23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to request validation of the debt referenced in your recent communication. According to the Fair Debt Collection Practices Act, I am entitled to request verification of the debt you claim I owe. 

Please provide the following information : The amount of the debt. 
The name of the original creditor. 
Documentation that proves I am legally obligated to pay this debt. 
Any additional information that verifies the debt 's validity. 
Please consider this letter a formal request to cease collection efforts until the debt is validated. I look forward to your prompt response. 

Thank you for your attention to this matter. 

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

I reviewed my consumer reports and noticed that I have XXXX late payments on an account ( XXXX XXXXXXXX ) that i was NEVER late for. 
According to the consumer law 15 USC 1666 ( B ) a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

15 USC 1681 SECTION 604 ( a ) section 2 states a credit reporting agency can not furnish an account without my written instructions.

The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for " XXXX XXXX ''. I have included screenshot inside this complaint in on dates of XX/XX/year> and XX/XX/year> ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thank you very much! 
Please see screenshot attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in response to the recent investigation conucted by the Credir Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question. As previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update or remove these disputed accounts. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the acccounts must be promptly updated or deleted according to Section 1681i ( a ). 

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 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

I have reason to believe my identity has been compromised through Credit Karma 's website. I have attempted to contact them requesting alternative ways to log into my account and they have neglected to respond or at the least even address my concerns. The profile is registered under an email account I have no knowledge of but I have a good idea of who the culprit could be. I intend on filing a police report report but it is rather distasteful a corporation can extend access to my identity in seconds but ca n't help me in attempts to protect my privacy ... if emails are being sent by Credit Karma they are being sent to the erroneous emails since they have n't bothered to respond with appropriate steps for me to access MY account.
Product: Debt collection

Wrote to company to dispute the validity of debt on XX/XX/2023 and requested further information to verify the debt, sent via certified mail signed for XX/XX/2023 at XXXX by front desk. 

I have not received any further correspondence as of today for the information I requested and as required by law 15 US Code 1692g Validation of Debts. I am asking this company via estoppel letter to remove this information from any credit reporting agencies and to stop their collection efforts.
Product: Credit reporting, credit repair services, 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 privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ( Account # XXXX ), XXXX XXXX Bank ( Account # XXXX ) and XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to keep up with my monthly payments for my private student loan. I was paying toward the interest of the loan and not the principle. I needed help. I contacted XXXX XXXX XXXX company to help me assist with the loan. They negotiated my student loan from {$85000.00} to {$57000.00} from XXXX XXXX XXXX XXXX. But XXXX sold my loan to Reliamax. XXXX XXXX XXXX company contacted Reliamax and got my loan further reduced to {$27000.00}. Which is how much I paid Reliamax. I completed the payments in XXXX of 2020. And now they gave my account to XXXX XXXX collection agency claiming I never paid them. They also opened a collection under my credit history as security credit services for {$57000.00}. I am trying to have this removed. Im disputing it with the credit bureaus. This is causing me to loose a home I was about to purchase and these people should not be allow to do business if they will do this to students who settle their debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX Has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a customer reporting agency can not furnish a account without my written instructions.

15 USC 166B : 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

in accordance with the fair credit reporting act. the list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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  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 item of adverse item of information, other than records of convictions of crimes wich antedates the report by more than 7 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
Product: Credit card

The retail company switched the finance company which handled their company credit card. Through the process they discontinued my auto pay and did not notify me of the change although they had my contact information. They finally called me when my account was 32 days late to inform me my account was 30 days delinquent. I have since brought my account current and setup auto pay once again, but they refuse to remove the XXXX missed payment in my credit history, which was due their internal process errors and lack of proper notification
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to ... .promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
Product: Credit reporting

My credit damage occurred because of beyond my control.one example is the default had happened the contract enter between me and my school, broken by the school.This without investigation the school and education made me in default.I have no money to take this matter to court. 
will review my case please. 
The second issue I have is with XXXX.They charged me high interested rate. Because of this I had paid high down payment and my trade and XXXX years loan for used car. 
will you review my contract with XXXX. 
Thank youl
Product: Checking or savings account

This very important and there is so much more to say but I don't know how or what to do. On XX/XX/XXXX I was the victim of identity and fraud. The thieves filed a claim with my bank, Chase, for the last three months of car payments that I had made, I have documentation, and the bank placed a credit for the amount of {$1100.00}, while it was happening I was made aware that fraud was happening to my account, I called Chase and alerted they're security department of what was / had happened. They tried to stop it but the crooks had already taken the money. Which caused an over draft for the money. I received a letter from Chase stating that they had finished their investigation and had removed the credit, as they should have. And on the date stated in the letter, the XX/XX/XXXX, I thought that they would have credited back to my car loan company the money. They had not released the money. I started getting phone calls from the finance company, XXXX XXXX XXXX XXXX telling me that I was three months behind on my payments. I explained that I was the one who informed them that they and I were the victims of fraud and that I had filled reports with both the FBI and XXXX  Police department for the incident and that Chase was supposed to release the money around the 19 th. They didn't release the money. I started getting phone calls from the finance company, each one meaner then the prior call. I kept explaining, and I got no where. Chase didn't give me a reason why the money wasn't released. I have been in communication with the finance company the whole time this is happening. If I had missed a call from XXXX XXXX XXXX XXXX, I always called back. On Monday I had two missed calls, one was unknown number and one was anonymous. Only one left a voicemail and I couldn't understand what they said. Tuesday morning at XXXX XXXX I went out to my car and it was gone. I called XXXX XXXX XXXX XXXX and found that they had repossessed my car. When I asked why, again, I'm supposed to be behind by 3 months. I asked why wasn't I contacted and was told that I ignored their phone calls. That's when I remembered the calls mentioned above. I replayed the voicemail, I listened to it six different times before I could figure out who and what they said, very low and fast, " XXXX XXXX XXXX. '' That was all. I saved it. I spent the next several hours on the phone with Chase and XXXX XXXX XXXX XXXX and that is when I finally found someone with Chase to tell me that they didn't intend to release the money until the XX/XX/XXXX When I asked why it was because they could, they said that the law gave them 45 days before they had to release the funds. When I told them that they had repossessed my car the only thing that they said was sorry. Meanwhile XXXX XXXX XXXX XXXX is reporting that they repossessed my car with the credit bureaus for late payments
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my acccount transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not my accounts, never received anything verifying these are debts or their relation to me. This is a strict violation of FDCPA and FCRA. Also, talked to the company & they themselves lack any info & agreed to remove them.
Product: Credit reporting

I went to https : //XXXX, entered my information, and requested my free annual credit report from Experian. 

I got this message : " We were unable to honor your request. If you entered your credit card information, we did not charge you. 

Sending us your information To receive your personal credit report by mail, please mail us this letter ( or the information in it ), along with " ... 

Then I went to the " Contact Us '' form on the annualcreditreport.com site and tried to report the problem, but the site refused to accept my form. The error was " Tell us more is invalid. Please try again. '' but it provided no information about why the information I had entered under " Tell us more '' was invalid or how to correct it. 

The appearance to me is that Experian is trying to avoid its legal obligation to provide a free annual credit report by making it so difficult that most people will just give up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job. 

Please investigate the following : XXXXInaccurate XXXXInaccurate XXXXInaccurate XXXXInaccurate XXXXInaccurate XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX XXXX XXXXInaccurate XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment. 

Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. 

I would really appreciate your help with this matter. I hope to hear from you soon.
Product: Debt collection

I purchased a tablet from XXXX which subsequently stopped working.I returned the tablet to XXXX and, unfortunately, I ordered a replacement.The replacement also stopped working.I returned the replacement, all at my expense, to say the least.I called the Customer Service department and informed them over a recorded conversation to not send me any more products from XXXX.Believe it or not, I received another tablet and returned it also at my expense. 
Later I receive a letter from a collection agency, namely Tate & Kirklin Associates ( XXXX, PA ) informing me that I owe {$170.00}, Original Creditor XXXX, Creditor XXXX, Account Number XXXX.I disputed the bill with the credit reporting agencies and after their investigation, I received the attached form from XXXX showing a XXXX balance.I thought after receiving this form from XXXX, that my nightmare was over.Not at all!!! And, yes, it is still listed as a disputed collection on my credit report.What good is the XXXX balance when it 's not reflected on my credit report as being in good standing? I know all of these predators are out to make money, but this is ridiculous.I would really appreciate your help in resolving this matter.I realize that the amount alledgedly " owed '' is n't a lot, but it 's a lot when the debt is n't mine. 


Thanks In Advance, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted these companies over and over again I have had my identity stolen and all these inquiries are plain out crazy. I have called and I can not get a representative on the line I have also did plenty of disputes and there response is it 's mines and it is not mines.
Product: Money transfer, virtual currency, or money service

Hello, my name is XXXX XXXX. 

i reported my acount was hack and i open case for unautorized transaction. 
this case XXXX has been close on my favor but i did not received my refund yet. 

has been Unauthorized Withdraw Transaction ID XXXX {$7900.00} Transaction ID XXXX {$5000.00} help me with my refund please.
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 privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : 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.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

Hi ; I disputed a transaction made with PayPal for a XXXX purchase that the seller tried to scam me into making me pay for shipping when it was advertised as free shipping. A clean cut case. My money should have been refunded right away. Especially after XXXX had received notice that the product purchased was returned to the seller who tried to scam me. Meanwhile five days later, PayPal was yet to make a decision on this and I am without a refund or product. PayPal should be held accountable and to the same standards as any other financial institution and like any other XXXX XXXX XXXX XXXX. PayPals dispute process is not like that of a bank. PayPal makes the customer attempt to reach an agreement with the seller or merchant which I did and the seller began demanding I give him my number which I did not feel comfortable with talking outside of the XXXX app. PayPal needs held accountable for allowing customers to be scammed.
Product: Debt collection

Starting with XXXX XXXX. We lost XXXX last month over and over. Current FA, a fiduciary, has been more driven to other clients. She's been told by us. 'there 's a problem '. Not sure she knows of them. We are short almost to the XXXX the of our house. Pardon, but this realazation jusu hit me right in my head. A throughout investigation of original accounts through XXXX XXXX XXXX XXXX XXXX should be completed. All funds should be returned to our accounts. All fees, fines, taxes, 'Fiduciary ' fees ( managerial fees ) taken should be returned to us. For as much as disappeared, a multiple should be returned. XXXX XXXX XXXX XXXX never put us in I-bonds, fixed-income, or cds. We have never been told what she would invest in, tax harvesting, and nothing but losers. 

We have an outstanding set of lawyers and planners. As, part their services the were keeping transaction and balance as a 'form of 'checks/balances '. They did a superior job until XXXX XXXX XXXX XXXX transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ALREADY REQUEST PROOF THAT I MADE THOSE INQUIRIES, I AM ALREADY A CLIENT AND THERE IS NO NEED TO HAVE HARD INQUIRY ON MY CREDIT AND WHY MULTIPLE INQUIRIES? 

XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX