23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is being sent to you in response to a notice sent to me on XXXX-18 in response to a listing on my credit under XXXX XXXX XXXX XXXX " XXXX ''. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( Equifax, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 

This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. The investigation was shown as verified and there was no information sent to me at all, so how could it possibly be verified? No contracts or signed documents were sent to me at all. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

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

Please substantiate your claims regarding information XXXX XXXX XXXX XXXX XXXX transmitted to credit CRAs for me, XXXX XXXX, regarding a so-called account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Since reporting errors may be vis-a-vis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows that XXXX XXXX XXXX XXXX XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX XXXX IXXXXto the credit bureaus should be deemed discrepant and may indicate XXXX XXXX XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've identified accounts on my report that are a result of identity theft. These items are not related to any transactions completed that I've made. XXXX XXXX XXXX XXXXXX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I explained to the company that the loan was taken out by someone else. However, the loan was paid off so that my credit wasn't impacted but it negatively affected my credit. Requested for the company to remove the tradeline from my report and they agreed, however, it is still there on XXXX and XXXX.
Product: Credit card

I was called by XXXX except not XXXX was a hacker He was in my computer every night I expressed anger that XXXX was taking up all my time & they said they would pay for my time I said no don't want wait months for check they said we can pay off some of your c card debt i agreed they paid some but walked away with XXXX. From my checking account I called bank said please change cards and I changed passwords I did try to verify they were XXXX, but I couldnt reach anybody at XXXX live. I did call the police. Ive made a police report. Ive given them the name and the phone number. The person called me on XXXX had been in my phone and computer five other times thats why I believe it was XXXX but they didnt lose anything Capitol One and Im XXXX XXXX XXXX and Im trying to start my life credit cards my own my husband just died two years ago. I cant start fresh with that Credit I wont be able to even lose anything I didnt do anything. Why cant I have my credit cards? I paid two to {$400.00} a month on them, I owe less than {$1200.00}. Please help me get my credit card back.
Product: Mortgage

In early XX/XX/XXXX I received two checks from Wells Fargo that they had made a mistake during a loan modification and that they owe me money. They sent the check in my name and my ex wife name who we are now divorce and have been since XXXX. My ex also turned the property over to me. I now own the property. I obtain a new title that shows just my name. I ask wells Fargo to reissue the checks in just my name. They ask for the divorce decree and a copy of my title and I sent them this information. I called Wells Fargo back about two weeks later and the representative told me that she had put in the request for the checks to be reissued. On XXXX XXXX I received a letter from Wells Fargo stating that they could no reissue the checks in just my name. The problem with this situation is my ex wife don't communicate like that and we do not have any joint bank accounts in our names, and have not in over 12 years. The title clealy shows that she does not want any thing to do with the property. I also showed them proof where I have a loan modification with them in my name only dated in XXXX. Im the only one paying the bank I have been in good standing for many years. My ex wife does not live on the property and I have very little contact with her. The amount of these checks comes to about {$5000.00}.
Product: Credit reporting or other personal consumer reports

I appreciate the effort taken to eliminate some of the fraudulent items from my file that resulted from alleged identity theft. However, there are still remaining ITEMS that require removal. As a victim of identity theft, I am reiterating my request to remove these items from my credit file. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are mandated to remove any items not later than 4 business days after XX/XX/XXXX. This matter has been previously raised in my complaint, and I am readdressing it here with my new FTC report # XXXX. The remaining items for removal per bureau are : -- -- -- -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$2000.00} -- -- -- -- -- -- -- -- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX This complaint serves as notification that if the listed items on my reports are not removed, I will be compelled to file a lawsuit. I have informed my attorney of my intentions, and they are prepared to hold you accountable in case of willful noncompliance.
Product: Credit card or prepaid card

Multiple unauthorized and not notified or emailed about charges on XX/XX/2021-XX/XX/2021 for {$2.00} totaling around {$510.00} from XXXX XXXX I dont use android or XXXX because I have a XXXX nor do I ever make transactions like these I panicked and contacted the bank when I seen my account was at a {$1.00} and never got a text like I always do or email why wasnt this red flagged for suspicious activity I also just had a class action settlement again Bank of America because someone stole {$5000.00} recently as well and they refused to give it back until I involved CFPB so please help again I need my money I filed a claim and keep getting told ohh we are working on it its pending
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Sign under a promotional deal with Todewater Finance and received a 0 % interest bill up to my final payment. Each bill failed to state the amount of deferred interest getting charged to my account and the final bill stated that the interest charged to the account was still 0 %. Paid final bill then received a bill stating that I was charged an extreme amount of interest, as well as, vague and/or misleading information of the itemization of the account. Called to speak to the company and was rudely told that monthly statements are a courtesy and did not have to state accurate information. Was also told by two separate managers and several employees multiple stories about why my account was charged this amount. I received a payment history that had a missing payment made by myself. The company told me to get with the store that I financed my items from or to go back and provide my own information of my payment history for all payments. Ultimately, the company is using misdirected, misleading, and/or unethical business practices and according the last statement I received, before the fraudulent statement afterwards, the account is paid in full.
Product: Credit reporting or other personal consumer reports

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} 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 Balance : {$200.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$740.00} 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  Balance : {$200.00} XXXX XXXX XXXX  Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX Balance : {$24000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX  # XXXX - Balance : {$750.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX : {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Balance : {$1100.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX - Balance : {$350.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX - Balance : {$320.00} Date Opened : XX/XX/XXXX Unauthorized Inquiries : 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 XXXXXX/XX/XXXX
Product: Checking or savings account

The police told me to dispute charges because of an problem with XXXX XXXX I didn't they didn't follow through and took my money now I'm in debt and can't pay my bills because of there mishandling of the money and paperwork
Product: Debt collection

The original debtor deleted this from my credit history years ago when first disputed. This debt is TIME BARRED regardless. Portfolio recovery continues to report it and has damaged my credit irreparably for the past 5 to 6 years. Today I received another call even after Ive asked them to stop calling for the past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves XXXX, XXXX XXXX, and XXXX XXXX. 

I have held an XXXX credit card for several years, and historically it was associated with an account at XXXX XXXX. I had automatic payments set for that account and never had a late payment. 

In 2022 XXXX switched providers to XXXX XXXX. I do not recall receiving any notice of this change, and the first I heard of it was when I received an alert that my credit score had dropped by nearly XXXX points. This change was made before I received a new credit card showing any kind of XXXX XXXX logo, and the automatic payments that I had set up at XXXX XXXX did not transfer to XXXX XXXXXXXX. 

I brought the account up to current in early XXXX immediately after learning about the issue, and in XXXX I mailed a letter to XXXX XXXX describing the issue and requesting to have the late payments removed from my credit history. XXXX XXXX responded on XX/XX/XXXX that they were unable to do so. 

I am requesting to have the late payments removed from my credit history. The change between credit providers was made without any input on my part, and had it not taken place my automatic payments would have prevented the issue from occurring.
Product: Credit reporting or other personal consumer reports

I Have so many inaccurate information and incomplete information and i want Experian to fix it or delete the account from reporting on my credit report for its hurting me and i deserve an accurate credit report
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred despite having sufficient funds. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I request an investigation into my account transaction.
Product: Student loan

Why do you ( Earnest ) keep taking payments from my checking account without telling me when you will take them out of my account? It says my next payment isn't due until XX/XX/XXXX! I've taken a screenshot as proof. I know I signed up for biweekly payments, but you need to show those dates if you want me to have money in my account! I only have {$4.00} left in my checking account now because of you. Not cool. It's like you're making the payment process purposefully non-transparent.
Product: Credit reporting, credit repair services, or other personal consumer reports

After returning the lease on time with no payment due, I received a bill {$6000.00} over the agreed upon amount of normal wear and tear. I disputed this in writing to Hyundai. When there was no response to the dispute and I saw the amount as a balance due added to my credit report, I submitted a complaint to the FTC. Still no response from Hyundai. 

Hyundai ignored my dispute by their non-reply AND simply added it to my credit report, as if my written dispute meant nothing. I understand Hyundai is a South Korean company, but these practices do not transfer to the US. The lease was in possession of a car detailer, which is different than their normal customer, and showed wear and tear only on the driver 's seat. I've checked the box below to make this complaint public.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies are allowing a listed loan with XXXX at XXXX percent interest, well above the usury limits in Florida to deter identified predator practices against XXXX veterans. The credit reporting agencies should identify this as correct, and that they are allowing what was listed as predatorial practice percentages identified in the state of Florida to damage credit. The credit reporting agencies, also aid in the damage to my personal credit to be allowed as a tax write off in the percentage of XXXX percent, which I believe to be a fraudulent number when placed next to the state ursury law in place to prevent it. With that said, I wish the credit reporting agency to admit they are allowing these percentages to ruin credit for years, as well as companies writing off an larger than allowed percentage in tax advantages.
Product: Credit reporting or other personal consumer reports

On the months, of XXXX XXXX and XXXX of year XXXX I sent over a verification letter to Experian and XXXX XXXX XXXX. I asked them to validate all the accounts on my credit file and they DID NOT. They sent a letter stating that they did which was a lie because how did they validate anything when they couldn't send over anything with my signature on it. Also, I asked that any inquires not associated with an account and is over 30 Days old be removed immediately. THEY STILL HAVE THE ACCOUNTS ON MY CREDIT PROFILE THAT i ASKED TO BE REMOVED. AT THIS POINT, if they dent remove the unverified accounts within 3 days I intend to pursue legal action and litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the unverified items are not deleted immediately.
Product: Credit card

XX/XX/year> sent letter XXXX XXXX Mail XXXX signed for on XX/XX/year> requesting verification of account with a document bearing my signature. No document furnished from the company bearing my signature. XX/XX/year> again sent letter XXXX XXXX Mail XXXX signed for on XX/XX/year> requesting verification of account with a document bearing my signature. No document furnished from the company bearing my signature. XX/XX/year> sent letter XXXX XXXX Mail XXXX signed for on XX/XX/year> requesting verification of account with a document bearing my signature and also notifying that they never placed notice on my accounts with the reporting agencies as disputed within 30 days as per FCRA and FDCPA sections stating that it is a violation not to furnish this notice. No document furnished from the company bearing my signature and no feedback as to what they are going to do about the inaccuracy of the account on my credit reports.
Product: Payday loan, title loan, or personal loan

1.I have never had an account with this company REGIONS BANK , REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are REGIONS BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

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Product: Debt collection

Heat pump installation incomplete. Paid half up front and expected to pay remaining half on completion. Installer improperly installed equipment. Installation company point of contact denied my identified code deficiencies. Once City inspector concurred installers point of contact became threatening. I asked for product and procedures the installers employee would be applying to the " rework '', Installer 's point of contact erroneously stated code requirement and would not identify product or procedure information. Installers point of contact threatened to lien my property where the product was installed and damage my credit record in a seven day period if I did not operate by their directives ... This Thursday evening XXXX/XXXX/2017 I received a call from a collection agency and a visit from a process server. The installation company has been sent by certified mail a dispute notice ( they received XXXX/XXXX/2017 ), a request for validation of debt ( separate certified notice they received XXXX/XXXX/2017 ) and an administrative remedy ( eta XXXX/XXXX/2017 ). The installer does not have an installation contract that I am aware of, I sent the first half payment with the proposal but there was no conflict resolution process language and I was led to believe half up front and half on completion by the sales person and the installation scheduler.