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

To Experian reporting for XXXX XXXX XXXX : I am writing this letter to formally dispute the alleged debt associated with the account mentioned above, in accordance with the provisions of 15 USC 1692g. As a consumer, I request that you provide me with verification of this purported debt. 
I am seeking concrete evidence that clearly establishes this alleged debt as mine. Please ensure that the verification you provide includes a formal declaration, sworn to be true and accurate, with firsthand knowledge of the matter, and duly notarized, as required for proper verification. I request that you conduct a thorough investigation of this account and provide me with the following information to validate the debt : A copy of the original signed contract or agreement between myself and the original creditor. Statute of limitations and last payment missed on the debt. 
An itemized statement of the account, including the principal amount, any interest, fees or charges applied. 
Proof that the collection agency is legally authorized to collect this debt on behalf of the original creditor. 
Proof that I have a contract with XXXX XXXX XXXX bearing my signature. Provide insurance claims of the debt. 
As outlined by the Fair Debt Collection Practices Act, I expect you to cease all collection activities related to this dispute debt until its validity is confirmed. This includes any reporting to YOUR COMPANY, Experian also to XXXX, and XXXX. I want to emphasize that I have not granted you consent to communicate with me through any means. Furthermore, I did not authorize the release of my personal and private information to your agency, which, in effect, constitutes aggravated identity theft. I also want to reiterate that I did not authorize the reporting of any information in my name to consumer reporting agencies. Your non compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act has been noted, as you shared my nonpublic personal information with non affiliated third parties without providing me with a compliant notice under section 6803 and an opportunity to opt out, as required by 15 USC 6802. In line with my rights as a consumer, I hereby request that you provide me with the Aggravated Value of Purchase document, which explicitly details the price you paid for this particular debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

The XXXX  and XXXX  Credit Bureaus are reporting inaccurate information on CAPITAL ONE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

FCRA XXXX appears to necessitate removing any incorrect accounts from my credit report. Can you look over the documents? Several accounts have inaccuracies in the reporting, amounts, and dates.
Product: Debt collection

Good Afternoon, I was previously a client of  XXXX   XXXX   XXXX . They had provided me with exceptional service and had great products. I was charged a ridiculous amount of money   ( {$2200.00} ) in long distance calls, I never made. I attempted on numerous occasions to have them review this, I asked them if a copy of my passport of proof of residence was needed to clarify this matter. They advised I would receive a letter in the mail explaining my options and thanked me for been a loyal client.
Later I received several calls from DIVERSIFIED CONSULTANTS INC  , a collections company. They made numerous calls at all hours and many more after I advised them to please not contact me during working hours. They advised this would ruin my credit, specially after I mentioned I was in the process of buying a home. I asked them to please help me cure the issue, since  XXXX   XXXX   XXXX  never helped me, clear a debt, for calls I never made out of the  U.S. DIVERSIFIED CONSULTANTS INC  advised they would help me, but I had to pay {$1200.00} and they would clear this issue. This was not fair, but I needed to make any and all attempts at saving my credit history. I made the payment against my own will, and they advised it would not be reported, nor will it affect my credit history. I complied with their unfair and devious collections tactics, in an attempt to save my credit.     I ask you please help me remove this account from DIVERSIFIED CONSULTANTS  INC  /  XXXX   XXXX   XXXX  ( Act #  XXXX  - Agency Ref #  XXXX  ) from my credit reports.     I thank you in advance for your consideration and help resolving this damaging and unfair act from  XXXX   XXXX   XXXX  and  Diversified Consultants Inc  XXXX .
Product: Credit card or prepaid card

I had the capital one secured card. Paid the {$200.00} refundable deposit. Filed bankruptcy. They will not return my deposit been trying for 2 months now. Card is closed!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inqueries not recognized/authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I noticed Wells Fargo ( WF ) was charged my account {$10.00} in month XX/XX/XXXX. I called WF and told them why am I being charged for my Essential Checking tht requires account holder to use debit card 10 times a month to avoid a monthly fee. They kept transferring me to different departments and finally some XXXX XXXX said in XXXX my account was changed to a Checking Account where I have to keep over $ XXXX in it or get direct dep. So, I haven't been employed since I had XX/XX/XXXX cause I was in the beginning of my XXXX XXXX trimester and I was having a high risk XXXX so I stop working at start of XXXX month XXXX. So, from XXXX whatever month until XX/XX/XXXX they were charging my checking account, I'm thinkin XXXX! Where was the letter where I was put on notice of this change. WF had no answer for me, saying they probably emailed me. I then told them send me the proof of change and proof why they took {$5.00} out of a refund check from XXXX claiming I owed money from a XXXX XXXX XXXX account. I made this request since XX/XX/XXXX and it is now XX/XX/XXXX WF has sent me nothing all info is word of their mouth. I'm like if I owed- {$5.00} since 15 years ago why wait till now to get - {$5.00} out of money coming to me instead of giving me notice when I opened this checking account tht I just closed in XXXX. You can't just tell me I had an old balance and thts why you took the balance out of a refund check for me to cover the balance tht was never disclosed to me by documentations while I had a checking account opened after this old account. I'm confused by the way Wells Fargo conducts their business. I want my money!! Wells Fargo better pray to XXXX I dnt sue for the fees occurred from this I account they gave me as an alternate to the one they discontinued. I also have the letterhead from their Recovery Department stating why they took my money. FYI, even on the letter WF lied saying due to no accounts open with my name is why they took the money but my checking account was open for over 5 years ending in XXXX and my current savings account still open
Product: Student loan

In mid XX/XX/2021 I received a letter in the mail from Aidvantage saying I had a great opportunity through some government program that I have the possibility of having my student loans forgiven or reduced. I called the number and started the whole process. I sent in documents, paid them {$800.00} to consolidate my XXXX or XXXX loans into XXXX loans. They said this would greatly reduce my monthly payments. I gave them permission to auto draft my monthly payments once the pause on student loans were lifted. They began pulling {$40.00} a month ( that was agreed apon based on my income ) in XXXX. I thought this was odd since the pause on student loan payments had been extended. I decided to keep going with the payments thinking that I may as well get a head start on these payments since there will be no interest until the payments are unpaused. Around XXXX was when I started getting phone calls from another document prep agency that also works with Aidvantage saying that I still had stuff incomplete. I call them and they start going through the whole process again. I tell them that I already paid {$800.00} to consolidate my loans and that {$40.00} a month has been taken from my bank account for my student loans. They tell me they have no evidence of this occurring. They told me to call who I dealt with before, but I either keep getting a busy dial tone or a disconnected line, or I have to leave a voicemail. I have been trying to get in contact with the people who can help me figure this out to no avail.
Product: Debt collection

XX/XX/2018 called receivable management to enquire about debt that was on my credit. Was told it was from XXXX XXXX  XXXX. Was told insurance didnt pay them, called previous insurance company and they said it was paid. The amount they said was XXXX which they were asking for.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Equifax credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Balance : {$58000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reported 30 days late on my credit report. Once looking into why I was 30 days late, I noticed many discrepancies on my statements from my XXXX credit card. First, I do not have any statements listed on my online statements tab. Second, on my Online Payment History records, I lists payments and then lists them as payment reversed. On my Transaction history it only lists the history for XX/XX/XXXX and XX/XX/XXXX, both months having payments. On the transaction history are two different descriptions for payments. I have withdraws that state " PAYMENT-THANK YOU '' with the payment withdrawn ( XXXX ), I also have " ADJUSTMENT-PAYMENTS '' but a payment not withdrawn ( XXXX ). The Transaction History and Online Payment history do not have the same payments/payments reversed/adjusted listed. There are also payments that are on the Online Payment history that were not authorized, XX/XX/XXXX of {$35.00}, XX/XX/XXXX a {$38.00} charge was reversed yet this payment was not authorize so there should not be a reversed payment and there is a random reversal charge of {$.00}. The {$130.00} payment made on XX/XX/XXXX show that payment was accepted, and covered my XX/XX/XXXX payment, late fee and XX/XX/XXXX payment. This payment is clearly listed and was not reversed as the other payments have been. There is another payments that were accepted and not reversed, the payment on XX/XX/XXXX. 
I made a {$35.00} payment ( which was accepted ) on XX/XX/XXXX but the next was made XX/XX/XXXX of {$35.00}, but this was reversed. the next payment made XXXX, for {$97.00}, on XX/XX/XXXX, is the {$38.00} reversed payment, the XX/XX/XXXX payment was accepted but the unauthorized payment {$35.00} XX/XX/XXXX was reversed. 

Even with the payments I was never 30 days late, however, I never received a phone call stating my payments were reversed. They froze my card until I XX/XX/XXXX the XX/XX/XXXX and XX/XX/XXXX payments, which I did, and was then able to use my card. However, based on the reversed payments. Techincally, card should still be froze, I should be more than 30 days late, my minimum payment and balance should be higher. 

I spoke with my bank, XXXX XXXX XXXX, who stated that they can't see any of these transactions on my statement. This resulting in my credit score dropping XXXX points ( via XXXX XXXX ).
Product: Mortgage

The homeowner is a XXXX year old senior citizen who has a loan with One Main. The homeowner has been paying her mortgage on time since XX/XX/2000 which should have been paid off. The homeowner still have a balance of approximately {$4500.00}. XXXX contacted Lender for update status. This is a revolving line of credit. I have enclosed her payment history. She is not willing to pay anymore towards this mortgage until she receives some answers to where her mortgage payment is being applied and believes that she should receive a refund for over payments. She is asking that you please assist with this mortgage and provide an update.
Product: Credit card or prepaid card

On XX/XX/21 received a letter from Bank of America that they detected suspicious activity on my credit card and temporarily suspended my account ending in XXXX. Problem is I do not have a Bank of America Credit card and have never applied for one with that bank. I called the Bank of America 's fraud division and they advised me to notify the FTC, XXXX, XXXX and XXXX of the problem. Is this a case of credit card fraud or identity theft ; please let me know what to do. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint on a hard inquiry that was made on my credit report without my authorization.The inquiry was done twice in XXXX XXXX by a company called Premium Credit Bureau their address is XXXX XXXX XXXX XXXX XXXX, FL XXXX, Phone # XXXX. XXXX recently posted the hard inquiry to my credit report which decreased my credit score by XXXX points. I reported the issue to XXXX customer service informing them I was a victim of the inquiry issue they had, I received no help and they refused to take off the negative inquires on my credit report. I was told to contact the company and have them send a letter requesting the removal of the hard inquiry. I have tried to reach someone from the company for over a week now but to no avail. I am requesting for XXXX to remove the two hard inquires done by Premium Credit Bureau on my credit report that I did n't authorize. Thank You!
Product: Checking or savings account

Someone open multiple FRAUDULENTLY checking and savings accounts in my name along with trying multiple account openings with different financial institutions. I Call both credit unions and couldn't get into the accounts as I didn't know any of the phone numbers on the accounts, online banking username and passwords or phone passcodes. XXXX advised me that it was a different mailing address use to open the XXXX account. XXXX wouldn't give out any off that information. 

FRAUDULENTLY NAME REPORTED ON CHEXSYSTEMS REPORT ( XXXX ) XXXX XXXX FRAUDULENTLY ADDRESSES REPORTED ON CHEXSYSTEMS REPORT ( 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 FRAUDULENTLY PHONE NUMBERS REPORTED ON CHEXSYSTEMS REPORT XXXX XXXX XXXX XXXX ACCOUNTS OPEN FRAUDULENTLY ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX  # XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/year> XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I have problum with PNC bank auto department. last month XX/XX/XXXX, I call about payoff amount they told me {$14000.00} which they took from my acct XX/XX/XXXX I told them please cancel my auto debt from my acct, They told me we cancel auto debt, XX/XX/XXXX they took {$5000.00} again from my acct, I call pnc bank they told me by mistake we took but we will reemberse XXXX back to your acct today XX/XX/XXXX I call them do you send money but their answer it will take another 7 days to send ck, is it fair when we owe bank they charge interest every day so their mistake we suffer to get our own money
Product: Debt collection

I have been disputing the provided information to me regarding the amount of this account since it has been presented to me by the company. Most recently, I was contacted to be included in the FTC lawsuit against XXXX for it 's cramming discovery. I have since registered and have been validated as a customer with unauthorized charges added to my bill.
Product: Credit reporting

Equifax has failed to provide me with documents bearing my signature for a chapter XXXX bankruptcy which is shown on my credit report. I have initiated XXXX good will letters and they still have failed to provide me with documentation with my signature. Under FCRA law they must remove it from my credit report.
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on MIDLAND FUNDING. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

This is my 3rd complaint with this company. The continued to report incorrectly on my report and I never received the credit of {$120.00} as per response from complaint XXXX. I went ahead and paid my last payment in XX/XX/2019 which did not exclude the {$120.00} credit which was never applied to the loan. I paid the amount given by the rep to end this nightmare and receive my title. I received a call back in XXXX advising I still owed $ XXXX because of late fees. I explained to the rep I should NOT have any balances as I paid what I was told and I never received the {$120.00} credit. I advised which they owe me {$120.00}. I told her to minus the $ XXXX from the {$120.00} and send my title. She advised no, I need to pay. I declined. I have spoke to several people who of course told me they are no longer allowed to email me because I use those emails as documentations against the company. They have refused to send me a payment history. They have refused to allow any of my request to send my title. 
They are now harassing my ex husbands family which I never had ties with. They call my mom and brother daily. On last Thursday, I spoke with a rep who I at least listened to the situation. I faxed over the documentation showing that the {$120.00} was suppose to be removed and it wasn't. Haven't heard anything back but received a collection phone call on yesterday advising collection attempt. 
Every month we have went through the same round about. It is very crazy that I have paid all funds and they are holding my title for now $ XXXX. 

No one would provide a manager name, address, email address or phone number. At this point they are attempting to collect a debt that is no longer a debt and harassing my family members. 

I would like to have my title and the {$120.00} that was never applied to my account ; as this loan is paid in full. My credit history reported correctly as asked back in complaint XXXX.