. Are those documents lost as well? Is there someone who audits existing accounts for documentation?
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment reporting on my credit report with your agency. The late payment ( s ) in question were reported during my XXXX forbearance period with XXXX XXXX. I have enclosed documentation supporting my claim that these payments were not late but were satisfied as part of the forbearance agreement. 
Account Information : Account Number : [ XXXX ] Creditor Name : XXXX XXXX I entered into a forbearance agreement with XXXX XXXX due to financial hardships caused by the XXXX XXXX. As per the terms of the forbearance agreement, I made all required payments in a timely manner and fulfilled my obligations under the agreement. There were no late payments during this period. 
Enclosed with this letter are copies of relevant documents, including the forbearance agreement, payment receipts, and any correspondence confirming the satisfaction of the forbearance agreement. These documents clearly show that the late payments reported on my credit report are inaccurate. 
I request that you investigate this matter and update my credit report accordingly to reflect the accurate payment history during the forbearance period. Please provide me with a written response once the investigation is complete and the necessary corrections have been made to my credit report. 
Thank you for your prompt attention to this matter. If you require any further information or documentation, please do not hesitate to contact me at XXXX. 
Sincerely, XXXX XXXX
Product: Student loan

Back in the late XXXX 's, I had to file for Chapter XXXX and Chapter XXXX bankruptcy. 
Relief from my student loan obligations was denied. I was later contacted by ECMC and told that I had 3 days to pay off my $ XXXX balance that was in default or the amount would double. I had no money at the time and no resources to pay off the balance. How can the law allow any entity to do this? If I just filed for bankruptcy, and couldn't afford a single payment, it is evident that I could not pay off a balance of $ XXXX in 3 days! I did some research and reached out to XXXX  XXXX. They had a program that would allow me to consolidate my student loans providing I was able to make 3 consecutive monthly payments first. I was able to pull the money together and XXXX XXXX consolidated my loans with ECMC. What I didn't know at the time is that ECMC had increased my $ XXXX balance to $ XXXX and THEN sold them to XXXX XXXX. I have since paid over $ 120K ( over $ 600/month for over 17 years ). I still have an outstanding balance of $ XXXX. That's over $ 260K for $ XXXX of student loans! I believe that I have more than met my commitment in repaying the $ XXXX and I'm requesting assistance going after ECMC for doubling my initial loan amount ... ..which would be paid off by now. I further believe that ECMC has been allowed to engage in a VERY predatory practice. I can provide documentation upon request. Thank You for your consideration.
Product: Credit card or prepaid card

On XX/XX/2022 I sent in a Tender for Payment using a coupon or whats known as a Negotiable Instrument. This instrument was signed and endorsed according to Uniform Commercial Code 3-603. I stated in the letter attached to the payment that if the tender was rejected, to please send it back and I would supply another form of payment. Instead of acting in good faith, Capital One closed my account and gave a very vague reason as to why. They also did not mail back my tender for payment. since the Tender for payment was not given back to me, to my knowledge is has been accepted, Therefore i would the amount tendered to be credited to my account as well as reopening my account or a new one. 

On XXXX, XXXX 2022 is sent out a Opportunity to Cure Tender for payment letter which they still have not replied to.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I've requested your proof of verification over 2 times and I have yet to receive any forms of verification on either Account. The inaccurate information falsely manipulates my credit worthiness and it is hurting my ability to obtain credit. Experian failed to investigate these accounts properly after repeatedly asked to have proof of verification. In Accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI section 611, subsection A-D, please provide the names and business addresses of each individual with whom you verified the accounts below, so that I may follow up. If you can not produce the information that I am requesting then I demand these items be removed. PLEASE SEND ALL PROOF OF VERIFICATION OR DELETE THESE ITEMS IMMEDIATLEY!! 

XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX
Product: Payday loan, title loan, or personal loan

I have a home equity line of credit with PNC bank in addition to my mortgage payment with them. I have set up both my mortgage and home equity line of credit with a direct debit from my checking account to pay the balances every month. In XX/XX/XXXX PNC bank changed their internal payment process and it somehow wiped out all of the direct debit accounts for home equity lines of credit. I received a letter in the mail on XX/XX/XXXX that I had missed a payment. 

I called PNC bank on Tuesday XX/XX/XXXX at XXXX XXXX in a phone call that lasted 24 minutes. I asked how I could be late when my account is direct. They said it was an internal error and that I was not late and that I did not owe a payment at all and that the late payment letters had been sent out in error. I asked if I needed to make a payment over the phone and was told that I did not. 

On Tuesday XX/XX/XXXX at XXXX XXXX I received a threatening phone call from their collections department. She said that it was my fault that the bank had not pulled my direct debit. I then told her I could prove there was more than enough in the account. She then backpedaled and said that I would have to figure out why the payment didn't come out. I told her I had called previously on on XX/XX/XXXX and I knew it was an internal error. She then transferred me to a PNC customer service rep who was honest that ALL of the errors were in fact PNC 's fault. He then asked me to sign in online to the PNC payment portal to make a payment for XXXX. He then told me that due to PNC 's error I just needed to pay for XXXX and that they would be liable for XXXX. 

I submitted an electronic payment through the PNC website on XX/XX/XXXX. It did NOT state the amount just that the payment was for the month of XXXX which would be for {$580.00} On XX/XX/XXXX my XXXX account was debited for {$1100.00} which is TWICE the amount. I called chase on XX/XX/XXXX and had them stop payment on the check. 

On XX/XX/XXXX I get a letter in the mail saying that I have now missed a payment and need to pay it. 

On XX/XX/XXXX at XXXX XXXX  I called to see why I was again being charged for payment that they said I was not liable for. They said that even though their customer service rep was on the record as telling me that I did not owe them for the month of XXXX that I did now need to pay for the XXXX. But that they wouldn't charge me a late fee. 

I have done everything right and I have never missed a payment in the whole history of this account. It is not my fault that their internal system went down and then when I did call to make a payment they told me TWICE that I didn't need to. Now my budget is shot and I paid {$580.00} on XX/XX/XXXX. 

Please have them pull all of the tapes and records of the phone calls and have them on the record as being liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit card

I have fallen victim to a scam of an online gaming/casino site. My understanding as to the rights I have as a consumer is that I have the ability to dispute charges that were made from a company that provided products that were not provided as advertised. I tried to dispute the charge in the amount of {$1000.00} on my Chase Freedom Unlimited Card, but am unable to get my money back due to Chase Bank not doing their due diligence initiating an adequate investigation. I have written letters to and tried to dispute these charges with Chase Bank, explaining what happened. I have not yet paid any of the charges due to me still disputing the charges with them. Chase Bank has told me they are reporting it to the credit reporting bureaus. It will/already has hurt my credit score. I am not satisfied with the results of the disputes made with Chase Bank. I don't feel like they made a valid effort on their part to assist me as a customer and consumer. I did not see any evidence of any real effort on their part to determine whether or not XXXX XXXX ( XXXX XXXX XXXX ) was in fact an illegal scam site, designed to lure people like me and steal their money. There was no effort to figure out what exactly happened to me either, for example, the merchant locked my account and stole the money. In my own investigation, I have learned there are multiple lawsuits against XXXX for operating an illegal gaming site and for fraud. Chase Bank has not conducted any sort of investigation into the veracity of these complaints, which it should have done. Attached here are three pieces of evidence proving that XXXX XXXX is a scam website, stealing victim 's money and not providing what is advertised. Exhibit A : XXXX is forced to cease operation in Delaware. Exhibit B : XXXX faces class-action lawsuit in Georgia. Exhibit C : XXXX and XXXX regulators increase pressure to shut down XXXX. I also deserve my money back because of Fair Credit and Billing Act ( FCBA ) and Federal Law ( 15 USC 1666i ). See attached law.
Product: Credit reporting or other personal consumer reports

I have been XXXX XXXX XXXX XXXX XXXX and all accounts and inquiries on my credit report are fraudulent.