23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Dear TD Bank, I hope this message finds you well. I am writing to seek your assistance in resolving an issue that I have been experiencing with XXXX. The transaction in question is named " XXXX XXXX XXXX CA {$130.00} '' and took place on XX/XX/2023. This specific information should help you locate the transaction and investigate it accordingly. Unfortunately, XXXX 's refund policies have proven to be quite time-consuming, requiring a significant amount of effort, and have caused me a great deal of stress. Thus, I am reaching out to you in the hopes of finding a more efficient solution. To support my case, I have gathered screenshots that clearly demonstrate the fraudulent actions of the merchant " XXXX. '' These screenshots provide evidence that he scammed me out of my money by failing to deliver the promised product, an " Australian Cattle Dog puppy ''. Moreover, when I attempted to contact him through my primary phone number, he blocked me and claimed that I had messaged the wrong number. In my last attempt to communicate with him in good faith, I used an alternate phone number, only to receive vulgar and explicit language and photos in response. I must emphasize that these explicit images were sent by XXXX and were not solicited by me. Given the severity of this situation and the detrimental effect it has had on me, I kindly request that TD Bank not only launch an investigation into this matter but also facilitate a full refund to my credit card from XXXX. I believe it is only fair that I will be reimbursed for the amount I paid to this dishonest merchant. I am prepared to provide you with the factual evidence I have gathered through the aforementioned screenshots. Please review these screenshots in the order they are presented to fully understand the situation and support my request for a refund. Thank you for your attention to this matter. I greatly appreciate your assistance in resolving this issue promptly and ensuring that I am refunded the full amount. Sincerely, XXXX.
Product: Debt collection

XX/XX/2024, as a federally protected consumer XXXX seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
. 
I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX Contact Information : Email : XXXX Phone : ( XXXX ) XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Complaint Against [ Professional Debt Mediation ] Dear Sir/Madam, I am writing to file a formal complaint against [ Professional Debt Mediation ] for violating my consumer rights under various laws and regulations. The collection agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my consumer report. Furthermore, I have not been given the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Additionally, the collection agency is using false, misleading, and deceptive means in its collection efforts, which is a clear violation of consumer rights. They do not have the authority to furnish any account to consumer reporting agencies without providing the necessary disclosures required by law, as stated in 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

I hereby dispute any and all debts to [ Professional Debt Mediation ] and revoke all rights for them to communicate with me via email, texts, or calls. I request that they provide debt validation and furnish the purchase agreement between them and the original creditor. I also request proof that they are licensed and bonded to operate as a collection agency. 

I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against [ Professional Debt Mediation ] for their violations of consumer rights and laws. I appreciate your prompt attention to this matter and look forward to a resolution. 

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

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$26.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Consumer Loan

I requested a XXXX Loan from M & T bank but it was not processed as I wished. Instead of processing a XXXX Loan the Vice President XXXX XXXX processed an M & T XXXX Loan Application and today I received a denial letter. The Federal Equal Credit Opportunity Acy prohibits discrimination and I am protected under the Consumer Credit Protection Act. My rights have been violated. As well as my credit score could have been effected by her actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to apply for a car and was told it would be one hard pull. After checking my report it ended up being way more than 1 pull. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX
Product: Debt collection

XXXX XXXX, XXXX I received an invoice from ONline IS, a collection agency, stating I owed {$750.00} for an emergency room visit on XX/XX/XXXX at XXXX, XXXX XXXX XXXX in XXXX, TX. I called the number provided and spoke to a young man. I didn't get his name. I told him I believe this invoice is in error, because I have never been to Texas and I was not in Texas on that date. He said he would file paperwork for validation and send it out to me. I received the letter on XX/XX/XXXX with the " validation. '' The type is extremely small and really doesn't have any personal information on it other than a name that is the same as mine and the same birthdate. Under address, it states " BAD. '' Oh yeah, and my XXXX. Mind you, this is at the height of COVID. How many people went through that hospital ER? Not me. I was home, in another state. The paper they received as validation '' shows that the original charge was {$750.00} on XX/XX/XXXX there was a " Discounted Selfpay '' ( XXXX ) of {$400.00}. So the " new balance is {$350.00}. So, their initial invoice to me for {$750.00} was " incorrect '' I called this agency again ( XX/XX/XXXX ) and spoke to XXXX, Assistant MGR of ONline IS and told her that this isn't me. I haven't been to Texas. I asked her where they come up with my address and she said that " we had your name, birthdate and State and that's all we need to start this process. '' They didn't have my phone/cell too... until I called. The don't have my maiden name, my insurance information, my ethnicity, my ssn, my spouses name, etc. They went fishing and caught me, an honest person. I called XXXX, XXXX XXXX XXXX in Texas and spoke to XXXX, in the Business office and told her what was happening. She looked up the info, my name and date, and she this info was in the system, but there was a {$0.00} that was due. She also said they did not have any of the information I listed above ssn, ins, etc. She said that they don't use outside collections only in house ( CLRA ) and she has never heard of ONline IS but did say that the ER acts like a separate entity and wasn't sure how they operated ( no pun intended ). I was not provided an itemized bill. I do not have the number of XXXX XXXX XXXX, MD ( SXXXX XXXX XXXX XXXX  ) who was the doctor who worked in the ER of XXXX XXXX XXXX XXXX XXXX with the person that has my name and same birthdate. I have never received any type of correspondence from this office or this doctor. There is a patient ID on the print out. I am NOT this person. I did not go to the state of Texas during that time or anytime for that matter.I have filed a report with FTC and my local police. My local police responded and said DO NOT take any phone calls or provide them any further personal information. Which I won't but I am worried that they will attack my credit.
Product: Credit reporting or other personal consumer reports

XXXX : XXXX. XXXX reports 2 late payments, Experian reports 0 late payments, and XXXX reports 3 late payments. This account has NEVER been late. I have disputed it on XX/XX/XXXXXXXX XXXX, and XX/XX/XXXXXXXX The company has not responded or even touched the account. They have not investigated. They are violating my rights. This needs to be updated to NEVER late. 

XXXX XXXX XXXX XXXX : Has not provided any validation of this debt. I have no clue what it is. I have no been given an itemized copy of anything. I requested validation on XX/XX/XXXXXXXX They did not investigate account. I disputed again on XX/XX/XXXX. They STILL have not sent me anything showing what I owe. Besides violating my right to know what my debt is for, XXXX is reporting the account as open. The dates of last acctivity are years apart. the date open is inconsistent. XXXX doesnt have the original creditor listed. Delete this account now. 

XXXX : Both XXXX and XXXX have updated this account to never late. Experian refuses to investigate. I disputed on XX/XX/XXXXXXXX XXXX, and XX/XX/XXXXXXXX Experian needs to update this account to NEVER LATE. This is the newest dispute to experian. " This item was UPDATED TO PAYS AS AGREED, NEVER LATE by XXXX and XXXX on XX/XX/XXXXXXXX  due to it reporting inaccurately. You were to be notified yet you are still furnishing it. Please UPDATE TO PAYS AS AGREED, NEVER LATE. '' XXXX XXXX XXXXXXXX : Has not provided any documentation on when they say the account was late 3 times. I completely contest that. This account needs to be updated to NEVER LATE. 

XXXX XXXX XXXXXXXX : Has not provided any documentation on when they say the account was late 3 times. I completely contest that. This account needs to be updated to NEVER LATE. 

XXXX XXXX XXXX : The account has been disputed on XX/XX/XXXXXXXX XXXX and XX/XX/XXXXXXXX The payment status reflects 30 days late with Experian and XXXX when the account is paid in full. It reflects current with XXXX. The dates of last payment are wrong - XXXX reports XX/XX/XXXX, Experian and XXXX report XX/XX/XXXXXXXX XXXXXXXX and experian report XXXX as 30 days late, but current with XXXX. XXXX reports XXXX as 20 days late, but current with XXXX. This account is filled with errors and none of them have been fixed! 

XXXX XXXX XXXX : This account has been disputed on XX/XX/XXXXXXXX XXXX  and XX/XX/XXXX. Nothing has been fixed. XXXX reports XXXX as 30 days late, but other two bureaus havbe current. Experian reports XXXX as 30 days late, but current with other 2 bureaus. XXXX reports XXXX as 30 days late, but current with other XXXXwo bureaus. The payment history is completely inaccurate. It needs to be updated to NEVER late immediately! 

XXXX XXXXXXXX : This account has been disputed on XX/XX/XXXXXXXX XXXX XXXX. ITS HAS NOT BEEN TOUCHED. XXXX reports XX/XX/XXXX as 90 days late. XXXX and Experian report it as current. XXXX and Experian reports XXXX as 60 days late. XXXX reports XXXX as 30 days late. This account NEEDS to be updated to NEVER late. There have been consistent errors without anyone investigation!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not removed the accounts. Am I to take from the actions of Equifax that they do not need my written consent to report these accounts as I have pointed out are a violation to me as per the codes 15 U.S.C 1681 section 602 A & 15 U.S.C 1681 Section 604 A Section 2? The following accounts need to be DELETED! I am being greatly damaged due to these reports as a consumer. 
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX- account # XXXX, and XXXX XXXX XXXX # XXXX XXXX have XXXX 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.
Product: Consumer Loan

Ford Motor Credit is reporting a repossession on my credit report that is inaccurate. The vehicle was never repossessed during the time i had a loan with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened the XXXX XXXX card on XX/XX/XXXX of 2018 and was charged the annual fees upfront which amounted to almost {$100.00} ( {$75.00} + {$19.00} ) and on XX/XX/XXXX my credit score went down 54 points. I did not have this card within 30 days and it was reflected on my credit report. Since then, I have made 4 payments and the company has refused to allow me to make another payment this month. This card is supposed to help build credit but won't allow me to take the proper steps to ensure I can maintain my credit report.
Product: Credit card

Enrolled to autopay with XXXX credit card under Comenity, assume payment was made. On XX/XX/2024, was told payment was late and nothing cant be done about late fee or missed payment. I tried to communicate my honest mistake, and they said they cant overlook my mistake. They refuse to help me resolve the issue. The way they conduct business is very predatory, when I had all the intention to pay credit card on time. Any consumer who signs up for autopay, assume that the payment will be made. It makes no sense to wait for the following month for autopay to be active, a simple coding adjustment can be made to make it efficient for both consumers and private business to ensure payment process is done to cut off the non sense of banks and financial institutions to over charge people.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. I paid the original creditor before the collection/charge-off status Account information is inaccurateAccount name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX original debtor XXXX XXXX XXXX Reported on XX/XX/year> XXXX {$620.00} Account details TransUnion LLC Account XXXX XXXX Date opened XX/XX/year> Contact info XXXX & XXXX XXXX XXXX XXXX XXXX ( TransUnion LLC ) Collection Account details XXXX Account type Collection Account status/number XXXX Date opened XX/XX/year> Date closed XX/XX/year> Contact info 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.

and according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 15 USC. 1681-2 ( 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: Money transfer, virtual currency, or money service

AT XX/XX/year>, XXXX AM XXXX i sent money via bank transfer using sendwave to my doctor XXXX XXXX XXXX in the XXXX, for a downpayment of my XXXX worth XXXX USD, 4 days later the transaction was still processing. and by the time XXXX of XXXX came they emailed me a new receipt still the same reference number everything except the time stamp that it was delivered was change to the XXXX of XXXX. i follow up throughout those days, sent the necessary documents and today XX/XX/XXXX they sent me an email around XXXX saying that transaction went thru in the XXXX of XXXX but, when i asked the receiver the same day, he sent me a screenshot of his bank and still nothing. they're just going putting me on a loop with no answer
Product: Debt collection

This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00}, XXXX XXXX Date Opened : XXXX : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$62000.00}, XXXX XXXX XXXX Date XXXX Balance : {$0.00}, and XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}. Please delete immediately.
Product: Credit reporting or other personal consumer reports

Toyota Financial Charged off an account when they shouldnt have. This impacted my credit score and had dropped my score, my credit score was XXXX, and now is XXXX which is significantly lower. I need my credit score to be where it was at before this error occurred.
Product: Debt collection

I checked my report for accuracy and saw an account for ONLINE INFORMATION SERVICE from the Original creditor : XXXX XXXX XXXX XXXX in the amount of {$180.00}. 

I was in an XXXX XXXX for the last XXXX years. My husband used my name and caused all of the bills to move into collection. The relationship caused me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to the ongoing XXXX At the time of this collection, I as in the hospital XXXX XXXX a XXXX XXXX, XXXX XXXX XXXX and a XXXX 

I finally came forward about the XXXX  this year and the judge put him in jail, and expedited the divorce. 

I am now on my own and in the process of trying to get custody of my kids. The judge states I am good standing to get my kids as long as I XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

I just started a new job, and now i am trying to get approved for my home. 

I am requesting deletion of this debt when paid in full.
Product: Prepaid card

Rush card has {$1300.00} of mine held in my account i can view it in there on their website but I have not had access to it since XXXX XXXX. When I have tried contacting them to fix this situation by email, mail and phone I have been put on 1-2 hour holds then hung up on. I spoke with a rep and asked to have my direct deposit returned to the sender only to have them tell me they could do no transactions of any kind. It is now XXXX XXXX and all of my bills are late and I am stranded more than XXXX miles from my home. I still have no access and they tell me they dont either!! Please help!!
Product: Mortgage

Upon review of my recent mortgage statement, the loan balance has reached 75 % of the appraised value of my home at the time of purchase, yet PMI was not automatically canceled at 78 % as required by the Homeowners Protection Act. The mortgage statement indicates ongoing payments toward PMI. The appraised value of my home is {$120000.00} ; the loan balance is {$90000.00} ; the debt to appraised home value is 75.4 %. Twelve or more excess PMI payments have been paid since the home value reached the prescribed cutoff threshold of {$93000.00}.

Rather than contact the loan servicer ( Chase Bank ) on this matter, I am reporting this directly to the Bureau for a more detailed review. In my opinion, there is a high probability that this is a systematic problem rather than an individualized one and many, many consumers could potentially benefit from an in-depth review of these billing practices.

My mortgage statement does not show the original appraised value at the time of purchase. Without this information, the casual consumer, such as I have been, could easily and blithely continue paying unnecessary PMI until the Chase system flagged it for automatic termination.