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

FORMAL DEBT DISPUTE LETTER ( For XXXX XXXX XXXX XXXX TrueAccord CorpXXXX XXXX XXXX XXXX TrueAccord Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TrueAccord Corp., I am writing to formally dispute the validity of the alleged debt referenced in your notice regarding XXXX XXXX account ending in XXXX and TrueAccord account number XXXX. I do not acknowledge this debt as mine, and I am requesting full verification under my rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Disputed Account Details : Original Creditor : XXXX XXXX Account Ending In : XXXX Current Balance : {$4300.00} TrueAccord Account Number : XXXX I am exercising my right to request debt validation and formally demand the following : A detailed account statement from XXXX XXXX, including a full history of charges and payments. 
A copy of the original signed agreement, proving my legal obligation to this debt. 
Proof that TrueAccord legally owns or has been assigned this debt for collection. 
A complete breakdown of the balance, including any interest, fees, and penalties. 
Until the requested information is provided, I am asserting my rights under 15 U.S.C. 1692c and requesting that you cease all collection efforts, including phone calls, emails, and letters. Further attempts to collect this debt without proper validation may be considered a violation of the FDCPA.

Additionally, if this debt has been reported to credit bureaus, I am requesting an immediate investigation and removal under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

If this debt is the result of identity theft, an incorrect charge, or an erroneous assignment, I expect an immediate resolution. If litigation is pursued without proper verification, I will consider legal action against your company. 

Please confirm receipt of this dispute and provide the requested documentation within 30 days as required by law. Failure to validate this debt will be considered confirmation that it is invalid and must be removed from any collection or credit reporting activities. 

Sincerely, [ Attachments ( if applicable ) : Copy of Debt Collection Notice Copy of Any Previous Correspondence Copy of Identity Theft Report ( if applicable ) This letter ensures debt validation and halts collection activities until verification is provided. Let me know if you need modifications!
Product: Debt collection

I was broken into 3 times to my apartment. The 3rd time the burglar took my important documents which resulted in taking my XXXX XXXX credit card. I was unaware as I wasnt using the credit card anymore. After some time I received mail that my account was in collections. To avoid this getting reported to the collection beraus I tried paying it off but I then noticed the charges werent mine.
Product: Credit card or prepaid card

Dear Amex, Thank you for your reply. I feel your missing the main point here. My contention is that with adequate internal controls, a scam like this would not be possible. All credit card companies already have similar controls in place to protect against and combat regional charges that are impossible over a short time frame as well other anomalous account activity. 

Why can't American Express implement internal controls to prevent account holders from purchasing exorbanant amounts of gift cards over a short period of time when it's not even XXXX. Nobody, in good judgment, would buy {$5000.00} worth of gift cards even at XXXX, unless they were under duress and facing the undue influence of a scammer. 

Why can't American Express understand this concept and recognize the need for internal controls to address this? 

Sadly, as I've stated before, Senior Citizen cardholders are victims of this type of scam all the time and I feel American Express is not practicing the due diligence needed to protect these Seniors. 

I feel this is a complete failure of leadership at American Express to not address this matter with the proper internal controls. But I'm certain after enough people become victims and complain, American Express will eventually address this matter after losing enough customers and in turn enough money! What would share holders think about their investments in a house of cards? 

I feel this dire situation should be escalated top management. 

In the meantime, I am once again requesting that you implement a series of internal controls to protect American Express customers and I would like these charges that were predicated upon fraud written off from my account balance. I understand such an initiative would be very expensive for AMEX, and I would gratiously settle for these charges to be removed from my account balance. 

But make no mistake, I implore AMEX to do the right thing and protect it's customers with the above mentioned internal controls as I feel the way this has been handled thus far has been a cruel farce! 

Clearly Amex has a huge hole in the bucket which needs to be plugged! Please govern your company accordingly. 

Thank you,
Product: Credit card or prepaid card

PayPal Credit owned by Synchrony attempted to collect a payment from an unauthorized checking account twice, resulting in insufficient funds fees on both occasions. The PayPal Credit website presents options to choose from where you would like to make a payment to your PayPal Credit account. This list of accounts is pulled directly from the PayPal Wallet linked to the same account holder, which is managed and controlled by PayPal and NOT Synchrony. However, the list presented on the Synchrony website contains invalid data consisting of account and routing number pairs which were NOT " verified '' in the PayPal system. Accounts that have not had their ownership verified through the standard PayPal process ( which I can only guess is covered by their legal terms and conditions ) should NOT be presented as a possible source from which a payment can be made to the outside/separate Synchrony credit account. Because I only expected a single line item for my normal checking account, I chose the option clearly labeled " XXXX XXXX XXXX XXXX checking '' and authorized a single payment, but unfortunately, Synchrony attempted to charge the UNVERIFIED account instead of the usual one, as a result of the bad information presented on and by their website. When this payment failed, another attempt was made, resulting in the second aforementioned insufficient funds fee. Synchrony 's representative claims their institution did not make the 2nd attempt but rather PayPal made the 2nd attempt directly. I do not know, but either entity should have had absolutely no way to attempt a payment against an UNVERIFIED ACCOUNT. While I recognize this is not outright fraud as it would be if some entirely other person made the payment illegally, this issue still clearly needs addressed. This is highly misleading, possibly against their own terms of service, and results in financial damages and hardships for people who don't deserve - average consumers.
Product: Credit card or prepaid card

On Saturday, XXXX XXXX, XXXX I submitted an online application for a XXXX XXXX XXXX after reading all available web site information. The application page indicated an immediate accept or decline decision would be made. However after pressing the apply button, a standard screen appeared that indicated a decision would NOT be made immediately and instead there would be a 10 day wait for processing. I then called the company 's customer service number and requested that the application be cancelled as I was not comfortable with they way the company was representing themselves and the process. I was told by the customer service rep that it was not possible to cancel an application and I would have to wait until I received a mailing from Barclays to proceed further.
I told the representative I was most displeased and disappointed with Barclays ' policies first of the application approval/decline process and then compounded by their refusal to cancel an application - particular since this qualifier was not present anywhere on the application page or on the apply button itself. The representative still indicated that there was nothing he could or would do to resolve the situation. If possible, I would appreciate assistance personally from the CFPB and at least please post this experience for others so they can avoid the same problem. Thank you.
Product: Credit card or prepaid card

Discover Financial services advised me I would have to sign an IRS release for my tax returns in order to keep my account active & open, once I signed the release & before they got the information the locked my account & refused to allow purchases. When I called to find out why, they said it's locked until they get the information from the IRS. In my 20 years I've never had a credit card company ask for my tax returns for verification, I do believe Discover is targeting me because I filed another complaint against them for not apply my payments correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient reported that I had missed multiple payments on my student loans balance based on my income. In reality, I had made every payment on time. The problem was, when I was making my payments, they were applying my payments to one loan and not the sum of my loans. In turn this resulted in saying I was missing payments which greatly affected my credit score. I was at a XXXX and this Navient mistake took my credit score to a XXXX. I have tried to reach a solution with their customer service department which resulted in no help at all. I am now stuck with horrible credit of a " missed payment '' when that isn't true at all. I'm XXXX and dealing with this and it's such a struggle.
Product: Credit card

On Monday XX/XX/2024 I made a purchase at Kohls in XXXX, Alaska. The clerk told me I could answer " Yes '' to XXXX questions and then receive a discount on my purchase. I asked her if this was for a credit card and she said " No ''. She said I didn't have to get a card if I didn't want to and the questions would allow me to get a discount that day. 

I completed the questions. She had to call someone to verifiy something. She then tells me that she can't give me the discount and someone would be calling me. She mislead me into thinking I was apply for a store discount program, and not a credit card. 

I received that call XXXX  days later. The person on the phone said I had applied for a store credit card. I explained I had not.
Product: Debt collection

They never sent information to me when I requested. They have duplicated derogatory marks on my credit report with all three credit reporting agencies. XXXX XXXX, XXXX and XXXX. They have different amounts listed and this has been bought and sold off so many times they can not keep it straight BUT all of the derogatory marks needs to be cleaned off my credit report with all three agencies. This is not my debt and it they can not prove it, ever.
Product: Vehicle loan or lease

My vehicle was repossessed due to financial hardships I was going through at the time. I was in communication with Gm financial and it was depending on which employee would help you type basis. After missing 2 payments they had repossessed my vehicle with no after notices. In California, after a vehicle is repossessed, the lender or repossession agency must send the owner several notices : Notice of Seizure Within 48 hours of taking possession, the repossession agency must send a notice that includes the names, addresses, and phone numbers of the legal owner and the agency. The notice should also state that the agency is responsible for any damage to the vehicle during repossession. If the agency doesn't send this notice, the owner can sue them for repossession and storage fees. 
Inventory of Personal Effects Within 48 hours of taking possession, the repossession agency must send an inventory of all personal items found in the vehicle. 
Notice of Intent to Sell Vehicle Within 60 days of repossession and at least 15 days before the sale, the lender must send a notice that includes the following information : The car will be sold after 15 days from the date the notice was mailed or given The amount required to get the car back before the sale The reason why the full amount must be paid The owner 's rights regarding reinstating the loan or redeeming the vehicle Post-Sale Accounting After the sale, the creditor must provide the owner with an accounting that includes the sale price, how the funds were used, and any surplus or deficiency.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following fraudulent accounts and inquiries be blocked and permanently deleted from my credit report. I am a victim of a data breach, and these items have been fraudulently added to my credit history. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request your immediate action in removing these inaccuracies. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX {$00.00} Fraudulent Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX I deposited my significant others California federal government state tax check into my CHASE checking account. We both went into the branch showed our ID to a banker, he proceeds & endorses the check to me & she deposited it & said it would be available on XX/XX/XXXX. Its XX/XX/XXXX & chase said they can not release the funds until they verify that my significant other authorized the transactions ( which he did at the branch ) and will have to verify him through phone number. I gave them both his phone numbers & a chase rep said they are not showing in the records that thats his number even though it is. I bought them billing statements from the phone company, his ID, social & birth certificates & still get turned down. Please help were in need of this money & are willing & able to provide verification. My account is closed & they said the check is in suspense until they verify them & the bank it was issued to said they cant reverse or recall the check because it was cashed XX/XX/XXXX.
Product: Mortgage

Dear Consumer Financial Protection Bureau, Complaint ID XXXX, XXXX XXXX Theycan stop/cancel the foreclosure sale/foreclosure auctionanytime they want.and They can dismiss the case like XXXX XXXX 

XXXX their UNLAWFUL loan documents and their UNLAWFUL Act.

Primary Residence Property Address : XXXX XXXX XXXX, XXXX, MD XXXX XXXX. The loan documents include the compound interest for 11 months and about {$100000.00} construction hold put that into the interest.Those violate the law.There are Rules and Regulations for those lending violations. 
XXXX. Appraisal Unlawful Act : Not only intentionally alter the Appraisal Value in the Loan documents and knowit and refuse to provide the Original Appraisal Report for the loan documents.Also come up with another Appraisal which tries to stage the amount closer to the amount in the loan documents and the value is outrageously low. 
XXXX. There is no more loan extension with XXXX XXXX XXXXXXXX after last XXXX that document, there is NO loan document modification or NO forbearanceor NO loan extension I signed .If there is such a document, and asking and sending the statements for the unsigned payment agreement, That document would be FOGERY and UNLAWFUL statements. 
4.When there was a mediation in XX/XX/2024, XXXX XXXX XXXX XXXXXXXX XXXX came to the mediation. He said they will consider to provide for XXXX years mortgage loan. That guy is nowhere to be found.They asked me to send the financial documents to their attorney like tax returns and many financial documents since XXXX until XXXX. 
They did that intentionallytrying to take advantage of the financial information and documents. 

XXXX. Before I took the XXXXXXXX XXXX XXXX, there was already so much Equity in the House. The Appraisal report value from XXXX XXXX XXXX  is XXXX  XXXXThose are my Labor.My Labor as a XXXX XXXX in all loan documents and Labor Theft is Unlawful. 
XXXX. When I emailed XXXX XXXX and XXXX, they find the mistakes and try to fix it and dismiss the case last year. 
But when some companies intentionally, premeditated, commit UNLAWFUL acts, it has to be corrected. 

XXXX. Many Reputable Banks and Many Reputable Lenders and Many Reputable Companies in the U.S, when theyrecognize they find mistakes or Errors, they willingly correct it and take the responsibility.They have High Moral standards. 
They do Not try to stage or fabricate the documents or the scenes or do Not alter /forge the documents and deny. 
That is why Top of the Top Countries in the World and Everyone 's dream. 
Please take actionagainst Unlawful Lending acts and Please Protect the Homeowners. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Money transfer, virtual currency, or money service

I logged into my Binance.us account and they have new terms and conditions as of XX/XX/2022 saying I need to agree to the sharing of my biometric data to access my account. I was never given notice that there would be new terms. I cant access my money to withdraw it and delete my account without first agreeing. I dont understand how its legal that they can hold customers money hostage. I dont agree to the terms and I want to withdraw my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this letter off on XX/XX/2023, I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. I also have the tracking number stating that I mailed these letter disputes as well for someone to sign for. 

According to FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or with who may have knowledge concerning any such items of information. 

They stated these accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurately and according to the FCRA 15 USC 1681 everything has to be in order for the account to be considered 100 % accurate. 

Accounts listed here : XXXX XXXX XXXX XXXX {$1000.00} opened XXXX XXXX XXXX XXXX XXXX {$1200.00} opened XXXX XXXX XXXX XXXX XXXX {$1200.00} opened XXXX XXXX XXXX XXXX XXXX {$870.00} opened XXXX XXXX XXXX XXXX XXXX {$820.00} opened XXXX
Product: Debt collection

I have disputed this erroneous medical debt to the three  major credit bureaus. This debt collection agency has validated this debt three  times. They are claiming I owe {$450.00} and have it listed on my credit reports as a collection. " Bureau of Med ECONS XXXX '' Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX ( XXXX ) XXXX I have sent them a notice of dispute of debt and request of method of verification without response. 
I have perfect credit with the exception of this erroneous collection account that is not mine. 
I did a dispute with all three credit bureaus and even placed a fraud alert on my report over this. 
I want this collection debt removed from my reports and I want proof of ID they have on file and all other forms of verification where they are staying this is my debt.
Product: Debt collection

XXXX XXXX XXXX XXXX they put this on my credit 5 times for the SAME bill {$620.00} XX/XX/year>2020 Same company account no XXXX amount XXXX again they did it four times XXXX  partner XXXX XXXX twice XXXX XXXX  account XXXX Amount XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never did business with Commercial Acceptance CO, they 're reporting inaccurate information on my report stating that i owe them XXXX dollars which i do n't recall borrowing from any credit card or any company. I really will appreciate if they take the negative item off my report, If they are n't able to remove this negative reporting that 's really affecting my family live, i will like them to provide full verification and contract that proof that i owe them this debt.
Product: Credit card

XX/XX/XXXX I applied for Capital One Card XX/XX/XXXX received an email that my card shipped However, I received a letter dated XX/XX/XXXX indicating " we have been trying to reach you because we think a fraudulent credit card account may have been opened '' I 'm not sure who they were trying to reach as I received no calls, emails, or other correspondence outside of this. XX/XX/XXXX I contacted your office and spoke to XXXX who I verified my full name, DOB, SSN, and full address for She indicated that what I provided was not enough information to verify my identity ( not sure how when those are standard HIPAA verification questions ) She requested my number and advised that it was n't acceptable she even requested my partner 's number ( who is n't on the account ) to verify which was n't acceptable either When I inquired what acceptable verification information was needed I was told she couldnt release that information She indicated I would have to go into a branch and verify my identity I requested all of this information in writing ( which has not been received ) On XX/XX/XXXX while setting up a joint savings account with my partner the system indicated that I already had an account ( not sure how when I never received a card ). I proceeded to call customer service and first spoke to XXXX who advised that I would need to send in a copy of my ID, a check stub, and utility bill to verify my identity ( I was not told this during the first call ). I then requested that the account be cancelled at which time XXXX transferred me to her supervisor XXXX. XXXX indicated that the card was under restriction and I would have to call Mon. and speak to a manager to cancel the card when my partner inquired why there was a restriction and why no one would provide us with information she advised her she was n't authorized on the account I advised XXXX that we were on speaker and I was still on the line She stated she couldnt verify my identity and disconnected the call! All I 've been trying to do is determine if someone else received the card and if they have been using it. No one will give me any information even though I 've requested the information in writing
Product: Debt collection

I received a FedEx delivery to my house from a debit collector that I do not do business with. They are saying in their letter for a demand for full payment to a credit card company. XXXX XXXX XXXX is who I got the credit card from and Midland Credit is threatening me with legal action from an attorney in my state which is Michigan. They are also saying in the letter to contact their legal department. I dont k ow who Modland Credit is nor do they have any signed contract between myself and them.