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

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  Re : Account Number : XXXX XXXXAmount of Debt : $ XXXX of Debt : XX/XX/XXXX Dear American XXXX XXXX , I am writing to request validation of the above-referenced debt. I do not acknowledge this debt and would like to see validation under the FDCPA. 
Please provide : 1. The name and address of the original creditor.

2. A detailed breakdown showing how the alleged amount was calculated.

3. Copies of any agreements or contracts I allegedly signed.

4. Proof that you are licensed to collect debts in my state.

5. Proof of assignment or sale of the debt, including the contract or agreement between you and the original creditor, verifying that you have the legal right to collect this debt. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Huntington bank has refused to close my account in good standing after I withdrew all my money. The problem has gone on so long that I was charged a fee and my account became delinquent. Today I left work early to go to a branch and pay this unfair fee, however they can not close the account until the check clears ( which is fine ). They have no branches open evenings or Sundays and I will be unable to return to a branch before the next fee is due. I need some way, mail, online, or on the phone, to close my account. I have never had a bank refuse to close my account and charge me a monthly fee while they make the process unreasonably lengthy.
Product: Debt collection

I submitted a dispute via certified mail to Transunion in regards to the collector XXXX XXXX XXXX and it was filed on XX/XX/2023 including court documents for removal. Transunion removed the dispute from file without addressing the issue or results. This item should be removed it isnt owed the XXXX at XXXX owes me instead XXXX. This collection was filed fraudulently during litigation of the matter and the collector was informed via mail by several certified dispute letters and court documents that were sent Plz refer to complaint XXXX
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 is XXXX  my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item i am asking you to verify as accurate : XXXXXXXX XXXX Account number XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/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 Equifax 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  on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), and a charge-off account opened at XXXX XXXX on XX/XX/XXXX under the account ( 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 ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is XXXX and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is XXXX  reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

[ Your Full Name ] XXXX XXXX [ Your Address ] XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX [ Date ] XX/XX/XXXX Experian Dispute Resolution Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Investigation and Removal of Inaccuracies ( USS Codes Included ) Dear Experian, I am writing to formally dispute several items on my credit report. Below are the specific inaccuracies I request to be investigated and corrected, in accordance with the Fair Credit Reporting Act ( FCRA ) and utilizing the appropriate Universal Data Form ( USS ) codes. 

1. Personal Information USS Code 006 Incorrect Name Remove " XXXX XXXX '' as this name variation is not accurate. 
USS Code 007 Incorrect or Outdated Address Remove " XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, '' as it is outdated. 
USS Code 008 Incorrect Employer Remove outdated employer information : " XXXXXXXX XXXX XXXX XXXX '' and " XXXX. '' 2. Closed Accounts I request the removal of the following closed accounts using USS Code 037 ( Account Closed by Consumer ) : 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 These accounts are either outdated or contain inaccurate payment histories. 

3. Collection Accounts USS Code 038 Collection Account Verification or Removal XXXX XXXX XXXX ( original creditors : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX ) I request these collection accounts be validated. If they can not be verified as accurate, I request their removal. 

4. Inquiries USS Code 050 Hard Inquiry Removal Please remove the following unauthorized or outdated hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Experian XXXX XXXX ( XX/XX/XXXX & XX/XX/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 5. Fraud Alert USS Code 093 Add or Update Fraud Alert Please ensure my fraud alert remains active and updated as follows : " Fraudulent applications may be submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. Do not extend credit without first contacting me personally and verifying all application information at day XXXX or evening XXXX. This victim alert will be maintained for seven years beginning XXXX. '' I request a detailed investigation and the necessary corrections to my credit report based on the USS codes listed above. Please provide a written response to confirm the actions taken within 30 days of receiving this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Call was placed to number and stated " stop all calls on all accounts. '' Calls were received from this number on the following dates and times. 

XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX After each call to my cell phone, a call from this number was immediately received by a friend on their cell phone in which they stated this was an attempt to collect a debt. Each call to my family and friends requested a call back to XXXX.
Product: Debt collection

I filed a dispute requesting verification of a debt that is being reported by XXXX XXXX XXXX ( XXXX ) for account XXXX XXXX. Since I never received notice of my right to dispute this collection I did n't find out about the collection until I was denied credit. I then immediately made a request for debt validation from XXXX which was summarily ignored. 45 days after my initial request I, again, requested debt validation from XXXX. And just as before, my request went unanswered. Soon thereafter, I began being indundated with calls from them all day, every day. So, although they could n't find the time to reply to my numerous requests they found the time to begin harassing me. In an attempt to mitigate any further harassment, and hopefully get them ( XXXX XXXX to validate the debt they are reporting to the CRA 's as required by law, I filed a dispute with XXXX on XXXX/XXXX/2015 requesting validation of the debt as well as verification/validation of dates reported and amounts owed. I also took care to note XXXX 's failure to provide any proof that the debt is valid and being reported correctly. On XXXX/XXXX/2015 I received the results of the " investigation '' performed by XXXX with a determination that they were able to verify the debt. 

Under FCRA sec 623., I am requesting disclosure of the " original creditors documentation '', on file, that they must maintain to to validate all data being reported be made to me XXXX 30 days after receipt of this notice. If they are unable/refuse to provide documentation I am requesting that the the reported data be removed from all credit reports.
Product: Prepaid card

I have had Rush card for over a year now .. I just bought a new car in XXXX i had my card info in the car due to them needing my bank info, I was sick and did not remove it from my car it had my pin number on the envelope. I had left that my card and meds in the car. someone got into my car and took all my things and drained my bank account. I filed a dispute form on XXXX which they stated in less then 10 days there was no error in my account and closed the claim. Stating i had to file a rebuttal letter which i did on XXXX XXXX. I have called them at least 50 plus times i keep getting the run around.I still to this day have n't received a letter from them which i have requested 8 times. I called again yesterday XXXX to see the status which they said they closed my case again i had them transfer to me to a superior who then claimed i never sent a rebuttal letter and to resend it again and is claiming i have to wait another 90 days for a response. It was over a thousands dollars taken out of my account. I could not make my rent or car payment. Someone stole my card and used it and they are refusing to give me my money or a report on why they will not.
Product: Payday loan, title loan, personal loan, or advance loan

Applied for and was approved for a debt consolidation loan to combine all payments into one. Loan was approved XX/XX/XXXX and mostly disbursed to creditors on XX/XX/XXXX. The largest creditor did not receive their disbursement. Have called twice a week and requested specifics of payment supposedly sent and have not received the information as of XX/XX/XXXX. I will shortly be making double payments on the same debt to XXXX lenders. The payment is now considered lost by XXXX and there is still no resolution. I redetailed this conversation via chat with sofi and recorded the written chat. I'm at a loss after multiple calls and requests and still expected to make payments on a loan that was not fully disbursed. In addition I was advised if and when the lost payment is found the other lender is required to send my overpayments to them rather than back to me.
Product: Prepaid card

I hold several XXXXgift cards and gift cards from Amex, but I can not use any of them for my online purchases, and they were also declined at local in-person stores. These cards are practically useless, and I am struggling to pay for essential groceries. I need to use these cards and want to ensure that the amounts shown on them are actually available, but I can not find any store that accepts them. 

On XX/XX/year>, I tried to make purchases using these cards, but none of them worked. Following Amexs guidance, I also attempted to add them to my XXXX XXXX, but that failed as well. This situation is confusing and extremely disappointing.
Product: Money transfer, virtual currency, or money service

I accidentally sent my rent money to the incorrect person, as it was intended for my landlord, through XXXX  on my XXXX XXXX. I filed 2 claims through chase and they stated that they can not get the money back into my account bc they have to go through XXXX  first since its a third party. I filed the first claim on XX/XX/year>. They closed it without calling me to let me know on XX/XX/XXXX. I then reopened ANOTHER claim on XX/XX/XXXX to get the money back and still have not heard anything on the case, they are dragging their feet and this cant be the first time someone ACCIDENTALLY sends money to the incorrect person through XXXX on the chase app.
Product: Mortgage

XXXX  XXXX XXXX XXXX is not & hasn't been our loan holder for years. They are sending us TIME SENSITIVE, FINAL ATTEMPT, IMMEDIATE RESPONSE letters on pink paper claiming our home owners insurance has expired. WE know its XXXX & a scam but my wife cares for the elderly and they get frightened by these scams! The NOTICEs are very predatory in nature. Their intention is to scare people into calling. We haven't called XXXX  & honestly, it shouldn't be us calling some hourly employee. This needs a throat punch to the CEOS. Sincerely, The XXXX XXXX
Product: Student loan

I paid off my son 's XXXX XXXX loan in XXXX of 2009. Last year Navient contacted him at work and threatened him with collection if he did not agree to begin making payments. Not understanding that this was not a debt he owed, he agreed. When the amount they were demanding went up after 9 months, he contacted me. I sent them all of my documentation proving the loan had been paid in full three weeks ago. Nothing has been done to erase this debt, nor have I been able to reach a supervisor in the fraud dept -- today I have been on hold for almost two hours. This is ridiculous! I want this loan removed, and the money he sent them under duress refunded.
Product: Student loan

I received notification on XX/XX/XXXX of being eligible for a fiscal year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX ( XXXX ). XXXX confirmed they sent the necessary supplement information to have the award applied to my account. In a conversation with a Mohela representative on XX/XX/XXXX, it was confirmed the supplemental information for my award was received but the funds have not yet been applied to my account. 

I then spoke with a Mohela representative on XX/XX/XXXX who submitted my request for review, advising I wait XXXX business days for a response. I received an email stating the XXXX XXXX XXXX with Mohela is looking into the matter. I sent an email to the XXXX XXXX XXXX regarding a response on XX/XX/XXXX. No response was received, so I sent a follow up email requesting a response on XX/XX/XXXX. 

I have been unable to make any progress with getting Mohela to apply the loan award to my loan balance.
Product: Credit reporting or other personal consumer reports

Oportun.Inc have furnished alleged late payments on my XXXX, XXXX, XXXX that you identified as late. 
The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) 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 is mailed or delivered to the consumer not later than 21 days before the payment due date.

For any creditor to treat a payment as late you must prove the following : 1 ) Each Periodic statement ; and 2 ) The information required under 15 USC 1637 ( b ) of this title ; 3 ) was mailed out or delivered ; 4 ) 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.
Product: Money transfer, virtual currency, or money service

Paypal informed me that there was some suspicious activity in my Paypal account. I want to close the account because I do not want to get hacked. Paypal refuses to close the account and is demanding that I send a copy of my photo ID. My photo ID is private and because Paypal appears to have lax security, I do not trust Paypal with my private, personal information. I just want to close my Paypal account. Could the CFPB please help me get Paypal to close my account? Thanks! -XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I financed a car through Cnac financing /j.d.byrider for a XXXX XXXX XXXX and was making payments on time and paid off my deferred payments and was simply making my monthly car note payments, in XX/XX/XXXX I made my payment for {$260.00} and was in good standing with my payments, 2 days later my car was wrongfully reposessed and when I called into the dealership letting them know that they werent in the right and needed to fix the situation, their response was well I shouldve called into them to let them know payment was rendered because they were closed for a few days but I know if me paying it online and the company sends me a receipt every time then I know their data base shows payment was made and then putting my car up for repo was a mistake that was on their part and not mine!!! Then they were trying to make me pay them towing fees for their unprofessional mistakes then I went and picked up my car from the XXXX there and was still up to date with my payments then they lied and said that the car was stolen when it was not, they reposessed it again and the police never arrested me or anything seeing the fact that I had all my paperwork to show my car was mine and in good standing and just overseen the vehicle repossession to keep peace, then after all the unlawful and wrongful unprofessional antics they had pulled on me they had the audacity to quickly put a unlawful repossession on my credit file which has made a bigger issue with me deeming the company mislead me and did unlawful practices to get more money out of me whose the consumer, and gave a big history doing this to many people! I know my rights and need this wrongful repossession rectified asap and the wrongful repossession to be removed off of my credit immediately!! I paid out to the company overall {$2100.00} in total )!
Product: Credit card or prepaid card

Barclays view master credit card. 
Credit card last four number is XXXX. 
Credit card company charge $ XXXX for convenience on my credit card. 
Its Fruad was not authorized by me. 
I file a complaint to credit card about this fruad entry at credit card Fruad department. 
Finely credit card company says its valid entry but its fruad on my credit card.
Product: Credit reporting or other personal consumer reports

-This debt creditor ( CAPITOL ONE ) engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. 15 U.S. Code 1692g - Validation of debt XXXX XXXX XXXX Account Number : XXXX this account does not belong to me 2. 15 U.S. Code 1692h Multiple debt XXXX XXXX  Account Number : XXXX please delete multiple debts 3. 15 U.S. Code 1692g Validation of debt XXXX XXXX Account Number : XXXX this account is not mines please delete This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Thank You Sincerely yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION XXXX, AND PULL MY CREDIT REPORTJUST TOCHECK MY XXXX THEN REALIZED. I HAVE BEEN A VICTIM OF DENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX XXXXXXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX XXXXXXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX CONSERVE IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting 2 Miortgage listings closed as of XX/XX/2010. Under the FCRA, these should no longer be reporting as they are over 7 years old from date of last activity. XXXX XXXX XXXX  is now the owner of these accounts