23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX RE : Fraudulent Opened Account Under 15 U.S. Code 1681c2 you are in violation for reporting a fraudulent account on my credit report. I demand this account to be removed within 4 days of receipt of this letter.

Under 15 U.S. Code 1681s2 you are in violation of Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute. You failed to 100 % investigate this fraudulent account because I contacted the furnisher about fraudulent opened account, and they stated my information doesnt match which is identity theft and they do not participate in providing dispute notice to credit reporting agencies. If you believe this is false I demand you send me a complete investigation report from the furnisher directly with their letterhead on it showing the method of verification. 
I demand these items be removed from reporting on my credit report immediately. I also demand a credit report showing the removal within 30 days after removal. 
1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX 3. XXXX XXXX Bankruptcy Case Number : XXXX 4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX 6. XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX 8. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX Sincerely, XXXX XXXX
Product: Debt collection

My car has a transponder, I went through a toll out of state ( MD ) on XX/XX/XXXX. I thought the toll was paid through the account set up through the transponder. I received no bill until XX/XX/XXXX, so I had no opportunity to pay the toll in a timely basis, and was not aware that the transponder account did not pay the toll. Now I am informed that I need to pay at {$25.00} late fee for a {$4.00} toll. I think it's totally unfair to be charged a late fee for a toll I was not informed of earlier.
Product: Credit card or prepaid card

In XX/XX/XXXX, I took advantage of the Promotional Offer on my credit card from Bank of America. The offer said " Save big your way '' in large print at the top. It provided a variety of examples of how you could use the funds : you could consolidate debt ; repair your car ; funded planned or unplanned expenses ; improve your home ; pay individuals. 

There were 2 checks provided to take advantage of the offer. Check # XXXX ( Offer XXXX ), which I used, offered 0 % interest until XX/XX/XXXX. Check # XXXX ( Offer XXXX ) offered 1.99 % interest until XX/XX/XXXX. 

Each option included " A 4 % fee applies to each transaction, {$10.00} min. '' So, using Check # XXXX, I wrote and deposited the check for {$26000.00} to my checking account. I needed the funds for a number of the purposes they listed, and others, so writing one large check was way more practical. 

I set up automatic payments of {$500.00} per month and paid off the balance in XX/XX/XXXX. In the payoff process, I discovered that they had charged me {$1000.00} for the transaction fee and {$3300.00} in interest during those 10 months. 17 % in 10 months, rather than 0 % for a year. 

When I called to clear up the problem, I talked with several people and sent a copy of the promotion. After about a week, they pointed to the very finest print at the bottom of the page which states " Direct deposits or Checks made payable to self of cash are not eligible for these offers. '' This seems highly deceptive and I was disappointed in their response, especially since I've been with their bank, or predecessor XXXX XXXX, for 41 years. Maybe its time to find new bank. 

" Save big your way. '' in bold print at the top. Small print exception at the bottom. Is this a good way to do business? 

Thanks for your time. I would like to send a copy of the promotion if possible.
Product: Credit card or prepaid card

In XX/XX/2018 American Express failed to collect my online payment for my account. I have just learned of this since I am applying for a mortgage and this is negatively affecting my credit score. 

I spent over an hour on the phone with different representatives trying to get this cleared up and I was provided inconsistent information by three different representatives. 

The first told me they didn't have data going back that far to check, the second told me that they did in fact have the data and that the data was correct and the third told me that the only way for me to escalate my complaint was to send a letter to Amex.
Product: Bank account or service

I received an email on XXXX/XXXX/2015 saying Chase bank experienced some potential fraud and as a precaution they were sending me a new card. While waiting for the new card I continued using my old one. On XXXX/XXXX/2015 I went to withdraw money from the ATM to pay my rent and the ATM prompted me to call the bank in which I did. I was advised that the card had been deactivated and I should have already received my new card. The agent I was speaking to verified my address and advised me to check my mail box. XXXX which I do regularly ) After checking my mailbox and not finding the card there I rushed back to the bank and had a teller withdraw {$400.00} from my account. I then went home and called the bank again and advised the situation this agent then asked me to verify my address also and said the wrong address was on file. I advised the agent my address should have been the same address I have had on my account for the past 2 years. I also advised I just spoke with an agent earlier who confirmed my address through verification. The agent then updated my address and advised he would " rush deliver '' my card to me which would take 48 hours. It is now XXXX/XXXX/2015 and I have not received anything. I work Monday through Friday XXXX to XXXX. I rarely have time during the week to make it into a branch to withdraw money. I have 4 checks I need to deposit into my account but b\c of this inconvenience have not b\c I do n't have ATM access and have been forced to deposit them into my girlfriends checking account. 65 % of my paycheck is deposited into this account so needless to say this ordeal has been one of the worse inconveniences I have dealt with from ANY bank. I get paid Friday XXXX/XXXX/2015 and will have to go out of my way to go into a branch to withdraw majority of my money to keep from going back. I am a man with small patience and closed my XXXX XXXX XXXX account for inconveniences as such and although I may not be valued as a customer here I am sure another bank will value me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. 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. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : XXXX # XXXX, US DEPT ED # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I started reviewing my credit reports from the following bureaus XXXX, XXXX, and Experian. As I began going through my report I notice a good amount of discrepancies on my credit report. As I began to get some of the items corrected and removed from my report, I notice that some inquiries were made that I did not authorized. These unauthorized inquiries are causing my credit score to be affected. 

The inquiries that I am referring to are XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX
Product: Credit card or prepaid card

On XX/XX/2020, my wife and I visited a beach restaurant on the island XXXX in XXXX and we had a small lunch. Beach restaurants on XXXX  often require their guests to hand over their credit card when entering to reduce the risk of patrons absconding without paying. After our small lunch ( six oysters and two glasses of prosecco ), before we even received the bill, the waiter handed back my credit card and a credit card slip that showed a charge of XXXX Euros  equating to a charge of US {$1100.00}. This was possible because the restaurant used the contactless payment feature of the credit card which requires no PIN or signature. I obviously protested immediately and demanded reversal of this outrageous overcharge. They completely ignored me, and pretty much laughed in my face. So I immediately called my bank, HSBC USA, from XXXX. My bank advised me to dispute the charge when returning home, which I did a week later upon return to California. 
However, my bank, HSBC USA, treated this as a billing dispute and asked me to show them the restaurant bill. I explained to them several times that I never received a bill from the restaurant and that the charge should be considered fraudulent and that I never authorized this transaction. My dispute was simply declined because I can't produce the bill. 
I find it unacceptable that HSBC Bank USA allows contactless payment without any form of authorization for amounts as high as {$1100.00} where the merchant can grossly overcharge the customer and there is no recourse. Especially since I immediately reported this fraud by phone after it happened, on XX/XX/XXXX. 
This bad-actor merchant in XXXX seems to have figured out that they can fleece their tourist customers and that the bank will not take any action or responsibility for the risks this contactless payment exposes their customers to. 
In short : an unauthorized credit card charge, with no authorizing PIN or signature, for an amount as high as {$110000.00} that is immediately reported as fraudulent and disputed according to the bank 's processes, should be reversed and not charged to the customer.
Product: Debt collection

It's been going for years. Something about 3-2 years and daily. They even call me on holidays and Sundays. There are other numbers too that I believe is related to them.
Product: Credit reporting or other personal consumer reports

I checked my credit report and I found out that I had these hard inquires under my credit report. Please remove them! I have no accounts for them and I did not authorize them to be under my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX  I callled into Wells Fargo after paying my credit card in full to request a credit increase. My card was locked and they unlocked my credit card when I called and did not relock it. XX/XX/XXXX  several XXXX transactions and something called XXXX charged my account almost {$1000.00}. Wells Fargo didnt seem to care when I called they didnt even update my password when I requested account access be restricted. It turned out my card was hacked back in XXXX and I was charged a late fee because I had no idea I had a balance. I paid the {$25.00} late fee but knowing this was fraud and they decreased my limit on credit card.
Product: Mortgage

In XX/XX/2022 my mortgage company ( PHH Mortgage ) sent me a letter stating they did not have proof of insurance ( flood/wind ). I live in a condo. I contacted the XXXX  XXXX insurance rep who gave me the info to send in and she also sent the info in. PHH said they did not receive and purchased in insurance on my behalf in the amount of {$410.00}. I contacted PHH and condo insurance rep. We had a 3 way call and all insurance info was sent in once again. On XXXX XXXX PHH refunded me {$280.00} and on XX/XX/2022 PHH refunded me {$130.00}. In mid XX/XX/2022 PHH mortgage sent me a letter stating they do not have proof of insurance ( again ) and would be purchasing insurance on my behalf. I immediately contacted PHH and explained the above and waited on the phone while the PHH rep called the condo insurance rep and was told she sent the proof of insurance again and I would receive a letter letting me this. No letter has been sent to me and now PHH is calling me on the phone and asking for proof of insurance and threatening to purchase insurance on my behalf again. I am at my wits end. I do not know what to do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed unverified accounts with Experian. Experian is not investigating my disputes accurately! They have not provided me with any verification that proves this account belongs to me but refuses to remove the account. They continuously add unverified information to my account.
Product: Credit reporting or other personal consumer reports

I've never received a loan statement for a regulation Z violation.
Product: Debt collection

I received my credit report and seen a company reporting inaccurate information and according to the FCRA this is unacceptable. Ive never did business with this company Ive never spoken to anyone about this debt. Ive been apart of identity theft which is stated with the FTC along with all credit agencies. Im getting blamed for something I have no knowledge of.
Product: Debt collection

I have no knowledge of account. It shows XXXX but I havent had XXXX in nearly 10 years.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 already tried to dispute in XXXX XXXX and it was not accepted. I am receiving debt from my mother who lived at XXXX XXXX XXXX XXXX in XXXX, fl. I have not lived there since I was XXXX or XXXX, I am now XXXX and my mom moved out either last year or the end of XXXX. If they think I lives there its because I lived in XXXX  for a few years and when I moved back I didnt know my license could be revoked for not having a fl license. I didnt live with my mom but I also was just staying with friends at the time so she let me get notorized to use her address just so I could get my license back. I am not responsible for her apartment debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
WELLS FARGO CARD SER XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

I do not recall this account. This is identity theft. Where is the detailed purchases? Please provide the following : Re : Account Number : XXXX Subject : Debt Validation Request Pursuant to 15 U.S.C. 1692g To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt associated with the account number referenced above. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you validate the debt and provide the following information to confirm its accuracy : 1. The name and address of the original creditor.

I request clear identification of the original creditor and the full legal name under which the debt originated.

2. A full itemized statement of the debt, including the total amount and how it was calculated.

This should include any interest, fees, or other charges that have been added since the original balance, along with a breakdown of these amounts.

3. A full detailed list of the payment history on this account.

Provide all payments made, including the dates of payments and how each payment was applied ( i.e., principal, interest, fees, etc. ).

4. A copy of the original signature that I agreed to on the contract for this creditor.

I request a copy of the signed agreement or contract that establishes the original debt.

5. Proof that you have the legal right to collect this debt ( Chain of Title ).

Please provide the complete chain of title for this debt, including any and all transfers of ownership or assignment to your agency, demonstrating that you have the right to collect this debt.

6. Has any insurance claim been filed related to this debt?

Please inform me if there has been an insurance claim filed on this debt, and if so, provide details regarding any payments or settlements received by the original creditor or other entities related to this claim.

7. Verification that the statute of limitations for this debt has not expired.

I request confirmation of the date this debt was incurred and assurance that the statute of limitations has not expired. 
In accordance with the FDCPA, you must cease all collection efforts until this debt is fully validated. If you are unable to validate the debt, I request that you correct your records accordingly and cease any further communication regarding this account. 
This letter is not a refusal to pay, but a request for proper validation of the debt. I will need at least 30 days from receipt of your response to review and investigate the information provided. 
Please send your response to the address listed above. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been able to get a copy of my free credit report. I have to either purchase some form of fake credit protection, WHICH IS A MAJOR LAUGH, or I have to tell Trans Union what is exactly on my credit report. XXXX is always down and not function. All I want to do is get my free credit reports which I am entitled to by law and I want the right to print out my credit report. 

IT IS DUE TO THE ACTIONS OF THE CEOS OF THE CREDIT REPORTING AGENCIES THAT ALLOWED THE BREACHES TO HAPPEN. WE THE VICTIMS SHOULD NOT HAVE TO CONSTANTLY PAY FOR WHEN THE CEOS PLAY. 

I absolutely refuse to provide a copy of my drivers license or social security card or some other form of identification to prove who I am. These credit reporting companies should be investigated under the RICO statute due to the roadblocks they put up to keep the consumers from cleaning up the credit reporting agencies mess they created. 

I am a victim of identity theft already, so what more damage can be done to my credit report if I do not provide proof of my identity. I should not have to tell Trans Union what the XXXX is on my credit report since I don't know what is on it. I will say this and stay by what I am about to say. ISIS HAS MORE CREDIBILITY THAN THE THREE BIG CREDIT REPORTING AGENCIES. 

Click on this link and see what me and millions of people have to go through with the Credit Reporting Agency scams. 

XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Subject XXXX Request for Debt Validation Dear XXXX, XXXX XXXX XXXX XXXX I am writing to request validation of a debt that appears on my credit report. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These laws entitle me to request and receive specific documentation to verify the accuracy and legitimacy of debts reported on my credit file. The details of the debt in question are as follows : Creditor Name : XXXX XXXX XXXX In accordance with Section 809 of the FDCPA ( 15 U.S.C. 1692g ), I am requesting the following documents and information to validate this debt : 1. Original Creditor Information : o A copy of the original credit agreement or contract with my signature, showing that I am legally obligated to pay this debt. o The name, address, and contact information of the original creditor.

2. Detailed Account Statement : o A comprehensive statement showing the original amount of the debt, the current balance, and a detailed breakdown of any interest, fees, or charges that have been added. o A record of all payments made toward the debt, including the dates and amounts of each payment, and any adjustments or credits applied.

3. Verification of Collection Agency : o Documentation proving that the debt collector currently reporting this account is authorized to collect on this debt. This should include a copy of any assignment or transfer of debt documents from the original creditor to the current collector.

4. Evidence of Account Status : o Proof that the debt is within the statute of limitations for collection, as specified under applicable state laws. This includes the date of the original default and any relevant dates affecting the statute of limitations.

5. Confirmation of Reporting Accuracy : o Verification that the information reported on my credit file is accurate and that the debt is being reported by the correct party. This includes confirmation that the account details and status are correctly represented.

6. Dispute Resolution : o Information on the procedure for resolving disputes related to this debt if it is found to be inaccurate or unverifiable.

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account. If the debt can not be properly validated, please remove it from my credit report and notify me in writing of the outcome. 
Please confirm receipt of this letter and provide a written response within 15days, as required by law. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX