23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear, XXXX XXXX XXXX XXXX writing to dispute a debt that your agency is attempting to collect on behalf of XXXX XXXX XXXX XXXX XXXX I am requesting validation of the debt as allowed under the Fair Debt Collection Practices Act ( FDCPA ). 

The details of the debt, as provided to me by your agency, are as follows : XXXX XXXX : XXXX XXXX XXXX XXXX. 
Account Number : XXXX XXXX : {$3600.00} Date of Debt : XXXX I am requesting that your agency provide me with the following information : 1. Verification of the debt, including the original creditor 's name and address.

2. Verification of the amount owed, including an itemized breakdown of any fees or charges.

3. Proof that the statute of limitations on this debt has not expired.

4. Proof that your agency is licensed to collect debts in my state. Please provide proof of ownership of the debt. 

5.Proof of authority to collect this debt in the state of Florida.

6.Please produce a copy of your insurance in bond in the state of Florida.

7.Please provide proof of how your company assess this debt.

8.Please provide credit history.

9.Proof of the original contract bearing my signature.

10.Please provide chain of title.

11.Does this company own the debt or is it a signed contract.

12.Please provide all letter correspondence sent to me regarding this debt.

13.Please provide last payment date on this debt.

I am also requesting that all collection activities be ceased until the debt has been validated. 

Please provide this information to me in writing within 30 days of receiving this letter. Failure to comply with this request may result in legal action being taken against your agency. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I bank with Captial One as of Friday XX/XX/year>. I have not received my deposit from my company. Capital One has been experiencing an outage with a 3rd party vendor since Wednesday XXXX XXXX. I did not get notification about the outage until XXXX Thursday XX/XX/year>. The lack of transparency and communication with their consumers has been unprofessional. We are not give correct information on eta when we will get our deposits from our company. This has caused a series of hardships and financial strain.
Product: Debt collection

My name is XXXX XXXX XXXX and I 'm writing to you because I believe that I XXXX XXXX XXXX XXXX is violating my rights under the FCRA. Approximately three years ago, I pulled my credit report to check for accuracy. The first credit reporting agency that I got report from was XXXX. Upon reviewing my report, I noticed that XXXX XXXX XXXX XXXX had an account in collections on my report. Since I did n't understand why this account would be listed on my report, I immediately disputed the item through XXXX XXXX stating that this account was n't mines. In addition to this, I contacted XXXX XXXX XXXX XXXX to further investigate as to why this account was reporting to me since I never attended their college. While speaking to XXXX XXXX XXXX college billing department, they informed me that this was from registration in 1991. I informed them that I never registered with their college to attend because I was attending XXXX during that time. They said that it did n't matter and that they were not going to make any changes to my account. I started wondering if this was fair since the account was so old and they never place this account in collections until a few years ago. Let me be clear that this is not my account and that I never attended this school and this is not related to any student loan account. I 'm wondering why am I still dealing with account that 's over XXXX years old. I have since disputed this account with XXXX XXXX, XXXX, and XXXX with the same outcome in which XXXX XXXX XXXX XXXX confirms the account and leaves this account on my credit report. I never received any written notification regarding this account in XXXX years and yet it 's on my credit report. I feel as if I 'm a victim of this college violating the fair credit reporting act. I was told the attorney advice to report this school to your agency to try to get some resolution and compensation for XXXX XXXX XXXX violating my rights. Here is an account that 's over XXXX years old and yet every time they validate this leaves this account registering as a negative item on my credit report. 
I am asking at this time for some resolution in resolving this matter. Should you need to speak with me further regarding this matter, you may contact me via phone at XXXX, by e-mail @ XXXXXXXXXXXX or by mail @ XXXX XXXX XXXX XXXX XXXX, Il 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 : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Received a 1099 B from Square , Inc. in XXXX XXXX. The 1099 B stated I had received proceeds of {$2400.00} on XX/XX/XXXX. Note said Cash app does not report your XXXX cost basis, gains or losses to the IRS. I have never done business with Square or XXXX and someone has used my social security number to do this.
Product: Mortgage

CHASE has had several attorneys contact me looking for resolution to their mtg errors in response to XXXX different CFPB complaints. They have continually closed your complaints starting process with me only to stop resolution XXXX in what appears to be deliberate delay in resolving their accounting errors on my former mtg with them. XXXX I have been told CHASE needs more time to investigate and now it is over 1.5 yrs LATER! I ask how much time should it take a major corporation to have their documents in order??!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX fails to update payment history correctly on trade-in in stead after 4 attempts they deleted the payment history in the trade line for THE LIMITED.

Attachments included for your review.

Multiple Violations of the FCRA 15US CODE 1681 ( i ) ( 5 ) removal of inaccurate/invalidated Credit Information and 15 us CODE 1681e ( b ) violation of California Consumer Law by failing to provide proof of how the disputed information was investigated, as of this date no proof provided instead they continue to report the errors on the account.

FCRA Section 605 ( a ) ( 5 ), Section 605 ( c ) ( 1 ) When does the 7 yr period begins, the estimated date reports until XXXX if no payment history is available or known. Per the most recent reports, it shows all Xs.
Comenity Bnak refuses to provide payment history because they do not have the records and they have violated the policy of FDIC, IRS AND OCC that requires credit cards to be charged within 180 days, they are reporting false payment history with the intent to rage the trade line and charged off at approximate 420 days instead 180. Continue to add late fees and charged interest in order to justify adjust their losses of the management of their portfolio. FDIC regulates this bank directly and the parent company Alliance Data Systems.
Product: Credit card or prepaid card

I placed an order for XXXX XXXX  cleaners for {$XXXX} XXXX. The order was only partially fulfilled by the vendor. I contacted the vendor by email, telephone message, XXXX, and XXXX without any response. 

After allowing a week for a response from any channel and receiving none from the vendor I initiated a dispute online a the Chase disputes website. The dispute form does not easily allow for partial disputes so I opened the dispute and the followed up with a telephone call. The amount in dispute is XXXX of the order price as only XXXX of the order was shipped. {$XXXX} On XX/XX/XXXX I received a note from Chase that I had validated the charge and that they would be rebelled. 

I had not validated the charge. I followed up by contacting Chase Disputes at the number on the letter and they insisted that I had on XX/XX/XXXX ( which is absolutely impossible as I was in XXXX during that time ). They insisted I had to re-open the dispute by mail. I have copied their letter, replied that I never validated the entire charge, that the dispute for {$XXXX} is still valid. 

Chase is argumentative and unhelpful. They improperly closed a dispute in violation of the Fair Credit Billing Act. I have met all my obligations by timely filing my dispute and timely follow up to their invalid closure of the dispute.
Product: Credit card

On XXXX my financial institution sent an electronic payment to Citi/Best Buy. The payment was due on XXXX/XXXX/17. With the banking system shut down for the holiday. My payment did not post to my account until XXXX/XXXX/17. Thus, causing the system to access my account a {$27.00} late fee. In the history of my account, I 've never had a missed and or late payment. The same system for making payments has been used every single time. After reaching out to Citi/Best Buy via chat. The associate named XXXX was able to promise an adjustment to my account for the {$27.00} incurred. The associate then proceeded to tell me that I should have used their website to make a payment. That 's it 's open 365 days per year. I do n't need someone lecturing me on how to pay my bill to your company. I 'm sure that I was not the only one caught in this dilemma with Citi/Best Buy and or other credit products you manage.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because i was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports : inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX
Product: Mortgage

I need help getting my property taxes paid as my mortgage company has been unable to for the past two months. I've been calling since XXXX since my loan was transferred over to Mr Cooper my mortgage company with a XXXX tax payment that was never made and is now overdue. I'm now in Tax Foreclosure territory, please let me know how I can pull the XXXX sitting in my escrow to make the payment on my county tax site as the money is just sitting there and they have failed to make the payment. I've called Mr Cooper 6 times and even the escrow department 5 times as they work with XX/XX/XXXX but even they are non responsive. They seem to not want to pay the taxes even though the money is there in Escrow to make the payment. Mr Cooper now has stopped responding to me, I've opened escalation tickets, called back time and time again and I don't know what more I can do or who can help me ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Arizona opened an account with Affirm in my name in 2019. They made a few payments to not damage my credit, as they were using my credit for other fraudulent accounts as well. Affirm is reporting this charge off to XXXX and has been for quite sometime. I've tried everything I can to talk with someone there about it including calling XXXX XXXX. When I finally spoke with XXXX XXXX he said he was having XXXX  treatment and I should not bother him again. The last response from the company was that they needed everything in the file in order to speak with my attorney XXXX XXXX. I've since provided everything they have requested and when I speak with their customer service they just say they are working on it and someone will respond to me in 3-5 days, but nobody ever responds.
Product: Mortgage

When Champion/Nationstar purchased our RM from   XXXX   XXXX  , we were not notified until well after the transaction took place. Champion claimed I owed all taxes for     XX/XX/XXXX  bu t I had paid {$3500.00}. to the tax authority, Check #  XXXX , then  4 payments  each of {$5.00}  XXXX  to   XXXX .  If I were notified of amounts involved in the purchase, I could have corrected. Now  Champion  tells me to collect any overpayments myself.   On   XX/XX/XXXX ,  Champion/Nationstar filed foreclosure against my deceased wife ( she died     XX/XX/XXXX   ) for {$16000.00} claiming these were taxes in arrears paid by   XXXX  and Champion . Included were taxes  ( real es tate ) in the amount of {$10000.00} for tax yea r  XX/XX/XXXX  su pposedly not paid. My actual  RE tax es for   XX/XX/XXXX   totaled {$5600.00} but Champion thru their attorneys,   XXXX   XXXX   filed anyway forcing me to pay the full amount of {$16000.00} to keep my home. Only later did   XX/XX/XXXX  remo ve foreclosure but it remained on my credit report.   I have been charged appraisal, inspection and legal fees but when I ask for proof,   Champion declines.
I asked Champion to   increase my RM as dictated by the Obama administration.  Champion uses the appraisal from the beginning of the RM of {$250000.00}. but refuses to a ccept current appraisal of {$340000.00}.   Foreclosure is set fo r  XX/XX/XXXX   even though I disputed all.
Product: Mortgage

Dear Bank Of America I need your assistance. In XX/XX/2013 the loan was modified. I have been provided a tax document that is unclear to me. 

In XX/XX/2013 my BOA Rep stated the amount that was forgiven included all negative escrow except for the deferred amount. As well as I am starting at a zero negative escrow - what date do you have of zero escrow starting date? not including deferred amount XXXX my question is based on tax document How much of the money I paid went to property tax? if none why not? as my rep stated my payments would be applied as follow principle interest tax based on new payment structure I have requested clarity from prior new servicer XXXX and current servicer XXXX neither have an answer The payments on tax document appear to have went to interest only for the four payments made why? 

At what date was the amount of escrow at zero from modification? ( except the deferred amount ) My representative confirmed funds would not go only to interest and disappear - as this was part of my concern with modification process. 

As I set in study groups and heard this story from other home owners. 
my funds were improperly applied and none went to principle and or tax as state by BOA. 

My funds paid match exactly the breakdown of payments principle interest tax
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, Mpower Financing placed a hard inquiry on my XXXX report that led to a drop in my credit score, negatively impacting my overall credit health. I filed an ID theft report with the FTC and formally wrote to Mpower Financing requesting detailed and specific information about what led to the hard inquiry. Even though it received my letter, the company refused to provide the information that I requested. Instead, it sent random emails to me claiming the inquiries were made in error. My credit score has remained same since it dropped as a result of the inquiry, though it sent me an email saying it had removed the hard inquiries. I needed the specifics of what exactly happened to enable me take actionable steps to prevent the recurrence of such fraudulent activities on my credit report. However, Mpower 's deliberate refusal to provide the information, as required by law, is making it practically impossible for me to take further action to secure my financial health.
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 : XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX
Product: Checking or savings account

I called and disputed some transactions with fifth third bank. And they closed down all of my banking accounts that are under my name and terminated me as their customer or client. Now all of my recurring payments, rent payments, everything payments became late and bounce checks and being charged for a late fees or fines. They didnt give me a full time to prepare to get a new banking, they immediately shut down everything. I ordered plenty of checkbooks for my business also, and now they are trash now. My cases or claims got misunderstood and messed up and denied. Now most of them are closed for my favor but still have XXXX more claims need to be done. Now i am suffer with the returns and late and NSF fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the fair credit reporting act DPT ED account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

capital one denied my claim of XXXX with capital one it was for discount tires! They denied my claim for some reason even tho I provided document of the receipt. The tire place wouldnt let me return the tires and wheels even tho it was the wrong size! And the moment I summited all document capital one denied my claim in a couple hours! I dont even know how you can investigate in a couple of hours. Then when I called they proceeded to waste my time and not help me at all! They said I didnt provided the additional document but I have already! And they try to blame me for it! I have all the receipts and everything. I took all my money out from capital one and I wont be using them anymore this is a terrible bank!
Product: Bank account or service

At the start of this year I saw multiple promotions on the Citibank website in regards to the opening of a CitiGold checking account. This was done using promo code XXXX which was then confirmed multiple times by Citi bank via their online systems. I then proceeded to meet the requirements ( as was also confirmed via their online system and Which should have resulted in me getting XXXX XXXX XXXX miles. into my account. I even got feedback from them that I met the requirements etc. I will attach screen shots of all of the messages and confirmations later in my complaint. They not only proceeded to charge the XXXX USD a month fees but have not honored the sign up bonus. This is a clear form of bait and switch and as you will see they even tried to delay my complaint by telling me to wait a few months for the miles to post ( which resulted in more account fees ) Finally on XX/XX/XXXX they denied that I was even eligable for this promotion whcih they had clearly confirmed many times prior ( see the emails from Citi ) As I clearly met all of the terms and conditions and since that was cleartly confirmed by Citibank I want the XXXX XXXX miles credited to my XXXX account asap.
Product: Credit reporting or other personal consumer reports

Subject : Credit Report Dispute Inaccurate Account Information To Whom It May Concern, I am disputing the following accounts on my credit report due to inaccurate reporting : 1. XXXX XXXX ( Account # XXXX ) Balance : XXXX 2. XXXX XXXX XXXX XXXX  ( Account # XXXX ) Balance : XXXX These are the accounts that I have marked innacurate
Product: Debt collection

RENTRECOVERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Account XXXX {$1500.00} Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. 
They have broken the law by their non-response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage response from you expeditiously.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of the account with the original creditor which show 2 completely different balances. Furthermore, the original creditor stated that the account was sold to the XXXX XXXX. This debt you are claiming on my credit report is not mine and I was given no evidence of my obligation to pay this debt to this collection agency named XXXX XXXX. The FCRA requires you to verify the validity of the item within 30 days in which you failed. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. I look forward to an uneventful resolution of this matter.