23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer I have requested the description of the procedure used to determine the accuracy and completeness of the information, including the business name, address, person that was contacted from the original creditor, phone number and all from the XXXX XXXX XXXX XXXX XXXX. 


On XX/XX/2019, XXXX XXXX XXXX responded to the complaint from Federal Consumer Protection Bureau and stated, that they have mailed proper Validation and have spoken to the original creditor and the original creditor confirmed the debt was valid. As of XX/XX/2019, NO CORRESPONDENCE has been received from XXXX XXXX XXXX or the original Creditor. 
Two certified letters were sent to XXXX XXXX XXXX requesting Method of Verification ( attached are the certified mail receipts ). Also, certified letter was sent to the original creditor asking and requesting information about the accused debt. No response from the XXXX XXXX XXXX or the Original Creditor. Therefore, this accused debt should not be listed on my credit reports. 
XXXX XXXX XXXX has violated my rights underneath the Debt collection act. They are aware that this is an investigation and they are still reporting this account and has not provided the proper valid validation or verification which is considered to be UNFAIR PRACTICES according to 808. Unfair practices of the FAIR DEBT COLLECTION PRACTICES ACT. 
XXXX XXXX XXXX has also violated 807. False or misleading  representations, 812. Furnishing certain deceptive forms, 809. Validation of debts according to the FDCPA. 

I was never notified by XXXX XXXX XXXX in regards to the investigation. Also, I did not receive a written verification or validation notification from XXXX XXXX XXXX in regards to the dispute. Also, no information was not furnished or provided by the Bureaus stating that this debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX RE : 3 Credit Bureau Accounts and XXXX, Transunion, XXXX Source XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX This letter is being sent to you in response to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC1692g Sec 809 ( b ) that your claim is disputed, and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligations to pay you. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with any copies of any papers that show I agreed to pay you what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you if your offices have reported invalidated information to any of the 3 major Credit Bureaus. ( XXXX, Transunion, XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent. I will not hesitate to bring legal action against you for the following. 
Violation of the Fair Credit Reporting Act. 
Violation of the Fair Debt Collection Practices Act. 
Defamation of Character. 
If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time ALL Collection activities must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a suit. 
XXXX XXXX
Product: Debt collection

I was alerted to a collection notification through XXXX credit monitoring that I had a new collection reported XX/XX/year>. This debt is from CCI collections with no account number or phone number. This is a collection XXXX XXXX that I have never heard about. The amount in collection is {$180.00}. The collection states that the date account was opened was XX/XX/year>. I did not have any account with XXXX in XXXX 

This collection agency never notified me by phone, email, or mail. They have not even provided a proper account number or contact information.
Product: Debt collection

XXXX XXXX XXXX, this collection agency sent me a letter or statement to my house. I called them yesterday I informed them that I resolved this several years ago but they dont give me a clear answer. 

XXXX XXXX, XXXX this collection agency I call Them yesterday. I let them know that I dont owed any rent in this Apartment Community this was resolved several years ago. But she dont want to listen to my explanation. All she said give me your credit card.
Product: Credit card or prepaid card

Regarding Synchrony for Amazon XXXX I obtained a Synchrony card and there are {$310.00} worth of fraudulent charges on the card. All of the charges are Amazon XXXX charges, including XXXX, XXXX, etc. I provided the company with a detailed list of each charge in writing. I also paid the legitimate balance and closed the account. The company is unreachable, online chat resolution is ineffective. Calls go to an outside call service and are dropped after 15-2- minutes of holding, or transferred until finally dropped. The email section of the website is out of order. I would like the company to research and omit the fraudulent charges and stop sending me bills.
Product: Debt collection

West Asset Management puts a collection on my credit report that does not belong to me. I called the number shown on my credit report which is XXXX. After waiting for awhile, someone picked up and told me they do not have my account. They told me to call this number XXXX. I called that number and waited for another while, someone picked up and said that account belongs to medical department and I need to call the medical dept. number XXXX. I then called the medical dept. and waited for awhile and someone picked up and told me that they already sent my account to some other company and I need to call them at XXXX. I called the other company with that number and they told me that they do not have my account. I need to call back West Asset Management at XXXX. Since I already contacted West Asset Management, I do n't know what else I can do in order to remove wrong collection on my credit report. 
The West Asset Management account number is : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX, inquiry date : XXXX XXXX2017. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.
Product: Checking or savings account

Hi, I opened an account in Citibank on XX/XX/2021 and it was closed on XX/XX/2021 allegedly due to fraud. 

I talked to their customer service phone around XX/XX/XXXX so I could clear this out as I lost access to my account on their website and they said account received 2 checks that were fradulent one for XXXXUSD and the next for XXXXUSD and that was the reason for the closure. But if a check is not valid or fraud, why would they cash them in to my account or even accept them? It was pretty weird as the checks were completely legal. My partner 's brother send them from XXXX XXXX. 

We spoke to a brank manager on XXXX XXXX bank so we could get more info on the checks, to see if they were marked as stolen or something, but they told us the checks were completly fine. 

After knowing this, decided to give Citibank a new call. This time they told me that the incoming wire transfers from XXXX ( XXXX, their own company ) were also a red flag for their fraud department and the account was marked a fraudulent in general. This was ironic as I had made around 15 transfer to this account and didn't get any sort of warning or problem, at all. 

Made a third call. This time I spoke to a new person that told me that the Citibank fraud department may take up to 60 days for a final verdict and they had around 3 days left. The girl told me to make a new call later to check again on any updates and that I most likely could be getting my check for XXXXUSD any time now. Also confirmed that Citibank won't keep any of my money. This kind of gave me a sensation of relief as I might be getting the remaining balance on my account back as soon as possible. 

Called again 3 days later. This time a man told me they won't give me any of my money. He explained to me that when a bank account is marked as fraudulent, they retain the funds indefinitely but also didn't tell me what to do next. 

Tried calling once more just to double check on what I was told last time. But they told me the same. 

I went to citi to try to talk to someone about this matter, there I tried to open a business account but they never confirmed anything. There they told me that this can only be resolved by phone since it corresponds to their fraud department, they made calls to their supervisors but they only confirmed what they had already mentioned to me. 

I need my money back. The account was opened with all the requirements they asked, valid ID, valid US address and my SSN. 

I can give proof of the incoming money so you can check it is completely not fraudulent, as they claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on numerous occasions with XXXX XXXX to get this fraudulent account that's reporting {$170.00} from 2014 on my credit, tarnishing my name and misrepresenting myself as a consumer in society. I've been told numerous times that the item should be removed within 30 days in the last 6 months and it still resides on my XXXX credit report. This account was never opened by me and does not belong to me. I am a XXXX XXXX veteran and can not live my life the best I can with this item hurting my credit.
Product: Debt collection

In late XXXX, I noticed an outstanding balance of {$7400.00} on my XXXX XXXX XXXX account. I was concerned about this amount as I didnt recall accruing such charges. 

On multiple occasions between late XXXX and early XXXX, I contacted XXXX XXXX XXXX  customer service to seek clarification on the outstanding balance. During these interactions, I was referred to the generic wireless service agreement on XXXX XXXX XXXX website and was told to use my bill as the definitive proof of the debt. However, I found this information insufficient to explain the charges in question. 

Around XX/XX/XXXX, the account was handed over to Credence Resource Management, a collection agency, to recover the outstanding amount. I promptly disputed the debt with Credence Resource Management and requested a detailed breakdown of the amount owed, a copy of the original contract or agreement, and verification of their authority to collect this debt. 

Despite my requests, the collection agency failed to provide the requested documentation. However, on XX/XX/XXXX, Credence Resource Management informed me that the account had been recalled by XXXX XXXX XXXX. 

Subsequently, I continued my efforts to resolve this matter with XXXX XXXX XXXX but was met with the same generic responses. I was neither provided with a clear explanation of the charges nor any of the requested documentation to validate the debt. 

Feeling that my rights as a consumer were not being respected and the lack of transparency from XXXX XXXX XXXX and the collection agency, I escalated the issue to the Federal Communications Commission ( FCC ), XXXX, XXXX, and XXXX to dispute the debt and seek resolution. As of now, the issue remains unresolved, and the lack of documentation continues to leave the validity of the debt in question. 

I am seeking the assistance of the FTC to help resolve this matter and ensure that the companies involved adhere to fair and transparent practices in line with consumer protection laws.
Product: Debt collection

I found out that the comapny was reporting to the credit reporting agency on XXXX, XXXX the company has not followed the federal law in regards to section XXXX of the FAIR CREDIT REPORTING ACT 606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] ( a ) Disclosure of fact of preparation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, 606 - 15 U.S.C. 1681d XXXX general reputation, personal characteristics and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX id number Im sending more information on this account..XXXX  send me a Dispute update on this account which was reported XXXX information in the historical account Section is in accurate and false information..I asked them to send me contracts between me and his company also the payments amount in the balance and date of last payment is faults.. I want this account removed from my report, This false information is hurting me from buying a home.
Product: Mortgage

Dear Customer Service Representative, I need your help. I am a XXXX XXXX Veteran. I would like to keep my home. I would like to refinance my home mortgage with a VA loan. I have already received a Certificate of Eligibility from the U.S. Veterans Administration. My home loan was initially financed by XXXX. They sold my mortgage to Bayview Loan Servicing , LLC . I have had a lot of problems dealing with Bayview Loan Servicing , LLC . In my opinion, I believe that I am being discriminated against because I am a XXXX Veteran. I was recently admitted into the XXXX XXXX due to XXXX. I am not sure if they dealing in bad faith or if they totally incompetent. My foreclosure trial is XXXX XXXX, 2016. I desperately need your help. 

I have been contacting Bayview Loan Servicing , LLC . by phone, email, and express mail since XXXX of 2016. In XXXX of 2016, I sent them an updated Request for Mortgage Assistance via, fax, e-mail, and express UPS mail. They have NOT acknowledged receiving it. In fact, I have evidence that they have NOT READ and ERASED my e-mail on at least 3 occasions. I also have evidence that they purposely provided me with the INCORRECT mailing address on at least 15 occasions in less than 3 months. I am not sure if they dealing in bad faith or if they totally incompetent. 
The contact information for my new mortgage owner and servicer is as follows : Bayview Loan Service, LLC., Loan # XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX , FL XXXX XXXX and XXXX ; XXXXXXXXXXXX and XXXXXXXXXXXX. My contact information is : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, CELL : XXXX and e-mail : XXXXXXXXXXXX. 
In summary, I would like to keep my home. I would like to refinance my home with a VA loan. I need for Bayview Loan Servicing , LLC to treat me fairly. I will appreciate ANY assistance that you could give me. My foreclosure trial is XXXX XXXX, 2016. Thank you. 

Very respectfully, XXXX XXXX, XXXX. 
XXXX Veteran XXXXXXXXXXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT HAVE A LOAN EVER WITH CHRYSLER CAPITAL # XXXX THIS DOES NOT BELONG TO ME
Product: Student loan

Sent them a check for almost $ XXXX. They received and cashed the check but it 's been 2 weeks and my account has not been credited. Called several times and no one can help. Trying to do the right thing by honoring my obligation but it 's turning into a huge headache. In the meantime, my balance is stilll collecting interest.
Product: Credit reporting or other personal consumer reports

IM IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE. 
ACCOUNT : XXXX XXXX XXXXXXXX Account Number : 2411 IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please send me an updated copy of my credit report after your. I ATTACH A SCREENSHOT WITH THE INACCURACIES THAT EACH CREDIT BUREAU IS REPORTING AS THE DATE OF THE LAST PAYMENT, THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS
Product: Mortgage

My deceased wife and I tried to apply for a refinance back in 2017 that was at a then XXXX XXXX interest rate as we were 7 months behind on the mortgage. The mortgage itself was given to HER ONLY on the basis of her XXXX check as a form of repayment. Wells Fargo came to the house, we filed the proper paperwork and was still denied and stayed at XXXX XXXX interest for a 40 year loan after 11 years of paying interest. The 7 months was added to the mortgage and had to start over. We solicited wells Fargo again, with no relief before she passed away leaving me to solely repay this now 40 year loan. I'm XXXX and will NEVER be able to repay this. This in in behalf of her and I, unfortunately she is no longer here to be at my side to see what becomes of it. ANY HELP would be very much appreciated..This loan was issued to my wife and I assumed it after we married. It remains in her name post death as they instructed me to do so.
Product: Payday loan, title loan, or personal loan

In XXXX of 2022 a sales associate with XXXX XXXX came to our house and sold us solar panels to be financed through Solar mosaic. We were promised a reduction of around 70 % of our power bill, we were told we would have a warranty, and we were told we would get a rebate to pay off 30 % of our loan when we did our taxes. all of this turned out to be lies. We don't even save XXXX $ a month, we don't have a warranty, and we didn't receive the rebate as we were promised. Without paying the 30 % within 18 months the amount due will increase XXXX $ per month over the lifetime of the loan ultimately doubling the amount we owe we can't afford to pay for an additional power bill, I have called and spoke with Mosaic numerous times to no avail
Product: Credit card or prepaid card

I'm really very upset at U.S. Bank. 

On or around Monday XX/XX/XXXX I was trying to login to my online banking, using the same username / password I always use and is saved in my password manager. After experiencing problems, I called the number on the screen with the error message that my 'Username had been disabled '. I have no idea why. 

The First agent was unwilling or unable to validate me b/c I didn't have my full account number available, and didn't know the date I 'opened the account '. My wallet and card were in my car, and I don't receive or keep paper statements. No other bank asks for this. 

They were rude, and unhelpful. So I called back, and got the same runaround. Was willing to answer ANY other security question, or provide personal information. Didn't help at all. The next day, I went to get my wallet and US Bank Visa to provide the information. 

Today ( Wednesday XX/XX/XXXX around XXXX PM ) I called a different number on the back of my card, and explained this. She had me try to login again from a new browser, which initially worked just fine, and asked me to change my password which I did and as part of this had to enter a code sent to my mobile phone, which worked initially. 

However, when trying to login again it gave me the same error. That my user ID had been disabled. She then transferred me to 'Web Support ' who proceeded to explain my User ID had been disabled *today* ( even though I've been getting the error for 3 days ) and that I would have to call back Friday to try and resolve this... What???? 

I asked *why* my UserID had been disabled in the first place, when all I want to do is make a payment on my account and my car payment... She could not give me an answer, other than call back Friday. I asked to speak with a supervisor, but she told me even a supervisor could not do anything. 

So now I've wasted at least an hour of my time ( *Worth $ XXXX {$1000.00} ) and have gotten nowhere ... To make matters worse, I have to call back on Friday and attempt to resolve this again, when I've done nothing wrong to cause any of this. It's incredibly frustrating.
Product: Debt collection

As of XXXX/XXXX/XXXX your tradeline remain on my account. Please remove ASAP. Never received contract only statements. Requested CONTRACT AND STATEMENTS to properly validate the account. As of XXXX Ive only received statements no contract. Contract was requested in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the fraudulent information in my file. The item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete this item as soon as possible. XXXX XXXX Opened Date XXXX XXXX, XXXX  Balance {$3300.00}.