23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Illinois, XXXX Dear XXXX XXXX, This letter is being sent to you in response to a recent charge of {$650.00} that was made on my credit report that I do not recognize. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

The bank is terrible. When I got my car, I told them that the car dealership lied to me and the co-signer about the loan we were signing and to take his name off because they told us once I update my license they can remove him. But now the bank and the dealership are saying they cant. This man just signed as a co-signer because he liked me and thought he could win me over if he did it. I was XXXX ; I didnt know any better. The guy is XXXX or XXXX XXXX XXXX and was just trying to get me. I didnt know none of this. I told him just because you co-sign doesnt mean I want to be with you. He started threatening me and texting all kind of evil and crazy things. I had to rent out my apartment and move because Im scared of this man. The dealership and the bank said they cant do anything, but I know they can and that my life is at danger. And I didnt know all this was going to happen like this. This is my first car, and I felt victim to a man who gave me a ride to the dealership and the bank with this issue and interest rate. Please help me!
Product: Payday loan

You took out the loan with Western Sky Financial XXXX XXXX XXXX. The original loan amount was {$2600.00} on XXXX XXXX, 2012. I was charged an APR of 139.12 % daily. I have already paid {$6100.00}. XXXX back on this loan. I live in Pennsylvanian and payday loans are illegal. I did not know this at the time that is was not legal for them to charge me this excessive amount of interest. I have paid {$3500.00} over what was originally borrowed but I still receive calls from them daily requesting payment of a balance of {$2000.00}. This new balance is only because they have reduced the illegal interest to 6 % daily. I do not believe I owe this additional amount because I have already repaid my loan and a fair amount of interest on that loan. When I took out the loan they misrepresented the terms and conditions on the loan. According to those terms I would have had to pay back {$14000.00} for a {$2600.00} loan! I would have never agreed to this if the terms were clearly explained.
Product: Debt collection

Daily I receive emails, phone calls, including at work, and text messages claiming attempts to reach me have failed and threatening to take next steps. I have documented proof that I have emailed and written to them on numerous occasions indicating that I want to resolve the debt but need payment plan options and to contact me by email. The only response I get is a continuation of emails and phone calls and texts indicating their numerous attempts to contact me have failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Equifax and XXXX Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX  XXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, KS XXXX ; XXXX XX/XX/2021 ; XXXXXX/XX/2021.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I signed a contract for Solar Panels on my XXXX XXXX  home through XXXX  XXXX. Part of the contract was a performance guarantee, which stated that the solar panels were guaranteed to produce a specific amount of energy, which could be monitored via a mobile application. 

Within days after the install, I noticed that the solar panels did not produce nearly the amount promised by the company. I contacted the company, who sent a technician out to check the panels. 

I have hundreds of emails saved documenting all of the hours I invested attempting to get this issue resolved. 

I have the original signed contract, which states " If, for any continuous twenty-four ( XXXX ) month period during the Guaranty Period, the Actual System Output is more than XXXX percent ( 15 % ) below the projected total in kWh of the Estimated System Output for the same twenty-four ( XXXX ) month period, as set forth in the Work Order related to the PV System, XXXX shall be obligated to cure any shortfall such that Actual System Output is within XXXX percent ( 10 % ) of Estimated System Output going forward. '' In XX/XX/XXXX, XXXX  finally sent out XXXX XXXX, an independent third party to assess the situation. The findings of the third party were that the solar system that was installed was inadequate, and would never produce the amount of electricity guarantied in the contract. 

I discussed the findings with XXXX, and they indicated that they had no intention of replacing the solar panels with the correct ones. At this point XXXX  charged off my loan and it destroyed my credit. 

I have contacted TransUnion, and filed a dispute, since this was clearly a breach of contract case. TransUnion closed the dispute, and the negative entry still remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing One Main Financial XXXX XXXX  written off. This balance written off is incorrect as a settlement was reached and I paid {$4000.00} as agreed. Therefore, the amount written off should be XXXX XXXX
Product: Money transfer, virtual currency, or money service

I responded to an employment ad on the internet which took me a web site, XXXX, and applied for the XXXX XXXX position. I was interviewed twice and then I was sent ( 4 ) documents in succession to read and then pass written test. Upon successfully passing the test I was hiring the start XXXX XXXX for the company and XXXX XXXX XXXX XXXX XXXX XXXX. I was told once I successfully completed the first two assignments, I would receive a corporate credit card as well as a cell phone and lap top. Until my card was issued, I received an account number and a routing number that I would use to pay down my personal credit cards so I would have their money to make the required purchases. The account was with XXXX XXXX and upon calling them to use these funds to pay down my credit cards I was asked my name and if I was authorized. I told them that this was a corporate account put in my name to use to pay down my cards. At this point they made these payments toward my cards whenever I requested. After withdrawing over {$20000.00} the payments started to be reversed. I called XXXX to ask them what happened and they told me that this was not my account and that I was not authorized. Chase Bank credited my account with the fraudulent transaction. I called Chase and they simply refuse to cooperate. I asked them several times during the phone conversation that why don't banks feel they have a responsibility to verify authorizations prior to moving monies? Every time I brought this question up the conversation would take a hard left. This now leaves me deeply in debt with the banks that have issued the credit cards to me. My concern and question is don't the banks have a responsibility to the consumers to verify the account information and its authorized users? In todays world with identity theft being a major concern and problem I feel that the banks are being negligent and should be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX Balance Owed : {$1300.00}
Product: Checking or savings account

I am writing to file a complaint formally regarding an issue with my Citibank account. On XXXX XXXX XXXX I deposited a total of {$5000.00} in money orders into my checking account. Shortly after that, my account was placed on hold, and I was informed that I would need to wait 1-2 business days for the hold to be lifted. 



After waiting the required period, I contacted customer service, only to be told that the hold would not be lifted unless the issuer of the money orders contacted Citibank to verify the deposits. I complied with this request, and the issuer contacted Citibank to verify the money orders. Despite this, I was subsequently informed that I must now visit a branch and provide receipts for the money orders to have the hold lifted. 



I find this series of events highly inconvenient and frustrating. I have complied with all your requirements, yet the hold on my account remains unresolved. This has caused significant disruption to my financial activities and is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recent reports furnished on my credit report by XXXX XXXX. I have sent letters of notice to the company to stop communication with me and they still have not follow federal regulations nor my rights I invoked to op out of their system of sales, recipes for sales, information trading and such. It is stated by law that any inaccurate information on my account is required to be investigated. I have sent multiple complaints about this company XXXX and deceptive tactics and now Im putting you all on notice at the same time. Here proof of my claim. Im not sure if these companies are properly investigating these reports or not. But the CFPB recently released a article proving that these companies has not handled consumer disputes because proper investigation was not conducted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax have put an unauthorized Fraud Alert on my credit report. I called XXXX  and the over seas rep as VERY RUDE and should be fired. 

I am demanding that all credit bureaus remove this alert and stop putting unauthorized statements or alerts on my credit report to simply try go hurt me. This is getting old and if the alerts are not removed I will be suing them in a court of law. I will not send in proof of address or ID when I have already verified this with the bureaus via phone and security questions. They are playing games. This is what I got via email on saturday. 

ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XX/XX/XXXX19. 
To change or remove this statement requires special assistance and can not be processed online. Please contact us at XXXX so we may better assist you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SPOKEN WITH SERVERAL REPS FROM EARLY WARNING SERVICES ABOUT SENDING UPDATED INFORMATION TO COMPANIES THAT DENIED ME SERVICE BECAUSE OF THERE REPORT ... XXXX XXXX XXXX HAVE AGREED AND VERIFIED THAT MY ACCOUNT WAS N'T FRAUD AND I WOULD LIKE EARLY WARNING TO NOTIFY XXXX XXXX WITH A REMOVAL RECEIPT LETTER ... XXXX XXXX SAID EARLY WARNING NEEDS TO SEND THEM THE REMOVAL INFORMATION ... EWS IS SAYING I NEED TO MAIL THEM THE UPDATED INFORMATION THEY SENT ME AND XXXX XXXX IS GIVING OUT THE WRONG INFORMATION ... IM GETTING THE RUN AROUND FROM EWS I HAVE SPOKEN WITH THREE REPS THAT GAVE ME DIFFRENT INFORMATION. THEY SAID SINCE XXXX XXXX XXXX REMOVED IT THEY CA N'T SEND ANYTHING TO EWS.SO THIS IS MY DISPUTE WITH THEM NOW TO NOTIFY XXXX XXXX XXXX XXXX ON FRAUD
Product: Credit reporting or other personal consumer reports

I am unaware of this account by the name MBA Law Law offices of MBA. Please validate this information with the creditors and provide me with any documentation associated with these accounts. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful records of your actions.
Product: Checking or savings account

This company claiming to be a helper of people being hacked on XXXX had me dowoad an app and plug in called XXXX and said that hackers from Hawaii, XXXX, XXXX were all in my phone as this company proceed to look through all the apps in my phone Including my bank account and proceed to take {$490.00} through electronic funding to a XXXX email account on XX/XX/2023. Then the company called me on a XXXX area code number saying i can call them through herr but hung up on me after 6 minutes or so. I then noticed on XX/XX/2023 that all my money was gone excepr for XXXX cents and contacted Chime my bank to file a dispute. They said it will 10 to 45 days for a resolution by it should be finished by XX/XX/2023. So I called Chime on XX/XX/2023 and they said once again I will be credited on XX/XX/2023. So I waited til that next morning expecting my money back bit my claim was denied. Chime said I did not give enough info to be credited when I told them I don't have much proof other then my word. But they said get some proof and we will file a rebuttal for you. So I found this hacking company 's number which is ( XXXX ) XXXX trying to get my money back. I called like this number like 15 times and every single time with like 4 people answering me hung up on me. Then I filed like 7 rebuttals with Chime and each being denied after I gave them XX/XX/2023 phone records, the phone number, and asked them to call ( XXXX ) XXXX and to act XXXX they been hacked to see if I was telling the truth cause there is no paper trail and all I have is my word. I am a XXXX man on XXXX and can't afford to just lose {$490.00} to fraud as my bills are now falling behind because of this issue. I need help getting my money back. Please help me. 

XXXX XXXX XXXX ( XXXX ) XXXX
Product: Mortgage

Can not verify payment was received & applied. 

Caliber Home Loans closed access to their payment portal from XX/XX/XXXX to XX/XX/XXXX for maintenance. As my payment was due XXXX, I set up an ACH transfer early ; i.e. for XX/XX/XXXX. It is now XXXX & it site is still not working & I have not received any confirmation of payment. I can log into the site, but it requires me to " Link my loan ''. When I enter the required information it just keeps prompting for the info I just entered.

Calling Customer Support involves a labyrinth of automated menus before finally being told to wait for the next representative. After 20 minutes of listing to " Your call is important to us, please stay on the line '' every 15 seconds .... a form of torture, designed to make people hang up, I did.

Caliber is totally neglecting it Consumer Report responsibilities. 

Thank you
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have been disputing also with JPM Chase via the 3 major credit bureaus for the past few months and they have refused to provide what has been requested during this process : an original instrument of indebtedness -- bearing my actual signature -- verifying the validity of the account. They have refused to provide this original consumer contract for MONTHS and the bureaus have been complicit. ( I submitted a complaint on all three of them as well. ) Under the FCRA, a company MUST provide to the consumer what has been requested. Further, never is a company to just STATE that an account is " verified '', " accurate '', and " valid '' without actually proving these to be so. I am outraged that in 7 months, I have not received what I requested. It is extremely important to my person and identity as a consumer to make sure that what is reporting in my credit files has been TRULY, PROPERLY verified & validated. I DEMAND that JPM Chase provide an original consumer contract / original instrument of indebtedness in its original form ; if they do not, then I demand that this account be IMMEDIATELY DELETED from my credit reports. The law states under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) that original consumer documentation is required to consumers, particularly upon their request. Furthermore, you have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. It is a crying shame that it takes upwards of 7 months of pleading to get what you're owed as a consumer. Companies like this hide behind the bureaus and assume that most of us will just give up on trying any further to dispute and request required info.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
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 I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Student loan

In XXXX, I switched my auto payment to a new bank account. Then aidvantage began sending me delinquency notices, telling me the debit couldnt go through due to insufficient funds. The dates they have claimed to have attempted these fund retrievals show my account in healthy standing with enough to cover the auto payment. Aidvantage says the bank is at fault. The bank says there are no records of any aidvantage withdrawals. Ive also attempted to pay with the pay now feature and I get the same insufficient fund message. Im several months delinquent and am worried Im jeopardizing my eligibility for loan forgiveness because aidvantage is making an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I filed XXXX  XXXX Bankruptcy XXXX XXXX is my only creditor that has not removed me from the debt, reporting inaccuracies stating Im over 90 days late a large balance etc- I have told them to fix this in XXXX its XXXX they are still reporting inaccuracies consistently- XXXX has dropped my score because of this and Experian has dropped my score this is the only card doing this
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has reappeared on my personal credit report and is reporting as late from XX/XX/XXXX to XX/XX/XXXX. This information is currently incorrect. This account for XXXX XXXX was part of a Bankruptcy in XXXX, in which the Bankruptcy terms were agreed. Also, the XXXX, XXXX XXXX took possession of the vehicle, before being included in the Bankruptcy and the vehicle was sold at auction resulting in full payment of the loan balance. 
I received a Deficiency Letter from XXXX XXXX in XXXX stating the sell of the vehicle. This was all added in the bankruptcy. According to the FDCPA, XXXX XXXX is in violation of the law, by reporting fraudulent and inaccurate information to the Bureaus. 
In XX/XX/XXXX, I contacted XXXX XXXX at XXXX and spoke with XXXX, who advised me there is nothing they could do and I would have to contact the Bureau reporting the information. I asked if he could mail me out a copy of the original loan and the bankruptcy notice and he stated he is not the one to do so. On XX/XX/XXXX, I contacted XXXX XXXX once again and asked how could we resolve this issue. I spoke with a XXXX or XXXX who would not give last name and he told me to fight with the Bureau. 
This account begins reporting as late in XX/XX/XXXX. I did not have possession of this vehicle or owed any amounts as of that day.