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

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and deleted on my credit file XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$30.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  Balance Owed : {$250.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} 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
Product: Credit card or prepaid card

I purchased 90 American Express Gift Cards for {$6000.00} directly from AMEXGitcard.com. The cards are either corrupt and do not work or have {$0.00} balance or depleted funds. I have tried to contact them numerous times and when I reach a customer service representative in XXXX XXXX, I was told that the cards were managed through a third-party company and I had no recourse to resolve the issues. Basically, I was out of luck! This is simply fraud. Their customer service number is XXXX.
Product: Debt collection

VALIDATION AND CEASE AND DESIST RE : NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor? 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit. I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have this debt. 

PERMISSABLE PURPOSE Please state why you have a permissible purpose to contact my credit. I dispute this. 

IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent XXXX XXXX XXXX a letter they requested in order to remove a hard inquiry they made on my credit. I initially disputed the hard inquiry in XX/XX/2022 when they sent me a letter stating they ran my credit. Application # XXXX. On XX/XX/2022 after not receiving any acknowledgement of my request I sent a certified letter disputing the hard inquiry, On XX/XX/2022 I finally received a response stating they would not remove the inquiry. On XX/XX/2022 I received another letter after filing a complaint with CFPB requesting documentation from the dealership stating the credit application was processed in error. Case # XXXX. I have submitted the letter from the dealership and they still have not removed the hard inquiry. Letter was submitted directly to XXXX XXXX XXXX the XXXX XXXX Management Office In regards to Capital One Auto FInance, Ref # XXXX, I have not received any acknowledgement they received the letter from the dealership nor have they removed the hard inquiry. 

The dealership letter was sent to both companies with their respective case numbers and neither have removed the hard inquiries. 

Also, I did request documentation showing my signature on supposed credit application and neither produced anything with my signature which violates my rights under the credit reporting act.
Product: Checking or savings account

Case Description : ***REFUND NEEDED***. Zero calls NOR emails answered EVER SINCE THEIR " FAILURE '' On XX/XX/2021 I contracted with this now seemingly scammish thieving entity to be this new " broker '' thing to procure my relocation packing loading & moving from XXXX, NM to XXXX NM & paid their required {$1200.00} deposit on a {$3000.00} quote for their locating/binding a crew truck/ carrier by the agreed to window they offered of XXXX XXXX XXXX, 2021 All month whenever I had any questions they barely ever answered their phone ( perhaps every 3rd call ) & NEVER returned any calls or emails ever ... eventually proceeded thru the countdown steps the last 2-5 days prior the QA call that had to be repeated after the last weekend of XXXX when the girl XXXX disappeared amidst a virtual video I wanted to show them how downsized my move had become after selling & giving away so much & all major furniture! XXXX the QA supervisor said Mon the XXXX that all was well & a crew HAD been secured with final info XXXX hours before window begins XXXX or XXXX then makes a 5-second voice msg & 1-2 sentence email telling me " SERVICE FAILURE HAS BEEN CALLED, refund in full of my deposit by US mailed check of {$1200.00} within 2-3 weeks time ''!!!! Really? Ditched me ONE DAY ON XX/XX/XXXX before the 3-day window which was days prior to my " must vacate by '' date of my apartment???? Horrible enough!!! No explanation except " we never found a carrier at that price quote the entire 4 weeks! '' really?? I had been told the reverse of course more than once whenever I called and they ANSWERED So I had to find another broker ( ironically turned out to be XXXX XXXX XXXX w/ an address RIGHT NEXT DOOR AT XXXX XXXX XXXX XXXX in XXXX XXXX XXXX FL ! Wow! They got a carrier ( XXXX XXXX XXXX ) in a day and a half at a quote raised to {$4200.00} ( XXXX to {$6900.00}!!! ) anyway STILL NO REFUND SENT BACK TO ME OF {$1200.00} never mind any resultant damages above to say higher costs under time pressure and zero calls answered!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/15 - XXXX XXXX, the car salesman for the company of XXXX XXXX stated that he could trade in my existing car for the new one. Then, her left me with XXXX XXXX who told me that I was qualified and to just drop the keys off for the old car. He said if my credit got messed up- and it would be for two to three years and I could pay their friend, {$400.00} to get my credit cleaned. I thought my credit was going to be bad because I just bought a car 6 months ago and I was buying another. This is the XXXX XXXX purchase I have ever done on my own. The guy mentioned I would be doing a voluntary surrender. When I left excited with my new car and told my family they made me realize that they didnt by my old car and they tricked me into getting my car repossessed so I tried to take the new car back and they said no. Then, they pretended to fire XXXX XXXX & the other guy but they still work there. Now they are refusing to see me. I am about to be late on a car payment because they tricked me and took advantage of me not knowing a lot about the world. I have been asking for them to make it right but all they keep doing is blaming it to other people. They encouraged me to have a repossession, they pretended to fire the associate that did it and they claim to have laid all the options on the table for me but they didnt. They convinced me they had bought the car at the end and I did not know the terminology of what they meant. XXXX  called me and apologized that I didnt understand but that does fix the issue.
Product: Money transfer, virtual currency, or money service

Continue to receive transactions and confirmations through email for account I do not have or maintain with institutions
Product: Credit reporting or other personal consumer reports

Under penalty of perjury, I swear this account with XXXX XXXX XXXX and charge offs are illegal reporting, false and misleading. This account has been settled with IRS 1099A/C form and with performance in accordance with the Bill Of Exchange Act.

Under 15 U.S.C 1681i ( 7 ) method of verification this account is in violation it was reported valid evidence.

Under 15 U.S.C 16813 ( b ) and 15 U.S.C 1681u ( 5 ) this account in violation not reporting 100 % accurate.

Under 15 U.S.C 1681a ( 2 ) ( B ) - exclusions from a consumer report this account is in violation of any credit transaction supposed to be excluded from a consumer credit report. If a social security card or security collateral was used in the transaction.

Unauthorized/Erroneous Account RESULT OF The XXXX Date Breah, Violation of The FCRA Reporting falsely.

Under the Fair Credit Reporting Act this disputed item ( s ) may not appear on my report, 15 U.S.C 1681 Have not supplied proof under the doctrine of estopped by silence XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in facts exists.
Product: Credit reporting or other personal consumer reports

I have submitted three dispute letters to Equifax regarding incorrect late payment history on my credit report. Along with my disputes, I provided a letter from the bank confirming the late payment was reported in error, and the bank also submitted a correction request on my behalf.

Despite sending this documentation via certified mail, the incorrect late payment remains on my credit report. Equifax has failed to properly investigate and correct this error, even with clear evidence from the creditor. This ongoing inaccuracy is negatively impacting my credit, and I am requesting immediate action to have this matter resolved. 

I ask that the CFPB review this issue and ensure Equifax complies with its obligation to investigate and correct inaccurate reporting.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXXXX Subject : Immediate Removal of Unverified Collections from My Credit Report Dear CFPB, I am formally disputing multiple collections accounts appearing on my credit report that violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) due to lack of proper verification. These accounts are negatively impacting my financial standing and must be removed immediately if they can not be verified according to the law. Furthermore, Experian, Equifax, and TransUnion are currently being sued for reporting inaccurate information, which further highlights the necessity of enforcing consumer protections under federal law.

I request that the CFPB thoroughly review the collections accounts reported by each credit bureau and investigate whether these accounts meet legal reporting standards. I have attached my full credit reports from Experian, Equifax, and TransUnion for your review, with the disputed collection accounts clearly highlighted. 

Legal Violations and Basis for Dispute : FCRA 15 U.S.C. 1681i - Right to Dispute and Verification Requirement : Under the FCRA, any information on my credit report must be accurate, verifiable, and complete. These collection agencies have failed to provide legally required proof of debt ownership and verification.

If they can not produce original documentation signed by me proving my liability, these accounts must be removed immediately. 

FDCPA 15 U.S.C. 1692g - Debt Validation Requirement : Debt collectors must provide validation of any debt upon request. If they fail to provide full validation, they are in violation of the law, and continued reporting of such accounts is illegal.

Unfair Reporting and Re-aging Practices : Some of these collections may have been re-aged to remain on my report longer than legally allowed ( 7 years from the date of first delinquency ). I demand a full investigation into this matter.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT DUE TO THE 2017 XXXX  DATA BREACH. PLEASE REMOVE THE REMAINING ITEMS LISTED ON MY FTC REPORT FROM MY CONSUMER FILES.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Product: Money transfer, virtual currency, or money service

Paypal somehow lost the link to my bank. Then they projected 5 days out so I asked for reversal. All I got was automated messages thanking me for my patience. When I complained online they circled the wagons. A XXXX complaint got my projected date pushed back further
Product: Credit reporting or other personal consumer reports

15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN!!!
Product: Credit card or prepaid card

Statement NOT sent so that XXXX could apply a late charge and increase interest rate because payment not made by due date. Since statement NOT sent or received I had no knowledge of due date or amount due.
Product: Money transfer, virtual currency, or money service

i began exchanging crypto currency through Crypto.com last month and the company has failed to keep my information updated, and is not giving me access to my funds. 

after send crypto to my wallet, i deposited the funds into the Crypto.com card to use for purchases and was unable to order a physical card due to the address not being up to date. 
On XX/XX/XXXX, i contacted Crpyto.com to request having my address updated so that i can order a new card and was asked for proof of identity, which i provided, and told it should've been updated within 24-48 hours. almost a month later, it still hasn't been updated and after several inquiries, they continue to tell me they are short staffed, apologize for the delay, and will have it fixed within 24-48 hours. 
because of this, i am unable to access the funds in the crypto.com checking account or withdraw the money because of this. 

i believe that by failing to keep account information up to date and not giving clients reasonable access to their funds this company is in violation of anti-money laundering regulations, Bank Secrecy Act, and other laws in place to protect consumers from unethical banking practices. 

this company certainly needs to be investigated.
Product: Debt collection

On XXXX XXXX cfpb resolved my complaint which involves and includes National Credit Adjusters. On XXXX XXXX reported it as accurate and is upholding the status. I've disputed this before with XXXX and NCA failed to provide proof of this debt and XXXX was made aware of this because i called and complained about it due to it was still being reported. NCA failed to provide any proof within the allowed time frame which according to USC 1681 A Sec 2 they must provide proof of the debt within 15 days. NCA failed to do that and the debt should have been removed from my consumer report and it wasn't. This was the reason the new complaint was opened. CFPB closed this complaint with a removed/deleted status. However, XXXX came back a few days later with a valid and remains status. NCA adjusters is also reporting this collection with a balance which is also illegal due to you can not report a collection with a balance and requires it to be removed. XXXX is not following any of these protocols. I would like XXXX as well as NCA adjusters to remove this from my consumer report and to not report this on my consumer report again. At this point they are violating my consumer rights.
Product: Debt collection

This is a complaint from XXXX XXXX against Client Services for Client Servicess failure to provide requested information for the debt alleged. On XX/XX/18, consumer received a demand letter from Client Services. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Debt collection

Portfolio Recovery had the audacity to call XXXX at XXXX after they responded % your bureau and we disputed their response as their name continues to appear on the caller id that appears on screen and they leave no msg/you should have this on record/
Product: Credit card

I returned two items which I ordered online to Saks Fifth Avenue. I received emails from Saks Fifth Avenue ( which I am attaching screen shots of ) on XX/XX/XXXX telling me that they had received my return for order # XXXX, for the XXXX XXXX, for {$160.00}, and my return of order # XXXX the XXXX XXXX XXXX at {$170.00}. The emails also stated that my Saks Fifth Avenue credit card account would be credited. Today is XX/XX/XXXX business days after I received that email. I will add that last week on XX/XX/XXXX, I called Saks Fifth Avenue 's credit card XXXX number, and I was on the phone for over an hour. The man I spoke with said that I would receive a phone call in 2-3 days, and an email in 2-3 days, following up on my call and informing me that my account had been credited. I never received a call or an email, however this morning I received an email from Saks, telling me that my return for order # XXXX the XXXXXXXX XXXX, {$160.00} had been processed. Though this email noted the correct amount I had paid for the shoes- {$160.00}, when I looked at my account, I saw that it had only been credited {$130.00}. As you may notice this is a difference of {$30.00}! It is true that Saks Fifth Avenue deducts {$9.00} for return shipping, however $ XXXX XXXX {$150.00}. So Saks credited me {$20.00} less than they were supposed to credit me, and I am still owed a credit for order # XXXX, The XXXX XXXX at {$170.00}, or {$160.00}. In total, Saks owes me a credit of {$180.00}. I called the XXXX number on the back of my credit card today ( XX/XX/XXXX ) in attempt to receive the {$20.00} that I was shorted in being issued a credit for only {$130.00}, however the first person I spoke with didn't know how to help me, and neither did the second person. I also want my interest charges to be adjusted accordingly. Saks charges an APR of 29 % .. At this point due to my numerous unsuccessful efforts to contact Saks Fifth Avenue XXXXo receive the credit owed to me, I have zero faith that Saks Fifth Avenue will do the right thing unless they are forced to by someone who can hold them accountable.