23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt, Dated this XX/XX/2018
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 : XXXX ITEMS IN DISPUTE : collection/charge off : XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX {$58000.00} XXXX  XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$4300.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1100.00} XXXX  XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1700.00} late payment : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like for the to 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
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, On a recent review of my credit report, I discovered XXXXXXXX XXXX  XXXX XXXX reporting the collection account referenced herein. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify XXXX XXXX XXXX XXXX that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Attached to this complaint are : - Written letter of complaint - Copy of my drivers license - Copy of my social security card - Copy of proof of address via a bank statement
Product: Credit reporting or other personal consumer reports

We recently called XXXX credit card companies. Chase company and XXXX XXXX These XXXX companies told me that even if I took my name off as an authorized user that it would still show up on my credit. That is incorrect and I would like this to be resolved. I can no longer use the card. Therefore, shouldnt be associated with the debt. I would like this to be taken off my credit report.
Product: Debt collection

The debt is not mine, but under my sister who has same first name and last name but different middle name and different birthday from me. 

The debt collector reported the debt under my XXXX  account. 

Multiple phone calls to provide correct information, and the debt collector confirmed that the debt is not mine. In addition the debt was paid by my sister. However, it still kept the debt under my account. I filed 2 dispute through XXXX and the company both times respond to keep the same record on my account.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 ( MONTHS REPORTING LATE ) 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 XXXX 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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 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

There are two uplift accounts on my credit report that were sent to collections with XXXX XXXX. Both accounts have been paid and settled with a less amount and the incorrect information is showing on my credit report lowering my score saying I still owe a balance when I do not. There was an agreement with true accord to pay a lower amount showing that the balance would be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has 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 state 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 any purpose.
Product: Checking or savings account

Bank inactivated my account since XX/XX/year> saying I didn't have any activity on my account in the last two years despite me depositing funds online yearly. They say I have to physically go to the ATM to withdraw money or go to their branch, but there is no branch in GA for Citibank and I don't need to go to ATM to withdraw any money because I was using this bank account as a savings account to grow interest. They have blocked me from accessing my funds despite my sending them the required documentation they requested multiple times to have it reactivated and unblocked.

I have sent them the letter multiple times, with final attempt corresponding to postal tracking info that they also confirmed was received ( USPS tracking # XXXX, with delivery date of XXXX ). I was told it was escalated to their team to unblock my account early XX/XX/year>, and that the account would be unblocked in 7-10 business days but it is still not activated or unblocked. When I called in again for an update on this, I was told they didn't receive the letter and they wanted me to resend the letter again. I've paid to send the letter multiple times with tracking and I'm not about to pay for it another time when a previous agent already looked up the tracking number and confirmed they received it. 

I've talked to multiple customer service agents and even emailed their Citi Executive Response Unit XXXX to no avail. They keep asking for the same thing I have done multiple times ( send in a letter with the required info to reactivate/unblock my account ), saying they are working on it but every time I call in they keep asking me to repeat the issue and no updates or response are available. I've repeated myself many times on what the issue is and they keep opening and closing reference numbers assigned to this issue with no resolution and just keep going in circles. I told the agent my call info and history should be recorded and she said she was going to read the history and do some research, but I still have not heard back and they won't email me or give me updates recorded in email or via phone call. For example, there were at least 4 phone calls to their customer service center prior to me finally asking them to provide me with a reference # because I kept having to repeat myself and the history of the call info every time I reached out to them. The reference numbers created for this issue is XXXX and then they recreated another XXXX XXXX for the same issue. Agent won't provide updates in email or letter and won't call to provide updates. I'm left not knowing how to access my hard-earned money although I can log on to my account online, I can't transfer or initate any transactions from the account. It seems I can still deposit money to the account though, but it won't let me withdraw money. I have stopped depositing money into my savings account because I can't get money out when I do need it!
Product: Debt collection

I received notification on XXXX for {$230.00} of debt owed that I did not know ; Caine Weiner violated the law and placed it on my credit report on XXXX without prior notification. 

Collections CAINE & WEINER Opened XXXX {$230.00} I did not know of this and demanded that it be removed from my credit report. I had no time to dispute this and would like for them to pay a fine to me of {$1000.00}.
Product: Mortgage

Truist bank took over our loan. During this process, we had to submit insurance information. 
We did so. Our insurance was canceled on us and we got new coverage. 
There was a 3-day lapse in the old coverage ending and the new one starting.| Truist sent us a bill for around {$17.00} to cover the 3 day lapse. We paid it. 

At the same time, we received letters to submit our insurance. We did so promptly. 
They stated if we don't submit the documents in 3 months we would have an escrow account opened on our mortgage. We submitted everything on time. 

Over the last 2-3 months I have been charged {$140.00} additional for an escrow account. 

I have called over 3 times and waited on the phone for at least 2 hours each time. I have been told to submit a form, which I never got. On the second call, I was told that I have insurance and I don't need the escrow account. And a request was put in to remove it. 
On the 3rd call, I was told I shouldn't need an escrow account and I would have it closed with the escrow total sent in the form of a check. I was also told my loan doesn't need a form to cancel the escrow. 

Now I have received a letter, that they are unable to comply with my request to remove the escrow account. 

This is taking a large chunk out of our savings. We have full coverage on the house. And they are charging us for nothing. I can't pay my mortgage without also paying the escrow charge. 
This is going to add up to an extra {$51000.00} over the next 30 years not counting compounding interest.
Product: Credit card or prepaid card

My bank which is XXXXXXXX XXXX didn't honor a XXXX and XXXX dollar payment and because they didn't pay them as they should have this card company added XXXX dollars to my bill when the bill was only XXXX dollars went to XXXX dollars that I never used and the bill still should XXXX dollars they added the money the bank didn't pay to my bill which is crazy the credit limit is XXXX dollars how do I o them XXXX dollars when the bill is XXXX period.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Request for Investigation Account # XXXX I am writing to formally dispute the reporting of the account referenced above as it appears on my credit reports provided by TransUnion, XXXX, and XXXX. The discrepancies in how this account is reported across the bureaus, along with XXXX 's history of inadequate investigation practices, warrant immediate correction and clarification. 

Specific Discrepancies Noted : Account Information : Account Status : Listed as " Indeterminate '' by both TransUnion and XXXX, but no status is reported by XXXX. 
Payment Status : TransUnion indicates " Payment after charge off/collection, '' whereas XXXX lists `` Charge-off. '' XXXX has failed to report any payment status. 
Last Reported Date : TransUnion shows XX/XX/year>, while XXXX shows XX/XX/year>. XXXX provides no reporting on this account. 

Payment History : XXXX records " OK '' payments for most months but inconsistently notes " 30 '' and " 60 '' days late in XXXX and XX/XX/year>, respectively. Neither TransUnion nor XXXX provides comparable payment history, making it impossible to verify the accuracy of these claims Additional Comments : The account comments indicate " Purchased by another lender, '' yet no further details or supporting documentation regarding this transfer have been provided by any bureau. 
Concerns Under the Fair Credit Reporting Act ( FCRA ) : Inconsistent and Incomplete Reporting : The differences in account details between TransUnion, XXXX, and XXXX violate the FCRA 's requirement for accuracy and completeness. Furthermore, XXXX 's failure to report basic details for this account demonstrates a lack of compliance with maintaining an accurate credit file. 

Sham Investigations by XXXX and XXXX XXXX and XXXX has a documented history of conducting superficial and insufficient investigations into consumer disputes. This pattern raises serious concerns about whether XXXX and XXXX are meeting its legal obligations to investigate disputes thoroughly and correct inaccurate information. 

Verification and Documentation : None of the credit reporting agencies have provided adequate documentation to substantiate the reported account details, such as the terms of the loan, the transfer to another lender, or proof of the alleged late payments. 

Resolution Requested : Conduct a thorough and detailed investigation into the reporting of this account. 
Provide full verification of the account details, including : Documentation of the transfer of the account to another lender. 
Proof of the account 's payment history. 
Verification of the correct payment status and dates. 
Remove or correct any inaccurate, incomplete, or unverifiable information. 
Provide a written explanation of the findings and actions taken within 30 days, as required by the FCRA.
Product: Debt or credit management

I spoke with a sales rep from the company, not sure of date, about debt consolidation. I let him know that I was weary of doing " debt consolidation '' again because I was previously scammed. At the time I signed up with the company I did not have any defaulted credit cards or loans. I was advised to let my credit cards go into default and that I would make payment for 6 months into a savings account that would be used to settle my debt. I was told that after 6 months of on time payments I would be eligible for a loan that would pay off my debt, and I would make one payment to Five Lakes Law Group. After more than six months, I contacted the company and said that I had past my eligibility for a payoff loan and was told " we don't offer that service anymore ''. I pleaded with the reps because I chose the company under this sales pitch, I asked if they could listen to the recorded calls and if they could set me up with someone to resolve the issue. No one was able to help me. I only just now reported to this website because I was told about it through a friend.
Product: Credit card or prepaid card

in XXXX I have paid my Kohls charge on the day it was due the XXXX on the statement it says it is due on the XXXX ... and if it is late you will pay a {$37.00} late fee. it also says on bill you can pay bill or call the 24 hour automated system and lists the number. Well I do that but If you call past XXXX it charges it to the next day and then you get a late fee. 

I paid it on the date it was due and the bill does not say it has to be paid by XXXX XXXX  ... but I have been charged 9 times late fee for paying in after XXXX on the date it was due.
Product: Money transfer, virtual currency, or money service

- On XX/XX/XXXX, I received a text message on my phone from the number XXXX XXXX, the message offered a job offer at the company XXXX XXXX or XXXX XXXX XXXX, the sender identified herself as XXXX XXXX. He gave me the code XXXX to start an interview with XXXX XXXX through the XXXX  message application. 
- On XX/XX/XXXX, I contacted the user XXXX XXXX via XXXX, who identified himself in his profile with the name XXXX XXXX. After giving him the code, this person identified himself as a contracting XXXX for the company XXXX XXXX or XXXX XXXX XXXX. He gave me information about that company and the website XXXX. Then he gave me a job interview, all the time through text messages in the same XXXX application, at the end of the interview he told me that I was accepted for the position. 
XXXX XX/XX/XXXX, he then told me that he was going to provide me with funds to buy work tools and software. He asked me for personal information such as address, phone number, email and name. He emailed me the XXXX, XXXX, the job offer, and the company code and ethics. Send all those documents with real sensitive information of mine. 
- On XX/XX/XXXX, I received a check by XXXX XXXX  with an amount of XXXX XXXX, this came with origin id : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX UNITED STATES US. He asked me to redeem that check at my bank. Redeem the check at my SoFi bank using the mobile app. 
- On XX/XX/XXXX, the bank made the XXXX XXXX  available and withheld it for XXXX until the XXXX. After confirming that I had XXXX XXXX  available, they asked me to make two transfers of XXXX XXXX  via XXXX to the user, to the person XXXX XXXX with email XXXX, since I was not able to make the transfer, he asked me to use the XXXX option " send to a friend '' XXXX to the person XXXX XXXX with email XXXX. Make two transfers of XXXX each to that sofi user. 
- On XX/XX/XXXX, in the face of doubt and given the varied number of questions that I had asked about the company, which had not been answered, and the number of tasks that they had sent me to do, promising to pay for each of them. but I had not had a convincing answer for my work, I tried to cancel the transactions but it was too late, the check had already been withdrawn, and my account was at XXXX. When I contacted that person again by telegram and informed him about the withdrawal of the check, he did not respond further. I called the SoFi bank, explained what was happening and requested to cancel the transactions I had made but the request was not approved.
Product: Credit reporting or other personal consumer reports

I don't want to have this on my credit XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a hard inquiry was added to my credit score from Capital One and XXXX. I disputed it with XXXX stating it was fraudulent. The dispute was denied by Capital One. I reached out to Capital One as this was not me. No one from either banking nor credit could assist me. One representative even said dont worry no account was opened. I inform him thats great but the inquiry needs to go. He transferred me to another department that also couldnt help.
Product: Credit reporting or other personal consumer reports

I noticed on my XXXX XXXX report that there were XXXX hard new inquires posted since yesterday. XXXX today on XX/XX/year> and one yesterday on XX/XX/year>. I have not authorized any of these inquires, nor have I applied for credit cards. I called each institution and notified them. They said they did not see any inquiries or applications but that they would make a note. 


First one : XXXX. Location : XXXX XXXX XXXX XXXX, PA XXXX. Phone number XXXX XXXX. XXXX type is individual. Requested on XX/XX/year>. 

Second one : XXXX XXXX. Location : XXXX XXXX XXXX XXXX, XXXX XXXX. Phone number XXXX XXXX. Inquiry type is individual. Requested on XX/XX/year>. 

Third one : BARCLAYS BANK DELAWARE. Location : XXXX XXXX XXXX XXXX, DE XXXX. Phone number XXXX XXXX. XXXX type is individual. Requested on XX/XX/year>. 

I also need a letter so that I can delete these from my report.