23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ENHANCED RECOVERY COMPANy XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2022 To : The Office of Registered Agent for ENHANCED RECOVERY COMPANY From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : XXXX ) An explanation of what this alleged account balance is for. 
XXXX ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
XXXX ) Documentation that shows I agreed to pay this debt with my signature. 
XXXX ) The Agreement that grants you authority to collect on this alleged debt. 
XXXX ) A copy of your state license, including license number that gives you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you XXXX and is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 

By : XXXX XXXX XXXX I, XXXX XXXX XXXX, is submitting this complaint without any assistance from a third party.
Product: Credit card or prepaid card

Wells Fargo called me on XX/XX/XXXX to ask if I had made a charge to a charity in amount of {$1000.00}. I said to there fraud department now didnt. They said they would mail me a new card that this one was compromised. Upon receiving the new card was no terms or conditions just to activate the card with new account number. So on XX/XX/XXXX I tried to apply for a loan to consolidate and I was turned down because of an erroneous charge being reported on my consumer report by XXXX but I have NEVER received my adverse action letter from the bank or the Credit Reporting Agency that the consumer report was obtained. I was looking for this on my online portal with Wells Fargo to see if it had been put there which was not. I started to notice that all of my statements from XX/XX/XXXX back towards the opening of the account where gone and missing from my online portal. I started looking closer at the new statements from that date forward till now and realized they changed my APR from an average of XXXX % APR. to now XXXX % APR. I did not have access or possession of the prior statements Wells Fargo did and upon requesting then I get them and they had changed all theAPR on those statements to match the new APR. to implied that I paid this all along when I know I did NOT. During the dispute process with Wells Fargo they continued to charge me the interest and demanded the payments. They have continued to send me irrelevant information and false and deceptive information, statements, documentation. Plus the day they did this they obtain my consumer reports on all three Credit reporting agencies. I have given then since XX/XX/XXXX to down investigation and they still say they need more time to right up to the statement date and give me fake erroneous information just to charge the higher interest and demand it paid. I know I would not agree to any interest rate of this extortion
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EQUIFAX regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX  Account Number : XXXX Disputed Information : BALANCE, DATE OF LAST ACTIVITY, DATE OPENED, CLOSED DATE and CREDIT LIMIT Account Name : XXXX XXXX  Account Number : XXXX Disputed Information : LAST VERIFIED, XXXX OF LAST ACTIVITY, DATE REPORTE, XXXX OPENED and LAST PAYMENT Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EQUIFAX has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : XXXX dispute letter, proof of address, driver ID, social security and images of each account and their inaccuracies
Product: Debt collection

I want my account wiped clean. I also want a credit of {$20000.00} for the time, harrasment and not being able to use the facilities for 2.5 years since the day we moved in.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

The XXXX  XXXX debt with original creditor XXXX XXXX  but issued through XXXX XXXX XXXX XXXX  ( really unsure of the original creditor ) was paid to XXXX XXXX XXXX XXXX, XXXX on XX/XX/2022. This account is still showing on my credit report as a credit account charge-off and creditor should have removed this account.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had errors for my name and address on my report. Please remove the erroneous information from my report they are hurting my ability to obtain credit. 

Addresses : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting inaccuracies on my credit report
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Over 8 hard inquiries and a charge account all added illegally.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for their failure to respond to a dispute letter I sent on XX/XX/year>. In my dispute, I addressed several items on my credit report, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and incorrect personal information. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to respond to consumer disputes within 30 days of receiving the dispute. Unfortunately, I have not received any response from Experian regarding my dispute, and this failure to communicate is a direct violation of the FCRA. 

Enclosed with this complaint is a copy of the dispute letter I sent to Experian, serving as evidence of my attempt to rectify inaccuracies in my credit report and Experian 's failure to adhere to their legal obligation to respond within the stipulated timeframe.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, and someone has used my information fraudulently and at this current moment, I do not have any information on who is using it. 
XXXX XXXX XXXX XXXX XXXX Balance {$880.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XX/XX/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 ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$880.00} 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: Credit reporting or other personal consumer reports

Unlawful hard inquiry made on my credit file without my knowledge or consent, questionable and incorrect and misdated documentation and remark Aka 5 day in advance hard inquiry.
Product: Debt collection

I am writing to report fraudulent accounts added to my credit report due to identity theft. I have attached my Identity Theft Report from the Federal Trade Commission ( FTC ) for your reference ( FTC Report Number : XXXX ). Despite my dispute with Experian, they failed to conduct a proper investigation, as required by the Fair Credit Reporting Act ( FCRA ). The fraudulent accounts and amounts are as follows : XXXX. XXXX XXXX XXXX Account ( Account Number : XXXX ) - {$5400.00} XXXX. XXXX XXXX XXXX XXXX Account- {$460.00} XXXX. XXXX XXXX XXXX XXXX Account- {$400.00} XXXX. XXXX XXXX XXXX ( Personal or Business Loan ) ( Account Number : XXXX ) - {$1000.00} These accounts were opened without my consent or acknowledgment. The fraud dates back to as early as XX/XX/XXXX, with the latest fraud discovered in XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/XXXX I received a notification that my Ally debit card was charged four separate times ; the first merchant XXXX  based in FL in the amount of {$190.00} was Debited, the 2nd a Mobile Wallet Update out of XXXX XXXX for {$0.00} which was Declined, a 3rd from XXXX  for {$110.00} also Declined, and a 4th transaction by XXXX XXXX XXXX for {$39.00} out of MD which was Debited. ( There was also a record of a purchase we did make for {$44.00} at XXXX in NY where we live and were at the time of these fraudulent debits ). I received this notification via email and text asking if I authorized the transactions above because Ally flagged them as suspicious. I immediately responded, flagging all the transactions including the two that were debited as fraud. My debit card was closed and the transactions were credited to my account by Ally. I called the company ( XXXX ) listed to see what the charges were for ( they had no website ), and the company had no record of any of my informationno account or orders under my Name, Phone Number, Address. The fraudulent company then asks me for my full debit/credit card number to do a more thorough search ( yeah, right ). 

THREE months later on XX/XX/XXXX, I receive a letter in the mail stating Ally conducted an investigation and their findings concluded the merchant provided sufficient documentation stating the transaction was authorized and Ally was re-posting the {$190.00} provisional credit and reversing their decision on XX/XX/XXXX ( that same day ). I had since pulled all money out of this account because Ally has yet to send me a new debit card after requesting a new one 3 times and for a whole month after this incident. No new card was ever sent to me ( this is an even longer story ). Because I had virtually no money in that account, my account was drawn into the negative because of this incorrect reversal. I immediately call Ally back to request a copy of the documentation they received and gathered to make this determination. The customer service reps says he isn't able to see " any documentation that shows how the transaction was authorized '' under my dispute number like the letter states. The customer service rep states he needs to escalate this up to his supervisor. I get placed on hold, I then ping pong from department to department, unable to get any further clarity on why the decision was reversed. I also call the fraudulent company again to ask what information they have of mine. They have none and no receipt or confirmation that I made a purchase ( they ask me for my full debit card again ).
Product: Money transfer, virtual currency, or money service

Paypal permanently limited my BUSINESS ACCOUNT. 
Here 's what happened : Paypal asked me if I owned a PAYPAL PERSONAL ACCOUNT beside my PAYPAL BUSINESS ACCOUNT. I replied " YES ''. 
Then asked me If I already solved the problem regarding my personal account. I choose " No, because the document I sent is still under review and I have to wait for 5 days. 
For this reason, Paypal limited my BUSINESS ACCOUNT without waiting for the result of my other account.

Paypal took 3 weeks to restore my PAYPAL PERSONAL ACCOUNT.

So I think that it was a mistake on Paypal 's part not to wait for the results of my other account before they limit my BUSINESS ACCOUNT. 
Hoping for that kind consideration to remove the permanently limit on my BUSINESS ACCOUNT because I use it always on my online transactions and this is where my boss sends the money from my weekly work. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Documents were sent to the credit reporting agency. Regarding accounts that were not mine.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1935 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PREFERRED COLL & MANAG XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PREFERRED COLL & MANAG XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1935 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability a multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences
Product: Credit card or prepaid card

Applied for Citi Costco credit card and was denied because of not matching information. When I called city they told me the phone number I listed is not matching with the one on XXXX. Kind of loose rule to st because of not matching phone numbers. My FICO score is XXXX otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, XXXX, have, too many incorrect information, included, in my credit, file, wrong, account, balances, unauthorized, hard inquiries, from unknown, sources, i made too many attempts, to, ask them to, investigate, correctly, and, fix, my credit file, but, they keep on ingnoring, my requests, and, continue, to, damage, my, credit, file, evry, account, needs to, be, investigated, to, fix, the correct, balances, and, every, unauthorized, hard, inquirie, needs, to, be, investigated, correctly, because, is, been, a, lot, of, fraudulent, activity, going, on, my, credit, file, lately, but, they, dont, seem, to, care, causing, damages, to, my, credit, constantly
Product: Credit card or prepaid card

I finally found out what Chase Bank had done to me. Cancelled my card with NO Notice. I had NO way to pay my bills, get food, get gas or anything else. I was stranded. When I told the branch that XXXX had charged my twice and I didn't not authorize it and didn't know what the charges were for. They told me to file the complaint on line so I WOULD NOT have a problem with my card. Incorrect information. They cancelled the card weeks later and waited until I found out to start the SNAIL MAIL process to replace the card. I called assorted departments of the bank and FIVE calls later I found out what happened. It is TOTALLY UNACCEPTABLE. I had to basically threaten the corporate office to get a new card overnighted to me. It DID NOT happen, that was on XX/XX/XXXX, it was not sent until XX/XX/XXXX, received it on XX/XX/XXXX at XXXX XXXX. 
The " behavior '' of Chase is a DISGRACE for the largest US bank. I assume they think they can get away with what ever they want to. There HAS to be more than a reprimand, especially with C19. To leave an XXXX year old woman basically helpless should be a crime!
Product: Mortgage

I have had my mortgage since 2009. I paid {$120000.00} for my home and after almost 15 years I still owe over {$100000.00}. I've contacted the Wells Fargo to try and get this matter resolved but they're saying that nothing is wrong with my loan but I feel like something is going on that I don't know about can you please help me. I need to know why my balance is not decreasing. Also I was denied alone modification because Wells Fargo stated that I did not make enough money. I was then granted one three years later by another agent that caught them in their lie.