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

To Whome It May Consern : This Letter Is regarding account XXXX XXXX  Bal XXXX Setteled XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which you claim. This is Formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the out coming of my investigation that you submit, you are instructed to take no action that could be detrimental to any of my credit report. 

Failure to respond within 30 days of receipt of this certified letter may result in small claim legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for ; - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including bt not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following inquiries XXXX  XXXX ( Date of inquiry : XX/XX/XXXX ), XXXX  XXXX ( Date of inquiry : XX/XX/XXXX ), XXXX XXXX ( Date of inquiry : XX/XX/XXXX ), XXXX XXXXXXXX ( Date of inquiry : XX/XX/XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items found in my credit report. There are several inaccuracies in my credit report that I would like to bring to your attention. 

Firstly, regarding the XXXX inquiry, I would like to inform you that inquiries have reached the statute of limitation, and therefore should be removed from my credit report. 

Secondly, the account number XXXX from XXXX has been charged off, and I am confused as to why it still has a payment history. I request that this account be deleted from my credit report immediately. 

Thirdly, the account number XXXX from XXXX XXXX has questionable information regarding its name and number. I demand that you either clarify this information to me or delete this account from my credit report immediately. 

Fourthly, the account number XXXX from XXXX and account number XXXX from XXXX have both been charged off, yet they still have a payment history. Please delete these accounts from my credit report immediately. 

Fifthly, the account number XXXX from XXXX has been charged off, and I am confused as to why it still has a payment history. I request that this account be deleted from my credit report immediately. 

Sixthly, the account number XXXX from XXXX XXXXXXXX XXXX  is unfamiliar to me, and I demand that you remove this frivolous account from my credit report immediately. 

Seventhly, the account number XXXX XXXX XXXX has been verified by you, yet the other bureaus have not been able to do so, and they have removed it. I demand that you delete this inaccurate account from my credit report immediately. 

Lastly, the account numbers XXXX and XXXX from XXXX XXXX XXXX are unfamiliar to me, and I demand that you remove these frivolous accounts from my credit report immediately. 

Furthermore, the inquiries from account numbers XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX have all reached the statute of limitation and should be removed from my credit report. 

I kindly request that you investigate these inaccuracies and take appropriate action to correct them. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Prepaid card

Have been trying to use an Amex gift card that is repeatedly being declined by XXXX and XXXX for XXXX and XXXX respectively. The Sees charges are showing as pending in Amex but the Sees site declined the charge. 

The card is XXXX and over {$800.00} is in pending charges. 

The card is not working for me on other sites, either. 

When I called Amex, it was a purely automated system and its advice was try other sellers. Not helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

PURSUANT TO 15USC1666B THERE IS NO SUCH THING AS A LATE PAYMENT!

PURSUANT TO 15USC1666D THE ALLEGED CREDITOR FAILED TO CREDIT MY CONSUMER ACCOUNT!

PURSUANT TO 15USC 1681a ( d ) ( 2 ) ( A ( i ) SUBSECTION ( d ) CONSUMER REPORT SUBSECTION- ( 2 ) EXCLUSIONS- EXCEPT AS PROVIDED IN PARAGRAPH ( 3 ), THE TERM CONSUMER REPORT DOES NOT INCLUDE -- -- - ( A ) subject to section 1681s-3 of this title, and -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; YOU ARE NOW WILLFULLY NON COMPLYING WITH THE LAW! 
Pursuant to 15USC 1692g I have the right to request the method of verification on how the following accounts are being reported.

Please send the following information used to verify the validity of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX LATE PAYMENTS XXXX LATE PAYMENTS XXXX XXXX LATE PAYMENTS XXXX XXXX XXXXXXXX LATE PAYMENTS XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Items Highly Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute.

5. Also the procedures your company have in place to ensure each account is 100 % correct which i doubt.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If you could not produce such docs within 15 days you should delete the accounts from my report to prevent further damage. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
Product: Debt collection

I received a notice of collection placement letter from EOS CCA, statement date XX/XX/XXXX for the amount of {$120.00}, original creditor XXXX, current creditor XXXX XXXX XXXXt XXXX. I called EOS CCA on XX/XX/XXXX to find out more because I don't recall having an account with XXXX. The EOS CCA staff told me to contact XXXX, and possibly file fraud via XXXX 's website. I called XXXX on XX/XX/XXXX, their staff can not find any accounts under my name. I went on identitytheft.gov and chatted with their staff for advice, and was told to first find out if the charge appears on my credit report, if not I should file a complaint with CFPB. I ran a credit report with XXXX on XX/XX/XXXX, did not find the charge, called CFPB hotline for advice, and decided to file a complaint online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that I had promised to pay XXXX {$10000.00}. I was paying on this for 10 years and 7 months faithfully. I was attending XXXX XXXX through XXXX XXXX who was doing money laundering schemes and tricked many of us students into paying such high fees, which this link shows hard evidence XXXX XXXX XXXX XXXX XXXXXXXX ) however, also, I read over the contract during a complete forensic evidence procedure, and I found that the contract has a few defects, and they may be in violation of ( U.S. Title 18 1001 ), where it states whoever in any matter within the jurisdiction of the executive, legislative, judicial branch of Government of the United States, knowingly and willfully falsifies, conceals, or covers up by any trick, scheme, or device a material fact ; makes any material false, fictional, or fraudulent statement or entry shall be fined under this title or imprisoned not more than 5 years. I want to get this taken care of. It is not my intention to not pay anything. I want to get this settled, so If they can kindly get back to me within 10 days with a fixed copy of the contract and a copy of their account ledger, where I can see clearly the GAP according to The Fair Debt Collection Practice Act. That would be great! I also noticed that I'm the only XXXXne who signed the supposed contract ; there is no other signature, which is also a violation of UCC Section 3-401- Where there is no signature the contract is void. So, again, i'll accept their presentment if they can get me what I asked for above within 10 days. If not, they agree the terms of the supposed contract is void. But If they get back to me with the information i asked, they agree I'll settle the matter with a promissory note. Without XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

SOMEONE OPENED A XXXX XXXX XXXX in name making payments which impacted my credit, etc. I was terminated from multiple jobs, lost my car and evicted. I have not been able to hold employment due to this situation, XXXX level, etc. I filed an identity theft report and I only found out about this in XXXX of XXXX I WANT THIS ACCOUNT REMOVED FROM ALL OF MY CREDIT REPORTS INCLUDING THE NEGATIVE INFORMATION ASAP OR {$34000.00} WILL BE PAID IN ADDITION TO THE REMOVAL FROM ALL INFORMATION FROM CREDIT REPORTS ABOUT THIS ACCOUNT! Additionally, I have been sleeping in shelters, motels with vouchers, the streets, or abandoned places and public bathrooms. Every program has informed that I need help beyond their qualifications and housing is waitlisted. I CAN NOT GET HOUSING ASSISTANCE, A JOB NOR A CAR WITH THIS ON MY CREDIT REPORTS AND I HAVE BEEN ABANDONED BY MULTIPLE PEOPLE IN MY LIFE LEAVING ME TO DO EVERYTHING ALONE!!! I HAVE BEEN HOSPITALIZED FOR MULTIPLE OVERDOSES IN WHICH I WAS CONTEMPLATING XXXX DUE TO THIS SITUATION!!
Product: Debt collection

I have been paying a medical bill and I just made the last payment, yet a company is calling me telling me I owe a medical debt. I told them I just made the last payment so I don't owe anything. They said " well we have a debt in your name and you need to pay it ''. I said I want you to send me an itemized list of the debt that you say that I owe. They said " we can certainly do that and send you an itemized list ''. It has now been 10 days, I still have not received any letter or itemized list. And now they are calling me again saying I owe this debt.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX XXXX  accounts listed in the FTC report that Im attaching are results of identity theft. I have contacted the credit bureaus numerous times regarding this matter, and nothing has been done to remove these accounts. I'm attaching documentation in regard to this identity theft. I have requested that XXXX XXXX XXXX XXXX  provide the AGREEMENT and SIGNED AGREEMENT WITH MY LEGAL SIGNATURE to show full ownership of such an account and also other documents. XXXX has deleted this account from my credit report how is EXPERIAN able to validate the accuracy of this account ( WHICH THEY HAVENT ) and XXXX has acknowledged that the accounts are fraudulent, and it was opened due to identity theft. SEE attached DOCUMENTS of XXXX removal of XXXX ACCOUNTS along with the FTC REPORT REMOVE THIS ACCOUNT IMMEDIATELY THIS IS MY THIRD ATTEMPT CONTACTING EXPERIAN EVERYTHING IS BEING DOCUMENTED. ALSO, YALL ARE REQUESTING IDENTITIFICATION TO KEEP FROM REMOVING THIS ACCOUNT AND YALL HAVE MY ADDRESS CORRECT AND CURRENT ALONG WITH MY LICENSE AND SOCIAL SECURITY CARD SO DOES XXXX ITS LISTED IN THEIR OFFICIAL NOTICE AS WELL REMOVE THESE ACCOUNTS IMMEDIATELY AND STOP HARRASSING AN IDENTITY THEFT VICTIM.
Product: Checking or savings account

My card was lost and someone swiped it for {$150.00}. I have opened 3 disputes with chime each denied. I have my location with the time i was at the store from XXXX, the transaction was made at XXXX i sent them this information and was denied. i sent them the police report i filed and still denied. this transaction put my account in the negative {$90.00} and of course when i got paid i had to pay that back to be able to use my account. i do not feel as though they are even doing a thorough investigation since it only take an hour or two before i get denied again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has sent 4 deletion requests to Equifax regarding deleting the collection account on my credit report, this has been going on for over 1 year & I have been fighting a losing battle with Equifax. Equifax continues to state that the debt is being validated by the collection agency & refuses to delete it, yet XXXX XXXX doesnt even have this account & they havent in over a year. XXXX XXXX  said this is an issue with the credit bureau not following the law regarding deleting this timely! Equifax is illegally reporting on this debt & stating the debt has been validated when it has not been. I have spoken with numerous supervisors & they all have told me that they have not verified this debt. I am going to sue equifax, file complaints with the FCC, FTC, XXXX & The Attorney General if they do not stop illegally reporting this to my credit report! Please help me with this. I am attaching the collection agencys response on 3 different occasions over the last 1+ year! Please note : Equifax is the only bureau reporting this debt because XXXX XXXX XXXX removed it in XX/XX/2021 when they sent the deletion request!
Product: Credit card

Hello. 

I have a Wells Fargo credit card and my friend, XXXX XXXX, walked into a Wells Fargo on XXXX XXXX, 2015, to pay {$5800.00} towards my credit card so that I would owe him and not Wells Fargo since my a.p.r will soon shoot up to 29 %. Whence XXXX XXXX went into the bank, he could have paid this amount a number of ways but the woman behind the counter recommended he write a check, which he did from his account with XXXX XXXX XXXX XXXX XXXX he also has an account with Wells Fargo, which will become relevant later ). 

This past weekend, on XXXX XXXX, 2015, I attempted to use the credit card only to have it decline ; I planned to use the card for late in XXXX to XXXX because I am a teacher and do not receive a paycheck -- anyhow, here we go : I call Wells Fargo on XXXX XXXX, 2015 only to hear XXXX people in, finally speaking to a supervisor who said that the funds were not applied to my account and would not be until the bank " felt comfortable '' doing so (?! ). I called back later and spoke to another XXXX people until I reached a supervisor. The second supervisor I spoke with said that the bank had a " right until they felt comfortable -- '' it became laughable ; what policy, ever, has sounded like this? I then said that I would contact the Attorney General 's office, that I needed the funds to apply to payments, such as my car that is in the shop. She then told me XXXX XXXX could fax proof of his check clearing from his account, which happened on XXXX XXXX, 2015. He faxed both his bank statement and copies of his cleared check the next day. I was told that if this did not happen, I would have to wait until XXXX XXXX if he did not fax this information (?! ). 

I was ready to pick up my car today and called Wells Fargo. XXXX XXXX and I are still on the phone, as we have been for hours today. They keep saying that they need authorization from his bank and from all parties involved before they post his money to the account. The woman we are now speaking to is saying that we need something on letterhead from his bank that states his name on his account and his balance before and after he applied his funds to my Wells Fargo credit card ; he will need to go to his bank, they say, to do all of this ; apparently, his generous help must be followed by a generous portion of his time to say that he is him ... self ... They need this because he is not " authorized '' to pay for my account. Wells Fargo has his money which has cleared from his account but are not applying said funds to my account and are now telling me that this will not happen for ten more days. Somewhere, in between all of this, we spoke with XXXX ( with an " A '' ) said that there were insufficient funds, which has been refuted by the woman we speaking with now. 

Today I received a letter in the mail in which Wells Fargo informs me that funds will not be applied to my account until XXXX XXXX, 2015. It also said that a check showing clearance from my friend would clear up the matter, which, as mentioned, he already faxed a week ago. 

This is unscrupulous and absurd. 

I hope to hear from you soon about to resolve this. 

XXXX XXXX
Product: Debt collection

A fraudulent charge was made on my XXXX XXXX XXXX debit card on XX/XX/17 from XXXX in the amount of {$420.00}. The claim was resolved and closed from XXXX XXXX XXXX in my favor on XX/XX/17. 
Claim # XXXX amount XXXX money was refunded. 
Over 3 years later I get a bill from a collection agency Transworld systems inc saying I owe XXXX XXXX for a charge made on XX/XX/17. I mailed in the claim number from XXXX XXXX XXXX. But Transworld wants a claim from XXXX, I have tried to contact XXXX but they have not contacted me back other than giving me a case # and we will research this in order of inquiries. Transworld should be fine with the letter from XXXX XXXX XXXX showing it was closed and resolved. Which I mailed to them a copy of and showing the charge on my statement from XXXX and showing it was refunded. I have also asked Transworld to mail me an original bill from XXXX and they have not provided me with it. 
XXXX invoice # XXXX Transworld regitration code XXXX I do have a case number from XXXX XXXX  XXXX Reference ID : ref : XXXX : ref
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion today, XX/XX/XXXX and was lied to by their representatives in XXXX stating they emailed me their investigation results on XX/XX/XXXX from the dispute I submitted on XX/XX/XXXX. How can this be possible if I never received the email and TransUnion still agrees I had a personal account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX.? Please review the collection note detail and look at my credit report. 

TransUnion received my request on XX/XX/XXXX. The file number is XXXX. The item in dispute : XXXX XXXX XXXX. As of XX/XX/XXXX I have not received correspondence from TransUnion. 

TransUnion is not complying with the time periods established by the Fair Credit Reporting Act ( FCRA ). As of XX/XX/XXXX they are in violation. I am filing a complaint with the CFPB to help me hold TransUnion accountable to the FCRA. The FCRA says that disputes must be answered in XXXX days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in XXXX  days, and if they fail in that, the disputed item is required to be removed. 

I have filed multiple disputes, and even XXXX  to bring lawsuits, to get inaccurate information corrected in my credit reports
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute a late payment reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Under 15 U.S.C.1666 B, creditors are prohibited from treating a payment on a credit card account as late for any purpose under an open-end consumer credit plan if specific conditions are not met. The reported late payment violates this provision In accordance with the fair credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Mortgage

I'm written this letter to complaints long silent zombie 2nd mortgage or debt collectors filed a notice of default and start the foreclosure process on my house after silent for 15 years, ( XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX I borrow {$89000.00} home equity loan ( HELOC ) from a company known as XXXX XXXX XXXX. security for this loan, in the form as mortgage, the HELOC was transferred to XXXX XXXX XXXX and then some other companies that current beneficiary is XXXX XXXX XXXX XXXX XXXX 
In XXXX I filed bankruptcy and discharged I thought my HELOC 2nd mortgage had satisfied, the last payment I made to HELOC was in XXXX, XXXX. 

In XXXX, XXXX my primary mortgage was modified under a governmental program known as the making home affordable program ( XXXX ) the program required that any secondary mortgage had to be satisfied, base upon this requirement that the HELOC was satisfied by the U.S. Treasury Department and can not enforce foreclosure now, The statute of limitation expired long ago, I have not made a single HELOC payment since XXXX, XXXX. 

In XXXX, XXXX, CFPB issued guidance to debt collector 's to protect homeowner from zombie mortgage foreclosure, that who brings or threatens to foreclosure action to collect a time-barred mortgage debt may violate the Fair Debt Collection Practices Act and it's implementing regulation, that's may be unenforceable in court.

However they still filed a notice of default to XXXX  county on my house. 
Thanks