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

My current address is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. The following addresses are currently on my credit report and these are NON-MAILABLE addresses that must be removed!! 

Please remove these PERSONAL INFORMATION IMMEDIATELY FROM MY CREDIT REPORT FOR THEY ARE NON-MAILABLE ADDRESSES : please delete this CURRENT address for it is NON-MAILABLE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXX XXXXXXXX please delete this PREVIOUS address for it is NON-MAILABLE : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX is reporting this account as open and delinquent but this account is closed. It is known owned by a debt collector named XXXX which I am working with on this collection. XXXX is inaccurately reporting information. They are reporting my account as currently delinquent as of XX/XX/. A payment can not resolve because I dont owe a payment to them. XXXX  has owned this account since XXXXXXXX XXXX XXXX  therefore any reporting after said date should be considered inaccurate and a violation of FCRA requirements.
Product: Credit card

SYNCB/JCP ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SYNCB/JCP or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNCB/JCP or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DATE : XX/XX/2020 I'm refinancing my mortgage.On XX/XX/2020, the Escrow Company has appointment with me to sign myDocs and tells me I should pay off many credit cards and something else which I never know an d I never borrow. They give mea credit report that they ordered from XXXX XXXX XXXX company. On credit report, the credit cards and financial companies I have not known and used below : ACCOUNT NUMBER BALANCE ( $ ) XXXX XXXX   XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX  XXXX. XXXX. XXXX XXXX  XXXX. XXXX. XXXX XXXX/XXXX. XXXX XXXX XXXX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX AND MORE .... 
The credit report was run from XXXX XXXX  XXXX  XXXX  shows Name XXXX XXXX XXXX ( not my name ) and SSN is not my SSN. 
I go online to get free credit report, XXXX  and TransUnion ask me some security questions and said I should send mail or call. I call XXXX, the customer service asks me the security question and say they can not help me. I sent mail to XXXX  on XXXX XXXX, 2020, and don't have answer. I get credit report from XXXX  ( because I paid ) It its correct. 
I would like XXXX  and TransUnion fix problems immediately
Product: Credit reporting

I dispute this debt belongs to me so I repeatedly requested validation and received no documentation. After receiving no documentation, I called XXXX and they confirmed they have no documents whatsoever. As there is no evidence of this debt whatsoever, I requested deletion of this trade line from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

am writing to delete the following inaccurate, contradictory information in my file. The items I deleted are listed in the report. 
I did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.
Product: Payday loan, title loan, or personal loan

I went into XXXX XXXX to discuss getting a procedure, they told me I could get financing and that Greensky would finance it at a low rate. After I started paying off loan, two years later I still am making payments. The interest rate was ridiculous, I am paying double the loan amount. That was not explained to me in the paperwork.
Product: Credit card

on XX/XX/XXXX i filed for a chargeback to my citibank credit card, for {$1300.00} from XXXX XXXX. the original charge i from XX/XX/2023. 
this purchased was made in XXXX for a sofa replacement fabric that had 6 months delivery time. in XXXX after no replys from the merchant, i investigated and found out that the company filed for bankruptcy and is no longer in business. 

Despite this being a clear case of an allowable Chargeback, Citibank has continued to use delay tactics. first by taking 45 days to respond, than requested that i send the information by physical email only ( i was in XXXX, and had to use XXXX at my expense ). than by answering that they will not honer the chargeback. After another formal complaint they reached out to me to once again provide information on the transaction, despite already provided twice. 
i have sent the information a third time, and now i am already another 30 days with no response. 
So i got tired of waiting and delay tactis.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite have sufficient funds when transactions were authorized. I was charged fees due to lagged positions of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXTo 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 : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. 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 complet
Product: Student loan

My Perkins loan is managed by XXXX XXXX. On XX/XX/XXXX attempted to get documentation of my partial loan cancellation, which was allegedly approved in XX/XX/XXXX. While my current balance on the website matches with the partial cancellation, my most recent statement is from XX/XX/XXXX and reflects the old balance. Customer service stated that they do not provide any documentation, including loan verification. Customer service also stated that I would not receive any loan statements while my loan is deferred. Therefore, zero documentation exists to support my current loan balance. Providing loan verification is a basic loan function ; for example, XXXX readily supplies automated loan verification documents. No such function for XXXX XXXX exists, and their customer service refuses to supply any documentation. Loan verification is required for various processes, including taxes and mortgage approval. Because XXXX XXXX will not provide verification of my loan, I am unable to apply for a state tax credit related to student loans.
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of XXXX I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company Velocity investments XXXX and XXXX & XXXX XXXX XXXX. 

As outlined in the agreement, the purpose of the XXXX XXXX XXXX was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Credit reporting, credit repair services, or other personal consumer reports

12 Student Loan Accounts All Starting with Account # XXXX Reporting 9 late or missed payments on each account beginning XX/XX/XXXX. 
Accounts show current status for XX/XX/XXXX but 90 days past due in XX/XX/XXXX. 
This is a clear error and incorrect as you can not be current in XXXX and be 90 days past due the following month. 
The accounts then show being current again in XX/XX/XXXX until XX/XX/XXXX and then 90 days past due in XX/XX/XXXX this again is incorrect and inaccurate information as this is not possible. 
This negative information is preventing me from securing new lines credit, employment and housing opportunities. 

I have disputed this information directly with Navient, contacted XXXX XXXX, and XXXX to have this information reported accurately but this information has not been updated. I am trying to avoid a legal suit but feel like this may be my only recourse. 

All balances : {$6200.00} {$7500.00} {$8600.00} {$11000.00} {$220.00} {$1500.00} {$4300.00} {$4100.00} {$6100.00} {$3900.00} {$1500.00} {$2500.00}
Product: Debt collection

Requested Validation for debt owe. Was sent copies of dates and amounts. 
Subject : Dispute of Debt and Request for Validation Summary of Complaint : I am submitting this complaint against XXXX XXXX XXXX : concerning their collection practices and the validity of the debt they claim I owe. Below are the specific issues : Ownership of Debt : Provide documentation of the chain of ownership, including how the debt was purchased and transferred to the collector. 
Legal Collectability of Charged-Off Debt : Clarify how a charged-off debt remains legally collectable and why collection efforts are continuing. 
IRS Reporting ( 1099-C ) : Explain why a 1099-C form has not been issued if the original creditor has canceled the debt for tax purposes. 
Compliance with FDCPA : Detail how the collector is adhering to FDCPA rules in their communication and collection practices. 
Use of OC-10 Federal Reserve Window : Explain whether the original creditor used an OC-10 Federal Reserve Window or similar process involving negotiable instruments, such as a promissory note, to settle this debt, and clarify why this debt is still being pursued if it was already processed through such mechanisms.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report and noticed it had fraudulent accounts, please investigate them and remove them. 

Account Name : XXXX  XXXX XXXX. 
Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Debt collection

First of all this is a medical debt from more than 7 years ago. In XX/XX/XXXX I suffered a serious work accident that made it impossible for me to work for more than 3 years. When this happened, I called the cards that I was paying to inform them that I would not be able to pay the debt, telling them about the situation and wanting to reach a payment arrangement. They did not want to understand the situation nor did they want to come to a payment arrangement with me. 
In XXXX I received a letter from a levy that they put into my bank account withdrawing around {$500.00} in order to collect this debt. 
Now again on XX/XX/XXXX my bank account was seized and debited in the amount of {$490.00}. 
There was no previous notice for this nor the right or opportunity to defend myself. IS THIS LEGAL??? I ask sarcastically being sure not. 
On countless occasions I have tried to contact them and they do not respond, when they do they can not answer me because I do not speak XXXX and they do not have anyone available in XXXXXXXX or translation for me. 
This is discrimination and also, they have made it impossible for me to reach an agreement which is too unfair and goes against my rights as a consumer. 
This is not in compliance with the equal opportunity law that these companies are supposed to abide by. I did not receive any news of any of this in my mail. This is super illegal. 
Currently, I am the head of the family, I have a wife and XXXX dependent children who depend on my work to survive. 
I have spent hours and hours on hold trying to contact them. They have damaged my credit and my rent payments.
Product: Debt collection

I recieved a call from United check service in New York on behalf of payday from Investior XXXX from XXXX yes the calls were very threating I asked for information regarding this company as I was not aware of them the gentlemen failed to give his name the company name and location information I than googled my rights as a consumer and called back and asked for proof of this debt and other information. Again I was threatned with court and jail agian I asked for information about this company and debt I was told to shut and I continued to question information I was than called a racial slur he states XXXX this is what you need to do. I than hung up the phone.
Product: Checking or savings account

My cash deposit of {$580.00} was shorted {$200.00} by bank of America. They continue to state they are not out of balance, that does not mean there was not another issue to offset mine. I have tired to work with them and they do not want to help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX, XXXX Re : Debt Validation Request under 15 U.S.C. 1692g Dear Sir/Madam, I am writing to formally dispute the debt referenced in your communication dated XX/XX/year>, and to request verification of the debt as required by 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that you provide the following information : The amount of the debt : Please provide an itemized breakdown of the debt and the total balance due. 

The name of the creditor : Identify the original creditor to whom this debt was owed, including any account numbers or references related to the original debt. 

Verification of the debt : Provide copies of any documentation that proves I am legally responsible for this debt ( e.g., signed contract, account statements, etc. ). 

Proof of your authorization to collect on this debt : Provide evidence that you are legally authorized to collect this debt on behalf of the original creditor. 

Please note that, under 15 U.S.C. 1692g, you are required to cease all collection activities, including reporting this debt to the credit bureaus, until you provide the validation requested. 

I am requesting that you respond to this request within 30 days, as required by law. If you can not provide the requested validation within that time frame, I expect you to remove any negative information related to this debt from my credit report and cease any further collection efforts. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I started to look at my credit report to make sure my credit was in good standing, however I noticed multiple unauthorized accounts as well as unauthorized inquiries on my report. i'm lost on the fact that whomever was able to steal my identity/information, i was not aware of any accounts/inquires. The fraudulent accounts are as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The fraudulent Inquiry are as listed : XXXX XXXX ( Finance ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discussed these issues for over a year with all three agencys with no avail.!!! 

Please note, I have sent in letters from agencies that have requested these agencies to take this old information off my reports. 

They will take them off then a month later put them back on even when companies have requested them to take them off. 

Each time these agencies re apply these to my reports without knowledge of deptors or myself, it severely damages my credit I have worked so hard to re build. I am requesting that adverse action be taken immediately against XXXX, XXXX, and Equifax and have them take them fix these issues.
Product: Credit card or prepaid card

Capital One prepaid card for XXXX. Turned around and added XXXX on to my card out of no where or even know how. I paid a company last year in XXXX to fix my credit. They disputed it with them and it got denied. Not knowing why or how come. Then disputed it this year and a debt collector called in XXXX of this year XXXX that took over that debt. I explained to them I am not paying that when I have no idea how it just got added for a prepaid card of the limit of XXXX to XXXX. They agreed it made no sense at all. So they were reaching out to Capital One and they just keep disputing it with no reasons. The charges are not mine nor do I know how they just added charges to a XXXX limit on a prepaid card that is now on my credit report.
Product: Credit card or prepaid card

I received a notification that there was an inquiry from Capital One on my credit report on XX/XX/XXXX. I called Capital One at XXXX XXXX on XX/XX/XXXX. They confirmed an account was opened with all of my information. They said they filed something with their fraud department and the account would be closed. They said Id receive a letter noting the account was closed and that it would be removed from my credit report within 90 days. I received the card in the mail on XX/XX/XXXX. I called back in on XX/XX/XXXX and the system recognized my account. I went to a supervisor in the fraud area who told me the account wasnt closed on his end and apparently there are multiple systems. I asked for more information like how they applied ( phone or internet or an employee of theirs ) and he said they dont have that. Of course they have that! He was unwilling to provide any information and both people I talked brushed this off like it was nothing. It is something to me! My identity has been stolen! It came across as if it happens all the time and its nothing. The fraud supervisor said there is no way to catch this until the consumer calls in saying it was fraud. Im a XXXX XXXX by trade, and thats ridiculous. There are fraud tools that detect fraudulent emails amongst many other things. There is verification they can do with the credit bureau as far as comparing length of address and employment. There are red flag procedures they should have. When I brought up these things, the supervisor just repeated himself over and over and talked to me like I was clueless. It doesnt appear they are protecting anyone and it appears all that matters is the new card to them at the end of the day.