23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

i XXXX XXXX checked my credit report and i noticed some fraudulent and inaccurant accounts on my credit report. i then proceeded to reach out to the credit reporting agencies to look for remedy to the situation but couldn't get anyone to help me correct these fraudulent and inaccurate accounts
Product: Credit reporting or other personal consumer reports

Dear XXXX, Experian, and XXXX, Its vital that we work together to underscore the importance of adhering to rules outlined under 15 U.S.C 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). These regulations clearly establish when a consumer reporting agency can furnish a report in connection to credit or insurance transactions that are not initiated by the consumer. 

The law states that reports related to such transactions can only be provided under specific circumstances : ( A ) The consumer explicitly authorizes the agency to provide the report. This authorization must reflect the consumer 's informed consent, underscoring the need for transparent communications. 

or ( B ) If the transaction comprises an unambiguous offer of credit or insurance, even without the initiation of the consumer. 

Further, it's critical to note that, with the only exception provided under section 1681g ( a ) ( 5 ), a reporting agency should never furnish a record of inquiries related to non-consumer initiated credit or insurance transactions. 

By holding firm to these legislated conditions, we ensure that consumers ' rights to privacy and control over their personal information are respected, and trust in our financial system is maintained. It's an essential responsibility, and together, we can ensure that these regulations are upheld for the benefit of all consumers. 

Thank you for your attention to this important matter. Please remove these inquiries below asap. Attached is an ID and statement for verification of myself. 

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

Bankruptcy DISMSD/CLSD XXXX I have been informed by the courts that they did not verify this for no bureau. Consequently, litigation may follow if it is not removed immediately ... this is false and inaccurate ... I have never filed Bankruptcy ... You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) XXXX a consumer contract with my signature on it XXXX  and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..
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. Account # XXXX. 
XXXX XXXX. Account # XXXX. 
XXXX. Account # XXXX. 
XXXX XXXX XXXX. Account # : XXXX XXXX XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX. Account # XXXX. 
XXXX XXXX XXXX Account # XXXX 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.

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 items of information, other than records of convictions of crimes more than seven years.

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

I took out loans as follows : On XX/XX/XXXX Original Amount ( 1 ) {$20000.00} ; on XX/XX/XXXX Original Amount ( 2 ) {$9400.00} ; on XX/XX/XXXX Original Amount ( 3 ) {$10000.00}. On XX/XX/XXXX the first three loans were consolidated at {$43000.00}. ( On XX/XX/XXXX Original Amount ( 4 ) {$3700.00} which was not consolidated ). 

Great Lakes then sold my loan to Nelnet with a starting balance of {$43000.00}. Nelnet received a discharge notice on XX/XX/XXXX of {$20000.00}. Nelnet then applied the discharged {$20000.00} to loan ( 1 ) {$20000.00} from XX/XX/XXXX which was in consolidated in the loan dated XX/XX/XXXX. They applied the {$20000.00} to a loan that does not exist. 

I have been calling for almost a year now. I get everything from blaming the Federal Student Loan agency to them just hanging up. They arent hanging up because of rudeness, they just dont know how to fix it or pretend not to know. Nelnet has been adding interesting for the past year on {$43000.00}. instead of {$23000.00}. 

Please see the attached PDF files showing my claims.
Product: Mortgage

I simply asked Wells Fargo to verify the debt, in accordance with the fair debt practices act. And who infact the so caked debt was sold to..
Product: Debt collection

I hope this letter finds you well. I am writing to address a concern regarding the lack of statements for my account with COMENITYCAPITAL/XXXX. I recently became aware that I did not receive statements for a specific period, and after investigating the matter, I discovered that it was due to a very small balance on my account during that time. 

COMENITYCAPITAL/XXXX  XXXX  - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or COMENITYCAPITALXXXX customer service representative . 

I understand the importance of staying informed about my financial transactions and responsibilities. However, it appears that due to the minimal balance in my account, statements were not generated or sent to me during the specified period. 

I would like to request your assistance in providing me with the missing statements for the mentioned period. Understanding the details of my account activity is crucial for me to manage my finances responsibly. If there are any fees associated with the generation or retrieval of these statements, please inform me in advance. 

Additionally, I kindly request that you review your procedures for statement delivery to ensure that customers, regardless of their account balance, receive timely and accurate statements. Clear communication is essential to maintaining a positive banking relationship, and I believe that receiving statements regularly, even with a low balance, is in the best interest of both parties. 

I appreciate your attention to this matter and look forward to resolving this issue promptly. 

Thank you for your prompt assistance in this matter.
Product: Credit reporting or other personal consumer reports

FOR sloan/ XXXX XXXX and XXXX has improper information. XXXX has removed this account from my credit report for inaccurate reporting.

It states i owe nothing for this loan and yet it is still reporting as late??? not possible if i do not owe anything. 

it also shows XXXX states its closed while still adding late payments and XXXX shows transferred while still reporting. 

I OWE {$0.00} ITS REPORTING IM LATE WITH XXXX AND THATS IM OKAY WITH XXXX
Product: Credit card

In XXXX of the preceding year, I received communication from Barclays Bank offering me a significant incentive of 80,000 frequent flyer miles contingent upon my application for a Barclays credit card. In my capacity as a conscientious and law-abiding consumer, I decided to submit an application for a second Barclays credit card, motivated by the aforementioned enticing offer. I did not need another credit card ; Im retired and I travel so XXXX miles would be amazing. Keep in mind, I already have another Barclays personal credit card. They were using my existing account to bait and switch with this offer. 
Regrettably, I have yet to see the fulfillment of the promised frequent flyer miles in my account. Furthermore, I have not received a refund for the {$95.00} annual fee that was levied, subsequent to my expenditure of {$2000.00} on the card. My primary concern pertains to the non-fulfillment of the promised miles, which I had been anticipating with eagerness. 
When I engaged with the customer support division in an attempt to address this issue, the response I received was notably disheartening. I received a brief, two-sentence letter that effectively communicated their unwillingness or inability to rectify the matter in an amicable manner. This response gave the impression of a lack of commitment towards resolving the matter in good faith. 
In light of this unsatisfactory experience, I have opted to terminate my credit card account with Barclays. Additionally, I am pursuing a formal complaint through your esteemed office due to concerns that deceptive practices may have been employed in soliciting funds from unsuspecting consumers. 

It is indeed disheartening to find myself embroiled in this predicament, and I earnestly implore your organization to take prompt corrective measures. Enclosed herewith, please find an invoice detailing the annual fee that was charged to me, for which I expect full restitution. 
I have documentation proving that they baited me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681XXXX XXXX XXXX XXXX XXXX ; 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C. 681 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 or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$15000.00}, {$12000.00}, {$7500.00}, {$11000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNTS -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

-- STUDENT ACCOUNTS -- 2. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$15000.00} -This is not my account. 

3. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$12000.00} -This is not my account. 

4. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$7500.00} -This is not my account. 

5. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$11000.00} -This is not my account.
Product: Checking or savings account

On XXXX I made a cash deposit at a BBVA compass ATM machine located at XXXX XXXX XXXX XXXX TX XXXX. The machine prompted " we 're sorry your cash has been retained ''. I contacted them right away and was put through series of questions like I was trying to steal {$54.00} of my own money from BBVA. They provided me with a dispute # XXXX. They stated they will contact me back but they never did. I called and emailed over 5 occasions and was passed on from one department to another and even to the branch itself. Today is XXXX/XXXX/17 and I still do not have my money that I deposited on XXXX/XXXX/17. Everyone there keep saying that they 're limited to what they can do. Please assist. I even asked for their executive relation but was not successful.
Product: Credit card

Wells Fargo Small Business closed our business cards on XXXX without my permission or consent. I reached out to ask why and was told " our business was sold. '' I informed the WFSB supervisor that this was not true and to restore our cards immediately as we and our employees need the cards for daily business. 

Later in the afternoon, per the request from WFSB, I faxed a document requesting that the accounts be reopened and stated that the business had not been sold. I also requested that WFSB provide the documentation that stated that our business had been sold.

This morning I received an email from WFSB saying that they would not reopen the accounts. This is very stressful and a huge problem for us. Bills need to paid and products/supplies need to be purchased. 

It is highly likely that the person who sent the email this morning has not received or looked at the fax that was sent yesterday per the WFSB representatives request. Communication within this group is terrible as evidenced by this situation. ( From my previous experience it takes weeks for WFSB to read and enter a fax. )
Product: Credit card

I disputed a charge on XX/XX/XXXX for {$200.00}. The merchant did not respond to the dispute within 30 days and Capital One still put the charge back on my card on XX/XX/XXXX. I contacted Capital One on XX/XX/XXXX pointing out their error but Capital One refuses to do anything.
Product: Debt collection

I received a call from a collection company named Kinum Inc. I believe they have a corporate office in VA and IN # XXXX XXXX XXXX. However, the local Fl # is XXXX XXXX XXXX. 

The collection call pertained to an outstanding medical bill owed to XXXX XXXX XXXX XXXX {$780.00}. XXXX XXXX XXXX is XXXX @ XXXX XXXX XXXX. 

I must first state that I agree that I owe the monies to XXXX as such I do not have a complaint again XXXX ; however, I do have a complaint against Kinum Inc, so by extension XXXX is part of this equation. XXXX has always been aware that I intended to start payment arrangement in XX/XX/XXXX after my XXXX was completed. I attempted to explain my intentions to the collection representative from XXXX named XXXX XXXX. The call took place on XX/XX/XXXX @ XXXX XXXX. During the call interaction XXXX XXXX for an unknown reason did not seem engaged but rather seemed more like a bully and although I never stated that I would not pay the bill ; her response to me shook me to my core because she stated and I quote " I would have MADE YOU pay the bill! '' Right away I felt uneasy at her approach and understanding my rights I let her know that she could not make me do anything. I soon disconnected the call. 

I notified the mngr of Kinum 's local office- XXXX XXXX and I agreed to make payments monthly. But it is important to know that I never recd any written correspondence from Kinum advising me that I have been placed in collections. Under what I feel to be duress, I made the arrangements and provided my banking information but now feel uncomfortable because XXXX XXXX 's treatment means that she now have my information and can do whatever she will with my information even totally wiping out my bank account. 

I do not want XXXX XXXX associated with the collection account at Kinum for fear of reprisal. I have voiced my complaint to XXXX who informed me that they have had complaints about Kinum 's practices, yet they continue to use them. XXXX XXXX seems to be a reflection of their collection practices regardless of the protections provided to me under the Fair Debt Collection law. XXXX XXXX had a bullying mentality, and approached the situation as if she does not have to abide by the laws of the State of Fla.
Product: Credit reporting 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 : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX & XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX & XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$78.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

On XX/XX/XXXX. XXXX my loan was paid off in full with the Dovenmuehle Mortgage, inc.. 
To date have not received the {$3000.00} plus escrow account balance. 
I have made several attempts to have this paid, much recently XX/XX/XXXX and XX/XX/XXXX. 
On both of these dates, I was told that there was an error with processing. Today i asked for a specific date that I could expect my refund, but was told that it had to be escalated. 

Also, on received a letter dated XX/XX/XXXX stating that my original inquiry is under review. 

Loan number : XXXX Research Dept. number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN TRYING TO FIX A PROBLEM WITH GINNY 'S FOR 8 MONTHS WHERE I ORDERED SOME ITEMS AND PLANNED TO PAY IN FULL AS I ALWAYS DO. HOWEVER, GINNY 'S NEVER SENT ME A BILL IN THE MAIL, AND I ASSUMED I HAD PAID IN FULL AND HAD NO OUTSTANDING BALANCE WITH GINNY 'S UNTIL I WAS ALERTED BY XXXX  THAT GINNY 'S HAD PLACED A 30 DAY LATE ON MY CREDIT REPORT AS OF THAT DATE. I IMMEDIATELY CALLED GINNY 'S AND WAS SURPRISED BECAUSE I NEVER RECEIVED A BILL AND THE LAST TIME I HAD CHECKED ONLINE THERE WAS A XXXX BALANCE. 

I HAVE BEEN TRYING TO GET THIS MISTAKE CORRECTED BUT GINNY 'S WILL NOT BUDGE. YOU CAN CHECK MY PAYING RECORD AND SEE THAT I HAVE NEVER MISSED A PAYMENT WITH GINNY 'S -- I ALWAYS PAID IN FULL. FOR THE PAST SEVEN YEARS I HAVE AN OUTSTANDING CREDIT RATING WITH ALL MY CREDITORS, AND GINNY 'S IS THE ONLY 30-DAY LATE BEING REPORTED WHICH IS AN ERROR MADE BY GINNY 'S.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2024 RADIUS GLOBAL SOLUTIONS LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Account Number XXXX Amount Claimed : {$190.00} Dear Radius Global Solutions LLC, I am writing in response to your letter regarding a debt you claim I owe. I am requesting validation of the alleged debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide me with the following documentation : 1. The original contract or agreement that bears my signature and verifies that I am obligated to repay the debt in question. 
2. A complete payment history, including any charges, payments, fees, and interest applied to the account. 
3. The name and address of the original creditor for this debt. 
4. Proof that you are legally authorized to collect this debt, including a copy of any assignment or authorization from the original creditor. 
5. A copy of the IRS Form 1099-C, if applicable, which may indicate that the debt has been canceled or written off by the original creditor. 
Until I receive the requested information, please consider this debt to be in dispute. Additionally, I request that any further collection activity be ceased while this validation request is pending, as per my rights under federal law. 
Thank you for your attention to this matter. I expect your timely response, as failure to provide sufficient proof within 30 days will result in the termination of collection efforts and removal of any negative reporting associated with this debt. 
Sincerely, XXXX XXXX
Product: Debt collection

I PULLED MY CREDIT REPORT ON XXXX TO FIND NOTHING BUT COLLECTION COMPANIES REPORTING TO ALL THREE CREDIT BUREAUS OF ACCOUNTS THAT I HAVE NO KNOWLEDGE OF. I HAVE NEVER RECEIVED NOTICE OR PHONE CALLS REGARDING THESE ACCOUNTS. THE COLLECTION COMPANIES ARE AS FOLLOWS : 1. XXXX XXXX XXXX  XXXX- ACCOUNT XXXX  XXXX ( NO KNOWLEDGE ) 2. XXXX XXXX XXXX- ACCOUNT XXXX XXXX ( NO KNOWLEDGE ) 3. XXXX XXXX  - ACCOUNT T-MOBILE ( NO KNOWLEDGE 4. XXXX  XXXX XXXX- ACCOUNT XXXX XXXX ( NO KNOWLEDGE ) THESE TWO COLLECTION COMPANIES ARE REPORTING THE SAME ONE ACCOUNT AND IT APPERAS THAT XXXXXXXX XXXX XXXX HAD THE ACCOUNT FIRST AND THEN SOLD IT TO ENHANCED RECOVERY. XXXXXXXX XXXX FELL TO STOP REPORTING THE ACCOUNT, NOW THERE IS TWO COLLECTION COMPANIES REPORTING THE SAME ACCOUNT. 
5. XXXX XXXX, XXXX -ACCOUNT AT & T  ( NO KNOWLEDGE ) 6. ENHANCED  RECOVERY  ( NO KNOWLEDGE )
Product: Credit reporting or other personal consumer reports

The following accounts are not mines and/or nor did I agree or given any written permission to have any creditor to report to any third persons or business any such accounts on my behalf via my credit consumer report. Therefore, I'm demanding the immediate removal of the following accounts, XXXX. XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a notarized affidavit to XXXXXXXX XXXX  by certified mail number XXXX and it was delivered on XX/XX/2023 ; XXXX  XXXX tracking number XXXX delivered XX/XX/2023 ; American Express tracking number XXXX delivered on XX/XX/2023 ; XXXX XXXX as well as XXXX informing them that I never provided consent allowing them to share my personal information and that is identify theft. I also provided the companies with a copy of the FTC report filed stating this information. The companies have failed to respond or even provide proof of my consent.
Product: Money transfer, virtual currency, or money service

I was making a private purchase and the seller recommended XXXX. After agreeing to pay half so he could ship the product and the other half after product receipt, I submitted payment for half totaling XXXX ( XXXX on XX/XX/2020 and XXXX on XX/XX/2020 ). 

After payment was received by the seller, I became aware that it was a potential scam and that I wanted my money back. I have not heard from the seller since. 

Bank said that they could not help, as I authorized the payments through XXXX.