23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am asking XXXX for validation of debt for a collection they say I owe for an apartment complex. I have sent them 3 letters asking for validation. The XXXX letter said their client verified the name and address listed on the account was correct. I did n't ask for that, I asked for legal validation. In the XXXX letter I received, they sent a statement with my name but not my signature from a lease agreement, nothing showing my DOB or SSN. It had an apartment complex manager 's signature, not mine. That is not valid proof. The third letter flat out refused to send me anything stating they already sent proof which they did not. The XXXX major credit reporting agencies keep sending me reports back saying they verified the account and belongs to me. I requested in my last correspondence with them what their method of verification was on this account when I am not getting any legal verification.
Product: Credit card or prepaid card

Hello, I am writing this to dispute a charge of {$270.00} made on XX/XX/XXXX by vendor, XXXX. I purchased a website subscription from this vendor XXXX for the amount of {$190.00} and they overcharged me by {$84.00}. 

On XX/XX/XXXX I opened a dispute for the amount of {$84.00} ( over bill ) this with my bank, Chase. The vendor, XXXX, asked me to cancel the dispute so they can resolve this issue themselves. I called Chase to resolve the dispute on XX/XX/XXXX and they processed a rebill and closed the dispute. 

Upon receipt of the dispute resolution, XXXX cancelled my subscription on XX/XX/XXXX entirely and are refusing to refund me for original payment amount, {$270.00}. 

On XX/XX/XXXX, I requested my bank, Chase to reopen the dispute for the full transaction amount of {$270.00} and provided a letter of dispute with supporting documents. On XX/XX/XXXX, I called Chase to check on status and they claim that the dispute is closed. 

Now I have no service and no money.
Product: Mortgage

Nationstar Mortgage has not filed a release on a mortgage. I have tried to call several times to be told it is done ( county has confirmed it has not been done ), I have been hung up on and refused to be transferred to a manager. The loan was paid off in XXXX and is now out of compliance with the release guidelines.
Product: Credit card

XXXX XXXX account shows closed with balance of {$150.00} on my credit reports. I have made payment to XXXX XXXX XXXX. on behalf of XXXX XXXX in the amount of {$150.00},, Reference # XXXX, but has not resolved the issues as of XXXX
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 XXXX XXXXXXXX, Upstart : # XXXX, Upstart : # XXXX, Upgrade : # XXXX, XXXX XXXX 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. 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

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance Owed : {$370.00}, XXXX XXXX Original Creditor : XXXX  XXXX  XXXX  OF ) XXXX Balance Owed : {$890.00}, XXXX ( Original Creditor : XXXX  XXXX  XXXX  OF ) XXXX Balance Owed : {$230.00} XXXX ( Original Creditor : XXXX  XXXX  XXXX  OF ) XXXX Balance Owed : {$370.00} ; XXXX ( Original Creditor XXXX XXXX  XXXX  XXXX  OF ) XXXX Balance Owed : {$160.00} ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$79.00} ; Medical  XXXX Balance Owed : {$240.00} ; Medical  XXXX Balance Owed : {$220.00} ; XXXX  XXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX/XXXX  XXXX  Inquiry Date XX/XX/XXXX XXXX RESIDENT VERIFY Inquiry date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; showing on my credit report XXXX I therefore request that you immediately remove this items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX I approached the USBank Corp. with the intention of accessing my home equity and taking advantage of the special home equity loan rate promotion by USBank. I initially attempted to use the equity from a property in NC but the loan representation explained that rental property can not be used for home equity loans. We proceeded to establish the loan application using my primary residence in MD for the equity loan. We briefly discussed both properties and my mortgage history with them. The NC mortgage was 24 years along with no missed payments and the MD mortgage was 12 years along with no missed payments. I was fairly confident that I would get approved for the loan taking into account my most recent credit check and loan in XXXX. The loan process in XXXX was an auto loan and the approved rate was 2.9 % and the credit report/score at that time placed me in the top 5 %. With no derogatory actions in my credit report only unsecured debt, I was confident that USBank would approve my loan application. It was to my surprise that I was denied the equity loan and the loan agent forwarded the document that summarized the application rejection which had my credit score in the neighborhood of XXXX. I'm not sure what took place since XXXX but XXXX is low even for a new XXXX XXXX  just starting out.
Product: Student loan

My Navient loans with co-signers are current. But they are getting calls at home and at work plus letter saying they must make a payment. I have n't been than 20 days late in  over two  years. I have n't been behind enough to warrant aggressive collections. I am worried that  XXXX   XXXX  is okay'ig aggressive collections efforts.
Product: Debt collection

I received an alert on my credit report about an alleged debt with a company that I have never had any interaction, contact, or transaction with. The collection agency is Amerassist Ar Solution. Reported on XX/XX/2020 Original lender is listed as : 01 XXXX XXXX XXXX XXXX No other information is listed. 
I was never contacted, and never received any information regarding any debt, and I do not recognize the original lender and I do not have any affiliation with that entity.
Product: Credit reporting or other personal consumer reports

I have been in the process of purchasing a vehicle and because I know how inquires can affect my score, I was very clear on who can pull my credit. I have been a realtor for 11 years and 11 months, so I know the importance of credit. I contacted XXXX and they REFUSED to investigate. 
If you are going to take the time out to place these on my report, credit bureaus, you should be obligated to investigate them. I was told there would be NO investigation, but they will remove them in 2 years. That is NOT acceptable to me. 
The ONLY companies I approved to pull my report were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
There needs to be a law to better control these credit bureaus. These are people lives we are talking about.
Product: Debt collection

Re : Account number XXXX Dear collection agent, I took a look at my credit report and saw a collection from you reporting on my credit. I am unaware of this debt and why it's even on my credit report. So therefore as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware based on what you are reporting that there is a debt from ( name of hospital/doctor ), but I am unaware of the amount due since there is no breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( XXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. 
Therefore my request is twofold-validation of debt and HIPAA authorization XXXX 
Please provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical Information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information lo my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service In connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to valldate it XXXX be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with the above requested proof. Upon receiving it, I will correspond back by certified.
Product: Debt collection

I 'm XXXX XXXX XXXX SSN XXXX RE : Helvey & Associates ( XXXX ) Collections on behalf of XXXX XXXX. X/XX/15 assigned to each credit reporting companies for {$150.00}. I had an account with XXXX XXXX as my electrical utility company. I moved to another area where XXXX XXXX was not the electric service provider. There was a balance that was due for {$150.00}. I was never notified of this as I had moved. Apparently the mail was not immediately forwarded. I left the country for about two months to XXXX XXXX, I can prove it via my passport. Upon my return I realized that I did not pay the amount that was due to XXXX XXXX. I then contacted XXXX XXXX and paid that amount of {$150.00} directly to them. I then learned that a collection agency was trying to charge me the same amount of money. That money was paid to XXXX XXXX, I called Helvey and Ass. and notified them. I later learned that the collections agency listed me in collections in one of the credit listing companies. I contacted both XXXX XXXX and the collection company. They refuse to remove that information from the credit reporting bureaus. As a matter of fact the lady from collections was rude and told me that I should have paid them. A few months later all XXXX  credit bureaus now had the collections in their reports. I 've contacted them approx 5 times in the last few years. I was told not to call, that the matter was resolved. I 've called XXXX energy about 4 times and they tell me there 's nothing they can do. The collections folk say only XXXX can remove the negative listing that is clearly affecting my scores and credit worthiness.. None of these companies are helping me. This should not be listed on my credit report. On top of which I never received the notification as required by law from the agency, and they ( XXXX ) were paid in full. I 've called again today both companies to make one last attempt and I was pretty much told that there 's nothing that they can do. XXXX XXXX ( XXXX ) Account # XXXX Also the date it was assigned to the collections is wrong. Its listed as XXXX XXXX, 2015. But XXXX has it as XXXX XXXX,2015.
Product: Debt collection

I have received multiple phone calls from direct recovery plus, they leave voicemails to try and sound like theyre lawyers. I have not once received any kind of notification in the mail of what they are even trying to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX the data furnisher for Equifax & XXXX, XXXX XXXX DELETED an unverifiable XXXX XXXX bankruptcy from my credit file. Equifax & XXXX deleted the bankruptcy from my credit file too, but left several erroneous accounts on my credit file associated with the deleted bankruptcy. I filed XXXX disputes with Equifax & XXXX by phone on XX/XX/XXXX and XX/XX/XXXX, but these unverified accounts still remain. 

I also summitted an affidavit from the FTC by mail that my identify had been compromised last year ( XXXX ). 

Equifax remaining accounts for deletion are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 1 ) XXXX XXXX XXXX ( 2 ) XXXX XXXX ( XXXX XXXX XXXX ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX remaining accounts for deletion are : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( 1 ) XXXX XXXX XXXX ( 2 ) 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/XXXX XXXX XXXX XXXX has reported a account as a Charge Off and the status of the account was closed. However they have continued to report as a charge off for the entire year, Until XX/XX/XXXX on XXXX and XXXX and now they have changed the status to currently open as of XX/XX/XXXX on TransUnion. This has affected my credit negatively because from my understanding a charge off account should not include any active payment history. This is a manipulation of the statue of limitation. Please remove this account ....
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$540.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}. Inquiries : XXXX XXXX XXXX XX/XX/XXXX, EQUIFAX MORTGAGE SER  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX - XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCOUNT IS IN LITIGATION I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

XXXX XXXX is direct violation of this law 15 U.S. Code 1692e - False or misleading representations The Law clearly states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 

Unless XXXX. XXXX XXXX can provide the information listed in the previous letters I have sent CERTIFIED MAIL about VALIDATION OF ALLEGED ACCOUNT # XXXX ALLEGED BALANCE {$510.00} within ten ( 10 ) days after receiving this compliant, this debt will be deemed invalid, fraudulent and further collection attempts will be considered a criminal activity attempting to extort monies. A criminal complaint may be filed against XXXX. XXXX XXXX with various legal entities including, but not limited to, the Federal Bureau of Investigation ( FBI ) and the Internal Revenue Service Criminal Investigation Division ( IRS CID ) to investigate the possibility of criminal activity including, but not limited to, violations of the FAIR DEBT COLLECTIONS ACT.
Product: Mortgage

I am behind on my home and was forced to file bankruptcy chapter 13 it was XXXX because trustee demanded I pay 3 months I didnt have at once Im able to pay monthly, I requested a derrferal, ballooon payment but whats behind on the rear of the mortgage and no options are available. I worked with XXXX and am familiar with modification review process and they had me send docs and deny it without even reviewing it and continue to mail me mod packets to fill out after verbally denying me over the phone. But fail to mail denial letters. I would like the denial letter and reason for modification review. When I filed XXXX XXXX the agent I spoke to at shellpoint read me the XXXX and have been contacting me only via email to modify review but every time I call Im denied before anything is reviewed. I have XXXX daughters and this is our primary and only home please help me save my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, Pa, XXXX Equifax Information Services , LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX Dear Equifax, On XX/XX/XXXX, I submitted a request for investigation under FCRA 611 ( a ) to Equifax regarding the following accounts on my credit report : XXXX XXXX XXXX Account XXXX In response, I received a letter stating that the information was " VERIFIED ''. However, I am requesting physical documentation to support how this information was verified, as Equifax has been reporting unverifiable and inaccurate information on my credit report, which has damaged my credit score so bad that XXXX cant even get a credit card or a loan in my name. 
Under federal law, information reporting must be 100 % verifiable and 100 % accurate. As such, I am requesting that Equifax delete this erroneous information from my report. Please do not " update '' or " verify '' this information again without conducting a due diligence investigation. 
I am requesting that Equifax provide me with written contract and physical documentation supporting the information being reported on my credit report via USPS mail, as screenshots and medical statements will not suffice. THIS DEBT IS NOT MINE, and I require verification with my actual signature on a contract. 
I value my credit score, and I believe that it is being unjustly degraded as a result of this unfortunate error. I am not requesting a template response to this letter and require specific answers to the questions asked of Equifax. Please note that I intend to pursue legal action if this matter is not resolved. 
I would like to remind you of Dixon-Rollins v. Experian Information Solutions , inc. ( 2010 ) and Miller v. Equifax Information Services LLC ( 2013 ), where consumers won their case against the bureaus due to their lack of reasonable investigation of the dispute. I trust that Equifax will do the right thing and investigate this matter thoroughly. If you can not provide proof that the debt is valid, I request that you delete the information from my credit report. 
I expect a response within 15 days of receipt of this letter. Failure to do so will result in the permanent expunging of the item in question from my credit report. 
Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, NEW YORK XXXX Social Security Number : XXXX Date of BirthXXXX To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 
This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : XXXX. Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
XXXX. Update my credit profile to reflect the correct information as listed above. 
XXXX. Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit card or prepaid card

THE WEEK BEFORE XXXX, prior to any notification at all, my credit limit was decreased by almost 60 %. I had my card not honored at multiple vendors despite my having made a recent large payment toward my outstanding credit. I relied on their representation of my credit limit when deciding to use money to pay down the Chase card rather than use it elsewhere since I have upcoming job relocation expenses. When I contacted CHASE BANK, multiple times over 3 days, I was told that I would receive notification via the mail almost 2 weeks after the credit decrease became effective. Despite having signed up for electronic notifications, I didn't even receive a notification online either. 

I know the credit card companies can usually do what they want, despite the fact that I would have saved back money to pay for an upcoming job relocation rather than the credit card balance if I knew they would reduce my available credit so significantly. But there HAS to be some notification required to the user before such a MAJOR change is made to the account. I now don't have the cash to cover my move for a new job because Chase took my payment and reduced my available credit by over {$14000.00} without ANY prior notice. 

It is also worth noting I have never made a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOW ASKING MORE THAN 5 TIMES TO REMOVE THIS ACCOUNT THAT I NEVER OPEN