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

Experian.. 

I am in receipt of your company 's letter informing me you are handling the collection of the account mentioned above. 
However, after reviewing my records, I am unable to find any documentation of any contractual relation between you, { XXXX XXXX } acct number # XXXX and me, { XXXX  ), which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for " verification '' or " validation '' This is a request for Proof of Contract to substantiate your claim. 
Therefore, provide me a Certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. 
Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. 
Your failure to respond and provide strict proof of contract will constitute your tactic agreement that { XXXX XXXX } is not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General.

2. File a complaint with the federal Trade Commission.

3. File a police report against you for harassment and invasion of privacy. 
4. File a lawsuit against you in my county for harassment, fraud, and invasion of privacy. 
You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In the event you transfer this account to an attorney without providing proof of contract, he or she will be immediately reported to the XXXX XXXX XXXX
Product: Mortgage

We refinanced our apartment in the XXXX XXXX with HSBC. The process took a long time - since XXXX - with HSBC constantly coming up with many inquiries, which we responded to within a short time ( usually same day ). Everything was going fine, but we were out of the country when the closing happened XXXX our daughter had POA to sign the papers ). At the last minute ( after we had agreed on all the details of the closing XXXX, HSBC added a {$4000.00} charge to the closing costs, without our permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this ( XXXX XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this This is causing me financial hardships Ive tried to get these removed from my report I dont know why I cant
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment notice on my credit history report for paying XXXX XXXX a day late and would like that removed because I tried to pay a day prior and their site was running slow. The payment XXXX sent to collection isnt fair because the hospital that charged me didnt ask for my insurance. XXXX card is charging me for money they already had!
Product: Debt collection

Are account resolutions is reporting to XXXX and XXXX about a {$620.00} debt that I owe. The account was open in XXXX XXXX I was in prison at XXXX XXXX correctional facility at that time. So this is fraud .I didnt not open this account nor was I in the hospital in prison to even have this account
Product: Student loan

I spoke with Navient XX/XX/2017 and they did not want to work with me on lowering the payments.

On the websites it has that if you have federal student loans your payments may be lowered however this is often not the case.

Also, they did not discuss any payment options with me. 

Navient interest rates are too high Navient does not give options to repay on loans
Product: Credit reporting or other personal consumer reports

The department of education has failed to comply and follow through with the settlement terms set forth in the settlement entered on XX/XX/XXXX, and effective XX/XX/XXXX, for XXXX loan borrowers who are in the automatic discharge group. 

I am a full class member of the automatic discharge group. 

I have reached out several times to StudentAid.gov, my loan servicer, XXXX, and done my best to attempt to contact the Department of Education directly regarding the matter, as well as shared my experiences with the XXXX. 

I have recently as of the month of XXXX, filed disputes with all 3 credit bureaus, and all 3 major CRAs ( TransUnion, XXXX, XXXX ) have all failed to remove the XXXX XXXX loan accounts from my credit report as is required by law. 

Per the settlement, I should have received all monies paid to the Department of Education for my XXXX XXXX loans, full discharge of my XXXX XXXX loans, as well as full removal of the information from my credit report no later than XX/XX/XXXX. To date, I have received no relief.
Product: Debt collection

Account Number : [ XXXX ] Dear [ SUNRISE CREDIT SERVICE ], I am writing to formally dispute the validity of the alleged debt referenced above pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This letter serves as notice that I do not recognize the debt you claim I owe, and I demand strict proof of its validity before any further action is taken.

Under the FDCPA, you are required to provide the following information and documentation to validate the debt : 1. The exact amount of the debt, including a full breakdown of principal, interest, and fees.

2. The name and address of the original creditor, along with evidence showing that the original creditor transferred or sold the debt to you.

3. Proof that you are legally entitled to collect this debt, including a copy of any agreement bearing my signature that created the alleged obligation.

4. A complete payment history of the account, including any charges, credits, or payments made. 
5. Proof that the statute of limitations for collection has not expired on this alleged debt.

Until you provide all of the above information, you are prohibited from taking further collection actions, including reporting this debt to credit reporting agencies, under 15 U.S.C. 1692g ( b ).

Be advised that if this debt is reported to any credit bureau prior to validation, I will view such action as a violation of the FDCPA and take all necessary legal steps to protect my rights, including filing complaints with the Federal Trade Commission, the Consumer Financial Protection Bureau, and my states Attorney Generals office. 

Additionally, you are instructed to cease and desist from all further communication with me regarding this matter unless it is to provide the requested validation or to notify me that the debt is being dismissed or returned to the original creditor. 

Failure to comply with this request will result in my pursuit of legal remedies, including but not limited to claims for damages, legal fees, and other relief allowed under federal and state law. 

This is not an acknowledgment of any debt nor a promise to pay. Any further attempt to collect without proper validation will be considered harassment and treated accordingly.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX. {$0.00}
Product: Debt collection

Along with the repeated phone calls, I was strong held and intimidated into providing my personal information. The person I was on the phone with also tried to get my card number, although I repeatedly told her I will not do so and that I would need to look online for the debt. I felt extremely uncomfortable by her language as it was very aggressive and threatening. This phone call happened XX/XX/XXXX at XXXXXXXX 

Ive tried to contact this company to clarify this previously through email because I prefer to have paper trail of this of this nature. However, they just refused to email me for a year. After I forwarded them the email a year and some months later, they wanted me to call them. I then responded through email, for that is what I prefer. However they did not respond, and instead kept harassing me with phone calls.
Product: Debt collection

Unknown account and no way I owe {$540.00} on a bill. Disputed and requested validation, never received
Product: Credit card

I did a dispute XX/XX/2023 asking why if I paid off my credit card of XXXX why my credit score went down? And when they did the dispute they took that card completely off my credit! That is not what I asked them to do nor did I insinuate that by any means! I was asking why my score went down when I paid it off. That card needs to remain on my credit report!
Product: Credit reporting

I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an addresses which was also fraudulently used and that is XXXX XXXX XXXX XXXX, XXXX, nc XXXX XXXX XXXX ct # XXXX XXXX, nc XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX # XXXX and later discoverd numberousotheraccounts as well here they areacct # XXXX XXXX # XXXX XXXX XXXXacct # XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX XXXXacct # XXXX XXXX & XXXX # XXXX XXXX XXXXacct # XXXX opened XX/XX/XXXXXXXX XXXX XXXXacct # XXXX XXXX XXXX ofacct # XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I randomly received a notification of a new hard inquiry by the store XXXX XXXX, when that obviously wasn't me. This was today on XX/XX/20. First I reached out to customer service of XXXX XXXX, which they told me they can't do much unless I reach out to XXXX XXXX credit card customer service and get a letter from them. So I called them next, gave them my social, which they told me they don't even have a application from me with my personal information. I even called XXXX  customer service to see if I can speak with them, since my XXXX credit report wasn't updated with the new hard inquiry, but couldn't succeed reaching a actual representative. So I called back for XXXX XXXX customer service and explained that XXXX XXXX must have just made a mistake and explained to them what I did. I at first didn't mention that my wallet was stolen on Monday,XX/XX/2020 because I didn't think at first that had something to do with this, but felt I should say it because obviously my wallet had everything in it, such as ID, etc. I was then asked did I make a police report, which I tried to because not only was my wallet stolen, but my car was broken into. Still to this day the cops haven't called me back to do a actual report and find who did this, so I was left with the option to get in contact with you guys by the representative at XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$4300.00} XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX
Product: Bank account or service

Company not sending written communication. Address verified and email address verified. Claimed several documents were emailed and mailed XXXX yet I have not received anything but a dispute form to fill out to my email address. Missing documents include XXXX debit card, XXXX pin numbers, XXXX documents regarding the dispute ruling and status.
Product: Consumer Loan

I had a loan with XXXX Greensky XXXX Our bank shows that the amount is paid and I called to confirm that there is a XXXX balance on my account but Transition and Greensky says that the information is accurate with a XXXX balance.
Product: Mortgage

I had a chase XXXX credit card before Chase purchased my mortgage in XXXX. There is no problem with payment of the mortgage as i was able to set up autopay, but i am concerned about making the credit card payment as i can not access. The issue is my accounts will not link online. I have called multiple times to the mortgage servicing team, the credit card team, online IT help and visited a Chase branch. The only solution i was provided was to be removed as an authorized user of the credit card. 

I
Product: Debt or credit management

On XX/XX/XXXX, I was charged {$270.00} to enroll in the credit repair XXXX XXXX, rather than paying a bill in collections for {$650.00}. I was promised that the charge in collections would be very easy to dispute, and the dispute would be finalized within XXXX months. After almost an entire year later, the company has failed to fulfill their promised service. However, I have been paying {$99.00} months as a recurring charge since XX/XX/XXXX until XX/XX/XXXX. The bank was able to retrieve a refund from the merchant for the previous XXXX charges within their XXXX statute of limitations. However, I have yet to receive the additional {$700.00} back from the charges incurred from XX/XX/XXXX to XX/XX/XXXX. 

In addition to that, the company coerced me to enroll in an identity protection programXXXX XXXX XXXX that is necessary to use with their credit repair services. This was a $ XXXX  monthly recurring charge as well which then increased to {$27.00} without my knowledge. I was being charged by this company as well from XX/XX/XXXX to XX/XX/XXXX XXXX
Product: Student loan

I am looking through my XXXX account and Mohela account and the amount of student loans I took out do not match. Mohela has a higher amount than what I actually owe in student loans on XXXX ( this includes interest accrued ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated but how is that possible if the open and close date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Debt collection

Simms Associates, a dubious debt collector, is making false statements claiming that I am not making direct payments on my student loan debt to the student loan company, XXXX. These statement ( s ) are adversely affecting my credit report. I have in fact continued to make monthly payments each and every month to XXXX without fail and furthermore XXXX has continued to receive and deposit these payments into their account.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/year>
Product: Credit card or prepaid card

My complaint is with Cash App, they are holding my funds for my protection after I have identified all the specifics of my identity. 
I transferred from my bank to Cash App, the moment I tried sending money to a relative it froze my account. 
I transferred from bank to Cash App {$7400.00} on XX/XX/2020 at times XXXX, XXXX, XXXX they were rejected I tried transferring XXXX at one time it canceled the next two times I tried XXXX it also rejected. 
Just me $ XXXX and the other party named XXXX were involved. 
The company the complaint is about is Cash App.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding CapitalOne 's failure to deposit my direct deposit from my employer on Thursday, XX/XX/year>. I still do not have access to my deposit and my automatic bill payments were sent back for insufficient funds. Now I will have late fee and return fees. 
CapitalOne has sited technical issues which violates the Electronic Funds Transfer Act as it requires timely access to funds.
Product: Credit reporting or other personal consumer reports

Equifax refuses to remove two authorized user accounts from my credit file. These accounts are credit cards from XXXX and XXXX XXXX XXXX XXXX. According to law, I am not legally responsible for these accounts and they should not be reported at my request. I have disputed 3 times, and the accounts come back as verified. I request that Equifax follows credit reporting law and remove these accounts.
Product: Credit reporting or other personal consumer reports

It has been a year now that I have been disputing these addresses that I do not know about and I have never lived at any of these addresses and they are fraudulent and incorrect for me and therefore they are affecting my credit report therefore I demand that they be deleted immediately of my credit report since they are affecting me and I have been disputing them for a long time and the credit agency that reports these false and fraudulent addresses is only EXPERIAN and I want them to resolve the problem of eliminating these addresses, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX  days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( XXXX ), it is plainly stated that a failure to investigate these items within XXXXdays gives a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Payday loan, title loan, personal loan, or advance loan

Text message to reduce debt account sent to me at XXXX pm XX/XX/year> by a XXXX XXXX from emoneyusa. She demanded I contact her without a company phone number listed or email to verify legitimacy of her actions. To pay XXXX percent of an unknown balance on the account. ( XXXX ) XXXX is the number I was text from. I asked for verification of debt and asked for her to verify she was taking about the account on my credit report. No verification was given as well as she never verified any of my personal details. Since XX/XX/XXXX I have heard nothing from the company or received any account status updates, bills or notices. They have no online account access available and now demand settlement without verifying account.
Product: Credit reporting or other personal consumer reports

Experian has closed another complaint that didn't fix or address the issue but in the explanation it even states many factors make up your credit score like ON TIME NEVER LATE PAYMENTS which that's what's my issue is about Experian stealing 17 months of on time never late payments to XXXX and refuse to give them back
Product: Credit reporting, credit repair services, or other personal consumer reports

Section 605B of the FCRA allows for consumers to submit a block report to all credit reporting agencies if you have been a victim of identify theft. I am a victim of ID theft and this block request is submitted per section 605B and I ask that the CFPB help me enforce this statute upon the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I have repeatedly reported this company for not abiding by 15 USC 6802. They did not provide me the proper disclosures when opening the account. I do not have a contract with them nor have I given them permission to report anything on my consumer report!
Product: Debt collection

I had a XXXX account years ago that had 3 different telephone lines on it, I ported 2 lines to XXXX and asked the 3rd line transferred to my sister as a separate account which had her own information tied to it. As far as I knew it was her account and her responsibility. She paid her bill on time and I never received any bill or information about her account. I returned to XXXX about a year later and re-ported the numbers to a new account, which I currently use daily. I lost contact with my sister for a few years, but was made aware that she was evicted from her prior home. During this time I applied for credit and found out that she defaulted on her XXXX account and it showed up on my credit report. I was not made aware of this prior. My best guess is perhaps something was mailed to her prior address with my name, though I've never lived with her. The XXXX debt collector, Southwest Credit Systems , has not made an attempt to reach out that I am aware of or I would let them know it was not my debt. I am a current customer of XXXX and was when she apparently went into default, so I am unsure why accommodation was not made or any request to merge accounts was done if it was still under my social security number, which I asked that it not be. This is having a detrimental effect on my credit for such a low amount. I would like this resolved.
Product: Credit reporting

Released tax lien from XXXX County Register of Deeds filed XXXX/XXXX/XXXX and released XXXX/XXXX/XXXX and XXXX County Register of Deeds file XXXX/XXXX/XXXX and released XXXX/XXXX/XXXX. I relocated out of the XXXX on XXXX/XXXX/XXXX and I relocated to XXXX. According, to the Taxpayer Rights Handbook available on the State of XXXX Website, as a resident and taxpayer, I was entitled to specific notifications prior to the state of XXXX placing a tax lien on me. I did not receive proper notification. I did n't receive any notifications at my XXXX address. If I had received the proper notifications a tax lien would have never been issued. I was made aware of the liens via credit application in XXXX in the State of XXXX and immediately addressed the liens. I am requesting removal of the liens from all XXXX credit reporting agencies. I have disputed multiple times and each time Equifax, XXXX and XXXX states " the lien has been verified '' but the State of XXXX states " they do not report to any credit reporting agencies.
Product: Payday loan, title loan, or personal loan

they are charging me interest outof this world and i told them i did not have XXXX $ after i only took out the loan for XXXX $ and paid them XXXX $ something like 5 times and i still owe more than the XXXX then they will not stop from hitting my bank account after i asked them too