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

This letter is a formal request regarding the student loan debt ( s ) that you have reported on my consumer credit report. Please be advised that this is NOT a refusal to pay but a request sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). I am disputing the validity of the alleged debt ( s ), and I am requesting proper validation.

This is NOT a request for mere verification of my mailing address or other peripheral information, but a formal demand for competent evidence that establishes my legal obligation to pay this debt and the right of your office to report it to consumer reporting agencies. 
Specifically, I request the following : Account Name : XXXX XXXX Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Name : XXXX XXXX XXXX Account Numbers : XXXX, XXXX, and XXXX Account Name : XXXX XXXX Account Numbers : XXXX, and XXXX XXXX. Proof of Debt : I respectfully demand that you provide a copy of the original wet-ink promissory note or other documents that serve as the foundation of the alleged debt ( s ) you claim I owe. The absence of such documentation violates my rights under the FCRA, FDCPA, and any applicable state laws. You must provide evidence proving your legal authority to report this debt.

2. Failure to Provide Proof : Should you be unable to furnish the original promissory note or other valid documentation within 30 days from receipt of this letter, I request that you immediately cease reporting this account to any and all consumer credit reporting agencies and remove it from my credit file. The continued reporting of unsubstantiated debts is a violation of the FCRA and may also constitute fraud. If no response is received within the 30-day window, I will pursue all available legal actions to ensure compliance.

3. Correction of Consumer Report : If your office decides to remove the accounts from my report, I request written confirmation of this removal, along with written verification from the credit bureaus that the accounts have been deleted.
Product: Mortgage

Upon running my credit on XX/XX/19 and issuing a mortgage commitment and several closing dates and changing my mortgagee on my insurance. As of XXXX, In the midst of a pandemic and financial uncertainty, Cross Country Mortgaged, misled, mistreated and blatantly lied to me on multiple occasions. It saddens me that cross country has operated in such a manner. It has caused me over {$14000.00} in Out of Pocket expenses.
Product: Credit card or prepaid card

In XX/XX/2021, I applied for an XXXX credit card because they were offering a promotion. I filled out the application and submitted it but never got a response of any kind from them. They never told me I was denied or anything. Nothing. All that happened was the inquiry appeared on my credit report and dropped my score. That doesn't seem fair at all especially considering I already have a credit account through the same company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is a scam agency! They placed a derogatory account on my credit report. They stated I owed {$140.00} to XXXX. This is FALSE! I do not owe XXXX {$140.00}. I have reached out to XXXX collections department several times to see if there is an outstanding bill. They stated theater is no outstanding bill I owe. I have attached the final bill they sent me from my account. I am a current XXXX customer. How can I be a current XXXX customer if I have an outstanding collections account with XXXX. That doesn't make any sense. This has cost my credit score to drop over XXXX points. I never received any type of bill stating I owed XXXX any money. XXXX XXXX XXXX stated account {$140.00} past due as of XX/XX/year> - Account number XXXX XXXX  Resource Management - XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

In accordance wit the fair credit reporting act 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 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 15 USC 1681 Section 602A States I have right to privacy. 15 USC 1681 Section 604A Section 2 also stats a consumer reporting agency can not furnish an action without my written instruction.
Product: Money transfer, virtual currency, or money service

I signed up for a PayPal business account, and the signup process went very smoothly. However, once the processing was complete, I received a notification as part of the CIP program stating that I needed to get my identification approved in order to start using my account. 

I made several attempts to upload the required documents from my end, but despite my efforts, I couldn't find a solution. I called support and explained the entire situation so that my issue could be resolved promptly. 

The limitations department informed me that I needed to send them my PHOTO ID, Social Security Proof, and Utility Bill so they could fully verify me and onboard me properly. 

Unfortunately, after checking my email today, I was deeply saddened to find out that instead of approving my account, it was permanently restricted for no apparent reason. If my information isn't being verified, then what's my fault in this? 

I kindly request the management to manually and properly review the relevant documentation I submitted and make the decision that is best for my account. 

I'll be waiting for your positive response!
Product: Student loan

XXXX has not sent me any statements showing my balances due. I did not know my loan was almost defaulted - I was informed by a accelerated action letter from chase dated XXXX. I was not given any phone calls or additional letters warning me that I was about to default. I am just asking chase allow me to make up the missed payments and continue making the monthly payments. I WAS TOLD WHEN MY LOAN WAS MODIFIED FOR LONG TERM PAYMENT MODIFICATION I WOULD HAVE FORBEARANCE FOR PAST DUE AMOUNTS. THIS DID NOT HAPPEN. i WAS NOT INFORMED THAT THIS HAD NOT HAPPENED.
Product: Mortgage

apply for XXXX loan {$90000.00} all paper submit their was and that appraisal by their peoples and it was appraise at the {$90000.00} so I through the loan was going thru but later it was denied because they did another appraisal it was a XXXX finance by XXXX the loan did not change so why another appraisal. 
file XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/2022 i made a {$5.00} charge. The XXXX  credit card account had been on automatic payments for an unknown period as the card was not used but a couple times per year. XXXX service failed to make the payment, with multiple agents disputing I had set up auto payment or that they even offered the service. I was out of town for work for several months which is why automatic payment is beneficial and I did not get the subsequent late notices, which are ONLY delivered via USPS, no electronic billing options. Even to this day XXXX denies automatic payments were set up or offered. However, XXXX sent an apology letter admitting the service was offered, I did set it up, and XXXX service did not work as expected and failed to make a payment to my credit card. They also refunded the late fee. However, they refuse to submit a credit report correction or respond favorably to the credit disputes submitted by me, resulting in the only late payment on my credit history for over 7 years.
Product: Credit card or prepaid card

My online bank sent two payments to chase for a large sum of money on XX/XX/XXXX and XX/XX/XXXX. After being unable to resolve this with my bank, I realized that I needed to get chase to electronically refund the money. On XX/XX/18 and XX/XX/XXXX we spoke to XXXX and XXXX and XXXX who assured us that the information sent would be good but we would have to wait 3-5 calendar days. XXXX on XX/XX/XXXX said he would call back to make sure everything was ok, he never called. On Monday XX/XX/XXXX we spoke to XXXX who said that our payment was processing. He even gave a time of XXXX XXXX but we needed to wait 3-5 days. Wednesday, XXXX from Chase said that we were given an incorrect time frame and we would have to wait 30 days. She asked us to hold and came back and said she was incorrect and said it would be 3-5 days from Monday and to wait until Friday. Friday XX/XX/XXXX we spoke to XXXX who was great and actually the only one who called back because she realized that we had a serious issue. She transferred us to XXXX who told us that we needed more information which we promptly faxed to them. He said it would be 3-5 days. The following week was filled with more 2 hour phone calls and incorrect information. Chase informed me on Wednesday XX/XX/XXXX that it would be 30 days. What?? They had an extra payment and wouldn't return my money and actually stalled for two weeks. On Friday XX/XX/XXXX we reached XXXX who finally sent the information on to their back office and we received a phone call back saying that the information was sufficient and they would refund my money within 3-5 days. After multiple phone calls over a period of two and a half weeks that totaled over 25 hours I finally received my money. It is shameful that Chase held a large sum of money and had no pathways to help to resolve the issue in a timely manner. The majority of the payment specialist did not care to help me and incorrect information was given multiple times. Each phone call lasted over 90 minutes some over 3 hours. Chase 's customer service is really horrible. Thankfully, my personal banker helped me with these phone calls and I was able to get my money back. Had I not had him, I believe that this issue would not have been resolved.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX on XX/XX/XXXX account number XXXX and a credit card account opened at XXXX CARD on XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a consumer pursuant to 15 USC 1692a ( 3 ), 12 CFR 1006.2 ( e ), 12 CFR 1026.2 ( a ) ( 11 ) and 16 CFR 433.1 ( b ). //// EXPERIAN, XXXX and XXXX are CONSUMER REPORTING AGENCY pursuant to 15 USC 1681a ( f ) ( p ). This is a dispute pursuant to 15 USC 1692g/// EXPERIAN, XXXX and XXXX violated the FCRA for furnishing and reporting negative information on my consumer report that is inconsistent with the Permissible Purpose under the FCRA 15 USC 1681b. /// EXPERIAN, XXXX and XXXX violated my consumer right to privacy which is a violation of 15 USC 1681 ( a ) ( 4 ), furnishing negative information without my consent //// EXPERIAN, XXXX and XXXX reported some negative transaction information, in violation of 15 USC 1681a ( 2 ) ( A ) ( i ), which clearly states that the consumer report does not include any report containing information to as transaction or experiences between the consumer and those financial institutions///// EXPERIAN, XXXX and XXXX also violated 15 USC 1681b ( a ) ( 2 ) for furnishing the negative information in my consumer report without my written consent. ///// EXPERIAN, XXXX and XXXX also violated 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and 2 ( 7 ) ( B ) for failure to send me a NOTICE OF NEGATIVE INFORMATION as mandated by the FCRA. I'm being denied credit and jobs opportunity due to EXPERIAN, XXXX and XXXX non-compliance and violation of the FCRA /////I DEMAND the complete removal of the XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX accounts including and not limited to any NEGATIVE REMARKS reported by EXPERIAN, XXXX and XXXX ( they were furnished without my consent ) /// NOTICE IS GIVEN : In the event EXPERIAN, XXXX and XXXX failed to comply with the FCRA , this complaint will be used as exhibit in any future federal complaint in Federal Court for the above referenced violations of the FCRA. And this account with be reported to the IRS for proper audit
Product: Debt collection

I received a bill from XXXX XXXX XXXX for {$600.00} for Date of Service XXXX I forwarded the bill to my insurance company. My insurance company paid the bill on XXXX/XXXX/XXXX. 
A few months later, I noticed a derogatory mark on my credit report from Choice Recovery for the bill from XXXX XXXX XXXX, which had already been paid by my insurance company. 
I contacted XXXX XXXXXXXX XXXX and they verified that the bill had been paid and there was no balance due on my account. 
I called Choice Recovery, but my calls always went to voicemail. I left a message explaining that the bill had been paid and that I have proof of the payment, if they need it. 
I also filed a dispute with the credit bureaus and sent them proof of the payment. 
However, to date, Choice Recovery has refused to remove the inaccurate reporting of this account as delinquent from my credit reports.
Product: Credit card

CAPITAL ONE did not use my information correctly, under the FAIR CREDIT REPORTING ACT, i have the right to remove that inquiry that took place on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 items : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$910.00} ; XXXXXXXX XXXX XXXX Balance {$730.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX XXXX
Product: Debt collection

Lloyd and McDaniel debt collector is reaching out to me as a debt collector from XXXX XXXX stating they will sue me for a charge off account that I have not been told was charged off. I am a XXXX XXXX Credit card holder with no relation to Lloyd and McDaniel. 

This account negatively impacting my credit score and needs to be removed and closed. As Lloyd and McDaniel is a debt collector not XXXX XXXX.
Product: Credit card

I applied for the XXXX XXXX Visa from US Bank on XXXX XXXX, 2015. Prior to receiving my card in the mail I received an email from stating that the major benefit of the card ( a bonus award night ) would be going away. When I called US bank to see if they would waive the annual fee they said it was out of their control because XXXX XXXX was the one who made the change. I feel like this is a bait-and-switch tactic due to the fact that US Bank is still advertising the bonus award night as a benefit EXCLUSIVE to card members.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 168c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections cellular phone account opened at XXXX XXXX under the account number XXXX with a balance of {$940.00}, multiple student loan accounts opened with the Department of Education XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulant items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

In XXXX, Discover Bank requested some additional personal information. 
I informed them I would be mailing it within 24 hour which I did.

They claim they did not receive the information and instead of informing me they did not receive it, which I would gladly email or fax, they closed my account and reported it to the credit bureau without ever contacting me first. 
I spoke to them and they simply stated " sorry, notining we can do now ''. 
this is a very unscrupulous practice since I should have been notified they did not receive the information before taking such action against a customer.
Product: Vehicle loan or lease

I took this loan out with Regional Acceptance Corporation in XXXX and it was to pay off in XXXX of XXXX. I have requested a few extensions but when I look at my balance I owe more now then when I took the loan out 7 years ago. I purchased the car for {$14000.00} and to date I owe {$16000.00}. I dont understand how this is possible that i have been making payments for 7 years and i still owe this much. The interest rate of 26 % is doubling everything i originally owed.
Product: Mortgage

This complaint it to do with Carrington mortgage services LLC I have tried to do a loan modification with them Im on my sixth attempt they do not get back to me with information that they request when I call once a week once I submit the information they tell me what they may need I get it to them this last time the girl told me I need to submit a paper which I did the next day which I have a copy of they said because I did not re-submit all the other paperwork so it was all in order they refused three mortgage this is been a problem for almost 2 years now since I was injured at work I have tried to give them payment they sent back stating they would not except any payments toward my mortgage unless it was the entire amount I had not submitted since that point at the beginning of this process I feel I have gone above and beyond trying to get them they refuse to communicate with me when they find a problem as most banks would they do not communicate they just close the system out I am trying to get back on track I am back to work was looking to start making payments but they keep denying state and I am not giving them what they need when I do have proof I have given them everything that they have needed and have asked for I have made the phone calls that they have made no contact to me I was originally with XXXX XXXX XXXX they turned or sold the account to Carrington mortgage services I was in the process of loan modification with them when they turned it over to Carrington they said I had to go through the process again which I started and I did and they feel they communicate with me and XXXX closing the case out I am now on my sixth or seventh time attempting to do this and I was wondering if there is anything that the government can do because I find that this is a little bit on the ridiculous side when a mortgage company will not talk with you and tell you our assist in trying to get everything needed to get this done I do not wish for a foreclosure I have never had a problem until I was injured I am trying to Do all I can to get this back on track and get back to normal payments and get this caught up and paid off at some point in my life this company does not seem to want to work with me when I mentioned call them and try to get additional information of why they said things werent sent and I have proof that they were said they just did not get it and want to put it in their own process of organization I dont know what their issue is but I am falling further and further behind to the point where Im probably going to lose my home and less I get some help please if you need any additional information I will be more than happy to give it to you thank you