23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, IL, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Re : Dispute of Debt 15 U.S.C. 1692g Account Number : [ ] Dear [ LJ ROSS ASSOC ], I am writing to formally dispute the validity of the debt you have claimed I owe, as stated in your [ letter/notice ] dated [ Date of Notice ]. I am requesting verification of the debt pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide me with the following information : The amount of the alleged debt. 
The name of the creditor to whom the debt is owed. 
Detailed verification of the debt, including a copy of any agreement or contract that I allegedly signed, which acknowledges this debt. 
Documentation showing that you have the legal right to collect this debt, including proof of any assignment or transfer of the debt to your agency. 
U

nder 15 U.S.C. 1692g, you are required to cease all collection activities until the debt is properly verified. I request that you send me all relevant documentation in writing. Please note that I am requesting the verification in good faith, as I believe this debt may not be valid or may have been reported in error. If you fail to provide the requested verification within 30 days, I request that you cease all collection activities regarding this matter, as outlined in the FDCPA. Thank you for your attention to this matter. I look forward to receiving your verification of the debt as soon as possible. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XXXXXXXX XXXX offers a reserve cash reserve .... Payments for ambiguous at best I made my first payment XXXX day late because it was confusion but it was automatically taken from my account the second payment was XXXX times with the first payment was and still have not making sense and they close that account and garnished my XXXX for {$600.00} for the remaining balance which is not I've not been in the rears for 35 days or not made my payments and they said there's no way around it and even the advisor or the manager said there's something wrong and put it to a higher person I need my money for XXXX this is ridiculous
Product: Checking or savings account

I had opened a 360 consumer and business spark account with capital one. I was involved in a robbery which made it difficult to speak to anyone but logged into the account to try and lock banks and did as much as I could while recovering from the incident I made a claim for over XXXX plus not including the XXXX in the business spark which both accounts where for XXXX XXXX XXXX I also had problems with my information changing and not being able to utilize my debit cards or access my online accounts because information was changed without my permission or knowledge. The banker told me they would place the funds back into my account in a few weeks then another banker said that the claim was denied and I was not getting any of the business funds back after I said I made a police reported she said its nothing I kind do and hung the phone up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. DEPTEDXXXX XXXX {$4000.00} DEPTEDXXXX  XXXX {$2000.00}
Product: Prepaid card

Hey, so in XXXX I got a vanilla prepaid gift card. When I went to use it my card got declined. When I checked the recent transaction the card was charged {$500.00} at XXXX in XXXX XXXX and at the time I was in New Jersey. I contacted vanilla about a dispute, because obviously the card was compromised before I got it. I filed a dispute and a claim and they said it could take up to 90 days. They never sent me an email to track the claim either. Its been over 90 days and when I called them they said theres nothing they can do. The card was compromised before I even got it, so I dont think its fair they are saying there is nothing then can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit card accounts have an incorrect balance. All the accounts have a XXXX balance. 

1. XXXX XXXXXXXX XXXX XXXX XX/XX/2018 97 % Balance : {$290.00} / {$300.00} 2.  XXXX XXXX Reported XX/XX/2018 47 % Balance : {$93.00} / {$200.00} 3.XXXX  XXXX XXXX XX/XX/2018 47 % Balance : {$470.00} / {$1000.00} 4. XXXX XXXX Last reported : XX/XX/2018 {$990.00} Good 5. XXXX Last reported : XX/XX/2018 {$600.00} Good These account below have a incorrect balance. 

AUTO LOANS 1. XXXX Last reported : XX/XX/2018 {$44000.00} Good 2.  XXXX XXXX XXXX Last reported : XX/XX/2018 {$9200.00} Good 3. XXXX Last reported : XX/XX/2018 {$9200.00} Good The account below is not a charge off, account is being paid on. 

AUTO LOANS 1. XXXX XXXXXXXX XXXX Closed : XX/XX/2018 {$28000.00} Closed
Product: Credit reporting or other personal consumer reports

There has been an identity theft going on with my Transunion as someone tried to apply for a credit card with a bank named XXXX XXXX  on XX/XX/year> using my SSN and other details without my consent or knowledge. i request this unauthorized hard inquiry to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to DELETE some of the information in my credit file ; however, there are still other accounts that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$3300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX : {$3900.00} XXXX XXXXBalance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX The above company is reporting a collection on my credit in error I do not owe this amount. My insurance company paid this.
Product: Credit reporting or other personal consumer reports

I HAVE FILED A DISPUIT TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVENT RECIEVED ANY INVESTIGATION REPORTS. 15 u.s. code 1681b- permissible purposes of consumer reports. This is a violation of 15 U.S code 1681i ( 5 ( removal of inaccurate/invalidated credit information. please remove immediately. XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number:XXXX XXXX Account NumberXXXX XXXX XXXX  Account Number:XXXX  XXXX XXXX  Account NumberXXXX XXXX Account number:XXXX XXXX XXXX Account numberXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # 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
Product: Debt collection

Received emails and letters from Debt collector from XX/XX/XXXX until the present. I have requested validation via email and certified letters for validation of the debt. 
Dates request validation : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX the debt collector states they have received a dispute and will stop collection under debt is validated, I have not received anything showing validation. They keep emailing and calling me ; also they have placed the debts on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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

This account was paid in full, after speaking with a representative and she told me that this account would reflect as positive and my goodwell letter was granted, I have still yet to receive my email and the reflection of my goodwill removal, ive also called about a credit that they are holding for {$110.00} and the rep keeps telling me that my refund will be mail, i need this to go to higher authority these people are lying and keeps saying anything to get me off of the phone.
Product: Checking or savings account

I am a long time JPMorgan chase N.A bank client and was maintaining my checking account. I used online banking from checking account for paying my bills.I have an account for XXXX XXXX Credit card company and their address : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX But by mistake I set up a different account for XXXX XXXX with does not exit & that was : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX - XXXX With a account # XXXX ( That number doesn't exit ) I paid {$1000.00} to that account. When I notice the problem tried to contact with chase bank and ask them for help - that was a wrong payment.

My first concern with chase is : When we do the Online banking for bills either they issue a electronic check to the company or if they have their particulars to their system that match - they release the electronic payment. In both way they have the clients particulars - where they release the money or sent check and its clearly a wrong business transaction, why they are not able to contact with that company about the dispute - since both of them are their client.They way JPMorgan Chase, N.A is dealing is totally unprofessional and they refused to investigate the case & don't want to solve the problem. I want help that commercial bank should have responsibility about their clients accounts, transaction, wrong payment, unwanted seals, disputed bills.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 2023
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : 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/year> TransunionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ), The Fair Debt Collection Practices Act ( FDCPA ) and The Unfair or Deceptive Acts or Practices and Unfair, Deceptive, or Abusive Acts or Practices ( UDAP ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1.Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 Delete this account immediately, unless you want to be held {$1000.00} per violation Thank you for your purchase of {$420.00} which you paid pennies on the dollar, can I see the Purchase Agreement and the Original Creditors terms and agreement/condition. I refuse to pay this debt, my dads ice cream truck caught fire on the highway due to these unforeseen circumstances all funds are tied up.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I sent {$660.00} to the wrong person on CashApp that was intended to be sent to my XXXX XXXX XXXX XXXX. I immediately requested a refund and contacted support to notify them of the issue. CashApp support team told me it was nothing they could do.
Product: Debt collection

I am a victim of Id Theft, I am a XXXX XXXX and these types of things could affect my employment because they do credit checks on us. I started receiving calls from Comenity Bank Victoria Secret about a debit that did not belong to me. I tried to dispute it and had no success. The account number ending in XXXX in the amount of XXXX which is now sent over to XXXX XXXX. They are harassing me about this and this does not belong to me. I have a Identity theft program with my job that is working with me to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my name legally changed on XX/XX/XXXX, and updated with the Social Security Administration XX/XX/XXXX, and officially with XXXX XXXX ( my student loan agency ) on XX/XX/XXXX. They have submitted my updated name on the reports every end of month since the update- as I have been told on XX/XX/XXXX, around XXXX XXXX  EDT. My ID was changed as of XX/XX/XXXX. I had previously, on multiple occasions, contacted the company to try to get it processed, yet nothing has come of it. I also had opened a complaint using CFPB, which was marked as resolved, with a note that the name was already changed, and that my old name was not attached to my new name. This information I was provided was false. I got a report after I had recieved the email that it was closed and resolved, which does not state my updated name, and has two instances of my previous name, which I will attach the front page of. I have attempted to file a dispute.
Product: Debt collection

I paid my cable bill with XXXX and they still reported ad 3 months late on my credit report and sent my bill to collections because they said I owed them equipment which I already gave back to them and paid my bill on time however I do not have the bill that XXXX paid but I know I gave them the equipment back and paid my bill. They put on my credit a collection and kept harassing me even though paid my bill.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681 is the Fair Credit Reporting Act ( FCRA ), which regulates access to consumer credit reports. The FCRA aims to ensure the accuracy, fairness, and privacy of consumer information.

The closure of my student loan accounts and reopening caused decrease in my credit score everytime the forgiveness plan was implemented and overturned. I also suffered issues regarding the time of credit that was altered due to the closing of the original account. That also had a negative effect on my credit worthiness. I did not apply for forgiveness and it was automatic and it affected my credit score negatively. Currently I have over 10 student loan accounts listed as clo
sed on my credit report and they are causing a negative affect on my credit worthiness. Because credit scoring models tend to favor active accounts, once a student loan account is paid and closed, you may see a drop in your credit score, due to the resulting decrease in average age of your active credit accounts. However, this drop is typically temporary is what the dept of education said and it has not returned those accounts active.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent XXXX, Experian, XXXX a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Product: Credit reporting

My husband died 2 yrs. ago after an XXXX. He had medical bills still owing when he died. After the XXXX XXXX XXXX XXXX XXXX reviewed his personal estate, it was found deficient in funds to pay his medical bills. A collection agency, XXXX XXXX, XXXX began contacting me about several bills, of which the bill for {$280.00} was just XXXX of several bills that they attempted to collect. I had hired an attorney, XXXX XXXX ( now XXXX XXXX ), to contact XXXX about several larger bills. Apparently the bill for {$280.00} was not itemized when she had contacted them. I both called and wrote to XXXX XXXX, XXXX stating that this was not my bill and could not be collected from me. XXXX stopped sending statements to me but instead contacted Equifax and XXXX and had this collection placed in my credit report. I notified both Equifax and XXXX that this was not my bill. I sent documentation including my husband 's death certificate and the finding of deficiency in the estate, as well as correspondence to XXXX. XXXX found this does not belong to me and removed the collection notice from my credit report. Equifax is still maintaining that this does belong to me and the collection notice remains on my credit report. I have asked Equifax to review this but they still maintain that I own this bill at this time ( as far as I know. )
Product: Debt collection

Midland XXXX is reporting is reporting a debt that is Ive rXXXX years old. I have tried to dispute it several times but the credit bureau keeps telling me that the account is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunioin and XXXX about a account showing on my credit report which do n't belong to me called XXXX XXXX. I asked them both to provide documents proving the account belongs to me on several occasions and they did not.
Product: Debt collection

I had seen a collection on my account from XXXX XXXX XXXX, called XXXX XXXX XXXX and my accounts were still open and never missed a payment. I had filed a dispute with XXXX and they found nothing wrong, I then called the debt collector and found the name on the account was wrong and the address was wrong, I had told them that and also told then I do not want it updated because that is not my debt. I filed a new dispute with experian with the updated information and nothing had happened and it is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have paid this charged off credit card with XXXX in full with verbal agreement from a rep that it will be removed from my report. It still has not been removed from my report even after paying it in full, which is a breach of contract. A police report was also filed.
Product: Debt collection

COLUMBIA DEBT RECOVERY LLC DBA GENESIS is attempting to collect a debt of XXXX to replace carpeting in XXXX XXXX unit XXXX. I responded on XX/XX/22 with the following : " I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. '' On XXXX they responded with a copy of the lease and a picture of subsurface stains in a small section of the carpet. I responded with the following on the same day : " I do not have any responsibility for the debt youre trying to collect for carpet replacement. Unit XXXX was professionally cleaned on the move-out day and contained no noticeable surface damage. Under-surface stains are likely from previous tenants. The lease agreement contains no liability for carpet replacement. If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. '' With no further response of proof, they submitted a collections event on my credit report.
Product: Student loan

I have contacted Great Lakes twice to request a refund per the COVID refund guidelines for my Graduate Plus loans and was denied both times. The Student Aid website specifies the loan should be eligible for refund : " Refund requests can only be made by you and refunded to you, even if someone else made a payment on your loan. XXXX XXXX XXXX XXXX