23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear XXXX : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit. I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Credit card

Hello. I made a payment in the amount of {$21000.00} on XX/XX/year> to FNB card. I got a confirmation email at XXXX XXXX. On XX/XX/XXXX, {$21000.00} was debited from my XXXX XXXX  account. The card has a XXXX limit. Although payment was made and deducted from my checking account, the payment was held. It would not be applied to my account for 7 days. I have called many times over the last week. I have shown proof that the money was already deducted from my account. I was told nothing could be done to work around the hold. I have asked where this was discussed in the card holder agreement. I asked what would qualify my account to not have this hold restriction. I have asked where is my money being held if not applied to my account. I have asked for copies of all recorded conversations regarding this case be made available to me. I have asked about the legality of deducting from my checking account and not applying to credit card. I have not had access to my {$21000.00} for over a week since it is already gone from my checking account and I still can not use the card.

My card is in good standing, not late, and I was approved for a XXXX, XXXX limit. I was never told making a high payment on time would result in loss of use of the card for over a week.
Product: Credit card or prepaid card

wells fargo allowed three ( 3 ) times someone from inside wells fargo to cash advance the credit card and then move cash advances into a personal acct. ( SS ) ( XXXX ) and then into a Bus acct. ( XXXX ) A special code was put on card on XX/XX/XXXX to stop these transactions Yet they happened two more times Payments were made to the card from a wells fargo acct. ( not mine ) wells fargo will not furnish this info as they are covering it up wells fargo has tried to confuse the issue by saying I filed a Fraud Claim I did not I filed a Breach of Security Claim wells fargo has admitted that they know it was not me who did these transactions verified by the voice on the phone I have furnished wells fargo numerous times phone numbers XXXX XXXX Case no XXXX and XXXX ( XX/XX/XXXX ) as to where the Breach of Security is coming from wells fargo will not furnish the acct.info as to where these payments and cash advances came from so I can not file a police report I have lots of e mails to wells fargo over the last six months and letters that can be sent to CFPB as you can not trust what wells fargo says I am part of two class action suits that wells fargo has agreed to settle ( add ons and opening accts not authorized ) XXXX XXXX ( wells fargo ) is well aware of these suits Letter dated XX/XX/XXXX from wells fargo is a attempt to again confuse the Breach
Product: Checking or savings account

I filed a fraud claim XX/XX/XXXX for almost XXXX dollars, my mobile app account on Navy Federal got hacked into from an unknown device in XXXX Georgia. I live in XXXX XXXX Texas, and have never been to XXXX and have no connections to XXXX, Georgia or XXXX device that was logged in onto my account. whoever was logged into my account in XXXX, Georgia was filing false disputes on my behalf, giving me provisional credit on my account from then somebody added a member to member transfer under my name to a name of XXXX XXXX. I have no connection to XXXX, XXXX, nor know who this is, I did not approve of these funds to be sent to her and have did everything in my power to prove to the bank as well as they know that someone was logged into my account from XXXX Georgia while this information was getting leaked. now the bank is overdrafted my account with the funds that have been sent to that unknown person I was scammed out my account my account was compromised and I made plenty of calls that day to fix the issue and they failed to do so now they are saying that I owe this money when I had nothing to do with these funds getting disputed or sent out to whoever this person was, they had me submit an appeal. as well as my account was compromised to where that person took out a loan into my name. I had that canceled right away but Im still worried about the funds that are overdrafted my account from whoever this person was.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : TRANS UNION XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have made multiple disputes with " XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' regarding information they are reporting on my credit report. They have never responded to me with any proof whatsoever that I ever agreed to open an account with them. 

I recently realized that I could prove I never opened the account by asking for specific details. So I disputed specific information about the account, including the amount claimed to be owed, and the dates of the supposed account opening and account closing. 

" XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX '' was clearly upset by this, and decided to get revenge for having been called out on breaking the law. They have now sarcastically updated my account, but to make it appear even worse. 

Despite the account having shown as a collection/charge off since at least XXXX, they updated the account to show a last payment date in XXXX. This also makes the account appear as open, which makes my percentage of used credit appear higher than it is, which significantly harmed my credit score. 

They can not prove I made I payment in XXXX, because I didn't make a payment in XXXX. The same way I never opened an account with them at all. 

They are intentionally breaking the law, and childishly increasing the number of times they do so to make a point.
Product: Student loan

XX/XX/XXXX - loan dispersement of XXXX $ XX/XX/XXXX - loan payment of XXXX $ XX/XX/XXXX - loan dispersement of XXXX $ XXXX total loan balance with two loans open of XXXX $ Claims stating a dispersement of a XXXX $ loan and disbursement of a XXXX $ loan ( inaccurate/ fraud ) Sent two messages XX/XX/XXXX through website. No response Called XX/XX/XXXX - on hold for hours and no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I he.ve never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. US DEPT OF ED/XXXX,  XXXX XXXX, XXXX XXXX, XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own. XXXX XXXX   XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, 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 or other personal consumer reports

this information is not the same them what XXXX  XXXX sold off to Portfolio Recovery Associate, LLC this is a violation of the Fair Debt Collection Practices Act 15u.s.c section XXXX XXXX XXXX XXXX XXXX XXXX Account # : - XXXX XXXX Account Type : - XXXX XXXX XXXX XXXXype - Detail : - Credit Card Revolving Bureau Code : - Individual Individual Account Account Status : - Closed Closed Monthly Payment : - - - Date Opened : - XX/XX/XXXX XX/XX/XXXX Balance : - {$0.00} {$0.00} No. of Months ( terms ) : - Revolving Monthly ( due every month ) High Credit : - {$780.00} {$780.00} Credit Limit : - {$750.00} {$750.00} Past Due : - {$0.00} - Payment Status : - Current Pays account as agreed Last Reported : - XX/XX/XXXX XX/XX/XXXX Comments : **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Account closed at consumers request and dispute investigation completed, consumer disagrees. ( To be used for FCRA or FCBA disputes ) Date Last Active : - XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Account # : - XXXX XXXX Account Type : - XXXX XXXX Account Type - Detail : - Business Credit Card Revolving Bureau Code : - Individual Individual Account Account Status : - Closed Closed Monthly Payment : - - - Date Opened : - XX/XX/XXXX XX/XX/XXXX Balance : - - {$0.00} No. of Months ( terms ) : - Revolving Monthly ( due every month ) High Credit : - {$600.00} {$600.00} Credit Limit : - {$500.00} {$500.00} Past Due : - - - Payment Status : - Paid satisfactorily Pays account as agreed Last Reported : - XX/XX/XXXX XX/XX/XXXX Comments : **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Account closed at consumers request and dispute investigation completed, consumer disagrees. ( To be used for FCRA or FCBA disputes ) Date Last Active : - XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report a XXXX fraudulent account appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX account opened at XXXX XXXX XXXX XXXX  {$1000.00} opened XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$620.00} opened XXXX these accounts have resulted in a fraudulent accounts appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against XXXX XXXX XXXX TransUnion XXXX Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : 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 TransUnion credit reporting agency , 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, account have resulted in a account appearing on my consumer XXXX 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 XXXX ) 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. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency XXXX XXXX of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of fraudulent accounts from my credit report due to a recent data breach in which my personal information was compromised. As a victim of identity theft, I am seeking to have these accounts blocked and permanently deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts XXXX. XXXX - XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$840.00} XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$2000.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$6200.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$840.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$25000.00} XXXX. XXXX  - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$590.00}
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This matter started back in XX/XX/XXXX after I received a letter from NCB. See attached. 
NCB letter stating : Dear XXXX XXXX, Your XXXX XXXX XXXX XXXX XXXX accounthas been purchased by our our company, NCB  Management Services , Inc. Now that we own and service your account, you may be eligible for payment options that werent available before XXXX XXXX XXXX XXXX charged off an account. Since XXXX NCB has handled this as a debt collection matter and the account as a charge off. I replied to NCBs letter and requested validation disputing the debt and their failure to notify me writing within 5 days of the initial phone call NCB made in XX/XX/XXXX.I followed up again disputing the debt and the failure to provide written notice within 5 days. 

In XX/XX/XXXX Experian posted a notification, from NCB that the previous balance was reported as a new balance. On XXXX I was notified by XXXX that NCB was reporting my account as 30 days past due to XXXX. 

My complaint consists of multiple parts. 
1 ) NCB exceeded 5 days where a debt collector provides written notification to the debtor. 

2 ) NCB acquired the debt in XXXX from XXXX XXXX XXXX XXXX who charged off and continued to show as charge off through XX/XX/XXXX. Then NCB reported new balance activity and has changed from a charge off to a delinquent account for debt collection. Since NCB acquired as a charge off it is against FDCRA to report the same charge off as a delinquent account. The balance of {$3700.00} remains the same going back to NCBs XXXX letter. 

3 ) A collection account is considered a continuation of the original debt. It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. Reporting old debts with false updated activity dates, may violate certain sections of the FDCRA. When NCB reported new balance to credit bureaus in XXXX they were knowingly violating FDCRA, by reporting as new balance. 

4 ) By NCB neglected to communicate in writing in XXXX at the same time they reported to credit bureaus. NCB has been reporting charge off to credit bureaus since XX/XX/XXXX. A charge off can not be reported as a new balance and delinquency 2 years later. I have not received any written notification, from NCB about a new balance or new activity. This egregious action by NCB denies me the right to dispute. 

Currently I added a security alert to my XXXX report.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX # XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting ID THEFT for sometime now and have several fraud accounts reporting on my credit report. I have sent supporting documents showing this fraud. I have sent notarized documents as well as FTC complaint forms, the following accounts and info are fraud!! 
1.XXXX  XXXXXXXX  XXXX XXXX XXXX Account Number XXXX Date OpenedXXXX 2.XXXX  XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX Date Opened XX/XX/XXXX 3.XXXX  XXXX XXXX  Account NumberXXXX Date  OpenedXX/XX/XXXX 4.XXXX XXXX XXXX XXXX XXXX Account NumberXXXX Date OpenedXX/XX/XXXX 5XXXXInquired on XX/XX/XXXX 6.XXXX XXXXInquired on XX/XX/XXXX 7.XXXX XXXXInquired on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

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 resulted from a alleged identity theft, no later then XXXX business days after the date of the receipt. I HAVE ATTACGED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TATICS FROM********
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act.