23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act. 
I dispute this debt because Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Aside from verification of the debt, do not contact me about this debt.

The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated.

Please Send updated Credit Report
Product: Credit reporting or other personal consumer reports

This was sent on XX/XX/year> By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

I am also disputing the inaccurancy of the names, addresses, email addresses, phone numbers, spouse, and Derogatory Accounts. The accuracy of listed accounts and personal information are incorrect.
Product: Checking or savings account

Bank of Oklahoma sent me a letter saying that they are going to revert to mailing paper statements and charge a fee of two dollars per month to mail paper statements if you are already signed up for online statements. This makes no sense and the fact that they're giving people 30 days to review and if they don't do anything, they're gon na start charging you two dollars a month in fees to mail paper statements when you were previously receiving online statements for free is ridiculous and they should be Investigated, many people do not receive their mail on time and many people will forget to log into their account and make these changes and it's unreasonable for the consumer to have to opt back out of paper statements or be charged a fee for mailing. This is completely backwards from the direction that the industry is going toward doing more online statements and away from paper mailing I believe that this is also deceptive to the consumer and unfair, because if people don't take any action there, going to be charged a fee when they were previously taking an action that should lower their fees. Most banks charge you for paper statements, but they don't all of a sudden switch everyone back to paper when they were already online for the sole purpose of collecting extra fees.
Product: Debt collection

I had internet service with XXXX XXXX XXXX that was discontinued and I returned their equipment. 
XXXX XXXX XXXX claimed that they did not receive it and was billed. 
I called XXXX XXXX XXXX and explained that I had returned the equipment and gave them the postal service 's routing #, when they received it, and by whom. 
The person with whom I spoke with assured us that the matter was resolved. 
However, apparently someone jumped the XXXX and turned over the case to the Franklin Collecting Agency. 
The agency called demanding payment. I explained that the matter had been resolved and that they should contact XXXX XXXX XXXX for verification. 
The lady that I spoke with told me that she did n't call to argue with me and demanded payment. 
I have been receiving harassing phone calls since then. I finally blocked their number. However, I still receive calls with a different #. To date, I have XXXX different blocked # 's bearing their name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$32000.00}
Product: Credit reporting or other personal consumer reports

I mailed letters on XX/XX/year> And XX/XX/year> about these inaccuracies on my Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am ( 120 ) days past due on the US DEPT OF EDXXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 11, 15 and 16 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

this is not mind never been to hosiptal ever since i was kid like 12 years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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: Debt collection

I have paid direct with Collector company the amount they ask me to be shuttle with them of XXXX.dollards paid with my creditcard from XXXX direct with them.Then they told me they sent a letter of to be removed from my records. They never did that and still there is the amount of XXXX dollars on my XXXX credit reports.Why?? 
Please contact with them to be removed of my records ASAP. 
Thank you very much for this results of this matter. 
My Email is XXXXXXXXXXXX.
Product: Mortgage

On several occasions I tried to get my mortgage company to modify my mortgage. They said I did not make enough money and this last time they said that they did not have all the documentation ( which was not true ) This last time they said I was too far behind. I have been trying to modify this mortgage for a number of years. 
I called the mortgage company to get a copy of the application and Truth and Lending Statement. 
The mortgage company sent me a copy of the Truth & lending Statement two copies of the Truth & Lending Statement one was written in with one set of number and the other had another set of numbers.

So it appears that the Truth and Lending Statement was " fixed '' after I signed at the closing. 

Later I find out that the original mortgage company XXXX XXXX went out of business because of fraud. 
I think Ocwen wanted me to loose my house so I would never find out that there was fraudulent documents.
Product: Mortgage

PENFED Mortgage is not capable of servicing my mortgage. They have " lost '' my payment 3-4 times in the past year. In XX/XX/2019, they returned my mortgage payment and I had to re-pay the mortgage in order not to be late. They are blaming it on " system issues ''. Even though they said that everything was OK, the XXXX Mortgage statement shows that I did not pay the XXXX payment. It is very stressful and its becoming unfair and abusive on their part. I am sure other consumers have to go through this and they are not fixing this problem. Please supervise this Credit Union and make sure that they are complying with CFPB 's servicing 's rule and not violating the UDAAP rule. As of today, they still haven't returned my phone call regarding my " past due '' account which is not past due since I pay my mortgage on time.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I place an order to purchase {$2300.00} of XXXX ETH using my bank account for settlement. Funds were transferred from my bank to Coinbase however they have not let access funds in my account until XX/XX/year>, because of this issue I had to place a sell order to access funds as cash which I still not being able to do it. 
Coinbase charge me {$130.00} commission for buying and selling something I have not beinfg able to access. 
I should be refunded commissions since I am not able to access funds in my account until XX/XX/year>.
Product: Debt collection

This is a debt that had past its statute of limitations years ago. It 's no longer on my credit report and was n't there even when I filed for personal bankruptcy in 2008. This company LCS financial called me and told me I owed tens of thousands of dollars and I needed to make a payment. The person on the phone then read me a disclosure at light speed and when I stated that I did n't understand what he said he said sorry to hear that. I told him I currently have no income, XXXX kids and no property so I was n't making any payment not to mention that I did n't understand the debt. The letter said I owed XXXX and the person on the phone said I owed XXXX loans totaling XXXX. I was then told that I had a phone so the whole XXXX kids no job 'excuse ' meant nothing to him. He finally marked it down as a refusal to pay. My husband then called back and talked to a supervisor and he was told that all the legal talk at light speed basically said that they knew the debt expired, they could n't take legal action and they could n't attach my credit report unless I made a payment. They were trying to trick me into hurting myself. It 's not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, I received my credit report from XXXX and there are several hard inquiries that are not mine I tried to dispute them thru XXXX and they stated to contact credit company which they came from I did and they stated they could not remove them here is a list of erroneous hard inquiries on my account : XXXX XXXX XXXX Dates : XXXX, XX/XX/XXXX & XX/XX/XXXX. 

The Home Depot/Citibank XXXX. XXXX XXXX Card. XXXX Dates : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX. XXXX Dates : XXXX & XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX I became aware of this today XX/XX/XXXX I have an account with XXXX  and they refer me credit cards to apply for I tried to apply for XXXX XXXX and was denied I have good Fico XXXX I called and spoke to XXXX at XXXX XXXX about denial and he said to many hard inquiries and I noticed all these that are not mine. I tried to dispute them with XXXX stated can not be done online contact company which I started to do and was told they could not remove them? I do not know how to get them off my credit report please let me know if you can help me or what I can do to get them removed. I also tried to call XXXX with no luck robo call could not transfer me to customer service phone numbers I tried XXXX and XXXX. 
Also I had a Fraud Alert on credit report and disputed it with XXXX to remove it they updated it instead to read : UPDATED ALERT/XXXXXXXX INQUIRY DATE XX/XX/XXXX I have tried to have that removed from credit report and have not been able to? 
If you could have that removed so I do not have any alerts on credit report that would be very helpful. 

I apologize for any inconvenience I have caused you but I want to purchase a home soon and I am afraid with all these hard inquiries I might not qualify for a mortgage even though my Fico score is good. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

DATA BREACH WITH ALL CREDIT REPORTING AGENCIES INCULDING EQUIFAX, EXPERIAN, TRANSUNION AND XXXX XXXX. DATA BREACH WITH THE SOCIAL SECURITY XXXX, DATA BREACH WITH THE DEPARTMENT OF TREASURY, DATA BREACH WITH THE INTERNAL REVENUE SERVICE HAS BEEN REPORTED AS A VICTIM OF DEFAMATION, FINANCIAL INJURY, AND FCRA SectionXXXX ( c ), Section XXXX Part ( A ) ( XXXX ). This complaint is NOT AN ATTEMPT TO DISPUTE any part of these fraudulent accounts BUT A LEGAL AND LAWFUL DEMAND. These agencies are civilly liable pursuant to 15 U.S.Code XXXXn, Commerical Law,
Product: Credit card or prepaid card

XX/XX/XXXX : I receive a call from the USAA fraud department regarding a run of suspicious transactions totaling almost {$800.00}. I report the purchases are not mine and I report my card in my possession. The purchases are refunded and replacement cards are mailed out. No further investigation is conducted on my end. I concluded my card had been cloned since the card was still in my possession. 

XX/XX/XXXX : Nearly three months after the incident, my wife receives a call from a USAA fraud investigator. Given the time that has elapsed, she is confused about the call and suspects it is a spam call. She states her card is in her possession, not realizing the investigator is talking about the card that was replaced nearly three months ago. I speak to the investigator separately and he tells me he needs to deny this claim because the transactions were " chip-present '' transactions and we had both reported the cards in our possession. I tell the investigator this is news to me to and that I need a little more time to talk to my wife and figure out what happened. He tells me he needs to close the case but I can call USAA and speak to member services if anything new is discovered once I retrace my steps that day nearly three months prior. He advises me I can also request video footage from the day of the incident, however, since almost 3 months had passed since the time I reported the fraud, and the day the investigators called me to deny the claim, video footage was no longer available. 

Upon speaking to my wife, we first realize these charges were to her physical card, not mine, despite the fact that USAA called me back in XXXX to ask about the suspicious activity and never spoke to her and asked if the card was in her possession. We retraced her steps that day and found she was at her office in XXXX XXXX most of the day. It would have been possible to lose it there. Again, nobody from USAA directly asked her if she had the card in her possession at the time the fraud claim was submitted, despite using it as a basis to deny the claim. 

The fraud investigator should have offered more time to gather details from an incident that occurred nearly three months prior to his call. Instead, he said we could take or time to figure out what happened and then contact USAA again. However, this has proven impossible. I have tried to contact USAA about this claim 5 times since XXXX. Despite spending several hours on the phone with USAA, there is nothing else they can do for me at this time, despite our conclusion that my wife did not have the card in her possession at the time of the fraudulent charges. Her card was stolen on that day and she never realized it was missing because USAA called me about the suspicious activity when they should have called her because the charges were on her card.
Product: Consumer Loan

On XXXX XXXX, XXXX, my wife and I paid off our car loan with Ford Motor Credit. In XXXX XXXX, we had a 30 day late payment that was documented on our credit reports. Given that the original delinquency date is the date when an account first becomes past due, this account should be scheduled to be deleted in XXXX XXXX. However, we have checked all three credit reporting agencies and there is no date reported on our credit reports as to when this collection account will be remove. We have requested action to be executed by Ford Motor Credit numerous times to correct the report and place a removal date on file but their response has always been to deny the request and not follow the rule. As recently as XXXX XXXX, XXXX, another request was turned away. At this juncture, we are seeking your intervention to assist our efforts to require Ford Motor Credit to abide by the rule of process.
Product: Credit card

Midland credit management stating that I open a credit card with them. When I never did
Product: Debt collection

Debt Validation Notice Dear Jefferson Capital Systems LLC I am writing this letter to formally request the validation of a debt that is allege owed to Jefferson Capital Systems XXXX. This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 



I the consumer have seen on my credit report Jefferson Capital Systems LLC claiming that I owe a debt of {$750.00} related to sprint. However, as a responsible consumer, it is my right to seek validation of this debt before taking any further action.

To ensure the accuracy and legitimacy of the debt, I kindly request the following information from you or the debt collection agency : 1. The original creditor 's name and contact information.

2. The original account number associated with the debt.

3. A detailed breakdown of the debt, including the dates and nature of the transactions.

4. Copies of any documents or agreements proving that I am legally obligated to pay this debt.

5. Proof of the agency 's authorization to collect this debt on behalf of the original creditor.

Please note that according to the FDCPA, you are required to provide the requested information within 30 days from the date of your receipt of this letter. Failure to comply with this request will result in a violation of my rights under the FDCPA, and I reserve the right to take appropriate legal action to protect my interests.

Furthermore, I request that you refrain from any further collection activities or attempts to contact me until the requested debt validation has been provided. Any continued collection efforts without proper validation will be considered a violation of the FDCPA.

I appreciate your prompt attention to this matter and your cooperation in providing the requested information. Please ensure that all correspondence regarding this debt is in writing and sent to the address mentioned above. 



Thank you for your understanding, and I look forward to receiving the requested debt validation within the specified timeframe. 



Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Money was sent to wrong account XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX total transaction amount of {$41000.00} transactions in XX/XX/XXXX {$1800.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$1800.00} this funds coming from XXXX XXXX XXXX XXXX  XXXX XXXX cash app refuse to reversal my refunds even they responded but no further action my case was close by you all company so I need for u all resolved this issue got a brown envelope today through the mail about my summary copies of my closed complaint status of my case from cash app so what the next steps ahead saying closed withexplanation what that mean so is u all XXXX help receive my funds back or not very upset and stress out please tell them to take up this issue u all take enforcement action been harmed as a customer
Product: Mortgage

Auto payment was canceled without explanation. I was never informed of missing a payment and rectify the issue within 20 days
Product: Checking or savings account

Case Number # XXXX Me and wife open a joint account with HSBC bank on XX/XX/XXXX On XX/XX/XXXX i deposited XXXX checks thru my mobile app but prior to that i also deposited a previous check to which i not sure of the date. 
On XX/XX/XXXX i received a call from HSBC Fraud department asking question about the checks and why the address on the checks was different then the address on file. After explaining to them i just moved and started a new job which explains the change in address i was told it would take up to five days to verify the checks. Much after the fives days has passed on the XXXX of XX/XX/XXXX my wife who is on the account went into the branch to inquire about account and make another deposited was told that the account was close and a check was sent in the mail with the balance that was in the account. The bank manager did not provide any information as to why the account was close. I thought that was strange so i called the HSBC Fraud department that same day and was told that the checks could not be verified by the company and they were bad checks ( fraud ). I contacted my employers and the told me that the checks were cashed and deposited by the bank. I called HSBC again on XX/XX/XXXX and was told that something different from the previous calls. I was told that the checks was deposited and because my account was being close and was in pending it would take up to 90 days to received a letter explaining why my account was being close and the remaining balance from the joint account. I was connected to manager during that same call and told we needed that money fro rent and 90 days with no explanation about the account was unacceptable. The manager Name was XXXX and she said to her a couple of days to reach out the back office and provided us with our case number XXXX. Two days later XXXX XXXX informed me that she did not receive any information from the back office and i would just have to wait. Can you please help me get a explanation and our money back we have bills and still recovering from Covid 19 financially. thank you
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of any incorrect accounts from my credit report. Kindly check the documents ; some accounts have inaccuracies in reporting, such as incorrect amounts and dates.
Product: Debt collection

I am disputing a fraudulent account with y'all for XXXX XXXX for {$140.00} but y'all are not receiving the dispute document I sent online more than once. y'all never receive them XXXX XXXX 's account number is XXXX and the credit collection services Reference number is XXXX XXXX XXXX PIN XXXX.