23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : STATE REGULATORY AGENCY Thank you for your help in this matter.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. 

XX/XX/XXXX SS XXXX
Product: Debt collection

On XX/XX/XXXX I contacted a debt collector because a debt from a hospital I visited in XXXX is on my credit report and my state insurance should have paid it. They refuse to contact the XXXX XXXX  Oregon XXXX XXXX and get payment from them. This is not my fault. I gave the hospital my insurance info and I have the debt collector my insurance info. I want this collections of my report if possible?
Product: Credit reporting or other personal consumer reports

The school made a mistake and accepted a loan which I declined a year ago. 
Direct unsubsidized loan ( XXXX XXXX XXXXXXXX XXXX ), Principle amount {$20000.00} Loan servicer : XXXX Account number XXXX
Product: Credit card

To Whom it May Concern, My name is XXXX XXXX Ive been a customer for some years now and I can not believe how I was treated after coming back from XXXX on my trip. I contact tj max rewards card regarding removing a late fee and no help at all. I also started to receive multiple fees which I have no idea where they came from. After login in everyday the charges changes. This is unacceptable and I would like a fair share of removing the 30 day notice off my credit because this was not my fault after being away. As you can see I am always on time with my tj maxx card. I am an excellent customer on payment and on time as you can see. Thank You!
Product: Credit card

XXXX XXXX I received an email from bank addressed to a first name initial error stating that application was received and was pending. I wrote another complaint with more details to occurrence.
Product: Payday loan, title loan, or personal loan

XXXX XXXX bike for full refund. 

XXXX issued refund to Affirm. 

Affirm loan shows paid off on Affirm app. 

Affirm refunded only some of the payments i made directly to my XXXX checking account. 

Still short over {$1100.00} on refund. 

Contacted Affirm to inquire and they - would not tell me how much more refund i would get - how much they refunded to date - said to wait 30 days for a check of unknown amount. 

I saw on XXXX that others have waited the 30 days only to be told to start a case and have waited months with no refund. Here is the thread : https : XXXX? utm_source=share & utm_medium=ios_app & utm_name=iossmf So basically Affirm is stealing peoples money and not releasing refunds. 

I tried calling Affirm and waited on hold for an agent for over 15 minutes and got disconnected.

I am currently on hold again for 10 minutes waiting to inquire for exact details on how much more refund, exactly when i will receive a check and where the check will be sent. 

I finally reached an agent and was told that because many of the payments were over 180 days old the agent had to calculate the refund by hand and start a case for investigation. 

This is criminal. They are intentionally holding the money until someone wastes hours of their life to get an agent to hand calculate refunds. 

No other financial institution operates like this. 

I am now waiting on hold for this process ( which i suspect is a process to try to have me disconnect from the call ) and have no confidence that I will receive a refund. 

I believe i made 20 payments on a zero interest loan of XXXX and received only XXXX payments refunded. So i am missing at least XXXX x XXXX = {$1100.00}
Product: Mortgage

I fell behind due to XXXX. I was on the COVID forbearance and when it was over my lender refused to offer me the XXXX partial claim. They gave me a modification with a trial period of XXXX, XXXX and XXXX. My interest rate when I took the forbearance. I believe the XXXX partial claim would have allowed me to keep my rate. Wells Fargo refused and the modified payment raised my payment from {$2300.00} to {$3000.00}. Wells Fargo stated that my interest rate went up, however again I requested the partial claim and Wells Fargo decided to increase my payment putting me in another hardship. I spoke to Wells Fargo on XX/XX/2022 and I was told there is too many modifications. I question this because XXXX  has a XXXX month period between modifications. They refused to send me prior modifications. Now, Wells Fargo sent me a letter stating they are refusing to even review me. Isn't that a decision for XXXX to decide? I believe Wells Fargo is obstructing me from getting available assistance. I also believe Wells Fargo gave me a modification with an increased payment to " set me up to fail ''. I would like to know why Wells Fargo is not allowing their homeowners to access assistance. Also, I do not believe Wells Fargo is following the CARES act in regard to keeping me informed of assistance. I believe Wells Fargo is pushing me into default.
Product: Consumer Loan

XXXX XXXX XXXX/Chase took {$5000.00} that I over paid on my lease account and gave the dealer a {$5000.00} credit on the dealers payoff on the vehicle which I returned. Unfortunately, when I requested a refund I was told " NO '' by several customer service reps and their escalation team. Another department Customer Account Research has requested and received a copy of my bank statement showing the cleared check. I was never informed that the overpayment would be applied to the dealer 's payoff. I had planned to purchase the leased vehicle, but I changed my mind. No contract was ever received or requested.
Product: Debt collection

Debt Verification Letter XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] CAPITAL ONE AUTO FINAN XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Debt Verification Account Number : [ XXXX, ] Dear CAPITAL ONE AUTO FINAN I am writing to formally request validation and verification of the debt your company claims I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g. Please provide detailed information so I may determine whether I am indeed responsible for this debt.

In particular, please send me : 1. The original creditors name and address associated with the debt.

2. The amount of the debt, including a breakdown of any fees or interest accrued.

3. Proof that your agency has the authority to collect this debt, including any documentation confirming your assignment or ownership of the debt.

4. Details of the original agreement that created the debt, to verify the legitimacy and accuracy of the claim.

5. Please treat this letter as a formal dispute of the debt and cease all collection activities, including reporting on my credit, until the requested information is provided. Additionally, please be aware that any attempt to collect a debt without validation is a violation of the FDCPA. 
Thank you for your prompt attention to this matter. I look forward to receiving the necessary information to resolve this issue. 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Texas XXXX Phone Number XXXX email : XXXX XXXX
Product: Debt collection

I answered a call a few months ago from someone claiming to be representing a debt collection agency and they stated I owed over {$3000.00} to XXXX and they were collecting the debt. They asked me how I would pay. I told them I did not owe anything to XXXX and thought they had the wrong number. About a week later I received a letter from a credit collection agency saying I owed {$3300.00} to this collection agency from a XXXX debt. The letter said I had 60 days to dispute the claim or the agency had the right to continue to collect it from me. I sent a letter to them disputing the claim and I never heard back from them. Today I was trying to refinance the our house and the bank said that I have a {$3300.00} collection debt that was on my credit reports. I was shocked ... and upset. I do not owe anything to XXXX and am not in collection with any of my bills. I was never given any evidence of what this debt was and I had disputed the accusation. 

I called XXXX and they confirmed that I do not have any debt according to their records that they had no record that I had ever had a bad debt that went to collection. 

How can a collection agency place negative reports about me to a credit bureau without any proof that I owe a debt? Can they still post negative information and claim that you owe money after you submit a dispute? Can they make up any amount ... ..and just say that you owe it ... ..and if you don't pay they will try to ruin your credit and place false reports to credit agencies? 

What are the requirements for reporting debt on someones record? What proof is required? This seems so crazy. The bank representative helping me with my refinance also indicated that this looks strange and the agency submitting the claim is difficult to find ... after a number clicks/searching I found that it is. 

Cavalry Portfolio Services COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I want this company to retract the report they sent to the creditors. They have no evidence that I owe anything ... as XXXX directly confirmed that I have no debt with them or record of unresolved debt. Now this false claim has impacted my credit score and my ability to do things like refinance my home or take out a loan.
Product: Credit card or prepaid card

In XX/XX/2018 I received a shipment of something I did not order. I immediately contacted Chase Visa credit card and they confirmed fraudulent activity on my account. They closed and re-issued my card. 

I checked my account online and noted 2 fraudulent purchases : 1 ) One item shipped to my home from XXXX for {$440.00} ( dated  XX/XX/XXXX ) and another from XXXX XXXX ( dated XX/XX/XXXX ) for {$830.00}. The latter was shipped somewhere else. I made one attempt to call XXXX to request a return label. There was no answer, and I sensed it was a " shady '' company so I did not pursue further. Instead I requested that Chase follow-up with them for return instructions. Although both charges were initially cancelled, Chase later reinstated the XXXX charge claiming that I had " benefited '' from this purchase. ( it is a large kitty litter box which was of zero value to me. ) My complaint is against Chase, in particular their " recovery/fraud '' team. They are based in the XXXX and I have noticed a disturbing pattern during my conversations with them. They made the following false statements to me : 1 ) The XXXX purchase was a " chip '' transaction. 
( This is impossible as it is an online only company. This was easily confirmed by checking their website. Why didn't Chase check also? ) Here is a link, please scroll down to bottom XXXX XXXX XXXX 2 ) XXXX had my email address therefore I must have made the purchase. 
( The address they told me was a XXXX account which I have never had. ) 3 ) They said I needed to send Chase proof that I did not order this. ( I'm not sure how to prove that I did NOT do something. When I asked what they meant by proof they suggested I send a copy of a police report. I did not file a police report nor do I believe it is the job of my local/state police to handle Chase 's online fraud! ) 4 ) They claimed that I had approved the XXXX XXXX purchase when they knew full well that I did not. I suggested they look into the shipment address for the XXXX charge for clues as to who had my credit card number. They said they would have to charge this BACK to my credit card in order to re-open an inquiry. Why was this not part of the initial inquiry? It seems highly likely to me that the two charges were made by the same person and they could find the other shipment address helpful. 

5 ) Finally, after talking to a Chase Fraud supervisor, she scheduled a conference call for today between her ( XXXX ) and XXXX in which I would participate. I called today to make sure this was happening and was told that the records showed I had declined to be on the call. This is totally false! They eventually admitted to me that they had made a mistake in saying that I refused to be on the call. 

I fully intend to close any accounts I have with Chase after this experience. In the meantime I would greatly appreciate any assistance you can provide. 

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

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 78 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit card or prepaid card

Complaint CHASE SECTION 1 : CHASE claims that I owe them a debt yet they CAN NOT prove it, even though I have repeatedly given them chances to prove it by sending them letters with registered mail asking them to provide me with a VALIDATION OF DEBT as per federal law. 

I sent them a CONDITIONAL ACCEPTANCE in which they did not respond with their proof of claim or the required info, therefore binding them to my new TERMS AND CONDITIONS. 

I put CHASE on notice. 

I gave CHASE an OPPORTUNITY TO CURE. 

I have attached all the letters I have sent proving that I have indeed exhausted all administrative remedies. 

I do not owe a debt and the ALL CAPITAL LETTERS name/DEBTOR, aka the legal fiction XXXX, owes the alleged debt which is off-set by, I, the ORIGINAL CREDITOR. The credit derived from my hand/living signature, and therefore my Life energy and was issued to the DEBTOR ACCOUNT via my SOCIAL SECURITY ACCOUNT which is an account linked/attached to the 'Certificate of Live Birth ' which is held at the Federal Reserve Bank as an open-ended Letter of Credit and therefore collateral to off-set and balance any alleged debt initiated by the alleged DEBTOR account, which is a XXXX  account, aka the XXXXXXXX XXXX  XXXX ' Trust, aka the XXXX XXXX XXXX , making I the ORIGINAL CREDITOR of any transaction that took place. CHASE never gave, or offered, due interest to the Living Man, and penalties for fraud and for not giving full disclosure upon the signing of the alleged contract, which does not have any wet ink signatures ( never mind the 2 signatures required by law for it to be a binding contract ). The UNITED STATES is operating in bankruptcy and owes, I, the ORIGINAL CREDITOR, for use of this Land ( 18 USC 8 ). 


SECTION 2 : CHASE has tacitly agreed to the TERMS AND CONDITIONS of my CONDITIONAL ACCEPTANCE, to settle this matter I demand that : 1. CHASE admit that I am the original creditor and source of the credit being utilized. 

2. CHASE leave account XXXX XXXXXXXX open and functional so that I may utilize my credit and be accepted for value in order to facilitate my open end credit plan that is our birthright ( 15 USC 1602 ( j ) ). 

3. CHASE reports all alleged debt as paid off to all major credit bureaus ( XXXX, XXXX, XXXX and XXXX ). 

4. CHASE pay for all fees and fines associated with this matter. 

5. CHASE pays me {>= $1,000,000} in damages. 

6. CHASE is estopped from ever bringing up this matter again and is barred from passing along this fraudulent claim to any other company or organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I dont know if this is the correct branch to contact or the most appropriate area for this issue but Im looking to file a grievance against all 3 of the credit bureaus. Recently I applied for a home equity loan, and within minutes random companies started calling me. It ended for the night, but then at XXXX the following morning they started again. On that day I received 89 phone calls and multiple text messages from all different lenders. I come to find out that the bureaus sell these companies information when credit is pulled for a mortgage related loan. Now the fact that we have zero choice in whether or not we deal with these bureaus, that makes this practice even more inappropriate. I can not opt out of their services or access to my information, yet they are allowed to share my personal business in regards to my financial decisions. With them selling information I absolutely did not express permission to do, I am now flooded with predatory lenders and with 89 calls in 1 day, I consider that harassment. When I spoke with a representative from XXXX XXXX, he told me the only way to avoid this is to put a full freeze on my credit, which then defeats the purpose of my original goal of accessing my equity with only the company I choose to give my information to. I would like to see this practice eradicated completely. Thank you for your time and if this is the incorrect place to handle this, if you know where is better, please let me know. I have filed this grievance with the FTC along with my state 's Attorney General.
Product: Vehicle loan or lease

During the last 7 years I have leased multiple cars with US Auto Sales with financing thtough there in house financing service. The first car I had was a XXXX XXXX the XXXX price on that car the day I purchased was XXXX US Auto sold it to me for XXXX grossly over charging for the vehicle. While I was doing the paper work I was told that I had to get the GAP insurance through then even tho I had full coverage. A few years into having the car it was totaled in an accident, no fault of my own when I reached out to US auto about a refund on the GAP insurance I was told that that law didnt apply to my loan and it was nothing for them to refund. I ended up getting another car from them a XXXX XXXX XXXX that I still currently had until it was repossessed two weeks ago. For what reason exactly no one can tell me. Ive been calling for weeks trying to get the location of the car to retrieve my possessions which has lead to them giving me the wrong location of where exactly the car is and how to go about getting my things. On the car which thw XXXX states is worth XXXX I still have a loan amount for XXXX. I recently looked at my credit report and it shows that both cars are still on my credit with an active lease. Which both of them should be closed out
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my 2nd request for an accurate update and to no avail has it been corrected on my credit report, nor updated.