23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Alleged Debt and Request for Debt Validation To Whom It May Concern, I am writing to formally dispute the validity of the debt you claim I owe. Under the protections provided by federal consumer laws, I am requesting debt validation and disputing any and all alleged debts associated with my name. This letter serves as notice of my dispute and as a demand for strict compliance with the law.

Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), you have failed to provide the required validation information to substantiate the alleged debt. Additionally, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to properly dispute the account as required by law. 

Your actions, including the furnishing of this alleged debt to consumer reporting agencies without providing the proper disclosures required by law, constitute violations of 12 CFR 1006.34 ( d ) and 15 U.S.C. 1661-5 2 ( 7 ) ( A ). These actions amount to false, misleading, and deceptive practices, which infringe upon my consumer rights.

In accordance with my rights under federal law, I am disputing the validity of this alleged debt. I also demand the following : 1. Debt Validation : Provide proof of the alleged debt, including a copy of the original agreement between myself and the original creditor.

2. Purchase Agreement : Furnish the purchase agreement or other documentation that demonstrates your authority to collect on this alleged debt.

3. Licensing and Bonding : Provide proof that your company is licensed and bonded to collect debts in my state.

Furthermore, I hereby revoke any and all authorization for your company to contact me via phone calls, text messages, or emails, effective immediately. All future communication regarding this matter must be conducted through written correspondence sent to my mailing address listed above.

Failure to comply with these requests or continued violations of my consumer rights will leave me with no choice but to pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Please provide the requested information within 30 days of receiving this letter. If you fail to do so, I will consider this matter resolved, and any further collection activity will be deemed unlawful. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

The bank has charged the account with late fees, forward the Fraudulent charges to the new account and allowed double charges from amazon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB I submitted a dispute previously, but I did not hear back from Transunion about this. 

There was a loan opened with XXXX in the amount of {$370.00}. 
Transunion shows that it was opened on XX/XX/XXXX, but XXXX is reporting that it was opened on XX/XX/XXXX. This shouldn't be. 
The status dates and late payments are not 100 % accurate as well. Transunion doesn't consider this account negative, but XXXX does. 

There are also inquiries that are inaccurate on my Transunion profile. I would like for these to be removed from my profile ASAP. Enclosures have been attached : XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XX/XX/XXXXXXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries XX/XX/XXXX
Product: Debt collection

I financed a vehicle from JD Byrider XX/XX/XXXX, when I purchased this vehicle I also had my payments automatically deducted from my bank account. I still to this date XX/XX/XXXX, have this set ujp on my account. XX/XX/XXXX there was a new employee at my finance company assigned to my account, who began to call me regarding my payment, I explained to her that she did not have to call me regarding my payment, my payments are automatically taken out of my account. She continued to call me regarding my payment anyway, as well as asking me if the funds are there, I then would hang up on her. I would later receive a call from my sister telling me that this same woman called her stating she was trying to get a hold of me regarding my auto payment, and when I arrived to work my supervisor informs me that this same individual called my employer regarding my auto payment and insurance on my veihcle. My supervisor explained to her as well as I have that I am not to receive these calls on the job and the woman explained that she was fully aware of that. I then contacted XXXX manaers regarding this issue, and the phone calls stopped for a few months. She then began to call regarding my insurance on the vehicle I explained I have an XXXX insurance you do n't have to verify that with me you can verify that through the state if you want to know if I have insurance. Here we are XX/XX/XXXX and she is calling me regarding my auto payment again. Nothing on my account has changed, my payments have been taken out of my account for a few months with no problem and she is harassing me about my payment again. When I spoke to the XXXX managers they both confirmed that it shows on my account which debit card to deduct my payments from and both confirmed they did not know why this individual is calling me regarding my payment. She wo n't stop harassing me and I need assistance.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$100.00} XXXX - XXXX - XX/XX/XXXX - {$9000.00} XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMorgan/Chase is reporting that I have 18 late payment between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I disputed the late payments and asked that JP Morgan/Chase removed the late payments because my payments were made on time or I submitted a request for a forbearance or deferment at least 30 days before the due date.
Product: Mortgage

To whom it may concern, my complaint issue deals with a H.A.M.P modification that I attained in XXXX on my mortgage loan. I very much appreciate the assistance I received even though there were few corrections that I had to bring to my servicing company 's attention. One issue I have been dealing with for 2 years and can not get any answer is my borrower 's incentive clause which is included and signed for by both parties in XX/XX/XXXX. The original documents include these terms. 1. I will accrue a monthly benefit equal to {$83.00}. 2. They will apply my accrued monthly benefit to my principle balance after the first through the fifth anniversaries of the month in which my trial period is executed XX/XX/XXXX. The yearly amount that should be applied beginning on XX/XX/XXXX and again on XX/XX/XXXX is {$1000.00} for a total of XXXX after 5 years, not any amount has been applied or was I ever given a reason why. I have been transferred to 3 different companies ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX and currently XXXX XXXX XXXX ) I have been told numerous times it would be corrected by all parties involved and never done. I also have a incentive after the 6th year which would apply an additional {$5000.00} to my principle
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection.
Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in
my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

To Equifax, This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable of aggravated identity theft which is punishable for up to 2 years. 
1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 accurate. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
2. You are in violation of 15 U.S Code 1692j. Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. 
XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
I know that as the consumer, I HOLD ALL THE POWER. As a ( MO ) 281 SW715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exist. As a consumer, and the one with ALL THE POWER, these inaccurate accounts on this letter must be deleted immediately AS IN ASAP, or I will seek monetary damages in small claims court in my city and state. Since I attached my form of PROOF OF IDENTIFICATION, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, several times! This complaint lists someone that your company should recognize as their customer or their customers authorized representative. 
I request that you send me a validation of all debts according to GAAP, if you can not do that then you must remove. 
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS. 
Thank you! 
XXXX XXXX
Product: Debt collection

I was called from what they call themselves " XXXX XXXX XXXX XXXX '' and are threatening to pursue in the court of law if I do n't pay a previous pay day loan that was taken out last year from Advanced America. I denied the first call because they refuse to disclose information regarding the company.  They then called several days later (XX/XX/XXXX ) and left a voicemail stating they know my location and that they will have to speak with my supervisor about this matter. The lady on my voicemail continues to say I have a case number to be filed with the court and end by saying you have been legally notified. I panicked and called early the next morning (XX/XX/XXXX ) and started to speak with the same rep I originally talked to. He tells me that they have a pending case for two counts, one for fraud and one for writing bad checks to the bank I had the time of the loan. I got even more frightened and immediately made a payment and was told I am required to set up a payment arrangement which I then did. After I set up the payment arrangement and made a payment I ask again for company information and I was given the same name stated above the same 1800 number and was denied an address. The man ( creditor ) began to be really defensive and told me that he does n't have to give me that information and again says if you want we can cancel this and you will have to fight this in court. I then ended the call telling him to please not cancel it I do n't want to go to court. I then decided to call later that afternoon to ask for proof of debt the lady that I asked immediately puts me on hold and puts her supervisor on the line she begans to tell me that they do n't validate debt and that I should have taken care of this loan in XXXX. She then also says that I have agreed to all of their disclosures and agreed that the debt was real and I was responsible if I cancel my payments I will be taken to court. I proceed telling her I should n't have given them information that they did n't have in the first place. At that moment realized they used bits of information they knew about me so they can get more personal information out of me to use against me in the event I become suspicious like I am. I then ask her for company information and she gives me a PO box and that they do n't have to disclose the address, she also tells me they are called XXXX XXXX XXXX XXXX and confirms the same 1800 number. I end the call and since I have checked my bank account to find the payment I made, it says it went to XXXX and has lines of X 's, and no other information that is traceable. I have been asking for help and feel highly stressed because they have a lot information about me but I have nothing about them since my debt from Advance America has been sold 4 times and I have come to a dead end because the last company the debt ended with is also not traceable which I was told was named XXXX XXXX. So far all I know is this company ( XXXX XXXX XXXX XXXX ) claim they own my debt and that I have violated of my rights and identity. The voicemail they left me is attached. 

Company Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a dispute through XXXX for 2 Barclay card credit cards I had charged off. Reason for filing was that I wanted to pay off my debt but they refused to accept my money, nor would they tell me who owns the loan now. They took my number down and promised a call back, which never happened. On XX/XX/XXXX XXXX  reached out to Barclay and they slapped me with 2 years worth of late payments in one day, which were not on my credit report before. I have been attempting to payoff that debt for over two years with no success.
Product: Mortgage

I have provided everything the lender has asked me to do and they won't review my loan for mortgage assistance.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of these accounts XXXX XXXX XXXX XXXX XXXX. I demand the removal of these unauthorized inquiries ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I demand the removal of this incorrect information ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed complaint XXXX and received a response on XXXX stating they are supposedly working on it. I need to obtain a Debt Consolidation Loan and this problem is preventing it. I can not access my Equifax Credit Report and neither can anyone else... apparently that includes Equifax as they never sent me my report as was promised. At this point I may have to seek legal counsel and sue for significant damages. I tried to handle this nicely but apparently this requires a XXXX XXXX. Maybe a suit for $ XXXX might get them to act?
Product: Debt collection

XXXX XXXX never sent me anything stating i had a collection. They are reporting the same acct twice. I have had this acct taken off one already as I do not owe it. Hospital was given XXXX info as well as a letter stating i was XXXX and i was told everything was fine. Then three years later it shows up on credit. Had it taken off now 5 years later it is back on twice!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been to anyrhung medical to have medical bill with XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$0.00} 15 U.S. Code 1666 XXXX Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Debt collection

On XX/XX/2018 during the early evening I called by a XXXX who left a voicemail. He stated that he was XXXX from XXXX and that he was attempting to locate me. Did NOT mention this involved a debt. he went on to say that I had until the next morning to call him at his direct number for they would contact my employer and family members to try to locate me ... obviously not something I want, that's embarrassing and that makes me look bad. I called XXXX direct line that he provided in the voicemail and I requested something validating the debt. He point-blank refused to do so, telling me he had no obligation to do so, claiming that I had received documents in the mail and said that they had sent plenty of emails to me in which they had read receipts of ( which I NEVER received ). I had told him that I did not receive emails and he kept arguing with me and started to raise his voice. He told me that I was going to get my wages garnished at one point.He was literally yelling at me by the time I requested a supervisor, in turn making a snide comment. I have unfortunately fallen on hard times, and have had dealings with debt collectors before ... before good night, I have never had anyone threaten me or yell at me like XXXX did. The supervisor was more concerned about me paying the debt rather than his employee.l good night, I have never had anyone threaten me or yell at me like XXXX did. The supervisor was more concerned about me paying the debt rather than his employee. I will be reporting this to the FTC as well.
Product: Checking or savings account

I was scammed by a seller on XXXX who provided a fake tracking number for a package I never received. On XX/XX/year>, I placed an order through XXXX and paid {$330.00}. The estimated delivery date passed, and the package never arrived. 

I contacted the seller multiple times for clarification, but they either ignored my messages and provided false information. When I escalated the matter through my bank, Chase, the seller submitted falsified documents, including a forged version of my signature, claiming I had received the package. Despite providing Chase with evidence of the scam such as screenshots of my communication with the seller, proof of the fake tracking number, and confirmation from the shipping carrier that no package was delivered to my address Chase ruled in favor of the seller. 

Chase deducted {$330.00} from my account and returned it to the seller on XX/XX/year>, claiming the dispute was resolved in the sellers favor. I have since tried to appeal the decision with Chase, highlighting the fraudulent signature and the false claims made by the seller, but Chase has refused to reopen the case. 

I am incredibly frustrated and feel powerless, as this situation involves fraud ( a forged signature ) and negligence in reviewing the evidence provided. I am seeking assistance in holding both the seller and Chase accountable and recovering the {$330.00} lost in this scam.