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

Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Account number XXXX
Product: Checking or savings account

On Monday XX/XX/2022 XXXX was taking out of my account with Current using my virtual card and used at XXXX. I have no knowledge of the charge and because current doesnt operate as a real bank or a decent mobile bank its hard to get any real answers. Today a rep XXXX which I have no idea if shes even a real person cause they dont have a phone number just support in the app said my XXXX kicked in, something I knew nothing about and never received a notification for but she said it was used. I believe someone from current stole my money cause theyre the only ones with access to my account other than me and knew about the overdrive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts and inquiries or my credit report. I have rights under the fair credit reporting act that says inaccurate information shouldn't be on my credit report. Please verify each of these items and send me any written signature or agreement relating to these acounts and inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

At XXXX XXXX  on XX/XX/XXXX, I received two emails from Navient. The first was an advertisement email about my repayment options. I have been in a {$0.00} IBR plan since XX/XX/XXXX ( re-certified from XX/XX/XXXX ). The next email was a monthly statement, which I have never received before. It informed me that I had a past due payment from XX/XX/XXXX of {$440.00} and that " You're all set with Auto Pay. '' I had not received information that my IBR or Auto Pay enrollment had changed. ( I didn't, as confirmed by the customer service rep. ) I went into my account, where my Account Summary did indicate that I had a past due payment of {$440.00}, but that the Status was " No Payment Due. '' Because I like to stay on top of my finances and I am able to pay a surprise bill, I submitted payment then called Navient 's support line at XXXX XXXX. 

When I spoke with the representative, she told me that she doesn't know why it was appearing I had a past due payment and confirmed I was still enrolled both my {$0.00} IBR and auto pay. The representative also said that she has seen it happen before and tat it must be a technical issue. She said they could get rid of the past due payment by putting my account into forbearance, which would take two weeks to go through review and possibly having the past-due removed. I told her I submitted the payment because I have no problem paying it. She said I didn't need to make the payment and asked permission to cancel the payment, to which I agreed. 

After holding to speak with her supervisor, she read me the terms of forbearance, which I learned centered around payment being a financial hardship. ( Recall how I told the representative I do not have a problem paying the amount. ) I had also asked beforehand if forbearance has an effect on my credit and if it would effect my eligibility for PSLF. She said no. 

When she asked if I agree to the terms, I said, " No. '' I then said I have a question. I asked if I pay the amount, the issue would clear when the payment processed she said yes it would. So I said I would just pay the amount. 

I also realize now that I probably wouldn't have had to pay the amount listed, since it 1 ) did not line up with my repayment terms and 2 ) was listed as No Payment Due. However, after ending the call, I submitted payment for the {$440.00} because I take my debt seriously and overpay my minimums. 

I am reporting this to the CFPB to show that Navient recommended forbearance to me when it was not appropriate for my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX has the ability to remove the account from my collections because it was paid in full and that because I kept services with XXXX at the same address, I do not find it fair that they continue to report the account after it was paid. I never received a final bill or any correspondence.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  ; Account : XXXX XXXXXXXX - XXXX, Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX - XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX XXXX, - XXXXXXXX XXXX XXXX XXXX, Account : XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - XXXX has violated my rights. 15 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I have no connection with the said accounts listed. Please help me. 

Someone even has an eviction in my name in XXXX. Which I never lived I lived in XXXX XXXX my whole Life I have no dealings with XXXX XXXX I have no dealings with XXXX XXXX I was never late on my XXXX XXXX XXXX please correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I volunteered to give the car back in XX/XX/2017. They sent me a letter stating they were selling the car and that if they get more money than what was left on my loan then I wouldn't owe. However no one can tell me what the car sold for and they won't return my calls. Please contact the XXXX   and confirm the amount they sold the car for. Also they put I didn't pay in XXXX and XXXX but they had already sold the car. They send these letters to everyone who gives a car back and they sell it.
Product: Credit reporting or other personal consumer reports

I have attempted to dispute inaccuracies on my credit report from XXXX, Transunion and XXXX. There are several accounts that do not belong to me and I have contacted the bureaus by phone and mail regarding the accounts in question. The buraeaus have failed to provide the information requested to prove the accounts belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX improperly used my credit information from XXXX XXXX and placed a hard inquiry on my credit report for a loan I didn't apply for. I reported this fraudulent attempt to XXXX XXXX who never contacted me. I opened a dispute with XXXX XXXX XXXX which hasn't been resolved. I have frozen my credit accounts and need the hard inquiries removed from my TransUnion and XXXX accounts. 

XXXX XXXX requested additional identifying information for the fraud dispute and then used my personal information to process and decline the fraudulent loan application.
Product: Debt collection

Amsher Collection Services has violated my consumer rights and are illegally attempting to collect a debt in a state that they arent licensed in. Due to this fraudulence, I would like this account removed from all three of my consumer reporting agencies reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ha violated my rights.

15 USC 1681 Section 602A states I have the right to privacy 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 
15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Contacted Credit card company regarding an online purchase for event tickets which I have not received yet. The event is on XX/XX/XXXX - I purchased them on XX/XX/XXXX and expected to receive them by now. No actions were taken by my credit card company - they allowed this 3rd party ticket vendor to charge me almost a year in advance and they will not take this {$3000.00} charge off of my bill.
Product: Checking or savings account

This amends Complaint ID # XXXX and # XXXX My mother and I requested that her SunTrust account be closed in writing and we were informed by the branch manager that we would need to come to the branch in person to close the account. I left work, in XXXX, and drove back to XXXX to take my mother to the branch. Initially they were not going to close the account because my mother only had one form of ID, a State of Florida issued ID card ( my mother no longer drives ) but they relented and accepted my mother 's XXXX card as a second ID ( although it doesn't have Mom 's picture or signature on it ). When we closed the accounts we were given a notice that the account could re-open if items hit that night. I specifically asked that any credits due to Mom because of fraud NOT be posted to the account and that instead they be mailed to her in the form of a cashier 's check payable to her to her address on file and we were told that they would do so. Instead they have credited the account ( she is still due more refunds ) and re-opened the account. This causes two problems. First, this allows whoever is committing fraud on Mom 's account to continue to post items to the account. Second, I am going to have to take even more time off of work to drive Mom to the branch to close the account with no guarantee that the account will actually close because she is still due over {$4000.00} in additional refunds. If they continue to re-open the account and post items to it this becomes a never ending cycle. 

The bank 's handling of this situation has been ridiculous. They have refused to freeze the account and instead continuously post additional fraudulent items to the account causing us to call the fraud department over and over again and submit new paperwork. The last time I called them, XX/XX/XXXX, I was on hold for 51 minutes and 25 seconds before I reached an employee. They made it as hard as humanly possible to close the account and  when we did close the account they re-opened it. We moved the money from her checking to the savings account in order to protect the funds from fraud and they immediately began posting fraudulent items to the savings account in the amount of {$7700.00}. We were able to close the savings but now we have to wait for the funds to be refunded. I've asked on numerous occasions, including in writing, that I be contacted by a supervisor but to date ( and this began on XX/XX/XXXX ) no one has contacted me. 

I've worked in XXXX  for thirty-five years and know how fraud cases are supposed to be handled and this has been the most frustrating experience of my life. What do people who don't know Reg E and the rules do? I just can't imagine how people who are unfamiliar with banking rules and have no one to help them navigate this horrific system.
Product: Credit card or prepaid card

I XXXX XXXX was approved for an Amazon chase credit card on XX/XX/22. On XX/XX/22 I found out my card was closed, once I called chase bank to find out the reason why I was told by account manager XXXX my account was closed so to many recent inquiries on my credit report. I explained to XXXX those inquiries was not made by me and have been dealing with identity theft. I was not treated like a valuable client I was instead basically told thats my problem to deal with. The whole situation of closing my account just seem like a XXXX matter chase decided to do. A person account should not be closed almost a month later after going through all the necessary channels to get approve then being told account is closed down from something that has happen after getting the card and on top of that matter being closed for something I did not do
Product: Credit card or prepaid card

CARD # 'S : XXXX AND XXXX DISPUTING INFORMATION for payment not posting to account on XXXX/XXXX/XXXX ( card ending in XXXX ) and XXXX/XXXX/XXXX ( card ending in XXXX ). Both payments were made on the mobile application at different times which gave a transaction confirmed icon after made but due to it being from an outside account, I could not verify until three days later which anyone would assume would be fine ( processed ) and not noticing they were late until running my credit report. Due to the money never being pulled from my account ( up to three days later theres a delay ), the payments were never processed and the account reflected as late on my credit report. I want to dispute the LATE HITS on my credit report. Due to the system having a flaw, it should not be the consumers fault. I have called multiple times to address the issue and have had three representatives at different times state that they would get the late hit on my credit report removed but were not able to provide documentation when needed. There are various inconsistencies while dealing with the representatives and should not give out information if they can not go through with it. I have call recording confirmation numbers and employee ID numbers which should be addressed. Overall, I need the LATE hits removed from my credit report and do not have any supporting documents due to the system never removing the funds from my outside account. If the transaction went through immediately the consumers would be able to verify that the funds were removed and processed through successfully. 

Above is what I sent them as a dispute. I had processed two payments on the US Bank phone application and the payments did not go through ( originally showing that they were confirmed payments processed ). I have spent hours and hours on hold being transferred to different departments and they have not attempted to resolve my issue. I am trying to do the right thing here and get it resolved but they are not willing to help and have made it nearly impossible to resolve the issue.
Product: Credit card or prepaid card

A credit card was opened in my name in XXXX of XXXX that I did not authorize. I did not notice this until I tried to get a car loan in XXXX of XXXX. I have been trying to handle this issue synchrony bank since I found out and they keep saying this is my name, my social security number and my card. It is not my credit card. I did not give authorization to open any credit card in my name from synchrony bank luxury card. 
This has hurt my credit score and I need help to resolve this matter. I do not have any card numbers, or papers regarding this issue.
Product: Checking or savings account

I am a member of Wells Fargo bank. I made a purchase of XXXX at XXXX the first it declined due to I had my card turned off. I turned it back on and it cleared. I left the store and went to my car. transferred funds to my account, realized I forgot something went back in the store and tried to purchase some other things, my card declined, I could not understand I just transferred funds to the account. I called wells fargo put on hold for XXXX minutes to be transferred to the fraud department when I was transferred to the fraud department, I spoke with XXXX. I explained to her how upset I was and how is it that Wells Fargo did not contact me to say Customer were blocking your card to get it unblocked call us. XXXX hangs up on me when I call back. I found out that she never ever unblocked the card she just hung up on me to me that is malice. She did all of that purposely so I called back and I have the unfortunate pleasure of speaking with a XXXX  he was very condescending did not want to help me so I got to speak to a person named XXXX who was supposedly a supervisor she acted like she did not want to help me either she put me on hold I got up set only due to I thought I was hung up on for the second time. When trying to talk to her she laughed at me. Is that how customer service works. I asked for a callback from somebody higher than her. She said that would take XXXX to XXXX hours but how can a bank just decide to block your card never send you any kind of notification you find out. Your card is blocked when you try to use it and no one tries to help to unblock it. There is plenty of money in the bank. Theres no reason why Wells Fargo could not have unblocked my card it was done to frustrate me even more so yes Id like to file a formal complaint against them Wells Fargo they should not be allowed to take peoples money and just decide whether they want to give it to them or let them have access to it or not that is not how it works so yes, I tried to contact them and I got no help whatsoever from any of the people I spoke with supervisors, regular workers whatsoever. I was told it unblocked but I am afraid they still didnt do it as a customer. I should not have to be in fear as to whether I have access to my own funds or not no bank should have that much power over anyone.
Product: Credit card or prepaid card

In XXXX I had a Bloomingdales Store credit card and In XXXX of XXXX I was at Bloomingdale and when purchasing an item I signed up for the Bloomingdale Credit card and I was told by the sales associate that my store account would merge with my new card. I was no longer living in XXXX  and my new address was in XXXX. I did not use my store card that day, I actually used the new credit card that the sales associate signed me up for. I did not have a balance and believe that the {$13.00} may have been fraudulently made. I also never received a bill that their was a {$13.00} dollar balance on it for over 3 years.
Product: Debt collection

Direct Recovery Services is calling me multiple times a day from multiple different phone numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX ACCT # XXXX, XXXX XXXX  ACCT # XXXX, XXXX ACCT # XXXX, XXXX  XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX & XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, AND XXXX XXXX XXXX ACCT # XXXX, has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information about balances and on time payments is not being recorded correctly or consistently between XXXX, Equifax and XXXX. All three say they only report what they are given. The Accounts say they give the same information to all agencies. The result is my credit reports and scores are not the same. This causes financial damage to me personally when I have paid my payments on time.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau My name is XXXXXXXX XXXX XXXX XX/XX/XXXX Social Security Number XXXX. I pulled my credit report on XX/XX/XXXX. 

I reside at XXXX XXXX XXXX XXXX XXXX, FL. 

I noticed some accounts that I didnt authorize or approve which total in over XXXX of debt. 

Please remove the unauthorized account from my file : XXXX XXXX XXXX : {$4600.00} XXXX XXXX XXXX XXXX  : {$8200.00} XXXX XXXX XXXX : {$9900.00} Please send me an updated copy of my credit report. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus ( XX/XX/2024 ), but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly.