23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As a Consumer, Im requesting additional information to prevent Fraud and Misrepresentation from Debt Collection Company Fair Collection & Outsourcing.

1 ) Please provide Proof of Ownership of the Alleged debt, including proof of Assignment, and provide proof for any change of Ownership.

2 ) Please provide Proof of any interest or fees that have accrued or been added.

2. Please provide a completed SSA XXXX which is required to be completed when a third party ( Fair Collection & Outsourcing ) desires to verify the Social Security number of an individual.

3 ) Please provide Proof of a completed ( SSA XXXX  form ) which is required to be completed when a third party ( Fair Collection & Outsourcing ) desires to verify the Social Security number of an individual.

4 ) Please attach and provide all meaningful and accurate disclosures of the terms of leases of personal property for personal, family, or household purposes that enable comparison of lease terms with credit terms.

Thank youXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  failed to send me a statement on an account that had a XXXX  balance, they charged a {$5.00} annual fee which I told them I wanted to pay all at one time and they refused to take a {$60.00} payment for the year. They then reported this to the credit bureau as a delinquent account. I had no knowledge they had charged me and no knowledge this was late. When I called on XX/XX/2020 to get some clarification they hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

LANIER COLLECTION AG Reported : XX/XX/2019 {$200.00} LANIER COLLECTION AG Reported : XX/XX/2019 {$380.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debt can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute with XXXX on XX/XX/2023, and with Expeiran on XX/XX/2023 about the {$940.00} dollars that XXXX has on my credit report however its still there
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, have recently been denied credit. I'm looking on my credit report and see some inaccurate information regarding late payments and an open credit card that are closed. with inflated balances. I wish for these tradelines to be investigated and removed from file if found inaccurate or incomplete. 


XXXX XXXX XXXX xxxxxx XXXXXXXX XXXX  XXXX xxxxxxxxxxx XXXX XXXX  XXXX xxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also there's a consumer statement that I would like removed. 

Inquiries I do not have an open account nor have I've done business with these individuals, person or corporations. 

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

On XX/XX/2023 I contacted your bureau by certified mail to dispute incorrect entries listed on my credit report. It is my understanding that you must send me the results of my dispute within a reasonable time ; however, as of the above date, I have not received a response from you. Please update/delete the incorrect information I have disputed and send me an updated copy of my credit report. Also, please include the names and addresses of the companies or individuals who were directly checked with in regard to this matter. Attached is the dispute letter I sent your company which is dated and time stamped..
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report on XX/XX/XXXX and noticed that a company XXXX were reporting 90-120 days late. I don't recall this to be the case so I sent them a certified return receipt letter on XX/XX/XXXX and on XX/XX/XXXX asking for verification of the late payments with my signature. They sent me a copy of my contract. I am not disputing the debt as this account is paid off. I'm disputing the error in my payment history that are being reported. I sent certified letters to all 3 credit bureaus and did not get anything resolve with them either. I did not get anything back from any of them showing this reporting is correct. I don't believe it is fair to report this error without giving me proof of such. I am requesting that they provide my proof of these late payments or delete this error right away. This is gravely affecting my credit scores and needs to be removed immediately. I am sending a letter today to the Attorney General Office and the Better  Business Bureau as I want this to be taken care of right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps sending " unable to verify identity '' while trying to obtain a loan. 

unable to reach Experian agent to correct or investigation the issue.
Product: Credit card or prepaid card

On XXXX, XXXX XXXX I obtained a finance credit card with TD XXXX  Card Services for the purchase of a new XXXX XXXX XXXX, I traded my old XXXX XXXX with a credit of {$500.00} to be applied to my account with TD XXXX  Card Services along with the purchase of a new laptop my account balance would be {$1500.00}. 

As of XX/XX/XXXX, I had made {$1300.00} in payments for this account. As of XX/XX/XXXX my balance from the {$1500.00} after all of my payments made is {$1300.00}. When I inquired about the problems with the current balance I was informed that I had been overcharged by fees from XXXX. Therefore none of the payments I had made to reduce this balance would not be reflected. 

TD XXXX  has since put a claim against my credit, they refuse to correct the charges and credit my account. XXXX has denied they have over charged my account and I am being harassed on a daily basis by TD XXXX  Card Services for payment. 

I have contacted both XXXX and TD XXXX Card Services and each deny culpability in the billing errors on their part and I think that it is unfair that I keep trying to pay off a balance when none of the monies paid for this account are reflected. 

Please help.
Product: Vehicle loan or lease

On XX/XX/2020 I used the " payoff your loan '' function when logged into my account with Kia Motor Finance to pay off my auto loan for a XXXX XXXX. The software said I needed to pay {$17000.00} to pay off my loan that day. 

I submitted payment for that amount. {$22.00} was applied to outstanding interest and {$17000.00} was applied to the remaining principal balance, leaving a difference of {$18.00} that I was overcharged. 

There is no email functionality or chat functionality on the website, only the customer service phone number. I called on XX/XX/XXXX explaining that I used the payoff your loan function, that it overcharged me, and how to get my refund. I was told a check would be cut in 30 days and then take 1-2 weeks to arrive via mail. 

It is 121 days later and I have made eight calls to the customer service number. I have been told multiple reasons as to why I still do not have the amount I was overcharged refunded, including that payment processing denied the refund because the account was already paid off. In multiple other instances the service requests are closed/denied with no explanations or agents were told they need to send various emails internally. All of those requests and emails are denied or ignored. I have reached the point where I have spoken to the third tier of customer support ( after being told I can't talk to anyone above the second level for weeks ) and am told the only thing they can do is to continue to send emails to payment processing. They can provide no estimate of when the refund will be processing, only that it should have gone out after 30 days. 

I believe that the payoff your loan function of the website is deliberately coded to overcharge customers and that the internal processes for getting your money returned are purposefully designed to fail and stretch out the time for the company to hold onto the funds.
Product: Credit reporting or other personal consumer reports

XXXX and Experian has several different names reporting on the consumer report as well as unauthorized soft inquires and accounts i have sent letters to all parties requesting valid contracts with my signature as well as 1099c for verified accounts.
Product: Credit reporting or other personal consumer reports

XXXX yesterday there is a hard inquiry on my credit report and I never gave consent
Product: Credit card

My card expired XXXX XXXX. I have requested a replacement card on 3 separate occasions ytd and have not been able to receive one. I have inquired about why I can not be issued a replacement card. I have been insured that a new card would arrive in days. Then I receive a letter from the company stating that a new card can not be issued. No one can explain to me why. I have spoken with personnel from the Customer Service, Billing, and Collections. My card number was changed and I was not given that information either. Last month, I received an annual membership charge from the company for a card that I can not receive.
Product: Money transfer, virtual currency, or money service

capitol one will not let me link my bank account that i have with them to my XXXX account, theyre blocking my access to my own account
Product: Checking or savings account

Of course, here 's a revised and improved version of your text in English : Regarding complaint IDs XXXX and XXXX : The bank requested some notarized documents, which I have sent, but the account is still locked. When I call the agents, they do not accept my phone number as an authentication option, even though it was registered in my profile on XX/XX/XXXX. 

I moved to XXXX on XX/XX/XXXX and can not easily visit a branch because the closest one is located in Connecticut. I have spent money sending the required documents and urgently need access to my savings because, unfortunately, my last salary was sent to the locked account. 

You can use this XXXX tracking number XXXX to confirm the documents reception Please provide a real solution. I am still receiving bank mails at the address registered in the account, but it is quite curious that the letters containing the code to unlock my account have not arrived.
Product: Credit reporting or other personal consumer reports

Based on.

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 an 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!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer rep560er 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 n agency WRITTEN CONSENT to report anything on my consumer report which viol rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Checking or savings account

I was a longtime Wells Fargo customer. Checking, Savings and Mortgage... I know there is damages claim currently active and Wells Fargo is supposed to be contacting me and informing me how to file my claim. 

I have not received any communication through them.
Product: Debt collection

XX/XX/2018 I went to check my credit and to my surprise a medical bill that I knew nothing about was listed. It was from XXXX XXXX XXXX XXXX for {$890.00} and the creditor was Ability Recovery Services. Well from my understanding I signed a HIPAA form when I go to the doctor or a hospital, which states that I only allow them to discuss my medical information with whomever I put on the form. That medical debt collection agency does not have permission to access my medical information. Im asserting violation of HIPAA based on improper disclosure of the medical procedure, and to get a resolution pertaining to the disclosure of the medical procedure. violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency and bureau.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally. I am a victim of unfair practices. Someone used my personal information to acquire credit with out my consent or authorization. please assist me with Deleting these items from my credit reports, effective immediately. 
These fraudulent accounts consist of the following : Company or Organization : XXXX XXXX or Organization : XXXX Account Number : XXXX Total fraudulent amount : {$3200.00} Company or Organization ; XXXX Account Number : XXXX Total fraudulent amount : {$3100.00} Company or Organization : XXXX XXXX  Account Number : XXXX Total fraudulent amount : {$170.00} ____________________________________________________ Company or Organization : XXXX XXXX or Organization : XXXX Account Number : XXXX Total fraudulent amount : {$3200.00} Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Total fraudulent amount : XXXX Company or Organization : XXXX  XXXX Account Number : XXXX Total fraudulent amount : XXXX Company or Organization : XXXX XXXX  Account Number XXXX XXXX Total fraudulent amount : {$3200.00} Company or Organization : XXXX  XXXX Account Number : XXXX Total fraudulent amount : {$170.00} ____________________________________________________ Company or Organization : TRANSUNION Company or Organization XXXX XXXX Account Number : XXXX Total fraudulent amount : {$3200.00} Company or Organization : XXXX XXXX  Account Number XXXX XXXX Total fraudulent amount : {$3200.00} Company or Organization : XXXX XXXX Account Number : XXXX Total fraudulent amount : {$170.00}
Product: Student loan

I am on XXXX for XXXX I have been trying to work with nagvientXXXX. I have sent in paperwork to try to get my student loans forgiving. Now I am in default. I do n't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection company ( XXXX XXXX ) is reporting a fraudulent account on my consumer report. I did not give this company permission to run my credit and have never opened an account with them. I would like this company to delete this off of my consumer report from Equifax and XXXX. Thank you.
Product: Debt collection

My credit was hit with a insurance company XXXX  in which I did not renew with them and went with another company. XXXX went up and I did not resign with them. I did not sign a new contract with them. I let this one go and signed up with another insurance company.
Product: Credit reporting or other personal consumer reports

A letter was sent to all XXXX credit reporting agencies that XXXX XXXX  is not holding me responsible for the debt reported on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXXXXXX 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 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 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, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a client I now have legal rights that are granted to me to secure me from misinformation being accounted on my own credit report. At this time I need to make a petition AGAIN for investigation before I visit my attorney for information on how to handle inaccurate and unverifiable things that are on-going to be confirmed as real. Kindly produce me with a copy with the contract settled or voice chat where I authorized billing me in this particular account. Otherwise it is advisable to CORRECT this from my credit based on the Fair Credit Reporting Act. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX $ XXXX Late Date XX/XX/XXXX
Product: Payday loan

I have receive several emails from a company that I do n't know and do n't remember receiving a loan they are threatening jail time prosecution and etc ... I tried to call the number twice and either it does n't ring or it is busy and the one time that I did get through I could n't understand the person and then when I started questioning him he hung p on me.
Product: Checking or savings account

Credit karma froze my account and would not let me access any of my funds while they looked over the issue. All of my money is being held.
Product: Credit reporting or other personal consumer reports

Subject : Method of Verification Request Failure to Properly Verify XXXX XXXX Account Dear Experian Dispute Department, I am writing to request the method of verification ( MOV ) regarding the disputed XXXX XXXX XXXX XXXX account [ Account Number : XXXX ], which was inaccurately reported on my consumer file. I previously disputed this account with Experian, and while you marked it as closed, both XXXX and XXXX have removed this account in its entirety from their credit reporting systems after determining that it was either inaccurate, unverifiable, or improperly reported. 
Under FCRA 611 ( a ) ( 7 ), I am entitled to a full and detailed explanation of how Experian conducted its verification process, including : 1. The name, address, and contact information of the entity that verified this account.

2. A copy of all documentation provided by the data furnisher to support its validity.

3. A detailed description of the specific steps Experian took to verify the account. 
4. The name of the individual at Experian who conducted the verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Experian to delete the names and addresses which are listed below except my Name and Address as shown in the attached copy of my Government issued identification card which I attached. 

The Bureaus did not make changes as I requested to protect and avoid my possible identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXXXXXX XXXX XXXX XXXX  Balance {$1700.00} ; XXXX XXXX XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00}.
Product: Credit card or prepaid card

I received this e-mail ( service message ) from JP Morgan Chase and Co. ( Travel ) on XX/XX/2021 : We're writing to confirm that your refund of {$130.00} and XXXX PTS was processed on XX/XX/2021 for the Chase Travel itinerary XXXX. As of today, XX/XX/2021 the refund has NOT entered my Credit Card Account. After speaking to some very caring but powerless associates, it was suggested that I contact Chase Privacy Operations in writing. I have sent a letter to CHASE PRIVACY OPERATIONS on XX/XX/2021 about this problem but have NOT been contacted by anyone as of yet.
Product: Student loan

I am writing this dispute report in regards to all my student loan partial accounts XXXX I have been receiving loans since XXXX, and I am currently enrolled in a XXXX XXXX My payments for the loans are scheduled to start in XX/XX/XXXX. 

Upon reviewing my account activity, I noticed that there are negative activities that have been reported on my account. I believe that these activities are inaccurate and should be removed from my account. The negative activities include missed payments and late payments, which I do not believe are accurate. 

I believe that these negative activities may have been the result of an error on the part of the loan servicer or a reporting agency. I would appreciate it if you could investigate this matter and correct any inaccuracies that may be present on my account. 

I would like to request that the negative activities be removed from my account, as they are not accurate and do not reflect my payment history. 

Thank you for your time and attention to this matter. I look forward to hearing back from you regarding the outcome of this dispute.