23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

VALIDATION AND CEASE AND DESISTS Collection agency name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Account number : XXXX Your NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AL XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, we we reached out to about available XXXX XXXX tickets from XXXX ( the id of the account ) on XXXX. This user informed us that she had tickets available that she would not be able to use and just wanted to get what she paid. We paid {$900.00} for the tickets as indicated in the transfer request. I am including a copy of the transfer request as documentation. 
Here are the key details from the Transfer request in clear text : To : XXXX XXXX at XXXX From : Interest Checking - XXXX Sent : Thursday, XX/XX/XXXX Deposited : Thursday, XX/XX/XXXX Speed : Within minutes Reason : 3 XXXX XXXX XXXX Payment ID : XXXX After the payment went through XXXX  asked for a screenshot of the transaction which we sent to her. Further XXXX  noted that her partner would verify that he received the payment and she would transfer the 3 tickets to my XXXX account. XXXX then said her partner was working and would let us know when off. Later that night we were informed her partner was working a double shift and she would get it all sorted out in the morning. XXXX continued delay tactics and we sent a request for a refund of the {$900.00} which remains un-fulfilled. 
Ally portion : On XX/XX/XXXX around XXXX XXXX XXXX contacted Ally bank and raised a dispute for this fraudulent {$900.00} charge. XXXX asked for a provisional credit while the dispute was in process and was informed that any provisional amount would only be credited after investigation. The investigation id at Ally  is XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that experian credit reporting agency , block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint.
Product: Checking or savings account

Litigation is now over and settled. Seeking all bank statements since the account opened in 2013.
Product: Credit reporting

I have paid different accounts and Transunion has it paid off and XXXX does n't! I have a credit score that is XXXX pts different from one credit company to another! I have collection items that were paid on one credit report and open on others. I have late payments on Trasunion and there on none in XXXX.
Product: Credit card or prepaid card

Received an e-mail offering  XXXX  bonus points after spending {$500.00} wi thin three m onths.   I spent more than {$500.00} and the bank awarded my just  XXXX  points.   When I inquired, was told that offer expired the end of  XXXX ,  2017 .   Yet everyday, I receive the same e-mail offer from the bank when I log onto my account.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I have discovered a fraudulent account on my credit report, this fraudulent account is XXXX XXXX XXXX opened on XX/XX/XXXX with account number XXXX, and fraudulent hard inquiries these fraudulent hard inquiries are XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX, please remove them from my credit report, as they are fraudulent.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments Reported for XXXX XXXX XXXX Account To Whom It May Concern : I am submitting this formal dispute regarding inaccurate late payments reported on my XXXX XXXX XXXXXXXX account. This complaint specifically pertains to the credit file maintained by TransUnion, XXXX, and XXXX. I have identified significant discrepancies and errors in the reporting of late payments, which misrepresent my payment history and violate federal laws designed to protect consumers. 
Nature of the Complaint : Inaccurate Late Payments : XXXX : Reports a 30-day late payment for XX/XX/XXXX. 
XXXX and TransUnion : Report a 30-day late payment for XX/XX/XXXX. 
I assert that these late payments are incorrect. I have consistently made my payments on time, as confirmed by my autopay enrollment for this account. 
Discrepancies in Account Information : High Balance : Reported as {$2500.00} by TransUnion and XXXX, but {$0.00} by XXXX. 
Payment Amount : {$64.00} ( TransUnion and XXXX ), {$100.00} ( XXXX ). 
Last Verified Date : TransUnion : XX/XX/XXXX ; XXXX : Not reported ; XXXX : XX/XX/XXXX. 
Date of Last Activity : TransUnion : XX/XX/XXXX ; XXXX : XX/XX/XXXX ; XXXX : XX/XX/XXXX. 
Date Reported : TransUnion : XX/XX/XXXX ; XXXX : XX/XX/XXXX ; XXXX : XX/XX/XXXX. 
These discrepancies highlight the lack of consistency and accuracy in the reporting of this account across the bureaus. 
Violations of Federal Law : Fair Credit Reporting Act ( FCRA ) : 15 USC 1681i : Mandates that credit reporting agencies investigate disputes and correct inaccurate or incomplete information.

15 USC 1681s-2 : Obligates furnishers of information to provide accurate data to credit reporting agencies.

15 USC 1681n and 1681o : Establish liability for willful and negligent noncompliance with FCRA requirements.

Truth in Lending Act ( TILA ) : Ensures that all credit information reported is accurate and truthful. 
Fair Debt Collection Practices Act ( FDCPA ) : Prohibits the reporting of false or misleading information regarding a consumers debt. 
Requested Resolution : I request the following actions be taken : Conduct a comprehensive investigation into this matter. 
Remove the inaccurate late payments reported for XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( TransUnion and XXXX ). 
Correct all discrepancies in account details, ensuring uniform and accurate reporting across all credit bureaus. 
I expect written confirmation of these corrections within 30 days from the date of this complaint. Failure to resolve these inaccuracies may compel me to take further legal action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. Please contact me directly if further clarification is required. 
Sincerely, XXXX XXXX
Product: Debt collection

At the time of this I went to school at XXXX University and XXXX Ohio and during this time I was joining the XXXX my professor call me out in front of the class because my hair was XXXX and remove me from the class and told me never to show my face at the school again I was harassed and humiliated and the dean would not help me at all therefore I want to fight against this Federal Loan
Product: Credit card or prepaid card

Credit card account has opened up in my name and it was not by me
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact these companies to ask why my credit was ran and that my identity was compromised and that i have a ID SECURITY ALERT on my ssn .... and ask them to remove them ... .see below... and no one responded at all XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. It was previously removed because it could not be verified per FCRA. It is now back in full violation of the FCRA ... 

PUBLIC FILINGS XXXX-XX/XX/16 BK IND. CH-XXXX DISCHG inaccurate
Product: Money transfer, virtual currency, or money service

I was admitted into XXXX. XXXX XXXX, locked psych ward on XX/XX/2022 and discharged XX/XX/2022. My cell phone and bag with wallet were left at my house, they're prohibited on unit. When I returned home on XX/XX/XXXX, I discovered all my personal info compromised. My cash app debit card was taken with other cards and my phone had been used to aid in stealing my money. 
I immediately contacted cash app to notify them of fraud and limit my losses. Through the app chat service they explained dispute process which I followed. In total there were 16 fraudulent charges using my cash app card during my hospital stay, totalling {$790.00}. They only credited five transactions for {$250.00} total, owing me {$530.00}. Cash App has since closed my account using a ficticious made up transaction to justify it, saying I've went against their " Terms of Service ''. I've requested the documents used in investigation several times and can't get them.
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 {$0.00}, {$30000.00}, {$560.00}, {$7100.00}, {$0.00}. 
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. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit card

I, XXXX XXXX, DID NOT AUTHORIZE WYNDHAM TO CHARGE {$22000.00} to this account, and I have asked Barclay 's to charge it back to Wyndham as fraud. I have asked Barclays to show me my signature authorizing this transaction and they have failed to do so. Their failure to provide me with the information I have requested has prompted me to also contact the CFPB with my concerns.

I am the victim here, not Wyndham. It is quite evident that Barclays receives a lot of business from Wyndham, so of course they are loyal to their money. But are they loyal enough to continue to protect them, when they are committing a felony by the fraudulent use of a credit card.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX  EXPERIAN XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Checking or savings account

While I was on a 2 week XXXX my rental car was broken into and my personal bag containing my wallet, keys, etc. was stolen out so I called the police and and a police report was done. When I returned back to XXXX, Texas I worked with the GM of chase Bank near me and we have both faxed documents that the fraud department asked for and we received confirmation that they got those said documents and when we call for an update they have told us both that they don't have the documents and this is even after we both have sent the documents multiple times. Now they are still denying the claim stating that the documents that they asked us to send them is still not sufficient enough proof and to send any other documents I may have. It doesn't make sense to me how it's not sufficient enough proof when I have provided the axact paperwork that they have asked for.. They credit my account then took everything back and the GM is telling me that he has done everything in his power because we have spoken with supervisors and everything and had each document described to them to make sure it's what they needed and we faxed it and they told us the credit would be back in my account in less than 10 days and they keep denying the claims saying that each transaction was authorized and there are no errors.
Product: Credit card

On XX/XX/XXXX as I was shopping, a customer service agent asked me if I would like to apply for a store credit card. I informed her no due to a hard inquiry would come on my account, and the customer service agent still went through and processed the store credit card without my knowledge. They asked for my ID to match the card I was using, but they were filling out the store credit card application, which I did not approve of.
Product: Mortgage

I exited forbearance XX/XX/2021. Shellpoint has made multiple errors and incorrectly reported my account as delinquent. This compliant is regarding a foreclosure notice sent while under the CARE ac protection and requesting payment in a high pressure manner outside of agreed upon repayment terms agreed by phone and writing. The threat of foreclosure during a moratorium is a breech of federal guidelines. Below is timeline of conversations and contact between myself and Shellpoint and a copy of the foreclosure notice. The foreclosure notice during a phone conversation was defined by Shellpoint as the Trial modification payment approval document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received serval responses to the disputes Ive made under FCRA 611 ( a ) regarding the information on my credit report ( an alleged Bankruptcy chapter XXXX account unverified information ). I was furious to learn that they obtained unverified information from LexisNexis and elected to leave the disputed item on my credit report as accurate. I was very interested to know how their investigator ( s ) arrived at this erroneous conclusion that the information the company XXXX LexisNexis XXXX reported to the credit bureau is accurate. I requested a complete list of all documents and correspondence between them and LexisNexis, verifying the disputed information. I specified that they included all names and contact information of employees that they spoke to as part of the investigations. LexisNexis is not listed on my credit report as a creditor and I have no affiliation with them. The US Bankruptcy Court of NC XXXX is the creditor listed for reporting the alleged Bankruptcy chapter XXXX account unverified information. But the credit bureaus said they verified the information with LexisNexis and not with the US Bankruptcy Court of NC XXXX so there is no valid basis for claiming the alleged Bankruptcy chapter XXXX account information on my credit report is true. 

Due to my frustration, I reached out to the court listed on my credit report US Bankruptcy Court NC XXXX, to dispute the alleged Bankruptcy chapter XXXX information reporting and was advised that they have no affiliation or communication with any credit bureaus relating to bankruptcies. My repeated disputes were they said the verify the accuracy of the information being reported was a lie and they ignored all my requests, which is another violation of Federal Law and evidence so they willfully disregard the law. I advised them that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. and I request that they do this immediately.
Product: Debt collection

On XXXX XXXX I received a collection notice from Credit Control LLC in regards to a collection account in the amount of {$510.00} and while I have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XX/XX/XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been overXX/XX/XXXXdays, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries I did not authorize : XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX/ XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  Calls were made to credit bureaus and customer service would not address incorrect information Unverified accounts : XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$420.00}
Product: Debt collection

on XX/XX/XXXX Direct Recovery Services called my sister and left a very detailed message concerning an account pertaining to me. They gave her my name the amount of the debt owed and the options I have to settle the matter. This was right after they called me and left the same message @ XXXX, they called her number shortly after. They provided my account number as well as my zip code. This is concerning simply because that number could have been changed and belonged to anybody. But their system is designed to call and leave a very detailed message about clients. This is unacceptable and very intrusive to my problems.
Product: Debt collection

I switched service providers from XXXX to XXXX due to coverage issues. I went to the retail store and turned in equipment and paid the account balances to {$0.00} on XX/XX/2018. I received a new bill in early XX/XX/XXXX for {$140.00} ( another month of service. ) I called and disputed this immediately, and the agent on the phone agreed to remove the debt. 

In XX/XX/XXXX I noticed in the mail another letter from XXXX saying I still have a debt, again I called and they said they have no record of the previous call, and that they will open up a dispute of the debt. A few weeks later I start getting calls from a debt collection agency ERC and then eventually a letter from one saying XXXX sold them my debt. 

I verbally disputed the debt, and said I will only deal with XXXX. I called t-mobile again and they again, said they will open up a dispute. 

XXXX nor the debt collector does not have a detail record of the billing period that they are claiming I was charged for, but I left their service in late XX/XX/XXXX and paid the balance owed by XX/XX/XXXX. 

The debt collector reported this on my credit report even though it is still being disputed. I had a high XXXX score, this one thing knocked it down to XXXX and is preventing me from some lending. I've attempted to pay or negotiate the debt with both XXXX or the collector but admit no wrongdoing just to make it all go away, but the collector will not remove this from my credit. The fact that they sold a debt to collector that is being openly and honestly disputed, and then do not provide me with adequate billing information, then on top of that destroy my consumer credit is an unfair and unjust process.