23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

See letter. 

Wells fargo continues to not address any statements or evidence presented in this letter. The only thing they did respond to is their employee telling me that any losses on credit cards are a tax write off for Wells Fargo. If all calls between my phone ( XXXX XXXX XXXX ) and theirs are listened to that conversation will absolutely be heard. They are either lying, inadequately researching the problem, or deleted the conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am promised accuracy on my consumer credit report by federal law. Im making secindattempt to have these errors corrected on my consumer reports under 15 USC 1681. All verified information must be promptly removed as you can see in your system you can not verify these accounts so Im requesting you remove the following accounts XXXX XXXX XXXX XXXX, amount {$2500.00} A total of XXXX XXXX XXXX XXXX XXXX amounts {$1300.00}, {$3100.00}, {$3800.00}, {$3800.00}, {$7600.00}, {$1300.00} {$4900.00}, {$5900.00}, XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX Account XXXX amount {$570.00}
Product: Credit card or prepaid card

I received an email from American Ex Expeess saying I have been preapproved for the American Express gold card, offering me XXXX points as an introductory offer. Of course, when I applied, I was denied. I contacted them about this and they said pre-approved means that I still have to apply and can be rejected and that these offers are automatically generated. 

Having your credit report pulled for your application to be ultimately declined has a negative effect on your credit score. 

I also had to waste time, reading the email, reading and filling out the application, contacting asking about this, and then finally time used to fill out this report
Product: Debt collection

Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Madam, I am writing to formally address an issue concerning the collection practices and reporting inaccuracies associated with my account. Please refer to me as the XXXX in all related communications. 

**Account Information : ** - **Account Holder : ** XXXX XXXX - XXXX Number : ** XXXX - **Address : ** XXXX XXXX XXXX XXXX XXXX XXXX  XXXXHarassment and Abuse 15 U.S. Code 1692d : ** I have been subjected to daily phone calls from your company over the past XXXX months, which constitutes harassment and has caused me considerable distress and trauma. This conduct is a direct violation of 15 U.S. Code 1692d, which prohibits any form of harassment or abuse in connection with the collection of a debt. I am requesting that Navy Federal Credit Union immediately cease all collection efforts and communications related to this account.

**False Representation 15 U.S. Code 1692e ( 2 ) ( A ) : ** Furthermore, I have noticed discrepancies in the representation of my account balance. Under 15 U.S. Code 1692e ( 2 ) ( A ), it is unlawful to falsely represent the character, amount, or legal status of any debt. If the balance owed pertains to a bank account, it should be shown as a negative amount. However, the balance is currently shown positively, which is a false representation and mischaracterization of the debt. This incorrect representation misleads and confuses the debtor, violating federal law. 

Additionally, I have not received a 1099-C form for this account, which should have been provided if there was a cancellation of debt. The account has been closed and charged off, and as such, if there were any remaining debt, it should have been accurately reflected in the account balance.

**Request for Action : ** Given these violations, I demand the following actions be taken immediately : XXXX. Cease all collection efforts and communications regarding this account. 
XXXX. Correct the false representation of the account balance to accurately reflect the status of the debt. 
XXXX. Provide a written confirmation that these actions have been completed. 
XXXX. Send me a copy of the 1099-C form if applicable to this account. 

This letter is being copied to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) for their records and further investigation. 

Failure to address these issues promptly may result in me seeking further legal remedies to protect my rights under federal law. 

I expect a prompt and thorough response to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission ( FTC XXXX Consumer Financial Protection Bureau ( CFPB )
Product: Debt collection

XX/XX/2017 XXXX XXXX XXXX, AZ XXXX GM Financial XXXX XXXX, TX XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim my account was charged off {$18000.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Debt collection

In XXXX my credit was flagged for collection by a company called XXXX XXXX XXXX, on XX/XX/XXXX i spoke to XXXX from XXXX XXXX XXXX and had a 3 way call with XXXX at the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, that XXXX XXXX XXXX was collecting for ( XXXX XXXX who had flagged my credit for collection, XXXX explained that the Charge had been covered 100 % by their XXXX XXXX XXXX XXXX XXXX said that they would remove the collection on my account. Then on XX/XX/XXXX my account was flagged for collections again loosing XXXX XXXX to my credit score, this time it is a company called Credit Management Company, caller id appears as XXXX XXXX XXXX I spoke to a woman who's name/email is XXXX, They are collecting on the same XXXX XXXX XXXX account XXXX XXXX XXXX charges ) that were paid for 100 % by the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Something is very wrong with this and my credit is suffering badly and I am not at fault. XXXX was suppose to close the account on XX/XX/XXXX and now it seems like more collections keep flagging my credit on the same account.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX  I statrted getting emails from true accord saying I owe XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received a 1099-C form from the creditor, which would indicate that the debt was cancelled or forgiven. Without this form, I believe it is inaccurate and unfair to report it as a write-off on my credit report per code 6050p of the Internal Revenue Service .

As a responsible borrower, I have always made an effort to pay my debts on time and in full. Therefore, it is particularly distressing to have a write-off reported on my credit report, especially when I have not received any notification or documentation indicating that the debt has been cancelled or forgiven.

I request that you investigate this I have not received a 1099-C form from the creditor, which would indicate that the debt was cancelled or forgiven. Without this form, I believe it is inaccurate and unfair to report it as a write-off on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A demand for verification of debt was presented to XXXX and Experian by my attorneys twice and XXXX as well and they have failed to respond on either occasion causing for immediate and permanent deletion of the reported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquires on my report as of XX/XX/2022 I want them deleted as I did not receive anything for these inquires and It brought my score down and made it impossible to obtain products for personal and family use. I have tried contacting the company who 0auhorized these inquired but they denied having any fault to the inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

I was solicited by an XXXX XXXX XXXX employee to find promotional offers to lower my monthly phone and internet bills by someone who was going door to door. She was apparently a 3rd party vendor with access to XXXX & XXXX client information. She was able to view my accounts and make changes/order new services to my phone and internet account. Without authorization or my knowledge, the rep ordered additional services under my name which would later be reported to my social security number where I received two unauthorized credit inquiries. The rep said they would simply cancel the order after I told her I didnt want or need that. 

After speaking with XXXX XXXX XXXX they looked at the drivers license on file used to order and it was not even my drivers license number. The rep apparently put down bogus information along with my real info like my name and address, which I did provide. I never gave my social or authorization to run my credit nor order any services at all. The XXXX XXXX XXXX customer service agent said it did look like it was fraud and submitted a request to remove the inquiries on my credit and canceled all orders pending from that rep. According to them it would take 60-90 days and I have not seen any changes or have heard from anyone about any solutions. Both the fraud and the request to remove the inquiries by XXXX XXXX XXXX were done in XXXX.
Product: Mortgage

The Foreclosure memorandum i California ended XX/XX/2021 Select Portfolio Services clearly didn't follow the Foreclosure memorandum by sending my account to a foreclosure lawyer on XX/XX/XXXX I tried to make a house payment and they took the last two I gave but they denied me access to my online account to make a online payment I also called and the woman I spoke to told me i could no longer make payment my mortgage has been sent to a lawyer his mortgage server should not be allowed to practice in California for not not following the mandated State rules. They are trying to steal my house while breaking the law by sending it my mortgage to a lawyer on XX/XX/2021 My HUD representative said they are not following the California Foreclosure memorandum nor trying to work with their customers who have been affected financially by the Covid epidemic My HUD councilor told me to tell them if they would be patient and wait for Covid mortgage relief assistance I told her I seriously doubt they want to help anyone I tried in good faith to make my house payment and they denied me WHAT DOES THAT TELL YOU???? THEY ALSO TOOK IT UPON THEMSELVES TO PURCHASE HOME INSURANCE WITHOUT EVEN ASKING ME IF I HAD MY OWN ALREADY THEY JUST WANT TO ADD MORE MONEY TO MY ACCCOUNT
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Reporting differently on all credit agencies- payments should show that they are all on time. 

CREDIT COLLECTION SERV- This is not my account it has been erased from XXXX but still being reported on XXXX and XXXX XXXX This should be deleted from all bureaus. 

XXXX XXXX XXXX- This company is reporting misinformation which is not consistent on all 3 credit bureaus. this is not my account and should be deleted. 

XXXX XXXX XXXX This account is a redundant account under a different dept collector. I do not own this account. it should be deleted. they are reporting inaccuracies as well. 

CREDIT COLLECTIONS- This account is still showing up on my XXXX account when it should be deleted. It has been deleted from other bureaus. this account should be deleted. 

XXXX XXXX XXXX XXXX  this account is showing inaccuracies. this account should have been closed in good standing but they are still reporting like the account is still open when it isn't. this account should be deleted. 

CREDIT COLLECTIONS- This account has been deleted from my XXXX report but still showing up inaccurately on my other bureaus. This account should be deleted. 

Overall these accounts should be deleted from my credit report i have sent numerous letters to them and the creditors. They are still holding on to information which is illegal.
Product: Checking or savings account

They keep logging me off and keep my account inactive because of fraud which there is no fraud. I log into my account to try to transfer money or get money out and it says to give them a call I give the fraud department a call and they said that they can't validate my account even though I have every question right security question and everything they said I can't validate my account because my phone number I went back and switched my phone number to the old phone number so I can try something and they said now that the old number is not valid and I since I updated a new number they have to wait I am stuck outside of town sleeping in my car with no food no gas and no money to get medication because these idiots won't help me and they just hang up after a while how what kind of customer service is that they just hang up on their clients I switched over from XXXX XXXX XXXXXXXX because of what's going on XXXX XXXX XXXXXXXX and Citibank is pretty much as worse as XXXX XXXX XXXXXXXX this is ridiculous my money is stuck in there they're holding my money hostage and I can't pay for anything I can't use my money I can't use my card.they are super XXXX and I don't know how MasterCard can have business with them. Stay away from Citibank they are the worst believe me do not put your money in there you have such a headache so much stress it is not worth it keep your money away from them
Product: Credit reporting or other personal consumer reports

Credit companies, TransUnion, XXXX and XXXX are using my personal information and making it public without my written consent.
Product: Consumer Loan

This situation with MODERN FINANCE has reached the limits. ALL THIS HARRASMENT FROM BOTH parties. I 'm being harassed and targeted for no reason therefore I 'm taking all necessary steps to secure my safety by all means necessary. Another civil theft has happen by Modern Finance third party XXXX personal information was once shared with this third party without my consent. MODERN FINANCE INTERNAL PERSONEL ( Collections Department ) Stated the only way for the vehicle to be redeem was that I walk in to there location with the full amount of the debt. soon as I Began to ask questions I could not get a straight answer and then he stated that I need to talk softly to him and then he just hung up. That shows the unprofessionalism that this certain entity lacks of. This is do to the erroneous information that MODERN FINANCE failed to keep up to date, monthly statements never came how they were supposed to. If they think that they are gona continue to do this they are wrong my next step will be to push this threw the courts and hold XXXX XXXX and Modern Finance liable on there face for any additional fees I come by.all my receipts and paper copies show all the erroneous data from Modern Finance. there for hope that CFPB can help with this situation again for the forth time.
Product: Debt collection

On XX/XX/18 I submitted a complaint on my collection case to XXXX XXXX XXXX   via CFPB. 
Please refer to the complaint case # XXXX-XXXX for original complaint, now closed with my feedback with CFPB. 
I was advised by CFPB to open a new case to proceed and to reach with an explanation from XXXX XXXX XXXX as the above case is closed. 

Dates : XX/XX/18 Submitted original complaint. 
XX/XX/18 Company responded with their findings. 
XX/XX/18 Sent certified mail reply to company with my findings and explanations. 
XX/XX/18 Company sent my case to Collection Bureaus without a reply back to my mail submitted on XX/XX/18
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

During an application for a car loan, I discovered that there were many errors in my Credit Reports with all three credit bureaus ( Equifax Information Services , LLC ; XXXX ; and XXXX XXXX XXXX ). I respectfully sent a request letter to them to investigate, delete, and forward me the names and phone others of all the people they contact, any documentation as well as a new Credit Report within 30 days per Fair Debt Collection Practices Act ( FDCPA ). 

To my dismay and surprise, I have not received any documentation evidence as stated in all my XXXX letters I sent to all three credit bureaus ( Equifax Information Services , LLC ; XXXX ; and XXXX XXXX XXXX ). 
I feel it is an intentional action by these credit bureaus to gain from the errors in other peoples credit reports so that we as consumers can pay for very high interest loans as I am paying now. Per Fair Debt Collection Practices Act ( FDCPA ) reuglations they are supposed to investigate any errors and notify me if these have been done. 
I am about to file a law suit against all the credit bureaus ( Equifax Information Services , LLC ; XXXX ; and XXXX XXXX XXXX ) ; and before I do that I report it to CFPD.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is turning into a serious problem! This company is not responding back to me, and after several attempt sending them my proof of identity, and disputes going back starting in XXXX with no response what so ever, i'm getting ready to contact an attorney! They are required by law to respond back to me no matter what! Also are required to send me my annual credit report, and handle any disputes i have. I have inaccurate info that is hurting my score and are refusing to look into it. I have a previous complaint with this company Complaint # XXXX, and has asked me for my proof of identity to be mailed to them which i have done 5 times already with no response back what so ever!!! I am not going to keep sending my proof of identity to them if they are going to ignore my letters!!! 5 times i have sent out my proof of identity and not one response back, or credit report! I did everything on my end, but they are clearly not checking their mail, or ignoring my disputes! I will hire an attorney and file charges if they do not get the act together. I have no issues with the other 2 agencies, and can not blame the worldwide shut down on it as an excuse because this is going back to XXXX before the shutdown! I just sent 2 more letters in the mail with again my proof of identity this time by certified mail. I have included my proof of receipts as proof! I am loosing my patients with them and am not having any issues with XXXX XXXX, or XXXX! I am including my proof of identity, the letter they sent me asking me for my identity, my request for my annual credit report, documentations of disputes, in this complaint! This is the final time sending these in before i hire an attorney to file charges! This is not legal and is a violation of my rights under the fair credit reporting act!!! If they changed their address, then they need to let everyone know. They currently have multiple addresses and have sent it to the address on the letter they sent me, and to a different address that is on the web.I use the same address for years.
Product: Money transfer, virtual currency, or money service

A payment was sent to my PayPal account on XX/XX/2019. As of XX/XX/2019, the transaction does not appear on my account. Customer support initially said it would post in 30 minutes on the afternoon of XX/XX/2019. When they didnt happen, customer support said it would post the morning of XX/XX/2019. Nothing has been posted, although PayPal immediately withdrew the funds from the payers account. This is the third time I have dealt with this type of issue with PayPal. They take at least 3 business days to release the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a 10k credit limit with American Express. I NEVER missed a payment and had a 100 % payment history. Once the pandemic hit I still managed to pay AMEx with no problems I made it a point to no be late or miss a payment In hopes I would have the extra 6k that I didnt spend for emergencies which was strategic. Then I receive a letter in the mail that they reduced my credit limit from 10k to 5k for no reason at all. Stated that they checked my credit report without my consent and said I fell not the risk category. Even though I never missed one payment or was late EVER. Which in turn made my credit report drop drastically because now it looks like I maxed out my credit cards and live off my credit took my credit score from XXXX to now XXXX! XXXX also decreased my credit limit as well all around the same exact time XX/XX/2021 time frame and my credit has been messed up every since when I was paying on time. How is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection on my Experian report that has been paid in full and constantly reports an account type of collection. This account is closed and paid in full please fix this.