23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Vance & Huffman LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Debt 15 USC 1692g Dear Sir/Madam, I am writing in response to your recent communication regarding the alleged debt referenced. ( Account Number : XXXX ). Please be advised that, in accordance with 15 U.S. Code 1692g, I am formally disputing the validity of this debt.

Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you claim I owe. Therefore, I respectfully request the following : 1. Proof of the debt : A copy of the original contract or agreement, or other documentation showing that I am legally obligated to repay the debt.

2. Account history : A detailed statement showing the amount you are claiming, including any charges, fees, or interest applied.

3. Verification of your authority : Proof that you are authorized to collect on this debt, such as evidence that you are the original creditor or have been assigned the debt.

Please be aware that under 15 U.S. Code 1692g ( b ), your collection efforts must cease until you have provided the requested verification. Additionally, if you fail to validate this debt within 30 days from the receipt of this letter, you are required to cease any further collection activities and remove the information related to this debt from my credit report.

This letter is sent to ensure my rights under the Fair Debt Collection Practices Act are upheld. Kindly acknowledge receipt of this letter and provide the requested information in a timely manner.

If you fail to provide the necessary validation of the debt, I will take appropriate actions to report your violation of the FDCPA to the Federal Trade Commission and the Consumer Financial Protection Bureau.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have received numerous calls from a company called Dynamic Recovery Solutions. Their phone # 's are : XXXX, XXXX,XXXX,XXXX. They say I owe a debt and they want to talk to me. I have NO debt. I believe they are calling on something from a XX/XX/XXXX/XXXX chapter XXXX bankruptcy. I have no idea why now they are calling me now. Everything went through the US Bankruptcy Court as a chapter XXXX, paid to a trustee over a 3 year period. We received a discharge from the court XX/XX/XXXX. I am thinking the debts were sold to a collection company to try to collect them. I really need them to STOP calling me.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

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>
Product: Credit reporting or other personal consumer reports

I contacted Infutor / Verisk Marketing aka XXXX and requested that my record be deleted on XX/XX/2023. My latest report from XXXX XXXX shows that this company is still reporting my information
Product: Credit reporting or other personal consumer reports

Equifax is reporting that I live or reside at multiple addresses. The only address that should be reporting is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I did not grant them permission to utilize my name or address. This is identity theft, defamation of character which is a violation of FREA laws subjething this company to punitive damages. I demand this account be updated.
Product: Student loan

Dear Consumer Financial Protection Bureau, CFPB My name is XXXX XXXX and I am a Federal Student Loan borrower with XXXX XXXX/mohela. I have contacted XXXX and disputed specific ineligible payments XXXX and XXXX and several other random months and they ; XXXX XXXX responded with information that did not relate to the concern as they were transferring my loan to mohela. I am asking you the CFPB to contact XXXX XXXX and mohela and get them to fix the ones that should have been fixed. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Product: Credit card

I opened a fraud claim with the Home Depot credit card trough ( Citibank ). On XX/XX/XXXX  my wallet was stolen at a Costco foods store, this wallet included my Home Depot credit card and California License amongst other cards. I called the police department and got a police report where the officer confirmed by watching the store cameras that my wallet was stolen by 1 individual. 
When I found out that the thief used my Home Depot credit card and ID to but {$1300.00} worth of items at a Home Depot store I called and opened the fraud case. I submitted all information they needed including the police report number, my California ID pictures, dates of the incident etc. They still denied my claim, I re opened it to submit more information and I was denied again for reasons unknow. This is very unfair as I have always paid my bills on time and now they are ruining my credit. They didnt put a credit on my account to avoid any late fees or credit reports wile the investigation was opened. Can you please help me resolve this.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Transunion for failing to comply with the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/scrub> 2024, I mailed a dispute letter to Transunion via USPS certified mail tracking number XXXX, requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report. According to USPS tracking, the letter was delivered to Transunion on XX/XX/scrub> 2024. 
Despite my detailed and clear request, I have not received any investigation results from Transunion. It has now been more than 30 days since my submission, and no communication or resolution has been provided. 
According to the FCRA, credit bureaus must conduct a reasonable reinvestigation when the accuracy or completeness of any item in a consumer 's file is disputed by the consumer. Transunions failure to investigate my dispute violates my consumer rights under the FCRA. 
I am including a copy of my original dispute letter to Transunion and proof of delivery via USPS certified mail as evidence.
Product: Debt collection

Iam not liable for this debt I do not have a contract with Capio Partners and I have no knowledge of this account 2 of these Accounts number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$560.00} past due as of XX/XX/XXXX. 

Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$850.00} past due as of XX/XX/XXXX.
Product: Vehicle loan or lease

On XX/XX/2019, at approximately XXXX XXXX. my husband and I went to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, NJ XXXX to shop for a new vehicle ( XXXX XXXX ) as our lease is ending on our current vehicle ( an XXXX XXXX ). There we were met by XXXX XXXX ( Product Specialist )  and test drove the new vehicle. After deciding to move forward with a new lease, XXXX stepped away to meet with his sales manager, XXXX XXXX. Upon returning, XXXX provided us a monthly payment amount. When we were dissatisfied with the amount XXXX told us that this car wasn't for us because we couldn't afford the payments. Never once did they pull our credit or confirm our income. My husband and I are two highly compensated professionals. At this point, XXXX left and met with XXXX once more. When XXXX returned, XXXX accompanied him. When we met XXXX, he made a comment to us about the way we were dressed and asked if we called one another prior to coordinate. This rude comment was uncalled for, XXXX, and completely out of line and sync with reality. XXXX walked us through the pricing when I told him I had a better deal at another XXXX dealership. He asked to see my personal email from the other dealer. When I refused to show him he stated that it could not have been right - insinuating we were liars. At this point, we had enough and left. 

Approximately 15-20 minutes later XXXX called and continued to try and discuss lease terms. Later that afternoon, we made a complaint through Infiniti 's corporate site and with XXXX XXXX. To exacerbate the situation we reviewed customer comments from others on XXXX and social media - we were shocked that this company has also treated others this way. More so, the others that were treated this way all had ethnic names such as myself. 

Then on Monday, XX/XX/XXXX at approximately XXXX XXXX XXXX XXXX, the general manager, called to discuss what happened. After some discussion I asked him what he planned to do to ease this situation, he said : " I don't think we should do business together. '' After hearing this comment from him, I could no longer engage in hearing someone spew such hatred commentary. 

This company should be held responsible for such behavior - to assume anyone, regardless of race, gender, or sexual orientation can not afford a car is deplorable.
Product: Consumer Loan

XX/XX/XXXX I financed a XXXX XXXX XXXX through Ally. I have attempted to to pay off the note by paying and sending an additional check each month. I have spent more time trying to get them to understand that they are applying the money I send incorrectly. For the past few months I have had a balance of {$52.00}, {$27.00} and {$2.00}. They have taken my payments of {$300.00} of which on {$270.00} is the original note due amount and applied {$270.00} towards finance charges on the total amount due. I have sent a total of {$900.00}. How they can charge me {$100.00} in finance charges on {$2.00} I do not know. I have been on the phone an additional 45 minutes this morning trying to talk to someone who can apply the money I am sending correctly. They continue to tell me that it is a daily interest rate on the balance of the loan. But if I have an invoice that shows that I only owe {$2.00} for the month, how is it legal for them to use the money that is left over for finance charges? I would really appreciate some help with this. I have not been late or missed a payment since the loan originated. In fact I have paid early on over the invoice amount due.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Money transfer, virtual currency, or money service

Despite using Zelle numerous times and reporting discrepancies, my bank, XXXX XXXX, and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The first situation being on XXXX for {$120.00}. I paid for a shipped XXXX XXXX on XXXX XXXX and never received it. The second one being on XXXX I met up with someone to buy a XXXXXXXX XXXX and paid {$270.00}. They handed gave me an empty box and refused to send it back to me while standing right in front of me. On both occasions, I excessively reached out to Zelle, XXXX XXXX, and the recipient. Everything led me back to nothing
Product: Money transfer, virtual currency, or money service

Says that I need to update Wells Fargo security account. I do not have a Wells Fargo account.
Product: Checking or savings account

My father, XXXX XXXX XXXX, owned a CD at Bank of America. The CD was in his name and in the name of " XXXX XXXX XXXX Living Trust. '' XXXX XXXX died XX/XX/XXXX. 

The XXXX XXXX XXXX Living Trust was revoked on XX/XX/XXXX but Dad failed to notify Bank of America of the change. The CD thus remained in the name of the trust upon his death. 

I, XXXX XXXX XXXX, am personal representative and executor of XXXX 's will. 

I first contacted Bank of America on XX/XX/XXXX regarding the CD. Due to a misunderstanding I provided the wrong information at first. But on XX/XX/XXXX I had a conversation with XXXX XXXX in the estate management department of Bank of America who told me what needed to be done. 

I followed XXXX XXXX 's instructions. On XX/XX/XXXX I submitted a notarized Letter of Instruction and Account Closure Request, death certificate, and Letter of Administration of a Small Estate from the XXXX XXXX, MD, Register of Wills to Bank of America. I obtained an EIN and opened a bank account for the estate of my father to receive the check from Bank of America upon closure of the CD account. 

On XX/XX/XXXX I received an email from XXXX XXXX. She informed me that the closeout had been rejected. She said she would make a complaint. I never heard from her again. 

On XX/XX/XXXX I received a phone call from XXXX at XXXX who identified herself as a representative of Bank of America 's estate department. She told me that by the end of the day, or at the latest by Friday, XX/XX/XXXX, she would call back regarding the resolution of the CD account. She never called back. 

I called Bank of America 's estate department today XXXX, ext. XXXX. No one answered. I was on hold for nearly 70 minutes. I hung up. Then I called XXXX at XXXX. She did not answer. I left a message. 

There is no reason for Bank of America to make it so difficult to obtain the funds in my deceased father 's CD. This is NOT Bank of America 's money. It belongs to the heirs of my father. This almost amounts to theft. What I have been through is absurd.
Product: Debt collection

LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Reference # XXXX This company is reporting false information to my credit reports and will not provide the proof in which I have requested. I requested the following information from them and asked them to send the proof to my attorney in which have sent the original creditor a letter of proof. 

A copy of the Purchase Agreement ( NOT A BILL OF SALE ) Agreement that you have authority to collect on this alleged debt.

Agreement that bears signature of the alleged debtors with promise to pay the original creditor Complete payment history on this account, to prove that the amount you wish to collect is correct.

Them seem to ignore all letters from me and my attorney just as XXXX XXXX Did.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and XXXX XXXX is reporting a fraudulent account on my Equifax credit file. I have not applied for any account with XXXX XXXX, nor have I given consent for my personal information to be used to apply for any account. Ive made a written request for XXXX XXXX to provide ALL information pertaining to this account including but not limited to Account applications made on paper, online, or by telephone. ( IP Addresses If applied for online ), Account Statements or Invoices, Records of payment or charge slips, Delivery addresses associated with the account Records of phone numbers used to activate or access the account, Signatures on applications and accounts, List of all purchases, dates, times, and locations, and the full Investigators report on this account. No information has been provided. This account is fraudulent and needs to be removed from my credit file immediately.
Product: Credit card or prepaid card

The account shows that it is late I was 30 days past due. That is incorrect account was fraudulently used and I paid the balance in full once I was aware. The bank said if I pay in full I will not be reported negatively on my credit.
Product: Checking or savings account

Someone used my info to book an extended stay and a room from a XX/XX/XXXX Also I was over charged by XXXX for one price when I was shown another. They refuse to do the proper investigation on this matter
Product: Credit reporting or other personal consumer reports

I have an accurate report on my account and I would like this to be fair and deleted immediately off my account
Product: Debt collection

This account was originated with Santander USA in XXXX. This auto loan became a volunteer repossession in XX/XX/XXXX. The vehicle was sold and a dispute was honored and remaining balance after the sale of the vehicle was made with Santander USA. Santander USA updated my credit report and still reflects {$0.00} as of XX/XX/XXXX. This account was settled and closed out. I am now receiving harassing phone calls from a Debt Agency regarding a balance which has now impacted my credit majorly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing 30 days late as reported in 3 Credit Bureaus. I have read enough to understand my rights. The late history should not be showing late because I think I paid on time. The Bureaus are attempting to violate this clear understanding, please reinvestigate the whole information especially the account status, balance, and comments. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Checking or savings account

Structured settle from US Bank Corp missing never withdrawed money from institution
Product: Debt collection

Over the last several weeks I have received dozens of calls from XXXX, and today the representative from Convergent Outsourcing advised me that they 'd only stop calling if I would provide them the last XXXX digits of my social security number to confirm that I was not their collection target. I ended up providing the information, and they confirmed that I was not the individual they wanted but further told such mistakes " happen. '' I felt as if I were extorted into providing my personal information in order to stop the bothersome calls. It appears as if the business model of Convergent Outsourcing is to call all people with the same, and then by process of elimination hope to eventually find their intended target regardless of how many innocent folks are annoyed with repeated calls in the meantime. This is shameful, and I hope that you can do something about this seemingly abusive practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$430.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than XXXX business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Navient continues to report a false account to my credit bureau. They claim I owed them and was late and that my account was past due. I have never had an account with them and asked. For any and all signed documents or supplemental loan check copies that they rate I borrowed. They we unable to provide this.
Product: Money transfer, virtual currency, or money service

Where do I start! 
I have had a COUNBASE account for trading crypto currency for over a year at first I didnt have a XXXX problem apart from constant fees that I shouldnt be paying! 
But I seem to keep chasing what I was promised in the so called percentages I was being showed I made? 
Once I had that percentage I then had the app tell me I didnt have enough of that coin to move? I had more than enough of any currency I wanted to trade to move my gains to buy another coin to prosper from up and downs in the app.i then found I had thousands of pounds stuck in coins I couldnt move at all! 
Loosing me over XXXX up to date apox if not more. 
I made many contacts to the so called COINBASE Support only to constantly have a robot push me round in circles! 
I have had nothing at all on all my complaints and its made me And people around me XXXX! 
I cant XXXX XXXX  Im having problems with the stress of no control and the loss of thousands and thousands of pounds not forgetting the money I would have and still would be making if allowed to transfer MY Money. 
They froze my account and stopped me moving my money but still let it be traded on a market.This is discusting abuse I feel destroyed inside XXXX and XXXX XXXX .please help me and thousands of other Coinbase customers as Im not alone. 
If my trades where allowed to be done Im shore I would have dibbled my investment if not more. 
We have all and still are being taken for fools. 
There is no support allso all Iv had is there platform trying to put adds on my personal page on face book! XXXX outrages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/delete any accounts listed in ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX Inaccurate Addresses : XXXX XXXXXXXX XXXX, MT XXXX, XXXX XXXX XXXX XXXX, VA XXXX and XXXX XXXX XXXXXXXX XXXX, MT XXXX ; ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I payed off my bestbuy credit card and closed the account after checking to make sure it was payed in full and now they are telling me I owe them money
Product: Credit card or prepaid card

The bank has been lenient on solving my dispute they never asked for additional document but yet said they solved my problem, my claim number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I co signed with primary borrower for a loan I have no access to the loan no sign on information has been provided no statements nothing has been given to me I used the primary signers information to sign in and the loan has been merged with another loan... .I NEVER AGREED to sign for this amount see attached letters and screen shots