23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally dispute the collection account referenced as # XXXX on my credit report. It has recently come to my attention that this account stems from alleged outstanding charges from XXXXXXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, MD. However, I contest the validity and accuracy of the debt for the following reasons : Lack of Notification : Prior to the appearance of this collection account, I received no communication from XXXX XXXX XXXX XXXX  regarding any outstanding charges or attempt to resolve the matter amicably. There was no opportunity given to address or rectify any potential issues before it escalated to collections. 

Absence of Detailed Documentation : Despite my request for substantiation of the alleged debt, XXXXXXXX XXXX XXXX XXXX has failed to provide any meaningful documentation or evidence to support the charges totaling {$370.00}. I have diligently sought an itemized breakdown of the expenses, including dates, amounts, and the nature of the charges, but to no avail. 

Unjustified Retention of Security Deposit : Furthermore, it is pertinent to mention that XXXX XXXX XXXX XXXX has also withheld my security deposit without proper explanation or justification. This raises concerns regarding the transparency and fairness of their billing practices. 

Premature Involvement of Collection Agency : Instead of engaging in constructive dialogue to address any discrepancies or outstanding payments directly with me, XXXX XXXX XXXX XXXX  opted to involve a collection agency, I.Q. Data International , Inc., located at XXXX XXXX XXXX, XXXX, WA XXXX. This hasty action suggests a disregard for due process and a failure to adhere to fair debt collection practices. 

In light of the above, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by formally disputing the validity of this debt. I demand that all collection efforts cease until such time as XXXXXXXX XXXX XXXX XXXX provides verifiable evidence supporting the alleged charges and the legality of involving a collection agency without prior notice. 

I expect a thorough investigation into this matter and a prompt response within 30 days of receipt of this letter. Failure to provide adequate documentation or resolve this dispute satisfactorily will leave me with no choice but to explore further legal remedies available to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent formal complaints and an Identity Theft Report to XXXX, Transunion, and XXXX  in regards to inaccurate reporting on my consumer report. 

It has been well over 30 days and I have not received a response and have not seen these items removed from my report.

As required by the Fair Credit Reporting Act, 15 U.S.C. 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

They are also fraudulently verifying information on my consumer report. Pursuant to 15 USC 1681d, an
investigative consumer report can not be prepared 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, general reputation, personal characteristics, and mode of living ( which is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information ), 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 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( XXXX ) ; and ( B ) the person will comply with subsection ( b ). 

They are violating the law.
Product: Credit card or prepaid card

I went for a XXXX that I booked, for it to be XXXX XXXX XXXX. The person who was supposed to do it did not deliver and instead started doing XXXXXXXX XXXX, I told him to stop and do XXXX XXXX on XXXX occasions during the service and he failed to do it. I tried to resolve the problem with the merchant but they said I must pay, under duress. Under duress I paid it and sought my credit card company 's ( Bank of America ) assistance based on poor quality of service. I did not purchase XXXX XXXX and I should not be charged for it. It is like coming to the car shop to repair your bumper, getting your tire fixed instead, at no request of yours, and the car shop asking to pay for it! The XXXX XXXX can not just provide poor quality of service of something that I did not request and still charge you for it! I looked to my credit card to help me with having charge reversed, and they failed. I do not understand the reason for denial of this charge back, I explained how the service was not what I contracted for and I believe this should be enough to have charge back in my favor. Bank of America must honor charge back for the service I did not buy but was charged for
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Checking or savings account

Company randomly freezes my account and cause serious problems for me and my family. It is my money I will spend it as I see fit and do not need their permission for anything. This is guilty until proven innocent and they deserve to be shut down for abusing their customers
Product: Debt collection

Dear [ Creditor/Collection Agency I am writing to formally request validation of the debt referenced by account number that you claim I owe. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide me with the following information : 1. The amount of the debt.

2. The name of the original creditor.

3. A copy of the original contract or agreement that validates this debt.

4. Proof that you are authorized to collect on this debt.

5. A detailed payment history for the account in question. 

I request that you stop all collection activities until you provide the requested validation. Please send this information to my address listed above within 30 days of receiving this letter. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX and XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX. Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was received notifications saying I got a late payment from a credit building company called XXXX. I had a subscription with them but which I positively thought I cancelled but they say I didnt, It was so hard trying to get in contact with them and I asked to speak with a manager but the only way you can communicate is through email so no manager ever contacted me and that late payment is still on my report and want that account cancelled
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act, Credit Management LP, has violated my rights by reporting a debt of {$160.00} for Account # XXXX with XXXX, XXXX and XXXX credit reporting agencies .

15 U.S.C 1681 section 602a states I have the right to privacy.

15 U.S.C 1681 604a Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XX/XX/XXXX handwritten moveout notice provided and emailed confirming move out intentions in XXXX ; reminder or moveout provided in XX/XX/XXXX XX/XX/XXXX damages to my personal property and damage to their property as a result of a flood XX/XX/XXXX approximately Health and Safety Code violation preventing living in an apartment as a result of contamination in ventilation systems affecting breathing. XXXX XXXX so-called repairs included placement of an odor eliminator in the vent that further mixed chemicals impacting my respiratory system Moved out XX/XX/XXXX and found out on XX/XX/XXXX of a rental collection for {$2800.00} entered on a credit ( XXXX ) report by RS Clarks and Associates . I disputed the information through Credit reporting agencies ( XXXX, XXXX Desk, XXXX, XXXX and requested validation of the debt and documents utilized regarding the investigation that was not supplied. No proof of a XXXX XXXX XXXX investigation documents was provided. 

XX/XX/XXXX RS Clark and Associates submitted a bill outlining fraudulent alleged charges. CFPB did not thoroughly investigate the case and closed the complaint. 
I m
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 hard inquiries on my reports from Bank of America, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for any credit cards. I spoke with Bank of America. The credit application has all my personal information but is using a different phone number and possible different address.
Product: Debt collection

On XX/XX/2018 during the early evening I called by a XXXX who left a voicemail. He stated that he was XXXX from ADS and that he was attempting to locate me. Did NOT mention this involved a debt. he went on to say that I had until the next morning to call him at his direct number for they would contact my employer and family members to try to locate me ... obviously not something I want, that's embarrassing and that makes me look bad. I called XXXX direct line that he provided in the voicemail and I requested something validating the debt. He point-blank refused to do so, telling me he had no obligation to do so, claiming that I had received documents in the mail and said that they had sent plenty of emails to me in which they had read receipts of ( which I NEVER received ). I had told him that I did not receive emails and he kept arguing with me and started to raise his voice. He told me that I was going to get my wages garnished at one point.He was literally yelling at me by the time I requested a supervisor, in turn making a snide comment. I have unfortunately fallen on hard times, and have had dealings with debt collectors before ... before good night, I have never had anyone threaten me or yell at me like XXXX did. The supervisor was more concerned about me paying the debt rather than his employee.l good night, I have never had anyone threaten me or yell at me like XXXX did. The supervisor was more concerned about me paying the debt rather than his employee. I will be reporting this to the FTC as well.
Product: Credit card or prepaid card

I have two credit cards with Comenity Bank. In XX/XX/XXXX I called to request assistance with my XXXX rewards credit card payments. I was entered into a hardship program. At the time of the call, the agent signed up my XXXX Card as well. My XXXX card payments were to be {$40.00} a month. I received a letter confirming I was signed up for the program. My account was debited for the due installment. In XX/XX/XXXX I  received a call from XXXX  collections department advising that I was in default and that I needed to make a payment. I informed them that I was part of a hardship program. They transferred me to this department, at that time. I was advised that I was taken off the program due to being enrolled the prior year. I am not allowed to re-enroll two consecutive years. I never received a letter stating this or a call. I kept on explaining my situation and the department wasn't helpful.. I explained that I am not able to make the requested payments of almost {$100.00} a month. I am asking they honor my XX/XX/XXXX agreement, as they debited my account and didn't advise me correctly.
Product: Vehicle loan or lease

Civil Relief Act ( SCRA ) by failing to provide qualified servicemembers with interest rate benefits for the entire period required under the SCRA and by improperly Im a serviceman and was not offered the SCRA by this lender and I intend to pursue all legal remedy to alleviate this burden.
Product: Credit card or prepaid card

As yesterday XX/XX/2023 I was abruptly shown to have had my credit limit dropped from one of my Amex XXXX to XXXX and my XXXX card XXXX to XXXX for no reason I have made all my payments on time never late. I have my income that hasnt changed have had no job changes. As well I have been waiting for my other incomes coming so my balances were high for few months taking care of my wives medical on my cards and gifts while taking care of my small business affairs but nothing to warrant this behavior. Buy doing this it increases my credit usage above my keeping it below 50 % now it will be way over causing my score to be dramatically impacted for no reason. Would like to have this reversed please before dramatic effects take place. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my Equifax credit report. I recently retrieved my credit report and it showed 7 credit inquiries that I have no knowledge of ever authorizing. 
I have called Equifax and they have denied me of disputing the unauthorized inquiries listed below. 

Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX FCU XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

IMPROPER INQUIRIES SUBMITTED ON MY CREDIT REPORT WITHOUT MY KNOWLEDGE OR MY CONSENT
Product: Debt collection

I recieved a letter stating i owe {$160.00} to Diversified Consultants on behalf of at & t.Im not familiar with this bill nor these companies.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 

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

The following account is missing from my consumer report I do not understand why it is missing XXXX XXXX XXXX XXXX is an auto loan that was opened XXXX XXXX XXXX  Term 72 months XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Please refurnish this account information onto my consumer report.
Product: Debt collection

A credit card debt with XXXX I was making payments on till XX/XX/2019 and could not make any more due to slow work and co-signer, my mother, hasn't been well and not working anymore for long time now. I was offered by XXXX a {$4000.00} payoff last year but could not come up with it in time as i was given short deadline. Now to come up with over {$11000.00} with interest is too overwhelming. 

I am a XXXX XXXX XXXX and not been able to work much end of last year and. 
Due to the corona virus pandemic concern, all my XXXX  stop taking lessons from the last week of XX/XX/XXXX. Soon after, most all business closed and they are not spending money and I do not therefore get paid in order to pay any debt. I could not even go to the studio where I XXXX and could get new XXXX  but its been closed too. 

You can verify that i have not been to the studio to work since XX/XX/XXXX by calling, assuming anyone even answers : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I am by myself living with a roommate and together running out of money to even pay the basic utility minimums. Were trying to get help from my landlord to not pay rent for a while and local help for food donations etc.
Product: Credit reporting or other personal consumer reports

Someone stolen my ID in my family I called the police they said they can't do anything I called the credit and fraud number they set up me an account and said they where going to put a freeze on my account for credit but my ID has still been stolen there saying to log in using my ID but when i try to log in my account telling me to contact the credit company I called them 3 times today I'm not able to check my credit because someone else I believe is using my information can someone please help me get answers please thank u so much
Product: Student loan

I have been trying to consolidate my loans for the past 6 months now. My loans are supposed to be with ECMC-they are stating that my loans are in a repurchase phase and that they do n't have them and that they are to be picked up by XXXX XXXX XXXX. I called XXXX XXXX XXXX and they have no record of me whatsoever. I have been denied numerous time for consolidation because ECMC is holding and reporting incorrectly on my loans. They are improperly servicing my loans which is causing me negative reporting on my credit report. I am trying to re-establish repayment of my loans and can not do so because this agency ECMC is incompetent. Please recall me loans from them or have them properly update my loan information so that I can move forward with my financial obligation to repay my loans. They are reporting that I am in Bankruptcy and I have sent over my discharge notice to them as well and they are still incorrectly reporting on my loans.
Product: Credit reporting or other personal consumer reports

My repeated efforts to resolve the issue of false, inaccurate, and misleading information on my consumer report have been futile. The presence of these entries has significantly disrupted my life, causing substantial stress and XXXX. As a victim of identity theft, I must emphasize that I never authorized or consented to have this information linked to my name.
Product: Mortgage

I have been waiting over 30 days for a check. I have my doubts that it was ever sent.
Product: Money transfer, virtual currency, or money service

Looked for one ticket to purchase for the XXXX XXXX XXXX. Found a post on XXXX. Used text messaging to contact the person. He then proceeded to tell me he has two tickets. I happened to find two posts on XXXX with the same description inside of the post, yet different phone numbers to contact. Person told me that's his girlfriend 's post. 
He texted me a picture he took on his laptop with the g-mail email pulled up of the XXXX XXXX order ( order # XXXX XXXX ) .I asked for proof of drivers license or ID. He sent me a " selfie '' holding up his California DL with address blacked out. I did the same, sent him a DL selfie with my address blacked out as well. His DL name matched the name on the email he previously sent the picture of to me. 
He asked what bank I use, I told him Wells Fargo. He gave me the email to add him so I can transfer money through XXXX online on Wells Fargo. 
He asked for half money upfront. I agreed, sent {$250.00} first. 
About an hour later his girlfriend used his phone to text me a picture of the same email order showing the XXXX XXXX Tickets with just my name changed on top. I asked for another better picture showing the date/time on the laptop and they sent that image as well 10 mins later.

It didn't seem right but she said she doesn't want to get scammed and she will send me the confirmation email once I send the second half of the payment. I then proceeded to send another {$250.00}. I waited 30/40 mins and all he/she could text me was " Still waiting on the Wells Fargo email that you sent the money ''. 
I then told them I had to go to sleep I work very early in the morning and I trust that I'll wake up to the text and email confirmation that the ticket has been transferred. 
I woke up with no email or text from them. I then proceeded to do even more research about XXXX transferring XXXX XXXX tickets. I called Wells Fargo in the morning, they could not provide me any information about the person. I called XXXX and there's nothing they could do either. I reported this incident on IC3.gov as an internet crime. I reached out to XXXX and they don't take responsibility because I went through Wells Fargo. Wells Fargo blames XXXX and so the cycle continues with no resolution.