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

I'm asking for Debt Validation... According to 15 USC 1692g requires debt collectors to follow CERTAIN procedures when validating debts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 1. I want a detailed list of payments made by me on these accounts. 2. I want to see a signature that I put on a contract guaranteeing that I would pay this creditor. 3. I'm asking to see if there has been any insurance CLAIMS found on these debts. 4. I want proof that you have the chain of title to collect on these debts. Also, According to 15 USC 6802 : Obligations with respect to disclosures of personal information. ( a ) Notice Requirements A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this title. You ; XXXX XXXX XXXX XXXX XXXX XXXX have violated all ABOVE laws
Product: Checking or savings account

UBS disbursed a check to me from my deposit account, this check was stolen before it was delivered to me. I am seeking to get the money that UBS was supposed to disburse to me. 

* XX/XX/XXXXA check from UBS was disbursed to me on XX/XX/2017 by mail for XXXX from the money in my deposit account. 

* XX/XX/XXXX The check was not received during this time. I started my inquiry with UBS on XX/XX/XXXX, several phone calls happened. It was reported to me that the check had been cashed at XXXX XXXX XXXX ( I do not bank at that institution ) and a copy of the cashed check was mailed to me. 

* XX/XX/XXXX OnXX/XX/XXXX XXXX XXXX Control Officer UBS Equity Plan Advisory Services mailed me a list of instructions to start the investigation. I complied and returned the requested notarized affidavit along with the official police report. Via certified mail I confirmed the delivery of the required documents happened XX/XX/2017. I was instructed to wait 100 days.
* XX/XX/XXXX I was informed by a UBS representative that the investigation being conducted by XXXX XXXX XXXX XXXX was not complete, and that XXXX XXXX XXXX XXXX was requesting an additional period for investigation. I have been informed that nothing can happen until the investigation in completed, and I have not received confirmation that the investigation by XXXX XXXX XXXX XXXX has began.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX Date Closed XX/XX/2019 XXXX XXXX XXXX  Date Closed XX/XX/2019 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Closed XX/XX/2019 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/2019 This Information is Incorrect. Please remove it from my credit report XXXX XXXX XXXX XXXXXX/XX/2019 This Information is Incorrect. Please remove it from my credit report Inqyuiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Good Morning..my dears at Consumer Financial Protection Bureau.. greeting XXXX I'm the beneficiary of the judgement at the Superior Court XXXX XXXXXXXX XXXX XXXX XXXX State of Arizona XXXX XXXX Due since XXXX XXXX, on XX/XX/XXXXXXXX  I notified ( SANTANDER Consumer USA ) customer Service That they need to send me Title my vehicle CA license Plate No. XXXX, since It has been paid off, also They need to pay me the rest of my judgement XXXX or I will Put liens hold on their banks Branches and subsidiaries.. 
Please inform CEO of SANTANDER Consumer USA And have them to send me My vehicle title CA XXXXthank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting a debt on my credit file that I do not know what's it's about. But as soon as I found out I paid the debt. This is a violation of my 30 day right to dispute. I never received any calls or collection notices regarding this debt, and it's already on my credit. This is erroneous! ACCT # XXXX
Product: Credit reporting or other personal consumer reports

Comenity cap/ XXXX XXXX is a wrong account in my credit report that i dont recognise as mine ....
Product: Credit card

I submitted a claim on XX/XX/2024 and the claim number was : XXXX. Since that time I received a check on XX/XX/XXXX from Capital One for {$230.00}. The amount I requested was {$470.00} or the equivalent in reward miles which was exactly the amount that I lost when Capital One closed my account. I phoned Capital One on XX/XX/XXXX to tell them I do not intend to cash the check at this time and hope and expect that they will do the right thing and remit an additional {$230.00} that I am still owed.
Product: Checking or savings account

on XX/XX/2023 a withdrawal from my Usaa checking account occurred without my knowledge in an amount of {$500.00} making my account they say overdrawn. Usaa did a transfer out of my account without my knowledge or consent. They say money was transferred to XXXX XXXX but XXXX XXXX knows nothing about this and money is not in my XXXX XXXX account. Even though I requested full info in writing about this transaction, Usaa has not sent anything to me explaining how this happened and are not refunding my $ XXXX don't believe XXXX XXXX  did any such transfer out. Money is missing as of XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis breached and trespassed my rights of privacy by reporting inaccurate, incorrect and misleading information on their end which is a direct violation of federal law. According to the federal law, it is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized credit inquiries that appear on my credit report. I have reviewed my credit file and identified multiple inquiries that I did not authorize. These inquiries constitute a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which mandates that a credit bureau may only furnish a consumer report when permissible purpose exists. Since I did not initiate or authorize these inquiries, they must be removed immediately. 
The unauthorized inquiries in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under 15 U.S.C. 1681b ( f ), a party requesting my consumer report must have a permissible purpose. Since I did not apply for credit, loans, or any services that would justify these inquiries, these entities lacked a permissible purpose, and thus, the inquiries must be removed. 
Additionally, 15 U.S.C. 1681i grants me the right to dispute inaccurate information in my credit report and requires Equifax to investigate and correct any unauthorized or erroneous entries.

I demand that Equifax : Conduct an immediate investigation into these fraudulent inquiries.

Remove the unauthorized inquiries from my credit report.

Provide a written response confirming the deletion of these inquiries.

Disclose the name and contact information of each entity that requested my credit file.

I have attached a copy of my drivers license, Social Security card, and a recent utility bill for identity verification.

Failure to remove these inquiries may result in further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Thank you for your prompt attention to this matter. I look forward to your written confirmation of these removals.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2007 Experian XXXX  and XXXX  have fraudulently aggressively stolen my ID .I can not retrieve my Experian credit re po RS It does not let me dispute anything and it constantly has technical issues wants to charge me to view my info
Product: Credit reporting or other personal consumer reports

AUD # XXXX The reports need to be updated to the correct status and information for all credit XXXX bank accounts. Please update the status as I and the creditor have asked you to multiple times now. The balances are {$0.00}
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX, purchase round trip ticket on XXXX XXXX XXXX XXXX included rental car. Trip number XXXX and XXXX, I immediately contact XXXX XXXX told the they double charge my account. XXXX refunded one rental and charge second airline ticket and rental. 
Purchase date XX/XX/XXXX Payment method XXXX ( XXXX ) Billing name Affirminc XXXX Cost per person {$350.00} Round-trip Ticket 1 Car for 3 Days Taxes & Fees {$72.00} Number of travelers X1 Due at hotel {$180.00} Trip Protection {$25.00} Total Charged {$260.00} XXXX XXXX AFFIRM * PAY NQ XXXX XXXX XXXX XXXX XXXX  {$77.00} XXXX Transactions XX/XX/XXXX AFFIRM * PAY AQ XXXX XXXX XXXX XXXX XXXX {$43.00} XXXX account ending XXXX unauthorized.
Product: Credit card

L.L.Bean Mastercard Services through Citibank. A fraudulent charge was made on XX/XX/XXXX in the amount of {$980.00} for XXXX XXXX XXXX online via XXXX and a delivery made on XX/XX/XXXX to an address XXXX XXXX, XXXX XXXX, NY unknown to me, using an email and phone number which are not mine. I opened a dispute with L.L. Bean Mastercard Services on XX/XX/XXXX and was notified on XX/XX/XXXX that I was still responsible for this charge. I re-opened the dispute on XX/XX/XXXX due to being out of town when notification received. I received notice on XX/XX/XXXX that credit card company had concluded its investigation, concluded that I am responsible for the charges, and re-billed my account. I paid the bill online on XX/XX/XXXX to prevent collection action but am filing complaints with XXXX Attorney General and CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like Equifax to remove this account off my credit report. This is an old XXXX account that was open in or around XXXX XXXX  and service ended around XX/XX/2018 and last bill was XX/XX/2018. The bill was paid in full, I was in formed it will be taken off my credit report and it's still showing I have a balance that is late.
Product: Debt collection

This collection agency has continued to place this collection on my credit report after I have disputed it more than once. It has not been verified so I would like it removed from my credit report. 

Carter-Young , Inc . 

Account Details Original Creditor : XXXX XXXX XXXX XXXX   Account # : XXXX Balance : {$190.00} Open Date : XX/XX/2018
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list if accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I had an XXXX account that I closed due to my moving. The account was paid in full with XXXX and never went to collections. I checked my consumer report and saw that a debt collection agency reported this false information to my report. I reached out to the collection agency directly by phone to straighten out the false information but they refused to remove it from my report. I asked them for the account number and they didn't have XXXX. They have the last XXXX digits showing on my credit report as XXXX. I have a recording with XXXX stating that they don't work with this debt collection agency and that my account was never sent to collections. 
ACCOUNT # XXXX AMOUNT : {$180.00} Last payment received : {$82.00} on XXXX Date account closed : XXXX Agent Name : XXXX XXXX XXXX # XXXX Agent Department : XXXX XXXX Agent Name : XXXX XXXX I.D . # XXXX XXXX department : XXXX XXXXXXXX XXXX was the first agent I spoke to and gave me the account number, amount, and date of payment. She transferred me to the accounts receivable department and I spoke with XXXX who confirmed everything and informed me that they ( XXXX ) do not work with the debt collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit reports faithfully everyday through my XXXX XXXX XXXX XXXX XXXX to make sure all is well. On the morning of XX/XX/2022 I was notified my score had changed due to a Collection. I was immediately alarmed & upset because I havent received anything from any collection agency. I logged into my XXXX & XXXX account & seen a collection account for {$370.00} on my credit reports from a company named RADIUS GLOBAL SOLUTION, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN. Ive NEVER received ANY PHONE CALL from this agency & Ive NEVER received any letter!! No form of communication at all!! I dont even know of anything where I would owe {$370.00} because I pay all my bills & again, I havent received any type of communication about a {$370.00} debt!! Now my credit score has dropped horribly because of this company! If I hadnt checked my credit report I wouldnt have known anything about this company. I dont have any idea who this collection agency is or what the collection is for or from. Can this please be investigated & completely removed from my credit reports history? I need this to be removed & stopped before it attacks my XXXX credit report. I will attach a screenshot of what I seen on my XXXX credit report. Thank you for ALL your help.
Product: Prepaid card

I had a case with American Express CFPB Ref No : XXXX Ref : XXXX The gift card reference XXXX was issued a refund for {$100.00}. The giftgard was a {$500.00} giftcard and {$400.00} additional dollars should be processed.
Product: Credit reporting

I am filing this XXXX dispute in referenced to the accounts listed above in my original dispute to Experian. I have disputed these alleged accounts information as inaccurate with Experian, and Experian has come back to me and stated that you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, along with XXXX XXXX XXXX myself and have been unable to get them to verify that these alleged accounts are indeed my debts. 
I enclose copies of my requests for them to " Validate '' my debts, and the receipts showing that I sent these letter certified signature request. These alleged debts are not mine and I was given any evidence of my obligation to pay this debt to the collection company 's listed above in my original dispute letter. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.
Product: Checking or savings account

Hello, I originally opened a checking account with Investors Bank and as part of the buy-out Citizens Bank acquired and transitioned my account into Citizens Bank in XX/XX/year>. They've defaulted my Bank statement delivery selection to mail and have charged {$3.00} fee every month a total of {$48.00} so far. But, I've never the received the statement in mail. When I contacted Citizens Bank they've just refunded {$3.00} and asked me to change the delivery to email. I have never been charged the statement delivery fee when I was banking with Investors bank and Citizens bank has never notified me and has made a selection that's beneficial to them since they can charge the fee until I confronted.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social Security XXXX : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

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

SO PREVIOUSLY I ORDERED TIRES THRU A COMPANY THAT USES XXXX. THE TIRES WERE LEFT IN A MAIL FACILITY THAT WAS UNSECURE IN MY APARTMENT BUILDING. I WAS ASKED TO PROVIDE POLICE REPORTS. IN XXXX XXXX THIS IS AN ONGOING PROBLEMS AS CRIME ARISES. I HAVE DISPUTING THIS THERE IS NOTHING ON MY CREDIT PROFILE THAT EVER SAID I DIDNT MAKE A FIRST PAYMENT. I HAVE DISPUTED THIS NUMEROUS OF TIMES AND HAVE HAD NO LUCK ITS HARASSING AND IVE SPENT MONEY IN TRYING TO REPAIR MY CREDIT. IT HAS BLOCKED FROM OBTAINING CREDIT. PLEASE STOP REPORTING FALSE INFORMATION TO THE CREDIT BUREAU. YOU RECEIVED THE POLICE REPORT. I HAVE PREVIOUSLY DISPUTED THIS AS IDENTITY THEFT. IN ADDITION THEY ARE REORTING AND ADDRESS IN XXXX XXXX XXXX THAT HAS BEEN ASSOCIATED WITH IDENTITY THEFT. I HAVE NEVER BEEN ASSOCIATED WITH THIS ADDRESS. 

Violations of FDCPA Your company has engaged in actions that constitute violations of the FDCPA, including but not limited to : XXXX. Harassing Communications : CONTIUNOUSLY REPORTING INACCURIES TO CREDIT BUREAU AFTER RECIEVEING POLICE REPORT. 
2. Failure to Provide Debt Validation : HOW CAN DEBT BE VALID I NEVER PHYSICALLY RECEIVED A STOLEN PACKAGE 3. Misrepresentation of Debt : DEFAMING MY CHARACTER AS I HAVE DEFRAUDED YOU 4. Third-Party Disclosure : SHARING FALSE INFORMATION WITH CONSUMER REPORTING AGENCIES.

These actions have caused me emotional distress, financial harm, and undue hardship, and I hold your company accountable for these violations. Demands 1. Cease All Communication Stop all direct communication with me, including phone calls, emails, text messages, and letters, as well as any contact with my family members, employers, or other third parties.

2. Compensate for Damages As a result of your violations and the distress caused, I demand monetary compensation in the amount of {$5000.00} to resolve this matter without further escalation. This amount reflects the harm caused by your non-compliance with the FDCPA and the emotional distress resulting from your unlawful practices. Notice of Escalation Failure to comply with these demands within 10 days of receipt of this letter will leave me no choice but to :
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a purchase of almost {$2000.00} in XX/XX/2020 with my Apple credit card! As i was expecting for a minimum due amount to be posted to my account for me to pay the balance in installments it didnt happen, instead they posted the whole XXXX as the minimum due amount and i have to pay it in less than a month, I called them to request for a less minimum amount so that i will be able to pay it gradually! They refused. I asked for the account to be closed immediately to stop it from future transactions. Then i took advantage of the coronavirus payment relief to push back my due date and i paid the full balance on XXXX of XX/XX/2020! My due date was XX/XX/XXXX. They charged me for {$15.00} claiming that i made a late payment though their statement shows that it wasnt late! I called them to ask what that {$15.00} is about, they waived it when they figured out that I paid the balance before the due date, meanwhile they reported to the credit bureau on XX/XX/XXXX as closed account with balance of {$15.00}! I called Apple to dispute the report and they said we will update it next month ( XXXX ) nothing was updated! I called again, they said its getting updated, nothing happened in XXXX, then I called in XXXX and they insisted that I must pay that {$15.00}! I showed them that there was no late payment and they even waived it because it was unnecessary charges since I paid before the due date! They insisted that it was an interest charges because of the late payment and the computer generates that information! Anyway the lady pushed me so hard to convince me that i made a late payment though she clearly saw on the statement it wasnt late and it was waived! So my concern is for that balance to be updated and reported to my credit bureau as paid and closed account with XXXX  balance but that hasnt been happening and its been almost 4 months! I wouldve kept quiet if the account wouldve been open but I closed it because of that bad experience and theres no way for closed accounts to be updated monthly! So they will just forget about my account since its closed and the balance will stay on it forever! This is what my complaint is all about. Thank you very much and will be waiting for your response, Im also ready to provide with any information that you request.
Product: Prepaid card

I purchased a XXXX XXXX {$200.00} gift card on XX/XX/year> from XXXX in XXXX, XXXX. After activation and payment, upon opening the card, it was discovered that the card did NOT contain a XXXX-digit PIN number -- which is required for use of the card. 

XXXX denies accountability. XXXX states that XXXX XXXX is responsible. XXXX denies accountability since " all sales are final '' and XXXX sold the card. 

Neither company is taking responsibility. I am out of {$200.00}. 

attaching PDF with copies of gift card, receipts and activation information.
Product: Checking or savings account

On XX/XX/2021 a direct deposit of {$71.00} entered my account, also on XX/XX/2021 {$69.00} was withdrawn from same account with no details. Im not sure how or who withdrew it Or why. So if you guys could let me know what happened and reimburse my account i would greatly appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX XXXX XXXX XXXX XXXX is XXXX a late payment for XX/XX/2022 for XXXX. Also theyre reporting the wrong amount that was paid. 

These Bureaus have not verified or deleted XXXX XXXX XXXX from my credit report. These are not my student loans.