23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, Under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. 

In a reasonable effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, and proof of your authority in this matter. Absent such evidence, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

What is your authorization of law for your collection of information? 
What is your authorization of law for your collection of this alleged debt? 
Please evidence your authorization to do business or operate in this state. 
Please provide evidence of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and promptly will work as a waiver to any of your claims in this matter and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed.

Your continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from all sources you have reported it to.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status. 

Regards, XXXX XXXX
Product: Prepaid card

The same day the card was received as a gift and activated, charges were placed that were not done by me. They were sent all information the same day and needed nothing additional however they are not doing anything to get to the bottom of this. They can clearly see the transactions are not at all associated with myself. It has been long enough, I am requesting immediate use of my gifted funds
Product: Credit card or prepaid card

I noticed a charge on my credit card statement that I did not make or authorize anyone to make this unknown charge of {$550.00}? Upon noticing this charge I called the credit card Company Chase before my statement even came in. 

They closed my credit card and issued me a new card. Then I received a letter from Chase card services saying that they confirmed my transaction is valid. 

How could this transaction be valid again since I didn't make or authorize anyone to make this charge. The weird thing is my card was still in my possession at the time. .This was reported right away, before my statement was sent out. I frequently check my statement online for reviewing. 

It was to some concert event that hasn't even been held. Because I tried to resolve this with them directly and was told to contact my credit card. I been making several calls for help and was told about the Fair credit act?? Max responsibility for me would be {$50.00} How do I get Chase to protect me as a credit card holder, when someone got hold of all my information. Please help to assist me. Thank you
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX
Product: Debt collection

In XXXX of 2021, I discovered that a former tenant had stolen my identity. I found this during the eviction process & after reviewing my entire credit report. There were several Citibank accounts opened up in my name. I immediately notified the Citibank fraud unit and also provided them with my Police report, FTC report, Drivers license, and a utility bill. CitiBank continues to affirm the accounts stating that payments were made on the account ( s ) from a checking account in my name. Ive tried to object to their decision because there were three fraudulent checking accounts also opened by the fraudsters. I do not know what more I can do aside from filing a lawsuit against the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORTXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

XXXX unauthorized withdrawals made to my checking account in the total of XXXX dollars via teller machine. After filling a fraud investigation request with banking institution CITIBANK they have refused to investigate. I filled a police report with local agency and have given them the report as they asked. I am still being told the investigation is denied and Im not going to get my money back.
Product: Debt collection

In 2021, I gave my XXXX XXXX to my partner 's brother. The title and registration were transferred to my partner 's brother in his home state. Later, my partner 's brother got into an accident and a file was claimed. I have confirmed with the XXXX that the XXXX was not in my name at the time of the accident. The XXXX was never, at any point, registered under my partner 's name. Since then, my partner has been sent to collections and he has been sent threating letters from Jonathan Neil & Associates claiming they will attempt to have his license suspended. We contacted XXXX XXXX from Neil & Associates, but he attempted to place the onus on us to ensure my partner 's brother pays his debts. He blatantly stated that there was no point in us calling and did not state that his firm would stop pursuing legal action. We have contacted our own insurance company, the insurance company used by my partner 's brother, and the insurance company of the person who filed the claim against my partner 's brother. None of this has resulted in any action by Neil & Associates or the credit collections agency to resolve the claim. 

Claim : XXXX Complaint ID : XXXX
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 XXXXXXXX Balance : {$1600.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$790.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$9700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6400.00} ; XXXX Inquired on XX/XX/2022.
Product: Money transfer, virtual currency, or money service

I have tried to do a puppy purchase through XXXX and I got one breeder who scammed my money XXXX $ and When I called bank they are asked to call police department and they are redirecting to bank or attorney. Still he is in contact with me and trying back to do one more scam. I have their phone numbers and email id with me XXXX they are calling with and also this number XXXX. If you track them it will be helpful to stop so many scams. Also they have an email id XXXX.
Product: Debt collection

I am writing to formally dispute an inaccurate debt reported on my credit file by Portfolio Recovery Associates ( PRA ). Based on a recent enforcement action by the Consumer Financial Protection Bureau ( CFPB ), it has been established that PRA has engaged in illegal debt collection practices, including reporting unsubstantiated debt, failing to properly investigate consumer disputes, and violating the Fair Credit Reporting Act ( FCRA ).

According to the CFPBs findings, PRA has : Collected on unsubstantiated debt without providing required documentation.

Failed to properly investigate and resolve consumer disputes.

Engaged in deceptive and illegal collection tactics, including attempting to collect on debts beyond the statute of limitations.

Given this history of misconduct, I have serious concerns about the accuracy and legitimacy of the debt PRA has reported on my credit file. I request that the credit bureau conduct a thorough investigation and provide the following : 1. Validation of the debt with supporting documentation proving its accuracy.

2. Details of PRAs verification process, including whether PRA provided sufficient evidence of my obligation to pay this debt. 
3. Immediate removal of the debt if PRA fails to provide sufficient proof that the debt is valid, properly documented, and legally enforceable.

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputed information within 30 days. If you are unable to verify this debt with accurate, documented proof from PRA, it must be removed from my credit report immediately.
Product: Debt collection

Account openXXXX, XXXX XXXX XXXX XXXX original creditor Account is currently with XXXX XXXX XXXX XXXX I have sent a debt validation letter to this company and have not recieved a response from them.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A VICTIM OF XX/XX/XXXX FOR THE PAST 8 YEARS. I HAVE BEEN SEEKING THERAPY IN REGARDS TO THIS MATTER. I HAVE SEEKED MENTAL EVALUATION FOR THE HORRIFIC TRAUMA THAT I HAVE EXPERIENCED DURING THE TIME I HAVE BEEN A VICTIM OF HUMAN XX/XX/XXXX. ATTACHED ARE SUPPORTING DOCUMENTS TO SUPPORT MY DISPUTE ON 605C.
Product: Credit reporting or other personal consumer reports

I recently opened the bank account with XXXX and they went over my credit report with me and I noticed I had two open accounts from Navy Federal Credit union. Thats fraudulent accounts that I dont recognize. I am unaware of the accounts. I dont know if my information was included and the data breach with XXXX XXXX Among the other companies that had data breaches, but this is a fraudulent account and have XXXX reported it and have been hath for collections and Money and I have made Navy Federal Credit union aware that I never opened a credit card account Its one account that three reporting XX/XX/XXXX for XXXX Another account reporting XX/XX/XXXX for XXXX Im just realizing that this is on my credit report these are fraudulent accounts that I do not recognize
Product: Debt collection

On XXXX LVNV funding unlawfully brought my info and reporting it to XXXX XXXX XXXX XXXX and 15 U.S code 1692 ( g ) & 1692 ( c ) communication can not be allowed and I would like this account off all 3 credit bureaus as soon as possible
Product: Checking or savings account

I received a income tax refund on XX/XX/2021 into my checking account at citizens bank which was charged off on XX/XX/2021. Instead of them sending the check back they are holding on to my check for 15 days and are going to send me a check after. I am extremely upset by this due to the fact that I already had to wait 3 months to receive my tax refund because the irs was behind and now that they have finally sent it I have to wait almost another month to pay my past due bills that Im drowning in. I wouldnt receive my money until the last week of XXXX.
Product: Debt collection

The collections agency is using fabricated altered documents to validate a debt that they say I owe in the amount of {$4700.00}. I did live at the apartments in XX/XX/2011, but there was never a balance due in the amount being reported on my credit. The documents attached are documents the collections agency forwarded to me to try and prove their case but after reviewing the documents I realized the documents had in fact been altered. I am also planning to have an attorney to review these documents because I feel that what has happened to me concerning this issue has been extremely unfair. The amount they are asking is invalid I never owed the company this much money ever! The documents the collections agency provided had no return address on them, no contact number, and no agents signature from the original creditor, the documents the collections agency provided me as proof is totally invalid and the original creditor has no records of the debt and it farther proves that I never owed this money. The original creditor has never charged this much for any of their apartments. The dates and the amounts are invalid. I do not owe this money and I want it to stop being reported on me credit because it is having a negative effect. When I asked the representative about these documents she told me that she had a signed lease and that 's all she needed and she would list me as a refusal to pay. I told her that I disagreed with the authenticity of the documents and I was not going to send her company any more money concerning this debt. She was rude in all email correspondences she told me that there was no need for me to email her again, and she has been consistent with trying to collect this debt from me. She believes that she can collect this money from me because of the lease I signed in XX/XX/2011 which I did sign but the amounts have been changed they are not the same, and the dates do not match my recollection of the actual lease agreement that was signed. I know what an altered document looks like and the documents she sent me have been altered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX  XXXX XXXX, KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXXXXXX, KS XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX this is a billing error always paid as agreed on time this is an error this account in violation. SANTANDER Account XXXX : XXXX this inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with Experian several times and they are still reporting inaccurate information. 
I called XXXX XXXX today and spoke with a customer service representative by the name of XXXX and she does not show any delinquent information in the system with my name or my social security number or any account I have had with them in the past. She also stated that there were not any note in their system showing any contact from a representative with Experian. 
Experian is not doing a proper investigation of this account. The phone number that I called is XXXX. Experian has the account listed but no phone number provided I have old dispute results from Experian that shows those accounts were deleted in the past but now they are showing again with different account numbers but no verification information.
Product: Debt collection

This is in reference to a apartment at XXXX XXXX in XXXX XXXXI ask for early release from my lease, because I am a XXXX senior and there were dangerous and illegal activities going on there, that was effecting my health and safety. 
I called the management office several times about the problem with no help at all. Then they charged me incorrect charges, and sent me to collections for {$540.00} after they kept the security deposit of {$1100.00}. 
I want these charges removed from collections and my credit report.
Product: Debt collection

Summit Receivables has been calling several times a day, and leaving multiple messages per day on voicemail -- they left a detailed message on my cellphone before they had verified the number was mine. They left a voicemail on my manager 's phone at work as well, only minutes after they had already left a message on my cellphone ( violating the multiple contacts per day rule ). The message on my cellphone said I had made them a payment which did not clear my bank -- which is false, I have made no payments to them. They claim to have sent me written mail to verify the debt, which I have never received, and are refusing to send additional written verification. I can not contact them in writing because I have not received anything from them, to which I could respond. 

Every voicemail they have left on my phone claims I have bounced a payment *with them* which is patently untrue because I have not made any payments to anyone through Summit Receivables.
Product: Credit reporting or other personal consumer reports

1

5 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. I contacted the credit reporting companies and XXXX XXXX. 

The XXXX XXXX company is reporting a closed account on my credit report ACCOUNT ENDING IN ( XXXX ). ACCOUNT IDENTIFIER ( XXXX ). I have communicated several times by postal mail in reference to a debt validation, as the law allows me to do so. There have already been XXXX occasions that tell me that they can not validate it. I have written evidence from them indicating that they can not validate it. 

The dates of the letters received from them are XX/XX/XXXX, and XX/XX/XXXX. 

They are showing late payments, but they do not give me information, they do not validate the debt, they do not give me evidence of the late payments. It's been more than XXXX  days, and they don't do anything. Honestly, they are giving it time to see if I don't dispute, but I have and know my rights. 

The information shown on my credit report must be accurate, something that XXXX XXXX is not doing. 

These documents that I require are of great importance to verify the debt and the federal FCRA law protects me and gives me access to these documents. The documents that I am going to list below are the documents that I require.

According to federal law I have the right to access all these documents. They have from XXXX to XXXX by law to respond to this dispute, if not, they must eliminate it from my credit and send a copy of my report showing the elimination of this.
Product: Money transfer, virtual currency, or money service

My accounts was closed they're supposed to send me a check for my balance they said 7 to 10 days it's been over that I've never received anything call multiple times they've hung up on me multiple times as well when I asked to talk to the manager they refused they told me everything but actually let me and did everything besides give me their manager I'm still waiting for my check
Product: Mortgage

This is a follow up complaint to Nationstar Mortgage. They have responded to my complaint about my escrow account being used exclusively for property taxes. They claimed that they had " inadvertently, '' pulled money out for insurance back in XXXX. The truth of the matter is than when Escrow Analysis was done in XXXX of 2016, they INCREASED my monthly payment to account for the insurance. They have responded by asking my to " re-fund, '' the money erroneously sent to XXXX XXXX, where my argument is that money should have never been sent in the first place and my payments should n't have increased by {$45.00} in XXXX to account for the insurance. This is wrong and potentially unlawful.
Product: Credit reporting or other personal consumer reports

In regards to XXXX/DEPT OF ED XXXX please see my attached documents. The company has changed and updated every single account and all bueros and as you see from my documents attached you are the only agency still showing the XXXX transaction errors. My Affidavit via certifed mail was sent with 0 response and its been over 180 days. You guys keep saying you updated the account but haven't changed a thing. You have no more time fix the issue.
Product: Credit reporting or other personal consumer reports

I have recently been in the process of buying and selling a house. Because of this my credit was pulled and it came to my attention that there was duplication errors for my student loans. My federal student loan balance is just over {$100000.00} and with it being duplicated on my report it severely affects my debt to income ratio and thus my ability to buy a home. 

From reading articles online it seems this is a problem that has affected thousands of other federal student loan borrowers. My federal student loan servicer is MOHELA, they recently changed their platform and erroneously reported some students continuing credit accounts as new causing them to be duplicated on the credit report. I called MOHELA to ask them to help me resolve this and they did not give me much help over the phone other than saying they were aware of the issue and were working on resolving it. I was not satisfied with this given they caused the issue in the first place. 
I also filed disputes with each credit bureau the day I found out ( XX/XX/year> ). My XXXX and XXXX reports are now corrected as of today XX/XX/year>. However my XXXX report is not. It seems XXXX did not due their due diligence to fully investigate my dispute because they responded to my dispute request having not made any corrections to my credit report saying we verified that this item is correctly reportedwhen they clearly were duplicated. So now XXXX is delaying the resolution of my dispute and correction of my overall credit report because I have to dispute it again. I have resubmitted my dispute today with much more specific information specifically pointing out which reported student loans are duplicates of which. This delay is extremely problematic for me currently trying to buy a home.