23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention
Product: Credit card

On XX/XX/XXXX, I received an email from Chase Bank saying they received my application for a Chase Sapphire Credit card. I did NOT apply for this card. I did not click on any links, I simply deleted the email and contacted Chase to ensure the application was canceled.
Product: Debt collection

today, XX/XX/XXXX/17, XXXX XXXX called my cell phone, then my job, once asking for me, then called back again asking for my supervisor. I informed him not to call my job again the first call. He has threaten to send me something to come to court.
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 XXXX and Transunion credit bureaus must validate this account in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Date XXXX Balance : {$430.00}
Product: Credit reporting or other personal consumer reports

I am formally requesting a correction to my credit report regarding my student loan with the XXXX  XXXX XXXX XXXX Experian is inaccurately reporting this account as open with a balance of {$76000.00}, while both XXXX and XXXX correctly reflect it as fully paid and closed. 

As my student loans have been completely paid off, I request that Experian update my credit report to reflect the correct status. Enclosed are supporting documents verifying full payment. Please investigate this matter and provide written confirmation once the correction has been made.
Product: Credit reporting or other personal consumer reports

In early XXXX I requested that this company provide verification from the court and removal of XXXX accounts from my report. The company has inaccurate information on my report still not provided any information from this request. According to them they are still investigating.
Product: Vehicle loan or lease

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX and XXXX of this year I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Debt collection

On XX/XX/XXXX, my spouse and I certified mailed a proof of mailing and information request to USAA FEDERAL SAVINGS BANK. The communication was received on XX/XX/XXXX. Attached is the communication and proof of delivery. 

The communication simply requested information in regards to a consumer credit transaction that we entered into with USAA FEDERAL SAVINGS BANK on or around XX/XX/XXXX with the account # : XXXX. We requested to see a copy of the consumer credit contract, copy of the arbitration agreement if any, copy of any other documents on file bearing our signatures, the accounting for the account reflecting payments, credits and adjustments, and a clarifying statement of USAA FEDERAL SAVINGS BANKs role in this transaction. 

It has been over a month and we have yet to receive any information in regards to this request for information. It is our belief that USAA FEDERAL SAVINGS BANK does not have the original contract that bears our wet signatures. Therefore we would have no alleged obligation to pay an alleged debt owed to USAA FEDERAL SAVINGS BANK as there is no evidence of indebtedness. 

We also believe that the consumer credit contract is an instrument which evidences or embodies a debt. Our indorsement on the consumer credit contract is evidence of a debt. The consumer credit contract is a financial asset because the contract is an instrument that conveys to one entity a contractual right to receive cash or another financial instrument from another entity. We gave USAA FEDERAL SAVINGS BANK a financial asset that the INTERNAL REVENUE SERVICE ( IRS ) deems as payment. Therefore, our indorsement on the consumer credit contract fulfilled our legal obligation to pay. Lack of proper and full disclosures led us to improperly transfer funds electronically using our personal debit information that has caused us financial injury.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> i notified the legal department of generations federal credit union opting out of any and all authorization related to the sharing, reporting, or disclosure of my personal or financial information to any and all credit reporting agencies and/or third parties.as a federally protected consume i exercise my right to privacy under applicable federal statues.
Product: Money transfer, virtual currency, or money service

I sent my landlord {$XXXX} thru zelle for rent. It went to the wrong place, I have no idea where the money went. The bank will not help me with this problem.
Product: Money transfer, virtual currency, or money service

Hello, I had a demand draft issues by the HSBC XXXX XXXX XXXX branch in XXXX, XXXX on XX/XX/XXXX of 2021. The demand draft was issued in the amount of XXXX USD to HSBC Bank USA, N.A. New York. I deposited the draft in my XXXX XXXX checking account, but it was returned due to lack of funds via HSBC NY. 

HSBC XXXX informed me that the money was correctly sent to HSBC NY. HSBC NY informed me that they were unable to assist me as I only have an account with HSBC XXXX. I am unable to get a customer service representative 's help. My money appears to have disappeared within HSBC 's system and no one will tell me why.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Citi Bank CBNA Account from Credit Report Dear XXXX, I am writing to formally dispute the inclusion of the Citi Bank CBNA credit card account on my credit report. I assert that the reporting of this account is both unauthorized and inaccurate, as I never consented to its inclusion. Under the provisions of federal law, specifically 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) and 15 U.S.C. 1681a ( Fair Credit Reporting Act ), I am entitled to control the dissemination and reporting of my financial information.

Legal Basis for My Dispute 15 U.S.C. 6802 provides consumers with the right to control the sharing of their personal financial information.

15 U.S.C. 1681a establishes the foundational definitions and rights regarding consumer reporting and mandates that credit bureaus ensure the accuracy and authorization of reported information.

As a consumer aware of my rights under these statutes, I am invoking them to demand the immediate removal of the Citi Bank CBNA account from my credit report. At no point did I provide authorization for this account to be reported, as is my right under the aforementioned laws. 

Identity Theft Report and Failure to Comply In addition, I previously notified XXXX that I am a victim of identity theft and provided an identity theft report to support my claim. Pursuant to 15 U.S.C. 1681c-2, credit reporting agencies are required to block the reporting of information resulting from identity theft within four business days of receiving adequate documentation. Despite my compliance with these requirements, you have failed to act in accordance with the law. 

Request for Verification and Validation I also requested that you provide : Method of Verification : Proof of how you verified the accuracy of the Citi Bank CBNA account. To date, you have not provided this information, which is a violation of consumer law.

Debt Validation Letter : Documentation proving that this debt belongs to me. Failure to provide such documentation necessitates the removal of this account from my credit report, as outlined under 15 U.S.C. 1692g.

Demand for Immediate Action Given your failure to provide the requested information and comply with federal laws, I demand the following : Immediate removal of the Citi Bank CBNA account from my credit report.

Written confirmation that this account has been deleted.

Assurance that this unauthorized reporting will not reappear on my credit report.

Potential Legal Recourse Continued reporting of this account constitutes a violation of my rights under federal law, for which I am prepared to seek damages in a court of law. This includes any emotional distress, reputational harm, and financial loss incurred as a result of your non-compliance. 

I trust that you will take this matter seriously and act in accordance with the law. Please provide a response within 15 days from the date of this letter. Failure to comply will leave me with no choice but to escalate this matter further. 

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

I need the company to send me the original contract with all my information and signature because I not only don't owe XXXX, I have never heard or been contacted by this company. I have never had a debt with this creditor or the collector and I request this to be removed immediately before I take legal action as a collection is being reported illegally on my report.
Product: Debt collection

This bill trying to be collected from Kingston XXXX and XXXX international was originally from a membership at anytime fitness which the account should have been closed. The {$1000.00} debt is fraud and a scam to garnish my wages and take me to court. I have given my phone number and email which I have not received a reply. My phone number is XXXX and my mailing address is XXXX XXXX XXXXXXXX any other addresses or forms of contact are FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A states that 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against XXXX for failing to conduct proper investigations into disputes regarding inaccuracies in my credit report. Despite providing all necessary documentation, XXXX consistently concludes within 24 hours that the account is accurate, without offering any evidence of a thorough investigation.

This practice directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct reasonable investigations into consumer disputes. Additionally, XXXX 's actions may breach the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as underscored in the recent administrative proceeding against the company ( XXXX XXXX. XXXX ) for similar violations. 

I respectfully urge the CFPB to take appropriate action to ensure XXXX complies with federal law and provides consumers with clear evidence of the investigations they are required to perform. Consumers deserve accountability and transparency in the handling of their credit disputes. 

Here are the inaccurate accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to XXXX, XXXX, and Equifax. As of today, over 45 days later, I still have not received any response from those disputes. I feel as if I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called dont think understood wanted chapter XXXX bankruptcy off report incorrect was dismissed and XXXX wrong court dates and attorney dont know how verified
Product: Money transfer, virtual currency, or money service

On CashApp, someone sent themselves {$160.00} dollars with my debit card. They stole XXXX dollars from me
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Is doing so many illegal credit policies They have changed payment history of XXXX XXXX  in my credit report 3 times in less than one month Not even sending me a single letter of what is going on and always lying that this information came from the furnisher and affecting my credit report with inaccurate information This account is over 2 years old how is keep changing in less than one month 3 times This is bull. This a very ruthless action
Product: Credit card

I have two issues with Capital one. About a year and a half ago I had a hardship. I was a couple months behind on my payment. I have since got caught up. I have not missed a payment in over a year nor been late. This company promised to remove the late payments made two times on a recorded call. They did not honor their word. I called yesterday and requested an extinction do to hurricane XXXX. They were questioning me about what happened. I told them I am okay I did n't loose my house, although I have n't received my paycheck do to power outages and banks being down. I asked them to XXXX me until next week. The supervisor did n't care. He said NO sorry you have to pay your bill by XXXX/XXXX/XXXX. I do not feel either is correct. I have disputed the late payments with all major credit bureaus two times. I explained that to this supervisor. He said we do not do courtesy reporting as it is illegal. I explained to him the other two supervisors should n't have stated that as that is illegal to tell someone you will do something in regards to a hardship then go back on your word as that is discriminating. They are also charging me two interest fees, one for cash advance, and one for regular credit. I do not know if that is correct although I do pay my bills. They said I will continue to pay an extra interest on that cash advance until the card is completely paid off, I did the cash advance in XXXX. Please keep in mind I have n't missed a payment since my hardship. 

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

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : XXXX XXXX XXXX DOB : XXXX XXXX XXXX Re : Disputing Inaccuracies on My Credit Report TransUnion XXXX XXXX XXXX XXXX, IL XXXX OR XXXX XXXX XXXX XXXX, PA XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX for five years and I have never lived in these addresses reported on my FICO report. Please consider this a formal request to investigate and correct the following ( 6 ) inaccurate addresses on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. The following addresses listed below : XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I sent out certified letters XXXX XXXX, XXXX to each of these companies below to verify that it was in fact me who made these inquiries with verified proof. They neglected to respond and now you are at fault on reporting this unverifiable information. You are required by a Federal law to remove them from my credit report. These are the inquiries in question : Name of Company Date of Inquiry Type of Business XXXX. XXXX/XXXX/XXXX XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX The failure on their behalf to provide a copy of any alleged contract or other instruments bearing my signature gives me no choice but to pursue this matter in the court system. 
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear at the XXXX XXXX XXXX, FL Courthouse in order to defend yourself.
Product: Debt collection

After carefully checking my credit report, I noticed several accounts that I believe were wrongly added without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint because NELNET has acquired my student loans without proper consent and they are also reporting inaccurate unfair information on my consumer report. I have never done any business with this organization and they haven't provided me with the proper documentation verifying I went into a contract with them, yet they are reporting late payments on my consumer report. This is unfair and a violation of 15 USC 1681 of the FCRA.

I am aware that this organization has assumed this role and I am also aware that 15 USC 1681 states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
This company has acted unfairly and also has violated my right to privacy by acquiring my personal information and also sharing it with 3rd party organizations without my written consent. 
The late payments that this company have furnished are inaccurate because I was a XXXX XXXX XXXX at the XXXX  XXXX XXXX at that period of time and students aren't required to make payments while they are still attending school I simply want these late payments deleted because they are unfair and haven't been verified. 
I am hereby requesting my investigative consumer report to show valid proof that this account is being reported accurately. 
Keep in mind under the FCRA 15 USC 1681d- ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Product: Checking or savings account

I opened my account. A couple weeks later, I get a letter saying the bank needs to verify my physical address. Ok no problem. Before the deadline on the letter, I go to a branch as the letter instructed me to do. I show them proof of physical address. They tell me it's all taken care of. They even let me set up my pin for my debit card.

A few days later, I find can't access my account. I call and they tell me it's closed because I didn't update my address. Two weeks later, I still don't have my money. There was over {$900.00} in that account. I've incurred late fees on multiple bills. My landlord is going to evict me yet they don't care.

I've called customer service. I've called the executive offices. No one I get on the phone knows anything. They transfer me to a supervisor who never calls back.

I thought Wells Fargo was ( in ) famous for opening accounts not closing them.
Product: Money transfer, virtual currency, or money service

On XXXX, Venmo unexpectedly suspended my personal use account. I never received an email that is supposed to correct the issue. The next day, I called staff and was told they could not resolve the issue. Additionally, I was told : - They could not explain why the suspension occurred - It would take at minimum 5-7 business days to perform a review- I could not speak to the team in charge of account reviews ( they only operate via email ) - To look for an email to correct the issue ( as of XXXX at XXXX XXXX  est, I have not received this email either ) - When I asked to speak with escalated care, the company put me on hold with no updates on the wait time. It leads me to believe the company had no intention of escalating the matter and is leaving me on hold until I get tired and hang up. 

After 45 minutes of being on hold, I opted to file claims with Consumer Finance as well as the XXXX XXXX XXXX