23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

PAY FOR DELETE collection XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX [ date ] XX/XX/year> [ capital one [ Collection Agency adress XXXX Virginia [ City, State, ZIP Code ] Dear [ capital one ] I am writing to you in regards to a debt that I allegedly owe, which is being pursued by your agency. I understand the importance of resolving my financial obligations, and I would like to propose a resolution that benefits both parties involved. 

I am willing to offer a payment of [ Insert agreed-upon amount to settle the debt ]. In exchange for this payment, I kindly request that you agree to remove any and all negative information associated with this debt from my credit reports with all major credit reporting agencies, including but not limited to XXXX, XXXX, and XXXX. 

Please note that this payment is not an acknowledgment of the debt 's validity but rather a gesture of goodwill to resolve the matter. I request that you consider this offer as a full and final payment for the debt in question. 

Furthermore, I kindly request that you provide written confirmation of our agreement once the payment has been received. The confirmation should state that you will remove all negative information related to this debt from my credit reports within [ Insert reasonable timeframe, e.g., 30 days ] after receiving the payment. This agreement will be considered binding once the confirmation is provided. 

I also request that you refrain from selling or transferring this debt to any other third party, as it may result in further negative reporting on my credit history. I believe that resolving this matter in a mutually agreeable manner will be beneficial for both of us. 

Please find enclosed a cashier 's check/money order in the amount of [ Insert payment amount ], payable to [ Debt Collection Agency Name ]. Kindly provide me with the necessary instructions for making the payment if different from the aforementioned methods. I urge you to consider this proposal seriously and to respond in writing within [ Insert reasonable timeframe, e.g., 14 days ] of receiving this letter. Failure to respond within the given timeframe will be considered a rejection of this offer, and I will have no further obligation to settle this debt. 

Thank you for your attention to this matter. I look forward to receiving your prompt response and the subsequent resolution of this issue. Should you have any questions or require any additional information, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, [ XXXX XXXX
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 following XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$410.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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
Product: Credit reporting

Equifax has a collection account on my credit report. The information is incorrect and I do not owe anything. I filed a dispute with them before and they did not properly investigate the matter. I filed again recently and I am trying to speak with someone from the company. I have call records that show I attempted to call on more than 20 occasions and they keep me on hold for long times and eventually the call is disconnected. When trying to file an online dispute they have a 200 word maximum to describe what happened, that is just not enough to describe what happened and how much damage this is causing. Due to this I was recently denied a student loan ; in the student loan form I was told specifically that the loan was denied due to the XXXX collection account reported on my equifax report. What they are doing is costing me time and money and may prohibit me from going to school to finish the last year of my XXXX XXXX XXXX. The account is charging me for a lease break and a new carpet for my old apartment. I did not break my lease I was evicted. I should not be charge for a new carpet. When I moved in the carpet was already very old. I paid my security deposit and an extra pet deposit when I adopted my dog, and I paid dog rent as well every months. I did not get any of the deposits and after living there for a year with an animal on an already old carpet, they company had to replace the carpet regardless, but I will not pay for them to remodel.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX AND XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 usc 1681i ( 5 ) i waited 30 days and received my investigation and notice everything was still the same. 
the consumer reporting agencies which is equifix, experian, and XXXX did not modify or removed anything. the date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on XXXX credit reports. 

which is violation.this is impacting me from moving forward to a new apartment for my family. 

I attach my previous credit report and my new credit report to show how Experian, XXXX and XXXX violated my Rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$350.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX Opened : XXXX : {$370.00} showing on my credit report.
Product: Debt collection

I was employed with JPMorgan Chase & Co. from XXXX XXXX XXXX. During part of the XX/XX/XXXX year, I was receiving short term XXXX where I was entitled to 60 % pay. On XXXX XXXX, XXXX I received a letter stating I had been overpaid through XXXX XXXX XXXX XXXX pay periods. This letter is titled " 2nd Notification of Overpayment ''. I never received the first letter. Also, I have lived at the same address since XXXX, have a locked mailbox, and check and open ALL mail Monday - Saturday. The letter states that I owe {$1900.00} upon receipt of the letter. I contacted accessXXXX at JPMorgan Chase and spoke with a representative who said he could find no mistake in my pay to indicate that I was overpaid at all. He escalated my call to Sr Specialist XXXX XXXX. XXXX supplied only the amounts I should have been paid before taxes. He said he is unable to supply an after tax amount that should have been paid so that I could compare it to my bank statements. He claimed the ability to " compute '' taxes is impossible. He also said he could not provide me with documentation to prove the total amount listed as owed is actually a correct calculation of what I owe and not larger because of an incorrect tax calculation. How can he be sure its correct if he is telling me tax computation is impossible to begin with? He advised that I could not make any payment arrangement with JPMorgan Chase because I am not a current employer. If I did not pay the full amount on the day I called then he would report me to a collections agency. He assured my credit would not be impacted. I 'm finding that hard to believe. He also said I would be barred from working in other financial institutions if I did not pay the funds. I have been provided with zero documentation to validate these claims. Nor has the company agreed to get documents to me by any method. I do not believe I was overpaid because JPMorgan Chase paid an amount directly to me with the assumption that those funds were due. I lawfully received those funds and spent them with the knowledge and assumption that those funds were due to me. At no point did I initiate those funds myself into my account, nor did the company contact me for 3 years to report an error. XXXX refused to provide me with contact information or even the name of the case worker handling my case.
Product: Credit card or prepaid card

I previously had a credit care with CB Indigo. This account was closed and paid in full XX/XX/2022. I received notice today the account is reopened with a balance. I have attempted to contact the company without resolve. This is fraudulent activity I would like removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working to get this inaccurate information removed from my report for three months now going on fourth months soon. I started sending letters to the bureau on XX/XX/2021. They have ignored them all. They are not doing their jobs and must not have anything on these account.
Product: Credit card or prepaid card

On XX/XX/XXXX I created a Virtual Account Number ( ending in XXXX ) to make an online purchase. I utilize Citis Virtual Account Number feature to set up disposable card numbers to make online purchases to guard against my actual card number being stolen. I had set the expiration date as XX/XX/XXXX and set the spend limit as {$40.00}. On XX/XX/XXXX I received a text and email from Citi asking me to call their Fraud Dept. I discovered that the Virtual Account Number I had created had been used fraudulently. I called Citi and the representative deactivated the Virtual Account Number, but then also told me I had to cancel my credit card and get a new card. I dont understand why I would have to cancel the card the thieves did not have my actual credit card number, they only had the Virtual Account Number. Multiple other charges were attempted using the Virtual Account Number, but they were declined because they were over the {$40.00} spend limit I had set. Only 3 charges, each under {$40.00}, actually posted to my account. I talked to 3 representatives and they all told me the same thing I had to cancel my credit card. This is a hassle because now I have to go contact merchants I have set up for auto-bill and change my card number on file. Why do I have to do this if the Virtual Account Number has been closed? The Citi representative told me I could not dispute the charges that were made if I did not close my card. Reluctantly, I agreed to just close the card. Now it is a week later, and only one of the charges that posted to my account actually shows up as in dispute even though I talked to multiple representatives, told them the 3 charges associated with Virtual Account Number ending in XXXX were not mine, and agreed to close the account, they didnt even flag all 3 charges as disputed and Im not able to do it myself online because I get an error message that I have to call them. Ive already spent 1 hour and 33 minutes on different phone calls with Citi and I can not invest any additional time into this matter. I am extremely frustrated that they made me cancel my card even though all the charges ( and attempted charges ) were made using the Virtual Account Number that has been deactivated. Citi call center representative obviously do not understand the product offerings, to the detriment of Citi customers. The entire point of a Virtual Account Number is so that it can be used to make purchases online and if the number is compromised, its easy to deactivate and you dont have to cancel your actual card.
Product: Vehicle loan or lease

In according to the fair credit reporting act this creditor has violated my rights. 
under 15 u.s.c 1681 section 602 state I have the right to privacy. 15 u.s.c 1681 section 604a section 2 It also states a consumer reporting agency can not furnish an a account without my written instructions under 15 U.S.C 1666B a creditor XXXX not treat a payment on a credit card account under or open An consumer plan as late for any purpose
Product: Checking or savings account

On XX/XX/XXXX, i noticed my balance went down in my bank account, so I logged in online to see what happened. To my surprising I found out XXXX XXXX took {$440.00} for ETF from my checking account without my AUTHORIZATION! And then it was almost a year later since I had them. I cancelled auto pay with them a week after having them because bill came a week later saying due in a couple of days. If not mistaking I cancelled auto pay XX/XX/XXXX, after me logging on and finding out this information for my records i was able to see I signed up for XXXX XX/XX/XXXX. I never signed a contract. They sent me a copy to my email, that they never had on file until recently, ill say a week ago that i gave them to send a copy of contarct. When i fianlly gotten it, it was forged signature saying I signed it and I didn't! I even fax in a bunch of copies of my signatures going back from XXXX, to show my signatures never change! The bank is no help either. The bank say because now the signatures don't match XXXX says it's a legal matter! I ask for money back from XXXX, XXXX said no, because I signed contract. Again I didn't and cancell auto pay a week later. Also XXXX closed my account and placed for collections XX/XX/XXXX but on my credit report it shows XXXX and this account has been closed close to a year now! And then on credit report it shows {$750.00}. So they had that on there whole time not including the {$440.00} they took out my account on XX/XX/XXXX. Because on one credit report they have {$1100.00} and then experian {$770.00}. And its still like that now! I need help getting justice from this company! In having this issue with them I just seeing this is an ongoing issue with this company and something needs to be done about this!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting that I am ( 120 ) plus days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This loan was in deferment. I have attached the confirmation from XXXX XXXX datedXX/XX/2017of this account being in deferment. This false reporting of late is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a complaint against Experian for noncompliance with the Fair Credit Reporting Act ( FCRA ). I recently received a response from Experian regarding the investigation of disputed items on my credit report. However, I believe that Experian has not fulfilled its legal obligations under the FCRA, as outlined in the attached letter. 

Despite my efforts to dispute inaccurate information on my credit report, Experian has failed to conduct a proper and reasonable investigation into these items, resulting in the disputed items remaining on my credit report. Furthermore, Experian has directed me to contact the credit grantors directly, which shifts the burden of verification onto me, in contravention of the FCRA. 

I demand that Experian take the necessary remedial actions to comply with the FCRA requirements, including the removal of all disputed items from my credit report and a new, comprehensive investigation into the disputed items. Additionally, I request that Experian notify all creditors and credit grantors who have received my credit report in the past six months of the corrected information. 

I have attached the relevant correspondence and documentation to support my complaint, and I request that the CFPB investigate this matter promptly. 

Thank you for your attention to this matter. 

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

I submitted a complaint about XXXX Credit Card and XXXX  XXXX  because ai had paid my card down 2/3 of the balance and today I received an email stating that I had gone over the limit and ai havent used the card ; I called the automated number and my balance is almost paid off, so I paid the entire thing off and will now be cancelling the XXXX card.
Product: Credit reporting or other personal consumer reports

These inquiries do not pertain to me, and I have no association with the creditors listed.
Product: Credit reporting or other personal consumer reports

Remove this Account because the payment history reflects continued reporting a charge off after this Account was closed in XX/XX/year>. 

XXXX XXXX  XXXX That is an improper use of my crdit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint to the Consumer Financial Protection Bureau regarding the handling of my request to block information in my personal credit report due to identity theft. My interactions with Equifax have led me to believe that my rights under the Fair Credit Reporting Act ( FCRA ) have not been adequately respected. I made a request to block specific information on my credit report due to identity theft, citing the relevant case of Engelhardt v. Gravens as grounds to contest the accuracy and validity of the alleged debt. I have not been supplied with proof of this alleged debt, nor therefore any such debt, in face exists, However, Equifax has declined my request based on assumptions of error or misrepresentation without appropriately investigating the matter. As per the doctrine of estoppel by silence, my failure to provide explicit proof does not imply acceptance or acknowledgment of any alleged debt. Despite my efforts to assert my rights and highlight the potential consequences of identity theft on my financial well-being, my concerns have not been addressed appropriately. Under the provisions of FCRA 611 ( a ) ( 7 ), I am hereby requesting a detailed description of the procedure employed by your agency when providing all information to the creditor in connection with the aforementioned dispute. Specifically, pursuant to FCRA 611 ( a ) ( 2 ) ( B ), it is imperative that your agency forwarded all relevant information I provided during the dispute process to the creditor for their thorough investigation. Duty to Investigate : As evident from Anderson v. Equifax, the court emphasized that credit reporting agencies have a duty to thoroughly investigate when consumers dispute items on their credit reports. XXXX XXXX XXXXXXXX XXXX XXXX Account : XXXX, XXXX XXXX XXXX XXXX XXXX Account : XXXX, XXXX XXXX XXXX XXXX XXXX Account : XXXX, XXXX XXXX XXXX XXXX  Account : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX, XXXX Account : XXXX, XXXX  Account : XXXX. I assert that I have NEVER provided any consumer reporting agency with WRITTEN INSTRUCTION to report these specific accounts on my consumer report. This unauthorized inclusion violates my rights as a federally protected consumer. NO CONSENT WAS GRANTED, and the unauthorized reporting of these accounts amounts to identity theft. This duty is essential in ensuring the accuracy and integrity of credit reports and protecting consumers from the harmful consequences of identity theft.