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

This XXXX XXXXXXXX XXXX  Account Is Reporting inaccurately and incomplete information please update this or delete the account immediately.
Product: Debt collection

I received a notice about a debt that is not mine or ever heard about. Once I spoke with the representative XXXX he informed me that I had the debt from XXXX Its XXXX! I have included the document that Jefferson Capital Systems LLC sent to me..
Product: Checking or savings account

XXXX writing this letter because I am a victim of identity theft, for the past 2 years American Express has allowed several of my bank accounts to be compromised. An unauthorized debit in the amount of {$1900.00} from XXXX XXXX XXXX and in XXXX another {$3000.00} unauthorized debit from this same bank account. In XXXX American Express has allowed my XXXX XXXX Bank account to be compromised and again on XX/XX/XXXX, in the amount {$88.00}. Also, my XXXX Bank account has been compromised for {$38.00} and again {$89.00}. My XXXX XXXX XXXX XX/XX/XXXX account has been compromised by American Express. All of these accounts I have been charged overdraft fees. Throughout this process with American Express my credit has been sabotaged. Also, my credit card accounts have been sabotaged and my XXXX XXXX has dropped due to these unfortunate situations. This has caused some of my credit card companies to lower my credit availability and close credit card account.
Product: Debt collection

I dispute any debt your company claimed to have on me you must stop all collection activities do not call my telephone number ( XXXX ) if you were ever given permission to call this number ( XXXX ) I am revoking that now my demands are : for you to provide a XXXX XXXX. ( This is what I need included in that audit trail. ) Original signed Contract Account File Ledger All account Documents Transactional History please be sure to provide everything the mentioned in this letter. According to fair credit reporting act section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that you post on a credit report otherwise anyone paying for your reporting services could fax, mail, or email, in fraudulent accounts If you are unable to provide the demanded information you must immediately delete this account. If you fail to communicate to the consumer report and agencies that this debt is in disputed that would be a violation pursuant 15USC 1692E8 - false or misleading representation. The law is very clear as to the civil lability and the remedy available to me according to 15 USC 1692K. Furthermore failure to honor this request will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an update to my credit report. Under federal law you have 30 days to complete your re-investigation please be advised that the description of the procedure used to determine the accuracy of completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation I also attched a copy of my identytheft report Thanks for giving this letter your prompt attention.
Product: Debt collection

Initially I was mailed out a letter from Sunrise Credit Services Inc dated XXXX/XXXX/XXXX stating that I owed them for an account from XXXX for the amount of {$570.00}. In this letter there was no itemized statement to show what exactly I was being charged for. The balance is incorrect. XXXX/XXXX/XXXX I went and mailed out a debt validation letter requesting Sunrise to submit proof that I held a contract or legal obligation to repay this debt that they are accusing me of owing. I received nothing at all. Not a statement, no itemized detail of the balance or signature showing I had a contractual obligation to pay them. I am requesting to have this debt removed from all 3 of the primary credit bureau. They had more then 30 days to verify this debt was mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : CFPB Case # XXXX Dated : XX/XX/2018 You stated that you obtained my information from XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. Please provide me the method of verification as required under Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract. Therefore, in accordance with s.1629e ( 8 ) of the Fair Debt Collection Practices Act, That clearly states that any information know to be false, can not be reported to any credit bureau , In the event that you can not verify the item pursuant to the FCRA , and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Please send me a copy of my updated credit report as soon as the above has been completed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I was attempting to purchase a shed on line the only way to pay is through Affirm. I had to get pre-approval from Affirm and did so then I was returned to the website only to find that the item is not available any longer, so no sale... next day I received several Emails from Affirm offering a credit line, credit card and also a reminder of first payment due. I called to find out if they were not made aware that there was no sale. Since then I have conferred with them on their on line chat box and on phone at least 8 times not being able to contact anyone looking into the matter. I have been told there is no other phone or E mail to contact the safety or investigation div. I must wait for them to contact me by E mail with their Findings in 30 days from XX/XX/XXXX? which is the day that they say was their first contact with me.
Product: Checking or savings account

I deposited legitimate money orders into a chase ATM and chase bank closed my account and kept my money from the money orders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received marketing from " American Finance and Investment Co. Inc. '' saying that I had a a XX/XX/2022 Tax Penalty of {$1600.00}. 

This was incorrect, as the Taxes had been paid in full with no liens on the property address XXXX XXXX, XXXX TX XXXX, and ultimately false advertising.
Product: Debt collection

Received a voicemail from XXXX about a claim. Then they left my mother a voicemail as well. 

I called and spoke to XXXX XXXX 1 ) he never verified my address, social or date of birth, none of the 3 2 ) I told him he should not call my mothers cell phone, not sure where they got her number from 3 ) he wanted me to settle in full or pay {$600.00} in order to initiate a payment plan, I mentioned I can only do {$100.00} a month max 4 ) I mentioned I was unemployed, and he said to use my covid edd payment to pay my bill 5 ) then he said to ask my mother ( I dont even live with her ) 6 ) threatened he was going to tell attorneys that I dont want to pay 7 ) I asked for debt validation, and his response was that he wasnt a monkey that was going to mail me anything
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute an account and multiple hard inquiries listed on my credit report. After reviewing my credit report, I have identified an accounts that I believe to be inaccurate or unauthorized. 
I am providing the following details regarding the disputed account 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  Explanation of Dispute : I request that you investigate this matter and remove the disputed account and inquiries from my credit report promptly XXXX As per the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit bureau to ensure the accuracy and integrity of the information on my credit report. 
Please provide me with a written response within the legally mandated timeframe of 30 days. If you find that the inquiry is inaccurate or can not be verified, I request that you remove it from my credit report immediately. Additionally, please send me an updated copy of my credit report reflecting the changes made. 
I appreciate your attention to this matter and the timely resolution of my dispute. Please inform me of any further actions required from my side to facilitate the investigation process. You can contact me at- XXXX if you require any additional information. 
Thank you for your prompt assistance in resolving this dispute. I look forward to a satisfactory resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

OneMain Financial is repeatedly falsely verifying an unauthenticated and unauthorized inquiry on my credit files. I have not received a firm offer of credit for OneMain Financial to be listed as a hard inquiry on my credit files nor did they have a permissible purpose. I have opted out of prescreened offers of credit from lenders who use the credit bureaus years ago. 

The illegal unauthorized inquiry was performed in XXXX of 2018. 

In the event OneMain Financial has documents or verifies that this inquiry is accurate, I demand that they verify via Sworn Notarized Affidavits so I can know the person who handled my dispute and to state THAT THE ALLEGED INQUIRY IS IN FACT COMPLIANT AND IS NOT SUBTERFUGE. I want to see the signed authorization form that they used to perform this inquiry. Otherwise, I demand that OneMain Financial remove this inquiry off my credit files. Otherwise, any verification from OneMain Financial will be deemed hearsay and will be admitting that OneMain Financial is intentionally, maliciously and recklessly reporting an illegal, unauthorized and unauthenticated inquiry on my credit files.
Product: Credit card or prepaid card

A few years ago. I signed up for a XXXX credit card with Synchrony Bank that promised 1-3 % cash back. 

XX/XX/XXXX I was notified that my account would be closed on XX/XX/XXXX. The email stated that I could continue to use the card through XX/XX/XXXX. In the email it said " Outstanding cashback on purchases will be paid via a statement credit within two billing cycles. '' So, when I get my final bill ( available online at the end of XXXX ), I noticed, that, unlike all of the other bills I have ever received, this bill didn't have a statement credit. 

So on XXXX XXXX I contacted customer service. And the first person I spoke with said : " For the cash back, it should be updated and reflected at the end of the billing cycle date and that will be on XX/XX/XXXX. '' But when I tried to dig in and get details, the representative got disconnected from the online chat. So eventually I was able to speak to someone else to get details, and they said " The closure of all accounts forfeited the rewards. '' and later " However, the statement closing date shows XX/XX/XXXX which happens to also be the closure of all accounts. '' So I did not get the 1-3 % cash back on the ~ {$2000.00} that I spent on the card that month.
Product: Credit reporting or other personal consumer reports

I REVIEWED MY EXPERIAN CREDIT REPORT ON XX/XX/XXXX, AND THERE WERE SEVERAL FRAUD INQUIRES ON MY REPORT. THE INQUIRES ARE BUT NOT LIMITED TO AFFINITY FCU XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX 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 XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefor, I demand validation and verification of the alleged debt. 
Unauthorized Accounts include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

this item was ordered by mistake due to the current promotion of that credit card company, with their rep that sent me to the wrong place to order their promo, it was cancelled immediately, the company still shipped the item when they were notified that this was not the correct item ordered and was refused, it was shipped anyways while I was out of state for three weeks and XXXX returned it to the company. I was credit for it but this very bad company shipped it again after I had moved from that location to another part of the state and never received it or knew about it till I saw it on my statement. After 6 or more months I was recharged on my credit card for this unwanted item, the credit card company charged me for that item I never received and when I notified them of this they removed the charge, during my going back in forth with this credit card company proving the proof that it was never received, it kept getting put back on my statement then I closed that account.. I had moved out of that part of the state I once again was recharge my credit card charged again I submitted proof of address change and that they did not have permission to and ship to any address where I did not reside the items were never used and when I inquired to XXXX I was informed that it was refused by the landlord and returned. 
I have gone round and round with the credit card company and with this less than honest company with no luck and now I have this person calling two or three times a day even when I told him it was not my debt, he uses his company phone his, personal and friends phones to harass me. I have retained all emails to and from the credit card company and the this corrupt company. there is also proof on american express 's internal site/emails on the credit card company s site showing they dismissed the debt
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Capital One Auto Finance company openedXX/XX/2014 continues to inaccurately report this account to the credit bureaus under my name. I have sent several certifies letter asking for removal with no corrections noted, as stated in my certified letter this account is being listed and reported as a duplicate as it is already a part of my public record and has been legally discharged and the company has agreed to remove, please refrain from continuing to report this accoun
Product: Checking or savings account

I had numerous unauthorized charges to my debit card. As soon as I learned of these charges ( received bank statement in the mail ), I reported my card missing or stolen and the next day ( XX/XX/XXXX ) went to the Regions Bank in XXXX, Missouri. XXXX XXXX XXXX XXXX took all my information, completed the required paperwork, assigned case # XXXX, took my debit card and destroyed it. XXXX XXXX told me not to worry and that I should start to get my money put back into my account within 3-5 business days. On XX/XX/XXXX, I received a letter from Regions Bank stating that based on their investigation, they were not giving me credit for any of the unauthorized charges. 

I do not believe that Regions Bank did any investigation because if they had done an investigation, they would have learned, as I did, that the person who made these unauthorized charges was a female named XXXX XXXX, previous address unknown. XXXX is a known XXXX addict in the XXXX XXXX area, and used my account number written on a piece of paper to make the charges. 
On XX/XX/XXXX, XXXX was arrested and sent to the Missouri Department of Corrections in XXXX Missouri. for unrelated charges. I did not give this lady my debit card information, did not know where she lived, did not benefit from any of the items she illegally received, did not make any of the purchases, did not know of the purchases until I received my bank statement, and do not know anything more about these transactions. I am not at fault! 

Another problem with Regions Bank is when XXXX made these transactions, it threw my account into over draft protection which I have a {$500.00} limit. Instead of stopping all transactions at the {$500.00} point, Regions allowed transactions to continue which resulted in over {$800.00} in over draft charges. Regions should have stopped the transactions at the {$500.00} point.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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
Product: Student loan

By XXXX XXXX, 2016, I wanted to pay my student loan in full. I went on the loan company 's website and logged into my account to establish my payoff amount and find a date when I could get a cashier 's check to mail to the loan company. I called the company and talked with a customer service representative. I discussed with the representative about sending the check overnight an the rep. said I could send the check through the mail and the company would date the payoff to the postmarked date. She gave me an address for where paid-in-full payments are received. It was American Education Services Paid In Full, XXXX XXXX XXXX, XXXX, PA XXXX. The payoff amount on XXXX XXXX, 2016 was {$18000.00}. I purchased a cashier 's check on XXXX XXXX, 2016 in the amount of {$18000.00} and mailed the check on XXXX XXXX, 2016, to the above address certified mail with a return receipt requested.The company did not use the postmark date but used the arrival date instead. The company applied the check to the loan but the did not use the postmark as the date for the payoff amount of the loans. The loan company says I have a {$14.00} balance on my loan. I emailed AES to resolve this discrepancy on the payoff date. In the past, although I had tried to get my name corrected on this loan, AES refused to change it. ( They read my handwritten name incorrectly. ) I continued to make the payments on the bills with the incorrect name. This loan has not shown on my credit reports.
Product: Credit reporting or other personal consumer reports

I found that it is authorized hard inquiries on my Transunion credit report that I did not authorize. 

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: Mortgage

My mortgage company New Day USA is reporting my mortgage payments incorrectly. I sent them all My bank statements and letters from my banks to show proof of payment and they are not complying. Ive spoken to my financial institutions and New Day representative countless times on the matter. Their system is flawed. One month they told me I owed on a particular month then the next month the payments were cleared.
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, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency CAN NOT furnish 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 s-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.