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

I am writing to formally request validation of the alleged debt associated with the XXXX XXXX XXXX account, as provided on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ) and applicable consumer reporting laws, I am entitled to receive verification of the debt before any further collection activity or reporting is made. 

The account information listed on my Equifax report is as follows : Reported Date : XX/XX/XXXX XXXX Balance : {$1600.00} Original Creditor : XXXX XXXX XXXX ( Closed ) Account Opened : XX/XX/XXXX ( approximately 3 years, 10 months ago ) Account Status : Open, Derogatory ( Placed for collection ) Responsibility : Individual Remarks : Account information disputed by consumer In accordance with my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ), I request that you provide me with the following documentation : 1. Complete Account Ledger & Itemization : A detailed, itemized breakdown of the alleged debt amount of {$1600.00}, including any fees, penalties, or charges that have been added.

2. Original Agreement & Proof of Liability : A complete copy of the original signed agreement or contract with the original creditor ( XXXX XXXX XXXX ) that shows my obligation to pay this debt. 



3. Chain of Title Documentation : Verification that XXXX XXXX XXXX is legally entitled to collect this debt, including any documentation showing the transfer or assignment of the debt from the original creditor. 



4. Validation of Debt Amount and Reporting : Documentation that verifies the amount claimed and confirms that this debt is reported in accordance with the Metro 2 data standards and FCRA requirements for accuracy.

Until I receive the requested validation, I hereby dispute the validity of this debt and request that all collection activities cease. Furthermore, if you are unable to provide the requested documentation within 30 days, please remove all references to this account from my credit file as required under FCRA 1681i ( a ) ( 5 ) ( A ).

Please send all correspondence and copies of the requested documentation to the address listed above. If you have any questions or require additional information, please contact me in writing.

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

Purchase of a personal computer component ( graphics card ) in the amount of {$100.00} USD was made from an online vendor ( which turned out to be fraudulent ) on XX/XX/2020 using the Citi credit card that is the subject of this complaint. No further communication was received from the vendor ( including no order updates or shipping information ) despite several emails requesting information. No delivery was made to my address. The credit card was charged through XXXX and the initial dispute was filed with XXXX but XXXX deferred to Citi in XX/XX/2020. The vendor claimed in response to the dispute that delivery of the package was confirmed and provided a tracking number. I took this tracking number to the customer service department of the carrier and they provided me with documentation that the tracking number was not related to my name or address, and I forwarded this information to Citi early in the month of XX/XX/2020, and I was told that the rest of the dispute would be resolved after that ( see attached document ). Months later I called to check on the status of the dispute and a representative told me that the dispute was closed because I did not respond to a letter they sent me ( which I never received either in electronic or physical form ), even though I had already submitted all relevant information in XXXX and they were not asking for any new information. In summary, I provided timely proof that the disputed transaction was fraudulent and Citi is denying fraud protection.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following inaccurate accounts on my credit report listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Tried several times to get the following items removed from my report : The inquires and and accounts XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX was opened without my consent and fraudulent. These accounts are holding me back from establishing good credit and ultimately buying a home for my family. I need these accounts looked into and investigated because I did not open those accounts.
Product: Debt collection

Capital One was notified of the effect that this negative information is affecting my credit report with inaccurate information. They confirmed that all open Capital One accounts were verified. I have proof to prove the opposite. The account balances reported are not consistent across all 3 credit bureaus. The closed accounts are fraudulently reporting late payment statuses. I am not requesting that these accounts be updated. I am demanding that they're deleted. Please remove all this XXXXXXXX XXXX immediately. Charge off accounts are a violation. Violation of privacy. No permissible purpose has been authorized. No consent is equal to fraud.
Product: Debt collection

i never owed this debt and there claiming i owed it they lied in your response i have a letter from XXXX that says otherwise they need to be investigated for illegal collections tactics this was there previous response XXXX XXXX XXXX ( XXXX XXXX )  is in receipt of XXXX XXXX XXXX CFPB Complaint Case # XXXX. As stated in our Consumer Relations Policy, in all that we do, we strive to treat consumers with respect and integrity. We are committed to engaging in dialogue that is respectful and constructive, creating solutions for our consumers that resolves their debt, and ensuring that those who work on our behalf adhere to these same standards. Our investigation of this matter indicates that XXXX XXXX XXXXXXXX XXXX opened a XXXX XXXX ( formerly XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Credit Card account ending in XXXX on XXXX XXXX, XXXX, for which XXXX XXXX is the personal guarantor. From XXXX XXXX, XXXX until on or about XXXX XXXX, XXXX merchandise including, but not limited to cat food, cat litter, cheese, deodorant, and approximately {$8700.00} in gift cards was charged to the account without any payments thereafter. The account was charged-off on XX/XX/XXXX and subsequently purchased by XXXX on XXXX XXXX, XXXX. Additionally, and as part of our investigation XXXX is unable to confirm XXXX XXXX XXXX XXXX has filed bankruptcy as stated in the complaint. However, since a copy of the credit application, or similar original account-level documentation, confirming XXXX XXXX is a personal guarantee is not readily accessible at the time of this response, XXXX shall cease future collection efforts from XXXX XXXX until said documentation is received.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX Account # XXXX Date opened- XXXX XXXX XXXX
Product: Debt collection

I called numerous of times over a year period regarding XXXX performance of the cell phone as well as billing issues. I filled out complaints with the XXXX in regards to the numerous of times of billing errors and poor call performance. After speaking with an executive team the contract was supposed to be terminated. After several months I received an email for the return of the device for {$140.00}. This was not the agreed upon resolution by the merchant so I tried to contact the representative again. At that time they had transferred the account to Convergent Outsourcing , Inc . I contacted Convergent to let them know this is not a debt and provided them with the email showing of the debt in question was {$140.00} and not {$570.00} as they had suggested. XXXX which I believe is owned by XXXX through a recent merger and Convergent has ignored all attempts to resolve the issue and has continually reported negative collection balance of {$520.00} on my credit report as recent as XX/XX/2022. Any help in resolving this issue would be greatly appreciated. I have copies of complaints with the XXXX, emails, and phone logs for your examination.
Product: Credit reporting or other personal consumer reports

Equifax is reporting a collection on my account from a company called XXXX collections in the amount of {$210.00}. I never did business with this company and it is reporting on my account fraudulently. Ive asked Equifax to remove this immediately and they have yet to remove it from my report. Ive recently started my credit journey and this is affecting me tremendously.
Product: Credit card

Account paid in full monthly on time. 
Purchased air conditioner on Target Red MasterCard and paid in full before due. Payment was over {$10000.00}, and that is reason they must put hold on my credit card? Ive spoken to my bank ( XXXX XXXX, ) and they released funds XX/XX/31 ; day after payment was made to Target Card Service. 
My credit card had been denied for no reason and WITHOUT notification causing hardship and embarrassment. Completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint number XXXX to remove and block these items.
Product: Credit reporting or other personal consumer reports

I am kindly requesting assistance from CFPB to please help me in REMOVING THESE FRAUDULENT INQUIRIES FROM MY CREDIT REPORTS. This was my follow up complaint regarding the mentioned issue. And please assist me in making sure that the XXXX and Equifax will finish removing the remaining fraudulent inquiries and the removal of the fraudulent inquiries from my XXXX credit report that the credit bureau itself neglected. Once again, these are the specific list of fraudulent inquiries in the specific bureau to be removed : 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: Debt collection

I DO NOT OWE DEBPT WITH BANK OF AMERICA. I NEVER REQUEST AND/OR OWN ANY LOAN WITH BANK. THUS I NEVER GOT APPROVED FOR LOAN FURTHER, ICLAIM I LOST MONEY AS RESULT OF BANK OF AMERICA TRYING TO DEFRAUD ME
Product: Credit reporting or other personal consumer reports

This is my second formal complaint for this agency to fix incomplete and inaccurate information on my consumer report. I submitted my request last month and they provided me a stall letter stating this is not me and I enclosed all my identification. ID and Proof of address
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$220000.00}
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/XXXX, XXXX i saw some hard inquiries that did not have my permissible purpose. I also attached evidence. 

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX ON XXXX XXXX XXXX XXXX ON XX/XX/XXXX. 
XXXX XXXX  ON XX/XX/XXXX These inquiries have no permissible purpose to be on my report. delete these inquiries due to violaton of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I submitted a complaint ( Complaint # XXXX ) regarding credit inquires that were fraudulently and inaccurately reported on my consumer report including accompanying documentation from the creditors stating that they had placed a request to all bureaus to remove inquires. As of XX/XX/2022, the inquires still have not been removed and my consumer report corrected. I demand that this be addressed and corrected immediately as you are in direct violation of the FCRA.
Product: Mortgage

I currently have a mortgage with Ocwen Financial, back in XXXX I requested a modification, I received the packet sent filled everything in and sent it back to them, they said they received everything by XXXX XXXX, after being told they had a complete packet, weeks later I received a request for additional information, this happened over and over again, each time I would send in the information I would call to be sure they had everything, and each time a week or 10 days later I would get an additional request via snail mail, I would promptly send in whatever was requested, the final hold up was they wanted my sisters financial info even though none of them are on the loan or have anything to do with the loan, however they do live with me. During this process I was told since I had my original packet in before XX/XX/2017, received complete on XX/XX/2017, that I had 90 days from that date to get in any other requested information, I was also told not to get behind on my payments otherwise I would not be considered for a modification. Yet I recently received a letter from Ocwen saying they will not review my request for a modification since I was not behind on my payments and they did not have everything they had requested before XXXX XXXX. I sent in everything they asked for usually the same night, just to make sure they would have it, I sent it email, fax and overnight mail, because some times they would say things were illegible, even though I would send them to multiple devices and not once had a problem. I started this process after learning about the 2.2 billion dollar settlement Ocwen made with the bureau to correct some of the wrongs they were responsible for in this country 's meltdown. I want to keep my house and keep making payments, but being a carpenter I was greatly affected by downturn starting in 2008 caused in large part by companies like Ocwen. I do n't want anything I 'm not entitled to, but I would like fairness and truthfulness especially from my mortgage company, especially when that company has an obligation to fulfill to the tune of 2.2 Billion dollars, for fraudulent practices. I did not choose Ocwen, I had started with another scheming mortgagor Indy Mac, but now that I 'm with Ocwen I am doing all I can to keep up my end of the bargain paying my mortgage each month and I wish they would do the same, I followed the rules to the best of my abilities to get my paperwork in on time, while they did everything in their power to slow it down, it 's disgraceful when such a large company is allowed to treat their customers this way. I just wanted to be considered for a government backed program to help us thru this tough time, and they wo n't even look at my case, why did they keep requesting items if the deal was off XXXX XXXX. What good is a settlement of 2.2 Billion dollars if no one makes sure they follow thru and help their clients.
Product: Debt collection

Someone rented 3 apartments using my identity. Procollect, inc. requested I gather the information they needed to delete the account. At first I was told I needed to file a police report. After I sent them the documentation with the report number, they reached out and told me that I had to send a copy of the report. I got all that finally and mailed it to the address they told me. Then they told me after they had received the documentation that it had to be sent in electronically and they refused to process it. Finally, I got them to process it and after 3 months of the account being processed I reached out to them and was told that it had to be reviewed by the original debtor and they were waiting. So I called the debtor and they had not received anything. After over a week of trying to get a supervisor to speak with me I finally talked with him and he told me it would be placed in " Managerial Review '' and it would remain open but not reported to the credit bureaus. He lied. It is STILL on my credit report and being actively reported. So I called them again after it reported and they said that I did not provide them with enough information, even though I provided them with everything they requested. This is an unprofessional company and will not remove an account even if they KNOW it was opened fraudulently.
Product: Credit card or prepaid card

This complaint is a follow-on to my previous complaint # XXXX. 
I have 2 Kohls Charge Statements now ( closing XX/XX/18 & XX/XX/18) to upload as well as a PDF showing a secure message that I sent them through their website about their fraudulent practice of claiming to have corrected their double payment error by issuing me a refund check on XX/XX/18. They have not responded to my secure message. They simply repeated my message as a reply and marked the status as completed ( a totally bogus response ). 
I have never received this check in the mail, so I could not have cashed it, thereby allowing them to have proof to proceed in changing my negative balance into a positive balance again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of XXXX I was applying for a loan modification and instead of reducing my monthly payments they increased it considerably. I was working with an attorney and as an effort applied for bankruptcy to allow more time to negotiate. Chapter XXXX was filed on XX/XX/XXXX and on XX/XX/XXXX I received a Notice of Deficient Filing. Since the bank and I didnt want this to go any further we came to an agreement and the bankruptcy was dropped. Recently I applied for a HELOC loan to make minor improvements in my home and was refused because of a notice of bankruptcy on my credit report. On XX/XX/XXXX I submitted a dispute, # XXXX, and was to have communication within 30 days and to date there has been no feedback. The notice of bankruptcy is still on the credit report and it has lowered my credit to a point where I cant receive a loan.
Product: Credit reporting or other personal consumer reports

XXXX AND XXXX IS IN VIOLATION UNDER 15 USC 6802
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023 I was denied access to my credit after I extended my social security and other personal information in good faith to Navy Federal Credit Union. Application number : XXXX, Navy Federal Credit Union accepted my credit application and personal information but in turn sent me an a letter denying me access to my personal credit on the basis of an inaccurate consumer report. This denial of my right to credit is illegal and against the Equal Credit Opportunity Act. They can not deny me access to credit for any discriminatory reason. I extended my credit card ( or social security card ) in good faith to Navy Federal Credit Union and they denied me access to my federally governed right to credit as the consumer in this transaction. A copy of this adverse action letter can be provide that Navy Federal Credit Union sent me.
Product: Money transfer, virtual currency, or money service

My coinbase account was locked for nor reason by Coinbase. I have been in touch with their support which has been of no help. They won't give me a reason, just that they need to verify my identity using a selfie and biometrics. I have done this multiple times and they either respond with we will get back in 14 business only to say pictures were blurry. They have said this multiple times and one time they claimed they didn't receive pictures. I have email communication documents to the above. When this started there was XXXX in the account, since XXXX have gone down the account has dropped below XXXX, I can't even access it to check my holdings or portfolio. This has gone on for months and still I have no reason for their action, I can only say that it was locked right after the proof of stake with XXXX  in XXXX, I had staked XXXX with them.
Product: Credit card or prepaid card

I TOOK OUT Q SECURED CREDIT CARD WITH US BANK. I PLACED {$5000.00} TO SECURE MY CREDIT CARD. THE FRAUD TEAM SAID I WAS DOING SOMETHING THAT I SHOULD HAVE NOT HAVE DONE AND THEY CLOSED MY CREDIT CARD WHEN I WAS OUT OF THE COUNTRY. THEY WOULD SPECIFIC REASON FOR THE CLOSING ACCOUNT. I ASKED THEM TO USE THE MONEY THAT WAS PLACED TO SECURE MY CREDIT CARD TO PAY OFF THE OUTSTANDING BALANCE AND SEND ME THE DIFFERENCE. THE REP SAID IT WOULD BE 2 BILLING CYCLES SO THATS 90 DAYS. I FIND THIS VERY UNFAIR, UNETHICAL. THIS IS GOING TO HURT MY FINANCIALS SINCE I CAN NO LONGER USE THE FUNDS. I WOULD LIKE THE BACK TO SEND ME MY FUNDS BACK AS THEY HAD NO RIGHT TO CLOSE THE ACCOUNT AS I DID NOTHING WRONG.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and on XX/XX/18 I went into XXXX on XXXX XXXX in XXXX, Florida to make car payment like I always do. Gave the customer service person my information. I have been making this payment for a year now. I was informed by my car payment XXXX XXXX XXXX, XXXX XXXX that they still have not received my payment. Went back to XXXX and they submitted my payment to XXXX XXXX XXXX. Was told they couldn't do anything. called Western Union and they keep telling me they are trying to get XXXX XXXX XXXX to release monies. Today is XX/XX/18 and I still have no refund or car payment. My car payment was for XXXX and paid XXXX for urgent fees. That is a lot of money to me.