23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX ( {$420.00} ) and account # XXXX ( {$370.00} ) which you claim I owe. 

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 

Be advised I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.
Product: Credit reporting or other personal consumer reports

I was coerced into getting the card in the first place for discount on product. XXXX 's fraudulent business practices have harmed my credit. 

Once I received my card I never received any billing statements, either in the mail or via email. Customer service told me I signed up for email statements which is impossible as I do not pay the bills, my husband does, but also, when I asked what email address they have been sending my statements the email address was incorrect. When I tried to pay in the store, the store will not accept payments. When I ask them about my card they say I have a {$750.00} credit line and everything is fine. But everything is not fine! 

I am unable to access my account information through their website. The only way I've been able to pay is over the phone or online with assistance. 

I have now learned that XXXX has reported me to the credit bureaus multiple times for late payments when I never received billing statements! I reported XXXX 's unfair and deceptive practices to a Fraud Supervisor " XXXX '' at XXXX XXXXXXXX XXXX XXXX. It was XXXX who told me about the hidden monthly charges that XXXX imposes even if I haven't used my card and have no balance due! Those hidden fees that consumers don't know about can trigger negative reports to the credit agencies especially if you don't get statements and don't know you're being billed even if you're not buying product. 

I am reporting XXXX 's unwarranted hidden charges, deceptive practices and the negative reporting to credit agencies when they didn't even send me billing statements so I could set up an auto pay ( how we pay all our bills ). I have never received any notice alerting me that my account is due or past due. I pay my bills on time. The negative XXXX reporting is the only negative information on my credit report. 

I ask that all the negative XXXX reporting to the agencies must be removed from my account. There is no balance owing on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding XXXX, Experian, and XXXX  continued willful and negligent compliance I am bringing this to the attention of the CFPB. 

I have written several requests that the unverified items, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  ( XXXX  and Experian XXXX, and XXXX XXXX XXXX ( Experian, XXXX, and XXXX  XXXX still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is reporting accurate information. 

In the result received from XXXX, Experian, and XXXX  in the first investigation and subsequent reinvestigation, they have stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? All XXXX credit bureaus have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 7 ). Furthermore, all 3 credit bureaus have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA-you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Please see the attachment from XXXX showing deletion of XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX on XX/XX/XXXX, which was financed by Global Lending Services ( see contract below, pages 36 to 42 ). The contract requested that I would have an insurance coverage of the vehicle, both comprehensive and collision added to the minimum required by the state of XXXX 
I then, on XX/XX/XXXX, hired insurance with XXXX XXXX XXXX, that has all the coverages listed above, with a deductible of {$2500.00} for comprehensive and collision coverage ( see attached policy ). XXXX XXXX XXXX, 50 days after I bought the car, I received a letter by Global Lending Services, stating that any deductible exceeding {$1000.00} was " unable to being accepted '' ( see attached file ). 
This " maximum deductible '' requirement was never in the contract or any other paperwork that I have signed - simply to say that this is " the company policy '' does not mandate me to comply with it. It can turn, thus, into a vicious cycle '' I can amend the insurance policy and, a week later, the company policy can change to a " maximum {$500.00} deductible '', then a " maximum {$100.00} '' policy, then a " no deductible '' policy, then a different kind of coverage. 
This is clearly a way to rip off the customer, that, once again, has complied with every single clause of the contract.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute. The credit Bureaus were responding proving to me that I was correct. Their records show that it was incorrect. Since your investigation was done improperly, I need you to update/correct this account from my file. 
XXXX XXXX XXXX Balance : {$2200.00}
Product: Payday loan, title loan, or personal loan

I'm filling this complaint because I asked Navy Federal CREDIT UNION to verify and Validate the alleged debt for Account # XXXX for {$8000.00} they allege are asking me to pay, and I have sent several letters and got no compliance on the verifying the debt.
Product: Mortgage

XXXX.I signed up for the Texas Mortgage relief program to assist with mortgage payments and I was approved, but I received an email in XXXX that Chase was not communicating with them and then in XXXX I received an email from chase stating that they were transferring the loan to XXXX XX/XX/2024 they never did that. When I checked on the account it stated that it had started the foreclosure process. I am confused. XXXX is still stating that they don't have a loan for us. 
XXXX. My POA was asking them about the different signatures on the original paperwork as well as the missing signatures on some documents XXXX. They have not been helpful or will to fix anything even though fraud was pointed out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been hacked and my information has been compromised. I do n't want to apply for their credit monitoring service because it will make me opt out of any class-action lawsuit or other means of holding them responsible for any damage in the future. I tried to use the free yearly credit report from the government XXXX XXXX XXXX and I was unable to access my report for Equifax, and instead have to mail in a request which is inconvenient. 

I also have to pay money to freeze my credit reports with all three major monitoring services, when this is entirely Equifax 's fault and therefore their responsibility. Having to freeze my credit and then thaw it whenever I need to use it is another inconvenience which is entirely Equifax 's fault. 

Equifax should be able to provide my free credit report online like the other monitoring services were able to do, and they should be monitoring my credit for any suspicious activity, free of charge and without having to sign an arbitration clause or class action waiver. 

They are responsible for any potential identity theft or fraud using my name or likeness and should be taking more responsibility to protect consumers who have had their personal information stolen.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I've marked as inaccurate : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found several billing errors. The late payments do not reflect my usual payment behavior. Please fix these issues and update my account. Thank you!
Product: Debt collection

I have been a victim of identity theft for the past 5 years and there are fraudulent accounts that were open in my name that appears on my credit report. The following fraudulent accounts that appear are MIDLAND CRED ( ORIGINAL CREDITOR : XXXXXXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ( BALANCE : {$470.00} ) /I am not liable for this debt with XXXX XXXX and I do not have any contract with MIDLAND CRED , MIDLAND CRED ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ( BALANCE : {$1500.00} ) /I am not liable for this debt with XXXX XXXX XXXX and I do not have any contract with MIDLAND CRED , MIDLAND CRED ( ORIGINAL CREDITOR:XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ( BALANCE : {$5700.00} ) /I am not liable for this debt with XXXX XXXX XXXX XXXXXXXX XXXX XXXX and I do not have any contract with MIDLAND CRED. I have never had an account with none of these companies. Cease the reporting of the fraudulent items being reporting immediately. I am not liable for this debt. Please remove the fraudulent accounts listed above upon receiving this document. I have attached a copy of my complaint and letter that I have sent out to XXXX XXXX, a copy of my id and FTC report. ( Please See Attachments ).
Product: Mortgage

I had a loan with them got behind and they did a loan modification when I sold the home in 2021 they took XXXX XXXX dollars from me I need help Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained this secure card to improve my credit, but XXXXXXXX XXXX XXXX XXXX XXXX did nothing but destroy my credit. They incorrectly reported my balance as {$700.00} when my balance was XXXX. 

I spoke with a representative and a supervisor on XX/XX/2022, and they acknowledged that my account was paid in full, but there was nothing they could do to correct their mistake on my credit score because they would only report once a month.

They told me I had to send a letter regarding incorrect past reporting on three different credit bureaus, and it would take time for them to review and correct.

Inaccurate payment history information prevents me from obtaining the credit I'm trying to apply for because it lowers my credit score. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Debt or credit management

I've made several attempts to reach out to XXXX XXXX, there indenture trustee Bank Of New York Mellon, and XXXX XXXX Chief Financial Officer XXXX XXXX XXXX regarding my request for a refund of all securities due to securities fraud. I've discovered evidence indicating that XXXX XXXX has engaged in activities that violated federal securities regulations resulting in substantial financial losses to me. As a result I am requesting a refund of all past present and future debts. The evidence that I've gathered suggests that these activities were carried out intentionally. I am prepared to provide detailed documentation and evidence supporting these allegations upon your request. The Securities Exchange Commission ( SEC ) enforces strict regulations to protect investors from fraudulent activities and ensure the integrity of the financial market. With Bank Of New York Mellon being the indentured trustee your company has a fiduciary duty to act in the best interest of the bond holder and to comply with all relevant securities laws and regulations.
Product: Checking or savings account

I created a Credit Karma Save account for the XXXX, I then attempted to change the linked account from a savings account to a checking account. I have attempted to change the linked account over XXXX times. I have tried to reach out to them for support 10-15 times. Each time i receive the run around and they are not able to change my linked bank account. 

I have requested that they close the account and mail me a check which they said would be 7-10 business days. After the 10 days I asked where the check was, and they said the account has not been closed but it is still pending but can not give me any information on this.
Product: Payday loan

I took out a short-term payday loan for XXXX. I committed myself to paying the loan off in a month or two. I called Wilshire Consumer Credit to find out what amount I owed in order to pay-off the loan in full. The representative told me, " based on your recent payments, you only owe XXXX. '' I sent the company a payment for the full amount thinking that I had satisfied my debt. Several months went by and Wilshire continued to send me monthly statements. On these statements where the section " amount due '' appeared, the amount was XXXX. After three months of getting the same statements, I received a statement that said I owed XXXX. Irate, I called the company to get answers. the customer service representative said that I was given the wrong amount to settle the debt. I was given the wrong amount by XXXX! I learned that over the few months I thought my account was paid in full, they were charging me a monthly interest rate of 170.99 %. Now they say I owe XXXX! But the bill says I only owe the XXXX. I refused to pay anything outside of this amount. Wilshire Consumer Credit said they would settle for XXXX. I find this treatment and billing unacceptable. It is so disrespectful to consumers like me that I am reviewing my account with a lawyer to fight this company in court. Predatory lending at its WORST!
Product: Credit reporting

I have XXXX accounts for XXXX XXXX Support in Arizona. There are balances on these accounts, but I have paid on-time payments every month. TransUnion & XXXX have changed from showing these accounts as " Current : Paid or Paying as Agreed '' to " Account 120 days Past Due Date ''. XXXX still shows all XXXX accounts as current. I have contacted the creditor who told me that I am current on all XXXX accounts. They also said that they are receiving many inquiries from other consumers regarding this issue. They gave me a printout of my payment history for all XXXX accounts, which I sent to all XXXX credit bureaus. I have received dispute results saying that they changed XXXX account but not the other XXXX from TranUnion. XXXX shows XXXX as a charge off and no change to the other XXXX accounts. As far as I know, XXXX still shows these accounts as current. I have spoken with TransUnion who said that they are just reporting what the creditor has sent them. My concern is that TransUnion & XXXX are translating the data that they are receiving from the creditor incorrectly. Nonetheless my credit reports and scores from these XXXX credit bureaus have been significantly affected by incorrect reporting and they do n't seem to care.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these unauthorized accounts removed. 
The accounts in question are as follows : XXXX. XXXX XXXX XXXX  - Account : XXXX - Date : XX/XX/XXXX - Amount : {$11000.00} XXXX. XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$850.00} XXXX. XXXXXXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$3500.00} XXXX. XXXX  XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$11000.00} XXXX. XXXX XXXX XXXX  XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX  - Account : XXXX - Date : XX/XX/XXXX - Amount : {$8900.00} XXXX. XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$1100.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$850.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$1100.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$1000.00} XXXX. XXXX XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$650.00} XXXX. XXXX XXXX  XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$2900.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$850.00} XXXX. XXXX XXXX  - Account : XXXX - Date : XX/XX/XXXX - Amount : {$210.00} XXXX. XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a auto loan that was open fraudulently in XXXX under XXXX XXXX XXXX  DEBT OWED {$9900.00}. 
I HAVE MENTIONED THIS ACCOUNT TO EXPERIAN DIRECTLY AND INFORMED THEM THAT I DO NOT OWN THIS ACCOUNT IT WAS OPEN DUE TO IDENTITY THEFT. I HAVE FILED A COMPLAINT WITH OUR STATE ATTORNEY GENERAL I HAVE ALSO FOUND A COMPLAINT WITH THE XXXX XXXX XXXX  THAT RESPONDED THEY DID NOT FIND MY NAME IN THE CONSUMER DATABASE WITH THIS COMPANY. This response came directly from XXXX  employee name XXXX XXXX letter sent to me via email XX/XX/XXXX. Please contact them for verification of my complaint and their investigation results. My case ID # XXXX. I IMMEDIATELY CONTACTED EXPERIAN VIA USPS MAIL CERTIFIED WITH RETURN RECEIPT AND PRIORITY TRACKING. THE RETURN RECEIPT WAS RETURNED TO ME XX/XX/XXXX PLEASE VIEW THE PHOTOS ATTACHED. ALSO I SENT DIRECT DISPUTES TO XXXX XXXX XXXX USPS CERTIFIED WITH RETURN RECEIPT AND PRIORITY TRACKING. ALSO RECEIVED THEIR SIGNATURE ON XX/XX/XXXX AND XX/XX/XXXX FROM EMPLOYEE XXXX XXXX CONFIRMING THEY RECEIVED MY MAIL. YET I HAVE NOT RECEIVED ANY RESPONSE BACK FROM THEM.PLEASE VIEW PHOTOS ATTACHED. TO PROVIDE THEM THE POLICE REPORT IDENTITY THEFT REPORT AND OTHER SUPPORTING DOCUMENTS. THIS MATTER HAS BEEN DISPUTED SINCE XXXX. YET IT IS STILL BEING REPORTED ON MY CREDIT FILE. MY RIGHTS INDICATE AS LONG AS I SUBMIT POLICE REPORT AND IDENTITY THEFT REPORT ALL INFORMATION I REPORTED TO THEM ON THIS ACCOUNT WOULD BE BLOCKED. I NEED THEM TO REMOVE THIS ACCOUNT AS IT DOES NOT BELONG TO ME. Police report was filed on XXXX XXXX the report # is XXXX. Please view attachment of police report filed. ALL MY STATEMENTS IN THIS COMPLAINT CAN BE VERIFIED.
Product: Credit card

My XXXX Discover Bank card was reopened without my knowledge or authorization. The bills are being sent to an address I don't recognize.