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

I am writing to formally submit a complaint regarding a debt collection practice that I believe violates 15 U.S. Code 1692g. I request your assistance in investigating this issue and helping me resolve it.

I received a collection notice from the collection agency identified above, and I believe the agency has violated my rights under 15 U.S. Code 1692g, which mandates that a debt collector must : Provide written verification of the debt if requested within 30 days of receiving a notice.

Provide proper validation and proof of the debt.

Violation ( s ) : The collection agency failed to provide verification of the debt despite my formal request for validation. 
The agency did not properly inform me of my right to dispute the debt within 30 days, as required by law. 


I have already contacted the collection agency on [ date ], requesting validation of the debt. To date, I have not received any response or evidence to verify that this debt is valid or even mine. 
I request that the CFPB assist in investigating this matter and take action to ensure the collection agency is complying with the law, specifically 15 U.S.C. 1692g. If this issue is not resolved and the collection agency fails to validate the debt, I also request the removal of the collection account from my credit report. 

I have enclosed copies of all relevant correspondence, including my request for debt validation and any responses received. 

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

Sincerely,
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX/ {$9500.00} / XX/XX/XXXX XXXX XXXX XXXX / {$210.00} / XX/XX/XXXX XXXX XXXX XXXX/ {$240.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX  / {$84.00} / XX/XX/XXXX XXXX  / {$460.00} / XX/XX/XXXX XXXX  / {$460.00} / XX/XX/XXXX XXXX  / {$280.00} / XX/XX/XXXX XXXX  / {$0.00} / XX/XX/XXXX ( Original Creditor : )/ {$20.00} / XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OFIDENITY THEFT. I WAS ADVISED BY THE FTC AS TO MY RIGHTS AS AN IDENITY THEFT VICTIM. I SENT AN AFFIDAVIT. I WAS CARFUL TO INCLUDE ALL FRAUDULENT ACCOUNTS AND ADDRESS WHICH NEEDED TO BE REMOVE FROM MY ACCOUNT. I WAS INFORMED THAT THE BUREAU AFTER RECEIVING PROPER IDENITY THEFT AFFIDAVIT. IT HAD BEEN SEVERAL MONTHS AND EQUIFAX CREDIT BUREAU SRE STILL REPORTING THESE FRAUDULENT ACCOUNTS ON MY  PROFILE. THE LAW IS VERY CLEAR AS TO THE CIVIL LIABILITY AND REMEDY AVAILABLE TO ME ( SECTIION 616 AND 617 ) IF EQUIFAX FAILS TO COMPLY WITH THE FEDERAL LAW. Equifax HAS FAILED TO COMPLY WITH THE FCRA LAWS AND THEY HAVE NOT BLOCKED OR REMOVED THESE FRAUDULENT ACCOUNTS WHICH WEREOPEN BY THE THEIF AND NOT ME. PLEASE CONTACT EQUIFAX ABOUT THEIR ILLEGAL BEHAVIOR AND HAVE THEM COMPLY WITH FEDERAL LAW AND RESPECT THE RIGHTS OF IDENTITY THEFT VICTIMS.
Product: Checking or savings account

XX/XX/2022 On XX/XX/2022 on deposited a check for the amount of {$35000.00} dollars from my credit union with over {$130000.00} dollars worth of cash funds into my Chase Bank Checking Account. At the time of the deposit the teller advised me that the the check for {$35000.00} in sufficient funds would clear in my chase checking account within 24 hours. 

While I monitored the above listed banking transaction on a daily basis with my lab-top computer and I had witnessed that chase would not transfer my {$35000.00} dollars cash funds for a total of XXXX days. It is important to note that the funds from my credit union account were withdrawn from XXXX XXXX account in XXXX working days from XX/XX/2022 according to my credit account monthly statement and Chase Bank failed to transfer my {$350000.00} do my Chase Checking Account for another XXXX days. 

It is important to note that when I deposited my {$35000.00} credit union check into my Chase Bank Checking Account on XX/XX/2022 Chase Bank attached an alert message regarding special investment opportunities regarding {$35000.00} check deposited even though the {$35000.00} dollars did not clear in my checking account for another 12 days. 

By Chase Bank 's failure to transfer and clear my {$35000.00} dollars cash into my long term checking account has created a hardship and penalties with payment responsibility. 

I AM REQUESTING TO BE COMPENSATED MONIES DUE TO NOT BEING ABLE TO ACCESS MY CASH FOR PAYMENTS TO CREDITORS. 

RESPECTFULLY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently found out that XXXX XXXX XXXX XXXX placed a charge off on my credit report in XXXX XXXX XXXX However, I have never opened an account with XXXX XXXX XXXX XXXX and have tried disputing this fraud account through the credit bureaus, all of which were denied saying that " The company that reported the information has certified that the information is accurate. This item was not changed as a result of our processing of your dispute. '' I have filed an identity theft report about this matter and am pursuing this to erase this account off my credit report that was never mine to begin with. I have tried contacting XXXX XXXX XXXX XXXX with no help. The customer service reps are unable to provide me with any information whatsoever about this account. This needs to be addressed and looked into to see who opened an account under my identity or if this was a mistake made by XXXX XXXX XXXX XXXX. Either way, this charge off needs to be erased off my credit report as the account was not mine and it is majorly hurting my FICO score as a result.
Product: Student loan

I called into DEPT OF ED/NAVIENT in regards to 2 alleged accounts reporting on my XXXX and XXXX consumer reports. 

DEPT OF ED/NAVIENT has no record of the accounts, no original agreement, no documentary evidence of indebtedness, yet still continues to report these fraudulent accounts. 

I demand that DEPT OF ED/NAVIENT cease reporting this inaccurate, unverifiable, and incomplete information. I demand that DEPT OF ED/NAVIENT request to have both of these accounts and all remarks removed from my credit report.
Product: Payday loan, title loan, or personal loan

I purchased a ( well what I thought was a ) XXXX  65 inch hd XXXX XXXX  tv from XXXX XXXX In XXXX Indiana. I saw the ad on XXXX   XXXX, verified the tv was new at that time the owner XXXX told me about the 90day same as cash financing. I decided to do that and keep as much cash as possible since the country was basically shutting down. I purchased this tv especially so my children could do XXXX on a big screen. XXXX couldn't get the tv in my car. it was in an opened brown box. not a XXXX  box. He told me he could bring the tv to me at XXXX XXXX  the next day. He did I drug it into my living room where it set until the next evening when a friend came to mount it. I was not the correct tv and it didn't even work. XXXX tells me he will give me better tv. We take the tv back and get what turns out to be another broken tv and he again insisted it wouldn't fit in the car with the box! I '' m pretty angry at this point as I gave my old tv away and the school had just been canceled for a month. Kids like to watch tv. He came to my home the next day where the broken tv was and walked out. he told me he would get me a refund from acima. That didn't happen. I did learn he is selling 3-year-old TVs as new after a serial number search. I have a police report and all of the texts between XXXX and I. Acima refuse to cancel my account or refund any money. 
I'm attaching the XXXX  communication, Last week Acima reported I was 60 days late on this loan causing my credit score to drop 70 pts.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute an inaccurately reported charge-off account associated with LEAD BANK Account Number XXXX on my XXXX credit report. The creditor has failed to substantiate or validate this charge-off in compliance with federal laws and regulations, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : The FCRA requires creditors to report accurate and verifiable information. The reporting of this charge-off account lacks adequate substantiation, as no documentation proving the validity of the debt has been provided.

Internal Revenue Code, 26 U.S.C. 6050P : When an account is deemed uncollectible and charged off, the creditor is obligated to issue a XXXX form for cancellation of debt if the forgiven amount meets the reporting threshold. In this case, no XXXX form has been issued, which raises doubts about the legitimacy of the charge-off. 

Consumer Financial Protection Bureau ( CFPB ) Guidelines : Under CFPB rules, creditors are required to ensure fair, accurate, and substantiated credit reporting practices. Reporting this account as a charge-off without proof of its validity XXXX constitute an unfair and deceptive practice in violation of the XXXX XXXX, 12 U.S.C. 5531.
Product: Credit reporting or other personal consumer reports

There are late payments incorrectly reported on my credit file, which dont match my regular payment habits. Please amend these errors and update my account.
Product: Money transfers

Asked for correction of a XXXX from Suntrust. They refused our bank also. We moved our funds from one IRA to another IRA at XXXX. XXXX told us to get a cashiers check made out to XXXX doing business for XXXX and XXXX. We did. We did not touch the money, but they show us as a gross distribution, not a transfer. Our bank, XXXX, called and talked to their IRA department. They were told that Suntrust would throw their forms in the trash and would not correct this. Suntrust also told us we would have to go back to the bank in XXXX, GA that handled this. We live in XXXX FL now.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$170.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4700.00} ; US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) XXXX Balance : {$9800.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I was first called by someone stating she was from the courts and was calling to see if I would be served at home or work? 
She gave me the phone number of the company. Also, had the wrong address, I was so nervous, I gave the correct address, the summon lady, did mention that they should have sent me a letter, but since I never got any letters from them and have moved from my previous address that they could not do this. But told me to call them. 

I called XXXX XXXX XXXX ( XXXX ) XXXX spoke with XXXX XXXX EXT:XXXX they said if I paid something that it could stop the person coming to my home. I called and the company stated that I would have to pay that day and set up debit card payments, I paid {$84.00} but then they said that XXXX bought the debt from Cash Store. The only problem is that I have been paying on that debt with another collector Cottonwood Financial, which has sent letters and proof of my payment to my email every month. XXXX claims that Cottonwood is a SCAM, not to take to them. Cottonwood claims XXXX is a Scam. 
I could find Cottonwood Financial on the XXXX site, search by phone and name and both were found, but I can not find XXXX XXXX XXXX anywhere. They took a payment of {$84.00} even though, I have been paying Cottonwood Financial {$25.00} per month and have been on time. But both are claiming they are a fraud. Also, called Cash Store Corp. and was told that once they sell the loan, they have nothing they can provide as proof, I own {$1500.00} remaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXXXXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to complaint # XXXX 1. Account name : XXXX XXXX Bank Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices. 


2. Account name : XXXX XXXX Bank Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX are reporting a charge off on my credit report from XXXX XXXX This account was paid and should not show on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/ 2022 at XXXX XXXX 1 Messenger GFPB WRITE UP all a 0 In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I am on day three of not receiving my direct deposit, I am past due on bills, no groceries in my house for my family, no gas in my car to get to work or doctor appointments and Capital One can not and will not answer the questions Ive asked ; what is causing the alleged outage? When will our funds be released? Who is your third party vendor? My calls keep getting disconnected anytime I ask to speak to someone, they are posting marketing advertisements on their social media rather than reassuring their customers. This is causing emotional and mental distress. I am not sure what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove the inaccurate informations that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items not later than 4 business days after the. Ive already included this in my previous Complaint # & I am including it again.Here are the inaccurate items that needs to remove : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX Balance : {$8700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : XXXX XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Former : XXXX Former XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, NY XXXX Previous Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Collection/Chargeoff XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1300.00} XXXX XXXX  XXXX XX/XX/XXXX {$4900.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$10000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$340.00} Late Payment XXXX XXXX XXXX Inquiries XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX 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 XXXXXXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, OH XXXX. THIS IS THE 3RD TIME I have had to complain about my personal information that is not correct : My name is XXXX XXXX XXXX please, please delete any other version of my name. My SS XXXX and is DOB XXXX. Please delete the following fraudulent addresses from my credit XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX. 
The following phone numbers are not mine : 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. 
I have an unverified account from the following companies : XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX. I am filing an FTC ID THEFT report as well as a XXXX Police report. 
My income was affected due to the COVID 19 PANDEMIC I was never assisted with payment relief under the CARES ACTS! The CARES Act calls these agreements accommodations. I am disputing XXXX # XXXX late payments from XXXX, XXXX, XXXX, XXXX I was told that they would be removed due the the GOV mandated of student loans.
Product: Student loan

I have had the same issues with NAVIENT with my loan. The loan started at {$40000.00} and now it is over {$120000.00}. Every time I have tried to get some kind of repayment that I could afford I ended up with a forbearance. I then just last year tried to contact them to try to negotiate a one time payoff of my loan to pay off what I originally owed and a bit more to take care of this loan. took me over a month to track someone down to talk to then was told that the loan is actually owned by a foreign company and that they would never negotiate a buyout they would rather I not pay and let it keep growing. This is so sad that I want to payoff what I originally owed to take care of this but they are not wiling to do that. We need the government to step in and help us take of our student loans. I dont want a free ride I want to pay for what I originally owed.
Product: Credit reporting or other personal consumer reports

Experian, Equifax, and TransUnion are continuing to report a fraudulent account related to an alleged loan from XXXX XXXX XXXX. I formally disputed this account and requested documentation validating the debt as well as with the credit reporting agencies as well. In response, XXXX XXXX XXXX provided a contract that clearly belongs to another individual, with my name forged in certain sections to make it appear as though the account was mine. And the credit reporting agencies are validating and continuing to report the debt as valid and accurate despite me providing proof and them failing to investigate. I have documented proof of this fraud. 

Despite this, all three credit reporting agencies continue to report the account on my credit file as valid. This violates the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to ensure the accuracy and integrity of the information they furnish. The agencies are now in possession of evidence showing that the account is fraudulent and unverifiable. 

I am requesting that Experian, Equifax, and TransUnion immediately delete this account from my credit report, as there is no legitimate evidence tying me to this debt. Continued reporting of this fraudulent item is causing ongoing harm to my creditworthiness and financial standing.