23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I moved out of the XXXX XXXX XXXX XXXX, owned by XXXX XXXX XXXX in XX/XX/2020. I received a bill from XXXX XXXX XXXX of {$780.00} for carpet replacement and an unpaid water bill. I paid the water bill of {$320.00} and sent them a check for the remaining {$450.00} in XX/XX/2020. The water company received my payment and XXXX XXXX XXXX cashed my check, which I can verify through my XX/XX/2020 bank statement. 

I received a bill of {$780.00} from a debt collection agency on XX/XX/2020. I called the debt collection agency to dispute the debt, since I had paid the water bill and the remaining balance, and left a voicemail. 

I then called XXXX XXXX XXXX to alert them that I had paid the debt. XXXX XXXX informed me that I owed an additional {$780.00} and she would not settle the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX Date Opened XX/XX/XXXX Hello I am not sure if I checked the correct radio button or not, however we did a voluntary repo in XXXX, the company sold the car and never sent us any documentation, we however disputed on XXXX and XXXX and it was removed from XXXX but still showing on experian and XXXX. However here is the issue this company has charged off the account and yet they have consistently being charging late fees every single month in the amt of the car payment which has now amounted to over {$20000.00} and we owed them less than this so I am really confused how we can be paying late fees on a closed account.We are really in need of help to have this removed and have this company really looked into. For both myself and my husband XXXX XXXX. Can you please help me with this. It shows closed since XX/XX/XXXX and yet they have been charging late fees every month up until XX/XX/XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that 3 Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX : {$3600.00} ; XXXX BANK XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$5800.00}.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX EMP Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Employer - XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXXXXXX DPT EDXXXX - XXXX DPT EDXXXX - XXXX DPT EDXXXX - XXXX XXXX XXXX - XXXX DPT EDXXXX - XXXX DPT EDXXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Student loan

Loan was sold from XXXX to Pioneer Credit. They have called countless times and not left messages and when I call the number ( s ) back I either am on hold for over 20 minutes with no answer or I get a message saying the number is no longer in service. However my biggest complaint ( s ) is that they called my church and demanded the secretary to speak with me ( I do not work in my XXXX ). They have also called a nonprofit organization that I sit on the board for twice, once leaving a message and the other lying to the secretary stating that they are old friend from the past and have important paperwork that was sent to them by mistake that they need to forward to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am hereby requesting the deletion and removal of the listed accounts and associated information from my consumer report. It has come to my attention that these accounts should not have been reported, and their presence on my report constitutes a direct violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist that these accounts and information be promptly deleted from my consumer report to rectify the violation of these laws. Immediate action is required to ensure compliance with the FDCPA and FCRA. Please remove these accounts and associated information without any delay
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report about back in XXXX of 2021 and noticed that there was an open account with American Express and showed authorized user, which is an account I had no knowledge of. I only have one credit card account. On my report it shows that it had a current ongoing balance of around {$11000.00}. I would like to have this account removed from my credit report as this is not my account and I believe its possibly fraud.
Product: Debt collection

LVNV Funding LLC is attempting to file a default judgment against me. They continue to pursue without providing me a full debt validation. To this day they have not provided proof of the alleged debt therefore again I request they provide a full debt validation. In accordance with the fair debt credit reporting act LVNV Funding LLC has violated my rights and is currently not authorized to collect debt in the state of Arizona. I request they delete these unconfirmed negative debt collections OFF my credit report due to lack certifiable evidence. It appears this company has had complaints of inaccurate and incomplete records. I refuse to be another victim and I have the right to dispute this alleged debt.
Product: Credit card

Yesterday ( XXXX/XXXX/2015 ) I contacted Capital One to advise them that I would be paying my credit card balance in full by XXXX or sooner. The agent confirmed to me XXXX TIMES that my card would be re-activated and available for charges once the payment is made ( see attached ). 

I made the payment that same day. 

Today, Capital One informed me that MY ACCOUNT HAD BEEN CLOSED as of XXXX/XXXX/2015, and that it can not be re-activated.
Product: Credit card

I have two college students who have received no less than 30 invitations to apply for Capital One Student cards. Every time they have submitted an application, they get a response indicating that they are not eligible. They are qualifying students under the description noted in the application mailing, and the applications imply that they are qualified - including language like " getmyoffer '', and exclusive codes for applying. They qualify under all of the eligibility requirements except for Capital One 's catch-all ineligibility disclosure of " Capital One otherwise determines that I am unable to make my monthly payments '' ( for which they have none other than their credit card ). The general tone of the marketing is very misleading and the volume of regular marketing marketing offers they receive for these student cards is harassment considering they never intend to approve them.
Product: Debt collection

I became aware of this collect account upon reviewing my credit report I was never notified from the company about an owed balance. I did contact the creditor by certified mail to inquire how the debt was acquired and request proof that I was indeed the responsible party for the balance in question. In response to my letter I received a billing statement from Credit Systems International with a billing statement that included two charges ; {$8.00} transfer fee and also a {$6.00} transfer fee totaling the {$14.00}. Included in the the cover letter there is a doctor 's name that I have never been a patient of, I've had the same physician since I was a child. I hope that with this complaint I will be assisted with removing this false account from my credit report.
Product: Bank account or service

I had making payments to another Chase banking client via Chase Quickpay for a motorcycle payment. The recipient of thee funds were not paying the note and stealing the money. I had called customer claims and disputed these transactions on their internal advice that this was fraud. Only to have the credit reversed and my account in debt and sent to collections. The biggest act of fraud was done by Chase. I will pursue a lawsuit for these actions if not reconciled.
Product: Credit reporting or other personal consumer reports

Two years ago I requested validation of this debt. It was never provided.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I accidentally sent XXXX to the wrong person {$1000.00}. I instantly called XXXX and made a complaint. They filed a claim and they told me I would have it back in XXXX business days. Now its the XXXX. I believe its been more than XXXX business days. I called back for an update and they tell me that they tried to snatch the money from the purchases account but the person had already withdrawn it
Product: Debt collection

Army Airforce Exchange collections told me if I didn't pay the full amount by the XXXXXXXX XXXX  XXXX, they will file agents me and take the XXXX out of my check of {$2100.00} I only get paid by the VA at 90 % and that's not very much
Product: Credit reporting or other personal consumer reports

An accurate information that appeared on my credit report that stopped me from being denied rental apartments that was wrong addresses on my on my credit report and identity theft
Product: Credit reporting or other personal consumer reports

Hello, I have been sending in dispute challenges with Experian for several weeks. Action on my behalf has not been taken by the company, despite verifying my identity and what I needed. I have asked them to share their method of procedures when it comes to verifying the inaccurate reporting. I am demanding this account to be removed from my consumer report. I am looking to purchase a home and my underwriting is telling me I have to contact Experian to rectify this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies have violated my rights ; - XXXX, inquiry date XX/XX/XXXX - XXXX XXXX, inquiry date XX/XX/XXXX - XXXX XXXX, inquiry date XX/XX/XXXX - XXXX XXXX inquiry date XX/XX/XXXX XXXX U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S, C 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Consumer Law, 15 U.S.C 1681b - Credit reporting agencies such as, XXXX, Equifax, and XXXX does not have the right to report anything or any matter with a consumers written consent.

15 U.S.C 1681c - 1 Without my written consent these items still remain on my credit and I want them removed immediately because this is identity theft. 

Company Name : XXXXXXXX XXXX XXXX  Date : XXXX 2022 Amount : {$990.00} Actions That Were Taken ; I submitted identity theft paperwork as well as a police report. 


Fraud Account Remove Immediately. 
Company Name : XXXX  Date : XXXX 2022 Amount : {$0.00} Actions That Were Taken ; I submitted identity theft paperwork as well as a police report.
Product: Debt collection

I never told u to process me in I cancel before the time limit was up to cancel!!
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days. This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) .As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX. 
Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you will be liable for your willful non-compliance. Please Remove all Fraudulent accounts as i have no knowledge of these accounts due to the XXXX Data Breach/ Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed of your willful noncompliance. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Product: Credit card

I was billed twice at a XXXX XXXX. One transaction was correct, and one transaction is incorrect. The hotel has no record of the incorrect transaction. I tried to initiate a dispute with the credit card company any they refused to honor the process.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The Listed an account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the payments were made on the account, the payment history is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Dear United Revenue, Thank you for your response dated XX/XX/XXXX, regarding my concerns submitted through the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, case # XXXX. 

I appreciate your effort to address my complaint. However, I must insist that the issues I raised have not been resolved satisfactorily. 

You state that your initial letter containing legally required disclosures was mailed to me on XX/XX/XXXX, but it was not sent via certified mail. Without proof of delivery, there is no verification that I actually received this letter. As per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request verification and validation of the debt. This must include detailed accounting of the charges and any agreements or contracts that substantiate my responsibility for this debt.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information to credit reporting agencies must provide accurate information and correct any inaccuracies. As I dispute the accuracy of this debt, I am formally requesting that you immediately delete the disputed account from my credit report until you can provide sufficient verification of the debt. Failure to do so is a violation of the FCRA and can result in legal penalties.

Your acknowledgment that the initial letter was not sent via certified mail further supports my claim that I did not receive the necessary notifications. Additionally, I require proof that the debt in question is valid. This includes a copy of the original signed agreement and a detailed account of all charges leading to the alleged debt.

If you can not provide the requested validation and proof of delivery, you are in violation of both the FDCPA and the FCRA. Continuing to report this disputed debt without proper validation constitutes defamation of character and a violation of my consumer rights under 15 U.S.C. 1681n and 1681o, which provide for civil liability for willful and negligent noncompliance.

The fair resolution for this matter is to have the disputed information deleted from my credit report immediately. If you fail to comply with this request, I will have no choice but to pursue all available legal remedies, including filing a lawsuit for damages under the FDCPA and FCRA, which could result in substantial penalties and damages awarded against you.

Your prompt attention to this matter is required to avoid further legal action. I expect a response confirming the removal of this disputed information from my credit report within 15 days of receiving this letter. 

Sincerely, XXXX XXXX
Product: Student loan

XX/XX/XXXX I submitted my PSLF forms. One employer was a charter school that is no longer in business. I do not have W2 forms so I submitted IRS transcript from IRS.gov website to cover information missing. The form provides Employer Tax Identification number and my salary. I'm told by Mohela that's not acceptable but need a W2 instead. W2 gives the same information as the IRS transcript and neither give dates of employment so why is a W2 more acceptable than the tax transcript? Furthermore, SSA charges {$150.00} per year ( 4 years for me ) to provide a W2. I provided 3 years of IRS transcript but was 3 months too late for XXXX so I must pay for a W2 for that year. {$450.00} for the same in information seems ridiculous since they already have the same information but in another form.
Product: Debt collection

On XX/XX/XXXX, around XXXX XXXX, I was threatened by an XXXX XXXX  at the apartment complex for witnessing a XXXX  that ended up being on the news. While living at my residence there were reports of an XXXXXXXX XXXX man who had XXXXXXXX XXXX a XXXX female at her front door. a car followed me with a XXXX female threatening me to call the cops on me because I fit the description of an XXXXXXXX XXXX  male that did the XXXXXXXX XXXX. I was very offended by this, I assured the woman that it wasn't me and how I just moved her regardless of what I told her she continued to accuse me. in today 's climate would've been arrested with no questions asked putting my life in danger. XX/XX/XXXX around XXXX pm, I had to walk my dog before turning in for the night. While walking my dog, a woman approached me nicely and calmly and asked to pet my dog, even though I noticed she reeked of XXXX, I allowed her to touch my dog. After that it went Left from there, she started to yell at me saying " It's my dog it's my dog, you stole my dog!!! '' Side note Almost everyone in my area has seen me with my dog every day, she is also my XXXX XXXX animal and I cherish her. With that being said luckily there were witnesses outside at the time that was wondering why she was screaming with tears in her eyes. I wasn't sure if the the woman was XXXX XXXX  or what the problem was. I spoke with the manager at the property at that time was XXXX XXXX. she stated my partner, and I can leave with no consequence, and she also sign a document. In total, XXXX  XXXX XXXX XXXXXXXX XXXX stated I owe {$3200.00}. a majority of the amount went to XXXX XXXX XXXX XXXXXXXX for me to pay them {$2400.00}, and XXXX went to my roommate and I credit under HUNTER WARFIELD. While the manager stated it would be on my credit report nor my roommate 's credit report.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXXXXXX Transunion added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA XXXX XXXX has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Product: Checking or savings account

XXXXXXXX XXXX sent remaining funds in accounts totaling the amount of {$140.00} to Wells Fargo as part of a fraud claim in the amount of {$690.00}, check number was provided in prior CFPB complaint ( XXXX ). According to XXXX XXXX with Wells Fargo Executive Office, the check was returned back to XXXX  they do not accept partial payments.. I attempted to explain this to XXXX  rep XXXX, he claims instructions from Wells Fargo state to return remaining funds in account ( s ) to Wells Fargo in which case I explained Wells Fargo does not accept partial payments. He advised to have Wells Fargo change instructions in which case, CFPB complaints were filed against Wells Fargo to either change instructions and or reach out to XXXX at XXXX It appears no one from Wells Fargo reached out, the matter remains unresolved to date, XXXX has not sent remaining funds in amount of {$140.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a notice on Personal information being DISPUTED. Not something I generated. MAde inquiry to EXPERIAN and questioning where data came from and how they are verifying information as accurate
Product: Credit reporting or other personal consumer reports

According to 15 U.S. CXXXXe XXXX, it is illegal for banks and institutions to report any data to third party companies without proper consent. According to FCRA section XXXXb it is illegal to report information on my credit report without my permission. I am not liable for the debts with XXXX XXXX XXXX. I do not have contracts with XXXX XXXX XXXX and they did not provide me with the original contracts as I requested with my wet signature and ID verification. AGAIN, PLEASE PROVIDE ME WITH THE ORIGNAL CONTRACT ( XXXX ) WITH MY WET SIGNATURE AND ID VERIFICATION BETWEEN MYSELF AND XXXX XXXX XXXX. IF YOU CAN NOT PROVIDE THESE CRITICAL PIECES OF INFORMATION, THEN PLEASE DELETE FROM MY CREDIT REPORT. THERE IS NO WAY ANYTHING CAN COME BACK AS VERIFIED FROM YOUR INVESTIGATION BECAUSE YOU CAN NOT PROVIDE THE ORIGINAL CONTRACT WITH MY WET SIGNATURE AND ID. THERE IS NO WAY THIS CAN COME BACK AS VERIFIED WITHOUT PROVIDING THIS, THEREFORE PLEASE DELETE AND REMOVE.