23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am formally requesting validation of the debt that your company has reported under my name, as required by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The account in question is listed on my credit report with the following details : Creditor : Credit Corp Solutions Inc Original Creditor : [ Provide if available ] Account Opened : XX/XX/year> Current Balance : {$950.00} Account Status : Open, placed for collection Remarks : Account information disputed by consumer Date of Charge-Off : [ Provide if available ] Date of Last Payment : [ Provide if available ] Request for Debt Validation Pursuant to my rights under federal law ( FDCPA, 15 U.S.C. 1692g ) and Indiana state law, I request the following information : 1. Proof of Debt Ownership Documentation verifying that Credit Corp Solutions Inc has the legal authority to collect this debt.

2. Original Creditor Agreement A copy of the original contract with the original creditor, including my signature.

3. Account Breakdown A detailed accounting of how the balance of {$950.00} was calculated, including principal, interest, fees, and any other charges.

4. Date of Charge-Off and Last Payment Official records confirming when the original creditor charged off the debt and the date of my last payment, if any. 
5. Proof of Licensing and Authorization Documentation verifying that your company is licensed to collect debts in Indiana, as required by the Indiana Collection Agency Act ( IC 25-11-1 ).

6. Proof of Notification Evidence showing that I was properly notified of this debt, as required by law.

Applicable Indiana Laws In addition to federal protections, Indiana law provides specific consumer protections regarding debt collection : Indiana Deceptive Consumer Sales Act ( IC 24-5-0.5 ) prohibits unfair, abusive, or deceptive debt collection practices.

Indiana Collection Agency Act ( IC 25-11-1 ) requires debt collectors to be licensed with the Indiana Secretary of State . If your company is not licensed, you are not legally authorized to collect this debt. 

Indiana Statute of Limitations on Debt ( IC 34-11-2 ) : The statute of limitations for : Written contracts is 10 years Oral contracts is 6 years Open-ended accounts ( credit cards, etc. ) is 6 years If this debt is past the statute of limitations, your company can not legally sue to collect it.

Indiana Interest & Fees Restrictions ( IC 24-4.5-3-201, IC 24-4.5-5-107 ) : Debt collectors can not charge unauthorized fees beyond the original contract terms.

Formal Dispute & Credit Reporting Notice Per FDCPA ( 15 U.S.C. 1692g ) and FCRA ( 15 U.S.C. 1681i ) : If you fail to validate this debt within 30 days, I expect it to be removed from my credit report. 
If this debt is unverified, your company must cease all collection activity and update the credit bureaus accordingly. 

I request that all future correspondence be in writing and sent to my mailing address listed above. 

This letter serves as a formal dispute of this debt. I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title creidit central... was XXXX XXXX XXXX XXXX XXXX it's reporting under the law they can't do this never received notes from these companies of being late..
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


Every other credit report agency has stop reporting these accounts cause its fraud and the information reported is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries on Experian credit report was not authorized by me And I would like these inquiries to be removed immediately from my credit report based on the federal fair credit reporting act. 

XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX/XXXX XXXX- XXXX XXXX XXXX/XXXX- XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




DPT TREASURY # XXXX XXXX # XXXX XXXX XXXX  # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My taxes and Insurance are impounded this is the second year in a row since my loan was sold to Arvest Central Mortgage XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Arkansas XXXX ( XXXX ) XXXX that my insurance was not paid on time by XX/XX/XXXX and I received a Expiration letter from my insurance company XXXX XXXX XXXX XXXX XXXX Ca . XXXX ( XXXX XXXX XXXX dated XX/XX/XXXX. 

When I received the letter I called to make sure the payment had not crossed in the mail, todays date XX/XX/XXXX. In fact the payment has still not been made, called Arvest their automated service said the pay was mailed out on XX/XX/XXXX when I got a live operator XXXX he stated the payment was made on XX/XX/XXXX, he advised that they have a 30 day grace period to make that payment, XXXX stated they have 14 days from the due date. 

I am in the process of submitting documentation for a loan they requested Homeowners declaration which will show as expired causing problems with processing my loan. Kindly advise the process and time frames for normal escrow impounds to be paid I have never had this issue with any other company for 30 years of being a homeowner. 

I would love it if Arvest would sell my loan as I have complained about how they accept payments in the past. That was not resolved they stated they did not have to accept partial pays on the acct and I had signed for that, when I pulled the copy of what I signed it reads they " do not have to accept partial pays on delinquent accounts '' MY ACCT. IS NOT DELINQUENT, IT IS CURRENT therefore I do n't see that applying to my situation of me wanting to make the pays as my money comes in.
Product: Credit card

Applied for XXXX Chase credit card XX/XX/XXXX was approved with a sign on bonus of XXXX each. XX/XX/XXXX lender called to verify types of activities on account. Lender agrees with activities, in XXXX XXXX Chase closed both credit card with the reason of credit card activity is inconsistent with expected activity. Disputed in XXXX XXXX was told to check terms and conditions, Called executive offices today XXXX/XXXX/XXXX was told can not access account and to apply for a new one. 

I would like chase to return all my forfeited points. I believe chase has allowed other customers like me a 30 day window to redeem or transfer points out of chase. Chase has not allowed me to do this. I had lost a total of XXXX Chase Ultimate reward points, this points do not include activity which I had on the account that should have posted had they not closed my chase credit cards.
Product: Student loan

I have student loans from XXXX that Ive had since I was XXXX. They just recently transferred them over to a different company ironically rigt when they had a lawsuit against them for XXXX  us over.
Product: Checking or savings account

On XX/XX/XXXX, I deposited 7 foreign checks from XXXX into my Bank of America account at the local branch ( foreign checks can not be deposited via mobile deposit ). After receiving a deposit receipt from the teller for XXXX, I saw this same amount pending in my BofA account. 

The next day, I see a notice that XXXX has been removed from my account in this transaction, without reason. Through visiting the branch, I discover that only 4 of the 7 checks were deposited by BofA, due to human error. I was told this would take 7-10 Biz days to resolve. After this time elapsed ( and then some ), I was told at the branch on XX/XX/XXXX that this would take 2 months to resolve from the transaction date. 

In XXXX, when 2mo elapsed with no resolution, I made an FDIC complaint, and also returned to my local BofA branch ( XXXX and XXXX XXXX in XXXX, NY ), where a XXXX case was open. The FDIC routed the complaint to the OCC, who routed the complaint to a department at BofA, who on XX/XX/XXXX contacted me to let me know they can not find the remaining 3 checks, an unacceptable response. 

This negligence on XXXX part has caused us to lose even more money due to credit card interest on unpaid balances, and removed a sizable amount of emergency cushion from our coffers.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX OF XXXX on XX/XX/XXXX with a balance of {$2600.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

These people, they never stop calling. I've told them any time they call when I get paid, so will they. It never stops. Call daily daily daily.
Product: Debt collection

This company is trying to collect a debt that is a result of identity theft that belongs to an address that Ive never lived at. Ive lived at the same address for XXXX years. This account is false and identity theft.
Product: Credit reporting or other personal consumer reports

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting any information in my credit file that resulted from an alleged identity theft. 
This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, or may rescind any block. Of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) The information was blocked in error or a block was requested by the consumer in error : ( B ) The information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block or, ( C ) The consumer obtained possession of goods, services, or money as result of the blocked transaction or transactions. XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The account with XXXX  XXXX XXXX was previously removed from my report as i reported it as fraudulent account. It was removed last XXXX, but was reinserted as per checking. Again, this account is a fraudulent account. Experian is violating my right per FCRA. Please remove this as soon as possible. 

XXXX  XXXX XXXX account # XXXX date opened XX/XX/year> 2018
Product: Checking or savings account

When I went to purchase my groceries at XXXX XXXX they declined my card but the charge went through so I wasnt able to get my groceries. I tried to dispute with chase but they chargeback my account.
Product: Credit card or prepaid card

I opened the Discover Credit Card in XX/XX/XXXX and have been using it until now. In XX/XX/XXXX, I realized that the bank has been charging me {$25.00} per month for payment protection fee since its opening. I was not informed about this service at all. I was not aware of this service at all until XX/XX/XXXX. So I called the credit card company and cancelled this service in XX/XX/XXXX. 

On XX/XX/XXXX, I called and requested the credit card company to refund {$1700.00} that I already paid from the opening to XX/XX/XXXX.  However, they said that they could only pay up to 6 months fees ( {$150.00} ). 

It would be greatly appreciated your help on this matter. 

Best Regards, XXXX
Product: Student loan

Hi. I had a student loan that was originally through XXXX XXXX XXXX, but that has been sold to ultimately Navient. I fell behind on the student loan and it became delinquent. After a few changes in my situation and a settlement offer by a debt collection agency contracted by Navient I was able to settle the debt on XX/XX/XXXX. After the settlement was completed, I was instructed to call 30 days later to obtain my settlement receipt, but I ran into the issue that the loans was supposedly sent back to collections and that the loan was not settled or the settlement was not approved. The collection agency that has received the money, sent me finally around XXXX XXXX a settlement receipt and forwarded the paperwork again to Navient to update the status of the account. In XX/XX/XXXX I was again harassed by two different collection agencies and Navient themselves, trying to collect on a already settled account. After two weeks of calling back and forth and emailing, faxing and mailing copies of that settlement receipt phone calls from all collection agencies stopped and I contacted Navient to obtain a copy from them of the settlement receipt ( the Navient settlement receipt, not the one that I sent them ). It took repeated calls since XX/XX/XXXX, with almost weekly calls to finally receive the receipt on XX/XX/XXXX. Navient instructed me also that they would update my credit report about this settlement by XX/XX/XXXX. No updates have been made and I again have repeatedly called them to request them to update it. They flat out refuse to update it and are giving me the run arounds, wanting me to send them various pieces of information like the settlement receipt and a current copy of my credit report to them and then file a dispute with them, which representative stated may take up to a year.
Product: Money transfer, virtual currency, or money service

I am writing to inform you of unauthorized transactions on my XXXX account, which was linked to my now-closed Chase Bank account . Due to a disagreement with another transaction, my account was closed without addressing the issue with XXXX
Product: Credit reporting or other personal consumer reports

I paid the outstanding balance on my XXXX  account in-store at XXXX XXXX and requested XXXX XXXX unlock my XXXX. To date, they have not done so. Father, XXXX has place my account in Collections. Despite the balance on the account being XXXX.
Product: Debt collection

I received a few calls with a request to return a phone call at XXXX who states they are Global Processing Services and act as bad debt mediating. This phone I believe help gs to XXXX count or city. FL. They claim in 2016 I took out a payday loan online with IP address XXXX. This ip address belongs to someone in AZ, I don't live there. All they could tell me was it a main lender from XXXX XXXX through XXXX in 2016. They could not tell me what the supposed contract was nor could they give me a specific date in 2016 not could they send my anything, but if I called the company they wouldn't know anything because they " sold '' the debt to them, but this Global doesn't have the contract the client does. They stated {$500.00} was wire transferred into my account, which have never happened, confirmed with my bank. Supposedly I have been contact via mail which has never happened. They state I have a {$1700.00} balance which they will settle for {$380.00} but I need to give them my payment information over the phone. This organization has my address and last XXXX of social. I was hung up twice and on the third time I called I was given different information about where this pay day loan came from. They stated they are a 2nd debt collector but it has not hit my credit yet.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report, as provided by TransUnion. Under my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ), I am requesting that TransUnion conduct a thorough investigation into the following disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, it is imperative to ensure that the data provided by any Consumer Reporting Agency ( CRA ) to TransUnion complies with the FCRA, adheres to the Credit Reporting Resource Guide , and aligns with TransUnion 's business practices and policies. If the CRA, such as LCI, providing data to TransUnion is not in compliance with the FCRA, TransUnion 's compliance with FCRA could be compromised. 

I have diligently reviewed my credit report and have found the aforementioned items to be erroneous. I have enclosed copies of supporting documentation that validate my claims, including a letter from PACER and the accused courthouse. 
This inaccuracy is detrimental to my financial reputation and significantly hinders my home-buying experience. The erroneous information on my credit report has resulted in unfavorable terms and conditions from lenders, delaying or even jeopardizing my ability to secure a mortgage for purchasing a home. 
I have also documented every correspondence sent to TransUnion regarding these disputed items, along with proof of delivery. Despite these efforts, the inaccurate information persists on my credit report. 

I remind TransUnion of its obligations under the FCRA to ensure the accuracy and integrity of the information it reports. Failure to comply with these obligations may result in legal action. 

Therefore, I request that TransUnion promptly investigate these disputed items and correct any inaccuracies found. I also request that TransUnion provide me with a written explanation of the results of its investigation, along with a revised copy of my credit report reflecting any necessary corrections. 

Please be advised that I am fully prepared to take further action, including seeking legal remedies, if TransUnion fails to comply with its obligations under the FCRA. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Today, I received a letter telling me to destroy my card and I will no longer be able to use my card. The letter states that I misrepresented a dispute which I did not because all of my disputes were investigated and resolved by the company. I have letters indicating that my disputes were resolved so I do not know what disputes Citi Bank is speaking of. There are two disputes pending but the investigation is not over and I have not been given the opportunity to provide additional information. My account has been restricted and I would like my account to be re-instated. Citi Bank needs to apologize and rectify the account restriction because there has NOT BEEN ANY INTENTIONAL MISREPRESENTATION. Perhaps there is a miscommunication issue but regardless Cit Bank is negligent for not requesting additional information. Consumers need to be aware that credit card companies have an obligation to investigate disputes and can not simply close account because the company does not want to deal with the problem. 

Called customer service and the people on the phone said they were ordered to not disclose any information to me. This is awful customer service.
Product: Student loan

My loan servicing XXXX XXXX XXXX is not handling issues brought to their attention in reference to my student loan. I requested my account to be reviewed with no results. I started contacting them since XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a hard inquiry from Bank of America on XXXX XXXX. I had no reason to inquire with them.