23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Sent in a certified Validation of Debt letter to company, asking specifically for a contract stating that I owe the company money for a debt without any contract showing. I have not received any correspondence from company at all. This was sent out via certified mail on the in XXXX and stated received via USPS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

I am writing to report that XXXX, along with other credit reporting agencies, failed to investigate and remove inaccuracies from my credit report. Despite my dispute requests, the following accounts and amounts remain incorrectly listed and should be removed per credit reporting laws, specifically under **the Fair Credit Reporting Act ( FCRA ), Section 1681i**, which mandates that credit reporting agencies investigate and correct any inaccuracies within 30 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- $ XXXX XXXX XXXXXXXX XXXX {$650.00} / XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX {$420.00} I request that you investigate this matter and ensure these accounts are removed from my credit report, in compliance with the FCRA. 

Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate again the unverifiable items and update them immediately in my report! 
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 XXXXXX/XX/XXXX
Product: Debt collection

I received a demand letter from Unifin Inc on XX/XX/2022. Upon checking my credit files to properly start the disputing process Ive noticed XXXX XXXX XXXX reported the same debt with the same account number from the same alleged creditor. Proper documentation from XXXX XXXX XXXX was NOT provided to allow XXXX XXXX XXXX to verify the accuracy of their data before placing their account with the credit bureaus for collection. XXXX XXXX XXXX are not honorable with their collection attempts. I would like for XXXX XXXX XXXX to prove via mail that I was allowed the opportunity to dispute their debt. 

It appears that Unifin Inc and XXXX XXXX XXXX are debt XXXX demanding a debt on behalf of XXXX XXXXXXXX XXXX. I have not received any goods or services from Unifin Inc, XXXX XXXX XXXX, nor XXXX XXXX XXXX and I do not know how Unifin Inc, XXXX XXXX XXXX, or XXXX XXXX XXXX received my private information. Unifin Inc and XXXX XXXX XXXX do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to Unifin Inc XXXX XXXX XXXX XXXX XXXX 

I am not a party to any agreements that Unifin Inc and XXXX XXXX XXXX XXXX or may not have with XXXX XXXX XXXX. I am not responsible for Unifin Inc and XXXX XXXX XXXX purchase / transfer from XXXX XXXXXXXX XXXX. I have not agreed to pay/tender anything to Unifin Inc XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. 
Please be advised that Unifin Inc, XXXX XXXX XXXX, and XXXX XXXX XXXX will each received validation notices via certified mail. ( I will upload proof upon request ) Each reply outside of the CFPBs portal, must be delivered via the US postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. 

With proof attached; please be advised that neither : Unifin Inc, XXXX XXXX XXXX or XXXX XXXX XXXX are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.
Product: Credit card or prepaid card

I tried to redeem my membership rewards points today, XX/XX/2021, for a flight reservation but this redemption, wasn't successful and it flagged my account to go under reveiw. This also happened a few months ago when I tried to redeem my points for a flight reservation on XX/XX/2021. My membership account went under review at that time and the review process was completed 2 months ago. How many times per year does American Express need to review membership rewards accounts? This's my second time during this calendar year and every time it takes up to 3 months for an account to be unfrozen. I found this unreasonable and needs further explanation and more transparency from the company. I will not pay the {$590.00} annual fee for the XXXX XXXX card ending in XXXX unless I have access to my points, I'll not pay for a card I don't have access to its benefits, such as points redemption.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXXXXXX XXXX  due to their failure to properly validate and verify an account listed on my credit report. This complaint concerns violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX has not provided adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they have not supplied sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The entire time that I have had this XXXX card, they have incorrectly done things to my account. They have never sent me a statement to my mailing address, they completely got my name wrong on my card, they wouldn't accept my payments in store, just constant headaches. My biggest headache is that they have tarnished my credit with a late payment in XX/XX/2017. Don't know where it came from, asked them to send detailed documentation showing where statements were going, payments that were made, and everything else.
Product: Debt collection

I had received a notice in the mail that XXXX had turned my account over to collections. As I was no longer a XXXX customer I asked the CCS for a detail explanation of why I had a past due amount with XXXX. I never received a detail copy of the charges but continued to receive phone calls demanding payment. As the payment amount was only a few hundred dollars I paid it AFTER the representative indicated that they would DELETE any information on my credit report with a full payment. I have never received any documentation that proves this debt is mine and that equipment was never returned. This was in 2017 and today it still is on my credit report.
Product: Money transfer, virtual currency, or money service

Money was sent to cash app XXXX XXXX XXXX I reported it to cash app and the did not give me any information of the person that received the funds. 

Reported with cash app XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to JPMCB - XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in 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 XXXX XXXX AV XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXXBalance XXXX {$420.00} ; XXXX XXXX NA XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to the CFPB to request, pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), that you, Equifax, block the information on my credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes loans, a credit card, and other accounts from the following companies : Account # XXXX : XXXX-Account # XXXX with a bal. of {$320.00} Account # XXXX : XXXX - Account # XXXX with a bal. of {$7000.00} Account # XXXX : XXXX - Account # XXXX with a bal. of {$1700.00} Account # XXXX : XXXX - Account # XXXX with a bal. of {$460.00} Account # XXXX : XXXX - Account # XXXX with a bal. of {$3000.00} Account # XXXX : XXXX XXXX - Account # XXXX with a bal. of {$910.00} Account # XXXX : XXXX - Account # XXXX with a bal. of {$5000.00} Account # XXXX : XXXX - Account # XXXX with a bal. of {$7000.00} Account # XXXX : XXXX - Account # XXXX with a bal. of {$17000.00} Account # XXXX : XXXX XXXX LL - Account # XXXX with a bal. of {$3200.00} Account # XXXX : XXXX XXXX - Account # XXXX with a bal. of {$2600.00} Account # XXXX : XXXX XXXX XXXX - Account # XXXX with a bal. of {$1300.00} Account # XXXX : XXXX - Account # XXXX with a bal. of {$9200.00} Account # XXXX : XXXX ( XXXX XXXX ) - Account # XXXX with a bal. of {$3200.00} Account # XXXX XXXX ( XXXX XXXX ) - Account # XXXX with a balance of {$130.00} These accounts have resulted in multiple hard inquiries and fraudulent collections showing up on my XXXX credit report. I do not recognize any of these accounts, collections, or hard inquiries, and none were opened, initiated, or authorized by me. They are entirely the result of identity theft and fraud. 

To support my claim, I have attached a copy of my FTC Identity Theft Criminal Complaint ( Complaint # XXXX ), which confirms that these accounts, collections, and hard inquiries are associated with identity theft, as verified by the U.S. Federal Trade Commission.
Product: Credit reporting

I disputed several accounts in XXXX with Transunion and failed to receive proper update on credit report after investigation was completed. I asked for validation of debt and did not receive. I am requesting validation of debt belongs to me due to recent fraud/identity theft. If unable to provide the accounts should then be deleted from my credit file as previously requested. The accounts are listed below : XXXX XXXX- Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX- XXXX BANKRUPTCY- REF # XXXX Please ensure that debt has been validated otherwise under the FCRA please remove from my credit file.
Product: Debt collection

This is regarding a response to my CFP complaint filed in XXXX, wherein the credit collector continued the pattern of lying. 1- The offer to allow me to pay affordable payments was made over the phone, and the agreement was entered into over the phone, and recorded. The alleged letter ( attached ) is something Ive never seen until now. 2- Neither the letter nor the actual agreement prohibited my paying more each month. By paying a large lump sum, I did not go outside of any any term or condition. 3- The recording would also prove that they agreed to no negative credit reporting if I paid on time.

4- The lump sum caused the account to be paid in full, and they stopped pre-authorized monthly debits, of their own accord, based upon their own records. 

As to XXXX XXXX I indicated last week that I was willing to pay the mysteriously appearing {$100.00}, if they could prove to me that there had been a mistake, even though it would have been their mistake and not mine. My offer was refused. 

I was also refused, by XXXX, copies of documents and communications between us including statements. I was told that the communications we had with each other were theirs and proprietary, even my statements! 

Both of these companies are hiding the truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

the company XXXX XXXX XXXX tried to collect a debt that i never owed with then and the day opened was on XX/XX/2022 for a debt that was never owed with an innacurate amount and bought from another company. when i never signed any documents with this debt collector and must be removed as soon as possible. 

In Accordance with the Fair Credit Reporting act XXXX the Account from, XXXX XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C 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
n account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account.
Product: Credit card or prepaid card

This is probably the worst experience Ive ever had with a banking institution, and I highly highly recommend that people do not open a credit card with XXXX XXXX bank . On XX/XX/XXXX I made a payment to that card and several hours later saw that it appeared that that money was taken off my account, but I wanted to make sure. So I called synchrony banking services, and the representative confirmed that they received the payment, and the money was taken off my card, and not to worry about it then Sunday or Monday I got an email from my primary banking institution, letting me know that my account was overdrafted. When I looked into this more I noticed that the overdrafted charge was from XXXX  XXXX rightly so I was extremely upset and I contacted them they were very unhelpful, and they did say that the person I spoke to would be reprimanded and spoken to about this situation. I then called back today to confirm this information and to get additional so that I understood. And todays experience is easily the worst Ive ever had. The lady said that there was no way XXXX of them could look up when I made that XXXX who I spoke with, and that when I open the car, there was a disclosure about the payment process, and when I spoke to the original person, they also made a disclaimer. When I asked them to verify that this person didnt make that describe her to me they said they were unable to. When I mentioned that the person before, so they would be able to eat. She said that is not true we are unable to. And I said the time of the payment I did have enough money, and the women said well thats not our fault, you should manage your money, better
Product: Credit reporting, credit repair services, or other personal consumer reports

I downloaded the app XXXX XXXX  yesterday for the first time and I noticed I had several accounts that didn't belong to me. So, I decided to pull my report and I noticed several accounts that are not mine. XXXX XXXX {$11000.00} XXXX  XXXX {$900.00} XXXX XXXX XXXX {$33000.00} XXXX XXXX {$88000.00} XXXX XXXXXXXX {$21000.00} XXXX XXXXXXXX {$320.00}
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. 


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 XXXXXX/XX/XXXX 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 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 XXXX5 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish an 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: Prepaid card

i got an amex prepaid gift card issued by american express at XXXX but ive had a lot of trouble using it since. i can only really use it in one spot and even that is a little iffy because in order for it not to decline i have to manually put in the information each time to make the transaction. i originally wanted to use it on etsy but it refused to work saying that the bank declined it. everywhere i have tried to use it declines and it has put me in difficult situations ( having to pay with my other card thats for emergencies only )
Product: Credit reporting or other personal consumer reports

These first two companies, XXXX XXXX XXXX XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX were not authorized to do a hard pull on my credit report. This companies, XXXXXXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX I do not recognize at allXXXX XXXX These companies I do not recognize, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XXXX TransUnion
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

Your company is reporting an account XXXX XXXX XXXX XXXXXXXX with incomplete account information. Update the full and complete account number without stars or delete this account due to incomplete account information. Failure to provide an accurate credit report without omissions will result in me filing a lawsuit against your company for willful noncompliance.