23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, disputing your claim and requesting validation of the alleged debt. Be advised, this request is not simply for verification of the debt or for proof of my mailing address ; it is a demand for full validation of the debt, requiring complete and competent evidence of your authority to collect on it. This includes, but is not limited to, the following : 1. Copies of all contracts, agreements, or assignments bearing my signature and evidencing my obligation to pay this debt. 2. Documented evidence of your legal assignment to collect this debt and any proof of the chain of custody if the debt was sold, transferred, or otherwise assigned. 3. Proof that the debt remains within the statute of limitations, as I am requesting confirmation that any collection actions on this debt are legally permissible. 4. Complete account payment history, including any fees or interest, to justify the balance you claim is owed. The court case Green v. Portfolio Recovery Associates underscores that debt collection agencies must prove the legitimacy of the debt and their right to collect it. Please ensure you provide all necessary evidence substantiating your claim in line with this precedent. Please be aware : if your office has reported any unvalidated information about this alleged debt to the credit bureaus ( XXXX, XXXX, or XXXX ), such action may be considered fraud under XXXX and XXXX law. Any negative mark associated with this debt, if found on my credit reports, may result in legal action against you and your client for violations of the Fair Credit Reporting Act, the FDCPA, and defamation of character. If the requested documentation is provided, I will require a minimum of 30 days to review and investigate this information thoroughly. All collection activities must cease during this period, and I request that no actions detrimental to my credit be taken. Reporting any unverified debt to a credit repository may lead me to pursue legal counsel for action against inaccurate or misleading information. Notice of Non-Response Requirement : If your office fails to provide the requested validation within 30 days of receipt of this letter, you are required to cease collection activities and remove all references to this account from my credit file. Please confirm the deletion of this account with documentation sent to my address above. Thank you for your prompt attention to this matter.
Product: Debt collection

I received a bill for what appears as an open account-mortgage secure loan for a company called loanme. The transaction date is listed as XX/XX/XXXX in the amount of {$1100.00}. It also has a pas due payment amount of {$1600.00}. It also stated that the current payoff good until XX/XX/XXXX of {$1800.00}. Account number XXXX. 

I have not done any business with this company since bk XXXX. I do not have a mortgage and I do not know what they are talking about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX  XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : Bankruptcy chapter XXXX-dismissed REFERENCE Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : Bankruptcy chapter XXXX-dismissed REFERENCE Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX SV ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, I HAVE SENT ALL REQUIRED ITEMS TO XXXX AND TO CITIT CARDS CBNA TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THE NOTARIZED DOCUMENT WAS ALSO SENT TO XXXX AND TO CITI CARDS TO HAVE THE FRAUDULENT ACCOUNT. THE ACCOUNT AND THE CHARGES ARE NOT MINE.I HAVE NEVER OPENED THIS ACCOUNT NEVER MADE ANY CHARGES. NOW AS A CONSUMER I AM REQUESTING TO PLEASE HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I MA TRYING TO BUY A HOUSE AND THE FRAUDULENT ITEM ON MY CREDIT REPORT IS GIVING ME HARDSHIP. AGAIN I HAVE SENT NOTARIZED ITEMS TO CITI AND TO XXXX TO SHOW THAT I AM VICTIM OF AN IDENTITY HTEFT, HOW FAR IS THIS TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to improve my fico score so I can move my family into a better living condition. 
I have taken steps to call all the creditors on my report that are showing negative on XXXX XXXX score. Each one stated I would have to dispute the account so they can move forward to delete, remove, or erase it from my report with their response. I have a copy of the creditors that were deleted from my XXXX Credit Report to show the creditors that responded back with the delete, remove, or erase statement. I have called several times to XXXX, XXXX, Experian on XX/XX/2021 and on XX/XX/2021. On XX/XX/2021 I got a copy of the revised updated report with the same old information?
Product: Debt collection

I HAVE 2 UNKNOWN COLLECTION ACCOUNTS ON MY CREDIT. I DONT KNOW WHAT THEY ARE FOR BUT THE ACCOUNTS ARE NOT MINE. I WAS NOT CONTACTED BEFORE THE ACCOUNTS WERE PLACED ON MY CREDIT.
Product: Debt collection

This is follow up to my previous complaint filed on this site against Shellpoint Mortgage Servicing company. 
Their behavior of harassment and intimidation is not acceptable. They bought my debt from another collection agency XXXX XXXX after XXXX XXXX used the same techniques to collect expired debt from XXXX  XXXX XXXX who sold debt in bulk to XXXX XXXX. 



XXXX XXXX, FL XX/XX/19 From : XXXX XXXX XXXX To : Shellpoint Mortgage Servicing XXXX. XXXX XXXX XXXX, MI XXXX To Whom It May  Concern : After buying my debt from Select Portfolio for pennies you keep harassing me with the latest by sending XXXX XXXX XXXX on XX/XX/19 banging on my doors at XXXX am while I was soundly asleep ( I'm retired and sleep a lot ) to intimidate me on loan that XXXX had no desire to deal or foreclose many years ago. 
You are violating every legal statue that bars you from harassment and intimidation. 

You are violating : [ 15 USC 1692d ] 806 ( 5 ) [ 15 USC 1692d ] 806 ( 2 ) [ 15 USC 1692c ] 805 ( a ) ( 1 ) [ 15 USC 1692d ] 806 ( 1 ) [ 15 USC 1692c ] 805 ( 6 ) [ 15 USC 1692g ] 809 ( a ) [ 15 USC 1692C ] 805 ( c ) By this signed letter I am asking you to cease and decist all calls ( including third party ), all written correspondence and remove ALL negative remarks on all three credit bureaus ( XXXX, XXXX and XXXX ). 
There is statue of limitations for collections and you are way past due that statue. 


XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a claim with Fargo claims assistance center to get a refund for me purchasing a city pass for XXXXXXXX XXXX  while on vacation however they had me purchase a child ticket but the child was unable to attend due to it being a policy of no children I had requested a manager to give me a refund and I was getting was a the run around i then called Wells Fargo to step in and see if they can assist me with obtaining my funds back I have been in contact with Wells Fargo several times I even have emails I can can cross reference dated back to XX/XX/year> I received a confirmation response I have also talked to Wells Fargo claims assistance center serval times to check in on this claim they asked for more information and it was a series of questions that needed to be answered I answered those on a recorded phone call I am not working right now so with Wells Fargo trying to take back XXXX from my account will leave my account in a negative standing
Product: Checking or savings account

In XX/XX/2022 my account went below the {$1500.00} minimum threshold for several days, and I was charged a service fee. I requested the fee be reversed, and JP Morgan reversed it. 
The next month, XX/XX/2022, JP Morgan charged me a {$12.00} fee because my account was below the {$1500.00} threshold- but it was only below because they had charged me the {$12.00} fee ( which they later refunded ). I requested they refund, the declined, so I filed a complaint with the CFPB ( complaint ID XXXX ). JP Morgan flrefunded the fee. 
Now in XX/XX/2022, JP Morgan has charged me another {$12.00} fee, again only because my account was below the {$1500.00} minimum due ONLY to their fee ( which they later refunded ). I requested the reverse the fee, and they declined and advised me to deposit {$24.00} in the account. 
Charging a fee because my account was below their threshold only due to a fee that they charged ( and later refunded, twice ) is unfair and deceptive. This feels like the definition of a junk fee. 
I simply want my {$12.00} refunded and I will close my checking account so I dont have to deal with this anymore. I would encourage you to investigate the facts of my complaint as a UDAAP.
Product: Debt collection

Santander consumer closed an account for a an auto loan and wrote it off on my credit report as a loss and is still submitting it to the credit bureaus which is in turn hurting my credit which I value and making it to where I am unable to get a mortgage for a home.
Product: Credit card

We book a vacation back in XXXX. Then we decided to get a refund due to personal reasons. I called the place and said I was cancelling and they told me it was okay. Never got my refund. I opened an escalation with Wells Fargo and went through a few months until they made my credit permanent. Now in XXXX they change my card since they finished their contract with XXXX XXXX shipped me a new card and a new charge comes out. Im not even aware of what this charge is for. After going back and forth for hour long calls and multiple departments they tell me is coming from that credit that was already permanent. I go back and forth with them emailing the board of directors and nothing happens. Then after another month of calling back and forth I get an email on XX/XX/13 saying that my credit is now permanent for XXXX $ but the credit they added to my account is XXXX XXXX They made an excuse that it was an overcharged and denied my dispute again. Now they are asking me ti take legal action to the merchant. I just want my credit to stay permanent.
Product: Money transfer, virtual currency, or money service

I made a wire to Coinbase for US {$3000.00} on XXXX XXXX. Due to a name mismatch with the account I used to wire and my receiving account at Coinbase, Coinbase claims to be unable to credit my account. I have called Coinbase dozens of times and opened numerous cases with their support staff but am generally unable to get though due to " high call volume ''. When I can get through, the staff opens a case and claims they will have a " specialist '' look at it. It has been more than two months and I have not heard anything from anyone.

Based on the lack of an real customer support at Coinbase, I contacted my bank and had them reach out to Coinbase 's bank directly, XXXX XXXX XXXX. XXXX XXXX XXXX has request that XXXX XXXX XXXX reverse this wire 5-6 times but they have yet to even respond to this request. It has been more than two months and neither XXXX XXXX XXXX, nor Coinbase have come back to me with anything.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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  has violated my rights. Or list of inquiries 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: Checking or savings account

A local Chase Bank representative told me that he could get the monthly fees waived from my account, as I was planning to use the account in the future to switch my banking from XXXX to Chase for primary use. The fees continued shortly after, at which point I decided to attempt to close my account. On XX/XX/XXXX, I sent a secure message to Chase stating I would like to close my account. On XX/XX/XXXX, I received a message saying I couldn't close it because it was negative due to the fees. 

I had intended to pay the fees to close it out but not even a month later my account was shut down. I do not know the specific day but it was no more than a month. I received no warning that my account was going to close and now they have reported me to XXXX over {$24.00}. When I went into my Chase account to view the account history and anything that would be important for me to know about the account closure, I could not find anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX letters telling them to remove these inquires that I did not authorize they have totally refused to do this that the credit reporting agency has to do this. I want verification of that I gave to them to do a Hard Pull on my credit report, if they don't have this verification I want the inquire to be deleted now off my credit report
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify is accurate. XXXX - XXXXXXXX XXXX # XXXX Open XX/XX/year>
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Dispute of XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX am writing to formally lodge a complaint regarding the ongoing issue of incorrect personal information on my credit reports with all three major credit bureaus : Equifax, XXXX, and XXXX. Despite multiple attempts to rectify these inaccuracies, the incorrect information remains, causing significant distress and inconvenience. 

Correct Information : Name : XXXX XXXX  XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect Information to Be Removed : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former Names : XXXX XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/year> 1989 XX/XX/year> Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Employers : XXXX XXXX XXXX XXXX I have contacted XXXX credit bureaus XXXX times to correct this information but have not received a satisfactory resolution. This persistent inaccuracy is in violation of the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( 15 U.S.C. 1681i ) : The obligation of credit bureaus to investigate disputed information and correct or delete inaccurate, incomplete, or unverifiable information.

Section 623 ( 15 U.S.C. 1681s-2 ) : The duty of furnishers of information to provide accurate information and correct any inaccuracies. 
These inaccuracies have impacted my ability to obtain credit and caused unnecessary stress. I kindly request the CFPB 's intervention to ensure that the credit bureaus comply with the FCRA and correct my credit reports. 

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

Sincerely, XXXX XXXX XXXX
Product: Debt collection

MBA LAW aka XXXX XXXX reported this erroneous debt to my credit reports. This is a debt that I do not owe! This debt was purchased by from another junk debt collector whom was unsuccessful in attempting to collect this alleged debt because of their failure to Validate this debt in accordance with the Fair Debt Collection Practices Act. To add insult to injury, MBA LAW aka XXXX XXXX did not send me a written notice in regards to the alleged debt, and also failed to notify me of my right under the Fair Debt Collection Practices Act to dispute this erroneous debt before inserting it on my credit reports. Failure to properly Validate this debt in accordance with the FDCPA ( which you can't do, I don't owe you anything ) will result in my filing a small claims suit against your company for multiple violations of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute this on my credit report because the original debt is from XX/XX/2012it should be removed from my account and it is not this is not correct information and is in violetion of FAIR DEBT COLLECTION PRACTICES ACT please remove it
Product: Credit reporting or other personal consumer reports

I requested that a few accounts on my credit file with Experian be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Product: Checking or savings account

A TCF employee in XXXX XXXX, MI threatened to refuse to process a charge dispute when I requested to close my account. When I asked for her boss, I was directed to the branch manager. The branch manager continued the threat ; if I closed my account, I would lose my ability to dispute charges and subsequently the money that belonged to me. 

Despite two complaints about this to the CFPB, no one from TCF has contacted me about being threatened by two of their employees. I attempted to resolve this through their customer service phone number. I have yet to receive any direct, returned communication from TCF. 

Twice TCF has responded to CFPB complaints with a {$17.00} refund claim. I have not been refunded anything, nor is that the dollar amount of the dispute. 

TCF refuses to contact me regarding this issue and continues to issue nonsensical responses to my CFPB complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a charge off account on my Experian credit report that has incomplete and inaccurate information. Experian did not do a thorough investigation and the charge off remains on my credit report. The account was last updated on XX/XX/2020, with a status of charged off. The account history shows a 30 day late, a 60 day late, and then a charge off. From my understanding, charge offs do not occur until after 120 days. The account also appears as a car lease, when I did not lease a car with the company. The account also has no date of last activity listed.
Product: Credit card or prepaid card

Fradulent, unauthorized charges were made to my American Express credit card. I reported these charges to American Express in less than two days. They issued me a new credit card but have neglected to reverse the fraudulent charges.

American Express is in violation of the Federal Credit Card Fraud Law because this financial institution did not limit my liability to fraudulent activity as required by the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX [ Date ] Experian XXXX XXXX XXXX XXXX 
XXXX XXXX, CA XXXX Subject : Dispute of XXXX XXXX  under 15 U.S.C. 1681 ( Negligent Noncompliance ) Dear Experian, I am writing to formally dispute the accuracy of an item on my credit report, specifically XXXX XXXX, which I believe to be a result of negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. I have previously requested that this item be removed from my credit report, but to date, Experian has failed to take appropriate action. 

Disputed Item ( s ) : FXXXX XXXX  data should be deleted This item should not be on my credit report. Despite my previous request for its removal, it remains listed, which I believe constitutes a failure on XXXX part to follow the necessary procedures for investigating and correcting inaccurate or outdated information. 

In accordance with 15 U.S.C. 1681i, I request that Experian promptly investigate this matter and remove XXXX XXXX from my credit report. As per FCRA guidelines, if this matter is not resolved within the 30-day period mandated by law, I will be forced to consider further actions, including claims for civil liability under 15 U.S.C. 1681n and 1681o for any damages resulting from your noncompliance.

Please notify me of the results of your investigation and the steps taken to resolve this issue within the required 30-day period. I look forward to your prompt attention and resolution of this matter. 

Sincerely, XXXX XXXX