23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX Subject : Follow-Up Dispute and Request for Proof of Debt Ownership Dear XXXX XXXX, XXXX, I am writing regarding my previous request for validation of the debt you are reporting under Account XXXX As of XX/XX/XXXX, I requested that you provide a copy of the purchase agreement or other evidence of your legal right to collect this debt. However, I have not received the required documentation within the reasonable timeframe allowed by law. 

I have also received a letter from an attorney on your behalf. I hereby request you cease and desist collection of any kind until you can provide the purchase agreement proving you own this debt Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable consumer protection laws, I have the right to request and receive sufficient evidence that you legally own or have been assigned this debt and that your reporting and collection efforts are accurate and lawful. Your failure to provide the requested documentation casts doubt on the validity of your claim and may indicate a violation of federal law. 

Additionally, without proof of a valid purchase agreement showing the chain of custody for the debt, continued reporting of this account to the credit bureaus could constitute a violation of the Fair Credit Reporting Act ( FCRA ), which requires creditors to report only accurate and substantiated information. 

To resolve this matter, I am requesting the following : Provide documentation verifying your ownership or legal assignment of this debt, including the original purchase agreement between you and the prior creditor. 
Cease reporting this account to the credit bureaus until you can provide sufficient evidence validating your right to collect the debt. 
Remove this account from my credit report if you are unable to validate the debt or provide evidence of your ownership. 


I request that you provide this documentation within 15 days of receiving this letter. If you are unable to provide the requested information, I expect that you will : Cease all collection efforts immediately. 

Inform the credit bureaus to delete this account from my credit report. 

If you fail to comply, I will have no choice but to escalate this matter by filing a complaint with the Federal Trade Commission ( FTC ), and/or my states attorney generals office. 

Enclosures For reference, I have attached : A copy of my original request for validation of this debt. 
A copy of my credit report showing the disputed account. 
Please note that this is a good-faith attempt to resolve this matter amicably. I reserve the right to pursue further legal action if necessary. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

My bankruptcy XXXX discharged on XX/XX/XXXX, one of the debt servicing company Real times resolution has been sending letter to collect the debt after discharging bk XXXX since XX/XX/XXXX to XX/XX/XXXX claiming to owe debt {$45000.00}. 

I have been trying to let the Real time resolution to know about the debt is uncollectable in bk XXXX and it is uncollectible in statue of jurisdiction over 3 years in md and never sign to reaffirmation of the debt. Unfortunately, the Real time resolution still claiming to owe the debt as of today, pls help, thank you!
Product: Credit reporting or other personal consumer reports

Equifax is being sued and there was a data breach. I am no longer confident in what is on my report.
Product: Student loan

I got a call from Perfmance SLC saying that they could get my student loans payments smaller or even forgiven. So they set up an automatic payment to be taken out of my bank account each month and the last two months they have taken {$100.00} out of my account but did not pay it towards my student loans like they said. They did however sign me up to get my loans consolidated, so they could keep taking money out of my account without ever being caught. I would like to try and get if not all but at least some of my money back for I am unemployed at the money and every little bit of money helps.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months back I filed disputes with the credit bureaus. The disputes were for. 

XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX ) I do not owe them money I cancelled them when I moved out. This is showing on Experian and XXXX. 

XXXX XXXX XXXX ... XXXX This account is over 7 years and needs to be remove. Showing on Experain XXXX XXXX ... XXXX .. This is is over 7 years old and needs to be remove ..Showing on Experian. 

Now that you have all the facts I hope you can help me with this and get these remove from my reports.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




Inquiry XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Back around XXXX. I had funds left over from my employee since I was retired. It was in my checking account for Wells Fargo bank and I had this account since XXXX. So I was under the impression that myself being a loyal customer and I was always reminded of this, I figured that would give myself a little leeway to my account. So to protect myself I had opened up two more account and just to be safe. Well. I wasn't aware that I was going to get scammed but I told the bank official and I guess with the new XXXX things change. Without warning they closed my account didn't call but mailed me letters after the fact.
Product: Debt collection

The collector has called several times per day and left messages for approximately one week. On XXXX/XXXX/2015 they called my wife 's cell phone, she asked for the debtor 's name and they refused to tell her. Today I called back and left a message, soon after the collector called me back. At that time he refused to tell me who I owed the debt to until I gave him more personal information. I refused and said who do I owe the debt to and he refused to tell me. 

To date we have not received any validation notice as required by law.
Product: Credit card or prepaid card

I was charged a late fees for paying my bill after XXXX XXXX on a due date! How is this legal and fair during a global pandemic!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 5 accounts that are appearing on my credit report that are not mine I have been mailing disputes to the bureaus and the furnishers saying these are not mine because I have not signed or used or accepted any of these charges or cards. 
The accounts are : XXXX XXXX XXXX - Acct # XXXX XXXX {$3700.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$11000.00} XXXX  XXXX XXXX - Acct # XXXX XXXX {$7300.00} XXXX  CARD- Acct # XXXX XXXX {$6600.00} XXXX CARD- Acct # XXXX {$9.00}
Product: Debt collection

During the last week of XXXX I was given a settlement offer on my XXXX XXXX account. I was assigned Sequium Asset Solutions reference # XXXX. I was told 4 payments of $XXXX would be taken monthly during XXXX, XXXX, XXXX and XXXX.It was not made clear to me that these are post dated payments. I made XXXX  payment by phone with a customer service rep. In XXXX  I decided to call a make the payment early. I made a payment for $XXXX  on XXXX.On XXXX a transaction for $XXXX by Sequium was showing on my XXXX XXXX Checkoing account, this was charged by the merchant to my debit card.I filed a dispute with XXXX XXXX and the funds were credited back to my account.I called Sequium on XXXX. The Supervisor informed me that my account was debited on XXXX because the payments were posted dated.--She also said the rep who set the payments up, set up the wrong amount.I asked if I could make the payment on or before the XXXX of each month through the automated system instead of having the account deibited. She said she would cancel remaining payments and note the account that I would make payments. She asked for the date I would make each payment. I told her I would make payments on or before the XXXX of each month.Today XXXX once again, the amount of $XXXX has been debited to my XXXX XXXX account, this was a Debit Card transaction done by Sequium.I called Sequium today and again, Supervisor XXXX said she would cancel all post dated payments and note the account I will make payments on or before the XXXX of each month(XX/XX/XXXX, XX/XX/XXXX).
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with One Main Financial. They agreed with a settlement of XXXX XXXX dollars on the XX/XX/XXXX for the loan.I went into the branch on the the XX/XX/XXXX to sign the settlement agreement for the loan. I paid the amount of XXXX on XX/XX/XXXX. I received a correspondence datedXX/XX/XXXX, stating that the loan has been paid as agreed and closed. XX/XX/XXXX I received an alert on my credit report stating that I was late paying One Main Financial in XX/XX/XXXX, ( when that is inaccurate because it was settled an paid as agreed in XX/XX/XXXX ). I called the Credit Dispute Department made them aware of the error they reported. They informed me to mail or fax in a dispute letter an the reason. I faxed the dispute letter XX/XX/XXXX making them aware of the inaccurate information they are reporting. I received correspondence datedXX/XX/XXXX stating that the information that's reporting is correct. They are reporting inaccurate information stating I was late on the account. My credit report is still showing I have a late payment from One Main from XX/XX/XXXX. I have all documents and letters to prove they are reporting inaccurate information. No late payments should be reporting
Product: Debt collection

I paid UCB ( United Collection Bureau ) in full in XXXX of 2015 for a debt owed on state of AZ taxes. In XXXX 2015, the IRS took part of my refund and paid the state of AZ. AZ has attempted to work with me to get UCB to refund the payment made to them as I now have paid twice. For 3 months, they have put me off and told me it is being researched, or that the case is closed, or that they do n't know what the state wants. I even called them with the state on the line, and they told us someone would look into it and call us back : no call back ever received. I have made multiple calls and get the same answers every time. Recently they have become rude, and put me on hold, never coming back to the line. I just want them to send back my {$250.00} please.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : Found a derogatory statement from XXXX Bank. Stating that I owed money of approximately {$1000.00} on an account that had been added to a Chapter XXXX bankruptcy in XXXX. According to XXXX Bank they were never informed of the bankruptcy. I contacted Office of the Comptroller of the Currency and informed your XXXX XXXX XXXX Bank refusing to remove the debt from my credit reports. On investigation by the Office of the Currency, XXXX Bank removed the derogatory statement and sent me a letter of apology. I found out on XX/XX/XXXX that the derogatory statement stating that I still owed XXXX Bank money was re-instated on my TransUnion credit file. I contacted XXXX Bank and was told that no one was sure why this had happened. I checked with TransUnion and the derogatory statement remains. 

XX/XX/XXXX : Found a derogatory statement from XXXX Bank/XXXX XXXX for {$300.00}. It had not appeared prior to this date. This account was also discharged in Chapter XXXX bankruptcy in XXXX. On calling XXXX Bank I was informed that XXXX Bank did not know who the creditor was that had added this derogatory statement to my TransUnion account even though I informed them that XXXX Bank had done so. They refused to listen to my complaint on my informing them that the debt was discharged through a Chapter XXXX bankruptcy in XXXX. Their response was that I contact the creditor who placed the statement even though I informed them that they were the ones that did so.
Product: Credit reporting

Challenge questions on factXXXXequifax.com to receive XXXX report were answered correctly by me. Challenge failed. Conclusion : Equifax has incorrect information on file. Calling to complain, I was sent to XXXX different phone numbers. None of the agents understood or solved my problem. They simply sent me to another number. 

The final agent sent me to a number that started the whole request process over again. 

Bottom line : Equifax 's challenge question answers are WRONG and there is no one who will correct them.
Product: Credit reporting or other personal consumer reports

I'm writing to let you know that the information below is incorrect and that I am a victim of identity theft. I've taken the necessary actions to guarantee that my identity theft claim is handled strictly in compliance with the law. I've included a report that was submitted to a federal law enforcement organization that explains the specifics of the identity theft to support my allegation. XXXX XXXX XXXX and XXXX XXXX Bankruptcy Docket XXXX I have previously submitted disputes regarding the fraudulent nature of this account, and I am deeply concerned that your organization has failed to investigate and rectify this issue. I must emphasize that this is not merely a matter of inconvenience but a significant violation of my rights under the Fair Credit Reporting Act.
Product: Credit card or prepaid card

On XXXX - XXXX 2017 at approximately XXXX XXXX I applied for a PNC visa credit card on line at XXXX. the web site does not show the fees until after I hit enter. When is saw that balance transfers included a 3 % fee I had no way to cancel the application. I immediately called the XXXX service number and explained that I did not want the card and that 's wanted the application canceled. They could not find the application of there system and told me to call XXXX and customer service would help me. iCustomer spoke to service representative XXXX XXXX and was told that the application could not be cancelled at this time. She said I had to wait for it to be processed and that I needed to call back to XXXX in a few days and cancel the card at that time. I agreed to do that but stated that I did not want the card to be reported to the credit bureaus. She said that I would have to go to each credit bureau and separately report that the card was closed to each. I do not want this card reported as I never intended to accept it as soon as I saw the transferr fees. It should be hard to stop the information from going to the credit bureaus or for the card company to correct their credit reporting. However it seems thwt the company is going to report it even though I contacted them in less the 15 after my submission and said I did not want and would not accept the card. Thank you for any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am responding to your business reporting a debt you are trying to collect on multiple accounts. You reported on all three credit bureaus XXXX, Equifax as well as XXXX by postal mail, on XX/XX/2023, and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Product: Debt collection

XXXX XXXX is fraudulently reporting and trying to collect on a charge from an old credit card that I has back in XXXX the card was lost/stolen and my identity was used to make unauthorized charges, and now 2-3 years later they sold the " fraud case '' to a collection agency. The collection agency keeps harassing me via mail, and phone calls, they have even sent a threatening letter to place me in jail if payment wasn't made on the old fraud/dispute case that has been settled and closed since XX/XX/2020. I have written proof that XXXX XXXX got the money back and it was covered under the fraud protection act. The FDIC insurance claims protection for fraud was honored to my knowledge of paying back the fraud charges. this protection is for when you have any credit card and file a fraud dispute which I did in accordance with the law. However, It's like they want a triple payment, since XX/XX/2020 XXXX XXXX considered the case closed and " wrote off '' the alleged debt. However, to my understanding, it was paid back under the FDIC fraud protection, and now falsely and illegally trying to collect a fraud/dispute case through a collection agency.
Product: Credit reporting or other personal consumer reports

On the above time and date of XX/XX/XXXX i reached out to LEXIS NEXIS to remove a Fraudulent bankruptcy case. This is a fraudulent bankruptcy account that I never applied for so I have no idea of how it still can remain on my account I never lived in the state of Indiana. As well as I also provide proof of active police report. I Have been disputing this account for the past year on my XXXX  account also the account have so inaccurate dates of it being open to support my claim for this being a fraudulent account and it dose not show on my XXXX report Account name : XXXXXXXX XXXX XXXX XXXX IN XXXX : XXXX Also the dates the fraudulent bankruptcy was filed are different as to inaccurate Date open : XX/XX/XXXX. XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I transferred XXXX from the Us to my brother in XXXX on XX/XX/2024. The transfer usually takes a couple minutes to a few hours to be completed. However, this time the transfer hasn't reached the receiver to this day. I called Money Gram the next day and they it should have been completed the same and not worry, but not happened, it only says the money is in transit. My brother went to the bank to check on the transfer and his bank in XXXX telling him that they have no information on the transfer. I called again and they opened up a claim and stated that it could take up to 90 days. I strongly believe that money gram is trying to steal my money because base on my research online I've seen a lot of people complaining about the same issue.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN FRAUDULENT MEDICAL SDERVICES FROM YOU. THE FOLLOWING ACCOUNTS WERE FRAUDUENTLY OPENED IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/2019 XXXX. XXXX I HAVE ENCLOSED MY POLICE REPORT, ID AND SOCIAL SECURITY CARD.
Product: Debt collection

My report is stating that I owe over XXXX dollars to XXXX XXXX XXXX or creditor that I had no knowledge about any account.I feel very threatened that I'm having these things on my credit report and my whole life I never borrowed from anybody or anything.I don't understand what I owe exactly but its identity theft. It may possibly be that my I'd was stolen? And someone must have used it. Can you tell me where the account they say I have is? Or what type of loan maybe? Cause its been a long time since I had even over a XXXX dollars! Some of those names and addresses aren't mine. Do I have a mortgage or vehicle? If so what do I have?
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S CODE & 1681 C 2 - BLOCK INFORMATION Regarding identify theft. 

accounts # xxxx XXXX XXXX  {$28000.00} XXXX XXXX  # XXXX {$5400.00} XXXX XXXX {$430.00} XXXX XXXX  # XXXX {$73000.00}