23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX VT XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX IN RESPONSE TO CFPB : XXXX Dear Sir/Madam : I have wrote several letter of dispute I have been ignoring and the proper protocol was not used to determine my dispute reason permited by law I had not heard any specific actions taken to recertify the items I had identified as inaccurate or incomplete in my credit report. 
Items : TRANSWORLD SYSTEMS INC Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to recertify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report.

Now when someone identity is compromise a credit or data furnisher should do a proper dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately!

If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees. 
I have forwarded a copy of this letter to the Federal Trade Commission. 



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

Unfortunately, at the time of the incident of Pandemic, I had ran into a problem because of Covid-19 which cost me to lose my lost job and I had to apply for unemployment which was approval a month later as you can see I been with the Saks for 3 years and was never late can you please remove this because is hurting my score and I pick up another job so this won't happen again thank you for hearing me out hopefully you help me and my family. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 


I send letters to all three bureaus like Saks told me too also send a email and letter to CEO of the company no response this being going on sense XXXX Im an a process of buying a home why the interest rate low. Thank you for hearing me out hopefully we can come to agreement and get it remove and the reporting is wrong to.
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 XXXX business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My letter to MCM - Midland Credit Management , Inc. : MCM - Midland Credit Management , Inc. XX/XX/XXXXTo whom it may concern, I have been receiving these types of letters since last year XX/XX/XXXX. I have also spoken to XXXX different representatives on your end in regards to this. The XXXX times that I have called XXXX representatives were unable to provide information but the following:1. The account was opened in XX/XX/XXXX ( I was only XXXX ). 
2. The account name is " Structure ''. ( What is " Structure ''? NOBODY can explain to me what " Structure '' is? ). 

My thoughts, concerns and question is WHY after 11 years was this being brought to my attention in XX/XX/XXXX? Why ca n't anyone from MCM tell me what this account/credit/ '' Structure '' was for/is? 
I have XXXX DEBT under my name. I have ran my credit reports yearly and most recently back in XX/XX/XXXX and have never seen any of this? 

If MCM and nobody on the business end can provide me with any of the following information to explain to me who, what, when this account was and what it was? I wish that MCM make no more contact or communication with me and wish to please be forgiven of this mysterious " debt '' I owe in the amount of {$990.00}. I have done all that I can do by receiving these letters, following up with MCM and I get the same run around with no answers to my questions and especially this " debt '' going on 11 years now. 

Again I am asking you to please forgive me of the above debt. This has been a hassle for the last year on my end. Nobody can provide me with any type of paperwork, documentation, signature or what " Structure '' is? 

Until further notice please do not contact me via mail or phone. 

I thank you kindly for your time and patience in regards to receiving and reading this letter!
Product: Debt collection

I am writing to formally request debt validation under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ) -15 U.S.C 1692g. I recently received a notice from your agency regarding an alleged debt, and before I take any action, I am requesting full validation of the debt, as required by federal law.

Per FDCPA, please provide the following : 1. Proof that I owe this debt, including a signed agreement or contract.

2. A detailed breakdown of the amount owed, including principal, interest, fees, and any other charges.

3. The name and address of the original creditor, as well as the original account number.

4. Proof that your agency is legally authorized to collect this debt.

Until proper validation is provided, I request that you cease all collection activities, including reporting this debt to the credit bureaus, as required under 15 U.S.C. 1692g ( b ). If you fail to provide proper validation, I. expect that you remove this account from my credit report immediately and cease any further contact regarding this matter.

Additionally, under 15 U.S.C. 1692c, I formally request that all communication regarding this debt be conducted in writing only.
Product: Checking or savings account

M and T bank has an auto dialer calling me at least once per day. It says ( I copy and pasted )... 

This is M & T Bank. Please return our call at XXXX at your earliest convenience. Again, the number is XXXX. 

I have called twice and asked them to stop. They have not done so and say there is nothing they can do. Today I got a call at XXXX and XXXX with a XXXX second message. It's is beyond harassment and they will not do anything to sop it. 

Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about the XX/XX/2018, I XXXX XXXX noticed a OneMain inquiry on my XXXX  consumer credit report dated XX/XX/2018. I am dealing with my identity being stolen and have a fraud alert posted on my XXXX consumer credit report. I contacted OneMain by phone on the XX/XX/2018, and was informed by the Representative, " who would not tell me their name '', that it would be deleted from the XXXX consumer credit report in 30 days. On or about the XX/XX/2018, I XXXX XXXX noticed the OneMain inquiry on my XXXX consumer credit report, # XXXX dated XX/XX/2018 still appearing. I mailed a second notice " validation letter '' in regards to this inquiries and explained that this was conducted without my consent or permission and is a violation of the FCRA, " Fair Credit Reporting Act ''. This action is causing the consumer injury, without proof of my consent or a certified copy of the contract.
Product: Credit card or prepaid card

In XX/XX/XXXX after requesting a change of address on my Capital One account, I was asked to provide detailed paperwork, which I did not have. This paperwork was more detailed and difficult to gather than the paperwork required to open the account. 

Since I was unable to gather the paperwork together, my account was put into Restricted mode in XX/XX/XXXX. While in Restricted Mode, I was unable to access my account, use my card, or use the more than XXXX rewards miles I had accrued. At that time, I paid off all balances and could not provide the requested paperwork. My balance was XXXX. I never had missed a payment or made a late payment. 

In XX/XX/XXXX, my account was charged with a {$59.00} Capital One Member Fee. I was not warned that this charge would be coming nor was I aware of it. 

In XX/XX/XXXX, my account was charged with a {$25.00} Past Due Fee and an Interest Charge of {$1.00}.

In XX/XX/XXXX, my account was charged with a {$35.00} Past Due Fee and will be charged an interest fee.

In XX/XX/XXXX when I discovered these charges, I called Capital One. They said they could not warn me of the impending Member Fee, since my account was in Restricted Mode. They said they could not contact me, since they didn't have my updated paperwork ( although, my email had never changed ). I tried speaking with them to explain the aforementioned events, but they stated that this was their policy and there was nothing they could do. I then instructed them to close my account. In doing this, I forfeited the XXXX Rewards Miles. They said my balance remains and will be charged interest accordingly. I currently have a balance of {$12000.00} from the Past Due Fees and Member Fee on my restricted account.
Product: Student loan

the company name is Credit Adjustments inc, I have been making adjustment plans to make payments, I have send the papers they asked me, but I have told them in many ocations not to call me during working hours and they seem to ignore that petition. I work in an environment where I have people in my office all the time and I cant be on the phone, plus eveytime they call me they have me on the phone for like 45 to an hour and I cant do that in my job I have asked them to call me efter XXXX o XXXX XXXX sometimes they do some times they DONT and Im tired I have send them every thing they asked for, but they still dont stop calling me, they are affecting me in my job and my peace of mind, stopping me from doing my job they way I have to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about a citi card that was opened on XX/XX/XXXX and closed on XX/XX/XXXX. The situation is my account was closed due to a misunderstanding. Fast forwarding they had agreed since everything was paid off they would remove this account from all credit file agency 's. 

The main issue is it says account closed by credit granter. I always paid them on time and this whole thing was a misunderstanding. When they tried to call me I never got the call. I was a good client for years and as there supervisors told me they understood why I would feel the way I do and would remove entire thing from file. They have yet to do so. 

I have good credit and don't want a misunderstanding on my credit report. I would hope citi honors what there supervisors had said. I have spoken to them several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including name, social security number, address, birth date, drivers license number, and possibly more. They allowed a data breach to occur in XXXX 2017, and they confirmed I may be affected on their website www.equifaxsecurity2017.com. Equifax has put myself and millions of others at risk of identity theft / fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Product: Credit reporting or other personal consumer reports

Credit card was open on XX/XX/XXXX with XXXX XXXX XXXX of a credit limit of {$1000.00}. A purchase was made for {$980.00}. I would like to report fraud. I did not open this card or make a purchase. On XX/XX/XXXX I got bank statement I contacted the credit card company to let them know that I didnt not open this account or made any purchases. I also contacted Trans Union to dispute this action
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$8400.00XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$8400.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$530.00} XXXX XXXX XXXX  XXXX Account number XXXX Date XXXX XX/XX/XXXX Open/closed Closed Balance {$8400.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$530.00}
Product: Vehicle loan or lease

In late XX/XX/XXXX I purchased a XXXX XXXX at XXXX XXXX XXXX and financed through Ally Financial. Later I re-financed the same vehicle with XXXX XXXX XXXX in XXXX CA. On XX/XX/XXXX a check was sent to Ally from XXXX XXXX. The check was sent to Ally Financial at XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX Kentucky XXXX. The check was sent XXXX Mail. Tracking number is XXXX. The amount of the check is {$17000.00}. This should have closed my account with Ally. In the Transaction History on XX/XX/XXXX, only {$73.00} was applied towards the loan. This is a HUGE MISTAKE!!! I have called customer service and sent secure messages on the Ally Website numerous times since XX/XX/XXXX, and was told that they could not locate a copy of the check that was sent from XXXX XXXX XXXX and continued to harass me for more money when the loan was already paid off by XXXX XXXX XXXX. I spoke with a representative from XXXX XXXX XXXX XXXX XXXX and received confirmation that a check from XXXX XXXX XXXX was sent to Ally Financial in the amount of {$17000.00} and the Check was Posted on XX/XX/XXXX, XXXX. This should have XX/XX/XXXX Out my Account with Ally. Since then I have been getting numerous phone calls and e-mails requesting payment from Ally Financial. I would also like to add that TWICE I was told by representatives of Ally Financial a copy of the check was located and the problem would be resolved. First, I spoke to XXXX XXXX, an Ally Representative, on XX/XX/XXXX and he told me he was able to locate a copy of the check and the account would be restored and me and my wifes credit rating would be restored. I still would receive calls from the Collections Department at Ally Financial demanding payment. On XXXX, XXXX, I check my account on-line and realized nothing was done. My Account was still showing that payment was past due. I contacted Ally Financial on this day and spoke to XXXX XXXX and she informed me that payment was past due. I told her about my situation and I also complained about the Secure E-mail site and how numerous time I would get the same message We can't complete your request right now. Try again later or contact us for help '' and unable to upload another copy of the check sent from XXXX XXXX XXXX. I requested to speak to someone above her as this problem still had not been resolved. I received a call from someone who identified herself as XXXX from XXXX and she told me the same thing XXXX XXXX told me back on XX/XX/XXXX that the check was located and it could take 7-10 business days to clear this up. As of today my account still shows that I now owe {$17000.00}. On XX/XX/XXXX I received an email threating to repossess the vehicle. This is going too far and needs to stop. If Ally does repossess the vehicle I will contact the District Attorneys Office here in XXXX XXXX to file Grand Theft Auto Charges.
Product: Credit card

I observed that there were excessive amounts of interest being applied to the account and charged to the amount of XXXX percent after a recent security breach at XXXX charged almost XXXX to another card. In the past 18 months alone, capital one has charged over {$2500.00} cents of interest and 2 late fee penalties. It was requested for the bank to return the interest and they informed that they would only provide XXXX dollars of interest. It was demanded that they provide the proof of authorization for the increase in fees and dates. The bank indicated that there was a merger and this account began increasing with market adjustable rates several years prior. 

The consumer informed that this excessive increase was not explicitly authorized or approved. The consumer asked for the accounting statements, the interest accounting ( compounding, monthly, daily etc. ), the agreed upon terms and conditions, and the signed contract between both parties. They refused and became rude and argumentative and then the consumer demanded the account to be closed. Capital one refused to close the account unless the consumer verbally agree to their terms and conditions that were never agreed upon in the first place. The account continues to bill interest at XXXX percent and the bank has refused to provide mailing correspondence for their legal department so that a written notice could be sent. Capital one admitted that they had been increasing the rates since a merger over 2 years prior and that the consumer never agreed to increase in interest rates. The consumer has since paid the balance plus the illustrious interest in to the amount of XXXX dollars. There is a XXXX dollars of interest this year alone that continues to accrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed below were unfamiliar to me. Therefore, they are all unauthorized to pull my credit report. These issues were addressed to both Creditors and TransUnion but until now, I have not heard any feedback from them. They have failed to comply with the FCRA law 's rule. 

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

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance Owed XXXX {$2500.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX
Product: Debt collection

I am disputing this unknown collection account as it does not belong to me. The account for SOUTHWEST CREDIT SYSTEMS, the account number is XXXX and the account is fraudulent and not my responsibility. I have never purchased this vehicle, never applied for financing for this vehicle, and have no connection to this debt. I request a full investigation and complete removal of this account from my credit report. Ive asked XXXX and XXXX multiple times And attempted to delete this information. Please investigate and remove this fraudulent account from my credit report immediately Thank you for your assistance
Product: Mortgage

I had started a streamline refinance back in XX/XX/XXXX and have been rescheduled 3 times for various reasons. Everytime I have gotten a date as the date approaches who ever I e been dealing with disappears into thin air and the closing date comes and goes and I'm left with no answers.
Product: Checking or savings account

On the  XXXX   XXXX   2016,   XXXX  $ were debited on my account on a ATM with the code of my card in  XXXX   XXXX .   First of all, I had my card with me the before and the day it happened. I have never been to  XXXX   XXXX  and I do n't even have my driver licence and I ca n't rent a car.   I was at m y   XXXX    school this day, and I have a letter that certifies that I was in  XXXX   XXXX  this day.     After few reflexions, I think what happened was that I 've been to an AT M ( w here I 've been few times ) and this ATM copied my data ( the number of the card and the code ) and copied the card with the number and the code.     I had explain this many times to Bank of America, by phone call and letters and they always said that my case ca n't be refund because they have the number and the code of my debit card.