23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear XXXX XXXX ; Im confused and XXXX  and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Money transfer, virtual currency, or money service

XXXX XXXX 18 - {$500.00} PURCHASE MADE. ERROR FOUND. ORDER CANCELLED.

XXXX   XXXX  18 - ( {$500.00} ) REFUND FROM MERCHANT POSTED.

XXXX XXXX 18 - NOTIFIED VIA EMAIL PROMOTIONAL FINANCING EXPIRING SOON FOR {$500.00}. HERE IS WHERE THE PROBLEM BEGINS. I CONTACT PAYPAL TO DISPUTE TRANSACTION SINCE CHARGE MADE XXXX XXXX 18 WAS REFUNDED NEXT DAY. THIS IS REFLECTED IN MY XXXX  BILLING STATEMENT. WHY AM I BEING CHARGED INTEREST OR PAYMENT DUE FOR TRANSACTION THAT ESSENTIALLY NEVER HAPPENED, CHARGE AND REFUND SAME DAY. 

PAYPALS EXPLANATION IS THE SYSTEM DOES NOT SEE THE MERCHANT REFUND BECAUSE IT HAPPENED WITHIN ONE BILLING CYCLE. THE MERCHANT REFUND DID NOT APPEAR UNTIL THE FOLLOWING BILLING CYCLE. THE PAYPAL REFUND CREDIT OF {$500.00} WAS REALLOCATED BASED ON HOW WE FEEL THE PAYMENT WILL BEST PAY-DOWN THE INTEREST BALANCE. IF THIS HAPPENS IN THE FUTURE CALL US AND WE WILL OVERRIDE THE TRANSACTION SO THE REFUND IS APPLIED TO THE CORRECT TRANSACTION, HOWEVER, NOTHING CAN BE DONE FOR THIS TRANSACTION BECAUSE IT OCCURRED MORE THAN SIX MONTHS AGO.

THE EXPLANATION PROVIDED IS NOT FOUND IN ANY DISCLOSURES PROVIDED TO CUSTOMERS. I HAVE NOT KNOWINGLY AGREED TO ALLOW PAYPAL TO 'REALLOCATE ' MY MERCHANT PROVIDED REFUNDS AS THEY SEE FIT. WHEN THE MERCHANT REFUNDS THE TRANSACTION AMOUNT I EXPECT IT TO BE APPLIED TO THAT MERCHANTS TRANSACTION AS DOES EVERY OTHER CREDIT CARD ISSUER I HAVE ACCOUNTS WITH.

I WAS NOT CONTACTED BY PAYPAL ABOUT THIS 'REALLOCATION ' OF THE REFUND TAKING PLACE. I HAVE BEEN CHARGED INTEREST ON A TRANSACTION THAT ESSENTIALLY DID NOT OCCUR. HOW MANY TIMES HAS THIS HAPPENED THAT MERCHANT REFUNDS HAVE NOT BEEN APPLIED TO THE MERCHANT PURCHASE THUS ACCRUING INTEREST?
Product: Consumer Loan

I purchased my SUV approximately 2 1/2 years and due to cost of living, due to my relocating it has caused my travel commute to double/triple. The gas of course has increased. XX/XX/2016. I contacted Santander USA/consume to let them know I am voluntarily surrenders my vehicle numerous of times and it is now XX/XX/XXXX, and I still have the SUV. Right have still been receiving calls about payment and recently got a call from an account manager that was absolutely rude. At this point I am going to park the vehicle somewhere and tell them where to pick it up. My main reason for this, is rather than me keeping the vehicle and continue to struggle paying payments, I thought it would be best to return it to the bank. I have ever not driven the SUV since XX/XX/XXXX and they continue to harass me for payments and wo n't accept that I am no longer in the position to carry the payments. I told them to call me and arrange date and time -- -it 's now almost 5 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXXXXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The sent letter to the Experian credit bureau but I never received a response. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the Experian credit bureau do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance {$6300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX is fraudulent on my credit Account # XXXX ITHINK XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Debt collection

Collection agency reported to XXXX that I owe {$550.00} to XXXX XXXX for an outstanding gas bill which I have a grant for the amount of {$600.00} for. I disputed the claim and sent them a copy of the grant. I have not been contacted by them since. 
I have also called, faxed, and mailed the grant information to XXXX XXXX via USPS Priority with signature and when ever I call they say they have no record of receiving any information for me. 
I have not lived in the state for almost two years.
Product: Credit reporting or other personal consumer reports

Credit Karma LLC sent me an e mail or better yet many emails stating that Ive been pre approved for a loan and or new credit cards offers and such and I would click the link and make an account and give my informed thats asked of me thinking awesome great I can get a loan or a credit card and to help me with some issues my family and I where going through, and then next thing you know were sorry about your inconvenience but were unable to help approve your application at this time because of your credit score.and Im like wait I clicked your link because you said I was pre approved
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and experian about an account listed by XXXX XXXX XXXX. 
XXXX XXXX XXXX Potentially Negative XXXX XXXX XXXX XXXX Debt Buyer Responsibility Individual Balance {$1200.00} Account Name Account Number Account Type Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$1200.00} {$0.00} 1 Months Date Opened XX/XX/XXXX Status Collection account Payment History {$1200.00} past due as of XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX This account has been reaged. I have disputed this reports 3 times. Each time they allow the collection agency to falsely report their accuracy. The account they claim to be collecting is so old it does not appear on my credit report. This is a fair indicator of an issue. The opening date of this account is listed as XX/XX/XXXX. If that were so the XXXX would show on my credit report. I asked Transunion for the original date of delinquency and they told me that is did not matter. If the original account is so old it is no longer on my report than the collection account has to have been reaged. 

The same situation exists with XXXX  XXXX XXXX XXXX   # XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX ( XXXX ) XXXX XXXX Placed for collection : Responsibility : Account Type : Loan Type : XX/XX/XXXX Individual Account Open Account COLLECTION AGENCY/ATTORNEY Balance : Date Updated : Original Amount : Original Creditor : XXXX XXXX Past Due : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX
Product: Credit card

I was purchasing an airline ticket with Jet Blue on XX/XX/2023 and a pop up came in to apply for credit card and would be a bonus of XXXX point/miles if you comply with the requirements. 
I applied for a credit card and to my surprise I was not approved on the spot as usually. 
My credit score is excellent XXXX or more and I have decent income and great credit report. 
I received a letter in about a week they asked for additional information such us ID, SS Card bill statements or bank statements. I supplied this document and sent to them the next day. After a week came by I did not hear anything called them to make sure they received my mail. She confirmed receiving it and some one from a security department verified my identity and told me Im all set. I received an other letter a week after. They asked me again to be verified. I called the number on the letter. Security department verified me again even though I was previously verified. At the end of the call she told me congratulation you are approved for XXXX and your card will be send to your house in 7-10 business days. Waiting for the card and never came. Called again on XX/XX/XXXX spoke with customer service she transferred me again to their security department to be verified for the 3rd time and further assist. I was shocked when she told me that my application was still in referral status even though I was told that should receive my card. I was very upset and frustrated with everything I had to go through. I told her to withdraw my application and I will complain to Consumer Financial Bureau.
Product: Credit card

I received a letter From Macys explaining my account was delinquent by three months. 
This is the first notice I had regarding the issue, no bill were sent to my email, and I was tild they tried to contact me by phone, they were using an old number that no longer was in sevice. I was charged several late fees, XXXX which was removed. I paid the balance due immediately to avoid any credit damage. I was told the account was paid in full at that time, they offered to connect me with another part of Macys to see about further reducing the late fee. When I talked to the next person I was told they would not reduce the fees and the account was paid in full ( XXXX ). I then received a bill beginning of XXXX stating I owed {$1.00} to the account, still not sure why but I paid it. My balance is still showing I owe {$2.00}. 
I recently had my credit run as was denied a loan based on the the information Macys is reporting. Three months delinquient on payment, all this over owing approximatetly {$160.00} and me paying as soon I was aware of the situation. I have a long credit history with Macys and my accounts have always been in good standing. This report has ruined my credit score and long standing good credit.. I would like a resolution, and have since closed the account with them. I will no longer shop or support their stores.
Product: Mortgage

A few months ago I received a letter from Wells Fargo stating that they were willing to provide me a modification to avoid foreclosure. I responded to the information requested by Wells Fargo by provided them my financial and employment information. I have submitted documentation to Wells Fargo on over ten ( 10 ) occasions and called Wells Fargo re-entry team over 30 times. Wells Fargo seems satisfied with the financial and employment information that I provided them but Wells Fargo still keep requesting more and more information every time I provided them the information they previously requested. 

It seems like Wells Fargo has a stalling and circular system that is in place to pretend that they are helping, but not help at all. I have provided Wells Fargo sufficient information to make a decision whether or not they want to provide me with a mortgage modification. I have sufficient income for a mortgage modification and pay my mortgage. I will very much like Wells Fargo to make a decision because I do n't see how this wait, hold, and stall process is helping anyone. 
Furthermore, Wells Fargo needs to take its Fiduciary duties seriously and act in Good faith and provide fair dealings with me its customer. I am qualified for a Mortgage Modification. I have provided sufficient information to Wells Fargo to provide me a Mortgage Modification. Wells Fargo seems very unwilling to Modify my mortgage because it is more profitable for Wells Fargo, as a Servicing Agent, to benefit if my property is Foreclose than if Wells Fargo Provide me a Mortgage Modification. 
Wells Fargo need to fulfill its legal Fiduciary duties and provide me and my Family a Mortgage Modification because I am qualified and I have sufficient income to pay my Mortgage if my Mortgage is modified.
Product: Credit reporting or other personal consumer reports

Reported last week Made dispute this week Been calling lender to report to Equifax everyday
Product: Vehicle loan or lease

When I purchased he vehicle I added the GAP coverage and also an extended warranty. Within the first 6 months of owning the vehicle there were noises coming out of the engine compartment that could be heard very loudly inside the vehicle. I took the vehicle to the shop to which they stated they diagnosed and fixed the issue. The company then refused to pay for the service even though it was covered under the extended warranty. The company then called back and stated someone called in and canceled the extended warranty off the contract. I know I did not call and do this and there was no documentation to prove this was even done. The company refused to pay for the service and continued having me pay for the warranty they claimed was removed by an unknown party. This is a breach of contract. Not only this but the problem came back, and the power also started going out on the vehicle causing me to buy a jump starter which barley worked. This is another breach of contract and a violation of the Lemon Laws in place. They have since Reposessed the vehicle even though it was without power during the repossession proving the problem was ongoing and not easily fixable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, through poor Internet security, allowed my personal, private information to be compromised. I am extremely dissatisfied by the fact that I have no input on whether my information is provided to Equifax or not when I apply for a loan or credit. I am extremely dissatisfied by the fact that Equifax does not have acceptable security for this sort of threat. I would like to express my dissatisfaction about the fact that Equifax waited over a month before expressing information that they were hacked. I would like to express my discontent that Equifax did not inform me IN ANY WAY and I had to rely on the media to tell me that I was in danger. I would like to express my frustration at being forcibly opted into a service that does not protect my information, that is required to participate in society ( through needing credit ). There is not recompense ( that I can think of ) that Equifax can provide that will alleviate the lifelong trust issues that I will now suffer because of this hack. I implore Equifax to attempt to regain the trust of the public, and me, by making things right. I demand credit monitoring ( for life ) and a personal guarantee that my ( supposedly ) secure information will be safe and protected. As a company that requires and stores my secure data, I expect a high level of security. This has not been provided. I request recompense for your transgressions and short-sighted decisions. Please fix the errors and frustrations that you have inflicted upon your ( often unwilling ) consumers.
Product: Credit card or prepaid card

Company decreased limit by just enough money to make cover the balance on the card. 
There is absolutely no cause for this decrease and will affect my credit negatively. I have never missed a payment, been late, nothing. Absolutely no cause for this action by the company. Reached out to the company with no success. I am an XXXX who makes most of my yearly income from XXXX XXXX, I use my cards throughout the year and pay them down completely during these months. Reducing my credit line now to put me close to the balance shows on my credit report as an extreme negative with my balance near 100 %, this is not only extremely negative to my credit report but my overall credit wellbeing.
Product: Student loan

they gave me a blanket reason for my denial and did not provide me with legitimate reasons to deny my application, regardless of the valid damages I experienced. they forward the complaint to XXXX and XXXX responds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE LAST XX/XX/2021 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 43 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Product: Debt collection

I logged on to view an alert on my credit report today, XX/XX/22, and I notice an alert from Credit Systems International which is an account I never opened. Nor, did I receive any statements in the mail regarding this account or any balance owed.
Product: Debt collection

I told this debt collection company to please stop contacting me, and that Im unaware of this supposed debt. The late payments reported on my credit report were not authorized by me and were reported without my written consent. Therefore, I am disputing the accuracy of these items and requesting that they be removed from my credit report. I am also requesting that you provide me with documentation showing that you had my written consent to report these items. 
As you may know, the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681b, outlines the permissible purposes for which a consumer report can be furnished. The FCRA requires that consumer reporting agencies may only furnish consumer reports for certain purposes, including credit transactions involving the consumer, employment purposes, insurance underwriting purposes, and in connection with a legitimate business need initiated by the consumer. Additionally, the FCRA requires that a consumer must provide written consent before a consumer report can be furnished for most purposes. Please investigate this matter as soon as possible and provide me with the results of your investigation.
Product: Credit reporting or other personal consumer reports

Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX Dear sir, I want to indicate some questions regarding my credit report issued by your company. At first, I want to comment on your answer to CFPB on XX/XX/24. You requested me to inquire on XXXX card, which transaction history appears in another credit company credit reports. Since this credit card appears to have the past transaction on other credit company without asking me to inquire XXXX , I consider the credit card companies, including yours, can acquire the necessary information ; therefore, your company should directly ask XXXX same as other credit report companies. I now compare the credit reports of all companies, which submitted in printed form. Since this credit report is mine and should reflect my personal information, all credit reports should have the consistency. Your company credit report indicates the last four digits, which are same way the credit companies indicate their customers cards. Since your company is credit report company, you should indicate the customers account numbers by the beginning of the account numbers, not last four digits. I will compare all credit reports of all American credit report companies, so please change the style, and have the consistency. 

Additionally, I have requested you previous letter not to mention by my first name, XXXX. I believe the usage of first name indicate some familiarity which your company, Innovis, and I, XXXX XXXX, do not have any personal relationship ; therefore, your company should indicate me by my family name or full name. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention the presence of a fraudulenXXXX XXXX credit card account and a XXXX XXXX on my credit report. These unauthorized activities have been falsely associated with my name, and I kindly request their immediate removal from my credit history. 

Upon reviewing my credit report, I discovered that a XXXX  credit card account has been opened under my name without my knowledge or consent. This account does not belong to me, and its presence inaccurately reflects my financial status. Additionally, I have found that a rental property has been rented using my name fraudulently. I have no affiliation with this property and it has been wrongfully associated with my credit profile. 

I urge you to conduct a thorough investigation into these fraudulent instances and take the necessary steps to remove them from my credit report. The inclusion of these fraudulent items is not only damaging my financial standing but also has the potential to hinder my future financial opportunities. 

Enclosed with this letter, you will find supporting documentation, including relevant police reports and any additional evidence to assist in your investigation. I am fully committed to cooperating and providing any further information or documentation required. 

I sincerely appreciate your immediate attention to this matter and request that you keep me informed of the progress and actions taken to address this issue. 

Thank you for your prompt assistance in rectifying this situation and ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX