23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Bank of America XXXX XXXX XXXX XXXX XXXX, DE XXXX Re : Debt Validation Request Account Number XXXX Dear Bank of America Collections Department , I am writing to formally request validation of an alleged debt associated with the account referenced above, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ). I received a notice claiming that I owe a debt to Bank of America, and I am exercising my right to verify this debts legitimacy.

Please provide all of the following documentation to validate this debt : 1. Verification of the amount of debt : An itemized statement explaining the full amount owed, including any accrued interest, fees, or charges.

2. Proof of ownership : Documentation showing that Bank of America has the legal right to collect on this debt.

3. Original agreement or contract : A copy of the signed agreement or original contract with my signature evidencing that I agreed to the debt in question.

4. Payment history : Detailed records of any payments applied to this account, showing how the balance was calculated.

Until I receive this documentation, I respectfully request that all collection activities, including credit reporting, cease. Please send all requested information to my address listed above.

Thank you for your prompt attention to this matter. I look forward to receiving your response within 30 days. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires on my credit that was due to fraudulent information and have sent if over 30 letters to XXXX and have not gotten any response.
Product: Credit reporting or other personal consumer reports

I requested to the credit bureau on XX/XX/XXXX that the information that they are sharing concerning a bankrupt incorrect and also they did not have my permission to share my information nor did they have permission form the courts. I also wrote to the courts asking if they shared my information concerning a bankruptcy to the credit bureaus they stated that they do not share any information with any third party credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Consumer that is protected by the laws of the FDCPA, and attached you will find servers Violations from the following Credit Agency and I would like to resolve these issues. VIOLATIONS from XXXX, TRANSUNION & XXXX see attached ;
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), it is imperative to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. XXXX and Experian, being consumer reporting agencies, interact with me as the consumer. I possess the right to safeguard my private information, as reinforced by 15 USC 6801, which dictates that financial institutions have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information. XXXX XXXX XXXX falls under the definition of a financial institution in compliance with this policy. Under 15 USC 1681, Section 604a, Subsection 2, it is stated that a consumer reporting agency may furnish a consumer report only upon the written instructions of the relevant consumer. Both XXXX XXXX XXXX and the consumer reporting agencies, XXXX and Experian, do not possess my consent to disclose this information, nor do they possess my written consent. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise a nondisclosure option. XXXX XXXX XXXX never informed me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is being reported as adverse without my permission, which is in violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the furnishing of inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of Section 1681c and restrict the furnishing of consumer reports to specified purposes. XXXX and Experian appear to be failing to maintain reasonable procedures. Moreover, 12 CFR 1016.7 affirms my right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services
Product: Credit reporting or other personal consumer reports

On XXXX XXXX a collection that had already been removed from my credit reports have appeared again with the same company. The Name of the collection agency is called XXXX XXXX With an account # XXXX I have never dealt with this company before and have no idea what it is for. However it appeared last year and was removed last year. Today it re appeared on all three of my credit reports from Experian, XXXX and XXXX. I am requesting this account be removed from my credit report as soon as possible. Thank you
Product: Credit reporting 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. 

Account Name : SXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report.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 XXXXXX/XX/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 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: Checking or savings account

on or about being of XX/XX/year>, my debit card was hacked for XXXX Wells Fargo, from a store in XXXX XXXX, for skin care, I NEVER USE my debit card to buy, only deposit -at first Wells Fargo put the {$290.00} money back into my acc, only to get a letter from Wells Fargo Fraud dept saying " They found no evidence of fraud that it was an online purchase approve, '' MEANING I did it, WITH OUT a paper trail as to how they found me Quilty of said fraud.I am XXXX XXXX XXXX, XXXX XXXX XXXX XXXX live ONLY ON SS. {$290.00} is a lot for me, however more so, I believe it was an inside job Wells Fargo, either way IT WAS NOT ME who purchased {$290.00} in XXXX XXXX, Hacking is in itself describes fraud-I am being used as a scapegoat Thank You
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( was during the time of covid SCAM ) {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE CHARGED OFF ACCOUNTS OFF MY CREDIT REPORT ACCORDING TO 15 US CODE 1601 LATE PAYMENTS 15 US CODE 1666B COLLECTIONS 15 US CODE 1692C
Product: Student loan

My loans got sold to Navient from XXXX XXXX a few years ago. Dealing with Navient is very unpleasant. I have been trying to lower my monthly payment plan with Navient Solutions for well over 2 years now and as of today I am delinquent because Navient refuses to help. 
I have gotten wrong information from various representatives from this company. They provide wrong information so you are stuck paying the monthly rate they want you to pay. I never get anything emailed to my for confirmation even after they say it has been emailed. I get told paperwork needs to be done online and then I get told that no, paperwork needs to be mailed. This has been happening for a whole year. 

They put representatives on the line and threaten to sue those with language barriers if they dont collect the full amount the day they call. XXXX ( Employee ID : XXXX ) is the one making the threats against my mother. 

I immediately called that day to speak to a supervisor ( XXXX ) central standard time and I was told he was on a dinner break and will return my call. As of today, said supervisor is yet to call me. 

All I want is to lower my monthly payment so I can make this debt go away. I want them to investigate thoroughly how my account has been handled since XXXX XXXX sold it. 

The wrong information that was provided by various representatives from Navient Solutions has caused my interest rate to triple and my principal balance to double.
Product: Credit card or prepaid card

I contacted PENFED credit union by sending them a cease and desist letter, I currently am only receiving SSI and can not afford to pay them back. I am being Harassed by this company as they call me everyday twice a day. This is causing me a lot of stress and anxiety. I can not pay them back and my case work informed me that my income is also garnish proof. I am reseeding a cease and desist letter today.
Product: Prepaid card

Wisely by ADP issues a prepaid XXXX for employees to use after depositing their payroll checks into a checking account issued by XXXX, XXXX. This bank is FDIC insured. Wisely by ADP rejected a deposit of {$10000.00} because it exceeded their deposit limit. When I spoke to ADP, I was told they were unaware of such a limitation. Even some members of Wisely did not know there is a limit. Rejecting the deposit caused my mortgage payment to be returned as XXXX. This has caused me hours of stress, loss of productive work time, and damaged my banking relationship. Wisely by ADP has a responsibility to disclose this information or provide a systems check by ADP to avoid this oversight. They are using the ADP brand to promote their card usage for fees and sidestepping their fiduciary responsibility to the depositor. I urge them to change their policies and disclosures or be forced to give up their support of the country 's largest payroll provider.
Product: Debt collection

I received a call from XXXX claiming they were from Experian. They asked for me only by XXXX XXXX and did n't know my full name. They stated that I was past due for two dollar amounts, I believe one was for XXXX ( which is possible, I did n't stay on with her long enough to get more information ) She said that she would be happy to take payment for these two past due amounts using my bank account or credit card information. I then stated that I had already contacted them and hung up. I tried to call back and there was no identification of the company on the recording.
Product: Checking or savings account

I haven't worked in over a month. It's been in the negative for about two to three weeks. I've had a couple automatic withdrawls set up for a while. But Wells Fargo keeps paying them even tho my account has been in the negative for a while. AND charging me overdraft fees on top of that. Now because of these, my account is sitting at {$260.00} in the negative. I would expect that if you don't have any money in the bank, the bank wouldn't allow anything to be charged to my account.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. XXXX XXXX XXXX  XXXX Balance : {$86000.00}
Product: Credit card or prepaid card

Hello - I applied for the American Express XXXX XXXX XXXX on XX/XX/XXXX. At the time, I was in the process of purchasing a XXXX flight on the XXXX website when the offer for a {$200.00} credit + XXXX miles promotional welcome bonus appeared on the check out screen contingent on an approved application for the XXXX AmEx card. 

I fly XXXX frequently and have a few trips coming up where this could be useful so I decided to apply and was approved immediately. The terms and conditions during my application process ( attached ) indicated this offer was " not available to applicants who have or have had this or previous versions of this card ''. As this was my first time having or even applying for any version of the XXXX AmEx card, I had no reason to believe this offer did not apply to me, nor was I told at any point during the application process. I have one AmEx card which I opened in XXXX. It is the AmEx 'Everyday ' card, which is completely unrelated to the XXXX XXXX of AmEx cards. The terms and conditions specified the offer was only contingent on not having any current or previous versions of the XXXX card. 

After receiving my card, in order to get the bonus, I had to spend {$2000.00} and make a XXXX purchase with it. Both of which I have since done within the 3 month timeframe specified. When I did not see the miles or credit appear on my account, I decided to contact AmEx. I initially called in and the representative told me there was no clear reason I was denied the welcome bonus and opened a case for me ( XXXX ). After which, I contacted the chat support function and after a lot of back and forth ( screenshots attached ), the rep informed me that I was denied the bonus because my AmEx XXXX ' card from XXXX had an APR offer and my general history and number of cards with AmEx? However, this was only my second AmEx card ever, and I've never done a balance transfer nor have I ever been late on a payment. 

No where in the advertised promo offer did it indicate an unrelated credit card I have from 5 years ago would disqualify me from receiving this bonus, nor was I ever outright told. I had to seek out AmEx in order for them to inform me of this. 

I applied for this card, had my credit pulled and spent $ XXXX on this card in the belief that I would be receiving the welcome offer which initially led me to apply. I believe this is a case of bait and switch, where I was arbitrarily and wrongfully denied what was initially promised.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX RE : Social Security Number : XXXX PERSONAL INFORMATION UPDATE REQUEST To Whom It May Concern : I recently obtained a copy of my consumer report and noticed that you are reporting inaccurate information in my personal information section. To diminish speculation my information is as follows : My Full Legal Name : XXXX XXXX XXXX Please DELETE all other references to names as they are not mine and I have never used any of them. 

Please be sure that my address is listed correctly. 

My Address : XXXX XXXX XXXX XXXX, NJ XXXX Please DELETE addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 

My only Phone number is : ( XXXX ) XXXX, DELETE any and all other phone numbers. 

I DEMAND my social security number and date of birth be removed from being displayed on the consumer file for privacy reasons. 

DELETE all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated consumer report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, NJ XXXX XXXX, BY : XXXX, XXXX XXXXAgent FOR : XXXX XXXX XXXXPrincipal WITHOUT RECOURSE Enclosed : copy of State ID and Insurance bill showing proof of address
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 : # XXXXXXXX XXXXXXXX : # 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 

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 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 or other personal consumer reports

I am a victim of identity theft. My information was used to obtain a loan from XXXX XXXX XXXX XXXX XXXX XXXX ) in the amount of {$25000.00}. XXXX has cleared me of this debt and reported to the XXXX credit bureaus that it is NOT my debt however Transunion refuses to remove it from my credit report even though I sent in a request to remove it and I called to report it as identity theft ( along with all pertinent documents to prove it ). 7 months after being cleared of thisTransunion is STILL reporting this as a delinquent debt in my name. It is making me lose credit lines. I have lost over {$15000.00} in credit lines.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am writing in reference to the account with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, which you claim I owe. Pursuant to 15 U.S.C. 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you cease all communication with me regarding this debt. 

This request includes, but is not limited to, communication by phone, email, or mail at my home, workplace, or any other location. Please note that this request is made in accordance with my rights under federal law. 

Additionally, I request that you not contact any third parties in relation to this matter unless permitted by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed all 3 credit Bureaus via postal service on account with XXXX XXXX account number XXXX asking for verification not validation of this debt because of its inaccuracies. It is my complete understanding that a debt placed on my personal credit report should be 100 percent accurate and verifiable at all time and must match. All 3 responded as the debt had been verified. I then sent another dispute to the credit bureus via certified mail on XX/XX/XXXX and the same response was given the debt was verified. I contacted the XXXX XXXX for documents and I havent received a response to date. I then filed a complaint with you all please see complaints # XXXX XXXX TRANSUNION-XXXX Most I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on this tradeline, and the results came back either verified or updated ''. There are several inaccuracies across all three credit reporting agencies. I have attached copies of the reports that they are each reporting. i would like justification on what method of verification they used and why they are allowing these inaccurrates to continue to hinder my life. I am filing with the attorney general on XX/XX/XXXX and preparing for a lawsuit. As i have a solid paper trail of these discretions. 

*open dates are all conflicting *XXXX  is even claiming a payment of XXXX was made? How is that when its a charged off account. Which makes them all have incorrect balances? 
*Charge off accounts are acknowledgement that the debt is uncollectable and lets the IRS give a tax credit. So the balance would be XXXX. Each report is reporting a balance whether wrong or not. 
*HOW CAN A CHARGED OFF ACCOUNT THAT SHOULD BE REPORTING XXXX SHOW A PAST DUE BALANCE AND A BALANCE AMOUNT? 
That is clear vioation of myrigthts as of the consumber law 623. which states that Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation.

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

XXXX v XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. 


DELETE THIS UNVERIFIED ACCOUNT