23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Credit collection serv XXXX XXXX XXXX XXXX, MA XXXX Dear sir/madam I am writing in response to your recent correspondence regarding the debt that You claim I owe. I am requesting that you provide me with validation of this debt, As required under the fair Debt Collection Practices Act. 
Specifically, I am requesting that you provide me with the following information : 1. The amount of the debt that you claim I owe.

2. The name of the original creditor to whom the debt was owed.

3. The date on which the debt was incurred.

4. Proof that you are authorized to collect this debt. 

I would also like to request that you provide me with copies of any documentation Related to this debt, including but not limited to account statements, billing statements, and any contract or agreements related to the debt. 
Please note that I am not acknowledging that I owe this debt. I am simply Requesting that you provide me with verification of the debt, as required by law. 
I would appreciate your prompt response to this request. Please note that If you are unable to provide me with the requested information, I will consider the debt To be invalid and will take appropriate action to protect my rights as a consumer Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know who XXXX XXXX is nor do I owe them the amounts {$970.00} and {$480.00} I have no idea what the accounts are. I also do not owe XXXX XXXX {$2600.00} and {$4300.00} for the unknown accounts. XXXX XXXX XXXX XXXX {$300.00} I have no idea why I owe them
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Dealer Services account number XXXX reporting 30 days late on my credit report from XX/XX/2018 through XX/XX/2018 On XX/XX/2018 A check submitted to Wells Fargo from XXXX XXXX to pay of entire loan balance owed on my vehicle. 
all three credit bureaus verified this disputed account as reporting correctly. 
letters sent to wells Fargo requesting assistance to correct went ignored. 
respectfully requesting resolution to remove this inaccurate payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transworld Systems is listing a tradelines on my credit reports that must be deleted immediately from my XXXX, XXXX, and XXXX in the amount of {$2200.00}. report.. This trade line states the account was opened XXXX, XXXX and was added to my credit report this pass XXXX XXXX, which is against the rules of XXXX, XXXX, and XXXX and the credit reporting agencies reporting it. 

1.This debt should be verified, and the date will state the debt is not older then 1-year therefore ineligible to even appear on my credit report.In addition, I requested the company validate the debt which they did not provide me with any documentation to prove the debt is mine. I never received one piece of documentation from the collection agency even notifying me of the debt. The only notification I received was the placement on my credit report. Again this is a violation of the FCRA credit reporting act. 


I am requesting immediate deletion of the tradeline for all three of my credit reports that must be deleted immediately from my XXXX, XXXX, and XXXX in the amount of {$2200.00}. 


Account that is listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2023 Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Balance {$2200.00} Date Updated XX/XX/2023 Last Payment Made XX/XX/2023 High Balance {$2600.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} Pay Status >Collection< Date Closed XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Can you please unlock my credit file and remove my security freez permanently, I have been trying to unlock my credit to apply for an auto loan, but I haven't been able to. 
Thank you.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I XXXX have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I opened my checking account on XX/XX/19 under the ' {$200.00} Checking Bonus ' for new accounts that receive a direct deposit of {$500.00} or more within 60 days. BBVA confirmed my qualified direct deposit posted on XX/XX/19 and the 90 day qualification period runs through XX/XX/19. 

I have not received the {$200.00} bonus promotion in my checking account at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX XXXX : I am a private personal consumer submitting a complaint concerning me being a victim of identity theft. XXXX, XXXX, and Equifax, Shared my personal non public information without my full disclosure or written consent. I do have the personal right to privacy that has been very abused and that is a violation under the Gramm Leach Bliley act of 1999. These violations have compromise my non public information and resulted in my identity theft. I demand all accounts be removed in the next 5 business days as stated under law. US DEPT OF ED/XXXX # XXXX # XXXX
Product: Checking or savings account

I opened an account with chime about two years ago I been getting direct deposits for a year and a half ago. Same job same direct deposit for them years. Just recently out of nowhere chime told me that my bank account is Incompliant with there service out of nowhere and my account was put on hold. They asked me on XX/XX/2020 at XXXX XXXX  that I had Unusual activity on my account and I had to send the current document. A picture of my ID Proof of address and proof of the funds in the account. So I called immediately and they basically told me the same thing so the next day XX/XX/XXXX I sent them a picture of my ID My national grin bill with my address and my name on it and also my paystub. Then the same day the replies and say I need a picture of my ID with me holding it. So I sent that then Three days go by ( Today ) I get a email saying my account has been closed and the money thats in the account is none refundable. I asked for a supervisor he told me nobody can touch the account and my money is just their in the account and I cant get it back. I asked for them to send it in paper check and all. Then I asked the supervisor how is my account Uncompliant he couldnt even give me a answer of how. When I looked online I wasnt the only person chime has closed account for no reason and has took thousands of dollars from other individuals This bank chime Banking services provided by XXXX XXXX XXXX or XXXX XXXX, XXXX, Members FDIC. The Chime Visa Debit Card is issued by XXXX XXXX XXXX  or XXXX XXXX  pursuant to a license from Visa U.S.A. XXXX. 

There support number is XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report for my payments made for my  XXXX  credit card in (   XXXX   2017 it is coded as ND no data ) And it is showing up on my credit report as no data. I have had the credit card that was opened up in  XXXX  2017 with payments made on time from  XXXX ,  XXXX ,  XXXX  2017.
They are reporting ND- No data for the month of   XXXX   2017 for my  XXXX  credit card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Account Number : XXXX Reference Number : XXXX Dear XXXX XXXX XXXX XXXX XXXX am writing to formally dispute the debt that you are claiming I owe. I request that you provide the following information for verification and validation of this debt : XXXX. **Purchase Agreement** : Please provide a copy of the original purchase agreement between you and the original creditor showing the transfer of the debt. 
XXXX. **Cancellation of Debt** : If the original creditor has canceled the debt, please provide documentation to confirm this. 
XXXX. **Chain of Title** : I request the full chain of title for the debt, including any assignments, sales, or transfers from the original creditor to you. 
XXXX. **Payment History** : Please provide details on when the last payment was received on this account, including the date and amount of the last payment. 
XXXX. **Judgment** : If there is any judgment against me regarding this account, please provide documentation to substantiate this claim. 
XXXX. **Statute of Limitations** : Kindly confirm whether the statute of limitations on this debt has expired. If it has, I request that you cease all collection activities immediately and update any credit reporting related to this account. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request this information and expect a prompt response. If you can not provide adequate documentation, I request that you cease collection activities and remove this account from my credit report. 
Please consider this letter a formal request for all communications regarding this matter to be in writing. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX  true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to convey how deeply annoyed and dissatisfied I am with the bogus accounts on my credit report that have not yet been rectified. It has come to my notice that your agency has not taken the essential steps to swiftly resolve this issue despite numerous attempts to address it. You must comprehend the seriousness of this matter and the serious implications it has for my security, reputation, and financial situation. I've given you thorough information and proof that these accounts are bogus, and I've told you that I'm a victim of identity theft. You are required by law to carry out a complete investigation and guarantee the accuracy of the data reported on my credit file in accordance with the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX XXXX In order to defend my rights and make sure justice is done, I want to make it clear that I take this situation seriously and am prepared to pursue legal action if required. Any further delay is intolerable, so I believe your agency will move quickly and firmly to fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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
Product: Debt collection

Identity theft Never heard of did business with this company This company broke the law with my personal information Under 15 USC 1692 AND 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Description of Problem : This lender has charged of my credit card account even though they have written this amount off on their taxes. This lender is trying to obtain money that they have already wrote off as an gross income on their annual tax return to the IRS. Gross Income should not be reported on my consumer report. The IRS defines a charge off or canceled debt as gross income. They are criminally and civilly liable for trying to attempt to collect money from me that they have already reported to the federal government as an income. Also, according to IRS I Submit Pagewas supposed to receive a XXXXXXXX XXXX from and never received aXXXX XXXX  form from the lender since the amount of debt canceled was over {$600.00}. Description of Problem : Amount Owed : {$3200.00} Date : Violations Broken : 15 USC Code 1681 s2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I received an alert that my credit report was updated. I checked XXXX ( my XXXX report is fine and accurate ) and an account that I never had is now on my report re : a past due collection from earlier this year. I have been living abroad for over a year and don't have any accounts open in the US apart from my credit cards. I disputed this with XXXX but the fraudulent account wasn't removed from my credit report.
Product: Money transfer, virtual currency, or money service

Its happened many times over the course of the years so I cant recall exact dates. Unauthorized XXXX transactions occurred no matter how many times I got a new card. Resulting in money lost and trouble accessing funds due to constant having to get a new card.
Product: Credit card or prepaid card

Card issuer decreased my limit randomly on XXXX XXXX. No notice or explanation from {$1500.00} to {$250.00}. No late payment or defaults on account. Spoke with supervisor who stated a review of XXXX was the reason. XXXX is my highest score. I have been working on improving my credit files while obtaining a mortgage loan. My file is currently in underwriting and all accounts are in good standing with usage less than 10 %. As a result of the sudden, drastic decrease in my limit my usage increased dramatically relative to my balance. This affects my credit score and overall file. It could result in a higher interest rate or difficulty in closing on my home. I was never notified of random limit reductions, nor have I experienced this with any other credit issuers. The card is issued through Synchrony Bank/Value City Furniture. Is this legal/ethical for a company to periodically change terms of credit without notice? Especially during the pandemic! I have been working extremely hard to preserve my credit worthiness and meet my responsibilities and obligations. This is extremely counterproductive and negatively impacts my life and livelihood, both unfairly and unjust.
Product: Credit card or prepaid card

I opened a credit card with capital one in XX/XX/2022. It wasnt until the end of that year that i began using the account and subsequently allowed my daughter to use while out one day. She lost it... meanwhile I never received any type of statement or call from them regarding payment etc recently i was applying to refinance my mortgage and the lenders report showed the account to be over the limit and late. I immedialtey reached out to cap one only for them to advise that they had my info incorrect in the system so i couldnt make a payment and would have to mail a copy of my id. so you can see me kinda, its on my report, im calling to make a payment and there is NO record... 

they advised that it would take a full 10 business days to research after receiving my license but weirdly in that process i receive my FIRST bill / statement, which i paid in full. Im not even sure that all of the transactions are mine but i want to do whatever works in the best interest of my credit the fastest
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that 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: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Product: Checking or savings account

On XX/XX/XXXX my wife and I received messages from Wells Fargo stating we had XXXX balances in our accounts. My wife immediately called Wells Fargo customer service and was told our accounts were being shut down because of having a personal mailbox and we needed to go to a local branch and have them update our mailing address. 

That afternoon, I went into a local branch and updated our information. After that was completed, I went to a teller to deposit a check and used my debit card to confirm my account. At that time I was told our accounts where shut down. The banker ( manager ) called into Wells Fargo to see what happened and was told our accounts where shut down. 
On XX/XX/XXXX Wells Fargo issued us a check to close the account. That same day, Wells Fargo deposited {$0.00} into this account for interest. In the meantime, my wife called Social Security and a county in XXXX XXXX  that deposits money into our account for help with a tenant rent. On XX/XX/XXXX and XX/XX/XXXX those deposit where made and accepted by Wells Fargo because of the account still having {$0.00}. 
We have tried to get these funds by calling Wells Fargo customer service and numerous other departments, in person at local branches. No one can give us the money and figure out how to fix this.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my previous communication regarding the late opening of my accounts. Despite our previous correspondence and the efforts made thus far, it appears that the issue of late open accounts has not been resolved satisfactorily. 

As a valued customer, the delay in opening my accounts has been a source of inconvenience and frustration. I understand that resolving such matters can take time, but it is crucial to ensure that my accounts are opened in a timely manner to access the services and benefits associated with them. 

I kindly request that you escalate this matter and take all necessary steps to rectify the situation promptly. Transparent communication regarding the progress made and the actions being taken to address this issue would be greatly appreciated. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$81.00}.
Product: Credit reporting or other personal consumer reports

Inquiry is not authorized i never talk with these companies during the said time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Charge-Off Account XXXX  XXXX Account Number : XXXX Dear Sir/Madam, I am writing to formally dispute the accuracy and validity of the charge-off entry reported on my credit file by XXXX  XXXX under the account referenced above. I assert that the information you are reporting is inaccurate, incomplete, and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
Specifically, I contend that the charge-off is invalid because XXXX XXXX has failed to provide adequate evidence of the debts existence, legitimacy, and proper reporting. Additionally, I am aware that XXXX  XXXX may have forgiven or written off this debt as income, as evidenced by the issuance of a Form XXXX, Cancellation of Debt. Under the XXXX XXXX XXXX, a XXXX form represents the cancellation of debt and could indicate that this debt is no longer legally enforceable. 
Please be advised that under 15 U.S.C. 1692g ( a ), I am entitled to a debt validation, and I am requesting that XXXX XXXX provide the following information : XXXX. Proof that I owe the alleged debt. 
XXXX. A statement that the debt was not XXXX through XXXX, as I have never filed for XXXX. 
XXXX. The date of charge-off and the reason for the charge-off. 
XXXX. Any documentation of a XXXX issued in connection with the debt. 
If this information can not be provided within the legally required XXXX time frame, I request that you immediately remove this entry from my credit report. 
Furthermore, under 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), I request that you conduct a reasonable investigation into this matter, and under 15 U.S.C. 1681s-2 ( a ) ( XXXX ), I expect all information reported by XXXX XXXX to be accurate and corrected if found to be in error. 
Please confirm that you have received this dispute and provide a resolution to this matter within XXXX  days of the date of this letter. 
Sincerely, XXXX XXXX