23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX I sent a letter to XXXX XXXX XXXX BOX XXXX XXXX NY XXXX, I requested VALIDATION OF A DEBT they say is owed to them ... This is a third party collection agency I request they provide written documentation signed by me and them stating I would pay the debt to them. Following below is the exact verbiage that was sent to them. Instead of sending me the signed documentation I asked for what I received was copies of bills which is not VALIDATION OF DEBT. I am requesting that XXXX  cease all collections and remove themselves from all credit reporting agencies as I did not authorize the sell or use of my information for any purpose. Attached you will find verification of communication I sent to them also documentation they sent back to me. There is NO CONTRACT between me and this agency. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission XXXX FTC XXXX and other state/federal agencies. 

Please attach copies of the following documents : 1 ) Agreement with your client that authorizes you to collect on this alleged debt. 
2 ) Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 
3 ) Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.
Product: Credit card

On XX/XX/year> I applied for a credit card and was denied regardless of the reason for being denied. I have the right to credit, withholding my access to my securities is securities fraud, discrimination, violating the ECOA and consumer credit protection act. 

I have no intentions to gift nor abandon my original issue in our consumer transactions/trade. 

They are using the ECOA for the FRCA to deny me credits.
Product: Debt collection

Received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX Name : XXXX XXXX Letter sent on the behalf of XXXX saying payment of {$42.00} was due. I have ne ver purchased anything on XXXX. And anyway, all purchases on XXXX are paid prior to receiving goods ... .. 

XXXX XXXX
Product: Mortgage

I began the process of a debt consolidation refinancing in XX/XX/XXXX. All forms were submitted and approved. I was sent the application to sign that would allow the appraisal and closing process to begin. Once I signed and submitted the paperwork the loan officer NMLS # XXXX did not return phone calls nor did his manager. Once I did receive a call back. I was told the application documents are computer generated and I was not approved based off income. When he verified income to produced application for signature. Then I was sent a letter stating that I indicated I no longer wish to proceed. A lie.
Product: Credit card

On XX/XX/year>, I made an electronic payment of {$15000.00} to my Citi AAdvantage Platinum Select Mastercard, the same way I do every month. There was an admitted electronic issue by my bank that resulted in a delay in this payment being made. This payment was debited from my bank account on XX/XX/XXXX but was delayed when sent to Citi Cards. 

On XX/XX/year>, presumably due to the delay in delivering the payment by my bank as noted above, Citi Cards made a duplicate pull from my account, resulting in a total of {$30000.00} debited from my bank account. When I contacted my bank regarding the duplicate payment, they admitted the delay in the initial payment, but advised that the initial payment was ultimately delivered to Citi Cards. At that time my bank reversed the duplicate payment and credited my account in the amount of {$15000.00} on XX/XX/year>. The initial payment was not credited to my bank account and my bank confirmed that the initial payment of {$15000.00} was delivered to Citi Cards. 

Since then, I have made repeated attempts to work with Citi Cards to have the {$15000.00} payment that was sent, credited to my account. None of those attempts have resulted in my payment being applied. One supervisor with whom I spoke even conferenced in a representative from my bank on the phone with me and confirmed all of the information above. Each supervisor was extremely apologetic, was able to confirm all this information, and promised resolution. Each time the information was provided to the Payment Investigation Team, who closed the issue without any contact made to me and without resolution or without a credit to my account.

Since then, Citi has inactivated my payment method with my bank, rendering me unable to make even the minimum payments while this issue is resolved, charged me a late payment fee on XX/XX/XXXX even though Citi Cards left me with no ability to make a payment, provided negative information on my credit report, and elevated my interest rate to the maximum penalty amount. All this even though I made a good faith attempt to make a {$15000.00} payment on XX/XX/XXXX and even though that amount was not returned to me, confirmed by my bank that {$15000.00} was indeed delivered to Citi Cards to the above-referenced account, and even though I made seven ( 7 ) prior good faith attempts with Citi Cards to resolve the issue by phone. 

On XX/XX/year> I sent a formal letter, along with a copy of my bank statement and proof of the payments ( attached ) via two provided fax numbers and sent a hard copy of the letter to Citi Cards via Priority Mail Express, confirmed delivered on XX/XX/year>. I advised Citi Cards following my last attempted good-faith effort by phone that if the issue was not resolved in the communicated XXXX business days that I would file a complaint with the CFPB, and that is noted in the formal letter.
Product: Credit reporting or other personal consumer reports

There are accounts that need to be removed off my credit reporting file. I have attached FTC report. I also have reported to XXXX and Texas Attorney General. I am real human this is no 3rd party.
Product: Credit card

I am writing to formally file a complaint against Discover Financial Services regarding a disputed charge on my credit card for a bed frame purchase that was never resolved satisfactorily. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>, I purchased a bed frame from the merchant ARTICLE for {$2800.00}. Upon receipt, the bed frame was delivered to an incorrect address and was left at the street. I had to transport it to my apartment myself. Additionally, the bed frame arrived with several mechanical damages that rendered it unusable, as well as significant cosmetic damage, which is unacceptable for a new product.

3. Merchant 's Response : Despite the damage and improper delivery, the merchant refused to accept a return of the product or provide replacement parts to remedy the situation. The merchant 's refusal is contrary to their stated return policies.

4. Dispute with Discover : I attempted to resolve this issue through disputes with Discover on two occasions. Both times, Discover refused to take action on the dispute, leaving me without resolution.

5. Requested Resolution : I am requesting that Discover credit my account {$2800.00} for the charge related to the damaged and improperly delivered bed frame. 

I appreciate your attention to this matter and look forward to a prompt resolution.
Product: Credit card or prepaid card

I contacted this company and informed them that someone opened an unauthorized account using my personal information and this is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize the following inquiry XXXX XXXX XXXX Inquiry from XX/XX/2017. Please investigate the following to ensure there is no fraudulent activity.
Product: Credit card

I applied and was approved for a Santander Ultimate credit card in XX/XX/XXXX. 

From the start there was a never ending series of problems, from issues with the mobile applications, the website, and access to certain information. All of these problems still exist. 

This complaint however pertains to my credit rating, which dropped by almost XXXX points because of the incompetence of XXXX. 

When I set up autopay, unbeknownst to me, there was an issue with the checking account number. There was no easy way for me to see my full account number, so I had no idea that the number was incorrect. It meant that payments weren't being processed by autopay, but even when I tried to pay by phone with Santander, they didn't go through. 

I spoke to XXXX XXXX XXXX in XX/XX/XXXX about the issue, who acknowledged that there was a problem with the account number. I repeatedly tried to contact him, but he never got back to me in order to fix it. 

I tried to resolve the problem with Santander with dozens of calls over the months with no success. They kept on insisting that it was my or my bank 's fault, even though I told them XXXX XXXX had confirmed that the problem was with Santander. 

Eventually, I was finally able to speak to someone who knew how to modify the account number and fix the problem. But it was too late and my credit score was affected. 

As a result, I was turned down for a credit card from another bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.The XXXX Credit Bureau is reporting inaccurate information on ABSOLUTE RECOVERY SERVIC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

Repetitious phone calls by XXXX XXXX with Northstar Location Services LLC XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from XXXX XX/XX/XXXX - from XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from XXXX XX/XX/XXXX from XXXX
Product: Credit reporting or other personal consumer reports

There seems to be an identity theft going on with my Transunion credit report as someone tried to apply for a credit card with " XXXX XXXX XXXX '' on XX/XX/year> using my SSN and other details which led to a unauthorized hard enquiry. This hard enquiry needs to be removed
Product: Checking or savings account

On XX/XX/XXXX I filed a dispute against a company that charged thousands on a debit card of mine while I was incarcerated. I was advised on XX/XX/XXXX that it was denied due to it being done by an authorized user. I HAVE NO AUTHORIZED USERS ON MY ACCOUNT NOR HAVE I GIVEN ANYONE PERMISSION TO USE THAT CARD
Product: Credit reporting or other personal consumer reports

I do not owe these debt collectors. Please remove these accounts from my credit report.
Product: Debt collection

On Monday XX/XX/2018 I received a letter from ProCollect Inc. After reviewing the content of the letter, my wife & I decided to give them a call. During the conversation the agent mentioned that we can immediately pay by Debit Card, because the payment deadline is XX/XX/2018?. She explained that the original creditor sold the debt to ProCollect without contacting me first!. 
On Wednesday my daughter who was the tenant decided to stop at the creditor ( District of XXXX, XXXX, Florida ) office for clarification of the charges. The answer she received was, that we need to contact ProCollect because they already sold the dept to them.
Product: Credit card or prepaid card

After multiple attempts to receive a credit for a returned appliance that was damaged the company keeps passing me to third-parties and saying the refund is " in process '' but continues to accumulate interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have tried contacting the three credit buerues and I have entered a complaint about these fradulents account on my credit and they still have yet to act on my situation at the moment I would love for them to remove the accounts
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit card or prepaid card

Barclay Bank Card Company bill ed for a charge on a  XXXX   XXXX   XXXX  card I never received and never activated. After many complaints the company terminated the card and the charge. It did not remove the entries from my credit record despite my requests to do so. BUT, I applied for another different card at  XXXX   XXXX , and it turns out this same compan y ( Barclay ) services that card also, so my application was denied for the reason that Barclay has flagged my account as delinquent or something else stating I did not pay a balance ( it must mean the service charge on the old   XXXX   XXXX   XXXX  , which Barclay waived because I never received or ever activated that card ). I have an excellent credit score in the  high  XXXX  's and good credit. This is unfair and will limit my obtaining future cards from a lot of places serviced by  Barclay  Bank.
Product: Credit reporting or other personal consumer reports

I am writing in reference to my recent dispute regarding the inaccuracies in my credit report. Despite my previous request, I have not been provided with the specific name, address, and contact information of the data furnisher involved in the disputed item.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to this information to ensure that I can address and resolve the inaccuracies in my credit report effectively. It is insufficient and non-compliant to merely direct me to contact the lender without providing the exact details of the data furnisher you consulted during your investigation.

Please provide the following information promptly : 1. The name, address, and phone number of the data furnisher ( s ) you contacted to verify the disputed information.

2. Detailed documentation and evidence of the investigation process, including the specific steps taken to verify the accuracy of the disputed item. 

It is imperative that XXXX complies with this request to facilitate a transparent and fair resolution of the dispute. Failure to provide this information may result in further action, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice under the provisions of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I applied for a forbearance. On XX/XX/2020 the account was 30 days past due. On XX/XX/2020 XXXX XXXX XXXX reported my account as 30 days past due with a delinquent amount due. On XX/XX/2020 the lender XXXX finally approved the forbearance.. XXXX XXXX refuses to fix my report even though the forbearance was approved. Its not my fault it took the lender so long to process the forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of closing on a house. The mortgage lender detected an outstanding balance of {$450.00} on my credit report. After speaking to a representative named XXXX XXXX at Ability Recovery Services ( the debt collector ), I have discovered this balance belongs to a person named XXXX XXXX whose date of birth is XX/XX/XXXX and whose address is XXXX XXXX XXXX EE, XXXX, Tx XXXX. I was told XXXX XXXX purchased an online course through XXXX XXXX on XX/XX/XXXX, which resulted in the balance. I am not sure how this balance came to be on my credit report, but it does not belong to me. This balance must be removed from my credit reports.
Product: Checking or savings account

In XX/XX/2022, Citi said my account had no transactions in the XXXX  months prior and froze/deactivated my account. 

In XXXX I was told to mail in a signed letter or go to a local branch. I am not currently in the USA, so I mailed in the letter, exactly as they requested. They DID NOT request for the letter to be notarized/apostilled. 

The letter was sent on XX/XX/XXXX. 
I was informed by the carrier that the letter was delivered on XX/XX/XXXX. 
I called at least once each month in XXXX, XXXX, XXXX and XXXX to see if the letter had been received by the correct department. 

In XXXX I was informed that the letter arrived on the XXXX and was being redirected to the responsible department in XXXX XXXX. 

I was informed by XXXX attendants that the letter was received correctly and that the account should be reactivated within XXXX  days. 

I kept on calling to get updates until I was told that I had to mail in a notarized letter. After inquiring as to why, the attendant told me the letter had to go through the Consulate to have my signature verified. 

I am too far from the consulate, already spent over {$20.00} to mail in the letter. I have over {$2000.00} which is costing me over {$10.00} per month as I want to move the money to an account with a 5 % yield. 

Its been a TERRIBLE experience and I have been misinformed and mistreated by Citi. 

I request either for my account to be reactivated or for the funds to be sent to another account under my name and Social Security and for my account to be closed. 

I tried for over XXXX  months to have my account reactivated directly with Citi, which turned out to be impossible. 

Thank you. 

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

On XX/XX/XXXX at XXXX I sent an email to the CEO ( XXXX ) of CapitalOne requesting a XXXX  adjustment in regards to a missed payment from XX/XX/XXXX showing on my credit report that was due to extenuating circumstances at the time. A CapitalOne rep called me on XX/XX/XXXX at XXXX ( that lasted 3 minutes long ) to tell me that she was a representative regarding CapitalOne, that a team investigated the matter, and that they don't do XXXX adjustments because they have to report everything accurately. My sister had a similar situation and explained everything, and got a XXXX adjustment with the late payments removed, I have seen other letters online of people showing their XXXX request being approved from CapitalOne, so I do not believe that information is true. I know many others who have also reported getting a XXXX adjustment and this is my first very time ever requesting something like this. I have sent an email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have not heard anything back yet.
Product: Credit reporting or other personal consumer reports

Due to this inaccuracy in my report, I have been experiencing significant financial distress. My credit scores have been negatively affected. This has increased my financial burden and made it difficult for me to meet my financial obligations.
Product: Credit reporting or other personal consumer reports

This car was fradulently obtained. XX/XX/XXXX until XX/XX/XXXX I was XXXX  in a XXXX XXXXXXXX XXXX I have filed an FTC Report and a Police Report in regards to this matter. I have requested several times from this creditor to investigate this identity theft and they have refused. I did not open these accounts, my information was fraudulently used to obtain this credit. I have disputed this with these companies previously and the accounts were removed from all three credit bueraus but recently they have been added back onto my report.
Product: Checking or savings account

On XX/XX/31 through Wells Fargo Bank, my account was fraudulently withdrawn {$370.00} and {$370.00} by use of XXXX. One of the phone numbers used by the suspects belonged to an account within Wells Fargo. The account was opened briefly and multiple fraudulent transactions occurred through this account before being closed. My account was deemed compromised by the Wells Fargo security team and a migration occurred. My loss of {$750.00} was denied reimbursement by the fraud claims department, thereby breaching 12 CFR 1005.