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

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Re : Account # XXXX To whom it may concern : This letter is being sent to you for VALIDATION OF DEBT ON THE ABOVE REFERENCED ACCOUNT as noted in my Credit Bureau Report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a verification or proof of my mailing address, but a response for VALIDATION made pursuant to the above names Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : *What the money you say I owe is for ; *Explain and show me how you calculated what you say I owe ; *Provide me with copies of any papers that show I agreed to pay what you say I owe ; *Identify the original creditor ; *Provide that the Statue of Limitations has not expired on this account ; *Show me that you are licensed to collect in my state ; *Provide me with your license numbers and Registered agent At this time I will also inform you that if your offices have reported invalid information to any of the 3 major Credit Bureaus ( XXXX, XXXX, XXXX TransUnion XXXX this action may constitute fraud under both Federal and State Laws as well as, *Violation of the Fair Credit Reporting Act *Violation of Fair Debt Collection Practices Act *Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Also, during this validation period, if any action is taken which could considered detrimental to any of my reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated or verifying and account as accurate when in fact there is no proof provided that it is.

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed form my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with and third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. 
It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records ; any information obtained shall be used for that purpose. 
Best regards, Certified Mail Return Receipt
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX, I had an appointment with my local Wells Fargo branch to wire money from my savings account to another financial institution. I have also been victimized to a recent cybercrime incident that I wanted the bank to be aware of since I withdrew my funds from this particular branch. When the banker sat me down, I had asked what XXXX protocols on customers who pull out large amounts of cash. She said as long as we ID you, you are able to withdraw any amount you wish. I then told her of my incident on XXXX XXXX, XXXX. I came into the branch that day and asked the teller to withdraw XXXX from my savings account. I was being held XXXX on the phone with scammers. These criminals had put malware on my laptop, blocked my XXXX protection and put XXXX  XXXX on my device. They said there was an authorized pending XXXX charge to XXXX that was getting ready to hit my account. They said the only way to save this transaction from happening was to create a duplicate charge via digital currency. These scammers had actually called the XXXX XXXX # so I had thought I was talking to a XXXX Fraud agent, but it was another scammer in the group. Back to my visit on the XXXX, my purpose there was to wire my money to another bank and to tell them about the XX/XX/XXXX incident including how these scammers really call the XXXX XXXX # as a part of their scam to make it all more credible. When I told the banker what happened, she went and got the Branch Manager. Branch Manager comes over and I asked the same question about what procedures does Wells Fargo have when large cash withdrawals are made. She said the same as the banker. I then begin to tell her my cybercrime incident. She starts to ask if I called the police yet. I told her it's been 6 weeks since it occurred, I've notified multipole law enforcement agencies. I just now had the courage to come back into this branch and tell my story. She defends by telling me her tellers did nothing wrong and that large cash withdrawals happen all the time in XXXX, AZ. I replied, so are people withdrawing XXXX all the time here and he reply was yes. I had attempted to tell her how these scammers call the XXXX # and how it's a part of their script. She continued to defend her store and how no one did anything wrong. I asked why no one offered to sit me down or offer a cashier 's check instead of cash ( the tellers asked what I was buying, and I had said a car ). Unfortunately, she emotionally triggered me, and I was crying hysterically. I couldn't talk to her anymore and asked her to leave me with the banker. My banker said she now understood why I asked about their protocols and gave me her XXXX box. The banker completed out my wire transfer. She was very empathic and kind. She was the only pleasant part of this experience. I did find out a few days later that my banker opened a compliant incident on my behalf to Wells Fargo. I currently have a case open with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX, XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX/XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX  XXXX never late XXXX XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX XXXX {$94.00} not mine XXXX XXXX  IN XXXX not mine XXXX   XXXX XXXX XXXX {$280.00} not mine
Product: Credit reporting or other personal consumer reports

FTC Report Credit Card Opened by the Thief : Company or Organization : XXXX XXXX Date Fraud Begin : XX/XX/XXXX & XX/XX/XXXX Company or Organization : XXXXXXXX XXXX  XXXX Date Fraud Begin : XX/XX/XXXX & XX/XX/XXXX Company or Organization : XXXX XXXX  XXXX XXXX 
Date Fraud Begin : XX/XX/XXXX Company or Organization : XXXX XXXX Date Fraud Begin : XX/XX/XXXX
Product: Debt collection

Last year I discovered a false account with Capital One reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but Capital One denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but Capital One refuses to stop reporting. Please investigate and help me resolve this issue. There is no way XXXX willing to pay a debt that is not mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
XXXX. The date you contacted the individual funishers of information. 
XXXX. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law
Product: Student loan

Constant getting called while I work Monday -Friday early morning I am in the process of building my credit but I do not know where to start. Left school for a little bit the loan went into default I went back to school to finish. And recently graduated not even a month after I get crazy calls. It really getting annoyed with this.i would like to figure out a way to pay it but Im still in my grace period.
Product: Credit card

On XX/XX/, I paid American Express account number XXXX, the amount due of XXXX leaving a XXXX balance. On XX/XX/, I received a bill for XXXX for interest on Purchases on XXXX/XXXXXXXX XXXX  XXXX ) and Introductory Purchase Rate Expired XXXX  ( XXXX ). Total XXXX
Product: Credit card or prepaid card

My name is XXXX XXXX and I am sincerely asking for your assistance in this matter. My Wife XXXX had used a Capitol One Credit Card in XXXX and I had just lost my job after 36 years and she was not working. It was an extremely hard time for me and my family. 
We had to pay rent, buy food and support our family. In XXXX we received notice of garnislhier her salary at her new job. 
Capitol one notified the Sheriff office in XXXX XXXX NY and issued an income execution ( Sheriff file XXXX ) ( Court Index XXXX ) We were contacted and asked how much we can pay. I informed them {$100.00} a month. My Wife has been sending $ XXXX from that point on and never missed a payment. She has paid {$8400.00} to the Sheriff. The Notice we just received from the Sheriff office stated she still owes {$46000.00}. How is this possible on a credit card that less than {$10000.00} originally owed. This is all interest????? How is this allowed.. 


I need assistance in this matter. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account : XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT IS A ERROR XXXX, XXXX MISSING INFORMATION. 
THIS ACCOUNT WAS NEVER VERIFIED ERROR FRCA 623 VIOLATION PLEASE DELETE UNRECOGNIZED ACCOUNT.
Product: Credit reporting or other personal consumer reports

Cardinal Financial has reported a XXXX  day late payment on a mortgage that was not late and was paid off. Can't have a XXXX day late payment in XXXX days. Payment would have been late after the XXXX of XXXX and was reported paid in full closed in XXXX. Not even XXXX days later but won't fix or remove from report.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there 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 shall- ( i ) 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 ; andi ) 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Number : XXXX Case Number : XXXXXXXX XXXX XXXXXXXX I have found several inaccuracies and unauthorized inquiries on my XXXX consumer report. I would like each of these in accurate injuries of information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA.

These concerns must lawfully be addressed within the next 15 days. in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Account information XXXX XXXXank Account number XXXX Account charged of collection 30 days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX 60 days late 90 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account information XXXX XXXX Account Number XXXX Status Account charged off. {$130.00} written off. {$130.00} past due as of XX/XX/XXXX XXXX XXXX  must be removed from my XXXX and all other versions of my consumer report My name is XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX XXXX XXXX for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX, XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX, XXXX, continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX, XXXX, shall be liable for violations of TILA, FCRA, GLBA,, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant. Your prompt attention and response are both requested and required
Product: Credit reporting or other personal consumer reports

I received an alert from XXXX that my XXXX was on the XXXX web. I logged in and read the alerts. They said I should file a fraud alert with Experian. The Experian site kept timing out and I had to try multiple times before I got a message that I have to print a form, fill it out and send it in. Filing a temporary fraud alert is supposed to be fairly easy to do. It certainly was with XXXX and XXXX. My complaint is how difficult Experian is to file a fraud alert with. 

Thanks
Product: Credit reporting or other personal consumer reports

I wrote to Experian letting them know the information on my account is incorrect. 

Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Phone Number : XXXX Correct Phone Number : XXXX Lastly, I would like to inform you that my current employer is XXXX XXXX XXXX. 

However the information still exists on my credit profile, making it difficult for me to clear backend screening for a job application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report:XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX UNIVERSITY XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, I sent an email to my relationship manager showing all the documents ( quit claim deeds ) as to who the ownership of this home belonged to. 
The house was sold in XX/XX/XXXX. 
SPS sent escrow checks back to me HOWEVER, they made them payable to the deceased person, PLUS the person who was on the loan at one time, and taken off the title. 
I have asked them to reissue these checks into MY NAME. I am the owner of the property, and I received a letter stating they received my inquiry and I will have an answer in 60 days Well its much more than 60 days, no answer When I called and I spoke to the lady she said my request was received XX/XX/XXXX and it is not 60 days. I told her its MORE THAN 60 days its XX/XX/XXXX. She put me on hold and NEVER RETURNED to the telephone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed American Express charge off on my XXXX  report. I have disputed this countless times and the dates change and is inconsistent. All our personal data was breached by the lack of security of XXXX. We have disputed this charge off for years and there is misrepresentation by American Express and XXXX. We placed a fraud alert right away when we noticed charges and XXXX and American Express are still not doing their part and making this right! You would believe that the largest credit reporting agency would be above all others in ethics and practice ; however, not XXXX. The charge off should have been removed as the other ones have been removed. The victim should never continue to be victimized. Its contrary to the law and humanity.
Product: Checking or savings account

At the beginning of XXXX I took a copy of my aunt 's ( XXXX XXXX ) Durable Power of Attorney to the Citizens bank located at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, NJ XXXX to be added as a signer to the account as per her wishes. I was told by the bank XXXX that they could not accept a copy of the document, and I'd have to bring in the original. My aunt is bed bound with XXXX  XXXX and can no longer go to the bank in person. 
On XX/XX/year> I took the original copy of the Durable Power of Attorney to the same branch and was told by the bank XXXX this time that their legal department claimed the document wasn't valid. I asked for specific reasons why and was told " They only gave me very broad answers, but your attorney should know why it's not valid, and it's your attorney that is going to have to tell you why. '' I explained that the document was created by an attorney, but to no avail. 
The POA documentation is signed by my XXXX and myself, names me as her designated POA with full decision making for all financial decisions and is notarized with a raised seal and stamp by the XXXX of Pennsylvania. 
The bank still has a copy of the document which they made from the original at the branch.
Product: Debt collection

Received several phone calls at home around XXXX-XXXX. Upon answering, the caller just hangs up. This morning, I called the number shown on Caller ID ( XXXX, no area code ), and a woman named XXXX ( refused last name ) said she was from American Medical Collection Agency and was calling due to an outstanding bill for my husband ( XXXX ) from XXXX XXXX on XX/XX/XXXX. She wanted a payment today, and I said we have full insurance coverage and this should have been paid by insurance. She said it was not, and she said this will " hit '' his credit if it was not paid today. I said I have never received any written notice of this debt, and she said if I would provide my email, she would email the notice. I said since I do not know who you are, I am not providing an email to you and you need to send written notice of this debt to my mailing address - of which she had. She again said that this would " hit '' his credit report if I did not agree to payment arrangements today. I said send it to me in writing, and I will send it to my insurance company for review. I also told her about the timing of the calls, as well that they were just hang-ups without any person on the line, and she said she would notify her company. I informed her to cease and desist with all calls before XXXX my time. When I requested her company information, she provided the following : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX XXXX XXXX XXXX NY XXXX
Product: Mortgage

The current mortgage company " freedom mortgage '' considers my payment late if they process the payment after the XXXX. I use online bill pay to pay my account and the payments are set and post marked well before the XXXX, but because it is processed after the XXXX, by the company itself, they consider this late and I am charged a fee. The processing of the checks is random. One was on or around the XXXX another was on or around the XXXX. It seems they are applying a late fee because they process this late and not use the post marked date. One employee mentioned that during training they are told to go by the post marked date, but on the floor, was told to go off of the date he has it. I can not control when they process the check I can only control when I request the check be sent. This seems very unfair. Because of this I have had to pay multiple late fees.