23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, NJ, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA, XXXX Re : Dispute of Medical Debt Account Number : XXXX To Whom It XXXX Concern, I am writing to formally dispute the validity of the medical debt associated with the account number mentioned above. Despite repeated attempts to clarify the situation with your company, I continue to receive communications regarding this debt, which I maintain is not my responsibility. 

In XXXX, I was involved in an accident for which the other driver was at fault. Following the accident, the insurance company, XXXX, was contacted and provided with all relevant information regarding my medical bills resulting from the accident. It was understood that the other driver 's insurance, XXXX, would cover these medical expenses. 

I have communicated this information to your company on numerous occasions, yet I still receive notices demanding payment for the medical debt. As such, I am disputing the validity of this debt and request that you cease all collection efforts until this matter is resolved. 

Furthermore, I request that you provide me with detailed documentation validating the debt, including itemized statements and proof of assignment. Additionally, please provide evidence demonstrating that I am legally responsible for this debt. 

I expect a prompt response to this dispute within 30 days as mandated by the Fair Debt Collection Practices Act. Failure to provide the requested information or to cease collection activities will result in further action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau and seeking legal counsel. 

Please be advised that all future communications regarding this matter should be in writing and sent to the email address listed above. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I was contacted by XXXX XXXX XXXX about a debt collection from charges allegedly originating on XX/XX/2018, when I was seen in an emergency room in XXXX XXXX. Their letter arrived one year after my visit and referenced an account with XXXX XXXX XXXX XXXX XXXX ( # XXXX ) for {$1100.00}. I never received even a single bill from this company. They are completely unreachable by phone, as I have made numerous attempts to acquire my original bill so I can pay the debt collectors if the money is indeed owed. XXXX provided me with no additional contact information. 
Over the past year, I have paid numerous providers in relation to this medical event, without issue. I have excellent credit and have never once missed a bill payment in my life. I can not believe it is legal for a company to contact me out of the blue with zero proof of a bill and demand a large sum of money. If they had simply provided me with ANY information, I would feel better about paying this money. However, their total lack of information leads me to believe I do not actually owe and this is some kind of scam.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX there was an unauthorized charge of {$1200.00} deducted from my CashApp account. Upon, me noticing the unauthorized charge I immediately reached out to CashApp regarding the concern. I called and spoke to a representative by the name of XXXX to put a hold on the card and to also dispute this charge. Following the incident a number of gambling transactions continued to they to be deducted from my CashApp. I explained to the gentlemen I do not partake in any gambling at all. XXXX also recommended me reaching out to the merchant to file a dispute but XXXX 's systems were not user friendly what so ever, on their contact us page I requested help to not only get any response either. After the credit was applied, CashApp emailed me later to mention it was removed and granted and granted in the merchants favor. They didn't mention why or how, which is super odd because the representative mentioned this was a known issue or a CashApp breach. Lastly, based on my history on any account that I own I have never gambled on any online sites ever. My pattern and history shows that. If you all have any further questions please feel free to reach out.
Product: Checking or savings account

Opened an account based on a recently delivered promotion card that promised a {$400.00} promotional deposit. After complying with all conditions I was told that despite multiple independent representatives saying the promotion applied that my account was not eligible due to the promotion expiring before the account was opened. The person who opened the account and at least XXXX reps on the phone independently said the promotion applied to my account.
Product: Debt collection

I did created a complain about the difficult and challenges I was having with XXXX XXXX XXXX with Debt issue back in XX/XX/XXXX who hired XXXX XXXX XXXX XXXX. XXXX XXXX XXXX in XX/XX/XXXX to send me to court and I was not able to show up ( Complain with your entity cases XXXX, XXXX, -and XXXX ). Court granted them the case and they were very difficult and harassing me all the time since XX/XX/XXXX. I tried a couple of times to negotiate debt with them but did not want to take my personal previous offers. I used a XXXX XXXX XXXX XXXX ( XXXX office at XXXX XXXX XXXX, XXXX   XXXX. XXXX.Tx. XXXX ph # XXXX ) to help me settling issue back in XX/XX/XXXX. I paid them {$5000.00} and they were supposed to and think negotiated with XXXX XXXX XXXX  to clear issue. Since XX/XX/XXXX looking at my credit reports I did not see anything about the Civil Judgment in my records. 
Suddendly, this past Monday XX/XX/XXXX my Bank Account have been garnished not allowing to touch account and I need to pay XXXX obligations. 
I received and email I need to contact the Law Office of XXXX XXXX in regards to my Garnish. I checked and found out XXXX XXXX XXXX had sold old " account '' case to XXXX XXXX XXXX XXXX, XXXX. who hired Law Office of XXXX XXXX ( ph # XXXX ) in regards to my Garnish which comes from Court order case XXXX in XXXX County Civil Court XXXX. 
They are demanding to pay previous Debt of {$10000.00} plus attorney 's fees # XXXX plus 24.99 % for the entire term of debt since XXXX XXXX, plus post judgment fees of 18 % on the principal? of 07.25 %. 
I am really devastated because I already lost {$5000.00} which I thought were used to stele previous amount with XXXX XXXX XXXX and now a new XXXX XXXX XXXX XXXX XXXX, XXXX is using The Law office of XXXX XXXX Texas Bar No. XXXXlocated at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX.Tx. XXXX. Ph # XXXX. 

Please I really need advise because it seems like these entities are trying to take advance of hard working people like me. It seems like they said the total amount of Debt is running in the {$70000.00}. I am a family parent trying to do the right thing but I do not want people trying to take advantage of my situation. 
Greatly appreciate your support. 

Sincerely, XXXX XXXX XXXX. 
XXXX XXXX  XXXX XXXX XXXX.Tx.XXXX
Product: Checking or savings account

I was scheduled to get paid this week and as of right now Friday XX/XX/year> as of XXXX I have not received my pay check. I have checked with my employer and was informed that they have sent my paycheck to my banking institution which is Capital One. I have bills ached to come out of my account Friday and this upcoming week. I know that if the funds are not available my bills will indeed incur late fees or return fees. I have children in which I also need to feed and maintain a roof over their heads. I have tried calling Capital One and have been on hold for approximately 2 hours. This is unacceptable and unprofessional.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, Missouri XXXX Date : XX/XX/year> To : Citi Credit Cards [ Address If you have one for their correspondence, insert here ] Subject : Follow-up Regarding Disputed Account and Request for IRS Form 1099-C Dear Sir or Madam, I am writing to follow up on an issue I have previously brought to your attention regarding an account that you claim I held with Citi Credit Cards. In your response, you stated that a reply had been sent to me regarding my dispute. However, to date, I have not received any such correspondence.

I continue to dispute the validity of the alleged account, as I have no record or knowledge of ever having held any account with Citi Credit Cards. Despite this, my credit report reflects that the account was charged off. Upon contacting the Internal Revenue Service ( IRS ), I was informed that Citi reported this charge-off and is seeking a tax write-off for the amount allegedly owed.

According to the Internal Revenue Code, if a creditor cancels a debt of {$600.00} or more, the creditor is required to issue IRS Form 1099-C, Cancellation of Debt, to both the IRS and the debtor. This requirement is outlined under 26 U.S. Code 6050P.

26 U.S. Code 6050P - " Any applicable entity which discharges ( in whole or in part ) the indebtedness of any person during any calendar year shall make a return ... showing the name, address, and TIN of each person whose indebtedness was discharged ... and the amount of the indebtedness discharged. '' Failure to issue this form as required may result in penalties under 26 U.S. Code 6721, which addresses failure to file correct information returns. The penalties can range from {$60.00} to {$310.00} per return not properly filed, depending on how late the form is issued, with a maximum annual penalty that can reach up to {>= $1,000,000} for large entities.

Therefore, I formally request that you provide me with a copy of the IRS Form 1099-C related to this alleged debt. Please send this documentation to the following address : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, Missouri XXXX Should you fail to provide this information within a reasonable timeframe, I reserve the right to pursue further remedies, including filing complaints with the IRS, the Consumer Financial Protection Bureau ( CFPB ), and any other appropriate regulatory agencies. 

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

Multiple complaints have been filed with you highlighting your violations of my consumer rights. You have consistently denied and disregarded my complaints, despite having no evidence to support your position. You have also committed numerous acts of fraud against me. Attached to this letter is an Affidavit of Truth that details the violations of the FCRA that have been committed against me. These Bankruptcy accounts must be removed immediately from my consumer report/file ; otherwise, I will pursue you in federal court for these violations, as I have months of paper trail and deletions from the other consumer reporting agencies admitting the violations. This is the account : XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Good morning, DENEFITS LLC is illegally reporting to my credit report. The account was opened without my knowledge and has since been reporting negatively to my credit report. 
In XXXX of XXXX, I realized I was a victim of Identity Theft and have since been on a mission to rectify these accounts. 
One of the accounts is from DENEFITS LLC. When I notified them that the account is opened fraudulently, they said that the account is verified. 
DENEFITS LLC went and updated their outdated info with my current data to make it seem that the account was verified and I have proof. 
After hours of bombarding a customer service rep, I have the original contract that was signed with DENEFITS LLC vs their edited one. 
I know for a fact that they edited this contract because I moved to my apartment in XXXX and acquired a different phone number in XXXX ( the ones on the edited contract ). 
The only reason I got the original contract was because a customer service rep felt bad over my situation. 
It's impossible that in XX/XX/2023, I included an address and phone number that wasn't active until XXXX of that year. 
I have shown them multiple versions of evidence such as identity theft reports from both my local police AND the FTC and yet they still say this account is verified. 
What they're doing is illegal and they should definitely get in trouble for it. 
It isn't fair. 
I have attached both the ORIGINAL contract and their EDITED one, my lease that proves that I started living in my apartment in XXXX of XXXX  ( which means I wouldn't have put that address in XXXX of XXXX  ) and a pdf proving my identity. 
I have also included a voice recording of the " verified conversation '' between me and a customer service rep. 
If you listen to the audio, the person verifies the address from the original contract NOT the edited one therefore proving that DENEFITS LLC illegally edited their contract to seem like I was verified. 
Please have them cancel this account, discontinue reporting to the credit bureaus and get them in trouble for the illegal activity they're doing. 
Thank you!
Product: Credit card

XX/XX/XXXX spoke with XXXX and requested account XXXX be closed. However, after speaking with XXXX, Truist again made duplicate charges to this account from account XXXX. XX/XX/XXXX spoke with XXXX and again requested this account be closed. Truist failed and/or refused to close the account and again made duplicate charges to this account from XXXX and charged me late fees, penalties, and interest. XX/XX/XXXX spoke with bank representative in person and asked for account to be closed, yet Truist again charged duplicate charges to XXXX. Since Truist continued to make duplicate charges on XXXX and charged late fees and penalties, and interest, on XX/XX/XXXX I closed all my accounts with Truist and asked that credit card XXXX be closed. Truist continued to charge BOTH accounts XXXX and XXXX. XX/XX/XXXX spoke with XXXX who agreed I do not owe money on these accounts but she claimed there was nothing she could do. On XX/XX/XXXX I sent a letter to Truist by certified mail, again requesting they close account XXXX and XXXX. However, Truist failed to do so and allowed charges to be made on these accounts. XX/XX/XXXX I sent another letter by certified mail asking for both accounts to be closed. Approximately XX/XX/XXXX received another invoice from Truist claiming owed additional charges, interest, penalties, late fees, as they refused to close both accounts and continued to charge both accounts and demanding that I be responsible. XX/XX/XXXX, received another invoice with additional charge that I did not expressly authorize and Truist again demanding late fee, penalties, and interest. I can provide copies of letters sent to Truist and invoices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted over 49 letters to the credit bureau and nothing has happened I feel humiliated and frustrated now the lender ( XXXX XXXX XXXX ) I would like have XXXX XXXX XXXXXXXX blocked and removed from my file i request the removal and so do I of the account immediately! I have attached proof this is me XXXX XXXX not a third party This is account. This should not be reporting on my account. I have no knowledge of this. Please remove immediately. I have attached drivers license, Social Security, card, and proof of address
Product: Debt collection

I have already filed disputes with the reporting agencies several times that the amount owed is less than {$200.00} of the {$400.00} credit limit. LVNV Funding keeps billing me {$770.00}. in the last dispute, I requested a copy of the charges/ debt verification, but only received a letter from XXXX that the charges were " valid ''. 

In XX/XX/2015, I responded to a court summons from LVNV, but never received a hearing date.
Product: Credit reporting or other personal consumer reports

SYNCB/Amazon requested credit check. 
Have not applied for credit cards or increase not have I applied for any loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accuracy of the following derogatory information. 
That has been wrongfully inserted in my credit profile. I have requested that all three major Credit Reporting agencies investigate the accuracy of the following wrongful information listed below. 

As part of the Credit reporting agencies, I have requested verification of the original contract with my signature. Additionally, have requested the method of verification. As of to date, I have not been provided with requested data. Resulting in ongoing derogatory data in my credit profile.
Product: Credit reporting or other personal consumer reports

XXXX XXXX From : XXXX To : XXXX XXXX Fri, XXXX XXXX at XXXX XXXX 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 16815-2 ( A ) ( a ) 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.

Delate the ccounts below. 
Attach documents ( optional )
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts, inaccurate addresses, and inaccurate names on my credit report. These accounts XXXX and XXXX XXXX was removed from my credit report on XX/XX/2020 and on XX/XX/2020. Now I have discovered that the items have been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( b ) ( ii ), the credit bureaus are required to notify me of the reinsertion in writing within 5 business days ; which this was not done. These fraudulent accounts, inaccurate addresses, and inaccurate names must be removed from my credit profile ONCE and FOR ALL.
Product: Debt collection

To whom it may concern, XXXX XXXX XXXX asserts that I owe a debt to XXXX XXXX when I never held an account with this XXXX XXXX. They further assert that I owe {$2500.00}. I kindly asked them to stop harrassing me and to follow federal rules in this regard. They continue to ignore the rules. 

Prior to XXXX XXXX Solutions, the alleged debt was being claimed by Pinnacle Credit Services. I disputed the matter with all XXXX credit reporting bureaus. However, rather than being taken off my credit reports as an erroneous matter, the issue was either sold or transferred to XXXX 

They list their mailing address as : XXXX. XXXX XXXX, XXXX, SC XXXX. 

This erroneous claim is damaging and unfair to this consumer. I kindly request CFPB help resolve the matter, as the claim is false.
Product: Debt collection

Reached out to Jefferson Company and company informed me that they have ceased collection towards this debt company stated " This is in response to the complaint we received via the Consumer Financial Protection Bureau on behalf of XXXX XXXX regarding the XXXX XXXX debt that we acquired in her name, which is now associated with JCS Reference # XXXX. We have reviewed our Jefferson Capital Systems , LLC records, and records do not reflect receiving a request for validation of this debt directly from XXXX XXXX prior to this complaint. However, in an effort to resolve this matter, we have closed our file and terminated collection efforts on the debt. Jefferson Capital Systems , LLC has not reported this debt to the credit bureaus. Thank you for the opportunity to respond. " XXXX should remove debt since Jefferson capital systems has ceased collection toward this debt so XXXX should remove this account completely off my credit report since they referred this debt to Jefferson and Jefferson is stating they do no have ownership of this debt and Ive made multiple attempts to reach out to onemain to remove this inaccurate information from my credit file.
Product: Credit card

Citi has a partnership with XXXX XXXX to send payments to. XXXX XXXX describes that payment will be received to the bank by 2-4 hours but Citi receives payment within 2-3 business days. I would like more clarity and more enforcement between expectations. I paid an " expedited '' fee from XXXX XXXX to process this payment immediately which I could not deselect. So I would need this fund refunded.
Product: Credit reporting

After 3 hours of XXXX communications with XXXX different TransUnion " Consumer Fraud Special Agents '' I am at wits end trying to understand how any parent in Virginia can possibly have the required documentation to enable a minor 's credit freeze. I am attempting to freeze the credit file of XXXX of my minor children.The following block of information details the elusive documentation in question : XXXX of the following qualifying documents indicating that the requestor has Proof of Authority of the named individual : - Court Order- Power of Attorney ( not applicable for NY or TX residents ) - Written, Notarized and Signed Description of Authority ( not applicable for VA residents ) ; I have birth certificates, SSN cards, passports, other forms of identification, adoption decrees, and bills verifying my VA address, but what parent has any of the above listed " Proof of Authority ''? 

The XXXX issue I had was with the attempted extortion of fees for the free service. The XXXX XXXX TransUnion representatives tried to collect {$10.00} to process the lock. The XXXX representative was the XXXX to acknowledge that the lock should be free. I have rejection documents claiming I submitted the documents, but failed to pay the {$10.00} fee. The site states : {$10.00} ( Medically incapacitated AND not a victim of ID theft ) Free ( Minor under age of XXXX OR medically incapacitated AND a victim of ID theft ) Boolean logic evaluates ANDs before ORs, thus it is free for minors under XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 alleged fraud or extortion. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE SECOND TIME MY IDENTITY HAS BEEN COMPROMISED. I DONT UNDERSTAND WHY THIS CONTINUES TO HAPPEN TO ME. PLEASE REMOVE THESE FRAUDULENT UNKNOWN ACCOUNTS FROM MY REPORT AS SOON AS POSSIBLE.