23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received and requested the following in reference to Acct # : XXXX Amount in dispute : {$2000.00} XXXX formally dispute the alleged debt referenced above, which your agency claims I owe. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), In pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ) I request that you provide me with the following information to validate this debt : 1.The amount of the debt : Please provide a complete and detailed account of the amount you claim I owe, including any interest, fees, or other charges that have been added to the original debt.

2.The name of the original creditor : Please provide the full name and address of the original creditor to whom this debt is owed.

Verification of the debt : Please provide documentation that proves I am indeed responsible for this debt, including any signed agreements, contracts, or other proof of the obligation.

3.A detailed history of the account : Please provide a complete account history, including the original balance, any payments made, any fees or interest added, and the dates of these transactions.

4.Copy of the agreement : Kindly provide a copy of the signed contract or agreement that demonstrates my obligation to pay this debt.

5.Documentation on your licensing : Please furnish me with your agencys licensing information, as required by state and federal laws.

Please note that under the FDCPA, you are required to provide the requested validation within 30 days of receiving this letter. If you fail to do so, I expect that this debt will be removed from my credit report and that no further collection attempts will be made. 
Thank you for your prompt attention to this matter.
Product: Checking or savings account

Hi : There have been multiple incidences, beyond what will be explained this complaint. In which Citigroup, has failed to provide adequate customer service. There are visits to local branches in XXXX including XXXX and XXXX XXXX XXXX XXXX, that abuse federal consumer rights laws. 

Citigroup, failed to honor the verbal agreement, to return the original payment XXXX for a carrier locked ( XXXX phone ) purchased online XXXX XXXX. Citi agreed to return all funds, based upon submitting the required documents. Thus, including a receipt with original purchase date. The required documents were submitted thru usps and were delivered. Citi revoked the arrangement without notification and deducted the XXXX, during the XXXX holiday season and demanded the documents be re-submitted or no refund.. 

Here is the usps tracking number:XXXX ... Citi Case : XXXX The original seller was contacted in additional to XXXX and XXXX, in every effort to return the phone and receive a conclude the dispute XXXX, citi and XXXX were contacted individually.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 60 days later and I have not yet received a response. I feel as if I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) of the Fair Credit Reporting Act states that a failure to investigate these items within 30 days provides a reason to immediately remove those items from my credit report it has been over 60 days as a result they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Mortgage

We started for Forbearance process in XXXX of XXXX. Mr. Cooper did not start the process till XXXX which caused us default loan by 30 days. The era was on Mr. Cooper 's side they have repeatedly told us they would fix it and take off the 30 days late and they have not done that to date.
Product: Checking or savings account

On the date of XX/XX/year>. I deposit {$1200.00} ( Which were XXXX bills of a XXXX bill ). On that date I received a receipt saying I deposit {$1200.00} but in my account it shows nothing was deposited. I later asked for the footage from the ATM which clearly shows me depositing a pack or stack of {$20.00} dollar bills. They have accepted that I have deposited that amount but the bank does NOT want to accept that I did deposit that amount. so to this date they do not want to return the {$1200.00}.
Product: Credit reporting or other personal consumer reports

hello back on XX/XX/23 a letter was sent to Experian disputing some information reporting to my credit that is not accurate. I have also not received any correspondance on them processing my request. I wish to have my voice heard please adv them that they are required to.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the inaccurate items in my file that resulted from problems caused by inaccurate credit information, but I still have ITEMS left that needed to be removed. This is my new attempt to dispute an inquiry in my credit file which resulted from an incorrect credit report details. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX -- -- -- -- EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX -- -- -- -- XXXX XXXX XXXX XXXX WY XXXX XXXX, CA XXXX. 
XXXX XXXX  XX/XX/XXXX. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an incorrect credit report details. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting or other personal consumer reports

Information has been sent certified mail. 
I, XXXX XXXX assert my rights under the FDCPA and FCRA. My privacy, protected by 15 USC 1681 ( a ) ( 4 ), has been violated without my authorization as required by 15 U.S.C 1681 ( 2 ). My credit card, as defined in 15 U.S.C 1602, was used without consent. Under 15 U.S.C 1681s.your organization must act. The credit bureaus have failed to maintain accurate data. Due to erroneous information and data breach, I filed an identity theft report as per 15 U.S.C 1681 c-2 ( e ), these inaccuracies must be removed within 4 days. Unauthorized use of my credit card, violating 15 U.S.C 1602, provides me no benefit under 15 U.S.C 1681s.
Product: Debt collection

I was contacted by a Company known as XXXX XXXX XXXX in the month of XXXX XXXX regarding a purported debt. I responded to XXXX XXXX via the CFPB portal requesting for a validation of debt according to the CFRA guideline. I did not receive a response from XXXX XXXX  instead, a Company known as First Financial Asset Management Inc sent me a vague letter and statement. I have no understanding of the reason why I was contacted by FFAM. I view this a misrepresentation and illegal tactic since I have never been contacted by them and oblivious to their interest in my response for validation to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
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
Product: Checking or savings account

Received email stating an account was opened with my name and email address with bank of america
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file:XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$830.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXX  XXXX Unpaid Balance {$830.00} ; XXXX XXXX XXXX : {$150.00} ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023.
Product: Mortgage

Wells Fargo Mortgage lending financial institution offered me a pre-qualified lower interest home refinance loan for a current mortgage home loan I had with Wells Fargo since XXXX 2010. As result I applied for the home refinance loan since it would give me {$35000.00} in interest savings over the remaining life of the loan compared to the current interest rate I have on my existing loan. Once the application process started I provided Wells Fargo with every individual piece of financial information required to support my application, such as, 401K account statements, paystubs, and paid {$550.00} to obtain appraisal on my current home. Although all of my financial information support my worthiness for a loan and my current home appraised value is {$200000.00} more than what I owe Wells Fargo the bank refused to extend me the loan. Wells Fargo reason for not extending the loan is that while appraising the home the first time the assessor noted that the home was being upgraded with hardwood floors and therefore another appraisal is required? I asked Wells Fargo to pay for the second appraisal since it was their mistake for not asking me if the house was having upgrades during the time of the appraisal and I do not have the financial means to pay for a second appraisal. I attempted to speak with Wells Fargo on the phone however they hang up the phone on me? I also sent emails to the supervisor overseeing the file and no response was ever received from them? Lastly I learn that my loan application was denied??
Product: Credit reporting, credit repair services, or other personal consumer reports

I am frustrated to see the Credit Bureaus do nothing about my requests for the removal of the fraudulent items from my Credit File. I am submitting this complaint to do another request and have the items that resulted from the theft of my Identity be deleted from my Credit file. The Credit Bureaus are given ample amount of time, to conduct a proper verification and provide proof that the items are indeed mine, by the FCRA regulations and yet they have failed to comply with the Federal law. Let me remind the Credit Bureaus that they are required to comply with the FCRA section 605 and remove the following fraudulent items completely from my Credit File with or without proper investigation since the time allotted for them to investigate is already over. Pursuant of the FCRA regulations, I am urging the Credit Bureaus to delete the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

In XX/XX/XXXX, my debit card information ( not the card itself ) was used fraudulently for 3 transactions against my checking account. Bank of America ( BOA ) notified me of the suspicious transactions, and I confirmed that I did not authorize/make any of them. 

BOA was able to outright deny one of the charges and then issued a temporary credit to my checking account for the other two. After some time, BOA credited my account for one of the two charges, but the other remained unpaid. After review, BOA determined that the 3rd transaction was valid and removed the funds from my account - {$600.00}. I called BOA and had them reopen the case for another review, since the charge was indeed fraudulent. In XXXX, BOA closed the case again, saying that the charge was valid. I called again to have them reopen the claim and sent in a copy of the police report that I filed back on the date the charges were made. 

The only reason I have been given for the denial is that my PIN was used for this transaction. ( I had my debit card in my possession and have never given out my PIN, so I am not sure how someone would get this information, except through a skimming device. ) The reason for denial is not make since, because the 2nd transaction ( a {$300.00} withdrawal from an ATM ) would have also required a PIN, and this was determined by BOA to be a fraudulent transaction. They have already refunded this amount to my account. 

It is important to note that both the {$600.00} and {$300.00} transactions took place only minutes apart from each other, in the same grocery store, in a town I don't live in - Just more proof that both transactions were fraudulent. 

I have made MANY calls to BOA to check on the status of this claim, since it opened in XX/XX/XXXX. Each time I call, I have to repeat my story from the beginning and am assured by the representative that they will assist me to resolve the situation, but as of XX/XX/XXXX, they have still not resolved the claim and refunded my account. This is a clear-cut case of fraud, but BOA seems to be waiting for me to give up the fight and appears to have no interest in looking at the actual circumstances of these charges, which obviously point to fraud. 

I would appreciate any help/advice you can offer in this situation. In the meantime, I will continue to check in often with BOA to see if any actual progress has been made. 

Thank you!
Product: Debt collection

Recently, I disputed an account that is being listed on my credit reports by LVNV Funding LLC. The results of the dispute came back as verified and accurate. Thus, I wrote a letter to LVNV asking them to provide me with proof of contract and full accounting for the amount claimed to be owed. It has been over 30 days and I have not received a response to my letter.
Product: Payday loan, title loan, or personal loan

I was paying on this loan ever month and then 3 or 4 months in they tried saying I was skipping payments witch I was not doing I need this removed from my creadit as they are XXXX  and stole my money
Product: Credit card or prepaid card

I applied for a Capital One Quick Silver Credit card on XX/XX/2022 through XXXX XXXX. On XX/XX/2022, I received an email that said Congratulations and welcome to the family. I was asked to upload my photo id and Social security card. I did so. On XX/XX/2022 I received an email that my credit card was approved and being shipped by XX/XX/2022. I them click on the Create an Online Profile to setup my payment options and was unsuccessful. I them call Customer Support and I was then transferred to the fraud department. While speaking with the representative she stated that my account was being closed due to potential fraud. My last 3 of my Social security number did not match. Also my credit report should not been affect because the social security number belongs to someone else. I called numerous times to resolve this matter and was unsuccessful. I also called XXXX who will not dispute anything on my behalf. My score was dropped by XXXX points.
Product: Money transfer, virtual currency, or money service

Hi my name is XXXX XXXX I am the owner of my Venmo acct, with routing number:XXXX ; an account number : XXXX acct My account was frozen for zero reason an no explanation given. I tried calling, emailing, ect .... Still no REASON as to why my funds are frozen. I been a member over a year with averified account, an then this happens.
Product: Vehicle loan or lease

There was an issue on my credit report with a fraudulent and unauthorized inquiry that had been on my credit report. The issue began on XXXX XXXX with an unauthorized inquiry for a vehicle loan with XXXX XXXX XXXX . Despite my efforts to resolve the situation directly with the company, as well as the reporting credit bureaus ( XXXX ), including steps taken such as phone calls and informing them of the identity theft report I submitted with the FTC, and letters mailed, I have not been able to reach a satisfactory resolution. 
I am requesting that the Consumer Financial Protection Bureau intervene and assist me in resolving this matter. Specifically, I would like this fraudulent unauthorized inquiry removed from my credit reports immediately. 
Thank you for your time and attention to this matter. I look forward to your assistance in helping to resolve this issue promptly. 
Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Dear Consumer Reporting Agency, I am writing to inform you that I recently received my credit report and found inaccurate information on it. I believe that this violates the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681 and 15 USC 1681b.

According to 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies are only permitted to furnish a consumer report based on the written instructions of the consumer. As I did not provide written instructions to include the accounts listed below on my report, they should be removed. REMOVE TRANSACTION HISTORY this is not a dispute, it is written instruction. please update immediately. if there is consumer debt for XXXX XXXX XXXX, please send 1099c, it is illegaly to charge off an account and report monthly payments XXXX XXXX XXXX XXXX, Experian XXXXXXXX XXXX XXXXXXXX, Experian XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Experian XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX, Experian XXXX XXXXXXXX XXXX XXXXXXXX, Experian XXXX XXXX XXXX XXXX, XXXX, Experian XXXX XXXX XXXXXXXX, Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian Furthermore, as a consumer, I demand that the utilization for the above accounts be updated to 5 % or below, or alternatively, that all utilization information be deleted due to inconsistencies across the board. I would appreciate a copy of my updated consumer report once the changes have been made. 

Please be aware that if you fail to respond satisfactorily and remove the negative account information, I may take legal action against your company for FCRA violations, which includes civil liability and financial penalties. 

Please note that due to my current physical situation, which is the result of a prolonged XXXX sickness, I am unable to communicate by phone. Therefore, I request that we handle this matter electronically and through email. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

This account has violated my rights ; Validate Account XXXX XXXX XXXX XXXX 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.

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  - XXXX XXXX XXXX  XXXX. 

Equifax and XXXX are providing mortgage lenders reports using the older version of the mortgage fico score, resulting in the denial of mortgage opportunities to XXXX. Equifax is using Fico Score XXXX, XXXX  XXXX XXXX XXXX, and XXXX  XXXX Score XXXX. In mortgage lending the lender is looking for three scores, however, I think that looking at three scores that are coming from three different algorithms is not fair to the consumer. Equifax and XXXX prefer to use these older versions to deny access to minorities with lower credit scores the American dream of homeownership. This behavior and practice are unacceptable.
Product: Credit reporting or other personal consumer reports

Was told this inquiry was going to be a soft pull and not a Hardpull Im in the process of restoring and fixing my credit