23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have never done business with DNF ASSOCIATES, I am unaware of any contracts or sign statement with this company. I have no business dealings with them.15 U.S. Code 1692g ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. There is a issue never had any notice no paperwork as to the transfer of title of ownership, who is this third party collections agency. Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I was checking my credit and I found these accounts that don't belong to me. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. These accounts are the result of identity theft. None of these fraudulent accounts are related to any of my legit transactions. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. 

These are the fraudulent accounts : XXXX that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX OF XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXXXXXX opened last XX/XX/XXXX, DEPT OF EDUCATIONXXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX, and DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX I called 1st Franklin and asked about a settlement on my account. They told me to bring in 65 % of the balance and we could do so. I then called the Regional manager and explained the same thing, she said to bring in {$5500.00}, that I borrowed from my XXXX, and then they'd release my title and settle the account. Once I got there the rep that closed my loan states she didnt know what was discussed and that she could only release the title but refinance the remaining balance, which wasn't discussed ( I have recordings ) I was so upset that I called the VP of the XXXX XXXXXXXX who instructed me to send in the recordings I have to back up what I was saying, which I did, thats been since XX/XX/XXXX and I still havent heard anything from anybody about the settlement of this account. I didnt even originally borrow from this company, they bought the company that originally financed my car, but says they don't have my pay history with original company for me to reach out to them ( but you guys bought them so how can I? ) which is odd. Now that they've got my {$5500.00}, I was told oh it was a miscommunication error we can't settle the account with a VP approval. I was VERY clear, being that I dont have the money to just bring in {$5500.00} that I borrowed from my XXXX to close a account thats still open. This is loan sharking at its finest being somone who works in finance. NO ONE has called me back I've called corporate more than enough to try to follow up nothing, yet they call for a payment. Why is my payback still XXXX? This account should be settled as promised or you all should haven't had a miscommunication error. I WAS VERY clear as to what was to take place upon me bringing in my money. I feel I was forced into another 3 year contract bc although I paid my money I couldnt get my title unless I signed the papers she handed me. Last I talked to Regional manager the only thing she said besides it was miscommunication was that " We'll we have your signiture '' This is loan sharking and I can't believe companies get away with this
Product: Credit reporting or other personal consumer reports

I made security deposit with XXXXXXXX XXXX XXXX XXXX for XXXX card after missing several payment bank refused to accept payments never refunded security deposit and turned over account to collection agency illegally reporting as unsecured credit on my credit report with bogus fees equal to {$600.00} refused to correct illegal reporting or return my security deposit and continues to illegally report this on my credit report I want them to delete the account from my credit report they never lost any money since security deposit was equal to amount if credit they issued itsxa scam they run with collection agencies. Delete this account for XXXX secured card from my account the amount is incorrect and its secured not unsecured card they are reporting illegally through several collection agencies conspired with them XXXX XXXX XXXX and some other collection agency XXXX cant recall
Product: Student loan

Mohela refuses to respond and confirm that my PSLF application has been received. After being told by XXXX XXXXXXXX XXXX that my application was transferred to Mohela months ago, I have still yet to get confirmation of them having my application. The deadline for the PSLF Waiver is in several weeks. I understand they are busy and the processing of the application may take some time, however all I am looking for is verification it has been received and is waiting to be processed. The phone number is no longer working. I can no longer get in touch with Mohela. Previously when the number was working I would be on hold for hours, often having the call dropped. One time I was told to resubmit my application to them as they did not get it, which I did. I sent my application certified mail so I know they received it, yet they still are telling me they do not have it. They told me all mail received to date had been updated and therefore why my application was not showing up as having been received was very confusing. Customer Service is rude and not helpful. In order for me to qualify for the PSLF Waiver my application must be received by XX/XX/2022. I need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}, {$0.00}, {$880.00}, {$0.00}, {$1100.00}, {$1500.00}, {$900.00}, {$1600.00}, {$570.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1.  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$880.00} -This is not my account. 

-- AUTO ACCOUNT 5. XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

7. XXXXXXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1500.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$570.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 168i ( 5 ) I received the notification that the investigation was completed and notice a lot of things were still the same. Experian, XXXX XXXX did not modify or remove inaccurate information from my reports. Personal information such as addresses, account open dates, last active days, balances, dates of last payments and payment history data are not correct which is a violation. I am a divorced woman mother of XXXX and this is impacting me from moving forward to buy the car I need to go to work everyday. I attached my credit report and highlighted the inaccuracies they didn't removed
Product: Debt collection

Jefferson Capital System XX/XX/2020 debt collection in the amount of XXXX never received any form of validation letter via mail or electronic from this company.
Product: Mortgage

When buying my first house, while shopping for a mortgage I decided to proceed with a certain bank based on a specific rate and no points. The bank representative suggested to proceed locking the rate and we did it ( looking back it seems I was just told it was ). 

Once the loan application was conditionally approved, a month later, a point was added to closing costs without informing me. 
I realized it the next day and immediately informed the bank, requesting to remove the extra point. 
The bank refused to remove the point, taking advantage of my necessity to close the purchase and mortgage asap in order to push me to accept the extra payment. 

Looking back at the documents provided by the bank, I recognize that wordings and fine prints might be against my position. But the description of the steps and explanations provided by the bank representatives along the process and the large amount of documentes requested every other day to feed the approval of the loan, put a first home buyer well in disadvantage against unfair treatment.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, XXXX, am acting on my own as a natural person and consumer. There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Please delete these items listed below IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what I am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX XXXX : XXXX XXXX XXXX UCC 1-308
Product: Checking or savings account

Hello, I'm in a difficult situation because Citi bank is holding my {$75000.00} and closed my account without returning my balance for the past two months. 

I opened a savings account with Citi bank in XX/XX/XXXX, and deposited {$75000.00} to earn their promised cash bonus of {$1000.00} after keeping it there for 90 days. 

On XX/XX/XXXX, after completing the 90 days, I tried to withdraw some of my money to another online bank. The next day, I noticed that Citi bank had rejected my withdrawal transaction and locked my account instead. My account became inaccessible, so I contacted their customer service, and they informed me that they had decided to close my account due to security concerns. They said that they would send me a letter with an explanation within 30 to 60 days and a check for my balance thereafter. 

It has been 60 days since I was informed of the account closure, but I still have not received any letter or my money back. They have also not paid me the promised {$1000.00} cash bonus. 

I believe that Citi bank purposely locked my account and has been using my {$75000.00} for five months now. 

Could you please help me with this situation? 

my account information in Citi bank is Account No : XXXX Name : XXXX XXXX Cell phone : XXXX Addr : XXXX XXXX XXXX XXXX, XXXX, CT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX, Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is regarding account # XXXX which you claim my account was late 1 time. Please UPDATE this account to CURRENT on all 3 Credit Bureaus ( XXXX, XXXX and XXXX ) with NO LATE PAYMENTS. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. 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. My reason for disputing is : my contract was current. 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 Fair Debt Collection Practices Act ; 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 {$5000.00} in damages 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 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 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. -- Very Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  has refuse remove fraudulent accounts and inquiries this is the 3 time writing complaint and my 12 time calling equifax please help me This are accounts Are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to you guys about some items on my credit that not mine. I thought this was taken care of but there are still items on my credit that are not mine. I have contacted FTC   and the police and I'm doing this on my own. Chapter XXXX  bankruptcy, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX. There are also inquiries on my report that are not mine. XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX 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

I disputed this charge several times using XXXX XXXX. I settled this debt already with another collection agency before it was sold to this collection agency called DEBT RECOVERY SOLUTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

103 claims true identity fraud/account fraudulently opened the original creditor for this fraudulent accounts listed XXXX  Report Number : XXXX XXXX  File Number : XXXX Account name : XXXX XXXX {$3500.00} Account Number : XXXX Date open XX/XX/XXXX Account name : XXXX XXXX XXXX Account number XXXX date opened XX/XX/XXXX Account name : XXXX XXXX {$1500.00} Account number XXXX i called these companies and give them my personal information and the could not find me in the system. i do not understand how i can not address the fraud with them! please assist me on communicating with these 2 creditors to validate that this is identity theft ..also when i got off the phone with XXXX XXXX about a day went by when my caller id said " SCAM LIKELY '' i answered it and it was call from XXXX XXXX XXXX i thought this was another fraudulent account but it turns out that XXXX XXXX sold XXXX debit to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , GAXXXX. also i recently found out i was involved in the data breach with Equifax in XXXX this is my FTC report number XXXX these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with unrecognized addresses on my credit report I need removed. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. The following addresses are not known and need to be deleted asap : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX   XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have no ideal how these addresses became associated with me or my credit file!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, XXXXection 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 accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account : 1. XXXX XXXX - The following account is not mine 2. XXXX XXXX XXXX - section 609 you're required to send me original paperwork that verifies its account otherwise this is false information 3. XXXX  - The inquiry was not authorized 4. XXXX XXXX - Identity Theft 5. XXXX XXXX  XXXX - section 609 you're required to send me original paperwork that verifies its account otherwise this is false information. 


* Please remove all non-account holding inquiries over 30 days old. 

* Please add a XXXX Suppression to my credit file.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 602 A SECTION 2 : it also states a consumer reporting agency connot furnish account without my written instructions 15 U.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 item 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.
Product: Debt collection

I received multiple phone calls and voicemails from Harris & Harris at XXXX in XX/XX/XXXX. I called their direct line XXXX on XX/XX/XXXX to request written communication as is my right. I was transferred and the call was disconnected. Then I was placed on hold ( 15th caller in queue ) for 10+ minutes. At 10 minutes, I was still the 11th caller in queue and hung up. I do not owe any debt.
Product: Debt collection

Portfolio Recovery continues to allege they have rights to collect a debt from me which is not true. I pulled the companies articles of incorporation and Portfolio Recovery is not mentioned in the companies documents as a party of interest in the companies business practices which is public record. The state requires each business to outline their business practices and what they will be doing. Portfolio Recovery is not listed in the original creditors paperwork therefore under whose authority do they have authority to collect for the company in question. I am not disputing the debt but rather the right they have to do business for the business in question. Furthermore debt collectors purchasing contracts do not give them full rights and this is listed in the federal registry so is Portfolio Recovery alleging they do not have to follow federal regulations because if they do not I would like the paperwork that excludes them from these regulations. I would also like a copy of the authority declaration that they have with the company that must list the board of directors or any attorney in fact paperwork they have to act on behalf of the business.