23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4.  ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An  itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX   Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged : XXXXXXXX XXXX XXXXXXXX - XXXX Listed below are the Inquiry that are being challenged : 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
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was sent a Venmo payment of {$1000.00}. On XX/XX/XXXX at XXXX I initiated a transfer of {$990.00} to my bank account via standard transfer. Venmo says the transaction was complete XX/XX/XXXX at XXXX. The funds were never posted to my account. I contacted customer support who was extremely unhelpful. I also contacted my bank ( XXXX ), who confirmed that there was no pending credit from Venmo. On XX/XX/XXXX Venmo opened a dispute. Since then, it was been under review and they are no longer responding to my emails. It has been XX/XX/XXXXdays since I tried to get my funds and I still have no resolution.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX, California XXXX Dear MIDLAND CREDIT MANAGEMENT, I am writing to address your [ letter or phone call ] dated XX/XX/2023, a copy of which is enclosed, as I contest the validity of the asserted debt. 

This marks the initiation of communication on this matter, and pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically under section 809 - Validating Debts, I insist on a comprehensive written response providing the following information : 1. A detailed breakdown of the alleged debt and its origin ; 2. A clear and transparent exposition of the calculations leading to the purported amount owed ; 3. Provision of all documentation demonstrating my agreement to the indebtedness ; 4. Identification of the original creditor in question ; 5. Verification or furnishment of any judgment pertaining to this matter ( if applicable ) ; 6. Presentation of evidence of your licensing in accordance with the laws of my state, along with relevant license numbers ( if applicable ).

I am acutely aware of my rights under both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. It is imperative that you understand : Any imposition of interest or fees is permissible only as stipulated in the original contract and state legislation.

Your obligation to respond to this dispute is limited to declaring your intent to either cease collection efforts or pursue lawful avenues for debt recovery.

Pursuing a judgment without adequately validating the debt will be contested in a legal forum, and non-compliance with FDCPA guidelines will be brought to the courts attention.

I explicitly communicate my decision to record all telephonic conversations, preserve all correspondence, and promptly report any violations to the State Attorney General, the Federal Trade Commission, and the XXXX XXXX XXXX

Given that I have formally disputed this debt, any reporting to credit-reporting agencies must reflect its disputed status. Failure to adhere to this requirement violates the Fair Credit Reporting Act ( FCRA ) 1681s-2.

In the event that you do not hold the rights to collect this debt, I demand immediate transmission of this dispute letter to the original creditor for their awareness.

Concluding, pursuant to section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, I assert my right to be contacted solely via official mail. Any correspondence should be limited to notification of the termination of debt collection efforts or specific actions permitted by law. 

Your adherence to these directives is expected, and I anticipate your prompt and thorough response to this dispute. 

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

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Closed. {$10.00}, XXXX written off. 
Status updated XX/XX/XXXX XXXX {$0.00} XXXX updated XX/XX/XXXX Recent payment {$10000.00} as of XX/XX/XXXX Monthly payment - Original balance {$15000.00}
Product: Money transfer, virtual currency, or money service

I have a checking & savings account with Huntington Bank. On XXXX XXXX XXXX  I had two identical fraudulent charges made using my checking account via XXXX. Both were for {$600.00} sent to a XXXX XXXX & a XXXX XXXX minutes apart. I notified Huntington immediately but was unable to speak to anyone until XX/XX/XXXX, due to the holiday. I was told the charges, totaling {$1200.00} total, would be investigated. I found it odd that they did not close down my account. Today on XX/XX/XXXX more than 3 weeks later, I received a letter telling me they ruled this was not fraud & gave no method to argue their findings ( only that I could request the documents they looked at ). While I only received this letter today, it is dated XX/XX/XXXX ( 7 days after the fraud occurred ) & post marked a week later ( on XX/XX/XXXX ). I tried to contact them several times during these XXXX weeks to get an update on the investigation, but was automatically put into a have a representative call me back answering service. I wasnt able to talk to an actual human during any point of their investigation only my initial call/report to a female representative who did not give me a case number or any information that I could use to reference that we had ever even talked. In the 3 weeks following, I continued to get alerts that my phone number was changed on my account ( including one within the XXXX hours of the fraudulent charges ) pointing to fraud/hackers. I changed my number, password & opted to use facial recognition for my account & notified Huntington about this & the possibility this was all linked & asked them how to proceed. I got no response from Huntington.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Equifax announced a significant data breach, compromising sensitive personal information of millions of U.S. consumers, including names, addresses, Social Security numbers, birthdates, and in some cases, drivers license numbers. As a result, my personal data may have been exposed to unauthorized parties. 

I would like to request that you review my credit report for any suspicious activity or accounts opened in my name due to the breach. I also request that any inaccurate information related to this incident be corrected, including fraudulent accounts, inquiries, or incorrect balances. Additionally, I am requesting that you provide a free copy of my updated credit report after the investigation. 

Please confirm that you have received this request and provide me with an estimated timeline for the resolution of my dispute. If any fraudulent activity is detected, I also request that you place a fraud alert on my file to prevent further damage. 

Thank you for your prompt attention to this matter. If you need any additional information or documentation from me, please do not hesitate to contact me at XXXX ands experians data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem getting my free annual credit report from XXXX XXXX, Equifax and XXXX. Under the Fair Credit Reporting Act ( FCRA ) I am entitled to XXXX free credit report annually. Furthermore, I want XXXX XXXX, Equifax and XXXX to release my credit report to all lenders, creditors, banks and credit unions.
Product: Credit card or prepaid card

I was enrolled in monthly payments of {$23.00} on m y Barclay credit card. I paid off my credit card ( a total of {$1400.00} ). My account was c losed. On  XXXX   XXXX , {$23.00} was withdrawn from my bank account by Barclay. I called customer service requesting my money back and to stop automatic payments since the card was closed and paid o ff ( Statement balance of {$0.00} ). They assured me that I would no longer be charg ed and sent a check in the mail with my {$23.00} back which I received a couple weeks later. On  XXXX   XXXX , {$23.00} was taken out of my account, that i was unaware of. On  XXXX   XXXX , another {$23.00} was withdrawn by Barclay card. On  XXXX   XXXX , I received a statement in the mail notifying me of payment for  XXXX . Neither  XXXX  nor  XXXX   XXXX   XXXX   payment was authorized by me. I had to spend an extra {$30.00} through my bank to get a stop payment request, which over drafted my account, just so Barclay card will not be able to withdraw more money, however that only lasts for six months.
Product: Credit reporting or other personal consumer reports

Victim of identity theft this was not sent in error, and not a material misrepresentation To whom it may concern these items in my credit file are unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware if any of this.

Please REMOVE ALL NEGATIVE ITEMS THAT IS DEFAMING MY REPR this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received an offer from Citi Checking to start a checking account. I was to fund it with {$15000.00} and keep the funds there for 60 days and then keep at least {$10000.00} in the account for 90 days longer until I received the {$300.00} that was offered. They never paid me and when I called them they said they changed the offer language after I started the account. The account number is XXXX.
Product: Credit reporting or other personal consumer reports

SUBMITTED FTC REPORT, POLICE REPORT, ID THEFT AFFIDAVIT, IDENTITY DOCMENTS AND LETTER REQUESTING THE BLOCKING/REMOVAL OF TWO FRAUDULENT XXXX XXXX ACCOUNTS ON MY CREDIT REPORT PER 15 USC 1681c -2 ( a ) THE FRAUDULENT ITEMS ARE PRVENTING ME FROM PURHASING A NEW HOME
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Accounts Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXXXXXX XXXX XXXXXXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items as soon as possible : XXXX XXXXXXXX XXXX Date Assigned XX/XX/XXXXXXXX XXXX Original Balance {$61.00} XXXX XXXX Date Assigned XX/XX/XXXX Original Balance {$510.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX. Also, you have continued reporting some of the accounts and information that was already been removed from my Credit file from other Credit Bureaus. If you believe that the disputed accounts and information belong to me, I require you to send me copies of proof of verification. In the event that you can not find any documents supporting your claims, immediate removal of the disputed items is expected.
Product: Credit reporting or other personal consumer reports

Bad credit refers to a person 's history of not paying bills on time and the likelihood that they will fail to make timely payments in the future. For individuals it is often reflected in a low credit score. Having bad credit makes it difficult to borrow money, especially at competitive interest rates.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX, XXXX XXXX, was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in my account to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXXXXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Due to the inaccurate reporting of attached accounts. At this time I would demand that they be removed at once. This has cause me several financial woes. And Im continually being denied for lines of credit due to this violation. My name is XXXX XXXX XXXX and this is not a third party filing this complaint.
Product: Credit reporting or other personal consumer reports

My report lists hard inquiries I didn't approve, contrary to 15 USC 1681c-2. These need removal as they affect my credit negatively.
Product: Credit reporting or other personal consumer reports

This marks my XXXX attempt to submit a complaint concerning this matter. In 15 days, I intend to update my credit report, and I am concerned that, similar to my previous endeavors, my request to eliminate fraudulent items from my credit reports may be disregarded. I question whether it is necessary to continually remind you that, as per FCRA Section 605B ( a ), credit reporting agencies are mandated to remove any items identified by a consumer as information resulting from alleged identity theft, not later than XXXX business days after the date of receipt. Given that none of my letters and complaints have been attended to since the initial correspondence, I am hopeful that 15 days from now, upon updating my credit reports, positive deletions will be evident. I will also attach the FTC report with reference number # XXXX for your consideration. Enclosed are the items that I formally request to be removed from my credit reports across the respective bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 ************EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit card

My interest rate was recently increased to 21.49 % This is despite my account being in good status. I attempted to contact Chase to request a lower rate and was advised that this was the lowest rate available.
Product: Credit card

As XXXX XX/XX/year>, I went to the ATM to make cash credit card payments. The first payment of {$1000.00} was processed successfully. The second payment, which I did not count precisely due to being in a hurry but estimated to be between {$1000.00} and {$2000.00}, was not processed because the ATM jammed. The ATM provided a receipt with the following message : " We apologize for the inconvenience. We are unable to process your request and can not return your items. Please contact our Electronic Claims team at XXXX to discuss this transaction. '' I immediately contacted the provided number and spoke with a representative. I informed her of my uncertainty about the exact amount, and we agreed to report the higher estimate of {$2000.00}. We both assumed that the bank would audit the ATM and credit me with the correct amount. 

In XX/XX/year>, I received a letter stating that {$2000.00} was not found and that my credit card would not be credited. Frustrated, I called back and was informed that I needed to provide an exact amount for a reinvestigation. I then reported the lower estimate of {$1000.00}. 

Today, XX/XX/year>, I called for an update and was told that no discrepancy was found with the ATM and that no credit would be issued. I requested the ATM footage to prove that I had entered cash, but was informed that a subpoena is required to obtain it. I even mentioned the receipt the ATM provided ( with a transaction and an exact date and time ) to prove that I did enter cash and the ATM gave me the receipt as an error but you the representative did not seem to care. 

I am dismayed that an established institution like Bank of America can not verify my deposit through their surveillance, audit, or backlog ( my receipt ) and claims that the ATM balanced with no overage. As a result, I have lost $ XXXX with no apparent recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has taking the liberty to apply for credit using my identity. There are a lot of inquiries showing on my Equifax report. I did not apply for credit with any of these companies. I did not authorize anyone to view my credit. Please assist me in anyway possible in resolving this matter. I have enclose identity report with inquiries listed. I did not apply.
Product: Credit reporting or other personal consumer reports

XXXX, is obligated by FCRA to report accurate accounting. Consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is NOT asking for an e-oscar report, if XXXX does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form 211 treasury omb forms to audit consumers account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting a collection/chargeoff or ( 180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I have been faithfully paying on this account every month for years to XXXX. I was not aware that this account was reporting derogatory information until I recently obtained a copy of my credit report. I was never notified by XXXX that this account had been sold to another lender. It is clear that the new company who purchased this student loan debt was not applying the payments I was making monthly to XXXX. I have attached a copy of my statements showing my timely monthly payments. Consequently, because my monthly payments were not being applied correctly, this has caused the derogatory reporting on my credit report. I have contacted XXXX along with the bureaus to remove the collection/chargeoff and lates however, I have not been successful. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report.