23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally dispute the validity of a debt reported by Nationwide Capital Services on my credit file. I sent multiple requests for validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). To date, I have not received any response from your company.
Product: Credit reporting or other personal consumer reports

Fraudulent apartment in my name XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

They were not suppose to fund the loan until the project was completed. They funded a solar panel loan in XXXX of 2020 and the project is still not complete. I have no way to pay this loan for an incomplete project and pay the power bill. They are refusing to work with me on this. They also keep attempting to pressure me into a home mortgage refinance even though I have told them to stop several times.
Product: Debt collection

At the beginning of 2021 I made an agreement with discovery to settle a debt around XXXX. the settlement offered was a reduction to around 65 % under de condition that for the first 5 months I would have to make a minimum payment of XXXX dollars after that the reduction would be applied to the balance. This conversation took place Through their chat service. When I asked for confirmation the discovery representative told me that it was not necessary because everything will be saved on the chat. 3 months later discover started harassing me even though i was making payments as agreed. Now discover says that there is not agreement and that the chat that can prove the settlement never took place. They are still charging me the whole amount and the balance has not been reduced as agreed.
Product: Credit reporting or other personal consumer reports

I've been trying to obtain my credit report from Equifax since XX/XX/2023. I can not log in to my Equifax account, and they make it extremely hard to talk to a live person. I do take in consideration of security purposes, but can not say if that's all of the intent. I also couldn't get my Equifax report through annualcreditreport.com as well. I think it is unfair for these private corporations to be able to make it difficult for consumers to access anything in the name of " security purposes ''. I also couldn't speak to anyone to opt ouy of my data being sold and shared amongst other things I would like to opt out of. It's XXXX thing to have these regulations in writing, but it's another to abide by them and enforce them.
Product: Debt collection

Hey i recently sent in a lot of letters starting all the way back from XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX and im still in the process of getting all of the negative items off my credit report. The credit bureaus keep sending me " stall letters '' in the mail and " verification '' letters and i recently sent them a " method of verification '' letter in the mail and a " failure to respond '' letter also in the mail since they didnt respond to the letters i sent all the way back in XX/XX/XXXX, so i dont know what to do at this poin. I would really appreciate your help at this point. Thankyou for your time and have a wonderful day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX Delete account for failure to perform an investigation per fcra regulation XXXX XXXX Delete account for failure to perform an investigation per fcra regulation XXXX XXXX XXXX Delete account for failure to perform an investigation per fcra regulation XXXXXXXX XXXX XXXX Delete account for failure to perform an investigation per fcra regulation XXXX  XXXX XXXX XXXX Delete account for failure to perform an investigation per fcra regulation * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file.

also in accordance with the fair credit reporting act XXXX XXXXhe accounts listed above have violated 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 a account without my written instructions. 



Thank You, XXXX XXXX
Product: Debt collection

On XX/XX/2021,XX/XX/2021, XX/XX/2021 I sent in a request for validation to said company Fair Collections Outsourcing ( FCO ). Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g 30 days is given to investigate or respond to said request for debt validation. I have not received any correspondence back from company regarding validation! It is now XX/XX/2021. It is a violation of collection practices act for a debt collector to refuse to send validation notice or fail to respond to my request letter. 

Pursuant to the Fair Debt Collections Practices Act, 15 USC 1692g- VALIDATION OF DEBTS, you are only to sent the following within 5 days of initial communication : ( a ) Notice of debt ; contents Within five days after the initialcommunicationwith aconsumerin connection with the collection of anydebt, adebtcollector shall, unless the following information is contained in the initialcommunicationor theconsumerhas paid thedebt, send theconsumera written notice containing ( 1 ) the amount of thedebt ; ( 2 ) the name of thecreditorto whom thedebtis owed ; ( 3 ) a statement that unless theconsumer, within thirty days after receipt of the notice, disputes the validity of thedebt, or any portion thereof, thedebtwill be assumed to be valid by thedebtcollector ; ( 4 ) a statement that if theconsumernotifies thedebtcollector in writing within the thirty-day period that thedebt, or any portion thereof, is disputed, thedebtcollector will obtain verification of thedebtor a copy of a judgment against theconsumerand a copy of such verification or judgment will be mailed to theconsumerby thedebtcollector ; and ( 5 ) a statement that, upon theconsumers written request within the thirty-day period, thedebtcollector will provide theconsumerwith the name and address of the originalcreditor, if different from the currentcreditor.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

XX/XX/XXXX U.S. Bank agrees to settle a credit line balance for a lesser amount ( {$1200.00} ) with the condition that this settlement balance be paid by XX/XX/XXXX. 

XX/XX/XXXX payment sent to U.S. Bank for {$400.00} XX/XX/XXXX payment sent to U.S. Bank for {$400.00} XX/XX/XXXX payment sent to U.S. Bank for {$400.00} I thought this settled account was complete. 

XX/XX/XXXX U.S. Bank debits my checking account for {$1600.00} and references the account number of the settled account. 

XX/XX/XXXX I called U.S. Bank recovery department and was told that my settlement agreement was cancelled because they did not receive the settlement balance owed. I explained that 3 payments were sent via XXXX. I provided front and back copies of the 3 checks to XXXX XXXX at U.S. Bank. 

XX/XX/XXXX I called U.S. Bank recovery department again, this time speaking to XXXX XXXX. XXXX said the offsets of the checks was being researched but he would follow up with me on XX/XX/XXXX. 

XX/XX/XXXX I emailed XXXX XXXX at U.S. bank recovery department. He replied via email that the investigation was complete and 2 of the check payments were applied to another account in error. XXXX said adjustments would be made and my account would be marked 'settled ' and that a manager would return the {$1600.00} back to my checking account. 

XX/XX/XXXX I followed up with XXXX again, expecting that my checking account would have the credit posted by now. XXXX said his department was waiting on another department to process an adjustment transaction, and that has to be done before my checking account could be credited for the {$1600.00} that was taken in error. 

I am frustrated that the bank knows this was their error and they still have not credited my checking account for debit that shouldn't have happened in the first place. The bank processed 2 of 3 payments incorrect, the account number of the account being settled was on all 3 checks.

Attached are images of the 3 check payments.
Product: Credit reporting or other personal consumer reports

A case of identity theft. I sent in the proper picture ID info and was never contacted from an investigation on a password reset.
Product: Credit reporting, credit repair services, or other personal consumer reports

US BKPT CT TN XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to XXXX   that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX  XXXX XXXX  Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX/XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed + 'icon ' Processed XXXX/XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed  + 'icon ' Processed XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed + 'icon ' Processed filed ftc
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I have filed and submitted a request to correct all incorrect information on my credit report with all three bureaus. I have waited the 30 days for the results and nothing was corrected! There are numerous inaccurate addresses and accounts on my reports. Per FCRA regulations and requirements 15 usc 1681i ( 5 ) I am entitled to a fair and Accurate credit report. There are numerous accounts reporting to only one or two of the bureaus in question. That in itself should be enough to delete some or all of inaccuracies on my reports! I am a XXXX  mother of XXXX  XXXX  children and am in need of buying reliable transportation and housing. I can not do either, do to the inaccuracies on my credit report! I am submitting this to correct any inaccuracies across all three bureaus and request immediate remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion stated that they removed a late payment on my account and its still not reflecting on my report. Complaint # XXXX XXXX
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site XXXX XXXXXXXX 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 checked my credit report and saw that there was inquiries that were not authorized an I called to get them removed and was told I could n't. I informed them that I was a victim of their inquiry issue and they still said no.
Product: Credit card

Subject : Unauthorized Credit Accounts and Violation of TILA I am writing to bring to your attention a series of concerning incidents that have occurred while I was incarcerated in a work program by the FDC. It has come to my attention that several credit accounts were opened without my knowledge or authorization during this period. I would like to provide a detailed account of these incidents and seek your assistance in resolving these matters. 

Firstly, in XXXX, I filed a tax refund check with the IRS. Due to the verification of my identity, the refund was not released until XX/XX/XXXX. However, during this time, my checking account with your institution was closed. It has come to my attention that Navy Federal Credit Union did not return the {$5300.00} check to me. Instead, it was applied to my credit card account. I want to emphasize that I never signed any disclosure granting a security interest in my checking or savings account, nor is there any record to support this action. 

Furthermore, I took the necessary steps to protect my credit and financial information by notifying the credit bureau in XX/XX/XXXX about the fraudulent accounts that were opened without my consent. This was done in accordance with the proper procedures to block the information associated with these fraudulent accounts. 

It is my understanding that Navy Federal Credit Union 's action of applying the {$5300.00} check to my credit card account, without returning the funds to me, may constitute a violation of the Truth in Lending Act ( TILA ). I have taken the initiative to file a police report and an FTC report regarding this matter, which I have attached for your reference. These reports provide additional evidence of the situation and highlight the potential violation of TILA by your institution. 

I kindly request your immediate attention to this matter. I would appreciate a thorough investigation into these incidents and a prompt resolution. I request that you provide me with a detailed explanation of the unauthorized credit accounts, the handling of the tax refund check, and the application of funds to my credit card account. Additionally, I would like any charges or fees associated with these actions to be reversed, and the {$5300.00} check to be returned to me. 

I am open to discussing this matter further, and I would appreciate your prompt response within [ specify a reasonable timeframe ]. Please provide me with a written acknowledgment of this letter and a timeline for resolution. 

Thank you for your attention to this serious matter. I trust that you will address these concerns promptly and take the necessary actions to rectify the situation. I look forward to a satisfactory answer.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a Barclaycard Visa with XXXX XXXX. Please note that I already hold a MasterCard  issued by Barclays and that my FICO score is in excess of XXXX. On XX/XX/XXXX, I received a letter requesting copies of my social security card, driver 's license and bank statement or utility bill with my name and address. I contacted Barclays and they told me that these documents were required to establish my identity. After that conversation, I copied these sensitive documents and mailed them to Barclays as requested. On XX/XX/XXXX, I mailed copies of my social security card, drivers license, bank statement, electric bill and a copy of my owner information and parcel description from the XXXX XXXX Real Property Tax Records. Throughout the month of XXXX, I have made numerous calls to Barclays and asked for the status of my application or to return my identification documents to me. They have done neither. Meanwhile, I received letters dated XX/XX/XXXX & XX/XX/XXXX requesting the information that I have previously sent to Barclays! Today, I called Barclays and this time, I was told that application was denied but the representative could not tell me the basis for the denial. Meanwhile, I am extremely worried that Barclays has lost my identification documents and I am at serious risk of identity theft due to their incompetence. Also, I am very concerned about the effect that a denial of credit will have on my FICO score. I have spent a lifetime maintaining a stellar credit rating which is now being jeopardized by Barclay 's negligence. Finally, please note that I am a senior citizen and that I believe that I am also a victim of age-related credit discrimination.
Product: Checking or savings account

Since XX/XX/2022, my checking account has been assessed a - {$25.00} monthly service fee. The account has existed for years and had never been subjected to such a fee. Citibank claims this fee was assessed because the balance in the account was below the " minimum '' requirement and, allegedly, I agreed to such a fee when opening the account. 

The balance in these accounts has remained stable. In other words, there were no withdrawals in the years leading up to such fee assessments. Why did the monthly service fees suddenly start in XX/XX/2022? 

Upon calling and bringing this matter to Citibank 's attention, I learned that Citibank had unilaterally transferred this checking account ( and a savings account of mine ) to inactive status. This was despite my consistent monitoring of the accounts via the Citibank mobile app and Citibank website. 

In order to switch the account back to " active '' status, I was told to mail a signed declaration to Citibank 's service center requesting they " update my date of last contact ''. I followed these directions and the accounts are now active ; however, requests for reimbursement of those monthly service fees assessed while my accounts were in " inactive status '' have been repeatedly denied.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint I Filed an FTC identity theft affidavit to report 15 fraudulent accounts apeearing on my consumer fico XXXX credit report which I do not recognize as reported and which are the results of identity theft and fraud. These fraudulent accounts consist of a collection account opened at 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 these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer fico credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage loan with Shellpoint Mortgage Company was in deferment during Covid in XX/XX/2021. I contacted Shellpoint to remove the deferment as of XXXX I went through a trial period and passed. I was later offered another plan that would reduce my payment and negate the current plan. My mortgage resumed active status in XXXX after a FedEx package was delayed due to XXXXCovid related delays. I now have late reporting on my credit report due to the mishandling of my file. I was originally told that the lates would stand because I missed a XXXX deadline. I later have an email and tracking number that states the package would not arrive to me until XXXX. I was told the negative reporting would stand due to not being returned by XXXX when the package had not even been received by XXXX. I am now experiencing major delays on my new build because of these erroneous reports and I am unable to speak to any one at Shellpoint who has the authority or the want to help resolve this issue.