23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Back in XX/XX/XXXX I  received a bill stating I owed a company called XXXX XXXX XXXX an amount of {$1800.00}. They stated if I dispute the validity of the debt they would obtain verification of the debt or obtain a copy of a judgment and mail a copy to me. I responded to them via certified mail on XX/XX/XXXX stating that my letter was a formal dispute and I was requesting validation and proof of such a document bearing my signature that I owed them a debt. On XX/XX/XXXX they responded back with a letter stating that they worked for doctors around the country and I owed a balance to them for {$1800.00}. They showed a invoice number and a account number but not what was requested of them. On XX/XX/XXXX I noticed this account on my credit report under account number XXXX. On XX/XX/XXXX I sent them another letter certified mail stating that they had not provided me with viable evidence showing that the account is being reported accurately. I advised them the description of the procedure being used to validate this debt is requested. This includes the names, addresses and phone numbers of whom they validated the debt with. This letter was not signed for or picked up by the company so I resent the same letter out on XX/XX/XXXX. On XX/XX/XXXX they responded with the same exact letter they sent back on XX/XX/XXXX, still not providing the requested information. They sent the same exact letter again on XX/XX/XXXX still not providing the requested information. This account is showing " charged off '' on my credit report. Since this company has not provided the requested information to prove that I owe them a debt I want this account removed from my credit report.
Product: Credit reporting

this company by the name of XXXX XXXX ran my credit report without my authorization.i dont recall applying for credit from them.I demand that Transunion removes the hard inquiry immediately from my credit report.
Product: Credit card

Subject : Request for Credit of Late Fee Charged on Payment Made on Due Date Dear CFPB, I am writing to request assistance in resolving an issue with Comenity Bank regarding a late fee charged to my account. I believe this fee was applied in error, as my payment was made on the due date as required. 

Details of the Issue : The payment in question was submitted on XX/XX/year>, which was the specified due date on my billing statement. 
The payment was processed through automated phone system. 
Despite making the payment on time, I was still charged a late fee of {$29.00}. 
Reason for My Request : According to the Truth in Lending Act ( TILA ), late fees should not be assessed when payments are made on or before the due date. Additionally, as a consumer, I ensured the payment was made within the time frame outlined in my account agreement. If there were issues with the processing time on Comenity Bank 's end, that should not be attributed to me as the account holder. 

I kindly request that Comenity Bank credit the late fee back to my account as I complied with all payment deadlines. 

Requested Resolution : A reversal of the late fee charged to my account. 
Clarification on how this issue occurred and confirmation that my account is in good standing. 
Thank you for your time and attention to this matter. I appreciate the CFPBs support in helping resolve issues like these fairly and in accordance with applicable laws. 

Sincerely, XXXX XXXX XXXX Acct # ending XXXX
Product: Debt collection

I just received a email that claimed I requested information about XXXX and that I owed them money and they gave me the date in which it was not true. I never used them. They had my name and my old address. I feel very uncomfortable about this something just doesnt seem right. They are also saying they have a form that I could fill out giving them information or I can do it without a form. Or I could do it electronically sending my information again with or without the form. Noooo wayyyyy. Just coming out of the blue no letter, no voicemail just this, I think not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell CREDIT BUREAU that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2020 we purchased flights in XXXX with XXXX XXXX XXXX  for {$200.00}. We disputed this charge with the airline and they would not respond. We then disputed this charge with Chase Bank and they determined the charges to be valid. I've reached out to Chase multiple times with detailed information and they simply say they have closed the dispute and will not reopen it. 

Due to the COVID19 pandemic, we were unable to take our trip to XXXX. In XXXX and still to this day, the XXXX government has closed their borders to non-essential travel. Our trip was not a business trip and is not considered essential. 

We waited to see if we could reschedule our trip, but it is apparent that the borders are not going to open for international non-essential travel any time soon. We do not know what the future of international travel holds and we can not predict that we will be able to use any credit with a XXXX  airline in the foreseeable future. 

The airline does not answer their phones or respond to any other forms of communication. With this lack of communication, we can not even confirm the terms of any potential credit. 

Given the state of travel during this COVID19 pandemic, it is completely reasonable for us to receive a refund for flights that were never taken and can not foresee being taken in any reasonable timeframe. 

The US Department of Transportation states very clearly that domestic and foreign carriers should be offering prompt refunds for travel affected by COVID19. 

This carriers lack of responsiveness and willingness to provide a refund is in direct violation of this notice from our US Department of Transportation. I expect a full refund given the circumstances  and can not believe that Chase Bank will not honor this refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion displays innacurrate employer information on report. I don't work for XXXX XXXX. I work for XXXX.
Product: Student loan

IN 2006 After having a baby. I was told by the federal government I would never qualify for loan forgiveness as a XXXX. I would be placed on an income driven plan that was 3 times my pay at the time. My interest rate was 6.5 %. Then I was contacted to consolidate outside of the government. I have paid my loans for 20 years. Did the government and these other companies work together to mislead me during XXXX Why would I not refinance and save XXXX over 20 years if I was never going to qualify? I had XXXX and Navient. There has to be records of these conversations, emails, and conversations on their website, which I can not get into now that I do not have a loan with them.
Product: Debt collection

I lived with my wife at a complex called XXXX XXXX '. During our lease XXXX  XXXX violated the terms of the lease. Our apartment was flooded 3 times weekly, had electrical issues due to the repeated flooding, and the neighbors upstairs had a vibrating bed that effectively sounded like an idling semi truck. After only 3 weeks of living at XXXX XXXX, we had already made multiple attempts with management to resolve the issue, which turned out to be an XXXX couple with XXXX that lived in the unit above us. We endured the lease as long as we could with no help from management to resolve the ongoing problems before moving out due to our denial of 'use of space ' clauses amongst the other lease violations by XXXX  XXXX. We are currently pursuing litigation. XXXX XXXXXXXX, who is not authorized to even hire a debt collector as they are owned by XXXX XXXX, whom we are also suing, hired this shady debt collection agency. These people at National Credit Systems, sent a notice to our old address in an attempt to illegally circumvent the FCRA and FDCPA and 1 week after sending said notice, violated the FCRA and FDCPA yet again by placing this unowed debt on my wife 's consumer credit reports and my own. It is obvious that this debt collector is ad comfortable violating laws and our rights just as XXXX XXXX and XXXX XXXX were. I have nearly 9 months of video documentation of the ongoing flooding, the apartment vibrating and the loud incessant noise as well as the previous tenant who also moved out for the same reasons we did who fully intends on testifying to the fact that these issues were known, and XXXX  XXXX deceived us intentionally to get us to move in by lying and telling us there were no issues with that unit.
Product: Credit reporting or other personal consumer reports

XXXX : ** Dispute of Fraudulent Accounts Dear To Whom It May Concern ], I am writing to formally dispute the following accounts that appear on my credit report as fraudulent. I did not open these accounts, nor did I authorize anyone to do so on my behalf. Additionally, I have been living outside the United States since 2017 and could not have opened or used these accounts. 

The accounts in question are as follows : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$5200.00} XXXX. **Bank XXXX XXXX XXXX {$37000.00} XXXX. XXXX XXXX XXXXXXXX XXXX {$62000.00} XXXX. XXXX XXXX XXXX {$22000.00} These accounts were opened and used without my knowledge or consent, and the associated balances and activity are fraudulent. Your institutions failure to properly verify the identity of the individual ( s ) opening these accounts has caused significant harm to my credit report and financial standing.

Under the **Fair Credit Reporting Act ( FCRA ) ** and other applicable laws, I am requesting the immediate investigation and removal of these accounts from my credit report. I expect a response within **30 days**, as required by law. Failure to act within this timeframe will leave me no choice but to pursue legal action to hold your institution accountable for the damage caused by your negligence. 

To assist with your investigation, I am enclosing : - A copy of my government-issued ID ( e.g., passport ) - A copy of my credit report highlighting the fraudulent accounts Please confirm in writing that these accounts have been removed from my credit report and that no further collections or negative reporting will be associated with them. 

I trust this matter will be resolved promptly. Should you require further information or documentation, you may contact me via phone at XXXX Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I opened an American Express ( " Amex '' ) Platinum personal charge card on XX/XX/XXXX with a welcome offer of XXXX Membership Rewards ( " MR '' ) points after a total of {$5000.00} eligible spending within the first 3 months and card opening. I have not received the MR bonus even after eight weeks of completing the spending requirement. Then I reached  to Amex via online chat for help and they started an investigation on the case. I was then informed that one charge on XX/XX/XXXX in the amount of {$3000.00} from a third-party rent payment service named " XXXX '' was considered by Amex as " ineligible '' because Amex believes it falls into the category of " person-to-person payments '', which is excluded from eligible spending as in the offer terms. However, this is a service I paid for my apartment 's rent, and is paid to a company ( neither XXXX nor the ultimate recipient of the payment is a " person '' ; they are both companies ). Amex can not arbitrarily interpret this charge as a " person-to-person payment '' and not honor the offer terms of XXXX Membership Rewards points. 

I am attaching the full offer terms ( pdf ) and my card activities from XX/XX/XXXX to XX/XX/XXXX ( XXXX  spreadsheet ) downloaded from Amex 's website to the case. In the activities spreadsheet, I added three columns ( I, J, and K ) to add additional information and comments, and to demonstrate that the spending exceeded the {$5000.00} threshold for the welcome offer. It is for CFPB and Amex 's reference purposes.
Product: Credit reporting or other personal consumer reports

MESSAGE TO XXXX : Subject : Dispute of Incorrect Hard Inquiry from XXXX ( XX/XX/XXXX ) I am disputing the hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I was prequalified for a card, and XXXX disclosed that applying would be a soft pull, not a hard pull. Disclosed that applying will " NOT AFFECT CREDIT SCORE ''. My application was denied, so this inquiry is incorrect. Please remove it from my report ; or I'll have to submit complaint to CFPB and FTC for false inquiries. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery repeatedly called me since they bought this debt. Threatened to sue me regularly. Unwillingly provide contract agreement to verify this is my debt.
Product: Credit reporting or other personal consumer reports

I am re-sending this letter as it appears that my previous correspondence via mail sent to your head office did not reach you, as there was no response from your end. I have been anticipating a reply for the past 60 days, but unfortunately, there have been no updates from your agency regarding the following accounts : -- -- -TransUnion XXXX -- - XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXXD ( XXXX Creditor : 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX/XXXX  # XXXX, XXXX # XXXX, Dept of education/XXXX  # XXXX, XXXX XXXX university # XXXX, Us Dist ct # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, Child Support # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

On XX/XX/year> I called to have a payment canceled that was scheduled for XX/XX/XXXX. I got transferred to a voicemail which I thought was unacceptable since didn't cancel my payment as is my right under XXXX. I called back and asked to speak to a XXXX I got transferred to XXXX XXXX XXXX XXXX  ) and explained my issue. He proceeded to transfer me right back to the voicemail without even allowing me to respond to him before transferring. I tried to call back and ask to speak to a manager and was just sent to his voicemail. Its ridiculous that I have to jump through so many hoops to cancel a payment. I am on the phone. It is my right to cancel the payment, and they wouldn't cancel the payment. Beware of the unethical and illegal tactics used by Central Portfolio Control.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted company on numerous occasions as to the fact they are reporting 2 accounts to the credit bureaus when in fact I only have one account with them. This error STILL REMAINS on my XXXX  report. 

This is fraud and libel as they are inflating my debt to income ration as wells affecting my overall credit profile which reflects negatively on my overall credit health. 
Additionally, they are not updating payment and balance information on the one REAL account. 

They had promised resolution 2 months ago and data was in fact remove from my XXXX  report but remains on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing fed loan servicing account from over 8 years ago on credit report showing I owe a balance
Product: Credit card or prepaid card

Discover closed my account and took my {$1500.00} security deposit even after I filed a fraud investigation that my card was used without my authorization. Their fraud investigation representative ignored all my voice messages during the time of the investigation to eventually no response. My account was closed and deposit was taken improperly. It has been a 18 month police long investigation gathering documents the detective needed to finalize my police report. I am requesting my security deposit back and the balances owed to be cleared from my name as the charges were not authorized by me. 


They can obtain the documents from the SLPD to gather information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

transworld systems inc. XXXX XXXX XXXX XXXX de. XXXX ( XXXX ) XXXX assigned date XX/XX/2020 has been sending me collection notices in the amount of {$200.00} the collection has been reported as past due balance. I do not know this company. i have never done business with this company. this company does not have a contract with my signature
Product: Credit reporting, credit repair services, or other personal consumer reports

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

To Whom it May Concern, While checking my most recent report I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ) XXXX XXXX XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 2. ) XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 3. ) XXXX- " Requested '' XX/XX/XXXX 4. ) TRASUNION XXXX XXXX " Requested '' XX/XX/XXXX 5. ) XXXX XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 6. ) XXXX XXXX- " Requested '' XX/XX/XXXX 7. ) XXXX XXXX XXXX  XXXX XXXX " Requested '' XX/XX/XXXX 8. ) TRANSUNION XXXX XXXX " Requested '' XX/XX/XXXX 9. ) XXXX via TRANSUNION XXXX " Requested '' XX/XX/XXXX 10. ) XXXX " XXXX '' XX/XX/XXXX 11. ) XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 12. ) TRANSUNION INTERACTIVE IN- " Requested '' XX/XX/XXXX 13. ) TRANSUNION XXXX XXXX " Requested '' XX/XX/XXXX 14. ) XXXX XXXX " Requested '' XX/XX/XXXX 15. ) XXXX XXXX " Requested '' XX/XX/XXXX XXXX. ) XXXX XXXX XXXX- " Requested '' XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611.
Product: Credit card or prepaid card

This complaint is/will be very brief, because I have no more time to waste on people that dont respect me. See the attached screenshot. In addition to the screenshots that were sent to your executive office vis -- vis email the other day, please see the following attachments. I have a screencap of Chases system once again randomly messing with my available credit. Please see how my current balance is {$1000.00}, pending charges total {$1800.00}, and the amount of available credit ( from a supposed limit of {$3700.00} ) is only {$800.00}. I have purchases from sellers on XXXX who are expecting immediate payment. I have been unable to pay them because your card doesnt work ( and neither does XXXX, but thats another issue ). The point is that I should be able to use my credit when I need, and I havent been able to do so through no fault of my own ever since I got this card. And it is adversely affecting my ability to live, eat, do business, etc, continuing into the present day. I was on the verge of suicide last week and had the police come do a welfare check because I am so depressed and beaten down by you people.
Product: Checking or savings account

Capital One Bank, on XX/XX/XXXX I received the email from the bank, telling me that my accounts ( Personal and Business Account XXXX XXXX XXXX ) will be closed. I receive the refund of the remaining balance of the personal account in a couple of weeks. 
However, regarding the Business account, I begin to call every XXXX weeks asking about the refund of the remaining balance, that was {$69000.00} USD. They kept me telling me that the case was under investigation, I wrote an email to the CEO of Capital One bank on XX/XX/XXXX, complaining about the situation, and on XX/XX/XXXX calling again to the CASE RESOLUTION TEAM PHONE XXXX, told me that they tried to the send back the funds to the bank where the funds was sent originally, on XX/XX/XXXX. In addition they told me that some process should be done by the origin bank, and they did not execute that process. And Capital One Bank decided to give my money to the " State ''. 
There were no comunication from the bank at all during all this time, informing me that the fund was sent back or any status of the funds. The only information that I got during thius time, it was just phone calls that should be recorded.
Product: Debt collection

Per the FCRA, as a federal protected consumer, I am now opting out of any and all authorization that, I, the consumer, may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802. 

CREDENCE RESOURCE MANAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX As a federally protected consumer, I'm seeking proof of the alleged debt under the doctrine of estoppel by silence, Engelhardt v Gravens ( MO ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists.

In a good faith effort to resolve this matter amicably, I demand proof of the debt, specifically the alleged contract or other instrument bearing my signature in ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.