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

I am writing to formally dispute the debt referenced above, which you are attempting to collect on behalf of collections XXXX XXXX account # XXXX date opened XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX account # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX  account # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX account # XXXX XX/XX/XXXX I believe this debt is not mine and is a result of fraudulent activity. I request that you immediately investigate and remove all accounts related to this matter. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute debts that I believe are incorrect or fraudulent. I have reviewed my records thoroughly and have no knowledge or recollection of any account associated with this debt. This appears to be a case of mistaken identity or fraud, and I demand a full investigation into this matter. 

Please take the following actions : Provide Documentation : I require that you provide written verification of this debt, including a copy of the original agreement or contract bearing my signature and any other relevant proof that this debt is legitimately mine. 

Cease All Collection Efforts : I demand that all collection activities, including phone calls, letters, or any further communication regarding this debt, cease immediately until you can provide clear evidence that this debt belongs to me. 

Remove from Credit Report : If this account is being reported on my credit report, I request that it be removed immediately unless you can provide sufficient documentation to prove my responsibility for this debt. 

Failure to provide proper validation and evidence of this debt, or failure to remove this fraudulent account, will leave me no choice but to pursue legal action. If this matter is not resolved promptly and to my satisfaction, I will take appropriate steps, including filing a lawsuit for violations of my rights under the FDCPA and FCRA. Additionally, I will seek damages for any harm caused to my credit and any emotional distress caused by your collection efforts. 

I request a response within 30 days of receipt of this letter. Should you fail to validate this debt or remove it from my credit report, I will not hesitate to escalate this matter to the appropriate legal authorities, including the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

Please be advised that I am keeping a detailed record of all correspondence regarding this dispute and will take necessary legal action if required. I expect immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

Company will not provide verification, furthermore Ive received notice that they are trying to sue me in a state I do not reside in. There is a lawsuit filed in XXXX and I live in XXXX Im pretty sure this is illegal to do.
Product: Debt collection

When i called to pay the settlement amount i inquired with the agent about deletion of the account off of my credit COMPETELY. I was told that it would be completely removed within 30 days. The account is still on my credit, although it says that it is paid i would like it to be completely removed as promised.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX  I applied for a loan of {$500.00} which I was supposedly approved of, I never received funds and have continually contacted the company on multiple occasions. Every time I contacted the company they continued to tell me they couldnt find the account or loan Id that I was given in the signed contracts and online account/app..I have dates in which I am owed the return payments and they have yet to give me clear and precise reasoning, theyve told me the account I have is not activewhich I have a login, payment schedule, and account info and IDs for there account. Ive talked to multiple management and representatives and nobody ever calls back or fixes the issue. They tell me my account cant be found and are trying to have me run my credit again a re apply without cancelling or sending any documents stating my current account void or non active..I still havent received funds and I have tried every way to get in contact which seems to be fraud or fake. Please help me get this off my credit and close this company which has made my life very hard with all the stress and fraud!
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX and XX/XX/2021my CashApp was compromised for over {$2500.00}. On XXXX XXXX I reach out to CashApp about the fraudulent activity that occurred on my account. Receiving a response from CashApp representative on the online chat was very slow or none at all. Also their toll free number no one ever picks up the call ( XXXX ). Therefore, I also contacted my financial institution XXXX about their issues. XXXX retire my money back to my personal debit card account. However on XX/XX/2021 cash app is now demanding for me to pay back {$1000.00}. I was sent money thorough CashApp on XXXX 2021. CashApp have taken my money unwillingly. 

I am a victim of fraud through using a platform which does donot care about their Consumer 's being victim of fraud, its sneaky and pathetic how a company would prey on the innocent person over using resources to figure out the hackers who committed this offense. Now because I am just an individual I have no safety from CashApp trying to persecute me and have me help responsible for fraudulent activity on my account and people out here who are committing these crimes.
Product: Credit card or prepaid card

On or before XX/XX/2022 numerous unauthorized purchases were made to customers credit card totaling {$3700.00}. Customer and her attorney made numerous calls and have spent endless hours with various representatives of credit card company to no avail. The credit card company refuses to remove the fraudulent charges and is demanding payment. They accuse customer of being the perpetrator of the fraudulent charges.
Product: Debt collection

This debt was paid in full in agreement to delete from my report. American Express instead only deleted payment history and remarked as paid in full. They have broken agreement and violated my rights according to FCRA as a consumer and I am requesting legal action to remove this account immediately.
Product: Student loan

I have both federal and private loans with Navient. I borrowed over {$70000.00} from approximately XX/XX/2003 through XX/XX/2006 for XXXX school. I have been paying on these loans since XX/XX/2007 and have had a few economic hardships and filed a few deferments since XX/XX/2007 ( some derferments due to low income and some due to my XXXX 2 years ago whereas my income was low ). Due to high interest and late fees, my principal balance still remains to be approximately {$73000.00} after 10 years of paying towards my loans. Thanks, XXXX
Product: Checking or savings account

Some draw near XXXX from my business checking accountson XX/XX/XXXX, wells fargo returned most of them but {$23000.00}. I could make pay payrolls, rent and paying vendors. 
The bank told me that's too much money and can't help with that. 
They called XX/XX/XXXX, they will close my accounts because I am complaining too much... OMG.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX EXPERIAN all lf them reported me as a delimquent while that account was not mine.I tried to dispute.Some corrected info, some not, but never updated my score which went down from mid XXXX to upper XXXX. 
I tried talking to all of them they kept on ignoring my request
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance XXXX {$1500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00}
Product: Credit card or prepaid card

Discover closed my good standing credit card account that was opened back in 2000 without my knowledge and for no reason
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX inquiry with the credit bureaus regarding my credit report without my written consent. I never authorized XXXX XXXX to request credit report without have permissible purpose. I only have two credit cards with XXXX XXXX nevertheless there are over 7 hard injury on my credit report without my written consent. My credit score with XXXX  has dropped by 58 points and can't be fixed. I have never given written consent to XXXX XXXX and XXXX XXXX has never asked for written consent. According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. I have disputed inquiry through the credit bureaus regarding my written consent concerning all inquiry on my credit reports with XXXX, XXXX, and XXXX  under the FCRA but hasn't received a timely response regarding my written consent. Each CRA hasn't responded yet regarding my written consent. XXXX  XXXX have abuse inquiry without my written consent all with the attached document regarding inquires on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw my credit reports after being denied credit several times. There are many inaccuracies on my credit file. Account that are not mine, many incorrect names, socials etc. 
I have been disputing these errors with XXXXXXXX and Trans Union and have gotten no response nor results. It has been over 90 days and they continue to ignore me. 
My character has been defamed at the errors in reporting on my credit files. 
Please Help Me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions
Product: Mortgage

My mortgage was transferred from XXXX XXXX XXXX to PennyMac USA in XXXX 2015. Upon receipt of my first statement from PennyMac, I attempted to set up an online account to access my information and make payments. I was able to set up the account, but was not able to log in due to a message that simply stated " Error. '' I promptly contacted customer service, who informed me that there was an issue with the Web site that was being addressed. As suggested, I waited approximately one week before attempting to log in again. At this point, I encountered the same error message, so I contacted customer service again to address the issue. I spoke to numerous representatives and was assured that the issue would be fixed and that I would be contacted with resolution. After approximately 3-4 weeks passed ( and I had not heard from anyone ), I contacted customer service again because I was still unable to log in to view my account information and submit secure online payments. I was informed that the issue would be forwarded to the IT department, and I requested that this process be expedited. Last night, ( 10 days after my most recent phone encounter ), I received a call requesting that I send a screen shot of the error message because the IT department was unable to retrieve it. At this point, I admittedly became frustrated because I had requested that the issue be escalated and it took so long to hear back from someone who still had no resolution on my issue. Last night and this morning, I followed the login steps to get to the error message, and I am completely blocked out of my account. The system is supposed to generate an e-mail containing a security code to log in, and I am not receiving these e-mails as I had prior. I have spent many hours combined on the telephone with technical support, and am not in a position to continue to go in circles with representatives that have no answers to offer. After two months, all that I know for sure is that Penny Mac is deducting the monthly payments. With no access to my account information, I have absolutely no idea what my account balance is ; I have absolutely no idea how ( or if ) my payments are being applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have late payments that are not late which is effecting my credit score. Which is not fair
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove negative inaccurate accounts immediately The original agreement with acceptance now 1 doesnt have any signature 2 have only employees s signature 3 this contract isnt legal 4 if this contract or agreement doesnt match with any credit bureau why Still in my report and why Transunion have verified this account as accurate I want to hear how Transunion will explain that to a judge And is a big violation committed by Transunion even violating my rights with this unfair act
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX FAILED TO RE-INSERT ACCOUNT NOXXXX AND XXXX BACK INTO XXXX CREDIT FILES AND VIOLATED THE TERMS AND CONDITIONS OF XXXX.
Product: Mortgage

We purchased a home in XX/XX/2016. The mortgage company collects escrow for our property taxes and insurance. I have just received a notice in the mail that our property taxes were not paid in XX/XX/2016 and as of next week the delinquency will be advertised and collections, wage garnishment, bank account attachments, and foreclosure can take place. I have contacted the mortgage company three times, each time they let me know that they will fix it and get back to me. No action has been taken.
Product: Consumer Loan

I HAVE PAID MY CAR LOAN. 
I DO N'T OWE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX. I DO NOT RECOGNIZE THIS INFORMATION ON MY CREDIT REPORT IT WAS NOT AUTHORIZED.
Product: Money transfer, virtual currency, or money service

My uncle from LA ( US ) sent me $ $ $ using xoom yesterday, I've been visiting the designated agents like XXXX, XXXX, but they are all having the same feedback on me which is ( transaction number not found and their system don't receive the remittance transfer yet ) tho my uncle already successfully sent it yesterday. We need the money asap because of emergency. Please help us. Frustrating. 
Sent date : XX/XX/2021 XXXX USD
Product: Debt collection

Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Product: Credit card or prepaid card

Several charges were made on my Citibank credit card, which is a card issued by the US military for government travel. Approximately, XX/XX/XXXX, I received a fraud alert from Citibank regarding several unusual charges made to this card. I advised the Citibank representative that I had no knowledge of these charges nor did I make these charges or authorize anyone to make any charges and I properly disputed all charges as fraudulent at that time. Citibank subsequently froze the card to prevent further transactions and I was issued a new replacement card. 

The fraudulent charges are as follows : XX/XX/XXXX XXXX 's XXXX  {$57.00} XX/XX/XXXX XXXX XXXX {$66.00} XX/XX/XXXX XXXX XXXX {$4.00} XXXX XXXX {$28.00} XXXX XXXX {$9.00} XXXX {$29.00} XXXX XXXX {$32.00} XX/XX/XXXX XXXX XXXX {$9.00} XXXX XXXX {$6.00} XX/XX/XXXX XXXX XXXX {$29.00} XXXX  XXXX {$17.00} XX/XX/XXXX XXXX XXXX {$18.00} XX/XX/XXXX XXXX  {$200.00} XX/XX/XXXX XXXX XXXX {$35.00} I have never in the history of my use of this card utilized it in such a manner. This card is solely for use during military travel. On XX/XX/XXXX, almost eleven months after my dispute, I was advised by Citibank that I would need to dispute each transaction directly with the merchant where the transaction was made and until this was done, Citibank would not remove theses charges from my account. I have made several attempts to resolve this with Citibank, but they have refused to remove these fraudulent charges and I have been left with no choice but to file this complaint as I believe the Citibank 's actions are improper. Additionally, it is my understanding that consumers are not responsible for fraudulent activity with a stolen credit card or account number beyond the {$50.00} liability limit provided the consumer to appropriate actions, and I took appropriate action in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information ''. I am requesting that you promptly investigate, update and delete addresses that i never resided and may possibly be listed on my credit report due to fraud. Please remove all other names variations immediately. 

Collection Account : BRIDGECREST - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My XXXX credit card was closed on early this year because I was not making my payments. I contacted XXXX through letters stating that I was going through a financial hardship and they still closed my account as well as keeping 4 late payments on my account. For the months of XXXX to XXXX of XXXX I was struggling to make my payments because of my financial situation back then. I have been a loyal customer with XXXX since XXXX. For them to close my account and not waive my 4 late payments knowing that I was going through a financial hardship is not great customer service but terrible.
Product: Credit card

I found that a late charge was assessed to my credit card account ( Synchrony Bank, Gap VISA ) showing the last payment made on XXXX XXXX, 2015 even though my online banking account showed that a payment was clearly made on XXXX XXXX, 2015. When I called the customer service line, I was immediately transferred to the debt collection department. When I explained the situation, the customer service representative communicated that my payment was accidentally applied to a closed account and therefore showed the current account past due. She explained that she would waive the late fee and correct the payment so that it was applied to correct account. She noted that the next payment would not be due until XXXX. I thought the situation was completely taken care of until I received my statement and checked my credit card account online. Not only are they showing that the payment was never correctly applied, they have increased the payment amount from {$160.00} to {$340.00} and have assessed late fees. When I tried to call the customer service department, I was again routed to the debt collection department from which I received a recording that the department was not receiving calls today ( it is a business day during their normal business hours ). I did not want this to impact my credit history so I made a payment online, but the problem has still not been corrected.
Product: Debt collection

I do not have any knowledge of the debt with this medical provider. Nor they have gave me any information of verification this debt.
Product: Student loan

According to the Fair Credit Reporting Act ( FCRA ) Section 005B, it is illegal for Nelnet , Inc. to report information on my credit report without my permission. The Fair Credit Reporting Act ( FRCA ) was enacted to protect my credit information and restrict who is able to access it and for what purpose. Nelnet , Inc. has caused me damages related to identity theft, credit monitoring costs, and emotional distress caused by the breach.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act., XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. States I have ( he 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 wilhout my writen instructions
Product: Debt collection

I contacted the company on XX/XX/2024, regarding an alleged debt that has been furnished to XXXX XXXX, XXXX, and XXXX, which is damaging my creditworthiness, general character, and reputation. I never gave any expressed written consent to the company to obtain, compile, store, share, or distribute my personal private information. I have sent a notice and demand for Debt Validation pursuant to Fair Debt Collections Practices Act. Unfortunately, I have not received any correspondence by US Mail. The company is in default and has failed to respond.