23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This letter is regarding an account established in XX/XX/2014, which you claim I owe {$1100.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

MOHELA XXXX XXXX XXXX XXXX MO XXXX Subject : Formal Dispute of Student Loan Obligations and Demand for Immediate Cancellation To Whom It May Concern, I am writing to formally dispute the student loan obligations associated with XXXX XXXX XXXX XXXX XXXX as held by MOHELA. This dispute arises from serious legal violations and breaches of federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ) and the Higher Education Act. 
It has come to my attention that my personal, educational, and financial information has been improperly accessed by unauthorized third parties, including but not limited to XXXX XXXX and affiliate entities. This unauthorized access to my confidential records constitutes a flagrant violation of my federal privacy rights. As such, it nullifies any enforceable loan agreements under federal law, and I hereby demand the immediate cancellation of all financial obligations related to these debts. 
Given the severity of these violations, I expect a prompt and thorough investigation into the circumstances of this breach, along with the immediate cessation of any attempts to collect on these loans. Under the circumstances, I also request written confirmation that my federal privacy rights have been restored and that all related loan obligations are rendered null and void. 
I look forward to your prompt resolution of this matter and expect confirmation of cancellation within 30 days of this letter. 
Sincerely, XXXX XXXX XXXX XXXX Student Loan # XXXX
Product: Debt collection

This account that National Credit Adjust is reporting is not mine and I have no knowledge of this account please cease & desist immediately. I will go the proper routes to further dispute & investigate potential fraud. 

I was alerted today XX/XX/23 of this account on my credit profile in the unpaid amount of {$5400.00} and I have disputed it with the credit bureaus & filed this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$10000.00} {$10000.00} {$10000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Closed - Closed or paid accountXXXX  balance Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX as of XX/XX/XXXX i have noticed fraudelent accounts and inquiries on my credit report and consumer reports 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently informed by my mortgage XXXX that she was not able to pull my credit score and credit report from Equifax. I contacted Equifax on XXXX XXXX and the customer representative told me that they were not able to locate my credit profile and my name, and social security number. Further, the customer rep told me to fax my id and SSN over by fax to XXXX. A transmission report indicating that my fax was successfully sent over to the abovementioned fax. When I called Equifax after their XXXX hour processing timeframe, the customer rep told me that they did not receive my fax. I ask if there is a way for me to securely sent over my information, so that this time for sure their company have received information. Yet the customer rep told me that I have to fax to the abovementioned fax number or mail. XXXX is not listed as a fax on Equifax 's information center or webpage. I suspect that this could potentially leak my confidential information out. 

For whatever reason, when I ask to talk to the customer rep 's XXXX, the customer rep transferred me to their Consumer Affair department ( CA ). The CA, then, confirmed with me that they indeed received my ID and my ss card. But for whatever reason, Equifax does not have my credit profile in their system, and the CA will start an investigation on my file. CA asks that I call this number, XXXX, to get an update. 

Fast forward, after two weeks, I tried to call their CA department and their general line, none of them seems to be answering any of my calls. 

The problem of not having my credit profile from Equifax has caused me many problems. I was denied of a mortgage because Equifax was unable to furnish my credit report and credit score. I am not able to get a mortgage from any lenders because Equifax was unable to provide the lenders with my credit information. 

On the other hand, XXXX XXXX XXXX XXXX and XXXX do not have this problem, XXXX and XXXX reports my credit information, history, and other credit accounts accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is reporting incorrectly by XXXX, Experian and XXXX. Previously, account reported account status of derogatory with payment status of collection charge of with a balance of {$1200.00}. Recording a date of last payment of XX/XX/XXXX by XXXX while Experian and XXXX XXXX reported no data for date of last payment. payment history was reporting OK as agree all the way from XX/XX/XXXX through XX/XX/XXXX by XXXX while experian reported eight consecutive charge off all the way from XX/XX/XXXX through XX/XX/XXXX and again XXXX XXXX is not reporting any data whatsoever. Information reported on payment history and date of the last payment for XXXX makes no sense as dates do not match and for this reason I had previously disputed account asking to delete immediately as account is a mistake itself. Instead investigation results came back still incorrectly account is now reporting account status of being closed with a payment status of charge off With a balance of {$1200.00}. Recording a date of less active of XX/XX/XXXX by XXXX XXXX and XXXX while experian is reporting a date of last active as XX/XX/XXXX. Data that was being recorded on date of last payment by XXXX has now been deleted giving nothing to show where on payment history XXXX has deleted all payment history replacing it with consecutive charge off as if it was some sort of payment method. Account is now being reported as closed and no payment should be reported on payment history on a dead account. There is no way that all three bureaus can be right if information is coming from the same furniture data. Account is a total mistake itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is aware that I am a victim of Identity Theft, yet they still have not removed this incorrect information from my report. They also have not provided any validation documentation for the following information : XXXX XXXX XXXX XXXX  Early Warning Services is reporting both XXXX XXXX, and XXXX XXXX XXXX XXXX on my consumer report. Despite numerous attempts to have this INCORRECT information removed, it is still being reported. With this incorrect information being reported, I am unable to obtain any membership through my local credit union.It is highly ILLEGAL to report incorrect information. With this false information reporting not only does it violate my consumer rights, but it damages my financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

Made an online purchase only to an item that was unavailable, and the merchant canceled the order. The total amount was for {$260.00}. Cash App now wont release my money back to my account with out giving me any explanation on why the have a hold.
Product: Debt collection

I had an account with XXXX XXXX and singed a two year contract. After five years I cancelled the contract, be fore canceling I called a representative at XXXX XXXX and they insured me their was no penalty for canceling. I never renewed or agreed to renew my contract. Shortly after that they sent me a bill for XXXX. I have made several phone calls to XXXX XXXX. They can not justify the billing.. In spite of this they turned the matter over to a collection agency and filled a negative claim to credit reporting agencies. I have contacted them buy phone and by mail, and they still have a claim against me. .
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXXXXXX XXXX XXXX ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  XXXX and as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I received services from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The provider is in my insurance network. They filed a claim and were paid the negotiated rate by XXXX ( who use the XXXX XXXX  ). My deductible was satisfied at the time of service, and the maximum out-of-pocket had been reached for the year. It appears the provider made an error and did not code the account as " in-network '' for insurance purposes. They applied the payment from my insurance provider and billed me their regular rate, not the contracted rate with the insurance provider. 

I received a collection letter dated XX/XX/XXXX from Revco XXXX XXXX. I responded in writing on XX/XX/XXXX, providing a copy of the Explanation of Benefits from XXXX. 

I received additional communication from Revco dated XX/XX/XXXX indicating they investigated my dispute and the balance is deductible, copay, or coinsurance. That is incorrect. They clearly did not perform an investigation. 

It appears Revco Solutions is using tactics to collect debts that are not owed.
Product: Debt collection

Repetitive phone calls to place of employment identifying themselves, XXXX XXXX XXXX, and asking to speak to me using full name and under the guise of a " personal financial issue. Aggressive and unprofessional.
Product: Debt collection

The company called and spoke to the receptionist. They asked for my last XXXX SSN and informed the receptionist they were calling to verify employment for debt collection. My fellow co-workers did not and should not know of my current financial status. It has also damaged my reputation in this brand new position in this new job. I do not think informing my co-worker that they are calling to collect debt not asking for her to reveal my SSN ( which as a regular co-worker she does not have access to ) is appropriate or legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

my home loan officer had ran my credit for the following mortgage loan companies without my consent XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX, XXXX, XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, also a XXXX  XXXX XXXX credit card was applied for online without my consent on XX/XX/XXXX XXXX was ran on m y credit when I was getting a cell phone without my consent as well on XX/XX/XXXX Also, when I went to the dealership XXXX of XXXX ran my credit through XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX  without my consent when they said they were not going to pull my credit report. I was inquiring how much my payment would be if I bought a car with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my consumer report I noticed incorrect personal information and unauthorized inquiries. the incorrect information and unauthorized inquiries will be listed below. I also attached my FTC report along with my identification. 
incorrect personal information Name XXXX XXXX correct name XXXX XXXX XXXX XXXX addresses XXXX XXXX XXXX AV XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I see information on my credit report that is incorrect, can you please verify this is correct. 

In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account you post on a credit report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify their account have hurt my ability to obtain credit. Under the FCRA, unverified account must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. 

XXXX XXXX XXXX XXXX XXXX The accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

In accordance with the fair Debt Collection Practices Act. collectors are not allowed to communicate with me under the 15 USC 1692C 15U.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 15U.S.C 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C,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. 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported.

Once you have finished your investigations, send me an updated credit report to the address stated above.

Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

I made a purchase in XXXX from XXXX. I returned the item in store. To make the return you have to get in the app, get a card and double tap it on the payment screen which I did. I received an email about my order being refunded on XX/XX/XXXX but recently I went on the site and seen that I was still paying for the order Ive been going back and forth with Afterpay, providing them screenshots from XXXX showing the refund, photos of emails Frm Afterpay stating I would also receive a refund but they Dnt seem to understand that I may have been given a refund but I am also still getting charged. I just received a text message stating I have a payment due, for an order I returned!
Product: Credit card

I received a phone call from Bank of America. A person named XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Florida XXXX applied for an XXXX XXXX XXXX Credit Card. The Bank called to verify if i new this person and I do not. He apparently has my last four digits to my social security card and my home address. I was provided a case number XXXX XXXX. I was also asked if I received any notification from XXXX XXXX XXXX XXXX XXXX  about a data breach in which i did not.
Product: Debt collection

I contacted FCO on XX/XX/XXXX in an attempted to settle my account. In speaking with them, they refused to negotiate a settlement with me. On a previous date, FCO contacted me and stated if I paid 40 % of the balance then it would settle my account. I asked if they would allow me to pay-to-delete and advised they would not. However they stated " it would be good for my credit '' if I pay the balance anyway and have it shown as 'paid '. They advised they would not delete and this was my only option. I spoke with the on XX/XX/XXXX and was advised now I would have to pay 80 % of the debt now and the previous offer had expired in XXXX. The personnel advised I missed the final time for that option in XX/XX/XXXX and now I would have to pay 80 %. She advised they will still not delete the debt even if I made the payment. I explained that Im currently in the process of buying a home but cant get approved due to this account. At this point, this company is causing me Financial Damages. My ask is for the CFPB to assist me with resolving this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

i'am writing to dispute several accounts on my credit report in accordance with the fair credit reporting act the following accounts : XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX, SC XXXX phone number ( XXXX ) XXXX. 
XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX TX XXXX phone number ( XXXX ) XXXX. 
XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX phone number XXXX. 
XXXX XXXX XXXX account number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXX phone number XXXX. 
XXXX  XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX phone number ( XXXX ) XXXX, has violated my rights. 
15 U.S.C 1681 section 602A states i have the right to privacy.

15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnished a account without my written instructions.
Product: Vehicle loan or lease

WELLS FARGO DEALER XXXX XXXX XXXX XXXX, NC XXXX. HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF XXXX. THE COLLECTION HAS BEEN REPORTED AS PASTED DUE BALANCE. I ALSO HAVE PROOF THAT I OVER PAID AND THEY WAS SUPPOSE TO SEND ME A CHECK OUT AND NEVER DID!
Product: Credit reporting or other personal consumer reports

I have applied for personal loan with CITI Bank on XX/XX/XXXX about XXXX $ for 2 years term. It's declined. Everything was fair till this step and my XXXX XXXX XXXX was around XXXX points. I got a letters after one week of application about that showing my credit score is XXXX. My XXXX credit score was never below XXXX. This is incorrect information regarding my credit report.
Product: Debt collection

Unbeknownst to me, XXXX XXXX XXXX, XXXX. filed a lawsuit against me without informing me. I received numerous attorney advertisements via USPS stating that XXXX XXXX XXXX has filed a lawsuit against me to collect a credit card debt. I went online to the XXXX XXXX XXXX XXXX XXXX website and saw that they violated HIPAA by sharing my doctors information and tests that were conducted on the credit card statement XXXX XXXX XXXX posted publicly for the whole world to see. This information should have been redacted. This has caused severe stress and anxiety. I am XXXX with a severe and debilitating illness. They violated my privacy and caused my health to decline even further.