23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have recieved two ( 2 ) meritless, fraudulent letters from XXXX, in which they claim they will file suit for an alleged debt. I started doing research on them, and I have found that they do follow through with the suit, however the suit is pretty much meritless, but nonetheless the defendants end up with a default judgment due to the inability of defendants to find counsel.
Product: Credit reporting or other personal consumer reports

I applied for a new credit card at my local bank, XXXX XXXX XXXX XXXX, and they stated my application has been unapproved because I have multiple hard inquiries on my report. I do not recognize these hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of account ( s ) below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 an 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 items 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 the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase credit card was opened by XXXX XXXX ex married family has me stuck in unknown debt i dont know what to do over this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX  Last reported XX/XX/XXXX {$1300.00} Reported balance Highest balance {$1500.00} XXXX XXXX XXXX Last reported XX/XX/XXXX {$3600.00} Reported balance XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$560.00} Open balance XXXX XXXXXXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$320.00} Open balance {$1800.00} Reported balance XXXX XXXX {$960.00} Sincerely,
Product: Credit reporting or other personal consumer reports

This inquiry was made without my consent ; I did not interact with the lender on that date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Capital One # XXXX, Capital One # 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 consumer reporting agency can not furnish a account without my written instructions.

15 USC 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

On XX/XX/2018 I made submitted a dispute via US mail on two accounts on my personal credit report. The invalid nature of the accounts that were reported in direct reflection of FCRA section 605.B and 611 along with supporting documentation validating my identification and the incidents that led to the invalid account postings. 
Please assist me in enforcing the blockage of these invalid accounts as they are hurting the financial well being of both my personal and business life. The accounts question are as follows : Bankruptcy - XXXX XXXX and XXXX Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom It May Concern : I am sending this letter to you in response to a notice I received from you on ( XX/XX/2022 ). Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that vou are licensed to collect in my state : and Provide me with your license numbers and Registered Agent.

If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following. 
Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character 50 Free Debt Validation Letter
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account with XXXX XXXX that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of this account to this complaint on the following dates ( XX/XX/year> shows 30 days late ). I am now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

This complaint was issue previously. In regards to the funds that was withdrawal, I have not received the remaining funds from my company PPP loan that was disbursed to the account nor have the lender who issued the loan received the funds via the lender response. My own personal business funds were utilized to pay payroll and other business related fees other than the funds that were disbursed to me for those intentions through the SBA PPP program. I need an update on this issue. Are those funds still in wellsfargo account or have wellsfargo disbursed the funds to XXXX XXXX  and if so when. 

Below is the info related to my previous complaint I received a PPP loan as well as a SBA loan for my business back here in XXXX and XX/XX/2020. The PPP loan was deposited into one business account while the SBA was received into my other business account that I held at WellsFargo Bank. I didn't utilize my WellsFargo Bank because I operated my business mostly from my other business account thats held at another bank. I was advised with the PPP to place it separately from your normal account so you can better keep track of your expenses in order to qualify for forgiveness. My WellsFargo account was mainly used for employee payroll, business utilities, and other business related expenses such as but not limited to making renovations to ensure the safety of myself as well as my employees. In XX/XX/2020, I was attempting to use my debit card and it came back rejected stating that the bank that released the XXXX loan has placed a soft hold on my account due to XXXX. I have reached out to XXXX Bank and haven't received any follow calls after numerous calls to the fraud department. I also have called customer service and visited XXXX Bank at XXXX in XXXX, TN several times and spoken with the bank rep that service my account by the name of XXXX and also have spoken with Fraud XXXX from XXXX Bank who wasn't clear of what the fraud was and stated he was closing his investigation. The reps from XXXX was also unsure of any discrepancies. I also called XXXX who serviced the loan to get information and they was going to reach out to XXXX for more information. The rep emailed me stating he didn't have any information. So I have been going in a circle since XXXX with no information pertaining to why my account was flagged for fraud when in fact I have been in business for over 16 years and my account at WellsFargo was open way before the PPP or SBA loans were presented. My accounts were just closed on XXXX and my funds haven't been released when these funds were supposed to be used for my business operational need in order to apply for forgiveness and my SBA loan is a 30 year loan. I need to hear some information soon from someone. My SBA money was in another account that was separate from my PPP and it was also placed on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection on my account from XXXX XXXX, one was a balance {$430.00}, which was paid in full, and XXXX also reported a collections for a different account for {$380.00}, after paying the {$430.00} I was emailed a letter for my lender for a paid in full for the account. I asked why there was another amount of XXXX and was told they couldn't find that account and were unsure why it is on there. XXXX has since reported the {$380.00} to collections which was my understanding that it was the {$430.00} which was the {$380.00} with late fees.
Product: Credit reporting

Working with XXXX XXXX to remove. XXXX 's put false information onb my credit report after failing to withdraw {$25.00} from my account in nJan 2015. I called XXXX XXXX and paid {$27.00} and the XXXX credit rep said no deliquency would be put on account.
Product: Debt collection

XXXX of 2022 got a letter said my account was overdrawn from a hotel purchase in Arkansas and I owed money. Answered all bank questions and letter from employer showing I was at work during the transaction.
Product: Checking or savings account

I've tried to close my accounts with PNC bank 2 times and the representatives don't want to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have filed numerous reports regarding the errors and to date the only thing repaired was my name. My FICA score which they allude to not having anything to do with reflects  XXXX . All corrections were Filed as well with   XXXX   who has NOT updated the other  XXXX  bureaus! NOTE on each complaint filed  XXXX   XXXX  WAS included as was Equifax!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached report I have Several Fraudulent accounts opened in my name, alone with several inquires that I didnt authorize.. I disputed with the consumer reporting agency.with no results.. Also im the middle of figuring out how to add temporary freezes to my report.. Ive file an identity thief report..The accounts are listed below CREDIT XXXXXXXX XXXX XXXX  LATE PAYMENT Balance {$420.00} Updated on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX LATE PAYMENT Balance XXXX Updated on XX/XX/XXXX XXXX Link card name|What 's this? 
LATE PAYMENT Balance {$380.00} Updated on XX/XX/XXXX XXXX XXXXXXXX Link card name LATE PAYMENT Balance {$320.00} Updated on XX/XX/XXXXXXXX XXXX XXXX XXXX  BANK Link card name LATE PAYMENT Balance {$600.00} Updated on XX/XX/XXXX XXXX XXXX XXXX Link card name LATE PAYMENT Balance {$16.00} Updated on XX/XX/XXXXXXXX XXXX Link card name LATE PAYMENT Balance {$0.00} Updated on XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX BANK ( Bank ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX BANK ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX
Product: Student loan

I have always struggled to be able to pay my student loan payment every month and on time. Between the poor payment history ruining my grandfather 's ( cosigner ) previously great credit and Navient beginning to call us each 3-8+ times a day every single day from the first day after the payment due date until the full payment was made ( which meant often we would get nonstop calls for over a month or two straight! ), my grandparents were severely distressed all the time. My grandfather called Navient to see what needed to be done to have him removed as the cosigner on my loan and they told him that if the loan payment was made on time every month for 12 consecutive months that we could have him removed as the cosigner, so my grandparents, who were already retired and on a fixed income, set up autopay and began paying my loan on XX/XX/XXXX. They even paid it for an extra 5 months, a total of {$3800.00}, to ensure there was sufficient enough good payment history for him to be removed. When they called Navient to have him removed I forget the exact claims Navient made, but I believe it was that my loan type was not eligible to have the cosigner removed at all, ever. I began attempting to pay the loan myself again and still struggled to pay it every month and on time, and forbearances were very difficult to get, at most once or twice a year, and when I did get them they were never for more than 1-3 months, so the nonstop harassment calls from Navient continued and my grandparents credit suffered more as well. In early XXXX I wasn't in a position to be able to pay my loan so my grandparents began paying it for what was supposed to be a few months, just long enough for me to get back on my feet. Unfortunately I was laid off from my job at the end of XX/XX/XXXX, and between being in the height of the pandemic and having children at home with no reliable childcare I had to transition to becoming a stay at home mom, which meant my grandparents had to continue paying my loan and have done so every month since XX/XX/XXXX, totaling {$14000.00} that my grandfather would not have been responsible for if Navient would have been true to their word and released him as the cosigner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX BANK OF AMERICA ILLINOIS XXXX XXXX XXXX, XXXX XXXX, Texas, XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe to your bank. I am not refusing to pay, but am notifying you that I am disputing your claim. I am requesting validation, as it is my right according to the Fair Debt Collection Practices Act. Please be aware that I am requesting validation ; specifically, competent evidence bearing my signature and showing that I have a contractual obligation to pay you the amount you claim I owe. I am putting you on notice that any negative mark found on any of my consumer reports ( including XXXX XXXX  credit reports ) from your company, or any company that you represent for a debt that you can not verify that I actually owe is a violation of the Fair Credit Reporting Act. Therefore if you can not validate the debt, you must request that all credit reporting agencies delete your entry from my XXXX XXXX system report. Pending the outcome of my investigation of any correspondence or evidence that you submit, you are instructed to take no further action that could be detrimental to any of my consumer reports. If you can not prove that you still own this alleged debt, remove the derogatory marks from my credit report per the FCRA. Failure to respond within 30 days of receipt of this certified letter will result in legal action against your company. I will be seeking a minimum of {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX LAST 4 SSN : XXXX
Product: Credit reporting or other personal consumer reports

Ive gone on free annual credit report website and have tried to get my credit report from TransUnion. They constantly keep denying me it wont send it in the mail. It wont give it to me online they wont fix my disputes or remove my hard inquiries Ive submitted sufficient proof to them over and over and over. They never do what they say. They will return the answer or response to the CFPB and just write that we have sent the results in the mail should receive them within 7 to 10 days and they never send me anything. They are liars, cheaters and scammers, and keep violating fair credit reporting act. And my rights
Product: Debt collection

On XX/XX/2023 a dispute took place in regards to the collection that was place on the consumer credit profile with all 3 credit reporting agencies stating that a debt was owed and and that it was impartive that this debt was paid!! After the dispute took place the credit reporting agencies fail to update the consumer credit profile and along with the debt the collector updating the records that took place in regards to this debt that was place on the consumer credit profile
Product: Credit card or prepaid card

Purchased a bed from XXXX XXXX  They delivered the bed in damaged condition with stains all over it. While the delivery guys were still at my house I sent the salesman 17 photo 's of stains on the bed as well as damages the delivery guys did to my house. The delivery guys refused to take the bed back with them and left before I got off the phone with the salesman. XXXX XXXX submitted a FORGED Delivery Receipt with a signature that is supposed to be mine but isn't mine. In fact it just looks like a big " XXXX ''. It's absolutely ridiculous!!! So my credit card ( Barclays ) originally credited me for the purchase price of {$1300.00} but then they turned around and gave XXXX XXXX  back their money. I called XXXX XXXX XXXX  Corporate Office on the day this mattress was delivered and complained also. XXXX XXXX refused to come and pick up their mattress so I brought it back to their store myself. So at this point I am out {$1300.00} and have no bed!!!! THIS IS INSANE!!!! The NC Attorney General Is working on this also Case # XXXX XXXX XXXX. I'm filing this complaint in Delaware because my credit card 's HQ is in your state. Barclays XXXX XXXX XXXX XXXX XXXX, DE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against XXXX XXXX XXXX account # XXXX on XX/XX/2023 because I found inaccurate reporting on my credit reporting from XXXX XXXX XXXX and according to the FAIR CREDIT REPORTING ACT I have the right to 100 % accuracy on my credit report. I complained about the inaccurate DATE OPENED, HIGH CREDIT DISCREPANCIES, LAST REPORTED DATE DISCREPANCIES, DATE LAST ACTIVE DISCREPANCIES, DATE OF LAST PAYMENT DISCREPANCIES, & TWO-YEAR PAYMENT HISTORY DISCREPANCIES. The company responded on XX/XX/2023 that the information reported on my credit report was verified and accurate which is completely false because I pulled my credit report after my monthly report updates on XX/XX/2023 and XXXX XXXX XXXX still has inaccurate information and discrepancies reported on my credit report. The law states that if ALL inaccurate information & discrepancies arent updated within 30 days of the complaint then the account MUST be DELETED from consumers credit file. I request that the account is deleted from my credit report immediately! 
I have attached documents to support my claim such as : - XX/XX/2023 credit report with account, inaccurate information, & discrepancies HIGHLIGHTED - XX/XX/2023 credit report with account, inaccurate information, & discrepancies HIGHLIGHTED - Companys response that verified was accurate and verified which is NOT TRUE. with response HIGHLIGHTED According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy section ( 5 ) ( A ) ( i ) states : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, there has been incorrect address associated with my credit report. Below I have listed the addresses that have been incorrectly reported on my credit report. 

Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX XXXXXXXX, WA XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Address : XXXX XXXX XXXX XXXX XXXX, IN XXXX
Product: Debt collection

CAPITAL ONE BANK USA N in violation of FDCPA and FCRA for the following : 1. Failure to respond within 30 days of receiving a dispute letter ; 2. Failure to report the account in dispute with the three major credit bureaus following the receipt of the dispute letter ; 3. Verification of the debt with the three major credit bureaus following receipt of the dispute letter and prior to validation or resolution of the dispute with me. Per federal law, creditors are required to respond within 30 days to a dispute. Per federal law, creditors are not allowed to verify an alleged debt with a third party prior to validation or resolution of the dispute with the consumer/disputing party. Finally, per federal law, if an account is under dispute or investigation, the creditor is required to document such status on the account with each of the major credit reporting agencies. 



TITLE 15 CHAPTER 41 FDCPA STATES ATTORNEYS ARE FRAUDS 15 USC 1692a ( 3 ) THE TERM NATURAL PERSON 15 USC 1692e- FALSE AND MISLEADING REPRESENTATIONS 15 USC 1692c ( d ) YOU ARE THE SOLE PERSON IN CHARGE 15 usc 1692k MONETARY VALUE 18 USC 8 TELLS US ALL OBLIGATIONS ARE FOR THE UNITED STATES NOT THE NATURAL PERSON.

28 USC 3002 ( 15 ) TELLS US THE UNITED STATES IS FEDERAL CORPORATION UNDER JUDICIARY LAWS An affidavit unrebutted stands as Truth. 

Affidavit uncontested unrequited unanswered ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ) ; Cert XXXX Denied, XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit. '' XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) An Affidavit uncontested unrebutted unanswered, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, clearly states at point # XXXX that " uncontested allegations in affidavit must be accepted as true ''
Product: Debt collection

Conduct a thorough reinvestigation of the following disputed accounts or items from collections agencies Hunter Warfield for {$940.00}. I reached out to company requesting detailed accounting of the owed amount finding out very little but the original creditors are XXXXXXXX XXXX which I never lived. I filled a dispute with all three credit bureaus and the account was returned as accurate
Product: Debt collection

I initiated a dispute with the company against the debt claim. This debt is not mine and it is past the statute of limitations. It is an old claim