23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

VALIDATION OF ACCOUNT Account # : XXXX To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company $ XXXX. 
This letter is being sent to you in response to an entry made on my Credit Report dated [ date ]. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 
Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 
Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 
Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed? 
I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 

In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. 
I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation.
Product: Credit reporting or other personal consumer reports

I don't know what I was doing wrong because I know having credit is already a privelege, but I can't even utlize that because my scores have been affected because of the inaccuracy being reported here on my credit. It's painful to see how many opportunities I had to let go all because of these unwanted and unchecked items are reflecting on my report and are preventing me from getting approvals.
Product: Vehicle loan or lease

I was injured at work and I received a secretly check by the employer that I did not know about until now XX/XX/XXXX2018 how is it that know one know this and somebody working my social security.i didn't work much and somebody was working under my name somebody madea claim of child taxis, I have no child they taking away my benefits
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the 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 date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I applied for an Income Driven Repayment plan in XXXX on XXXX, the site ran by the Education Department and which transmits the applications to borrowers assigned servicers. My servicer is Nelnet. I was approved on studentaid.gov for the new SAVE plan, which subsidizes any difference between your monthly payment, as determined by the borrowers IDR plan, and the monthly accrued interest ( in the event that the interest is greater than the payment ). 

Nelnet has failed to approve my application. No one at the company can tell me when it will be approved. No one Ive talked to, after having to wait on hold for hours every time, seems to know ANYTHING about when this might start getting fixed. 

Meanwhile, interest started accruing again in XXXX. So far I have accumulated about {$2000.00} in interest. I AM UNABLE TO MAKE A PAYMENT ON THE SAVE PLAN BECAUSE NELNET HAS FAILED TO PROCESS MY APPLICATION, MEANING NONE OF MY INTEREST IS BEING SUBSIDIZED. Moreover, Nelnet put me on an administrative forbearanceDURING WHICH INTEREST STILL ACCRUESwithout my asking. So I have no payment due, meaning no payment to chalk up towards my interest, the difference between which is supposed to be being subsidized. 

So, Nelnet is effectively holding me over a barrel while I rack up interest because of their incompetence. I am financially bleeding profusely and its all Nelnets fault. 

Their actions are illegal and I will be suing if this isnt resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602A. States I have a right to privacy.

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I had an outstanding balance with my college. I paid them the balance that I owed. I checked my credit report & saw that the college sold the debt to a collection agency. I disputed with the collection agency to let them know that I did not owe them & that I paid the debt to the original creditor. After getting the dispute results back, it was updated on the collection account as " Paid collection. '' This is inaccurate as I paid the debt to the original creditor. I 've disputed this account many times & I keep getting the same results. After disputing again, Coast Professional responded and CONFIRMED that I paid the original creditor and not them. I will attach that document to this complaint. I have never done business with Coast Professional. I have never heard of them until they were on my credit report. I have been disputing this inaccurate collection account reporting on my credit for almost 2 years. Remove it now.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two paypal cards reporting on my credit report. I saw this after pulling my report on XX/XX/2020. These two accounts are not mine. I have never applied to PayPal or used any of their credit card services. The account reporting in my name is either a mistake or fraudulent
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to delayed posting of charges and credits. This issue aligns with the recent findings by the CFPB against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request a thorough investigation into my account transactions. Thank you for your attention to this matter.
Product: Debt collection

I have found an inaccuracy on my XXXX credit reports. The account is in collections, listing Transworld systems inc. as collection agency. Account # XXXX and another account # XXXX The original creditor XXXX XXXX. I have never heard of this company, this is not my debt. 

Will you please have said company remove this collections. Thank you!!!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, 3 unauthorized transactions were made on my PayPal account. The first payment consisted of {$150.00} sent to XXXX XXXX described as " Tickets '' and the other two payments consisted of {$1.00} described as " Test '' and {$140.00} described as " Tickets '' both sent to XXXX XXXX. When I saw this I immediately filed an unauthorized transaction case, but the case was closed without asking me for any further information or proof.
Product: Debt collection

Went to the XXXX. Saw medical professionals throughout my visit including a cardiologist. Got this SURPRISE bill from a third party company on behalf of the XXXX XXXX that did not come on duty until XXXX - I was finally XXXX ( XXXX  ) around XXXX. XXXX XXXX XXXX XXXX XXXX never treated me. I requested an itemized detailed report of what she did. All other bills for XXXX XXXX XXXX XXXX visit itself have been paid. I refuse to pay for this XXXX XXXXXXXX XXXX XXXX XXXX as she did not report\clock in until XXXX - I was they at XXXX. Her bill was higher that the XXXX XXXX bill.
Product: Checking or savings account

I am writing to formally dispute several unauthorized charges made to my debit card. On XX/XX/year>, my wallet was stolen while I was on the XXXX XXXX XXXXXXXX XXXX  Inside the wallet were my identification, along with various debit and credit cards, including my debit card with Found. 

I immediately reported the theft to the appropriate authorities, and on XX/XX/year>, I notified your bank of the stolen card and the unauthorized transactions that occurred. The unauthorized charges are as follows : {$25.00} at XXXXXXXX XXXX XXXX  XX/XX/year> {$55.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$19.00} at XXXXXXXX XXXX XXXX XXXXXX/XX/year> {$17.00} at XXXX on XX/XX/year> {$170.00} at XXXX XXXX XXXXXX/XX/year> Despite my prompt notification, within hours of my report, I was informed that the bank had concluded there was no error, and that no dispute would be filed. 

I strongly believe this matter warrants further investigation as I did not authorize these transactions, and they were made after my debit card was stolen. I kindly request that the bank reopen this case and conduct a thorough investigation of these unauthorized charges. 

Please let me know what additional information you may need to proceed. I look forward to your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.0 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions 15 U.S.C 1666B : A creditor may not treat a pavment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

company refuse to remove unjust, false, and misleading information on my credit report.
Product: Money transfer, virtual currency, or money service

When using zelle in the past, disclosures, or warning messages when sending people money wouldnt appear, at times id send money to the wrong people on accident
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been incorrectly attributed to me without my knowledge or consent, causing me significant distress. I have become a victim of identity theft and have already reported the incident. It is essential to address this matter promptly, as it has adversely affected both my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if needed, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent issue is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the co-signer on a Synchrony Care Car credit card. On XX/XX/2018, I called Synchrony Bank about a lot of late payments that have been reported inaccurately to the credit reporting agencies. This has been a consistent problem for me and the person that I co-signed for. The person that I co-signed for, has on numerous occasions, had to call the bank to have the discrepancies fixed. The bank even issued a letter the primary person, which apologized for the errors. However, the bank continues to make the errors and now refuses to fix the errors on my credit report or stop making late payments appear on the other persons credit report as well. I have tried to call to resolve the issues, but I am given a blanket statement that there's nothing I can do without the other persons bank account information! They can't look it up in the system to see that this is a continuing problem and I have spoken to representatives on a few occasions, including supervisors who can not fix the issue.
Product: Checking or savings account

I received a letter dated XX/XX/2022, from Truist Bank indicating I tried to deposit a check for XXXX into my account, but Truist Bank rejected the check deposit stating the check was fictitious. Now Truist Bank is asking me to pay {XXXX} for overdraft fees. 
I never opened any accounts with Truist Bank, so an unknown person fraudulently opened an account in my name. The hot check was from a company called XXXX XXXX XXXX located in XXXX, LA. The check had no account number printed on it and was signed on the back using my name with a forged signature. A copy of the check was sent to me by Truist Bank. Evidently, someone also created a fake account in my name at XXXX XXXX XXXX. I tried canceling the account with Truist Bank but was not successful. Repeated attempts to contact them resulted in excessive wait times and I eventually stopped attempting to contact them. I have had approximately 12 companies or credit card services send me notices that someone tried to open an account in my name. Most seem to be unsuccessful, but I am worried that somewhere an account in my name has been successfully opened.
Product: Credit reporting or other personal consumer reports

I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN
Product: Credit reporting or other personal consumer reports

I am submitting a complaint to notify you that I have been a victim of fraudulent activity. In my research on removing fraudulent items from my credit report, I discovered that I need to file an identity theft report with the Federal Trade Commission at https : //www.ftc.gov. According to FCRA section 605b, Credit Reporting Agencies are required to remove any items listed on an identity theft report, referencing number XXXX. The attached documents should help in removing the erroneous personal information and inquiries on my report. The unauthorized items are : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XX/XX/2023. According to FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from identity theft within XXXX business days of receipt.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 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: Credit card

Budget Rental Car charged my card unauthorized numerous times. XXXX XXXX XXXX XXXX Current credit card account number XXXX was made aware of this fraudulent activity. Current issued a new card ; however, failed to prevent the duplicate charge for an even higher inaccurate amount. This issue was than disputed with Current to no avail. Now this inaccurate amount is being reported on my credit report by XXXX and negatively impacting my credit score.
Product: Money transfer, virtual currency, or money service

I am tiling a complaint against CashApp ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute response resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection listed on my Experian credit report from a hospital listed for XX/XX/2021. I can prove factually I was not in that hospital at the date listed on the report as I don't live within 600 miles of the listed hospital and have not been to a hospital in several years. I submitted the dispute with this information and they closed it stating they " verified '' the information, and " updated '' it, but all the information is the same. I have no idea how they could have possibly verified this, as again, I was not in the hospital at that time. If this is for a much older bill, then fine, but if it is, they haven't given me any information to know what/when this is for. Another reporting agency has already removed it.