23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) 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 Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

Date of Contact : XX/XX/year> Method of Contact : Certified Letter ( Tracking Number : XXXX ) Content of Letter : I detailed my disputes regarding the repossession of my vehicle, including lack of proper notice, breach of the peace, and concerns about the improper sale or disposition. I also requested the cessation of further collection efforts until a thorough investigation was conducted and resolution steps were taken. 
Proof of Delivery : The certified letter was signed for on XX/XX/year> ( Proof of signature attached ). 
Response from Santander Consumer USA : None received to date. 


Date of Contact : XX/XX/year> at XXXX am Method of Contact : Email to XXXX Content of Letter : Recap of my XX/XX/year> communication attached proof of delivery. Requested the above information again. 
Response from Santander Consumer USA : Delivery confirmed ; Email was deleted without being read Date of Contact : XX/XX/year> at XXXX am Method of Contact : Email to XXXX Content of Letter : Recap of my XX/XX/year> communication attached proof of delivery. Requested the above information again. 
Response from Santander Consumer USA : Delivery confirmed ; None received to date.
Product: Credit card or prepaid card

On XX/XX/XXXX there was a credit inquiry done on XXXX by XXXX XXXX and this is fraudulent. I never applied for a loan or a credit card. 

On XX/XX/XXXX there was a credit inquiry done on XXXX by Barclays Bank of Delaware. I never applied for a loan or a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I started getting e-mails and phone calls from a company called Affirm. I spoke several times with representatives and managers and each time they told me I had an account, however when they tried to guide me to this " said account '' through their website I would receive a return e-mail with someone else 's name on it and it would state that no account exists. The manager then referred the problem to their research group who replied in an e-mail that I had no account with them and that my credit would not be affected. They continued to call and I spoke again with a manager who referred my " said account '' to their research team again and AGAIN I received an e-mail stating I had no account and that my credit would not be affected. I don't know how cut and dry this needs to be to see that this is in error and I want it OFF of my credit report! I submitted the e-mails and screenshots to XXXX showing the responses from my e-mail with a different name than mine. I need this fixed! I have been working very hard on improving my credit and for a company to just add this to my name is insanity and for XXXX to go along with it is beyond comprehension. There is no account and I have NO documentation, NONE but just their word I owe this. I can't even see what it is for and they have not told me what it is for as I don't have an account so they can verify my INFORMATION!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm relocating to XXXX  and looking to purchasing a condo. I checked my credit score just to see whats was on my report because I haven't checked it in e. minute. While checking my report I saw items that are not mine. These items need to be deleted from my credit report XXXX, XXXX XXXX, XXXX/DOFED. There are some inquiries on there thats not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX. I have contacted the FTC and local police.
Product: Checking or savings account

Successfully withdrew {$300.00} from ATM on XX/XX/year>. Tried to withdraw another {$300.00} right away however ATM rebooted, gave me a receipt but didn't give out the cash. ATM debited a second {$300.00} from my account but it failed to provide the money. I only got the cash for the first {$300.00} transaction. 

I called ATM company right away but they told me to call the bank. I called the bank but they asked me to call back next day. Called next day and submitted a dispute. 

Received an email on XX/XX/XXXX that they are declining my dispute. I called same day to appeal and request evidence of their investigation, was told they would submit my request but I never heard back. 

I never got the second {$300.00} and bank is refusing to provide me the money back and has failed to provide documentation as evidence as to why they are declining my dispute.
Product: Credit reporting

Experian provided wrong information on my credit report yet again. I never had any collections and/or late payments on any of my accounts. According to most recent Experian report that was provided by a credit reporting company after last dispute with XXXX was initiated I have late payments on the accounts with XXXX and Child support enforcement. I do n't have and never had any late payments on any of my accounts, nor have the knowledge of them. 
I respectfully request your assistance in removing incorrect information from my account and updating my credit score.
Product: Credit reporting or other personal consumer reports

In Accordance with the fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to Privacy 15 USC 1681 Section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit reports from all three agencies. There are numerous and excessive inquiries showing, of which I know are not mine. I only applied for a vehicle loan last XXXX. The inquiries are excessive and taken without my permission. I am requesting all but the XXXX XXXX vehicle loan inquiries removed.
Product: Debt collection

I spoke with XXXX. XXXX on XX/XX/XXXX concerning the alleged debt from XXXX XXXX XXXX. I gave the rep. my contact information home address and confirmed phone # and expressed my concern over the debt and asked for proof. Rent Recover XXXX XXXX XXXX continued to pursue operation as if they had not reached me by calling my job XX/XX/XXXX and parents home upsetting my elderly parents with a request that had been addressed. The name of the company a lone " Rent Recover XXXX XXXX XXXX, XXXX I feel likes violates by privacy when calling my place of employment
Product: Mortgage

I would like to submit this complaint on the Mortgage lender USAA. I was preapproved for a home loan and this company end up denying the loan 2 weeks after my deadline to have final approval. The company was aware of every deadline I had but disregarded my several attempts to make them aware that we needed a decision by a certain date ( or I would lose XXXX of my earnest money ) and I spent over XXXX in inspection fees, appraisal feees, etc. The companies major problem came from giving me 2 loan officers to work with then gave 4 different loan processors to work with.Having all these different people caused an issue because we could never get any thing accomplished in timely manner and they would repeatably as me for duplicate information. Additionally, ever person they assigned to handle my loan would literally work once or twice a week then have an " out of office '' notification set up if you tried to contact them.They kept asking me for several documents that I would provide with in an hour of them asking for them, then they would take a 1 week or longer to update me on anything so in the end they caused me to loss my money, future home, and wasted the sellers time. There final decision was that the loan was denied because my DTI was 45 % and I needed 43 % to qualify which didn't make sense because we went over this when I was preapproved plus if that was going to be the case ... why take so long to tell me this information ( USAA knew my earnest money was on the line ) So to be exact there incompetence cause me to loss over  3k and not close on my house. As an XXXX American veteran I just believe this company is a disgrace and should not state the claim as being supportive of veterans.Thank you for your time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacyand confidentiality under 15 USC 1681. XXXX XXXX XXXX : account # XXXX, XXXX : Account # XXXX, XXXX : account # XXXX, has violated my rights. 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. I demand deletion immediately.
Product: Vehicle loan or lease

I was waiting to get paid to pay my car payment, the company called I gave them a date to paid the rep I spoke was so rude says you need to think of something we need payment now, I advised needs 7 more days to make a payment, the rep says the vehicle is out for repossession by the rep telling me that I did not want to make a payment, so 1month later after that my vehicle was repossessed. The reps does not the the right to talk you a paying customer that way!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to claim this card is mine and I have stated that it is not. I have asked for file information that verifies this information and they have not provided it. They only send their generic card agreement and credit card statements. This is apparently fraud and they won't remove the account nor send me a full file disclosure showing how this account was opened and verified. This is a violation of my consumer rights. 15 USC 1681 g ( a ) 1. 15 USC 1681 ( a ) 1. 15 USC 1681 ( a ) D ( 2 ) ( a ) ( i ) My id is attached so don't say as you have in the past that is not me and you can't identify me. It's a stall tactic that you criminally use.
Product: Debt collection

XXXX illegally obtained my information from capital one without my written consent or permission. this is a violation of 15 USC 1681n. Please remove this account asap.
Product: Checking or savings account

Due to a glitch on the Chase mobile online account app, my money got sent to the wrong recipient via XXXX. This happened on XX/XX/XXXX. After this happened, I contacted Chase immediately, they opened an investigation and closed my case in less than 7 days stating they won't help me. XXXX customer service and claims department has been very unethical and I would like a refund of my {$35.00} that was taken from my account unwillingly and without my authorization. The claim reference number is XXXX.
Product: Debt collection

I settled my account for {$420.00} dollars with debt company Monarch Recovery Management , Inc ( Account # XXXX ), however, they returned the payment as the original creditor is only accepting {$550.00} dollars. The settlement offer of {$420.00} was offerred in a letter I received by mail from Monarch. 

Can they do that, offer and accept a settlement and then refuse it and ask for more?
Product: Debt collection

XX/XX/year> they send me letters stating failure to comply with suspena will led to XXXX XXXX XXXX 

They garnished wages. XXXX XXXX has been take out XXXX till today. Total amount paid has been XXXX. Now on Friday XXXX XXXX the placed a bank levy on my account. For the amount of XXXX. XXXX XXXX Has been emailed and contacted, well XXXX, midland about this matter they are not doing anything. Coming Thursday this will take my money and moving forward court hearing is until XX/XX/XXXX. I have severe medical issues have also lost XXXX days of work due to failure to pay auto insurance. I have XXXX dollars until the XXXX. Also midland place private information regarding my job on this website make all aware of where I work.
Product: Payday loan, title loan, personal loan, or advance loan

I took out this loan because I have been struggling financially due to medical bills, but I was perplexed about all of the fees due to the medications that I am on. I didn't realize that my income had dropped by {$2500.00} a month because a contract had ended. I only noticed it because I had my bank point it out to me. I'm XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, and more. We are in the process of figuring out what is the best move because I get confused very easily. I feel like I was taken advantage of.
Product: Checking or savings account

I have multiple accounts with Bank of America and they debt one of my account for my credit card without my authorization.
Product: Mortgage

I have been trying to get a modication for over a year with Loancare , LLC. The XXXX XXXX XXXX XXXX ( XXXX ) has been relentless in submitting all the necessary documents repeatedly. Some documents were submitted up to five times ( the same documents ) only to get turned down four times for no apparent reason. I am in need of assistance in saving my house. Thank you for your favorable response.
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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX Balance {$260.00} XXXX XXXX XXXX XXXX  Balance : {$2800.00} XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$720.00} XXXX XXXX XXXX Balance XXXX {$470.00} XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Checking or savings account

So recently my citizens bank mobile banking app was hacked into and a check was deposited for {$7800.00}, that was later returned because this was not me and the funds were insufficient. Then XXXX $ was transferred to someone named XXXX XXXX through the XXXX on my mobile banking. Then my XXXX  XXXX  was hacked because 4 separate transactions of XXXX $ were added to my XXXX XXXX and then sent out in 4 different payments to some one named XXXX. This was not me and Ive been telling this to my bank but the fraud claim got denied twice. I tried to contact XXXX XXXX  and they said that they will help in any investigation through XXXX XXXX my bank is now calling me asking for XXXX. I am a student in college and this was a students checking account so i dont know how its even possible for my account to go negative if all I had in it the day before was a few dollars. I need serious help as soon as possible because the collection agency keeps calling me and I dont have the money to pay this and Im also obviously not going to pay for something that wasnt me.
Product: Credit reporting or other personal consumer reports

I have inquires that do not belong to me on my credit report they are due to fraud. 

I have contacted Equifax on numerous occasions by mail and by phone they have not responded to me I have proof of certified letters I have sent without any response. 

Please provide the procedure done and who you spoken to in detail when you receive your resolution. 

These are the list of the inquires below I need removed. 

XXXX. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX. ( XX/XX/XXXX ) Please remove I have been going back & forth with Equifax for months about this please help me. 

I also attached my identity theft report I filed.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$2000.00} XACTUS Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> XXXX XXXX  Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again I CAN NOT access via any means on line or phone except for letter which on multiple occasions has been proven to be fruitless. To boot - I currently have a credit freeze on my Equifax account which was removed close to two years ago and NOW REAPPEARS! This has cost me the purchase of a car and a significantly higher interest rate. I am about ready to sue them and you for failure to do anything to bring this record, not of my making or option to use, into a correct and updated status. I am tired of " they re not responsible for third party reporting. '' They provide the data and they should make sure it is used correctly or they ARE a participant in what is in my opinion fraudulent reporting causing severe emotional and financial harm. There are numbers of complains on this issue with all three credit bureaus and frankly the good takes months to be posted and the bad instantly! In my a opinion inability to do what they say they do! I attempted to use report # XXXX multiple times to file an online dispute but was unable to- phone contact useless. When will this agency become who they profess they are? The answer quite obvious regardless of what you state.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted several identity theft reports obtained from the XXXX police department aswell as the FTC and credit bureaus still refuse to remove the fraudulent accounts and unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

I pulled my Consumer reports from XXXX, XXXX XXXX XXXX and I noticed XXXX has furnished this account as a charge-off/collection. A charge-off is a canceled debt where a form XXXX must be issued to the consumer. I recently contacted And spoke to a representative and was informed that this account was sold to a collection company. This account has been Discharged by BMW FIN SVC__ and I need to file the XXXX form with the IRS as income. An account can not be a charge-off and a collection at the same time. BMW FIN SVC has furnished this account as a charge-off, in violation of the Fair Credit Reporting Act 15 USC 1681 . BMW FIN SVC as a furnisher of information, is prohibited by law from reporting inaccurate information. The IRS defines a Charge Off as canceled debt. When a debt is cancelled a FORM XXXX must be issued. The IRS states that a canceled debt is Gross or ordinary income, INCOME DOES NOT GET REPORTED TO THE CONSUMER REPORTING AGENCIES.
Product: Credit card or prepaid card

I went with a capital one secured card to repair my credit. After 6 months on time payment history I was told I could get a credit increase. I missed the 6th payment due to an issue with the capital one website and it not processing the payment before the due date and I did not realize it until a few days after the payment due date. This was over 2 years ago. I still have and use the secured card and pay on time every month and usually make 2 payments per month over the one just to be sure the payments are processed. Ive been 2 years straight now without a single missed payment or late payment and I still can not get a credit increase. Without that increase Im showing a constant low credit available due to only having a credit line of the initial XXXX dollars that I paid for the card 29 months ago!
Product: Credit card

I opened a us bank business attitude connect card ending with XXXXXXXX XXXX XXXX  and I have been making payments online with all statement balance on time. In XXXX, I received a letter from us bank saying I missed a couple payments and there are late fees and interest charges resulted from it. 
I contacted them immediately and after a few transfers, a rep finally told me the balance in my credit account is not accurate and I have to log into a central account to make the payment. It took me a while to realize it is not spam. So I asked the rep to waive all late fees and interests and she agreed. After 2 weeks, I received a letter showing the same amount of late fees and interests. I made a phone call again and still after a few transfers, a supervisor finally agreed " again '' to waive all of them for me. So I made the payment over the phone to make the balance XXXX. 
After that, I closed my card due to all hassles above. But I received 2 letters from us bank The one for the central account saying I owe {$16.00} interest while ironically the one for my card shows XXXX balance. I feel so desperate to us bank so I have to file a complaint here to make thing right.