23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Debt collection

My partner received a phone call today regarding a civil dispute and requested a call back within 72 hours. I told her that I thought it was a scam, but she should call them just in case to see what it was about. She called them back and they asked her if she knew me, she responded Yes and they then asked for her to relay a message. At that point, I simply took over the call and asked how I could help them. 

The lady introduced herself as XXXX XXXX and stated that she was a Case Manager for XXXX XXXX XXXX XXXX, a law firm contacting me on behalf of the client Wachovia Bank/Wells Fargo related to a checking account that was opened in XXXX ( closed in XXXX and charged off in XXXX ). When I requested validation and verification of the debt, I was sent an email entitled Settlement Offer. When informed XXXX that this was not sufficient to verify the validity of the debt, she became defensive and stated that if I didnt care about my credit and finances she didnt. She then proceeded to threaten legal action, to report the account to XXXX and threatened to freeze my financial accounts. I told her that I wasnt paying a dime on an account that I knew was in good standing at the time of closure and unless she could provide a legitimate validation of the debt, she could go to XXXX and I hung up the phone. 

I reached out to Wells Fargo and was informed that this was a scam. They are not trying to collect any debt on any account that I previously had with them and that an account did not exist with the account number I was provided. 

I was also transferred to the collections department who stated that this was a scam and informed me that Wells Fargo does not contract with third parties, including law firms in an effort to collect debt - they keep all accounts in house.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX and I am writing to you about an entry listed on my credit report which I have tried to have removed. Apparently, someone with the name as mine filed bankruptcy in XXXX Alabama and it appeared on my credit report. Through the credit bureaus, I filed a dispute stating that someone with the same name had filed this public record and it was not mine. Unfortunately, it came back verified by your company Lexis Nexis and it is still listed on my credit report. 

Frustrated, I decided to contact the Bankruptcy Court myself and they informed me that they do not provide any credit bureau and information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on credit reports. I ask that you remove it immediately and notify their credit bureaus of this mistake. I also request a letter that can be emailed to me by stating this fact. 

Thanks, I am attaching both a letter from the court and a letter from your company stating that I am not even in your database. 

I also attached the letter from the Bankruptcy Court and driver 's license. 

Also. If you need proof that there is someone with the same name as me in the same state with the same birthday, I have attached that too. I am neither XXXX  or married as this profile says.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their customer service would not help and take care of the negative inquiries reporting to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2019 I called XXXX XXXX to cancel my subscription due to a financial emergency. They offered to suspend my account for the month of XXXX with no additional fees, with the understanding no work would be done on the account, which I accepted. Called to cancel again around XX/XX/2019, with the understanding I would owe 1 month billing. I was informed I was being charged 2 months billings XXXX & XXXX. XXXX I understood, but I was told there would be no work done on the account in XXXX since it was suspended so there should be no billing for XXXX. On XX/XX/2019 I was charged 2 months fees. This organization lied and billed me for no work. Additionally, they dispute accounts in good standing instead of focusing on trouble accounts, in order to prolong the subscription and collect additional fees.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 43 financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I agreed to pay off a collection account that was a debt owed by my ex wife and not me, only bc they agreed to remove it from my credit report. XXXX and XXXX have removed the account from my report as agreed. However, Equifax is continuing to report this account. I started monitoring my credit on XX/XX/2023 and noticed that Equifax didn't remove the paid collection account from XXXX XXXX. On XX/XX/2023, I mailed a letter to Equifax asking them to remove the paid collection account from my report. I also sent them a copy of my report showing it was removed from my credit report with XXXX and XXXX. It is XX/XX/2023 and I have not received a response back from Equifax. I XXXX and this appears to be standard practice with them. Not sure what else I need to do to get it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would have to say that in my opinion congress should shut down XXXX as a lesson to correctly following the law. 

I have been a victim of fraud and identity theft along with their XX/XX/2017 Security Breach scandal. Three of the top Executives waited three days to inform the American People. In the meantime they sell their investments underhandedly eventually caused the CEO to resign to avoid Jail time.

XXXX takes the Fraudulent disputing process extremely lightly, even though I was one of those millions of victimized consumers.

XXXX is currently in violation of the FCRA 605 B after sending FCT and Police reports I still have inquiries reporting fraudulent.
Product: Payday loan, title loan, personal loan, or advance loan

LendnationXXXX Told me on voice recording that I had a XXXX XXXX I have been trying to use this {$120.00} credit for a while now. Each time they keep refin asking and not giving me my {$120.00} credi had on. I have. 
Refinance this account twice and they still will not give me my credit. I was told by the first employee that works for then to try back the next following XXXX. Then XXXX of this year. I tried again.Still no credit.I was told by a young lady that I can't use it the critic at all but they keep going up enough but they don't want to give me my credit
Product: Checking or savings account

TD bank not giving me my promotional money, I didnt mentioned all points earlier complaints, but this time I would request to answer all my questions, before I taking further legal actions with lawyer. 
1. I didnt used company mailer, I used direct link. When opened account at that time there were no mailer conditions. If bank updates late thats not my fault. 
2. If I used mailer then I would request bank to provide code that were used to open account. I m sure, I havent 3. If opened account from mailer address then why company sent mailer to my address with some other person name? 
4. Here are history of banks promotion offer history, company might have posted rules on XX/XX/2020 but I opened account on XX/XX/2020. 2 days before. Reference https : XXXX XXXX. Once I opened account then I requested to verify my eligibility for promotion by secure email, why bank representative reply, Ill get when its due, I have proof with secure email copy with reply.

6. If I was not eligible then why bank asked me to visit bank and provide photo id? I waited 4 hours in queue, even during covid situations. And provided all documents. 
7. If banks would have told me after my first email that you are not qualify then I would have closed account, why hold my $ XXXX? 
8. Everytime I called why bank representative, agreed that yes you open online and you have satisfied all requirements. Ill send email to my manager for promotion money.

9. Why promotional department only communicate with only email? Even I visited bank, manager took copy of my documents but didnt call to promotional department and let me wait another month. 
10. If TD bank so difficult to work with, why do you guys market, its Americas most convenient bank? No, its not. Horrible experience. I have accounts with many banks but worst to work with TD bank.
Product: Payday loan

I was recently contacted by a third party for the company, Ace Cash Express. They contacted my mother and husband and told them that I was going to be sued for a debt that was not paid in 2014. I asked the company to send that information in writing so that I could forward it to to the debt relief company that is negotiating my debt. They told me that company policy would not allow them to do that and that I had to agree to an installment. I proceeded to tell them that I needed that information in writing because I am handling my debt through credit negotiators so that I can pay my debt off in a timely manner because my husband and I have separated and my funds are limited. They then proceeded to tell me that I had to pay what they told me but they could not send me anything in writing until I agreed to pay this predetermined amount and it would only be the installment agreement that was sent. The lady then got upset with me because I continued to ask for something in writing. She then said that she only works there and that they were going to sue me and see me in court because I would not agree to their terms.
Product: Vehicle loan or lease

If banks can not loan their capital, where did they get the money that they claimed they loaned me from? Why wasn't i fully disclosed the terms and agreements in the retail installment contracts? And why didn't we come up with a clear UNDERSTANDING DEFINITION OF WHAT " MONEY '' is. DID WELLS FARGO LOAN ME MONEY OR DID MY PROMISSORY CREATE THE MONEY THAT THE BANK DEPOSITED IN MY ACCOUNT AND CLAIMED THEY LOANED ME MONEY AND CHARGED ME INTEREST ON MY OWN CREDITS? I WANT A CLEAR EXPLANATION FROM CEO OR CPA ON HOW DID THEY LOAN ME MONEY, WHERE DID THE MONEY COME FROM, AND HOW DO WE DEFINE " MONEY '' IN OUR AGREEMENT?
Product: Credit card or prepaid card

I got an email saying : Dear XXXX XXXX XXXX, As a result of a recent review, we have closed the account referenced above. 

We have taken this action because we were unable to verify personal information on your account. We will report to the credit bureaus that the account was closed by creditor, and credit your account with your card rewards balance if you have one.

If you have any questions, you may write to us at : Discover Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Sincerely, Discover Corporate Security
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America, in it 's capacity as servicer transferred a loan that was foreclosed to XXXX to collect. On XX/XX/XXXX, XXXX XXXX XXXX, BOA 's attorney responded to a complaint advising the Rescission Deed reinstated the lien and debt. On XX/XX/XXXX, a year later, XXXX XXXX XXXX, BOA 's attorney, conceded the Rescission Deed and Foreclosure sale we 're both invalid. On XX/XX/XXXX, the Court declared the Rescission Deed was invalid. However, XXXX the alleged successor to BOA is continuing to report this on my credit adversely without any legal authority. Please forward this complaint to the Federal Trade Commission for review, along with the historical file of my complaints.
Product: Credit card

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 the consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Im writing you to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) 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 that inquires from XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX were made without my knowledge.Credit Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiry deleted or updated. These are the items I demanding to be deleted immediately : 2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit card

I believe the account is invalid. Northstar Location Services , LLC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. Northstar Location Services , LLC Reference # : XXXX Balance : {$20.00}, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello to whom it may concern, I heard about this website from a friend that had some issues with a collection company in the past and I wanted to reach out to you all because this company has been reporting an old XXXX  bill on my credit report for the past few years. I had gotten them removed MULTIPLE times and they are persistent in coming back onto my report! 

Firstly, they have no right to sell my information or purchase it without my consent and this is a completely different company that is collecting this SUPPOSED bill that I definitely do not owe! They need to show some proof of anything and they have not and they continuously keep reporting on my profile. If this does not change I plan on pursuing legal help in the following few months because it is really impacting my credit! 

Please reach out to them and let them know I want this removed permanently or there will be a lawsuit pending because this is ridiculous. Thank you. Below is the account number attached to my profile. Please remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am not sure for what product or service I have been charged {$1100.00} on my credit card. All I know was I purchased a XXXX XXXXXXXX on XXXX XXXX it had internal camera issues, I requested for replacement they XXXX approved it. 

I got the new phone and I returned the previous phone on the same day around the last week of XXXX. 

And after 2 months ( XXXXXXXX XXXX ), I got this charge without any explanation. On XXXX XXXX I saw an update it the replacement was canceled without explanation. So I do not know for what they are charging me or why are they charging me. 

I further investigated, I found out that XXXX delivery partner of XXXX had successfully ship my return and XXXX received it. But upon arrival XXXX  did not received the phone. When I requested to get box weigh of my shipment. XXXX records are deleted and they have no evidence to support it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX   XXXX {$53000.00} XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX XXXX   XXXX {$65000.00} XXXX XXXX XXXX {$1000.00} XXXX   XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$590.00} XXXX XXXX {$350.00} XXXX XXXX {$4600.00} XXXX XXXX XXXXXXXX {$3800.00} XXXX XXXXXXXX {$740.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Filing a complaint against Experian for the errors that are being reported on my account. XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  accounts that don't belong to me. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Experian has given me a generic email of " been verified '' the process of using E-Oscar isn't accurate. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I sent XXXX XXXX a letter on XX/XX/, that I exercised my right to opt out yet the financial bureaus ; XXXX, Transunion, and XXXX continue to record XXXX XXXX on my credit report. My option to opt out follows 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

Additionally, according to the Fair Credit Reporting Act 15 USC 1681 section 602 a state " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ''
Product: Credit reporting or other personal consumer reports

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