23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I HAVE A ACCOUNT ON MY CREDIT FILE THAT IS NOT MINE CBCS # XXXX. I NEVER BEEN TO XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX THIS ACCOUNT IS DEFINITELY FRAUD OR IT BELONGS TO SOMEONE ELSE. 
I BELIEVE IT BELONGS TO MAYBE ANOTHER XXXX XXXX. PLEASE DELETE THIS ACCOUNT AND STOP ALL CONTACT WITH ME!
Product: Debt collection

A debt for {$780.00} has been on my credit report since XX/XX/2018 from COLLECTION company called CREDIT MANAGEMENT LP XXXX XXXX XXXX XXXX, TX XXXX. XXXX ) XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. This is not a request for verification or proof of my address, but a request for VALIDATION made pursuant to the above named Title & Section. I respectfully request your office provide me with competent evidence that I have any legal obligation to pay you. If any negative mark are found on any of my 3 major credit bureau 's this action might constitute fraud under both Federal and State Laws. I will not hesitate in bringing legal action against you and your client for the following : VIOLATION OF THE FAIR CREDIT, REPORTING ACT, VIOLATION OF THE FAIR DEBT COLLECTION, PRACTICES ACT, & DEFORMATION OF CHARACTER.

IF your office are able to provide the proper documents as requested in the following declaration, I will request at lease 30 days to investigate this information. If your office fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted & completely removed from my credit file & a copy of such deletion request shall be sent to me IMMEDIATELY.

CEASE AND DESIST.

CREDIT/DEBT COLLECTOR DECLARATION 1. NAME & ADDRESS OF ALLEGED CREDITOR 2. NAME ON FILE OF ALLEGED DEBTOR 3. ALLEGED ACCOUNT # 4. ADDRESS ON FILE OF ALLEGED DEBTOR 5. AMOUNT OF ALLEGED DEBT 6. DATE THAT THIS ALLEGED DEBT BECAME PAYABLE 7. DATE OF ORIGINAL CHARGE IFF OR DELINQUENCY 8. WAS THIS DEBT ASSIGNED TO DEBT COLLECTOR OR PURCHASED 9. AMOUNT PAID IF DEBT WAS PURCHASED 10. COMMISSION FOR DEBT COLLECTOR IF COLLECTION EFFORTS ARE SEUCCESSFUL PLEASE SEND A COPY OF THE AGREEMENT WITH YOUR CLIENT THAT GRANTS JEFFERSON 'S CAPITAL SYSTEM THE AUTHORITY TO COLLECT THIS ALLEGED DEBT. ALSO PLEASE SEND A COPY OF ANY SIGNED AGREEMENT DEBTOR HAS MADE WITH DEBT COLLECTOR OR OTHER VERIFIABLE PROOF DEBTOR HAS A CONTRACTUAL OBLIGATION TO PAY DEBT COLLECTOR. PLEASE SEND INFORMATION OF ANY AGREEMENT THAT BEARS THE SIGNATURE OF DEBTOR, WHEREIN HE/SHE AGREED TO PAY CREDITOR. PLEASE ATTACH COPIES OF ALL STATEMENTS WHILE THIS ACCOUNT WAS OPEN.

PLEASE PROVIDE THE NAME & ADDRESS OF THE BONDING AGENT FOR XXXX XXXX XXXX XXXX, IN CASE LEGAL ACTION BECOMES NECESSARY. & AUTHORIZED SIGNATURE FOR CREDITOR.

YOU MUST RETURN THIS COMPLETED INFORMATION ALONG WITH COPIES OF ALL REQUESTED INFORMATION, ASSIGNMENTS, OR OTHER TRANSFER AGREEMENTS, WHICH WOULD ESTABLISH YOUR RIGHT TO COLLECT THIS ALLEGED DEBT WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT OF THIS LETTER.

YOUR CLAIM CAN NOT & WILL NOT BE CONSIDERED IF ANY PORTION OF THIS FORM IS NOT COMPLETED & RETURNED WITH COPIES OF ALL REQUESTED DOCUMENTS. THIS IS FOR VALIDATION MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE ALLOW 30 DAYS FOR PROCESSING AFTER I RECEIVE THIS INFORMATION BACK.
Product: Debt collection

My apartment Was destroyed by a fire I was then notified To vacate the premises and that my lease would be terminated I was given 15 days to evacuate property. I left. I never gave forwarding address because I was never informed of liability. The Fire Was deemed as accidental with no known cause of fire.
Product: Student loan

I set up auto pay approximately one month ago and had one auto pay deducted from my bank account in XXXX. However when I logged in today, my XXXX loan was 1 day past due with no notice and which I only learned by logging in, and auto pay is no longer active. I tried to add autopay again and it is still not working. This could have led to a serious issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WAS OPEN WITH MY PHOTO ID AND SOCIAL SECURITY NUMBER SOMEONE USED MY INFORMATION WHICH I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

On XX/XX/year> I submitted a payment through my Bank of America account for {$500.00} to XXXX XXXX. The amount declined on XXXX 's website and I got a text message from Bank of America to verify that I recognized the transaction. I chose yes to the text message. I immediately checked my Bank of America account and the {$500.00} amount was holding on my account and showing as processing. At that time my balance was showing as {$120.00} including the {$500.00} hold. On XX/XX/year> I checked my account as I knew the hold should have been lifted. I found that my balance was still at {$120.00} but the {$500.00} hold was no longer showing. I noticed my whole account history had been changed from when I looked on XX/XX/year>. When I called customer service I was told that my balance was {$120.00} when they tried to process the {$500.00} and that is what caused the amount to decline. If the transaction declined due to low funds I would not have gotten a text about suspected fraud. 
To show how the account history was distorted there was a XXXX sent on XX/XX/year> and it posted the same day as it always does however for the XX/XX/year> XXXX that was sent Bank of America is not showing the XXXX until XX/XX/year> on my account. Also, the representative that I spoke with ( XXXX ID : XXXX in Arizona ) stated that my account balance was {$120.00} on XX/XX/year> however there is a transaction XX/XX/year> shows my balance at {$79.00} and then they show the XXXX posting on XX/XX/year>. There are just so many inconsistencies with this situation. My XXXX also shows the {$1500.00} deposit posted on XX/XX/year> which is what was reflected on XX/XX/year> when I made the {$500.00} payment.
Product: Debt collection

XX/XX/XXXX a debt verification letter was sent via priority mail to a compay by the name of XXXX XXXX XXXX And XXXX XXXX XXXX for the random amount of {$1200.00}. The furnishing company could not provide proof of debt within 30 days and the collection was removed from my credit report. XX/XX/XXXX, the collection amount of {$1200.00} reappeared under the company named XXXX, XXXX & XXXX. XXXX XXXX a verification of debt had been mailed via priority mail once again. Disputes and update photos had been submitted to XXXX and XXXX. Unfortunately XXXX did not allow 30 days for the company to prove that once again, they did not have proof of debt in order to permanently remove this collection off of my credit report. On XXXX XXXX XXXX marked my unresolved dispute as verified and updated
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 USC 1681 ) emphasizes the importance of consumer reporting agencies handling responsibilities fairly, impartially, and with respect for privacy. XXXX and Experian fall into this category, but I, as the consumer, assert my right to ensure that my private information is not shared, as supported by 15 USC 6801, which highlights the obligation of financial institutions to respect customer privacy. According to 15 USC 1681, neither the financial institution ( Furnisher of information to credit agencies ) nor the consumer reporting agencies ( XXXX and Experian ) have my consent to furnish this information. I revoke any previous consent, be it verbal, non-verbal, written, implied, or otherwise. 

Furthermore, 15 USC 6802 emphasizes that a financial institution can not disclose nonpublic personal information without explaining the consumer 's right to nondisclosure. The financial institution, in this case, failed to inform me of this right. Additionally, 15 USC 1681C restricts the inclusion of certain adverse information in consumer reports without permission, and my account is being reported adversely without my consent, which is a violation of the law.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, information should not be furnished to a consumer reporting agency if it is known or reasonably believed to be inaccurate. XXXX and Experian are not maintaining reasonable procedures, as required by 15 U.S. Code 1681e, to avoid violations. Furthermore, 12 CFR 1016.7 allows consumers to opt out at any time, and I am exercising my right to opt out of their reporting services.
Product: Prepaid card

I signed up for Pay Power XXXX Visa card to get a refund of my tax return from XXXX online and upon receiving my card and calling to activate it, I discovered they had a block on my card. I correctly verified all information and was advised my XXXX XXXX Visa card would take 3-5 days to release the block. Why when I verified all information accurately? I offered to send a copy of my ID and SS card to ensure I am the person I say I am and was told it would still take 3-5 days to release my funds and I would not be able to activate my card. I received the card in the mail on XXXX/XXXX/2015 and was told the block was put on there 2 days prior while the card was still in transit. I was denied a supervisor, hung up on XXXX, and cursed at. When I attempted to go online to activate card it stated that the card number was not valid. It was never stated that there would be a block placed on the card before I even received it. I feel as though they are trying to cheat me out of my tax refund. I was told XXXX different stories by customer service and if I passed all the identity verification then why I am still being denied access to my funds? I was told that the block could be released today if I passed the identity verification. Then I was told 3-5 days. This is ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX/XXXX XXXX credit card # : XXXX is lost/stolen, and has fraudulent and unauthorized charges on the account. The following accounts are all fraudulent and dont belong to me : XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX/XXXX. The following credit inquiries is fraudulent and dont belong to me : XXXX XXXX/XXXX, XXXX XXXX   XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXXXXXX Balance : {$140.00} ; XXXX  XXXX XXXX Balance : {$620.00} ; XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX Balance : {$610.00} ; XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
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. 

Account Name : XXXX XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. I remitted money to XXXX through sigue corp on XX/XX/year>. The order number is XXXX, and the amount is {$2500.00}. I have never received it in XXXX! I asked SIGUE CORP for a refund through different methods. Now it has been 7 months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered SIGUE CORP to stop remittance activities on XX/XX/year>. SIGUE CORP also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!
Product: Credit card or prepaid card

I have had my own credit card with Capital One since XX/XX/XXXX, which started out with a {$3300.00} credit line. I have requested a credit line increase every 6 months since then and received from a {$1500.00} to {$4000.00} increase with each request. Neither my income nor my employment have changed, except in XX/XX/XXXX I went back to XXXX XXXX XXXX XXXX  at the same employer where Id been working in a different capacity and continue in that capacity as well. My credit line is now {$13000.00}. I asked and have asked each time for a credit line increase to {$20000.00}, which my ex-husband and I had on a credit card for about 20 years prior to my getting my Capital One credit card. 

On XX/XX/XXXX, I requested a credit line increase, 6 months since my last request. The request was declined by letter posted in my account on line to which I was emailed a link. None of the reasons stated in the letter of declination that I received apply to me, including the FAQs nor including the information online provided from the link in the letter. 

I pay the entire balance due before the payment due date and have since I received the card XXXX years ago. My credit score last time I looked is over XXXX. 

I called Capital One on XX/XX/XXXX to get the reason for my declination. NO ONE could answer my question, and I was told that the reason for declination will NOT SHOW UP IN THEIR SYSTEM FOR 2 to 6 MONTHS! This is unacceptable. The two people ( XXXX and XXXX, XXXX Account Supervisor ) could NOT tell me when I may be able to reapply and possibly get the credit line increase approved. 

The reason I asked for a credit line increase is because I am remodeling a residence and want to charge as much as possible to the credit card for travel points. I will continue to pay the full balance due monthly before the due date. I will use a different credit card that has a higher credit limit if I max out the amount charged to my Capital One credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint with a auto loan lender named XXXX XXXX XXXX, Transunion, and XXXX. Back in XXXX of XXXX, I was granted a discharge from chapter XXXX bankruptcy. A few weeks later, I was approved for a auto loan on XX/XX/XXXX of XXXX. For some odd reason my credit file is reflecting as a closed account and that it was discharged alongside my bankruptcy which is a total XXXX up on TU and XXXX. I've called XXXX which is which I owe the debt on and they said they have nothing to do with my fico score being reported to XXXX and Transunion inaccurately. I've already tried filing disputes with both credit bureau but I get the same song and dance that my credit file is reporting accurately. I've included my XXXX  credit file which reflects my loan accurately, my bankruptcy discharge paperwork and the actual bill of sale of the car I purchased after I was completely discharged.
Product: Credit reporting or other personal consumer reports

I have spoken to XXXX XXXX XXXX XXXX at Wells Fargo office and she states that the inquiry ( original ) would be removed in 90 days. From XX/XX/XXXX. It is now XX/XX/XXXX. 

I was told if it is not removed they I should call directly and the customer service states that he spoke with her and that he was instructed to just open a new complaint?? 

I had A XXXX credit score and 99 % available credit and was denied. U no longer want any credit but the removal of a discriminatory denial! I have asked for removal and it was agreed to be removed in 90 days. Nothing was done. 

The second inquiry was run because they asked me to unlock my credit report and they ran my credit 2 times in a week. XXXX removed it while I was in the phone. Wells Fargo never removed their original inquiry and can not justify the denial because their reasoning does not match my credit report. 
I need the original inquiry removed. 

XXXX XXXX was very aware of the inquiry that is still in my credit report and assured me it would be off in 90 days. 
Now she is saying open up a new case? 
Unfair practices is causing me aggravation and migraines and. Frustration during the holidays!! 

XX/XX/XXXX letter states 90 days but she knew it did not state original inquiry! 

All I want is the inquiry removed I have sent proof to show my credit report to their email and there is no reason for denial therefore remove inquiry. 
Their advertised or permission for a third party to advertise good credit only is their their advertising!!
Product: Checking or savings account

Today XX/XX/XXXX I had {$1200.00} in XXXX XXXX I had deposited onto my paypal account. All of a sudden without notice they won't let me spend it and when I message them. They tell me that there is a security issue that I shouldn't expect to be able to use my card anytime soon. That's it. Without any forward notice and {$1200.00} sitting in my account. This is absolutely ridiculous.
Product: Debt collection

On XX/XX/2020 I paid this debt in full with a written statement from collection agency stating that they would remove the account from my credit report. Here we are 8 weeks later and they placed the account that has been paid for back on my account.
Product: Credit reporting or other personal consumer reports

I mailed in a dispute letter for these unauthorized and unverified inquiries on my consumer report and my information was compromised by fraud
Product: Debt collection

I have no knowledge of what i am being charged for. And have requested information multiple times from this company. 

This is not a refusal to pay, but a notice that your claim is disputed. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization.

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist all collection activities, including reporting of ; or verifying of this account on my credit reports. 

I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX, and State Bar associations for violations of the FDCPS, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of state medical privacy rules. 

I also hereby reserve my right to take private civil action against you to recover damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting

XXXX is unable to VIEW MY CREDIT SCORE WITH EQUIFAX!!! ' This is still happening after they stated it was not a problem. The dealer is using dealer track and I 'm not showing a score it is coming up as XXXX. Per the free report I just received from equifax my score shows as XXXX. How is this that no companies can view my Equifax score? I NEED FOR MY SCORE TO BE VIEWABLE WHEN I GIVE A COMPANY PERMISSION TO RUN MY CREDIT!!! It should not show as XXXX. This is ridiculous that it still has not been fixed and I have been going back and forth with them SINCE XX/XX/2016. PLEASE I NEED HELP OR I NEED THE PRESIDENT/CEO FROM EQUIFAX TO CALL ME DIRECTLY TO EXPLAIN AND CORRECT THIS