23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a friend in Iowa, I met on XXXX. We 've been friends for over XXXX years, I 've been currently dealing with my mother in the hospital and was shocked to receive a message from her stating that she had been receiving a call from " XXXX '' so she finally answered it. The caller said his name was XXXX XXXX and he was looking for me. That I had a debt to take care of and he proceeded to give her his number and reference number and asked to pass on this message. 

From what I gather, this act is completely illegal. We 're not related, I have never put her number down on anything in regards to being my number or personal reference. So I do not understand as to why they were able to call someone that way. 

I called the company this morning and XXXX did n't have much to say about in regarding this matter or why she just said that I put this number down as my point of contact. 

I 've had one number, one. and I 've had my XXXX account opened longer than I 've known my friend. so I assume they were trolling the people I 've sent money too which I 'm assuming is also an illegal tactic.
Product: Credit reporting or other personal consumer reports

information being reported on my consumer report does not belong to me.
Product: Credit card

After a recent evaluation of my credit report/score I noticed that my credit score had gone down from over XXXX ( excellent ) to around XXXX ( poor ) without having any credit or financial issues. 
Curious as to what had happened, I learned that the sole cause of this distress was the merger of XXXX XXXX and XXXX XXXX and their credit card programs. 
I was issued without request a new credit card, and desiring only XXXX card, my old credit card was erroneously terminated. 
I had used the card since XX/XX/XXXX as my main credit card, but as a result of this mix up, my history now no longer goes back to XX/XX/XXXX but only to XX/XX/XXXX. Another involuntary effect of the change of card was that my credit line went from XXXX to XXXX, triggering a high usage ratio. 
This loyal US airways/XXXX card customer has contacted the issuing organization, but all they are willing to do is increase the credit limit on the new card, after pulling and lowering my credit score even more, and not restore the longer running card and restore both my credit limit, history and consequently report/scoreIt will be clear that this reply is not acceptable and that further discussion as well possible legal actions are contemplated as:1. I did not request the new card issuance. 
2. Implied was that the old card was to be replaced going forward. 
3. Not enough care, explanation and implication was provided to an unknowledgeable consumer when approaching the issuing organization to only have XXXX card and terminate the older one. 
4.Financial and reputational damage is incurred. 
Finally, not a legal argument, but a loyal and credit worthy customer as of XX/XX/XXXX deserves a better treatment. 
Therefore I hereby request through the appropriate channels to either reinstate/merge my former US airways/XXXX credit card or increase the credit limit on the new XXXX/Barclay card accompanied with a communication to the XXXX credit rating agencies, restoring my credit report and score.
Product: Credit card or prepaid card

On XX/XX/2023 a double payment of {$230.00} was made to XXXX. I immediately informed Netspend of the error. Netspend refused to return the duplicate payment stating they must investigate and it would take ten to 45 days before a provisional credit is applied on an obvious error. As of this day a provisional credit nor the return of my has not processed on my verified account. Every representative I've spoken with has given the same response of " we are investigating you must wait. '' Why is returning my money taking so long to be returned? Especially, when it was an obvious error.
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 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. 

XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX/XXXX  XXXX, XXXX XXXX   XXXX XXXX and XXXX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute these fraudulent accounts following information that appears on my XXXX, Transunion, and XXXX report for fraud. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

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

My name is XXXX XXXX XXXX and this statement is being composed by myself. These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B permissible purposes of Consumer Reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts listed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the required documents, including a letter from an advocacy group helping me as a victim of XXXX XXXX through debt bondage. This situation falls under XXXX  as defined by the XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ). 

I kindly ask you to block this information from my credit report within four business days, as required by Section 605C of the Fair Credit Reporting Act. As a victim of human trafficking through debt bondage, I request the removal of all related items and the deletion of any company information from TransUnion. 

Please take action to remove the following items : XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$6000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXXXXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and a couple of fraudulent accounts have plagued my credit reports and I've made several attempts to have them removed, but to no avail : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The is a general complaint with gift cards from XXXX or XXXX that are given as gifts and are supposed to be able to be used in a store without registering the card, or online after registering the card. If you try to use it in a store there will be a hold put on it and may not be able to be used until you call them and they send you another one. It is a soft sham by US Bank National Association ( XXXX.XXXX  ) who, after receiving money for the purchase of the card do everything they can to keep from parting with their easy money. One easy question for you : can you not require the company to provide accounting on what percentage, and how much, of the income from their gift card purchases are actually paid out? They have even thought of this by saying that the account remains open forever. Come on guys. Have you really not looked into this? Every person so know has received one of these cards in the past 5 years.
Product: Credit card

Sure, here is a simplified version of the letter addressed to the CFPB : -- - *XXXX XXXXXXXX XXXX XXXX 2004 XXXXXXXX XXXX XXXXt XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Subject : Complaint Against Capital One for Breach of Contract and Failure to Issue 1099-C** Dear Sir/Madam, I am writing to file a formal complaint against Capital One Financial Corporation for breach of contract and failure to issue a Form XXXX following the cancellation of my debt. 

Despite settling my outstanding account with Capital One, I have not received the required Form 1099-C, which is crucial for my tax filings. My numerous attempts to resolve this matter with Capital One have been unsuccessful. 

I request that the CFPB investigate this issue and ensure that Capital One complies with its contractual and regulatory obligations by issuing the necessary Form 1099-C.If in fact a cancellation did occur Thank you for your
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that the same accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX  XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX Inquiry Date XX/XX/XXXX. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # 1 : DEPT OF ED/XXXX  Account # XXXX Account # 2 : DEPT OF EDXXXX Account # XXXX They are are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.
Product: Credit reporting or other personal consumer reports

I want to inform you that I have been a victim of identity theft. This letter serves as a formal dispute of the following account on my credit report. This account is fraudulent and Im not sure how the theft took place on my report. The bank has already removed the account from the other bureaus and Im wondering why you still reporting this on your bureau. This is driving me nuts on what kind of dispute process are you doing. Please delete this remaining account from your bureau XXXX XXXX  XXXX
Product: Debt collection

XXXX claims I owe them money. My account has always been on automatic payment status and to my knowledge I do not owe them any money. XXXX XXXX is terriible to disconnect service from. I paid over {$500.00} for a phone that had long been lost. When I returned my cable boxes I tried to take care of the phone while in the office but was unable to. The only way is via phone. Really!
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX {$19000.00} XXXX XXXX {$12000.00} XXXX  XXXX {$1000.00} XXXX XXXXXXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$70.00} XXXX XXXX   XXXX {$140.00} XXXX XXXX {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company my disputes on XX/XX/XXXX with full details on what accounts were erroneous and I needed to be removed. The account I disputed was linked to somebody whose last name is XXXX who lived in XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CA XXXX. 
In the dispute, I attached documents to proof that The name and address wasnt mine. I attached my Identity documents as proof of my address and Names which categorically differentiate from the person on the account that was supposed to be mine. 
But to my surprise, this company refused to delete this account even with the overwhelming evidence from my identity documents. For yet another time, this account is not mine and I need deleted immediately : XXXX XXXX # XXXX, Date Opened XX/XX/XXXX, Original Balance {$350000.00} Attached here with is the dispute letter I sent this company, my Proof of address where I have been living since then and my Driving License which states my names fully. Any name thats not on my Identity documents is not mine.
Product: Debt collection

On or around XX/XX/XXXX, an account was opened and later reported as a derogatory collection account by LVNV Funding LLC. The reported balance of {$950.00} has been inaccurately reflected on my credit reports with XXXX, XXXX, and XXXX. 

I have disputed this account with the credit bureaus and the company multiple times, yet it remains inaccurately listed. The account has been reported as a collection/charge-off and seriously past due, despite my formal dispute. On XX/XX/XXXX, LVNV Funding LLC again reported this account, further impacting my credit profile.

I have requested proper validation of this debt, including proof of ownership and documentation verifying my obligation to the amount claimed. However, LVNV Funding LLC has failed to provide sufficient evidence to substantiate this claim. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate reporting and validation of debts before any further collection efforts.

I am requesting immediate removal of this account from my credit report and cessation of all collection efforts until proper validation is provided. If the company fails to comply, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports, and I noticed that I had some inquiries on a bureau that I was never applied for XXXX XXXX XXXX have assumed a vital role and I have a responsibility to report consumer information to the best of their ability with maximum accuracy I have never been applied for t ( he XXXX XXXX XXXX XXXX/XXXX/2023, XXXX XXXX XXXX XX/XX/XXXX2023 and Td Auto Finance XXXX/XXXX/2022, In accordance with the Fair Credit Reporting Act, the list of accounts I already mentioned has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1581. 
DELETE THE ACCOUNT FROM MY CONSUMER REPORT TRANSUNION
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am acting on my own as a natural person and consumer. 
There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
These companies DO NOT have lawful authority to report these items as it's in VIOLATION of my privacy and these companies are required to have tax documents on file stating they charged items off with my WRITTEN consent. 
Please delete these items listed below IMMEDIATELY! 
NAMES - XXXX XXXX | XXXX XXXX | XXXX XXXX I XXXX  XXXX XXXX XXXX XXXX | XXXX XXXX XXXX | XXXX, UNIQUE ADDRESSES - XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, OH XXXX | XXXX XXXX XXXX XXXX XXXX, OH XXXX | XXXX XXXX XXXX XXXX, OH XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX | XXXX XXXX XXXX XXXX XXXX OH | XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX | XXXX XXXX XXXX XXXX XXXX OH XXXX HARD INQUIRIES - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  XXXX XXXX {$1400.00} | XXXX XXXX XXXX  {$430.00} XXXX XXXX XXXX XXXX {$1200.00} | XXXX  {$1000.00} | XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX  A {$520.00} | XXXX XXXX A {$600.00}
Product: Checking or savings account

Hello, At this point this has been a couple years, but I opened up a Saving account with Marcus Savings and I transferred 2 amounts from my XXXX XXXX account and a couple days or week later I called to check on my account. The 2 amounts were around $ XXXX $ XXXX. I was told that my account was closed and the amount was being sent back to XXXXXXXX XXXX I literally never did anything fraudulent or something against the law for you to close my account abruptly. I was literally a brand new client for at least a few weeks at the time so this had to be a mistake. Please allow my account to be reinstated or open another Saving Account. I look forward to hearing from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time disputing these accounts that is showing on my report inwhich is not mines and possibly could be the after affect of XXXX breach, I been told that these accounts been verified, but the real question is verified by who and supported by what physical documentation. According to the F.C.R.A., once disputed and not physically verified the reporting agency is to remove it from ones report. However, this is a serious issue when one doesn't comply. The accounts that's in question and needs to be removed are XXXX XXXX XXXX, and all of the XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX  XXXX : XXXX has 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 29 It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Said company " XXXX XXXX XXXX '' has refused to validate an alleged debt that they continue to report to all three credit bureaus. I have contacted the company back in XX/XX/2017 requesting validation of the alleged debt they claim I owe. Upon sending numerous letters requesting the company send me a ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. Upon further research I have come to the conclusion that a ) this account is closed. b ) the account has been sold to a third party collection agency. Also upon my own research the third party company is not the company reporting on my credit file. It is XXXX XXXX XXXX account number XXXX that is on my credit file.How is this? The account has been sold they are no longer in possession of it. As per FCRA this is ILLEGAL. XXXX XXXX no longer has the debt, it has been placed with a new office. This is unacceptable, first off XXXX XXXX has refused to validate the debt as I requested which is my LEGAL RIGHT, but they are also continuing to attempt to collect on a debt they no longer own. Please be advised that under the FAIR CREDIT REPORTING ACT Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ), your company is required by Federal Law to verify through the PHYSICAL VERIFICATION of the ORIGINAL SIGNED CERTIFIED  CONSUMER CONTRACT of any and all accounts you request to be posted and or reported on a credit report. Also be advised FAIR DEBT COLLECTION PRACTICES ACT Section 809. Validation of debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgement, or name and address of the original creditor, is mailed to the consumer by the debt collector. Please see attached documents of the validation requests I submitted to both world finance and the third party company as well as the refusal letter I received on their behalf. This is unacceptable and I am extremely unsatisfied with the outcome and response from XXXX XXXX XXXX and there blatant attempt to not follow the law.