23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

VALIDATION AND CEASE AND DESIST Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Debt collection

I have sent Lyons, Doughty & Veldhuis, P.A a debt dispute in repond that the debt collection they bought from XXXX XXXX is not mine and that I do not recognize this account and I have no previous knowledge of it.
Product: Bank account or service

I opened a Chase Bank Business Account in XXXX XXXX, CA on XXXX XXXX, 2016. The Business name is XXXX XXXX, XXXX. We funded the account with ~ {$30000.00} and the check cleared. 5 days after the account was opened I received a letter ( attached ) stating the account was being closed IMMEDIATELY because of " suspicious activity '' " or because we have n't received information that we requested from you. '' No information had ever been requested of me. 

I contacted my branch who referred me to a XXXX number. I called and attempted to verify what the problem was, but I was told by an employee that they could not tell me why the account was closed. I quoted them the letter, and they told me that, these were not the reasons but they could not divulge further information to me. There has been no suspicion of fraudulent activity on the account. The employee refused to provide her name or employee number. Finally, when I told the employee that I wanted to retrieve my {$30000.00}, I was told that they money was on hold and that I could not retrieve it presently.
Product: Credit card

On XX/XX/XXXX, I responded to a " {$10.00} coupon '' to use my previously dormant Victoria 's Secret Comenity Bank Credit card. 

On XX/XX/XXXX, payment was due, and Victoria 's Secret Comenity Bank charged me a {$30.00} late fee when it was not received. 

I scheduled a payment on XX/XX/XXXX, then called in to get the late fee waived as this was a first. 

The company declined to waive the {$30.00} fee, and pointed me to a change of terms in the previouis three months. I asked if this change had been communicated to me in a letter or an email, and they were unable to confirm. They said it was most likely in an XXXX statement. I pointed out that I had not received a statement in XXXX as my card was not used then. They were unable to honor the terms of the agreement I had in place with them, and would not refund the full {$30.00} late fee. 

I asked when the {$8.00} late fee cap couldn't be going into effect. They said it went into effect in XXXX. I asked why I had a {$30.00} late fee on XX/XX/XXXX. They were unable to explain why. 

So I got baited into using a {$10.00} coupon, and instead now have to pay {$30.00} - a net {$20.00} loss.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> i went into my local One Main Financial to get a loan. and i was charged for 3 products i was not aware about. 
XXXX XXXX XXXX XXXX {$600.00} ) XXXX XXXX XXXX ( {$1000.00} ) XXXX XXXX unemployment ( {$960.00} ) i was not told i was going to be charged for these items. i am now looking at the PDF files on my loan and i came across a paged titled OPTIONAL PRODUCTS DISCLOSURE SUMMARY. On the paper it states that i do NOT have to take any optional products to get my loan. it shows that i signed for it but this page was not gone over with me. i was unemployed for over 6months last year and if i would have known that i had the credit involvement unemployment i would have not had to struggle to pay my monthly payments. i have not reached out to the company because if they were dishonest to me back then what would be the difference now. i was not aware of these purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 

On XXXX occasions on XX/XX/2021 and XXXX I sent certified mail a letter to XXXX, XXXX and XXXX. In the letter was a request to verify through physical verification of the original signed consumer contract for any and all accounts that they post on my credit report. 
I asked that proof be mailed to me for all accounts on file. I advised that according to the Fair Credit reporting Act, Section XXXX ( a ) ( XXXX ) ( A ) that you are required by federal law to verify and additionally I am to XXXX permission to post anything to my report which I did not. In XXXX I had my credit report frozen and they still didnt send any verifiable proof. It has been almost 9 months since my initial letter. 

This has hurt my ability to get credit. 

I said if they can not provide a copy of verifiable proof they must remove the accounts in question. They didnt not remove the accounts
Product: Student loan

To whom it may concern : I am a Navient customer. Up until recently due to lack of communication, I have never been past due or late with a payment. I was on an interest only payment with XXXX that rolled over to Navient but then the arrangement ended. I was notified prior to that the arrangement would be ending and i was proactive with reaching out to see what other options there were. My interest only payments were {$85.00}. That then jumped up to {$210.00}. I was informed that in order to see what options there were I needed to not my a payment and call back after my due date of XXXX/XXXX/15, so I did. When I called back I spoke with countless representatives and supervisors all who said they needed my financial statement and my cosigners statement. Now, I have n't had any real communication with my cosigner for some time now but i sent an email to her with the hopes she would call back and complete the financial statement. I received an email back saying that she had done so. I called Navient back and spoke with XXXX XXXX ( id # XXXX ) on XXXX/XXXX/15 she informed me that she could send over a review for a 15 month program of {$160.00}. XXXX called me back on XXXX/XXXX/15 and left a message to call her back. When I called back XXXX told me that her XXXX denied the program due to no financial statement from my cosigner. I informed XXXX that the financial statement was completed and several other reps confirmed this info. XXXX placed me on hold, came back and confirmed the same info. With XXXX i set up automatic payments of {$160.00}. She informed me that the 1st three months are known as qualifying months to sure the manager I am able to make good on the payments, after the three months then the arrangement will start that 4th month. My first automatic payment came out on XXXX/XXXX/15. I waited a few days and called XXXX/XXXX/15 to figure out why my account showed past due. I spoke with a rep who informed me that after the qualifying months I would not show any past due balances. That rep placed me on hold and came back to say my programs was denied ( according to her supervisor ) I asked to speak with her supervisor. XXXX XXXX ( id # XXXX ) in the Delaware office is the info he gave me, was really short, rude and very disrespectful. I asked him for the corporate customer service number or address and he said he will give me the number to regular customer service and I can deal with them. I asked him to read me the notes on my account and he refused saying, " The bottom line is that we 're not lowering anything for you '' " Ma'am, ma'am, i 'm going to release this call if you dont let me talk ''. He was completely unprofessional, i became extremely irate due to him talking over me and not letting me ask my questions. I hung up and called back to cancel my auto payments and the rep and supervisor i spoke with were a little nicer. At this point I would like my original arrangement to be honored or a deferral until I can come up with {$210.00} monthly.
Product: Debt collection

I am filing a formal complaint against IQ Data International for multiple Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) violations regarding their failure to properly validate a disputed debt and their continued reporting of inaccurate and unverified information to the credit bureaus. 

1. Failure to Provide Timely Debt Validation ( FDCPA Violation ) IQ Data International dated their validation letter XX/XX/XXXX, but I did not receive it until XX/XX/XXXX, XXXX XXXX months later from my original disputes dated XX/XX/XXXX attached below with certified receipts. 
The envelope it arrived in was postmarked XX/XX/XXXX, proving that it was not actually sent in XXXX as they claim. 
Under FDCPA ( 15 U.S.C. 1692g ( b ) ), a debt collector must provide validation in a timely manner. A three-month delay violates federal law, and as a result, this account must be deleted from my credit reports immediately.

2. Mail Sent to an Incorrect Address Proof of Mishandling ( FDCPA Violation ) The envelope clearly states " Return Service Requested '', meaning the letter may have been sent to the wrong or outdated address before being rerouted to me. 
Since IQ Data International failed to send the letter correctly and in a timely manner, this further proves their response was not valid under the FDCPA.

Because I was denied the right to timely dispute or respond, this collection account should be removed from my credit report immediately.

3. Failure to Prove Legal Authority to Collect the Debt IQ Data International did not provide sufficient documentation proving they have the legal right to collect this debt.

They only provided a move-out statement and lease contract, which does not establish that the debt was legally transferred to them for collection.

Under FDCPA 1692e ( 2 ) ( A ), a debt collector can not misrepresent the legal status of a debt. Without a legally binding assignment agreement proving ownership, their collection attempts are deceptive and unlawful.

4. Reporting Inconsistent and Unverifiable Information to Credit Bureaus ( FCRA Violation ) IQ Data International is reporting different account balances, dates of first delinquency ( DOFD ), and charge-off amounts across XXXX, XXXX, and XXXX, which is a violation of FCRA 607 ( b ), which requires maximum possible accuracy.

The Date of First Delinquency ( DOFD ) is inconsistent across credit bureaus, proving the account was not properly verified.

Under FCRA 623 ( a ) ( 5 ), if a furnisher reports inconsistent or unverifiable data, the account must be deleted. 
5. Violation of the FCRAs Investigation Requirements IQ Data International verified and updated this account with the credit bureaus despite failing to provide proper validation to me, violating FCRA 611 ( a ) ( 5 ) ( A ).

If a data furnisher can not verify the accuracy of an account, it must be deleted under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account : XXXX XXXX  Account : XXXX XXXX Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made. I already contacted the police department about this issue and obtained a police report # XXXX which is attached. Please remove this fraudulent inquiry and account off my credit report, and send me an updated copy of my credit report. The following items should not be reporting on my consumer reports and is a result of fraud that I did not authorize : 1. This account is not mine and was not authorized XXXX XXXX XXXX Account number XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XXXXPlease remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, 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. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked over again my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 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 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023, Wells Fargo has reported wrong zero balance on my credit card to all credit reporting agencies. BUT IT IS NOT ZERO ( See Attached Document ). Thus, Wells Fargos reporting zero balance - caused my XXXX score to DROP BY XXXX POINTS ( See Attached Document ). 

I plan to sue all credit bureaus for FCRA violations on or about XX/XX/2023 - seeking damages and attorney 's fees for this XXXX points XXXX score drop and also for any " eventual subsequent '' XXXX score drop. 

Wells Fargo to immediately re-report the correct XX/XX/2023 Credit Card Balance Credit bureaus to fix this error and restore my original XXXX score of XXXX - if not FCRA lawsuit shall follow on XX/XX/2023
Product: Debt collection

Bank of the West has been reporting a charged off amount of {$2800.00} since XXXX on a credit card that I opened with them in summer of XXXX. The credit card was a secured card, with a limit of {$500.00}. A rental car company over charged my account for the cost they said my insurance at the time would not cover. The charge was only a small amount so I'm not sure how Bank of the West got {$2800.00} from that. The same company also charged my debit ( checking account ) card for {$1300.00} then enlisted XXXX XXXX to collect on that account. XXXX XXXX then put the account ( checking account ) on all three credit bureaus as a collection account. They then charged interest every month for as long as the account went unpaid. In XX/XX/XXXX, XXXX XXXX XXXX was removed from my credit report but in XX/XX/XXXX, the amount that they could not collect on, along with the interest that that accrued was added to the existing balance of charged off credit card account. I disputed this information with all three credit Bureaus, and not only did it come back verified, but the amount also increased every time from {$1500.00} to {$1700.00} to {$2600.00}. The payment ledger that reported ND for the last five years was edited and updated to reflect CO going all the way back to when the charge-off was first opened. It is currently being reported with late payments as well as a statement claiming " {$2800.00} written off. {$2600.00} past due as of XX/XX/XXXX. '' The account was closed in XXXX. I'm not sure how a closed account can suddenly be charged {$2600.00}. The new company that has taken over for XXXX XXXX XXXX is a company called " XXXX XXXXXXXX XXXX XXXX. '' They sent me a letter on behalf of Bank of the West to collect on the checking account debt in which they stated the amount owed on the checking account is {$1300.00} along with {$700.00} dollars in overdraft fees. In reality they're adding in the interest charges accrued from XXXX XXXX as well as other fees they fabricated. The account was frozen and put under investigation and soon after closed at my request. Therefore, there could not be any overdrafts or other fees. 

To sum it up, Bank of the West is in violation of my consumer rights. Not only are they reporting false information intentionally, but they are also punishing me every time I dispute this information by increasing the debt. I am now in a situation where I have to move due to safety and health concerns and I am unable to do so without paying an extremely high deposit or getting turned down all together.
Product: Credit reporting or other personal consumer reports

The removal of these inaccurate accounts that were in my credit report when I checked it today.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX a collection of the amount of {$27000.00} popped on my credit report. I have absolutely no knowledge of this account and I have never received a piece of mail or any correspondence whatsoever with this company. I would like to know why companies are allowed to ruin people 's livelihood with no real proof. I am in the process of purchasing a house and this will ruin my chances and make me lose out on thousands of dollars. I would like this rectified. 

Completely remove this account from my credit report.
Product: Checking or savings account

I have been an existing Citibank checking account customer since XXXX. On XX/XX/XXXX, I received the XXXX offer email from Citibank as attached. In the email there was a unique referral link of mine which could be shared with my friends. The email stated that " when my friend used my link to open an eligible Citi Checking account, I would receive a {$100.00} cash bonus within 90 days. '' Then on XX/XX/XXXX, I referred one of my friends to open a new Citibank checking account via my referral link. Now today, I still have not received my {$100.00} referral bonus. 
During the last 5 days, I called Citibank customer service more than 5 times. None of them could resolve the issue, and two of them told me that the bank branch in which I opened my checking account was responsible for XXXX offer. Then on XX/XX/XXXX I called Citibank XXXX XXXX XXXX. The agent in the branch refused to help resolve the issue. She claimed that the branch was not responsible for the referral using the referral link under XXXX offer. The branch would help only if my friend was referred to open the new Citibank checking account in branch. 
All in all, I tried to contact Citibank many times. I was answered with conflicting information and all from Citibank claimed they had no responsibilities. As a result, nobody from Citibank helped and I did not receive my referral bonus as advertised in the email.
Product: Credit card or prepaid card

I applied " Blue Cash Preferred Card '' by the promotional link online on XX/XX/2019. There was no message or any warning saying that I'm not qualified this promotion when I finished the application. However, I couldn't received a sign up bonus ( {$300.00} Credit ) even  though I spent more than {$2000.00} within 3 months. 
When I contacted the customer center by online chat a few days ago, the person said the company declined the promotion for me because of misused a card or closed an account within 12 months. I haven't closed any account within 12 months after opening and the person haven't provide the exact reason for declining the promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my credit report for XXXX XXXX dated XX/XX/2023 / XXXX XXXX XXXX XXXX XX/XX/2023 I did not authorize or apply for their service or product this account has to be fraudulent.
Product: Credit card or prepaid card

I have a Wal Mart card. Capital One now manages. Tried to make my payment at Walmart but they were unable to pull my account up now that Capital One runs it. I had lost my card and since that was how I paid it each month by swiping it at the counter I was not able to make my payment as I normally had in the past. I had asked for the associate to help get the account number but since they no longer handle it they could not do it. I called Capital One and requested a new card but since I was considered past due they would not issue another card nor would they provide my account number. I now have late charges and a decreased credit limit. Capital one is now making my minimum payment {$100.00} with a balance of {$200.00} I am a XXXX veteran on a fix income and Capital One is making it difficult to make my payment on time.
Product: Debt collection

My eldest brother keeps receiving harassing text messages from a collections agency. His name is not on any loan with me nor does he have any knowledge of a loan but he has received three text messages. The most current one states : XXXX XXXX Collector : * blank*, you took an important step toward resolving this acct. Continue at *blank* To optout reply STOP He received it today XX/XX/22. He wouldnt have been authorized if I did have debt. He is being harassed by this company
Product: Credit reporting or other personal consumer reports

I have already tried to dispute this account online and then on the phone - and was denied doing both. The online site for disputes isnt working XXXX right now and the XXXX  number listed on the site does not work either. This is unethical when trying to review things reported for accuracy- I have 1 collection account showing, an American family account showing however there is no proper way to contact this company- so I demand that the account be removed from my credit report.