23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern : XX/XX/XXXX I have filed disputes with the three credit reporting bureaus ( XXXX, XXXX and XXXX ) on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX, all sent by certified mail regarding two collection accounts being reported by XXXX XXXX XXXX, XXXX. The two accounts are regarding a Home Depot and a XXXX XXXX account. I have requested each of the three credit bureaus as well as XXXX XXXX XXXX, XXXX to validate these debts by providing a contract that bears my signature or any documentation that they can provide to prove these were in fact my accounts. Letters were mailed directly to XXXX XXXX XXXX, XXXX on XX/XX/XXXX also by certified mail. 
Unfortunately, the three credit reporting bureaus only respond by stating that the information has been updated, please review your report for the details and verified as accurate ; however, I am not observing any updates. In fact, the information is the same information as noted prior to any disputes being initially made. XXXX XXXX XXXX, XXXX only responds by sending copies of a ( one ) credit card statement, dated back in XXXX. 
In addition, I have reached out to XXXX XXXX directly and I received written correspondence which was dated XX/XX/XXXX ( a copy of a letter dated approximately 3 years ago ) which states, This letter is to inform you that the above-referenced account was sold to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. If you have any questions about this account, please contact : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, VA XXXX, XXXX. 
I have attached a copy of the two certified letters that were mailed to XXXX XXXX XXXX regarding the XXXX XXXX and Home Depot accounts as well as their responses. To say the least, this has been very frustrating as a credit card statement does not prove that I opened these accounts and it has had a huge adverse effect on my credit score. I have exhausted all efforts in contacting the credit reporting agencies, XXXX XXXX XXXX, XXXX as well as the original creditor. 
Please assist me in resolving this matter by obtaining documents that reflect that I opened this account, not a credit card statement as this only reflects charges and fees, etc. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter again asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct this account : XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX   remove I have disputed by mail with all three credit bureaus. act # XXXX owing an alleged {$2200.00} Td bank orig creditor target
Product: Debt collection

I reviewed a copy of my XXXX XXXX XXXX XXXX credit report and noticed that there is a item as follow : - - Account Name - AMSHER COLLECTION SE - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

- Phone Number- XXXX This is inaccurate in my credit report and I was shocked that I have been a victim of identity theft. This has hurt me so bad as I am in the process of buying a home for my family. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative marks found on my credit reports ( XXXX XXXX XXXX XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. XXXX XXXX XXXX XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action Have a blessed day.
Product: Checking or savings account

My complaint is actually with a Discover Bank policy. Specifically, I went online as I wanted to dispute a debit card transaction ( have already tried to contact the payee, run-around ). I went online to do so and clicked to dispute it ( see attached screen print ). My question/complaint is... In this day & age when companies WANT, BEG, REQUIRE you to do everything online, WHY does Discover Bank REQUIRE you to phone in ( and potentially endure long hold times, etc. )? Not to mention, doing by phone leaves me, the customer, with NO proof or evidence that I filed the dispute... online would ( even if it's just screen prints ). And then, when I did call in, by now my first question was just this, Why was I unable to do online, why was I required to call in. 

Much to my surprise, she was unable to answer my question without first verifying me. I then inquired WHY did I need to be verified for a general, non-account-specific question? Long story short, she was going to transfer me to tech support. I stated " Tech support doesn't make your corporate policy, that comes from management... they only right the code required to implement/follow policy. '' She then transferred me to another person ... This XXXX lady 's answer to my question was, " because that's our policy! '' She further, rather rudely, informed me " Your company can make their policies, but we have ours. '' This is very true, and I fully agree every company/business needs policies and procedures. However, they should make sense. Requiring someone to verify before answering a GENERAL, NON-ACCOUNT-SPECIFIC question makes absolutely NO sense! Also, " because that's our policy '' also does NOT answer the " why '' the policy question! She then transferred me to <someone>... I held awhile waiting and finally hung-up! A TOTAL waste of my time on this entire phone call, and I still don't have the dispute filed yet... it would've been done long ago if I could've done online.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX-XX/XX/XXXX I've sent 4 separate letters to each credit bureau XX/XX/XXXX, Transunion, and XX/XX/XXXX asking that they provide me proof of an account on my credit report. Since they have not provided me proof. I've asked them to remove the account. As of the time of this writing they have not removed the adverse account. 
It was my understanding that under SECTION 609 of the Fair Credit Reporting Act, that the credit reporting agencies are suppose to provide me a copy of the original contract that I signed and as the credit reporting agency they are supposed to have. I mean, if they are verifying the account as being valid/correct then they, by law, are supposed to have a copy of that contract to do so.
Product: Vehicle loan or lease

I purchase a car in XXXX. I provided documents that I never receive my contract from the dealership until after the first payment was due, I reach out to the finance company reach is Audi to confirm is they my new company and I was told on several time I do not have an account with them. When I finally made contact with the finance company. I had the Advocate from Audi financial on the phone and we both realize that Audi financial had my address incorrectly in their system. On XX/XX/XXXX of 2022. I was told that says my address was wrong with the system they would not charge me any lea fees or report delinquents to my credit bureau and get the information updated. Ive been trying to rectify the situation for the last several months I received a call from manager that told me that they were not correct my credit reporting system the dealership were not meant to the fault. Even though the finance company admit that they had the wrong address in the system did not make any communication to me for the last several months prior to my first payment due date. This is very unprofessional I really do not want to do business with them my credit score has dropped very bad according to my credit reporting it states that I did not make a payment in XXXX I was never late in XXXX I made a payment on XX/XX/XXXX and I reported that to the credit reporting agent and provided proof that I made a payment. I have made several attempts with the credit reporting XXXX XXXX and XXXX XXXX with the proof of payment and they still have not updated my credit reporting has never been late. Im following a formal complaint against XXXX XXXX XXXX Audi financial and XXXX and XXXX for not doing do diligence when it comes to my financial well-being on my credit reporting.
Product: Debt collection

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NY, XXXX Email : XXXX XXXX5 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under 15 U.S Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding deletion of the accounts listedIMMEDIATELY!
Product: Debt collection

XX/XX/XXXX I Left my apartment located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NM XXXX when i received the charges from leaving the apartment I noticed the amount owed was completely incorrect. I was being wrongfully charged, so i decided to reach out & dispute with the original company ( XXXX AKA the XXXX XXXX ) about the incorrect balance owed. On multiple occasions & even calling them but no response was ever submitted back to me. Once This in-accurate debt started posting on my credit report through CBF SERVICES I made multiple attempts to reach out to CBF SERVICES & told them " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. '' no proper evidence was ever sent to me providing my signature showing that I owed, or was in debt, or ever have been in debt with CBF SERVICES. 

Dates attempted to reach XXXX AKA the XXXX XXXX XX/XX/XXXX XXXX XXXX  & XX/XX/XXXX XXXX XXXX ( Via email ) Dates attempted to reach CBF SERVICES ( Via certified mail ) XX/XX/XXXX & XX/XX/XXXX CBF SERVICES Acct # XXXX
Product: Debt collection

This creditor has never sent me any written paperwork that they are taken over the debt like they are supposed to. I have disputed item and it has been removed then it came right back on. Please remove this account from my file since I was never notified in the 5 business days that the law states to send correspondence
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX you reported inaccurate information.. US DEPT. OF EDUCATION/XXXX XXXXXXXX Experian you reported inaccurate information.. US DEPT OF EDXXXX XXXX XXXX you reported inaccurate information.. XXXX. 
XXXX These accounts has been furnished..

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

YOU XXXX, XXXX, EXPERIAN have aided this fraud by not verifying these account. 

An identification of me has been used without my permission to open several accounts that has damaged my reputation and damaged my mode of living because you furnished a consumer report without my permission as stated by Federal law.
Product: Credit card or prepaid card

I hold a Chase Sapphire Reserve credit card and have used it consistently for roughly two years. I pay a {$450.00} annual fee to do so. On XX/XX/2019, I attempted to book travel through the Chase travel service, one of the benefits of the card. After an hour of poor service, the Chase representative ultimately billed me in duplicate 11 times, {$68.00} each time for a total of {$890.00}, both on my Chase card and on a separate XXXX card that they made me provide after being unable to bill my Chase card. 

When I saw these pending I immediately called in was assured these charges would not be posted. They were all posted. 

I was directed to contact their travel customer service at : XXXX. 

I emailed Chase multiple times in XX/XX/2019, called in again multiple times, and was assured each time not worry. 

After seeing no refund come through for any of the 11 duplicate charges, I have now emailed again multiple times in XX/XX/2019. My emails are no longer being responded to. Calling in, Chase representatives insist that I use the email. 

As I write this on XX/XX/2019, the 11 duplicate charges totaling {$890.00} that Chase billed me on XX/XX/2019 have not been refunded and I am unable to get an adequate response from anyone at Chase. 

Chase is a major institution and their credit card service is only a sliver of their business, but this conduct is unacceptable. I would not tolerate this from any business, let alone from a leading bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed illegal inquiries on my Equifax report and received a response dated XX/XX/21 that all of them were verified. None of the inquires included proof of their validity. Furthermore, I have attached letters from the companies XXXX XXXX, XXXX and XXXX XXXX stating that their inquiries will be removed, but Equifax sent me results with completely different information than what was given to me by the actual companies. This is another issue of Equifax not truly investigating my request and just sending me an automated response without looking into my issue. I have three seperate inquiries from one company whom I have never heard of before, XXXXXXXX XXXX XXXX. I am curious to see what information was received from the company verifying these inquiries which I have never been provided. XXXX XXXX has stated that they do not put inquires on accounts, yet one is on my Equifax acct on behalf of this same XXXX company. I have attached Equifax 's results also. I am still disputing with XXXX XXXX XXXXXXXX, as I have yet to receive actual verification that this inquiry is mine from the company nor Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these accounts have violated my rights Dept of Ed/XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 section 602 A states I have the right to privacy also states a consumer and reporting agency can not furnish an account without my written instructions
Product: Credit card

About 41 monthly payments in on a 60-month repayment plan with Citibank. In error, they drafted XXXX payments from my bank account in XXXX ( 3 days apart ). Refund of {$36.00} NSF fee and refund of {$530.00} was approved to be escalated ( XXXX48 hours ) on XXXX/XXXX/16. As of XXXX/XXXX/16, refund has not occurred although I have contacted Citibank multiple times to no avail. Only getting the runaround.
Product: Payday loan, title loan, or personal loan

I was denied credit after applying for an extension of credit from Capital One on XX/XX/2022, twice on XX/XX/2022 and XX/XX/2022, which are violations of 15 USC 1611 and 15 USC 1691.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt XXXX. I do not have a contract with that company. I have contacted XXXX regarding this collection fraudulently filed on my credit report, but they still refuse to remove it.
Product: Debt collection

Company fails to LAWFULLY verify, validate, and/or otherwise authenticate the alleged debt and debt owed, with original creditor information including but not limited to any and all signatures by bith parties involved to make any agreements valid. 

Company failed to provide proof that they are licensed and/or authorized to collect the debt in thenstate of New Jersey XXXX 

Company failed to honor Identity Theft reported protocols. 

Company fails to cease and desist from unlawful collection and reporting methods. 

Companys unlawful methods are creating an adverse affect on me financially and libelously whereby they are NOT the secured party creditor and are reporting on a corporation INCOME which is unlawful to do.
Product: Money transfer, virtual currency, or money service

On Tuesday, XX/XX/2023 at XXXX, I received an email message from " XXXX '', stating that I won a prize. The email stated : " XXXX XXXX XXXXXXXX ''. The message stated to contact the shipper XXXX XXXX Delivery, at : XXXX XXXX XXXX XXXX XXXX', using XXXX XXXX XXXX XXXX XXXX XXXX She " XXXX '' stated that I won an XXXX and an XXXX laptop. I texted the " shipper '' and he requested that I send {$50.00} for expedited shipping fee from XXXX. He said to use phone number XXXX ( Under the name XXXX XXXXXXXX XXXX Delivery ). Then he texted & said I would get an email from XXXX. I ended up getting an email from " XXXX '' requesting that I send {$100.00} for insurance. I thought this was odd because the email did not come from XXXX. I asked the " shipper '' why this email did not come from XXXX, & gave me some fishy excuse. I asked the person/shipper to refund my money. They asked for my phone number so they could refund my money back to my bank account. They said they did, but I NEVER received a refund!!! The Zelle confirmation of the money I sent is # XXXX. I filed a fraud complaint with my bank XXXX XXXX XXXX and also filed a fraud complaint personally with Zelle. My bank filed their own complaint directly to Zelle. I was denied a refund. Please see attached supporting documents.
Product: Debt collection

CCS collection is tryna collect on two debt from me of {$470.00} and {$250.00} without sending the proper paperwork I need PROOF showing that this in indeed my debt I got a paper in the mail with my name and address on it with a bill that can not be verified that it is real. Anybody can send a fake bill but I need Actual proof that this is my debt I need paper showing that I was paying on these bills A signed contract with my name on it My monthly statement of my paying the bill. 
I know my FCRA laws and youre not following these laws
Product: Debt collection

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 16929 Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices Please provide the following : ' Agreement with your client that grants you the authority to collect on this alleged debt. 
" Agreement that bears the signature of the alleged debtor wherein helshe agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account,. Any Judgments obtained by any creditor regarding this account. 
. Name and address of alleged creditor. 
. Name on file of alleged debtor. 
. Alleged account number. 
. Address on file for alleged debtor. 
. Amount of alleged debt. 
. Date this alleged debt became payable. 
. Date of original charge off or delinquency. 
. Verification that this debt was assigned or sold to collector. 
. Complete accounting of alleged debt. 
. Commission for debt collector if collection efforts are successful. ide me with competent evidence that I have any legal obligation to pay you.
Product: Student loan

To Whom It May Concern : My loans, which were initially with servicer XXXX, were set for repayment in XX/XX/XXXX. I signed up for an income base repayment option at this time ( I was in XXXX  ). In XX/XX/XXXX I entered into a Public Service Loan forgiveness program and my loans were transferred to XXXX XXXX. This company was suppose to back track my qualifying payments and count them toward my forgiveness ( The XXXX that I was working at was non-profit and qualified ). Unfortunately, this was never done. I called several times and submitted several complaints. They state they have my file and it is in the process of review. They state ; however, that there is no one who reviews these cases. They can not direct me to a manager or reviewer. They acknowledge over the phone that these months should count, but have failed to correct my qualifying payment number. This has been ongoing for 9 months. I would like the months of XX/XX/XXXX-XX/XX/XXXX to count toward my total number of qualifying payments under PSLF. 

Thank you for your time, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within XXXX  days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX