23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I lived in XXXX XXXX Apartments from XX/XX/XXXX to XX/XX/XXXX. I moved out prior to my roommate. I was told by the property manager, XXXX, to leave the keys with XXXX since she was still living there. When I left the apartment, it was in perfect condition. A few months later, I receive an email from XXXX XXXX stating my roommate and I owe {$2.00}. XXXX for move out damages and signing a new lease. I never signed a new lease nor caused damages when I moved out. I called the company and the new property manager said there was proof attached to that email. All that was attached was the old lease which expired in XX/XX/XXXX so according to the leases terms I was on a month to month. There were NO MOVE OUT PICTURES or a lease attached. They sent my name to Columbia Debt Recovery who harassed me with phone calls and threatened to destroy my credit when I said there was no merit to this debt. He even asked where i can find my roommate. I filed a complaint with the BBB and nothing happened. The new property manager has not been helpful and I filled a dispute through XXXX. After I filed the complaint they changed the amount to XXXX. XXXX instead of XXXX. I would like my name removed from this debt and it taken off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WRECKED MY CAR ON XX/XX/XXXX. I DECIDED TO GET A NEW ONE. I WAS DENIED FOR FINANCING I OBTAINED A COPY OF MY CREDIT REPORT FROM EXPERIAN.COM ON XX/XX/XXXX ( ATTACHMENT A ) UPON REVIEW I NOTICED SEVERAL ERRORS ON MY REPORT. I THUS DID CONSUMER RESEARCH AND FOUND I HAD RECORSE BY CONTACTING THE BUREAU AND FILING A DISPUTE. I COMPILED ALL THE ERRORS I HAD ON MY REPORT, PERSONALLY CRAFTED A DISPUTE LETTER ( ATTACHMENT B ) AND SENT THEM TO EXPERIAN VIA CERTIFIED MAIL ON XX/XX/XXXX EXPERIAN RECEIVED MY DISPUTES ON XX/XX/XXXX. ( ATTACHMENT C ) ACCORDING TO FEDERAL LAW ( FCRA ) AND STATE LAW ( LOUISIANA REVISED STATUTES TIT. 9, 3571.1. ) THE CREDIT BURUEA HAS 30 DAYS FROM THE DATE OF THE DISPUTED INFORMATION TO VERIFY ITS ACCURACY WITH THE DATA FURNISHER AND UPDATE THE REPORT. 
ON XX/XX/XXXX EXPERIAN WROTE ME A LETTER SAYING THAT MY DISPUTES WERE NOT INITIATED BECAUSE THEY THOUGH THAT MY DISPUTES WERE NOT INITIATED BY ME. I RECEIVED THE LETTER ON XX/XX/XXXX ( ATTACHMENT D ) I ATTEST THAT ABSOLUTELY NOTHING IN MY LETTER COULD REASONABLY GIVE RISE TO THE SUSPICION THAT IT WAS NOT SENT BY ME. THE CLASSIFICATION OF MY LETTER AS " SUSPICIOUS '' IS AN INCREDIBLE STRETCH OF THE TERM. EXPERIAN HAD NO QUALMS GRANTING MY REQUEST FOR A COPY OF THE CREDIT REPORT THAT GENERATED THE DISPUTE WHEN GIVEN THE EXACT SAME IDENTIFICATION INFORMATION. I DID IN FACT WRITE THE LETTER IN QUESTION WITHOUT ASSISTANCE FROM A THIRD PARTY. I DEEM THAT THIS IS AN ATTEMPT TO CIRCUMVENT THE STATUTORY INVESTIGATION PERIOD DEFINED BY THE FCRA AND LOUISIANA REVISED STATUTES TIT. 9, 3571.1.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



Re : Dispute of Collection Account # XXXX Dear Sir/Madam, I am writing to dispute the collection account referenced above. I believe that this collection account has been placed on my consumer report in violation of several federal regulations, and I request that you immediately remove it from my credit report. 

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Your agency has failed to provide the required validation information for this debt. According to 12 CFR 1006.34 ( b ) ( 5 ), you are required to furnish detailed validation information before reporting this debt to any consumer reporting agency. 

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given an opportunity to dispute this account. Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers must be given a reasonable period to dispute the validity of a debt before it is reported to consumer reporting agencies. 

False and Misleading Representations : Your agency is in violation of consumer rights by using false, misleading, and deceptive means to collect this debt. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) : Your agency has no authority to furnish information about this account to any consumer reporting agency without providing all the required disclosures. By failing to do so, you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). 

In light of these violations, I demand that you immediately : Remove this collection account from my consumer report. 
Cease all collection activities related to this account. 
Provide me with written confirmation that this account has been removed from my consumer report. 
Please treat this letter as a formal dispute of this debt under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Failure to comply with these requests will result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal action. 

I appreciate your prompt attention to this matter and expect a response within 30 days. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I'm getting XXXX out of {$140.00} by discover. 

I called discover customer service in late XX/XX/XXXX to clarify how to process a price protection with my card for a couple of TVs I wanted to purchase. I was told I would only need my receipts, a billing statement, and an advertisement for the lower price. Limit XXXX  per transaction and limit XXXX  per year. So this will work for me because I was going to make two separate transactions and submit two separate claims because one was a gift. 

After filling out the forms, waiting a month and seeing my " approved '' requested amount for {$320.00} x2 with their price protection view portal I received a check for {$320.00} & {$180.00} ... 

I called discovers customer service again who transferred me to a completely separate company who handles their benefits who now told me that there is also a limit of {$500.00} per day. 

I then ask where I can view the full terms of service as it wasnt on their website when you login, the only thing there is FAQ and another spot detailing the service but nothing about a XXXX per day limit. 

I asked the company if I could return the TV using the return protection that discover offers and they told me that I can't because I had already used price protection on the TV. 

I asked to speak to her supervisor because she keeps mentioning him, and asking him questions about my claim. She puts me on hold for a minute and comes back on and says I can do the return gaurentee but it has to be mailed back to them new in box. Then asked if there is anything else she can do like I didn't ask to speak to her supervisor. 

I never got my other XXXX  dollars
Product: Credit card or prepaid card

Please do not block the name XXXX XXXX because ultimately, this complaint about Barclaycards involves both parties. On XX/X/17 A payment posted to our credit card for XXXX XXXX Plus Membership totaling {$49.00}. The credit card previously did not have a balance but with this was a {$25.00} late fee that we did not understand either. We immediately called the cc company because we have been trying to break our ties with the timeshare pyramid. For about 15 min I tolerated the representative telling me that there was no way she could reverse the charges and how I would have to get in touch with XXXX and find out why those charges were made. REALLY??? How I would have to submit some form regarding a charge dispute that could take up to 45 days. No Way I 'm not paying and if i didnt, I get late charges and interest and who pays that? You do ma'am. After the second demand to let me speak to a manager I finally spoke to XXXX. She too insisted that she could not refund the money. So I informed her that I was aware of the scam that was running between them and XXXX. It starts from the sales pitch when the strongly encourage you to get the c with Barclaycards to take adv of the reward points to use towards maint. fees. You guys work together and when XXXX cant get money from people that refuse to pay another fee for something they ca n't use you guys provide them a way to get it. Then, just like that my money was refunded, the {$25.00} late fee was waived and the acct was closed like we asked. I then asked for documentation that the fees were reversed and that all of it would be forwarded to the fraud department. There /was no way she could provide any documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : US SM BUS ADMIN ODA Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Payday loan

{$4000.00} I rec 'd a Loan online from Cash Central in the amount of {$1500.00} on XX/XX/XXXX. This was to be an installment loan which was for 18 months, per my attached paperwork. It is now XX/XX/XXXX and they say that my balance is still {$1400.00}. The loan is to paid in XX/XX/XXXX in full. I contacted them and they now tell me that I have another 16 months to pay. I have all confirmations from this company as far as them receiving my payments since XX/XX/XXXX. I have been paying them {$300.00} per month. The total paid to them as of the end of the loan will be {$5500.00}. I do not believe that they are licensed in my State. I had asked in a previous email but they never responded. Please step in and let me know exactly what I should do. I do not intend to pay after the end of the loan. 
Thank you, XXXX XXXX
Product: Credit card or prepaid card

I purchased a pizza on XXXX  for delivery on XX/XX/XXXX. Pizza was never delivered. I sbmitted a complaint on the website and did not a response. I call the bank and multiple times and they did not assist.
Product: Credit reporting or other personal consumer reports

There is a collection being reported on my credit report byt XXXX XXXX XXXX that is inaccurate. I have contacted all three bureaus twice and still have not received the documentation that I requested. I have also contacted the Creditor and have not received verification of this debt. This is an inaccurate debt that was originally reported by XXXX XXXX XXXX XXXX, where I never lived. I have also tried to contact XXXX XXXX XXXX and they can not help me.

Please see the attached documents of letters I have sent to the credit bureaus as well as a letter I sent to XXXX XXXX XXXX. 

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 {$5900.00} Original Creditor : XXXX XXXX XXXX XXXX Act. # XXXX Opened XXXX Reported Equifax : XXXX Balance {$5900.00} Original Creditor : XXXX XXXX XXXX XXXX  Act. # XXXX Opened XXXX Reported Unknown Condition XXXX : XXXX XXXX XXXX Balance {$5900.00} Original Creditor : XXXX XXXX XXXX XXXX Act. # XXXX Opened XXXX Reported Closed Condition I have been working on this resolution since XXXX and it is having a severe negative impact on my life. THIS IS INACCURATE!!
Product: Checking or savings account

On XX/XX/XXXX, an LLC issued me a check for {$7000.00}. 
After depositing the check via the Chase Mobile App, I was notified that my account would be restricted while Chase attempted to verify the validity of the deposit. I did not have access to either my checking or savings accounts while the verification process was occurring. Without warning, Chase closed my account after two weeks of restrictions. 
I was able to reinstate my account and a Chase customer service representative was able to verify the validity of the check with one of the business co-owners via their home phone number. I was told that in one week I would have access to said funds, however, since my account was closed previously, I would receive a cashier 's check in the mail for the total amount. After two weeks, I called regarding the funds I was told would be mailed to me and Chase told me that " Since the individual could not be associated with the business via the Department of State website, the deposit could not be verified and would remain in a holding position. '' So I began the verification process again. Again, they told me they could not verify the funds because there is no registered phone number for the business, at least not in their database. I once again gave them the personal phone number of the primary owner of the LLC, in which they told me they were able to successfully verify the deposit and I can expect a transfer of funds in the coming week. 
Again, after two weeks I spoke to Chase regarding the missing funds. Again, they informed me that the request to lift the hold was denied because they could not verify that the phone number used to reach the owner belonged to the LLC. They recommended I reach out to the LLC and have them register a phone number with the business.

I contacted the owners of said LLC as well as their issuing bank regarding this payment and requested a stop payment on the check. However, since Chase has already processed the deposit, the funds have left the issuing bank and a stop-payment is no longer an option. 
In a final attempt, I was able to acquire a copy of the owner 's IRS form SS-4, establishing his name and number with the business and an associated EIN. I attempted to provide Chase with a copy, however, they refused ; saying they can not accept supplementary documentation and this verification process must be done over the phone. I had already provided them with three separate phone numbers- one for both owners and their banker 's phone. None of these were accepted by Chase 's Secondary Review Team.

At this point, the business owners are missing {$7000.00}, and I'm missing {$7000.00}. Chase refuses to honor the multiple verifications already completed and is keeping the funds in a holding position after telling me multiple times that the process was completed and I could expect to gain the funds in a short time. Chase recommends verifying the check with the LLC 's personal banker, however I can not provide them with a phone number to call and they refuse to take a call from said banker, quoting their verification policies.
Product: Debt collection

Congress Collection put a debt on my report and I sent them a copy of the letter sent to me from the creditor staying this is not my debt. I left with my account paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

Legal Department, XXXX  has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. Equifax  has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. Equifax  failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act states that all the information on a person 's credit report should be a 100 percent accurate, For more than a year now we have been disputing with Experian the accuracy of an account that is been reported on my credit report. I informed this credit bureau that the XXXX XXXX XXXX account that is reporting on my credit report is reporting in accurately. We asked them to delete the account from my credit report due to inaccurate, missing account and payment information. We also asked them to delete XXXX XXXX XXXX from my credit report as they violated my rights under the Fair Credit Reporting Act as they have not provided me with there method of verification proving that this account is reporting accurately on the account and that they did indeed investigate my dispute. The request for there method of verification was received by them on XX/XX/2021 and to this date they have NOT provided me with there method of verification IF THIS CREDIT BUREAU FAILS TO DELETE XXXX XXXXXXXX XXXX FROM MY CREDIT REPORT THEN I WILL FORCED TO TAKE LEGAL ACTION AGAINST THIS CREDIT BUREAU TO RECOVER DAMAGES. 
THIS IS THE FINAL WARNING TO THIS CREDIT BUREAU TO FIX THIS ISSUE. I have a copy of all the credit reports and disputes sent in and the response from the credit bureau. If this account is not deleted from this credit report then i will be forced to take legal action of
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX : Account number : XXXX XXXX  : Account number : XXXX XXXX : Account number : XXXX, XXXX XXXX  XXXX Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX XXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my documentation to TransUnion and they keep telling me that the information is verified but they have not provided proof by way of documentation to show that this my actual debt
Product: Credit reporting 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. 

Dept of EducationXXXX has all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, {$24000.00} This does not belong to me XXXX XXXX, XX/XX/XXXX, {$1200.00}, This does not belong to me XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. This does not belong to me. 
XXXX XXXX XXXX XXXX XXXX, This does not belong to me. 
XXXXXXXX XXXX XXXX  XX/XX/XXXX. This does not belong to me. 
XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$36000.00XXXX XXXX XXXX XXXX XXXX XXXX {$96.00} XXXX XXXX XXXX XXXX, {$10000.00}, XX/XX/XXXX. Does not belong to me.