23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to 1006.34 Notice for validation of debt ( a ) Validation information require. 
( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required By 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication ; or .....

( 4 ) Validation notice means a written or electronic notice that provides the validation information required by paragraph ( c ) of this section.

( 5 ) Validation period means the period starting on the date that a debt collector provides the validation information required by paragraph ( c ) of this section and ending 30 days after the consumer receives or assumed to receive the validation information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Has 30 days to validate these debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two of the SAME accounts from XXXX XXXX bank in my credit report. Both accounts has different dates that they were open. I notify the ( source XXXX XXXX XXXX about my observation on XX/XX/2021. The company XXXX XXXX indicated this duplicate SAME account on my experience report was not there doing and should be disputed with the credit bureau. Therefore, I disputed the inaccurate same account to Experian same day. ON XX/XX/2021 I RECEIVED THE RESULT OF MY DISPUTE WAS COMPLETED. I LOOKED INTO MY experian ACCOUNT ; nothing has been resolved about the dispute. So, I concluded that the duplicate account from XXXX XXXX bank with inaccurate DATE & false information is a FRAUDULENT ACCOUNT! I called experian and let them know of my findings since my first dispute on this matter was completely & not resolved. As of right now this the status of the same dispute of the duplicate account from XXXX XXXX has been reinstated as a fraudulent account.
Product: Credit card or prepaid card

I received a letter from Chase Bank on XX/XX/XXXX, that state as follow : " After careful consideration, we decided to close your accounts because of your association with a Chase credit card, deposit or investment account that was previously closed. '' 1- I am a Chase customer since XXXX. I have one credit card since XXXX ( Freedom Unlimited credit card ) and other one that I is 7 months old ( Chase Sapphire Preferred ) Also, I have a personal checking account that I recently opened in XX/XX/XXXX. 
2- During the past 12 years as a Chase customer I have never been late in payments, always pay my credit cards on time and the full amount every month.

3- I have a clean credit score of 800+.

4- I have never closed any type of account ( credit, deposit or investment ) with Chase in the past.

5- I went to my nearest Chase branch twice to try to fix this issue and ask them to make a reconsideration looking again on my profile, also called the customer service phone once, with no positive outcome.

6- I ask them if they can explain why they are closing my accounts, but they only said, the decision is final, and Chase will not reconsider my case, and no explanation given because the decision is " confidential ''.

7- I ask to speak with a supervisor and they told me no one can help me with that, because is " confidential '' 8- This unfair decision from Chase will have a big impact on my credit score, because XXXX XXXX is one on my oldest credit account. Also, my revolving credit limit will be less than half of what I currently have.

8- They are going to close all my accounts effective XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that are completely inaccurate and misrepresent my actual payment history. These false records are unfairly lowering my credit score and harming my financial reputation. I will not allow these reporting errors to go unchallenged. 

The following items I am disputing are the following : XXXX XXXX - XXXX Despite my diligence in managing my financial obligations, these mistakes continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errors, as any further delay will only increase the damage already done. Failure to act swiftly will be seen as deliberate negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of the ( XXXX XX/XX/2023 ) for the second time XXXX, Experian, XXXX have poorly investigated my report. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Fair Collection & out, DEPT OF EDUCATIONXXXX These entities are using reporting false names and not my legal name. 
Present the signed contract agreement & court order.
Product: Debt collection

XXXX XXXX XXXX sent the wrong amount owed to a Debt collector and now the debt collector is harassing and threatening with emails to go to court on this matter. Due to the company being inactive, we consulted XXXX XXXX XXXX due to no assets within the company to sell. XXXX XXXX stated, my company owes him {$6000.00}, and then another email says {$4000.00}, none of which is accurate. XXXX XXXX threatened my company with sending me to a lawyer and send my company to court if the bill is not paid within 3 days. 

I requested paperwork for the actual amount that is owed. My company received documentation through email of the wrong amounts. I continue to request this be corrected and send the correct amount possibly owed on the bill. The documentation received from the XXXX XXXX XXXX website the amount was {$50.00} owed in place of {$6000.00}. 
XXXX and XXXX XXXX refuse to send proper paperwork but instead send false documentation over and over again. 

XXXX continues to harass my company with threatening emails and abuse of his power. I disputed this with the debt collector, and he continues to require the above amounts paid. I would like this debt collector to stop due to the correct amount owed was sent to XXXX XXXX XXXX. My company did not refuse to pay what is owed but the accurate amount is in dispute. XXXX will not provide me with the accurate paperwork either. The emails sent from his office say, I am confused about owing a debt and legal action will be taken.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 at XXXX i logged in to my cash app to tranfer the amount of {$48.00} to my card but it didn't go to my card it went to another bank account that i dont have called XXXX XXXX XXXX last number on card number ending in XXXX I dont have are even know What bank is this? I've already tried to get it fix with cash app but they are no help at all ive tried XXXX sherching but no luck plz i need help i want to get my money back plz
Product: Credit reporting

I have XXXX judgments on my credit report affecting my application process with future prospective landlords. The last name does not match mine or the addresses or date ranges and information that was provided by past landlords. XXXX landlord name I do not recognize but address matches to a location I lived XXXX years prior to judgement claim. Ultimately names and information do not match and also unknown.
Product: Credit reporting or other personal consumer reports

I need your help to address the incorrect account appearing on my credit report. This has been detrimental to my reputation, and I need this to be remove due to violation of my rights. The mishandling of my credit report has left me in a difficult situation, and your inaccurate reporting has caused significant harm. You must remove these errors so I can live a normal life with my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lci/XXXX is reporting 3 bankruptcies that have been verified by XXXXXXXX XXXX i do not have
Product: Money transfer, virtual currency, or money service

I presented a {$100.00} bill to change, the bank refused. They require the consumer to have an account. This happened on XX/XX/ at XXXX XXXX, Bank of America XXXX XXXX in XXXX, VA XXXX. 

Can a U.S. bank refuse to exchange legal currency?
Product: Mortgage

I checked my credit report and found that my mortgage company XXXX which is serviced by Nationstar is reporting my account as closed and doesn't list any of my payments. I contacted XXXX and was told that since I filed bankruptcy in 2016 that they could list my account like that. All of my payments have been made and on time. 
I was told that if I wanted it changed to get a lawyer. I tried disputing this through XXXX but XXXX refused to update the information.
Product: Consumer Loan

Yesterday, DriveTime called every 2 hours starting at XXXX I placed a complaint. Today they started a XXXX and then again XXXX. I am not even 24 hours late on my payment. This is excessive and annoying my goodness I 'm at work and I know why they are calling. When I get off work I will take care of it. They need to learn positive collection practices, ticking people off is one way they loose customers and have so many repo 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my Equifax Credit Report I noticed a hard inquiry for XXXX XXXX XXXX XXXX XXXX which I did not authorize or was aware of. 

Inquiry Date : XX/XX/2020 Company XXXX XXXX XXXX,
Product: Consumer Loan

Infiniti / Nissan finance offers a lease transfer. A fee of {$250.00} is paid to transfer the lease and ensure the credit worthiness of the new leasee. However, if the lease is transferred, Nissan / Infiniti will still report the outstanding lease amount to credit bureaus in the name of the original leasee. This does not appear to align with Regulation M and the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a response to XXXX. Transunion should remove XXXX XXXX XXXX XXXX from my credit report. 
According to the Fair credit reporting act, the investigation should take only 30 days or 45 days in some special cases. Transunion has been investigating this issue for over 120 days with no report. It is illegal for them to be requesting additional 60 days. I demand they provide documents for the investigation done for the past 120 days. 

They should not be able to continue to jeopardize my family 's live - and cause hardship by including this erroneous information in my report. 

I have requested that Transunion remove the XXXX XXXX XXXX XXXX that they have on my credit report since XX/XX/2022. Since then I have sent a dispute letter every month and received no response from them. 
Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate.

Transunion is violating my consumer right by not providing any documented evidence that they did the investigation.

Under the Fair Credit Reporting Act,15 U.S.C . 1681g I have the right to demand that Transunion disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that you are reporting in my credit report. Send me copies of the documents that you have in your files that were used to verify them. Acting for additional 60 days after over 120 days already is unfair and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have filed several disputes with all three credit bureaus in addition to each collection agency in which reported information on my credit reports. I have since been denied housing for such information on paid debts. I have attempted several times to contact not only this office via online complaints, phone and now by mail. Please accept the following documents in efforts to get these cases resolved within the next 5 ( calendar days ) due to the amount of time in which it has been since I have filed my first dispute. 

I am disputing the following companies : XXXX Incorrect names, addresses and collection agency disputes in which companies have not attempted to validate debt, nor remove information from credit report after accepting payment per the conditions of corresponding letter. 
XXXX - Incorrect names, addresses and collection agency disputes in which companies have not attempted to validate debt, nor remove information from credit report after accepting payment per the conditions of corresponding letter. Reporting debt in one month, then removing it, then placing it back on the credit report of a different amount ( per the collection agency- no validation of records has taken place ) TransUnion - Incorrect names, addresses and collection agency disputes in which companies have not attempted to validate debt, nor remove information from credit report after accepting payment per the conditions of corresponding letter. 
XXXX XXXX XXXX accepting payment and not updating credit bureaus of deletion per corresponding letter XXXX XXXX XXXX - accepting letter with proof of payment and not updating credit bureaus of deletion per corresponding letter National Credit Systems Accepting letter, emails and phone calls in reference to a paid debt. Company is refusing to delete account when proof has been provided on several occasions. Phone calls, emails and disputes are going unanswered. No deletion, and updated credit report of a paid debt, and will not return overpayment. 

I am currently in the process of purchasing my first home for my family. It would be a kind gesture if you could grant me the deletion of this negative reportings and make goodwill in removing the account in full off all credit reports. 

Thank you for your consideration, and I hope that you will approve my request. 

Sincerely, XXXX XXXX XXXX included Current open complaints XXXX filed XX/XX/22 No update and company will not respond to my request XXXX filed XX/XX/22 Closed, no useful feedback provided to make a clear decision XXXX filed XX/XX/22 No update and company will not respond to my request XXXX filed XX/XX/22 Mistakenly filed and company needs to be deleted XXXX filed XX/XX/22 company will not return phone call, updated credit reports with falsified information. 
XXXX filed XX/XX/22 Owner of XXXX XXXX XXXX that hired XXXXXXXX XXXX XXXX XXXX XXXX to file and approved reporting incorrect and false information to credit bureau XXXX
Product: Checking or savings account

I have capital one checking. I get paid Thursday it is now Friday and havent received my deposit of my paycheck. I checked with my employer and have proof they sent the deposit to capital one. I have my cell phone bill due today as well as a weekly charge for a guitar I purchased. If I dont receive the money my payment will be rejected including my phone being cut off. I shouldve gotten paid XX/XX/XXXX it is now XX/XX/XXXX and still no available
Product: Credit reporting or other personal consumer reports

Re : Dispute of Account and Request for Additional Information To the XXXX Executive Office of Customer Care : This letter is a formal dispute and response to your letter dated XX/XX/year>, regarding the alleged loan obligation and related legal action on my XXXX account. I appreciate your detailed response and the information provided, but I respectfully request additional clarity regarding the following matters and assert my rights under federal and state laws. 

Dispute of Debt under the Fair Debt Collection Practices Act ( FDCPA ) I understand from your letter that XXXX maintains that the FDCPA does not apply to this account as XXXX is the original creditor. While the FDCPA ( 15 U.S.C. 1692 et seq. ) generally applies to debt collectors rather than original creditors, I respectfully request that XXXX verify and provide clear documentation to ensure compliance with federal standards, especially as my account has been assigned to a third-party law firm for collection. 

Fair Credit Reporting Act ( FCRA ) Compliance Under the FCRA ( 15 U.S.C. 1681 et seq. ), I am entitled to the right to dispute the accuracy of information reported to credit bureaus. If there is an alleged judgment or charge-off reported on my credit history, I formally dispute its accuracy and request that XXXX conduct an investigation in accordance with FCRA requirements. In addition, I ask that you provide me with any specific details and documentation that confirm the accuracy of the information reported to credit bureaus. 

Request for Comprehensive Documentation and Validation of Debt While you included the original loan agreement, judgment, and payment history, I request the following additional documentation to validate the debt in question : XXXX. An itemized statement showing the total amount financed, interest accrual, payments received, and remaining balance. 
XXXX. All communications sent to me regarding any missed payments or charge-offs prior to the lawsuit. 
XXXX. Confirmation of the law firms authority to collect on behalf of XXXX. 
XXXX. Details of any insurance premiums or fees added to the loan principal and their impact on the loan balance.
Product: Credit reporting or other personal consumer reports

Experian agents are not accessible to resolve my ongoing fraud case initiated prior to XXXX and I have spent more than 12 hours on the phone trying to resolve the situation. Prior to XXXX I was notified of several attempts of using my ID information [ SSN, License, etc. ] to set up over 10 credit/loan applications. I have since called all banks and initiated disputes as well as set up online accounts at XXXX and XXXX. Unfortunately I was unable to access my Experian online account as it apparently had been already set up. When trying to gain access to my Experian online account I had requested a User Name reminder at which time I was notified that it was sent to an email address that was not mine. I called Experian and the agent instructed to send personal information to confirm my identity [ faxed on XXXX with confirmation report - attached ] so that they could cancel and or reset the existing on-line account to allow for me to re set-up. On XXXX I called Experian to get a status update on the situation - at that time the agent noted that someone has also set up a financial " Experian XXXX '' account [ XXXX ] using my information [ fraudulently ] - the agent went on to say that it is a common tacit for ID theft actors to set up accounts like this to create issues with account re-sets. The agent then noted that the XXXX team would need to confirm information from the Experian fraud department to close the account ; no information about this account was shared with me for security purposes. I received an email from Experian on XXXX [ escalation # XXXX ] again requesting personal information- I called them, spoke to an agent and confirmed the information was already faxed to them and that due to the nature of the information, I am not comfortable resending. Since XXXX I have called Experian for an update four times and consistently was not able to speak to an agent that could provide any meaningful update. Rather I was diverted to various departments and ultimately to automated systems that directed me to a website for additional membership " specials ''. I have also uploaded my police report on the overall incident during the week of XXXX. [ uploaded to XXXX referencing incident # XXXX ]. My latest call to Experian was today, XXXX. I spent an additional 1.5 hours on the phone with the same outcome as prior. Specifically, I spoke with ( 6 ) different agents who provided various numbers to call as well as instructions, which I followed and ultimately all went back to sending me online or to purchase additional products. Numbers that were provided include : XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know where to begin. This complainant is about is about a XXXX XXXX  company they call American Finance. I got my credit report back on the complaint I have been complaining about showing proof that this company was charging me XXXX every two weeks for 14 months so the total I paid was {$6100.00} Dollars towards this loan once I submit my credit report you going to see that they said I only made {$3300.00} dollars towards the loan how can I only made {$3300.00} dollars towards the loan if I was paying {$220.00} every two weeks since XX/XX/XXXX and the last payment was made on XX/XX/XXXX Remind you in the 1st complaint and showed proof that they they gave me a 1 year tag the expired on XX/XX/XXXX that's when i was calling trying to get my tags and they refuse to give me my tags and they lied and said that they never charged me for tags and then I sent in proof that they in fact charged me for a two year tag and only gave me one and never gave me my tags so that's why I made the last payment on XX/XX/XXXX Because they refused to give me tags and I wasn't paying until I got them and they repose the car now in the Credit report says that terms left on the loan was 16 months so once again I showed proof that I was paying every 2 weeks so how can I be late and they reported to the credit company that I was late then it states that it was for a 29 month loan when the contract I proved showed it was for 60 months and they reword it as payments to make it 30 months because I pay every 2 weeks the like the same as 13 months payments 26 weeks which make it a 29 month the proof I sent in can show that they falsified document and that's why they tell people of color when we take your people to court we always win. They not reporting that they charged this guy for a 2 year tag making him pay interest on itXXXX and never gave him his tags but we still going to repose it cause we didn't live up to our contract but we made him. like I stated in my complaint before and lied to me and said they have they own insurance but in fact it was debit cancellation and now you guys believe me that this company do nothing but lie and mislead and do unfair trade practices customer when I prove the email sating that they never charged me for tags and contract say they did will somebody believe me that this company lie to there consumers and run a Ponzi scams with Car dealerships I paid online so I got every payment history so where did the money go if I only paid {$3300.00} towards the loan when my payment say I paid {$6100.00} every 2 weeks @ {$220.00} but they say the loan was only for {$9700.00} dollars but I showed proof in this complaint last complaint that the loan was for {$13000.00} there's funds missing and they didn't know what happened to it and they reporting information and pocket the rest of the money Because of my Credit Report and personal information like SS # the proof will be mailed in
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX