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

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that 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 or continue to report invalidated information to any of the three major credit bureaus ( Equifax, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, Iwill require 30 days to investigate this information and during such 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 legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this must be deleted and completely removed from my credit file and a copy of such deletion request should be sent to me immediately.
Product: Debt collection

This supposed law firm took a judgement out on behalf of XXXX for unpaid child care in XXXX, no where on this contract did I sign or was responsible for the debt. My children 's mother is the one that enrolled them. I was never informed of this court case in XXXX or was presented with paperwork in XXXX. I only found out about this when they began garnishing my wages this year. Upon contacting them they stated that they have tried to contact for the last several years, I have lived in a different state since XXXX upon leaving that state all of my mail was forwarded to a different address in NC. I have never been contacted via any outlet. No mail no phone calls no nothing. When I asked them for proof of debt they only sent me a computer generated statement with my children 's mothers name on it. No where is my name on their proof. When asking for other proof I was told they could n't and would n't provide. I am wantino all money that has been taken from me and is continuing to be taken to be returned immediately. They will not even prove the debt nor will the respond when I have contacted them via phone calls and email.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my report there is a closed account with huge amount of missed payments. CAPITAL ONE BANK USA Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAPITAL ONE BANK USA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I am greatly troubled by the presence of a negative rating on my account and its potential effect on my credit standing. This derogatory mark has already led to the rejection of a recent loan application and higher interest rates on my current credit accounts. I can not overstate the financial hardship and emotional strain this unfavorable rating has inflicted and will continue to cause until it is addressed.
Product: Checking or savings account

My daughter XXXX XXXX, has been sending us money by XXXX in varying amount of {$500.00} to {$2000.00} as per our request. Last XXXX XXXX, 2024, she tried to send {$1000.00} by XXXX, and XXXX replied that the daily limit is {$500.00} per day. She sent {$500.00} on that day, and another {$500.00} the next day XXXX XXXX, 2024 to complete our request. 
I did not receive both transactions totaling to {$1000.00}. Her bank account shows that both transactions is " complete '' My daughter filed a claim on the XXXX missing transactions with Chase. The Claim Number is XXXX. 
Since we are still short of funds at that time, she sent another {$500.00} thru XXXX last XX/XX/year>, this time it went thru and I received it. 
On XX/XX/XXXX, Chase credited my daughter account {$1500.00}. We were claiming for {$1000.00} only. This was a mistake. On XX/XX/XXXX, Chase immediately reversed the {$1500.00} credit and we never heard from them up to this date. 
Please see attachments for detailed information.
Product: Money transfer, virtual currency, or money service

Wensday  I entered UNITED CHECK CASHING IN  XXXX  DELAWARE to cash my tax refund  XXXX   XXXX  well every thing went ok untill i ask for my money well they told me come back and we will have your money so i think nothing of it and say ok so i go back and i am told that they can give me  XXXX  oo and  XXXX   XXXX  dollar mony orders and a prepay card with  XXXX  oo Ok so i said ok and agreed with it so it went well i spend  XXXX  oo of this money and the very nex day  i w ake up and all my money from the pre pay card was swipped clean levind a  XXXX  balance so like anybody would do i called the number on back of the card and the card respond that sorry you need go back where you had gotten it Ok so same  day i call car d i call UNITED CHECK CASHING and ask them what happin to my money they where friendly enough so they tell me oh yes we take the money of the card and that i should bring the money orders back so curious i ask WHY? The reply was " WE ARE GOING TO CASH YOU OUT AN D JIS G IVE YOU YOUR MONEY " So i say ok be rite in well then i arive to the place UNITED CHECK CASHING to get my money and when i arrived they took all my money back and say i have to PAY THEM for what it was my money then i ask if they can return my check and they say " IT GONE " of course im gon na ask what? they told me come b ack the next day and i get my check back well guess what i only got a copy of the tax check and noticed that it was allready deposited to there acct stamp and every thing so yhen i ask my personal papers  an W2 forms with my ssn and my kids ssn also my husbands ssn and the y reply OH NO WE GON NA HOLD ON TO THIS IN CASE YOU TRY TO GET US IN TROUBLE " '' SONOW I GOT NO CHECK NO MONEY AND TJEY WANT ME TO  PAY THE REST OF MY OWN MONEY WHAT THEY CRAZY THEY NEED GIVE ME MY  XXXX  back what should i do to get my money back the check was already signed by me and my son whom my husband gave his concent on video chat with the teller at the UNITED CHECK CASHING IN  XXXX  DELAWARE  XXXX
Product: Credit card or prepaid card

Citi bank/Costco My dispute has been closed. I am to pay the unauthorized charge. I did not make the transaction with the merchant. 
I innocently responded to a scam by a company purporting to be XXXX XXXX 
who was trying to refund to my creditcard money they had withdrawn for a XXXX subscription. I had to provide my account number in order to get the refund credited. 
In a few hours I learned it was not XXXX but a scammer that I was dealing with.I immediately closed my Costco Citibank account, but before I could do so, a transaction of {$1700.00} was made. ( three more transactions were denied. ) Perhaps my age is a mitigating factor as I am XXXX ... ..I am somewhat aware of elderly fraud, but " XXXX '' was professional and knowledgable and I an unwitting comsumer who fell for the fraud. 
I am therefore asking that in fairness the charge of {$1700.00} be reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws:15 USC 1681623 ( a ) of FCRA/FACTA , I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt.15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 

VIOLATIONS OF CREDITORS & EXXXX : VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS  AND ACCOUNTS TO BE REMOVED : XXXX XXXX is reporting on TransUnion, XXXX, XXXX. Account # XXXX It is reporting as a Collection/Chargeoff High Balance is reporting as {$6500.00} and in another report it is saying {$11000.00}. 

I HAVE NO ACCOUNT OR INFORMATION AND OR KNOWLEDGE OF THIS ACCOUNT HAVING THE RIGHT TO REPORT ITSELF ON MY CREDIT REPORT! PLEASE REMOVE IT OFF MY REPORT. 

XXXX XXXX is reporting on TransUnion, XXXX, XXXX. Account # XXXX It is reporting as a Collection/Charge High Balance is reporting as {$11000.00} and in another report, it is reporting as {$6500.00}. 

I HAVE NO ACCOUNT OR INFORMATION AND OR KNOWLEDGE OF THIS ACCOUNT HAVING THE RIGHT TO REPORT ITSELF ON MY CREDIT REPORT! PLEASE REMOVE IT OFF MY REPORT
Product: Mortgage

When I was younger, Wells Fargo practiced Predatory Lending by giving me an intial home equity line of credit for {$25000.00}. They then increased it to {$45000.00} and then ultimately increased it to {$120000.00}! They knew I was never going to be able to pay it back, and now, 12 years later, my balance is still, {$110000.00}!
Product: Student loan

I decided to pay off my loan early. When I called Navient on Tuesday,  XXXX   XXXX ,   XXXX  , the Navient representative acknowledged that my payment was received on  XXXX   XXXX ,   XXXX  . I was assured that next month I would receive a letter explaining that my balance was paid in full.   I did not receive any letter, so on Wednesday,  XXXX   XXXX ,   XXXX    XXXX  at   XXXX   XXXX   Eastern  Time   ) I  again called Navient. I spoke with "  XXXX . ''  XXXX  told me that a letter had been sent on  XXXX   XXXX ,   XXXX  , but he also assured me he would send an additional letter. He told me that the letter was coming from Pennsylvania.   Today is Wednesday,  XXXX   XXXX ,   XXXX  . I have not received any letters from Navient : not the first letter, and not the second letter.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing regarding a loan I obtained from Comenity Capital Bank in the amount of {$1800.00}, with a disclosed annual percentage rate ( APR ) of 28.99 % and a finance charge of {$600.00}. Upon reviewing the terms and performing the calculations, I have determined that the APR is ( understated ) by more than 0.125 %, which constitutes a APR violation under applicable regulations.
Product: Checking or savings account

I opened an account with Wells Fargo on XXXX. I never had any problems with my account until I received some XXXX deposit on XXXX the amount was {$2300.00} for the part time job I started in XXXX. I was told the amount was reported fraud. I spoke with my XXXX from the part time job. The XXXX told me that wasn't right. It happened again on XXXX for {$2000.00}. I explained to Wells Fargo again payment was for my part time job. I also received a call from a Wells Fargo representative letting me know someone called Wells Fargo pretending to be me during that time. I created a password to make sure my account is secured. The password would be used when I call in about my account. 
In XXXX of XXXX someone's unemployment payment was sent to my account by mistake. Wells Fargo blamed it on me. I told them I didn't know that was sent to my account. The money was returned to the sender no problem. I thought everything was okay. I received a call from Wells Fargo on Saturday XXXX that my account was being closed and there's nothing I could do about it. I went to the Wells Fargo ATM to get my money that I could get from the account. They would not listen to me. The blamed all mistakes in me. I made sure my account was secure from my side. The closed my account wrongfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried numerous times to log in to Transunion.com, but it won't let me. When I go to its dispute page, there's no way to select an account to dispute. Transunion makes it very hard to fix errors on my credit report. This is against the FRCA rule.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a  month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made.. The accounts have nothing to do with me..I am a victim of identity theft and the account is not my responsibility, please remove XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX   XXXX ( Original Creditor : XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This is my first 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$7000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. MARINR FINC XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Debt collection

I underwent Chapter XXXX Bankruptcy in XX/XX/XXXX. I keep getting notices and phone calls from Portfolio Recovery Associates , LLC regarding a dept that was discharged in XX/XX/XXXX. They have XXXX of my credit bureaus, XXXX reporting this as a collections account and my scores have been horrific in part due to this derogatory mark. I have called Portfolio Recovery Assoc multiple times of the past couple of years regarding this matter. My BK attorney has mailed them a letter regarding this. They wo n't stop notifying me, and they wo n't take the negative record off of my credit reporting agency listings. Please help .... 

Here is what shows up on their notices : My name : XXXX Seller : XXXX XXXX : XXXX 
Original Creditor : XXXX Creditor to Whom Debt is Owed : Portfolio Recovery Associates , LLC Account Number : XXXX Current Balance : {$360.00} This debt was previous to the bankruptcy, and shows account was opened in XX/XX/XXXX. However I believe it 's even older than that, it was bought from XXXX by XXXX in XX/XX/XXXX. Then I think Portfolio Recovery purchased the account in XX/XX/XXXX. Their information is incorrect, and they have done nothing to correct this and have this caused very negative results on my credit reports fr years. I am now keeping a squeaky clean payment record on any small credit amounts I 've now been offered and doing what I can to slowly build my scores after my chapter XXXX almost 5 years ago.
Product: Credit reporting or other personal consumer reports

I have sent over 12 dispute letters to all 3 credit Bureaus XXXX, Equifax and XXXX since XX/XX/year>. They have only responded with letters saying i did not send them. I have tried to speak to them over the phone but tell me i need to mail in or fax letters. I have for over a year and the refuse to respond or fix the issue. I have asked them for validation and do not respond. 

there for I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists
Product: Student loan

In XXXX, private student loans were taken out from Navient to attend XXXX XXXX XXXX University. At the time, I was XX/XX/XXXX years old and not fully aware of the long-term implications of these loans, particularly the variable interest rates attached to them. Despite my attempts to locate the original promissory note and other documentation, Navient has not provided these essential documents, leaving me uncertain if I am legally obligated to repay this debt. 

Additionally, I never received proper guidance or counseling from Navient or my school regarding the terms of the loans, the implications of the variable interest rates, or who actually owns the loans now ( as the current owner is listed as Navient Private Loan Trust, which I am unfamiliar with ). I am also unsure whether there was a co-signer on these loans, and my father, who might have been the co-signer, passed away four years ago. 

Given these circumstances, I believe these loans may have been issued under predatory lending practices, targeting me as a minor without providing adequate information or support. I have requested this information from Navient but have not received a response that resolves these concerns. 

Dates : Loans were disbursed on XX/XX/XXXX and XX/XX/XXXX. 
I requested information and documentation from Navient on XX/XX/XXXX. 
My father passed away four years ago - XX/XX/XXXX.
Product: Credit card or prepaid card

XX/XX/2022 in the amount of {$250.00}. I have tried to contact the company to remove this false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of ID THEFT in the past and Equifax has removed and blocked several fraud accounts. All of a sudden within the past 60 days every single account is begin re reported and Equifax refuses to remove these fraud accounts. They keep saying they have been verified accurate!!! I have gotten letters from the fraudulent creditors confirming these accounts are fraud and that they have notified the credit agencies of these and told them to remove these accounts!! EQUIFAX still will not remove the fraud accounts!!! Once more they continue to say they belong to me!!! I have sent copies of the letters I received to EQUIFAX. Some accounts were removed and some remain!!! The following are Still fraud and need to be removed!!! 
1.XXXX XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 3.  XXXX XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

The credit reporting company posted a debt to my credit report, that is not mines. The company did not even give me a letter about debt prior to posting to credit report. 

Letter dated XX/XX/XXXX but posted on my credit report on XX/XX/XXXX. I plan on suing this company as well. 

I have also filed a complaint with the Attorney General of Florida. 

The Fair Credit Billing Act ( FCBA ) provides guidelines for both consumers and creditors including procedures to manage disputes regarding billing statements. In addition, any interest accrued on the billing error has to be dropped if your claim is confirmed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported a 30 day late payment to the 3 credit reporting agencies. It show I have a 30 day late payment for XX/XX/XXXX. I spoke with XXXX and they told me I wasnt late for XX/XX/XXXX. Can this please be corrected. I was not late for XX/XX/XXXX and XXXX XXXX has confirmed via telephone call on XX/XX/XXXX at approximately XXXX est. please remove this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 items 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 items in my credit record that came about due to alleged fraud or extortion. 
Here are the aforementioned items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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