23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX sent me a letter with procedures and the amount charged {$900.00}. That is not validation nor verification. This debt is not mine also the validation they sent was a HIPPA violation to whom ever charges these are. I have no signed contract or knowledge of me having these procedures done ... XXXX and the original creditor XXXX XXXX are not licensed in the state of Michigan I want to include according to the state of Michigan Licensing website!
Product: Debt collection

Failure to respond to Notice for Validations Of Debts This agency is in violation of 12 CFR 1006.34C and 15 USC 1681. 
On XX/XX/year> you received my notice for validation of Debts pursuant 12 CFR 1006.34C and it has been over 30 days and you have not responded with the requested information that is required by law. 
The Fair Debt Collections Practices Act and Fair Credit Reporting Act requires your response with 30 days of receipt of the dispute. The dispute was sent certified mail green return receipt Tracking # XXXX you received this dispute on XX/XX/year>. 
Any information that can not be validated must be deleted 12 CFR 1006.34 ( b ) ( 5 ), 15 USC 1681i. Delete this informati
on immediately. Ensure that all Consumer 65 reporting agencies that you have furnished this information to gets deleted. Delete this information from all your systems.

Any further attempts to collect on this alleged or reporting to the consumer reporting agencies debt will be met with legal action, all Disputes and correspondences will be use as exhibits and evidence in the matter. 
XXXX XXXXXXXX XXXX Account # XXXX
Product: Mortgage

Hurricane Ian claim # XXXX  XXXX / Policy # XXXX The mortgage company, Wells Fargo, is holding my insurance payment from XXXX in Escrow and will not release enough to even start the new roof process, They know what has happened down here and the roofing companies are charging high prices and want a large deposit up front. We also have to replace soffit and gutters. We have been a great customer of theirs for over 15 years and have always been on time, in fact it is on auto pay. 

Wells Fargo XXXX # XXXX property address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

After obtaining my credit report there are several inaccuracies regarding my personal information. There are several variations of my name, social, and address. Credit bureaus have the duty report accurate and up to date information regarding my credit report.
Product: Debt collection

I HAVE REPORTED TO THE DEPARTAMENT OF IDENTITY THEFT that my identity was stolen. and sent copys of the IRS with the stam ( oficial ) that i was victim of the of identity theft. 
I HAVE CALL AND TELL THEM ( XXXX  XXXX ) AND THEY FORWARD ME TO THE COMPANY ( RECOVERY PORTAFOLIO OF XXXX  XXXX ) explaining that its not my account or my balance, I request politly to remove this balance from my credit report. 
Prortafolio Ricovery XXXX XXXX XXXX XXXX  XXXX Immediately. they has done nothing. 

please let me Know if need to report this incovenient to the appropriate goverment departmen or to have an attorney for this situation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights under 15 USC 6802 - Obligations with respect to disclosures of personal information, and 15 USC 1681-protected consumer rights to privacy and confidentiality XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX3 In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights under 15 USC 6802 - Obligations with respect to disclosures of personal information, and 15 USC 1681-protected consumer rights to privacy and confidentiality I closed the account below and was told it would be removed from my Credit report by someone in Customer Service , I contacted the Company ( Self/Leads Bank ) by mail and with no response also by phone with only being able to be connected to Customer Service Reps who don't speak proper English and seem not to understand my rights have been violated. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX U.S.C 1681 section 602 ( A ). ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

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 6802 States ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) The consumer is given an explanation of how they can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

To whom it may concern, this company is in violation of my rights. The dates of last activity does not match. You can not carry a balance on a collection/charge off account. You are reporting inaccurate information on my consumer report. All three bureaus are reporting different information which is a violation. Per section 15 usc1681g you have not provided me with adequately information. Also according to 15 usc 1681b ( e ) ( 6 ). ALL credit reporting agencies must maintain a joint notification system. This account and information being reported does not match each other. This means your company failed to keep a joint notification system which now places you in VIOLATION!! Remove this account from my credit report immediately please.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting y ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I had sent a letter to the three bureaus. I asked them to verify and remove some accounts that were in error on my report. I have not received any results or information back from them in 4 months.
Product: Checking or savings account

I'm trying to make a deposit into the XXXX app.
Product: Credit card

XX/XX/XXXX - Contacted the Best Buy to report two fraudulent charges on my account XX/XX/XXXX - Followed up with Best buy regarding the fraudulent charges that they had not made reference to the fraudulent activity on my account, to include whoever fraudulently used my card changed the physical address from VA to FL. Best Buy Closed my account XXXX I am unable to access my secure email account features to send a dispute letter to the creditor XX/XX/XXXX - I am still being charged fees or interest during an active dispute. 
Confirmed Fraudulent Charges After XX/XX/XXXX Purchases : {$660.00} Fees : {$58.00} Interest : {$19.00} Total Fraudulent Charges : {$730.00} Overpayment Detected From the promotional balance detail : Original Transaction : {$340.00} Payments & Credits Applied : {$190.00} Remaining Promotional Balance : {$140.00} Current Balance : {$170.00} You have overpaid by {$29.00}, calculated as : {$190.00} ( payments ) - ( {$340.00} - {$140.00} ) = {$29.00} excess payment This amount should be refunded to you immediately. 

Ongoing Interest & Fees Despite disputing the charges : You're still being assessed interest charges and late fees, which should be paused while the dispute is pending or refunded if already paid. 
The deferred interest shown ( {$8.00} ) for a fraudulent purchase should also be canceled entirely. 

Recommended Action Would you like me to draft a formal dispute letter that you can send to : Best Buy Credit Services XXXX Citibank ( for account resolution ) Request : full charge-off of fraudulent balance, refund of overpayment, and cessation of all fees/interest
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.

The items in dispute are as follows : ITEMS TO DISPUTE Credit Inquiries : 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 XXXXXX/XX/XXXX BANKRUPTCY XXXX XXXX Bankruptcy XX/XX/XXXX XXXX US BKPT CT XXXX XXXX XXXX XXXX XXXX Bankruptcy XX/XX/XXXX XXXX Federal XXXX XXXX Bankruptcy XX/XX/XXXX XXXX U.S. Bankruptcy Court LATE PAYMENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3100.00} PERSONAL INFORMATION : Name : XXXX XXXX XXXX Name : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX Employers : XXXX Employers : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting the credit bureaus on numerous occasions. The balance they are reporting on my credit reporting is different from the letter that i acutally received from the actual company. I have informed this of this and they have only sent letters back saying the information is " verified as accurate '' .i also asked that verify the account belongs to me and i was sent the letter attached instead. im hoping you can help me.
Product: Credit reporting or other personal consumer reports

There are Multiple accounts that are fraudulent on my credit report and I have reached out to the Creditors and Credit bureaus to supply with all supporting Documation on many different occations and nothing was removed or the issue wasn't resolved.
Product: Debt collection

I received a letter from Complete Payment Recovery Services , Inc., regarding {$60.00} in debt that I owe to XXXX XXXX XXXX XXXX XXXX 

I have never received any communication from XXXX XXXX XXXX XXXX, regarding this issue, and the letter is from a debt collector. 

To my knowledge, I owe no debt to either of these companies. No proof of any transaction or debt is attached to or included with the document from Complete Payment Recovery Services.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE DELETTE THIS INFORMATION IS INCORRET.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, VA XXXX RE : SSN : XXXX To Whom It May Concern : This letter is regarding account a Collection, under my social security number : XXXX which you claim I owe {$400.00} on behalf of Synchrony Bank. This is a formal letter that your claim is disputed. 
More specifically, I am referencing the fact that you are reporting the following : No account number given. What account number are you referring? How did you arrive at amount owed? Furthermore, what date was the account closed? What date did this account go into default? What is the date of last activity? The above information pertaining to this account in inaccurate and highly damaging to my credit score. Please remove immediately. 
I am requesting validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note I am requesting validation, that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. 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 ) Please Note : This is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election or waiver of status. 
Page 2 of 2 My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Checking or savings account

I opened the account with Citibank. They keep saying my Account is under review for XXXX to XXXX hours and its been almost 5 days and theres no reason no one can give any answers and I have no access to my funds to be able to live my life properly.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2019, my husband and I entered into an " Equity Sharing Agreement '' with Unison Investment XXXX XXXX, for a {$40000.00} cash advance, in exchange for 56.4 % of the profit from the sale of our home, over its appraised value, at the time of the agreement - example : value of my home in XXXX  was approximately {$300000.00}, if I sold my home today, approximate sale price would {$420000.00}, Unison would receive the return of their $ XXXX plus 56.4 % of {$120000.00}, = {$110000.00}. 
While we did sign this agreement, we only had a rudimentary understanding of exactly what we were getting into. This became apparent when we tried to re-finance our mortgage. Unison assured us during the process, that refinancing our home would be easy, no problem at all- which turned out to be totally untrue. The refinance wasn't at all similar to any refinance we had ever done in the past. It was a drawn-out affair, where we had to jump through many hoops, lost our first refinance partner, and it was next to impossible to find a refinance company who would be willing to work with Unison. 
My husband and I were contacted by a law firm asking if we would be interested in participating in a class action suit against Unison, as they several families who had the same experience as we did. 
Ultimately the law firm was not able to move forward with the suit because of the arbitration clause in the contract we all signed. It was clearly written in such a way as Unison anticipated this blow back and took measures to protect itself. 
I feel believe strongly that Unison acted in a predatory and manipulative way. Their marketing and salespeople empathized acting quickly, before potential customers could really understand the depth of how bad this deal is for the home owners. I feel like a victim of their greed, taken advantage of, bamboozled, and that Unison operates without transparency or integrity, lacking any true benefit to their customers. 
I would like out of my deal with them. The thought of having to be in an agreement with them for a total of 30-years makes me sick to my stomach. I do owe them the original {$40000.00} and will figure out a way pay them off, to have them out of my life. They are crooks and should not be allowed to operate, with this financial product, anymore and with any other nave people.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to urgently request your intervention regarding an error on my credit report related to my Apple Card, managed by XXXX XXXX. This error has severely impacted my credit score, affecting significant life events. 

I recently purchased an XXXX XXXX XXXX, opting to finance the {$1000.00} cost via a XXXX installment plan through XXXX XXXX. However, due to an initial error by XXXX  customer service, the full amount was charged as a one-time transaction, erroneously showing my card as maxed out. I immediately contacted XXXX XXXX services to rectify this, and was repeatedly assured that the issue was resolved, with the charge now correctly showing as an installment plan. 

Despite these assurances, my credit report suddenly reflected an XXXX drop, inaccurately indicating a maxed-out card. This is in stark contrast to my excellent payment history, 35 % overall credit utilization, and no other maxed-out cards. The incorrect credit report has already negatively affected my ability to secure an apartment rental and pursue car financing. 

The urgency to correct this mistake can not be overstated, as it jeopardizes my financial stability. I have included all relevant documentation and correspondence with XXXX XXXX customer service as evidence. Should this error not be rectified promptly, I am prepared to pursue legal action to defend my rights. 

I appreciate your immediate attention to this matter and look forward to your swift action to help correct this critical reporting error.
Product: Credit reporting or other personal consumer reports

I have disputed info on my equifax credit file multiple times, I have sent in proof that info is inaccurate and being reported incorrectly without proper investigation and info being updated. Collection being reported on my equifax file from XXXX XXXX  is being reported inaccurately. Bal, last date of activity and date account was opened is totally wrong and has different dates for those account details showing on XXXX!! They can not report different info for the same account that is a violation of the FCRA!!! Also I have sent in evidence that the data furnisher that reports my bankrupcty has removed it from their files and it should be removed from my credit report!!!! Equifax has refused to follow XXXX and remove bankrupcty from my report...
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the account as this is not mine.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been trying to get through to an " account specialist '' through a representative at Capital One since XX/XX/XXXX to try to get a 10-day payoff letter. I called on XXXX at XXXX and was on the call for XXXX minutes to be told that an account specialist to write this letter was not available and to call back later. I called again on XX/XX/XXXX at XXXX and was on the call for XXXX minutes and was told the same thing, that an account specialist was not available and to try to call back in " XXXX days '' " due to the high volume of calls ''. I was told that the representatives had no way to send a message to this staff to either call me back or to create a letter once I got off the call. I called again today, XX/XX/XXXX at XXXX and was on the call for XXXX minutes and finally was able to get an account specialist to create a 10-day payoff letter. During this call, the amount for payoff was quoted higher than it was when I called on XX/XX/XXXX and I asked that the amount be lowered to what the payoff quote was when I first tried to get through on XXXX. I explained that it was not my fault that their account specialist wasn't available the first two times I called, and that I shouldn't be charged the fees/interest for that timeframe ; the representative indicated that there was nothing that they could do and that the increased charges would stand. 

I do not normally file complaints with higher agencies, but Capital One has been non-cooperative through this whole process. I am also hearing this issue ( not being able to reach an account specialist for a 10-day payoff letter ) is occurring to others via word of mouth. I can not help but wonder if Capital One is intentionally doing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed late in XXXX that XXXX XXXX has reported inaccurate information on my credit reports. My credit reports shows that i have been late a total of 13 times and that's not accurate. I contacted XXXX XXXX several times to resolve the issue. They informed me that I was only penalized four late payments since the credit card was established. Out of the four, two of those late fees were disputed and refunded to me, and that information is Highlighted on the statement summaries attached to this complaint. On XX/XX/XXXX, I had a late fee which was Adjusted after I called XXXX XXXX to dispute that it was an error on their end which they agreed to. The adjustment can be seen on my XX/XX/XXXX statement summary. 
On XX/XX/XXXX, I had another late fee of {$35.00} and it was also refunded and can be seen on the XX/XX/XXXX statement summary. I reached out to XXXX XXXX to inform them that XXXX has 13 late payments on my report and they told me it has nothing to do with them because their system doesnt show 13. I was advised to contact XXXX and have them correct my report. I filed two disputes through XXXX  to have the report corrected and XXXX XXXX failed to reply to the them in time. I filed another this dispute with XXXX on XXXX XXXX and never received a response from XXXX XXXX. It is absolutely absurd that XXXX XXXX refuses to correct my reports. How can they report me for 13 late payments when i was only late and penalized 4 times?