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

DATE : XX/XX/2022 RE : DEBT VALIDATION LETTER ATTN : LEGAL DEPARTMENT Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating 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 your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may 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 and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX Beneficiary ALL RIGHTS RESERVED WITHOUT RECOURSE XXXX
Product: Mortgage

XX/XX/XXXX ..started refinance with Citibank, XXXX XXXX XXXXXXXX XXXX  XXXX, MO XXXX Loan amount {$120000.00}, interest rate 3.125 % at present ( almost 7 months later ) {$120000.00} Paid with credit card XX/XX/XXXX {$620.00} for home inspection etc Home Inspection XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Credit Score as of XX/XX/XXXX XXXX All copies requested sent promptly Credit and Income approved XX/XX/XXXX Was advised in XXXX, nothing else was needed at that time, but would promptly let me know, and was in underwriting awaiting closing. Estimation went from XXXX, to XXXX, XXXX XXXX, XXXX, and now the end of XXXX. The delay all being blamed on Covid, and staff working from home I started this process with XXXX XXXX XXXX ( just giving me one excuse after another for the delay XXXX XXXX XXXX ( over XXXX ) XXXX XXXX XXXX ext XXXX The interest rates are slowly going up ( at present my interest rate is 5 % ) and with this delay it is ended up costing me going with another lender. If they are not going to follow through I certainly want my money back and promptly
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following inquiries XXXX XXXX Inquiries on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Inquiries on Inquiry on XX/XX/XXXX, XXXX, XXXX XXXX XXXX Inquiry on XXXX XXXX XXXX, XXXX XXXX Inquiries on XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, EQUIFAX MORTGAGE SERVI Inquiry on XXXX XXXX XXXX, XXXX Inquiry on XXXX XXXX XXXX, XXXX XXXX XXXX  Inquiry on XX/XX/XXXX, XXXX Inquiry on XXXX XXXX XXXX. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act several accounts have 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 purpose Equifax, XXXX, and XXXX have gone this repeatedly on my credit reports. 

I am requesting that the information be corrected, and removed immediately as it is damaging to my credit report in trying to obtain any kind of credit to prevent homelessness, and other funding options. 

I am forwarding this information also to my attorney. 

Thank you cfpb for your attention to this matter. 

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

On XX/XX/2021, I filed an dispute about incorrect information showing on my credit report and it's be well over 30 days and I haven't received any investigation results.
Product: Debt collection

This item was previously disputed by CFPB ... 
XXXX removed the collection charge of {$260.00} from my XXXX credit report. However, now Enhanced Recovery placed a collection charge on behalf of XXXX for {$260.00}. This item is not a viable item because I returned my device and paid the account in full and provide documentation on the previous complaint # XXXX
Product: Debt collection

I am a victim of ideninity theft reported to usaa XX/XX/XXXX FRAUD {$470.00}. FTC CASE XXXX XX/XX/XXXX - XX/XX/XXXX USAA never resolved ANY fraud. I have been fighting usaa attempting to get usaa fraud credits since XX/XX/XXXX. USAA HAS DESTROYED MY CREDIT COLLECTING ON THIS ID THEFT. Finally XX/XX/XXXX usaa provided fraud credits {$460.00} WITH NO NOTICE OF THIS CREDIT AS PER POLICY. WHY NO NOTICE?? I have called 6 times usaa REFUSES TO TELL ME SPECIFICALLY WHAT PURCHASE DATES THIS FRAUD CREDIT IS PAYING FOR XXXX USAA HIDES THESE FRAUD CREDITS. USAA WILL NOT PUT IN WRITING THE DATES THIS FRAUD CREDIT COVERS ( BECAUSE ** IT IS YEARS LATE. ) USAA DOES NOT WANT THIS IN WRITING. ** I HAVE A RIGHT TO WRITTEN DOCUMENTATION WHAT THESE CREDITS ARE PAYING FOR ON THIS INACTIVE. CLOSED ACCOUNT. WHY IS USAA COLLECTING ON ID THEFT case XXXX reported XX/XX/XXXX??? USAA NEEDS TO PROVIDE WRITTEN DOCUMENTATION ON THE ABOVE TO MY HOME ADDRESS.
Product: Money transfer, virtual currency, or money service

Hello, on the date XX/XX/year>2025 I bought 2 monney orders one for {$200.00} dollars and one for {$1000.00} dollars and I deposited them into my bank account atXX/XX/XXXX and the bank returned the money orders as fraudulent checks. 


That caused the bank to freeze my funds for a month and in the end they ended their relationship with me by closing my account that affected my image and my credit I dont know why the money orders didnt have funds. 

Maybe an Amscot employee deposited the money orders first before selling them to me.
Product: Credit card

Called and spoke to a representative and received payoff amount over phone. Paid payoff amount $ XXXXover phone with representative on XX/XX/XXXX. Received statement in mail for an additional {$100.00} dated as interest due for XX/XX/XXXX 2 days after account was paid in full. Company not willing to remove stating it is interest due on initial purchase? There have been no additional purchases this account is closed as per the representative. There are returned charges as I tried to set up auto payment with savings account and it did not go thru it had to be a checking account which is not stated on their website
Product: Student loan

I was a student at the defunct XXXX XXXX and they recently lost a lawsuit for predatory loans. I was enrolled XX/XX/XXXX - XX/XX/XXXX. While I did complete the program, the loan amounts are so astronomical for a 2 year program. Due to the fact that they have been closed and sued, I would like to request forgiveness for the loans. I have filled out a form on the FAFSA site, and due to me not being active during the XX/XX/XXXX closure, it says that I did not meet the requirements. 

Loan Type DIRECT School XXXX XXXX XXXX Current Owner U.S. DEPARTMENT OF EDUCATION Guarantor DEPT OF ED/XX/XX/XXXX Disbursement Date XX/XX/XXXX Original Principal {$47000.00} Loan Type DIRECT School XXXX XXXX XXXX Current Owner U.S. DEPARTMENT OF EDUCATION Guarantor DEPT OF ED/XX/XX/XXXX Disbursement Date XX/XX/XXXX Original Principal {$24000.00} Total Current Balance : {$86000.00} Total Number of Loans : 2
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a credit card that I wanted to make payment arrangements but I was told they don't do this now my account has gone to a law office to get the full payment account # XXXX Date XX/XX/2022 attorney review
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports that need to be corrected and removed in my file immediately : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX PL XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00}
Product: Money transfer, virtual currency, or money service

I've had several transactions made to my account with no explanation. I've ordered new cards on different occasions and the matter is still the same, just random withdrawals and purchases.
Product: Credit card or prepaid card

Citi Bank through their Card Services division is using their size and might to influence legal transactions by discouraging the legitimate commerce in otherwise private transactions. Specifically Citi is advocating for XXXX groups by refusing to do business or allow business transactions to occur using their credit/debit card services for firearms and firearms accessories. It is not, in any manner, a good business model for a large corporate bank to stick their nose into my affairs by tracking/assessing what goods and services I choose to purchase which are legal, and thereby disallowing my transaction to occur simply because of the Citi mantra in how they want to influence the marketplace.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a letter captioned LexisNexis, informing me that [ 1 ] report ( s ) of negative information added to your file. This letter instructed me to access : XXXX XXXX XXXX and after reviewing the information requested they claimed I would receive a US Mail letter with additional information explaining how to access this negative information electronically. On XX/XX/2022 I mailed a complaint letter to LexisNexis denying any knowledge of any negative information, stating never being aware that I even had an account in my name and wondering if this could be some sort of phishing fraud. By copy of this letter I requested the Colorado Attorney Generals ' office to verify if this was indeed a scam of some sort. The Attorney Generals office replied in todays mail, stating they would keep my information on file and referred me to your good offices. Since there has been no response from LexisNexis to-date, I am concluding more strongly that this is some sort of scam or fraudulent attempt to obtain personal information about me.
Product: Checking or savings account

Here is the summary of the banking issue faced by XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX with Chase Bank regarding a rent deposit refund check. 

* Residential Details : The trio resided at XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and moved out on XX/XX/XXXX. The apartment was rented under the names of XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. 
* Check Details : Upon moving out, XXXX XXXX issued a check for the rent deposit refund amounting to {$3900.00} ( check number XXXX ), payable to all three tenants. The check was issued on XX/XX/XXXX, and sent to their new address at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX. 
* Bank Issue : XXXX XXXX tried to deposit the check online using her Chase bank account. However, the check stayed in a 'pending ' status for an extended period before XXXX XXXX account was unexpectedly closed by Chase XXXX 
* Bank Visit and Verification : Following the account closure, all three individuals were asked by Chase to appear in person at the bank branch to verify their identities. Despite XXXX and XXXX being out of the country, all three of them managed to visit the Chase branch. They presented two forms of identification each and were informed by XXXX XXXX XXXX, Assistance Vice President, Private Client Banker - SB/MOD, that XXXX could XXXX a new account, and the funds would be credited within five business days. 
* Delay and Non-Fulfillment : Despite repeated assurances, the money was not credited to XXXX 's new account. Instead, they kept receiving calls for re-verification and were continually redirected to other staff members. 
* Inability to Issue New Check : Meanwhile, XXXX XXXX attempted to issue a new refund check but were unable to retrieve the original funds from Chase Bank. 
* Fraud Department Interactions : After approximately six weeks, Chase called again, informing them that the fraud department was providing " push-backs '' and they could no longer assist. The bank promised to reach out with instructions on filing a complaint, which they never did. 
* Evidence : XXXX received a letter from the bank showing the debit transaction details of - {$3900.00} and stating that her account was closed on XX/XX/XXXX. She also received multiple voicemails from Chase 's executive office, with the case number XXXX. 

The clients are left in a precarious situation with their rightful funds unjustly withheld by the bank. They are looking for legal assistance in retrieving their money from Chase, which they believe was unjustly taken under the pretext of a fraud suspicion. 


This is the Chase case number XXXX XXXX phone XXXX ( XXXX ) XXXX extension XXXX XXXX phone number ( XXXX ) XXXX extension XXXX Infos of XXXX branch person we spoke to at Chase XXXX XXXX XXXX XXXX XXXX Assistance XXXX XXXX Private Client Banker - SB/MOD NMLS ID : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX Office XXXX XXXX Service Line : XXXX XXXX XXXX
Product: Credit reporting

In 2015 I requested a copy of my ( XXXX ) credit files from each of the bureaus but only received my report from Equifax in which I found a judgment from XXXX XXXX XXXX for an account that I knew nothing about. Whilst investigating this information I approached XXXX XXXX Courts file room using the case number reported in my report, it was established that there is no record of this case number or any account in my name warranting this inclusion in my credit file. I am requesting that Equifax make right the problem and delete this entry from my credit history and furnish me with an updated copy of my credit report showing the deletion of this entry.
Product: Credit card or prepaid card

This is a follow up to a complaint I submitted on XXXX XXXX. I did send several followup E mails to you to inform you what has happened since theXXXX I asked for responses, but never got any, so Im not sure that you received my follow ups. I sent them to XXXX What I sent to XXXX I need to submit a follow up to a complaint that I originally submitted on XXXX XX/XX/2020. Your site wont let me log on or create a new acct. The page just comes up blank, yesterday and today. So Im emailing you now. Please forward this to the proper dept or reply and give me the email address ( not ph # please ). 

On XXXX XXXX I submitted a complaint to you against Chase credit card. Sometime after that I received a ph msg from chase telling me that they will look into it and get back to me. Then on the XXXX I received email from your office indicating " The company has responded that it is still working on your issue. '' Then yesterday the XXXX of XX/XX/2020 I got an email from chase stating " We confirmed your disputed transaction ( s ) are valid and will remain on your account. '' This is a form letter with no specific info concerning my dispute. Then later that same day I got another ph msg from chase indicating that they are still looking into it and will have a resolution within 5 days. 

Those two messages from chase contradict. 

chase has not requested any additional information from me on this dispute. 
-- -- -- -- -- -- -- -- -- -- -- XXXX XX/XX/2020 Additional note : It has been over 5 days since the XXXX and I have not heard back from chase ( as promised ). They did add the XXXX $ back onto my next card statement, but did not include it as a line item. The only way I know is that I added-up all the charges listed, and that comes to XXXX less then the amount they are billing me, due XXXX XXXX That is sneaky. I dont want to pay this, I dont owe this amount. They never even investigated it. Ive asked a few times for a copy of their investigation and I get nothing. Chase used to be much better at truly investigating billing errors. I think that changed after the merger. 

Please look into this. 

thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove this fraudulent account from my Consumer Profile XXXX XXXX Date assigned XX/XX/2016 {$470.00} I reported to this company and to the bureaus that this is a fraudulent account in my name and must be removed asap! i have written to this company and asked them to send me the original contract with my original signature and original lease the company could not provide this info and neither could the bureaus which lets me know further that this is an act of fraud and a crime. I am the only natural person that can validate or give consent of an obligation that you the debtor says belongs to me. According to federal law 15 USC 1692 ( e ) disputes the validity of this so called obligation and i have not received any original contract connecting me to this fraudulent account. This has hindered me and my family in obtaining credit and is a violation and crime of my consumer rights and has caused damages to my XXXX XXXX and welfare to maintain my home, because of your companies failure to validate this so called debt, i am entitled to compensation according to federal law 15 USC 1692 ( k ) any person is liable to such person in an amount equal to the sum of XXXX according to F.D.C.P.A 15USC 1692 ( k ) and can and will be filed in the U.S district court.. 
REMOVE account asap and compensate acct # XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Thank you XXXX XXXX XXXX
Product: Prepaid card

Unable to obtain balance or transaction data from sources listed on card ( website, phone number ).
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between your company and me. 

Please update the following account : XXXX XXXX Balance : {$260000.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX paid in full tried to dispute XXXX XX/XX/XXXX paid in full tried to dispute XXXX XXXX XX/XX/XXXX to old to be on my account tried to dispute XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX two different dates tried to dispute XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX tried to dispute to old to be on my account XXXX  XX/XX/XXXX do not recognize this account tried to dispute XXXX XXXX XX/XX/XXXX paid in full tried to dispute
Product: Debt collection

Received unsolicited checks in the mail as a XXXX, impoverished senior citizen. Ignored first XXXX, but did deposit the third check. I tried to make the payments with the high interest rates, but ultimately failed. Republic Finance , LLC began an unprecedented level of harassment and threats of legal action. By XX/XX/XXXX, XXXX XXXX was informed by my nonprofit attorney of my financial situation being only Social Security income. The address they mailed the unsolicited check to is a HUD low income based apartment building for seniors. I wish I could show you the unending stream of calls that continue to follow throughout XXXX on my cell phone. In XXXX, they were sent a repeat letter from my lawyer. Then, last month -- in XXXX, they had their process server leave papers outside my front door to sue me. At this point, their motive is the clear exploitation and intimidation of a XXXX senior citizen over the age of XXXX in XXXX. They are simply doing this to cause me mental and emotional distress by their harassment as it is abundantly obvious their actions will not gain them any money. It is their business model to target weak, vulnerable and poor seniors and harass us to pay their usurious rates on solicited " loans. '' They need to stop this unethical practice that causes XXXX seniors to suffer physical and mental stress.
Product: Debt collection

In reviewing my credit report, I noticed that I had a collection from a company called AD Astra Recovery. I attempted to reach them by telephone in XXXX of XXXX. On XX/XX/2022 I sent them a fax, as I was provided the number by the operator and told to send in a request for information as they would not release it over the phone. You can see by the attached Fax Log that the fax was sent at XXXX on XX/XX/2022 with the two pages attached. I attempted to verify the debt. Since that time, AD Astra Recovery has not provided any information nor responded to the fax. I believe that this is a violation of law and this item must be removed from my credit report immediatley.
Product: Debt collection

XXXX and XXXX sued me and submitted a fraudulent affidavit of service. I found ripped, soaked parts of the summons and complaint in a mud puddle outside of my home. I initially thought that is was only litter since it was in a literal mud puddle but then I saw my name on it. They subsequently sent me an affidavit of service as part of the lawsuit that was fraudulent. I was not even in the state on the day that they claimed I was personally served in the lawsuit. They use sewer servers in hopes that defendants will not receive the summons and complaint so that they can just get a default judgement without due process.