23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

i sent them a letter disputing the validity of the alleged debts on XXXX by XXXX certified mail XXXX XXXX XXXX XXXX 1989. I never received my documents per XXXX XXXX XXXX and XXXX XXXX XXXX, which is a violation of the FDCPA. 

12 cfr 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.

( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).

( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.

( ii ) The consumer 's name and mailing address.

( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.

( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.

( v ) The name of the creditor to whom the debt currently is owed.

( vi ) The itemization date.

( vii ) The amount of the debt on the itemization date.

( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. 

( ix ) The current amount of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT AND GAINED ACCESS TO MY PERSONAL INFORMATION TO HAVE BEEN ABLE TO DO SUCH DAMAGE TO MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

for almost 4 years now, I had a credit card with XXXX.When XXXX announced that they will be leaving the US last year of 2021 I was not able to see my credit score on my Credit report. recently I called one of the bureaus XXXX, and they said XXXX has not been reporting for almost a year. also called the bank the acquired my Credit card account from XXXXXXXX XXXX XXXX XXXX XXXXXXXX and they told me after the first billing cycle I should be able to see my report. I am now on my XXXX Billing cycle and still do not have a score computed. This has affected me in my last XXXX inquiries on my credit report, because I got decline 3 times because the institutions was not able to see my report and noted it as that i have no credit history. Also it stopped me from managing my credit because I can't see my score either.
Product: Debt collection

I don't know how this stuff got on my credit. I didnt sign up for none of these acounts. I never benefited from any of this stuff. My concern is also these inquiries, I want this stuff taken off my credit immediately. They have no right reporting things on my credit that I never had. REMOVE IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning the mishandling of my credit report following identity theft and subsequent disputes, under the purview of the Consumer Financial Protection Bureau ( CFPB ). This complaint is filed under the protections and rights afforded to me by the following federal laws : - 15 U.S. Code 1602 ( p ) Definitions under the Truth in Lending Act ( TILA ) - 15 U.S. Code 1601 Congressional findings and declaration of purpose - 15 U.S. Code 1692 Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1666 ( b ) Correction of billing errors I have been a victim of identity theft, which has led to unauthorized hard inquiries and the creation of fraudulent accounts on my credit reports maintained by XXXX, Equifax, and XXXX. I have taken the necessary steps to address this issue, including filing a police report and submitting a report to the Federal Trade Commission ( FTC ). Copies of these reports were sent to the aforementioned credit reporting agencies to notify them of the fraudulent activities affecting my credit files. Despite my efforts, including filing numerous disputes and opening several investigations with XXXX, Equifax, and XXXX, the unauthorized accounts and inquiries remain on my credit reports. These inaccuracies are adversely impacting my credit score and, consequently, my financial well-being. The persistence of these errors violates my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ) and the Fair Credit Billing Act ( 15 U.S. Code 1666 ( b ) ), which mandate the timely correction of billing errors and inaccurate information in consumer reports. The lack of appropriate action by the credit reporting agencies also undermines the objectives of the Truth in Lending Act ( 15 U.S. Code 1601 and 1602 ( p ) ), which aims to promote informed use of credit and ensure fair and accurate credit billing and reporting practices. I kindly request the Consumer Financial Protection Bureau to intervene in this matter and take the necessary actions to ensure : 1. Immediate removal of all unauthorized hard inquiries and fraudulent accounts from my credit reports. Remove all late payments to current open accounts. 2. Rectification of any inaccuracies in my credit reports caused by these fraudulent activities. 3. Assurance that the credit reporting agencies comply with the regulations set forth under federal laws to protect consumers from identity theft and credit report inaccuracies. Enclosed are copies of the police report, I trust that the CFPB will take my complaint seriously and act promptly to rectify the situation. Thank you for your attention to this urgent matter. I look forward to your timely response and resolution. 

Please Advise, XXXX XXXX
Product: Debt collection

I was contacted by XXXX XXXX Account Representative Joseph , Mann & Creed XXXX Last week about an auto insurance policy that was canceled by XXXX XXXX, I told him that I likey make the payment in a week or XXXX I woukd have to see. I requested him send me the information in my email that I never received. He called me back today to make a payment and I said I likely could but I wanted to see the email that I was originally supposed to get. He the began to to birrade me and call me names, calling me a child and he's speaking to me like a man, I immediately told home that he is making me uncomfortable with the tone he was putting forth. He continued and hung up after I said I just wanted the email I was promised. I just got the email at XXXX on XX/XX/XXXX.
Product: Credit reporting

On XXXX XXXX, XXXX I mailed Experian a CERTIFIED LETTER indicating that my credit file needed correcting, and that the subject public judgement in favor of XXXX XXXX Bank, be removed from my report. All of the proper information regarding my file was included for their easy access and identification, along with my current picture ID for personal verification purposes. 

After six ( 6 ) weeks of no response, I wrote another CERTIFIED LETTER to Experian on XXXX XXXX, XXXX with the request that they automatically delete the subject file from my report, since they provided no response whatsoever, and whereas they obviously were unable to successfully dispute the matter as REQUIRED BY FEDERAL STATUTE within thirty ( 30 ) days of my notification. I also included my original letter along with another copy of my current ID. 

After not hearing from them after another two ( 2 ) week period, I CALLED them on XXXX XXXX, XXXX to once again, address this urgent issue. They told me they were still investigating the matter. I firmly insisted they had had enough time, and that if I did n't have a confirmation email that the filed had been corrected, and the Judgment deleted from my report by Monday XXXX XXXX, XXXX, I would file a formal complaint with your agency.
Product: Debt collection

I received an alert that this company has reported a collection account on my credit. 
I have not received a dunning letter or any type of communication regarding this debt. This company needs to follow the proper debt collection protocol prior to adding an account to my credit without proper validation.
Product: Credit reporting or other personal consumer reports

Hi, My complaints are I came to XXXX in XXXX to join my husband who is international expatriate. Due to XXXX it took almost XXXX  years to get my employment authorization card. So I was not working depending on my husband for the income. I had a part time job last year and this year I have a new one since XXXX. I tried to apply for credit card aXXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXXXXXX but they were rejected after they run my credit report though Equifax. My question is I have never had a credit card so it means I dont have a credit report. So why am I denied the opportunity of me having the credit card? They are saying they are not discriminatory but for me this is dIscrimination against foreigners and women who depend on their husbands. I am asking where do I supposed to get credit report since I am new in this country?
Product: Mortgage

Below a summary of the case, which involved financing on our new house in XXXX, VA, with Wells Fargo. 
I received an email about relationship discount XX/XX/XXXX. I made intend to get lower rate very clear on several occasions. I was targeting {XXXX in assets reducing our rate from 2.875 % to 2.75 % on a 20 year mortgage. 
I never received any details stating how and when the discount would be applied and it would have to be before closing Numerous time, I asked for more details, with slow or lack of response. When I was asked for more information, I always answered swiftly. During XXXX of XXXX, leading up to closing on XX/XX/XXXX, I sent numerous emails to get more information, but replies were slow or not existing. I had to follow up numerous times. 
I had sufficient funds on my Wells Fargo account on XX/XX/XXXX per the conditions of the relationship discount, more than 3 weeks before closing. I was asked though to provide a statement proving the funds was there, which I thought was strange given that my bank account is with Wells Fargo, who is also the mortgage lender. 
I provided an updated bank statement was provided on XX/XX/XXXX as requested. I only heard back on XX/XX/XXXX after following up, where I was told I didnt have enough liquidity. That was not correct. Wells Fargo, beyond the delayed response, had made an error in the closing statement and cost that I had to follow up on to change, and Wells Fargo referenced a system error. 
During all of the conversations, it was clear to Wells Fargo that closing was XX/XX/XXXX. At no time, I was told that the rate adjustment had to be made before closing. There was no urgency from Wells Fargo exemplified by the slow or lack of response. 
In a phone conversation on the day of closing, I was told that an error was made, and the lower rate couldnt be applied after closing. First time I heard about it. 
I submitted a claim to Wells Fargo, but they dismissed it. Their findings did not recognize the facts above. 
After, my Wells Fargo bank rep even recognized that I had enough funds on my account, Since Wells Fargo made the decision not to change my rate, I have called multiple times to clarify and left voicemails - no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Account ( s ) : # XXXX Account Name : XXXX XXXX XXXX XXXX My Social Security number is : XXXX My date of Birth is XXXX Dear Sir or Madam ; I disputed the referenced accounts above on XX/XX/2020. The credit report of XX/XX/2020, and my report # XXXX shows results these items was deleted from the credit file. Now I notice these items have been reinserted on my credit report. 
In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted. 
( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action by filing a lawsuit and seeking damages. Also, I have re-disputed this fraudulent account from my credit report a numerous of times since XX/XX/2020, but you all are complying with the company and keep reinserting this fraudulent account back on my credit report. Your agency may avoid such action by immediately and permanently deleting this listing from my credit report. 
Thank you, XXXX XXXX XXXX
Product: Bank account or service

Suntrust BankOn XXXX the XXXX I did receive a phone call around XXXX or may be later from the bank, the lady said that they have stop a credit card charge to my account for over XXXX I did said to her that I did not purchase anything, she said card ending XXXX, I did replied that I do n't have the card for long time, she ask for my XXXX number and I did explain that I do not remember and I was driving home that as soon as I arrive I will call back, and I did, I visit on Monday the XXXX the Branch on XXXX XXXX FL , where I get the first document, I did call the branch to not paid the charges, I went back to the branch on XXXX XXXX XXXX on Saturday XXXX and I e-mail back and forward by e-mails. I contact them until I received the letter r that my claim was denied and that was not XXXX charge was XXXX charges over XXXX as I can probe to the documentation attached. They have declined my claim. I need your help to reopen the claim since that they have no provided me with any information. I am there customer for over 20 years an as a customer I deserve a better service and security on my accounts. 
I did discover that there was XXXX active Debts card on my account under my name, and that is not a regular procedure on any bank. How there is possible that under a business XXXX person has XXXX card for over a period of time. There is not security at all.
Product: Vehicle loan or lease

Capital One is not applying my payments correctly. On XXXX XXXX they assessed a late fee of XXXX for XXXX payment. On XXXX XXXX I paid XXXX the regular monthly payment that was due. XXXX XXXX I paid XXXX and on XXXX XXXX I paid XXXX to pay the XXXX late fee assessed. Instead of applying the XXXX to the late fee capital one took the payment and applied it to interest and did the the same with the additional payment from the XXXX payment I made on XXXX XXXX. In doing this they have reported my payments as being late to the credit bureau and showing the account past due XXXX days which is was not because i paid it. When I called I was informed that they can not change how the payment is applied it is done automatically by the system. So if your system tells me that I have payment of XXXX  due plus fees of XXXX which totals XXXX and in turn make a payment of XXXX. Then why are you not applying the money to what your system is telling me I owe? They are not like other lenders that provide options in their mobile and online applications that allow you to select on how the payment is applied. You have three options 1. one time, 2. recurring, 3. pay off next options are pay from, payment date, payment amount, and make payment. This system is designed to cause hardship for the customers and increase the amount of interest capital one receives.
Product: Debt collection

Account Name : Continental Credit Control Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Status : Collection account. {$1900.00} past due as of XXXX XXXX. 
Status Updated : XX/XX/XXXX Balance : {$1900.00} Balance Updated : XX/XX/XXXX Original Balance : {$1600.00} Highest Balance : {$0.00} Terms : 1 Months I firmly assert that this account is not accurate, and I have never agreed to any financial responsibility associated with it. Furthermore, I have no knowledge of the debt in question and have never entered into any contractual agreements with Continental Credit Control. As such, I believe this account is erroneous and must be removed from my credit report. I have also provided substantial evidence that this is due to incorrect insurance billing At this time I will also inform you that theyve listed my account as PAST DUE as of XX/XX/XXXX. In addition to the past due they are also attempting to charge interest rate on a medical bill that is related to a medi-cal insurance policy. Against federal regulation policy holders of medical are to never be billed for services or medical procedures. This is not only incorrect but according to the FDCA, this is illegal as collection accounts can not be reported as having a past due balance. Being that their offices are reporting invalidated and unlawful recording information that goes against the law and my rights you must delete this account and report the deletion of this account. Their actions have constituted fraud under both Federal and State Laws. 

The representative XXXX XXXX ( ext XXXX ) verbally disregarded the law and refused to correct the issue even after I provided verbal authorization for XXXX XXXX XXXX XXXX representatives to discuss on my behalf in effort to fix the billing issue from their internal organization to the original creditor. 

I have provided validation requests and communicated with my insurance provider. Here is what I asked and what was not provided approaching 90 days. 

-What the money Continental Credit Control says I owe is for : -Proof of my wet signature accepting financial obligation for what they say I owe : -Explain and show me how they calculated what they say I owe : -Provide me with copies of any papers that show I agreed to them what they say I owe : -Provide a verification or copy of any judgment if applicable : -Identify the original creditor and provide original balance for services products or fees : -Prove the Statute of Limitations has not expired on this account : -Show me that they are licensed to collect in my state : -Provide me with their license numbers and Registered Agent or Agent of Service :
Product: Debt collection

XXXX XXXX reported my debt to a company called CCS Collections which has never been heard of. This company keeps trying to contact me after I told them to stop calling me trying to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently on my XXXX XXXX and noticed 2 things I feel are Inaccurate. XXXX XXXX is giving me 2 hard Inquiries on XX/XX/19 and XX/XX/19. I don't know if my social security # was ran a few times due to fraud. I am pretty confident I did not authorize backround checks twice in the same month. I called XXXX cards and asked them to remove these hard pulls or under the fair credit act to show me the proof of me signing something allowing them to run my credit under a hard pull twice In the same month. I feel this is inaccurate and am looking for both to be removed from my file.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. 

I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XX/XX/XXXX XXXX -- XXXX # XXXX XX/XX/XXXX # XXXX INQUIRIES : XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax Information Services LLC has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Im information is inaccurate and I want a block on my 2nd and 3rd credit bureau, because they have inaccurate information of mine. My credit is great and I have a complaint of my credit losing the XXXX points as if recently. Im a XXXX yr retired XXXX veteran and pay all my bill on time.