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

I have received a letter from XXXX XXXX saying that a credit card for {$3000.00} was opened in my name and home address. The email and phone number linked to the account did not belong to me. I tried to call their customer support, but only a robot would respond and ask me to provide a phone number linked to the account I did not know which phone they used to open the account. In the end, I found a wrong phone number added to my credit report, and called XXXX XXXX again, and asked the robot to close the account. The robot told me that someone has already purchased something for more than {$2900.00} via XXXX transactions. I still can not get any representative from XXXX XXXX to answer my call. I have frozen all my credit reports on the XXXX credit bureaus, filed a police report and a report with FTC.
Product: Debt collection

The transactions that have been detected don't pertain to any transactions that I, the consumer, have made. According to FDCPA XXXX XXXX ( b ), you are not allowed to pursue collection activity until this debt is validated and I the consumer have not received a debt validation letter for the accounts below. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. Please send me a copy of my credit report when the above collections are deleted and has been removed. I look forward to your response.
Product: Credit reporting or other personal consumer reports

I was checking on my XXXX report and while I was looking I noticed inquiries that are not mine on there
Product: Debt collection

I have got variety call from 3 different numbers stating the same thing and same last four of a card XXXX ( XXXX XXXX ) they are going to take me to court XXXX saying they are your collation agency/ sold this account to them to bill me for a capital one card ending in XXXX for {$2000.00}. 

XXXX ( XXXX XXXX XXXX they are the department that is going to take me to court. they state I had a secured card with capital one. 
all three have been super rude they do not want to give me there information and hang up on me then block my calls XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was previously with XXXX XXXX, I disputed two inaccurate late payments with them numerous times. Recently, the account was transferred to XXXX and they are reporting the two late payments that are inaccurate.
Product: Mortgage

I am a 100 % XXXX veteran with an approved real state tax exemption from the state. I have sent the letter of approval to the Mortgage company but they refuse to eliminate the tax charge from the monthly charges because they want the letter to read as they wish rather than as the state determined. They have spoken with the county clerk over the phone, with me on the line, who confirmed of the 100 % exemption and thus taxes should not be charged. They continue to charge taxes. They ( the bank ) later send a letter saying they are not receiving a tax bill from the county -surprise! because I am exempt- and yet they continue to charge it to my monthly mortgage amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

My concern is the investigation process is done electronically and no one actually physically verifies any information. The agencies even admit that this happens routinely on a everyday occurrence. My information has not been properly verified by means of physical verification as it states in FCRA section 601. This request has been made many times on line as well as the letters forthcoming to you. It seems that they don't even read the letters, they just automatically open up a dispute and reinvestigate. My last letter even states NOTE : This is not a request to reinvestigate these accounts. but as usual, that's exactly what happened.
Product: Credit card or prepaid card

On XX/XX/XXXX I was traveling in the XXXX XXXX and purchased XXXX at the XXXX XXXX XXXX XXXX at approximately XXXX XXXX using my Chase Presidential Plus Card. The product I purchased turned out to be conterfiet. I contacted Chase Bank to get their advice at approximately XXXX XXXX.

I was advised by customer service to not return to the store as the items were counterfiet to avoid a conflict as I was alone. I followed the banks instructions, See Attached.

On XX/XX/XXXX I filed a written dispute as the bank had instructed me. They issued a credit. On XX/XX/XXXX I recieved a letter from the bank that the retailer responded say that the XXXX   where infact as advertised. I responded on XX/XX/XXXX in writing contacting Chase 's executive offices. On XX/XX/XXXX I recieved a phone call from Chase that said that they were denying my claim as there was no further recorse as the merchant did not provide any serial numbers on the reciept so I am stuck. I followed their instructions on handling and they are particpating in fraud along with the retailer. I am shocked that they use the retailors dishonesty as a way to not protect me as a a consumer. Beware of Chase Credit Card Services.

I have called Chase and let them know I was referring this to you.
Product: Student loan

Wells Fargo Student Loan : I co-signed for my son 's student loan with Wells Fargo with an adjustable rate. We have been paying on time and even overpaying by a small amount. I wanted to consolidate the two loans to make it easier to pay, but they refused to consolidate even though I have a credit rating in the XXXX 's. I own my home and have over {$200000.00} in equity. They said in order to consolidate the two loans, it would be considered a new loan and my debt to income ratio was too high. I assured them I have an excellent repayment history and the only reason it was high is because of the loan I am currently paying to them. I told them if it had to be considered a new loan they could actually write the new loan check to themselves for the old two student loans to insure I was not going to spend it on anything else except the loan. They would not consolidate the loans. At this time I have repeatedly asked to see monthly statements with how much was paid, how much went to interest and what interest rate was currently being charged and to see a monthly balance. I was told they do n't do that. Are you kidding?!!! I have seen other people with this same problem and it does n't seem right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove XXXX XXXX XXXX from my Experian credit report since XXXX of XXXX due to a HIPPA violation. Experian says that the account has been verified even after I sent in proof of HIPPA violations twice. The last letter sent to Experian was asking for their method of verification which by law I am entitled to under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.. Experian failed to provide me with their method of verification within the 15 days allowed by law not once, but twice. Instead of verifying how they investigated they opened yet another dispute which was not the intentions of the letter. I specifically asked for their METHOD OF VERIFICATION and they failed to provide it. Please remove this account from my credit report as it violates my rights.
Product: Credit reporting or other personal consumer reports

the company is furnishing old information as newly attained, most information isn't mine or incorrect. I also have never given them consent to furnish any negative items.
Product: Credit reporting or other personal consumer reports

I'm a victim of a sham investigation from Transunion credit reporting agency. They have not done a real investigation, but rather only relied upon the response from the creditor and basting. Their investigation solely on a fault. XXXX XXXX system that is not accurate please delete all items that's listed in my documents immediately. Please see documents in attachments this dispute was not made in error. Send me a copy of my credit report after your investigation is completed also show me how you investigated my claim of the account im disputing, so me how this account is incomplete and accurate!
Product: Credit reporting or other personal consumer reports

I am disputing unvalidated late payments on my credit report. Despite my written dispute over 30 days ago, you have failed to respond or provide the required validation, violating the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed them that the amount owed is not correct nor is the account number. The buraus said they investigated but asked how was it investigated they sent back the same information. They dates I sent letter was XX/XX/20 and XX/XX/20. The amount {$870.00}, and {$550.00} both accounts went out on the same date and letter.
Product: Debt collection

Dear NCB Management Services , INC, I am writing to follow up on my previous correspondence regarding the debt referenced by your company, which I disputed and requested validation for. To date, I have not received any response that satisfies the requirements outlined under the Fair Debt Collection Practices Act ( FDCPA ). 
As outlined in my initial letter, 15 U.S.C. XXXXg ( a ) requires that a debt collector must provide validation of a debt upon a consumers dispute. Despite my request, you have failed to provide the following necessary documentation : XXXX. The name and address of the original creditor and current creditor to whom the debt XXXX. XXXX is owed. 
An itemization of the current debt amount, including a breakdown of interest, fees, payments, and credits. 
A copy of any assignment or transfer of the debt from the original creditor to your XXXX company. 
Documentation of any securitization of the debt, and proof that the debt was properly assigned to your company. 
Furthermore, under 15 U.S.C. XXXXg ( b ), once a consumer disputes a debt, a debt collector must cease all collection activitiesincluding reporting the debt to credit bureausuntil the debt is properly validated. This is a clear requirement under federal law and has been reinforced by case law. 
In XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX, 2014 XXXX XXXX ( XXXX XXXX. XX/XX/year> ), the court held that a debt collector can not continue reporting a disputed debt to the credit bureaus without first verifying the debt. The court ruled that if a consumer disputes the debt, the debt collector must suspend any collection activities, including credit reporting, until it provides proper validation. The court further emphasized that continuing to report an unverified debt constitutes a violation of the FDCPA. 
Therefore, I demand that you immediately cease reporting any information about this debt to the credit bureaus until you have provided the requested validation. If the debt can not be properly validated, I request that you remove any derogatory information related to this debt from my credit reports. 
Please be advised that if you fail to provide the requested validation within XXXX days from the date of this letter, I will pursue all available remedies under the FDCPA, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the state Attorney Generals office. Additionally, I will consider pursuing legal action to enforce my rights. 
Thank you for your prompt attention to this matter. I expect your full compliance with the FDCPA and look forward to resolving this issue. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration with your continued failure to address the inaccuracies related to the account referenced below on my credit report. Despite multiple attempts to rectify this issue, the erroneous entry persists, causing significant and unjust harm to my credit profile.
Product: Vehicle loan or lease

On XX/XX/2021, I acquired a car via credit from XXXX XXXX XXXX via XXXX XXXX sale. The agreement between myself and XXXX XXXX XXXX was then assigned to Santander Consumer USA. Recently while going over the details of the agreement, I noticed misrepresentations and errors within the agreement. I've reached out to Santander Consumer USA via U.S. postal mail disputing the alleged debt, requesting full disclosure of agreement, and requesting proof of adequate assurance of due performance. I've also reached out to the dealership as well, because I was led to believe that my down payment was applied to and subtracted from the sales price of the car.
Product: Prepaid card

There was an unauthorized charge on my vanilla gift card. 

purchase date : XX/XX/year> Amount : {$350.00}
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 ( CDPA ) 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 process was unfair and deceptive as the did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card

Received a letter to my husband XXXX XXXX on XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX application was filed with Wells Fargo and Wells Fargo unable to provide benefits at this time due to not receiving documentation within 12 months at end of military period of service and based on information we provided and the XXXX XXXX XXXX XXXX database we are not eligible for benefits because our account was opened after our military service start and/or end date or closed and paid in full prior to our military service start date. 

My Wells Fargo Home XXXX Card Number for XXXX XXXX is XXXX The big issue is we NEVER filed a XXXX  application to Wells Fargo. We are veterans but got out of service in XXXX in XXXX and DID NOT even have Wells Fargo. We did not get Wells Fargo until somewhere in the year of mid XXXX. The account that Wells Fargo is referencing is a Wells Fargo XXXX XXXX XXXX that my husband has and I have XXXX also. The home project cards are the ONLY accounts we have with Wells Fargo. We DO NOT have checking, savings, CD 's, bonds etc. We don't understand what generated these letters from Wells Fargo. I reported it as fraud, to Wells Fargo. A personnel at WF states someone filed a XXXX application under my husbands name but WF Fraud could not find one. WF Fraud Division has no idea why we got these letters from Wells Fargo. My husband got a voicemail message about a loan application but caller did not say name or who they represent. My husband was afraid to return phone call. We are afraid we are being victims of fraud and don't know if we should go to police since Wells Fargo don't know why they sent the letters???
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX account still reporting incorrect shows last payment XXXX XXXX they also received and processed through my account XXXX XXXX XXXX {$27.00} in XXXX XXXX approximately the XXXX of the month they also accepted my payment of {$27.00} in XXXX XXXX processed through my account XXXX XXXX XXXX I then closed my account with XXXX XXXX XXXX XXXX account. I then on XXXX XXXX XXXX through their automated system paid my remaining balance to zero with the payment of {$21.00} which was my final remaining balance. the confirmation number for the final payment bringing me to XXXX balance is XXXX on date XXXX XXXX XXXX payment has cleared my bank I received a letter today from XXXX XXXX XXXX XXXX card dated XXXX XXXX accepting the closure of my account by me and telling me I had a remaining balance of {$20.00} I paid that as I said XXXX XXXX XXXX I gave you my confirmation number XXXX this needs to be reported correctly account balance is XXXX and account is closed by me
Product: Credit card or prepaid card

PayPal and PayPal Credit are trying their best to cheat customers. If you have accounts that are a promotional purchase and have a period of time to pay before interest is charged and you make a payment they will only apply your payment to the most recent purchase and not apply any payment to the oldest balance in hopes of you not being able to pay off the promotional balance before interest will be charged. Say you have a promotional balance of {$500.00} and you have 24 months to pay off the balance and a minimum payment of {$30.00} is due each month and you have a balance on a purchase of {$200.00} that is to be paid off in 6 months to have no interest charged. You make a payment of {$200.00}, enough to cover the {$30.00} on your 24 month account + {$170.00} to pay on your 6 month no interest account. Syncrony Bank who handles PayPal Credit accounts will apply the entire {$200.00} to the 24 month account and XXXX  to the 6 month account in hopes of you not being able to pay the 6 month account and end up having to pay a large amount of interest.
Product: Student loan

I called in 2022 regarding borrower case XXXX and they advised it would take months. I received an email saying I was part of this case and did not have to pay the balance but yet I'm still being charged interest and still have a balance.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late 2. Unpaid balance reported as a loss by credit grantor XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting XXXX XXXX  Account Number : XXXX Update to Open/Never late 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete from my credit report. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Delete from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Delete from my credit report. 


XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Delete from my credit report. 


XXXX. XXXX XXXX CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - False or misleading representations XXXX  Account Number : XXXX Delete this account. 


XXXX. XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Student loan

I was in  XXXX  school in  XXXX  at  XXXX  and when I went to the financial aid office I had  one or two da ys to sign my loans before school started. I got a " public loan '' fro m Navient as well  as private loan from  XXXX   XXXX . I got a telephone call fro m Navient on m y cell phone in  XXXX  asking if " I 'd like to consolidate my loans for a lower rate today over the phone ''.     I was in financial distress so I agreed to. However, today I still have about  XXXX  different loans under Navient, and they are all different interest rates and not consolidated into  XXXX  fixed loan or interest rate. It was all very confusing and of course I was going to say 'yes ' over the telephone if I thought I was going to consolidate my loans and lower my monthly payment. I 've been taken advantage of by Navient and  XXXX   XXXX  and it all started at the financial aid office at  XXXX .
Product: Credit card

Purchased XXXX XXXX airfare with AMEX on XXXX on XXXX in amount of {$3800.00}. Flight was canceled due to covid. XXXX XXXX failed to provide travel credit or refund despite documented subsequent travel on XXXX XXXX within the two-year credit window. Airlines knowingly withhold services until after customary credit dispute window has lapsed.
Product: Credit reporting or other personal consumer reports

I opened an account with XXXX XXXX on XX/XX/XXXX, for {$410.00}. I consistently made timely payments until the COVID-19 pandemic and subsequent lockdowns disrupted my ability to work. Due to these circumstances, the company sent the account to collections and marked it as a charge-off. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX I took out a loan with Security Finance on or around XX/XX/XXXX, for {$670.00}. I made timely payments until I was laid off and could no longer continue making payments. I attempted to set up a payment arrangement with the company, but they refused and instead sent the account to collections, marking it as a charge-off. 

Additionally, there is a discrepancy in my credit report, as different account numbers appear for this creditor across the credit bureaus, which invalidates the debt. 

Security Finance XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Checking or savings account

hello, the former employer did not confirm my salary check in the bank, because of which my bank account was blocked and then completely closed, due to the fact that he does not answer calls and does not confirm the salary check that he paid me for my work earlier. his phone works, I wrote him requests for his XXXX to confirm this check, but he said that he would not confirm until I publicly apologized to him, and also said that I should sign a paper stating that I had no claims against him and only after that he will confirm this paycheck. I want to clarify when I got a job with him, we did not have such conditions. i have gone many times to the bank they tell me there is nothing they can do and that i have to ask him to confirm the check or find his number to which he will answer, but he does not have another number, he is just trying to create problems for me by blocking my account.