23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion customer service would not help and take care of the hard inquiries reporting to your credit report.I am a victim of their inquiry issue I spoke with transunion customer service on XXXX said to call back they would research XXXX no record of research being done call back XXXX no record of research, asked which hard inquiries I needed removed I listed them, advised wasnt part of the hard inquiry issue Filing complaint with CFPB Here is a list of hard inquiries that are not attached to any account and I havent signed for XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY CREDIT REPORT AND SEEN THAT I HAVE THESE INQUIRY ON MY CREDIT REPORT THAT I HAVE NO KNOWLEDGE OF AT ALL I ALSO HAVE FRAUD ALERT ON MY CREDIT REPORT AND THEY ARE SUPPOSE TO CALL TO VERIFYTHAT IT IS ME AND DID NOT              nquiry date XXXX XXXX XXXX  Removal date
XXXX  XXXX  Additional details
Business type
Finance, personal
Contact info
Address
XXXX XXXX XXXX XXXX,OHXXXX
Phone number
(XXXX) XXXX-XXXX
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 : KY XXXX XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

AXX/XX/XXXX I was billed for a XXXX XXXX Account that I never opened. XXXX had told me that they will close the account and send it to internal fraud. But, they sent it to collections. I later spoke with XXXX and Convergent ( debt collector ) several times. Convergent said they will close it. But I recently, XX/XX/XXXX, received two letters saying will settle for a reduced amount. This debt needs to be closed and removed from my credit report.
Product: Credit card or prepaid card

I am a victim of identity theft. I learned that my personal information was illegally used to open an account. The perpetrator ( XXXX XXXX ) of this illegal act is currently in XXXX for this very crime. I did not open or authorize this account, and I, therefore, request that it be closed immediately. I also request that the company absolves me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files. 

Your company did an investigation into my identity theft claim and determined that this specified account was valid for several reasons and that I was liable for the following reasons : Identification information provided at the time of the application verified as belonging to me ; - The address listed on the application was verified as belonging to me ; ( Original Creditor ) has no record of returned mail or statements from the address verified as belonging to me ; - The credit card was mailed to my address ; - Several payments were received from a debit card and ACH checking account in my name. 

The reasons provided are circumstantial and your investigation neglected to account for the fact that the person who stole my identity was XXXX while I XXXX in the military which gave him access to : - Said identification information that was provided at the time of the application ( which was not authorized ) - The address verified as belonging to me and listed on the application is my address and is currently my address to date. ( The perpetrator XXXX while I was XXXX, which means he resided at my address ) - XXXX returned mail or statements from the address ( why would the perpetrator return the mail that he was trying to steal. ( He was trying to utilize my resources ) - The credit card was mailed to my address ( He was house-sitting, he was at my address, so he received the mail ) - Several payments were received from a debit card or ACH checking account in my name ( the perpetrator house sat for me, and had access to sensitive information, passwords to my computer which gave him access to my bank account information. )
Product: Debt collection

In XX/XX/XXXX my husband had the internet account and I had landline account. We moved addresses together and XXXX merged the accounts without our permission. When they did this an erroneous balance was created. XXXX claims I was making payments to the wrong account number ( which they had merged/changed without notifying me ), this was not true. I dealt with XXXX in XX/XX/XXXX after I received a collection notice and after HOURS of my life wasted chasing down tickets was told the issue was resolved. Imagine my surprise when 2 years later, in XX/XX/XXXX I received a collections notice stating I owed XXXX {$210.00} from XX/XX/XXXX. I have spent many hours creating a new ticket and trying to reconcile this. XX/XX/XXXX- 40 minutes with XXXX , being told ticket was pulled from collections and being investigated XX/XX/XXXX- 36 minutes with XXXX told ticket XXXX would take 2 more weeks to process and to call back on XX/XX/XXXX XX/XX/XXXX- no notification about any resolution, received call from collections agency. 
called and was on hold with XXXX for 20 minutes before being hung up on.

I need help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

The account below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX  XXXX : # XXXX has violated my rights. The Listed account above has flawed information under between 3 different credit reporting agencies in XXXX, XXXX, and Experian. XXXX XXXX is the Date account opened which differs from the XXXX and Experian ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). Second Flaw is the High Credit Amount which differs between XXXX and Experian ( {$2300.00} ) from the XXXX Report ( {$0.00} ) Third Flaw is the Last day reported on the account which differs from the XXXX and Experian ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). Fourth Flaw is the Last day Active report which differs from the Experian and XXXX ( XX/XX/XXXX ) report from the XXXX report ( XX/XX/XXXX ). Final Flaw reported was the date of last payment reported which differs from the XXXX and Experian ( XX/XX/XXXX ) from the XXXX report ( XX/XX/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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I have tried to communicate to the companies involved through the XXXX  otherwise known as the XXXX XXXX XXXX and I have not received an accurate resolution in regards to my issue and the companies involved are taking extremely long for a resolution as it pertains and negatively affects to my mental health, sanity, and well being.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$590.00}
Product: Credit reporting

inquiries.. hard and soft are popping up on my credit report that I have no knowledge of. EX : XXXX, XXXX, XXXX, XXXX and much more .... can these items be removed please..
Product: Credit reporting or other personal consumer reports

I am coming to you because I'm a victim of Identity theft. There are a lot of things on my credit report that are inaccurate due to fraudulent activity. Someone has stolen my identity and opened accounts using my personal information. I've been complaining with the credit bureaus to have these accounts removed but nothing has been done. I don't recognize the following accounts on my credit report : XXXX XXXX XXXX XXXX XXXX acct number XXXX for {$1200.00}, Credit XXXX XXXX ( XXXX  ) acct number XXXX for {$100.00}, XXXX XXXX acct number XXXX {$14000.00}. I'm seeking your help to have this fraudulent information removed from my report
Product: Debt collection

I, XXXX XXXX entered two timeshare agreements on XX/XX/2020, entitled XXXX XXXX XXXX XXXX with the provider XXXX XXXX XXXX XXXX XXXX. Per the terms of the agreement, I requested to cancel the timeshare on XX/XX/2020, within the allotted five ( 5 ) business days. The request was made per instructions of clause seventeen in the timeshare agreement entitled " XXXX XXXX '' via a certified letter, signed and notarized. It was faxed and sent via email to my appointed point of contact for XXXX XXXX XXXX de XXXX XXXX XXXX and XXXX XXXX from XXXX XXXX. 

XXXX XXXX assured me that I was in the right of my contract and that the timeshare would be canceled. Soon after our conversation, I received numerous calls from XXXX XXXX XXXX XXXX XXXX sales representatives pleading with me to downgrade my package instead of canceling. After much debate, I was assured my request would be granted and would cancel the timeshare. Leading up to the cancelation of services, contact between myself and the quality assurance representatives seemingly ceased. Despite numerous calls, voicemails and emails, I was no longer able to contact XXXX XXXX nor XXXX XXXX. 

I filed a claim twice with Barclay Cards ( whom I opened a credit line with XXXX XXXX XXXX XXXX  XXXX to purchase these timeshares ). Barclay cards denied my request twice, despite all my documentation from the company agreeing to cancel the timeshare agreement and reimburse all monies paid. I am now receiving notifications daily. My account with Barclays card is delinquent, and y credit has significantly dropped ( 77 points ) despite a perfect payment and credit history aside from this matter. 

I am writing with a request to cancel these two timeshare agreements and relinquish myself and others from this unfair, fraudulent practice.
Product: Debt or credit management

Back in XXXX XXXX  There is a lawsuit on lexington law service company for charge costumer money and not doin there job. They pay back the costumers thru paychecks by mail
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX  Re : XXXX XXXX XXXX - XXXX I recently reviewed my credit report and found some errors in the reporting of XXXX XXXX XXXX - XXXX. You are reporting information about me that is inaccurate. All the three credit bureaus are reporting different balances and payment information. This account has not been properly verified. Delete the following account immediately for failing to comply with the FCRA : XXXX XXXX XXXX - XXXX Thank you for your time, XXXX XXXX
Product: Credit card

I used auto debit from my checking account tied to my credit card, which the card was from the same bank. At various times I would change the amounts auto debited to pay my credit card bill. Unbeknownst to me the new amount would not cancel the old amount so they would stack on top of each other. I was dealing with my dads health issues so I didnt realize what was happening. Then it just became a vicious circle of them taking money out of my checking account, putting me in the hole then they would take cash out of my card to put back into the checking. And all this time Im paying all this interest and fees, just a merry go round of money. When my bank was Suntrust the new auto debit I would select would cancel out the old auto debit. Apparently Truist changed it up. They told me thats not the way it works. I was dumbfounded how they go about auto debit to make payments. I have all the old account records from the day they became Truist. Closed out account on XXXX  and theyre still saying I owe them money. XXXX bank!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I noticed some inaccuracys contained in my credit report. Due to the recent data breechs and identity theft I contacted the TRANSUNION on XX/XX/2018, and notified them of the inaccuracys and asked requested additional information from my consumer credit file so that I could compare it to my records. Additional I listed and detailed the inaccurate information published on my credit report and sent in physical evidence so the bureau could see proof for themselves. 

TRANSUNION has not challenged or disputed the evidence I sent but only claims to have verified the obvious inaccurate information. 

To date TRANSUNION has failed provide any documentation to support their alleged investigation or remove the inaccurate information. Yet, TRANSUNION continues to knowingly publish false information about me for others to view. 

I know Im just a little guy. What can I do to get this large company to follow the law?
Product: Vehicle loan or lease

I got a loan through Wells Fargo for my car in XXXX  and became aware that it wasnt just me but millions of other consumers who received high interest and fee rates from Wells Fargo due to their settlement claim.
Product: Checking or savings account

I used mobile deposite to put my two paychecks in from my work place, together over {$1300.00} and it's being withheld from me for an extra 9 days. I get paid biweekly and all my money for my NOW past due bills is in there. I called TD bank twice and they pretty much told me " oh well '' and wouldn't even give me a reason why they are being held. At this point I want my money and to close my account.
Product: Credit card or prepaid card

In 2019 I became a member of XXXX XXXXXXXX XXXX. I chose a NON-renewable membership. Within the last two months, XXXX, thru Capital One Bank, has opened a line of credit in my name without my permission, and has entered amounts in excess of {$250.00} as charges against that account. I have received a card that I have not activated, and been billed by Captal One for a past due amount, with a treat of late payment charges.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15USC1681 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Equifax, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information is not shared per 15USC6801 which also states " It is the policy of the Congress that each financial institution has an obligation to respect the privacy of its costumers and to protect the security and confidentiality of those customers ' nonpublic personal information. Neither of the XXXX reporting agencies have requested nor received my written consent to furnish any information to my consumer report. 15USC6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX nor Equifax informed me of my right to exercise the nondisclosure option. 
USC1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 XXXX years. '' Several of the reported accounts are adverse items they are reporting without my permission which is against the law. 
15USC168c states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. None of the reporting agencies are maintaining reasonable procedures.

15USC1681 ( a ) ( 2 ) states a consumer report DOES NOT include ( i ) transactions or experiences between the consumer and the person making the report. I have several late payment transactions reporting on my consumer report which adds another violation.

15USC1681 ( 3 ) Restriction of sharing of medical info.

( a ) medical info ( b ) list or description based on payment transactions of consumer for medical products or services.

15USC1681n " Any person who willfully fails to comply with respect to any consumer is liable to that consumer in an amount equal to ( 1 ) ( a ) damages sustained by consumer as a result of the failure of damages less than {$100.00}, but not more than {$1000.00} ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was checking my credit reports to make sure things are accurate. I noticed all the hard inquiries are unauthorized and I didn't apply for any. I sent a letter to all credit agencies and it hasn't been deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to XXXX on XX/XX/2019 informing that the information regarding these accounts is inaccurate : XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX   ; XXXX XXXX XXXX ; XXXX. Their reports listed errors in payment amount, payment history, status date, closed date and charge off for XXXX XXXX XXXX ; XXXX ; XXXX & XXXX XXXX XXXX. They deleted XXXX XXXX XXXX XXXX. 

When they sent their Disputes Result # XXXX of XX/XX/2019, they actually changed information from the report in which I found the inaccuracies ( report # XXXX of XX/XX/2019 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Report confirms XXXX XXXX XXXX  Account STATUS OPEN opened XX/XX/2004 Limit {$6.00}, XXXX XXXX Bal. THIS APPEARS AS AVAILABLE CREDIT PREVENTING MORE CREDIT. * Also Credit Report confirms NO PAYMENT HISTORY HAS BEEN REPORTED BY THIS CREDITOR. I believe THIS FIX WILL INCREASE MY CREDIT SCORE when accurately reported by XXXX XXXX XXXX. I HAVE EXCELLENT CREDIT THEY DO NOT REPORT? I request this status be closed AND I request my good credit BE REPORTED TO ALL 3 CREDIT REPORTING COMPANIES.
Product: Prepaid card

I had an American Express prepaid XXXXcard that loaded with my own funds. I used it to upgrade a previously purchased XXXX XXXX ticket ( {$860.00} ) for another about {$270.00} to include a stopover I wanted ( total ticket price : {$1100.00} ). Due to a change in plans, I then had to cancel the whole ticket. XXXX XXXX refunded the entire ticket price to the prepaid REDcard ( instead of just the upgrade fee of {$270.00} ). 
When American Express saw this, they immediately closed the account and froze the funds, accusing me of " fraud ''. I called everyone in the company I could to try to resolve but was met with indifference and lies such as " we do n't know where the money is ''. It took weeks until XXXX day a check showed up at my house refunding me all of my money I loaded into the account, minus the {$270.00} I used to upgrade my XXXX ticket, which American Express claimed was " sent back '' to XXXX together with the base fare of {$860.00}. 
Meanwhile, XXXX XXXX claims they never got any refund " sent back '' from American Express. I 've called American Express countless times but i am either ignored or told that " they do n't know ''. 
I am still waiting for the the refund of {$1100.00} that American Express claims to have " sent back '' to XXXX but XXXX insists it never received it. 
Worst of all, American Express NEVER made any attempt to contact me to verify the charge. Instead, they immediately shut down the account, accused me of " fraud '', froze the funds for weeks " pending investigation '' ( for which I had no say nor any opportunity to explain ), and then only refunded to me part of the funds that were in the account.