23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Certified Letter of Intent to Dispute the Debt sent to Debt Collector on XX/XX/year> via certified mail # XXXX XXXX XXXX XXXX XXXX, Client # XXXX, Notice to all, I am that I am, the consumer in fact, natural person, living breathing woman, affiant, declare that I am of majority and competent to state the matters set forth herein with firsthand knowledge of the facts, I have been appointed and accept being the executor both public and private for all matters proceeding and I hereby claim that I will be d/b/a/ XXXX, consumer and autograph as the agent. attorney in fact, STATEMENT of FACTS The Fact that Affiant, is aware and has proof that National Credit Systems , Inc . In accordance with the Fair Reporting Act this creditor is in violation of 15 U. S. code 1692 C-Communications in connection with Debt Collections, Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt The Fact that Affiant, is aware and has proof that National Credit Systems , Inc In accordance with the Fair Reporting Act this creditor is in violation of 15 U. S. code 1692g-Validation of Debt- ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( b ) Disputed debts-If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

XXXX. I, XXXX the consumer is disputing this debt, National Credit Systems , Inc You should not REPORT THIS DEBT to the CREDIT REPORTING AGENCIES ( XXXX XXXX XXXX ). If you have already reported it, please contact the credit reporting agencies within 10 days of receipt of this notice, inform them that the debt is disputed, and ask them to DELETE the credit reporting. { please provide a written correspondent regarding VALIDATION of DELETION from credit reports. 

Thank you for your attention to this matter. 

XXXXConsumer
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX should not be 30 days or 60 days late.
Product: Debt collection

I have requested that XXXX XXXX  provide debt validation for the account with original debt from Florida XXXX XXXX for {$500.00} in my name. I informed XXXX XXXX that I never signed a HIPAA form to authorize XXXX XXXX to have access to the my private health information. I have not received the original contract showing my signature on any agreement pertaining to this account. I advised the company this is not my debt and that it should be immediately removed from my credit report. I have never received any documents that were requested from this company. It has been longer than 30 days with out response.
Product: Credit reporting or other personal consumer reports

I have sent certified letter to XXXX, Experian, and XXXX to have the following fraudulent accounts, resulting from identity theft, removed and blocked from my conumer credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have reached out to the creditors and they all advised me to contact the credit reporting agencies to go through the fraud procedures.
Product: Credit card

I paid XXXX credit card bill with my bank debit card. XXXX credit limit was not released as the credit card company said I did not use guaranteed funds. They then asked me to send proof that my bank paid the amount which I faxed to the company. I owed up with a call verify their received my documents and was told it would take XXXX days to process. I then called again and was told it was still being reviewed. I then asked to be connected to a supervisor. Once I was connected to a supervisor they said they would need to review the documents. I explained the time frame in which I had waited. I then asked to speak to a XXXX. I was told a XXXX would have to call me back.. I've waited more than 30 days and have only been in touch with a supervisor as the XXXX time I received a call back I missed the XXXX credit limit still has not been released and no documentation has been received stating why. According toy credit report my payment has been made. But the credit card company has no credit limit available as that does effect my credit utilization history.
Product: Student loan

Nelnet is the service provider for my XXXX XXXX Loan. The loan is under my father 's name XXXX XXXX. XX/XX/XXXX I was charged {$210.00} and XX/XX/XXXX I was charged an additional {$220.00}. While I have autopay set up, I never submitted two payments for the month of XXXX.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with LVNV FUNDING LLC, they did not provide me with the original contract as I requested. 

Aside from verification of the debt, I am asking that they do not contact me about this debt. The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated.
Product: Vehicle loan or lease

From the time of the 1st deferment of a payment, I was not informed on either occasion that it would lead to me and my wife ( who shouldn't be on the loan ) being behind a entire monthly payment for the ENTIRETY of the loan of we didn't pay double to catch up. Still until 2022 XX/XX/XXXX. We made a payment in full thinking we were all caught up and then a few days later Wells Fargo calls saying we're behind a payment which equates to an entire monthly payment. 


Misrepresenting fees consumers ( me & my wife ) owed in collection calls, monthly statements, pay-off notices. 

Making unsubstantiated claims about the amounts consumers ( me & my wife ) owed ; Improperly assessing and collecting fees or other amounts ; Unilaterally modifying contracts by, for example, increasing principal balances; Failing to disclose financial effects of loan extensions; Misrepresenting that Wells Fargo audits verified consumer ( myself & wife ) account balances.
Product: Debt collection

I applied for an apartment at XXXX but my application was denied for an apartment. I received a letter stating I was not approved. The apartment complex is saying I owe administrative cost because I was approved and did not move in. I have forwarded the debt collector my letter where I was denied and they continue to try to collect and the apartment complex wo n't remove the debt either.
Product: Credit reporting

I recently saw an article about how the CFPB fined the XXXX major Credit Bureaus. The article encouraged consumers file complaints if they have any. 
I am writing this letter to file a complaint against Experian regarding a request I made to investigate my consumer file. I believe that my Identity has been stolen because I am having a lot of issues retrieving any Credit information such has Credit Reports and Credit Score from all XXXX Credit Bureaus. 
When companies are processing my applications for a credit card or a loan they are informing me that no credit history exist for me or that I have delinquent accounts. When I log into XXXX XXXX a message appears that my credit information does not exist and that I have to mail or fax in copies of documents so that they can review it. I have submitted copies of the following documents ( Birth Certificate, Social Security Card, Birth Certificate, Florida Driver 's License, XXXX Statement ) to Experian and to XXXX numerous times for their review and to this day still no response. 
In XXXX 2015 I was approved for a Car Loan and purchased a car which I have been faithfully paying on time. I also was approved for a XXXX XXXX and been faithfully paying that account on time as well. By now having those XXXX accounts should have helped restore my credit history and generate a Credit or XXXX score for me.
Product: Credit card or prepaid card

I bought a {$100.00} Mastercard gift card at the XXXX XXXX  XXXX ( XXXX, WA ) on Saturday. XXXX XXXX, XXXX. When my son went to use it, he learned it was not activated at the store. I called the number on the back of the card and it said there is a " problem with the card ''. I went back to the store on XX/XX/XXXX and they told me they couldn't do anything to activate it or return it, and suggested I call XXXX XXXX, XXXX, XXXX at XXXX XXXX XXXX XXXX. I couldn't get a live person on the line when I called this number and instead it seemed to be an upsell ploy to get me to sign up for all sorts of random services ( insurance, health care, etc. ).
Product: Mortgage

Greentree calls up to XXXX times a day every month.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account Name : TXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Debt or credit management

Someone used my ID to apply for a loan from your company. I don't know how you approved it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the following items listed on my credit report : XXXX XXXX XXXX Charge Off Account XXXX XXXX BANK XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX Charge Off Account DEPT OF EDUCATION/XXXX XXXX Charge Off Account DEPT OF EDUCATION/XXXX XXXXXXXX Charge Off Account DEPT OF EDUCATIONXXXX XXXX Charge Off Account DEPT OF EDUCATION/XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX  Collection Account XXXX XXXXXXXX Collection Account I believe that these items are inaccurate and/or incomplete, and I request that they be removed from my credit report as soon as possible. 

I also want to bring to your attention that the inclusion of these items on my credit report is causing me significant emotional distress. The stress and anxiety caused by the negative impact on my credit score and the potential implications on my financial future have been overwhelming. 

As per the Fair Credit Reporting Act, I have the right to dispute any inaccurate information on my credit report. I request that you investigate the accuracy of the items listed above and provide me with a written response detailing the outcome of your investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I received my XX/XX/XXXX XXXX credit report. On the report it showed Jefferson Capital System, XXXX XXXX XXXX XXXX which was the originally the debt. It was in the amount of {$510.00}. I immediately called XXXX to report this information as Fraud. I was especially concerned because I had locked my credit report locked last year after becoming a victim of identity fraud then, approximately spring of XXXX. After speaking with the agent he said this debt became delinquent as of XX/XX/XXXX and was recently purchased by Jefferson Capital System which I believe is a collection agency. 

Jefferson Capital System ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX MN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report inaccurate, unvalidated information to my credit file. I have proof from the creditor that this information can not be validated. According to the FCRA, this item should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon : For more than 6 months I have been sending information to TRANSUNION to remove fraudulent information from my credit report. It is worth noting that they are, as of 47 inquiries and more than 5 collections. 
As of today XX/XX/21, I have sent seventeen ( 17 ) times the letters together with the police report for identity theft made before the XXXX XXXX  of XXXX, New York, in charge of Detective XXXX XXXX, and mysteriously they never arrive the XXXX, and when they arrive they say they are incomplete ( I must assume that according to transunion, the United States mail has opened my letters and takes information from them, which I doubt 100 % ) The worst thing is that every time I call transunion by phone, the operators ' response is the same : " your documents have not arrived, or the last document that arrived is unacceptable because it is incomplete. '' I think that this situation should be resolved and order TRANSUNION to remove from my credit report all fraudulent information that directly affects me as soon as possible, and in the event that it refuses to do so, condemn Transunion in any way for its incorrectness. proceed.
Product: Credit reporting or other personal consumer reports

I have information on my credit report, that is fraud i never had XXXX XXXX  attached an all them other things on my report im XXXX an never used credit before
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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 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 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, credit repair services, or other personal consumer reports

XXXX  has put a security freeze or ID theft alert on my credit report without my authorization. They did this because i caught them in a lie about information they are reporting. This alert is impacting me from getting credit and they know it and they are violation federal law.      XXXX  is the one who put the fraud alert on the report then they notified  XXXX  and Transunion to do the same.     I DID NOT AUTHORIZE ANY FRAUD ALERTS OR SECURITY FREEZES AND THEY ARE TO BE REMOVED IMMEDIATELY. THEY ARE SAYING THAT I HAVE TO SEND IN A WRITTEN REQUEST THIS IS INCORRECT, THEY DID A FULL ID VERIFICATION ON ME AND STILL REFUSE TO TAKE THE ALERTS OFF MY REPORTS.     THIS GOES FOR ALL  XXXX  BUREAUS.
Product: Credit reporting or other personal consumer reports

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedure in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original sign consumer contact, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

North Carolina XXXX XXXX XXXX XXXX is illegally reporting false information on my credit report. My bankruptcy XXXX this debt XX/XX/2019 case XXXX This is fraudulent and Im tired of being bullied by this bank. Every time I go to the bank, they remind me of my debt and tell me the bank took a lost because of me. I was discharged a credit card, car loan? And personal loan. All accounts are reporting late pays since XXXX. This bank is I intentionally abusing my credit. Recently, State Employees updated my credit report to delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I filed bankruptcy and had all accounts XXXX XXXX XXXX discharged. In XX/XX/XXXX I noticed that a former creditor Budget Control Services continues to post derogatory information regarding an account that was discharged in bankruptcy. I contacted all 3 credit reporting agencies and the XXXX XXXX XXXX. The creditor said they removed the information on XX/XX/XXXX. I verified my credit reports on XX/XX/XXXX and the information had been removed. I pulled a credit report on XX/XX/XXXX and saw that they proceeded to report the negative information immediately after agreeing not to on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The company hadn't sent a card, nor any type of communication stating that I had a due balance. There was no way for me to pay without knowing my account information ( card number ), nor was I given any notification until they'd already penalized me and reported it, which I didn't authorize. I immediately closed the account after this incident and synchrony denying their role, however, the account didn't reflect as closed until months later. They also put a new XXXX day late notice on my XXXX XXXX last month ( XX/XX/year> ).
Product: Checking or savings account

I am filing a complaint regarding Capital Ones failure to deposit my direct deposit from my employer. Capital One has cited technical issues which may violate the Electronic Funds Transfer Act as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are protected and upheld. Thank you.
Product: Credit reporting or other personal consumer reports

Equifax is reporting an account with the " LAST DAY ACTIVE '' as XX/XX/XXXX but XXXX is reporting it as XX/XX/XXXX so which one is it??? IF both companies are reporting accurately the how are the dates different? If the information comes from the same source how could they be reporting differently??
Product: Debt collection

On XX/XX/2021 my wife wrote and mailed a check for {$500.00} to Capital One credit card. I was the primary on the card. On our next bill it said we had not paid our bill and there was a late fee and interest charge. l called and told them we sent the check well ahead of the due date just like we always have for years. I was getting nowhere so I asked for the supervisor. She claimed they had not received the check. She advised me to put a stop on the check. It cost us {$30.00} to stop it. Two days later Capital One tried to cash the check that they claimed they had not received. I called and again I talked to a supervisor that got real mouthy with me and would not listen. I wrote a letter and their response was, " I am sorry for your inconvenience, there is nothing we can do for you ''. I wrote two more letters and told them I had cut up our cards and had called and cancelled the cards. We called the number that we were supposed to and the woman kept trying to get us to take a " better card ''. After saying several times we wanted to cancel the card I asked her if she did not understand the word cancel and she claimed she canceled it. We are still getting bills and they keep adding late fees and finance charges. I have told them repeatedly i am not going to pay charges that were their fault. Also, we had a automatic payment for our phones that we canceled and put on another card. Capital One still tried to get a payment from the phone company.
Product: Credit card or prepaid card

XXXX Ordered a product advertised on XXXX which took me to a merchant called XXXX ( XXXX  ). Product was an XXXX helmet that was mechanically operated with remote ( glowing eyes, actuated opening and closure of the front section of the mask ). I provided all the the website pictures and the description of the product back to Capital One showing what the product was advertised as. I received an email confirming my order. 
XXXX Received shipping details with parts in XXXX, indicating that the product was coming from XXXX XXXX I did not know this as nothing on the website indicated that the product was shipping from XXXX. Their check out process indicated that the product would arrive no later than 2 weeks upon receiving my order. 
XXXX Received the product in a box with no professional packaging, just a plastic bag covering the product. I provided pictures, dates of the product once I received it to Capital One. I sent an email to the merchant indicating that I wanted to return the product because it was nothing like what was advertised and asked for their return shipping address. 
XXXX Received a reply from Merchant that did not include the return shipping address and instead asked that I keep the product and receive a 20 % discount on other products offered on their site. I replied indicating that I wanted a refund and to please send me the return shipping address. This reply was met with an automated email stating that the company would be on some holiday festival for 5-7 days. I then called to file a dispute with Capital One. 
XXXX I provided all of the documentation to Capital One to continue the dispute process ( including the dates of the aforementioned as well as detailed pictures from the merchant 's website and also of what I received. 
XXXX Capital One requested additional documentation including the sales receipt and also a letter from an expert in the field for the product to verify the difference between what was advertised and what I actually received. I contacted Capital One to express dissatisfaction with the process and that it was going to be impossible to obtain this expert opinion letter on the product. They communicated that this was required to continue the dispute process and that I would most likely lose the dispute without this letter.