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

I am writing to inform you thati have been a victim of identity theft.i have identified accounts on my credit report that are reporting inaccurate fradulent negative and outdated which have caused significant harm to my creditworthiness and financial health. Under the Fair Credit Reporting Act Section 623 ( a ) ( A ) i have the right to dispute and request removal of fraudulent negative outdated and inaccurate information on my credit report. The Fraudulent accounts indentified on my report is : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. FRAUDULENT Inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX  i believe that my information was exposed during several significant data breaches that have occured since 2016, including equifax and XXXX. these breaches has compromised my personal information and left me vulnerable to identity theft.
Product: Credit reporting or other personal consumer reports

My Information was Exposed in a Data Breach and it is reporting incorrect information. It is showing a bankruptcy, and Reporting incorrect information such as XXXXXXXX XXXX and XXXX XXXX XXXX  Per the The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies. A report with FTC was also made
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please Investigated the following accounts as I don't believe the information to be accurate. Please remove the following address from my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Please verify these accounts. XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX and Attorney General. I also noticed you are reporting multiple late payments on my credit history. I believe these to be accurate. please check your records and verify the accuracy of each late payment being by your company, XXXX XXXX # XXXX Please verify this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. REGISTER LETTER NUMBER ( S ) : XXXX XXXX US ; XXXX XXXX XXXX XXXX US ; XXXX XXXX XXXX XXXX US ; XXXX XXXX XXXX XXXX US. 

( A ) SERVICED ON THE ENTITY : XXXX XXXX  ; XXXX XXXX XXXX ; XXXX, PA XXXX.

2. CERTIFICATE AND PROOF OF SERVICE ACCOUNT TRACKING NUMBER ( S ) XXXX ... XXXX ... 

( A ) ENCLOSURES : NOTICE OF RESCISSION ; AFFIDAVIT OF FORGERY ; LOAN DEBT VALIDATION REQUEST ; NOTICE TO CURE 3. REPORTING AGENCY HAS DEFAULTED ON ANSWERING THE VALIDATION DEMANDS AND THEREFORE MUST REMOVE THE MISTAKE FROM THE RECORD.

4. THIS ERROR IS AN INJURY AND TRESPASS ON THE HOLDERS CREDIT INTERESTS. WE REQUIRE A REMEDY.

5. ALL CLAIMS ARE REGISTERED, CERTIFIED, AND TENDERED TO ALL PARTIES INCLUDING FEDERAL AND STATE AND MUNICIPAL PUBLIC/COMMERCIAL EMPLOYEES -- - CORPORATE STATE OF CALIFORNIA.

4 ( A ) PLEASE SEE THE ATTACHED DOCUMENT : RETURN_RECEIPT.

6. KNOW THAT ... THE ATTACHED CERTIFICATES AND PROOF OF SERVICE ARE EVIDENCE OF CLAIMS FILED.

7. NO PERSON/MAN/WOMAN HAS PROVEN THE LOAN AGREEMENT.

8. WE REQUIRE DISCHARGE AND DISPOSAL BECAUSE THE LOAN IN QUESTION IS CAUSING A FALSE AND INJURIOUS REPORT ON THE PERSON AND THE HOLDER 'S RIGHT IN INTERESTS.

9. UNDER PENALTY OF PERJURY ; WITHOUT PREJUDICE ; ELECTRONIC SIGNATURE BY HOLDER/OWNER OF NAME : XXXX XXXX XXXX, ALL RIGHTS RESERVED WITHOUT RECOURSE.

10. NOTICE U.S. CODE : TRUTH IN LENDING ACT -- 5.1635. Right of rescission as to certain transactions. ( a ) Disclosure of obligor 's right to rescind a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. ( b ) Return of money or property following rescission. When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission.
Product: Debt collection

I submitted a XXXX  complaint on XX/XX/XXXX. On XX/XX/XXXX I requested, among other things, validation of the alleged debt. 

Choice Recovery responded to this request by sending me a financial policy. The documentation, among other things, does not validate any debt, show any credits applied, or show any explanation of charges. 

While I was disputing the validity of this debt with Choice Recovery, I also contacted the original creditor ( OC ) XXXX XXXX XXXX XXXX XXXX XXXX. The OC, in my opinion through medical negligence, botched a dental procedure than caused me personal injury. I have been advised that in Missouri a dental assistant can not seat a crown which is considered by many to be a critical part of any dental restoration procedure. I had a crown seated by someone who was not trained to the standard of care and as a result I was harmed. The dentist advised me they would fix the issue at no cost to me. I was moving and I was fed a line that they were going to get me taken care of at a " sister clinic. '' Nobody followed up with me and I left several messages for them. They told me if their " sister clinic '' could not fix my issue ( s ) then I would receive a credit and not be charged. In XXXX I spoke with XXXX and confirmed via telephone that I did not have a balance. I was advised by XXXX, the practice XXXX, that she would have to contact legal in order to send me a letter confirming all of this. I never received a letter. And they must have blocked my number or something because whenever I tried calling back to follow-up, I was either left on hold for over XXXX minutes or made to leave a message and nobody ever returned my call. 

Despite my best efforts to follow-up I received no letter from the original creditor and on XX/XX/XXXX Choice Recovery posted a collection from this original creditor - this time for an even higher amount to my credit report. 

Choice Recovery posted the collection knowing full well they never validated the debt in XX/XX/XXXX and never sent me any oral or written communication notifying me that they were going to post the account. This is a violation of my rights under debt collection and consumer finance laws.
Product: Debt collection

In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. 
Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Please know that I am requesting debt validation for the account that is in the amount of XXXX on my XXXX credit report Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thanking you, XXXX XXXX XXXX
Product: Credit card or prepaid card

My credit card was charge for {$1900.00} for case # XXXX. The company " regus '' charge my card but did not provide the services they advertised and offered and has fraudulently misrepresented their billing and is incorrectly charging my for services they did not deliver. 

I provided Capital One with proof of this and they refuse to handle the claim correctly.
Product: Debt collection

I have tried several times via over the phone and via mail to have this issue solved as there were many inaccuracies regarding this account. Everytime I spoke with a representative from this agency, I was told they would be sending me letters with an updated balance, I was also told when I asked specific questions regarding validity of the account, that a representative would call me back. None of my calls were ever returned. There are different amounts owed and no validation has ever been provided to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency XXXX XXXX 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and found several accounts listed that do not belong to me. I wish to formally dispute these inaccuracies, as they have negatively affected my credit score and financial standing. 

Under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting an investigation and removal of these erroneous entries. 

The details of the accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries are incorrect as I have never opened or authorized these accounts. 


I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> - I was scammed {$1000.00} from a person impersonating a legitimate business. They took my money and never delivered the product I was purchasing
Product: Credit reporting

I contacted the credit trade line and noted that the account had been re-aged since XXXX took over the account from XXXX. XXXX and I entered into a Settlement but re-aged the account to keep a derogatory mark on my credit report. I then complained to the XXXX credit bureaus and they only asked XXXX if the information was correct and XXXX said it was. Despite my providing proof of the settlement agreement, Equifax refused to delete the trade line from my credit report. They also refused to report the balance owed as {$0.00} since I paid per the settlement.
Product: Debt collection

My husband is receiving robocalls ( at home, while he's at work ) from some company which comes up on the caller ID as " XXXX ''. The robocall assumes that someone is answering ( even though it's the machine picking up ) and says it will hold 3 seconds till my husband can get someplace " private '' -- which seemed VERY fishy to me ). When I called back to ask what it was in reference to they wouldn't tell me. So I said " If we tell you to not call the house, you have to NOT CALL THE HOUSE '' ( that is, as I understand it, the law ). Well we got another call this XXXX. So I called the number back, which was XXXX and got some company called " XXXX XXXX XXXX '' ( or some such ) and told the woman who eventually answered ( I did NOT give my phone number! ) that they had already been told NOT TO CALL. It got a little heated and the woman hung up. So I called again ( hey, it's THEIR dime ) and got someone else who *assumed* it was my husband calling -- so much for not giving them my phone number .... And I again said " It's illegal for you to call my house after you've been told not to do so! '' I then deleted the message and called my husband at work ( this may be a medical debt that he THOUGHT he had taken care of long since ) and he was going to try calling the number.
Product: Credit card

TD Bank advertised a 0 % balance transfer promotion which they did not honor. After opening a complaint to the CFPB ( XXXX ), they promised to honor the promotion and refund the interest charged in the next billing cycle, which, 3 months later they have not. I called them and the associate I spoke to was rude and helpless. This is terrible customer service.

Furthermore, out of desperation ( customer service initially refused to do anything ), I went ahead and repaid one of the balance transfers for {$1500.00} on XX/XX/XXXX therefore I would like the {$45.00} balance transfer fee charged on XX/XX/XXXX for this promotion refunded as well.
Product: Checking or savings account

On Thursday XX/XX/year> a deposit was deposited in my bank account for the amount of {$1000.00} which I didnt receive by Capital One Bank . I then contacted customer service which was not helpful, stating that they had a third party involved but wouldnt state what THIRD PARTY company it was. I lost time from work and couldnt feed my family for two days as well put gas in my vehicle. This is very disturbing as a company.
Product: Vehicle loan or lease

I initially attempted to resolving my concerns via phone but now due to their numerous voice messages stating I can either return their phone call or mail my concerns to XXXX XXXX XXXX XXXX XXXX XXXX I have opted for written communications to corporate in California and Customer Service in Texas. However, I suspect you will have better luck in getting a response than I. 

Basically, Hyundai systematically refuses to send their pay vouchers in a timely manner. So I send my check using the pay voucher from the month before. 

Currently, they have my XXXX payment in their processing office yet they refuse to present it to the bank or return it to me stating their reason it is nonnegotiable so I can address the issue. 

The reason the return of this negotiable check is important to me is because once before I was told they did not have my XXXX check, so I placed a stop payment and then they presented it to the bank for payment. 

This is all documented with the attached documentation.
Product: Checking or savings account

I reached out to one of your representatives about an issue with my account. Instead of addressing my concerns or helping, I was told to submit a written request, signed three times, along with a copy of my identification via mail.

Following the representative 's instructions diligently, I sent the documents you asked for as soon as possible. However, despite my compliance, I have yet to receive a follow-up communication from Navy Federal . Concerned about the status of my request and the security of my personal information, I reached out again to inquire about the matter.

To my dismay, I was informed that the request should have been emailed rather than mailed. This discrepancy not only confused me but also raised significant concerns about handling my sensitive information. Despite expressing my frustration and apprehension, the representative needed help to clarify whether Navy Federal received my initial letter or why my account access was restricted in the first place. I should not have to call several times to get my questions answered! At this point I would never trust NFCU with large sums of money in an account. 

Furthermore, I was given an email address, XXXX, and instructed to resend the documents electronically. I'm just getting back to you once again, so I quickly sent the required materials. However, despite multiple attempts to follow up, I am still waiting for a response or acknowledgment from Navy Federal.

As a result of this lack of communication and resolution, I need help accessing my account online. The inability to obtain information over the phone, coupled with the geographical distance from the nearest branch, has left me feeling frustrated and powerless. 

I am deeply disappointed by the lack of professionalism and efficiency Navy Federal Credit Union demonstrated in handling my concerns.
Product: Student loan

In XXXX, I began XXXX  school but was working full time. Navient automatically placed my XXXX loans into deferment when I began XXXX  school without my permission. I contacted them in either XXXX or XXXX upon noticing this and asked them to take them out of deferment, as I was working full-time and able to pay them. I was advised by the customer service representative that I should not do this and that the loans should always be kept in deferment while in school. I listened to them as I believed they knew best being the loan servicer. I was not notified that keeping my loans in deferment would substantially increase the interest that I now owe on them. I believe that the company misled me without properly informing me and am now left drowning in even more student loan debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regards to having these items deleted from my report. I am a victim of identity theft and I did not make these charges mentioned on the attached list. I have reported the theft of my identity to the Federal Trade Commission.
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 NUMBER : XXXX has violated my rights. I have sent many certified letters to the original creditor company mentioned above and to the credit bureaus and they failed to provide me the copy or any such proof of their investigation results about my complaint. This is my XXXX complaint and i decide to make this one directly formal with the CFPB because the original creditors company and the credit bureaus didnt do anything to respond or to solved this matter. I do not recieved any letter or document from the original creditor nor the credit reporting companies, in fact no real proof evidence of such or any invenstigation made. This is my personal information and I have the right by law to only be reported with 100 % accurate information. A lot of unverifiable delinquencies reported to my personal credit file and nobody takes an action with the credit reporting companies nor the original creditor company. XXXX are the confirmation numbers of the certified letters by date I have sent to try to solved this matter with the credit reporting company and the original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 writing instructions.

15 U.S.C 1681i ( a ) ( 1 ) ( a ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in aconsumersfileat aconsumer reporting agencyis disputed by theconsumerand theconsumernotifies the agency directly, or indirectly through areseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate andrecordthe current status of the disputed information, or delete the item from thefilein accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from theconsumerorreseller.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.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 reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>XXXX 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/year>
Product: Student loan

A few days prior to XX/XX/2021 I received a call about student loan forgiveness. I was told they are working for the U.S Department of Education, working with Public Service Loan Forgiveness. On XX/XX/2021 I called back to discuss forgiveness options. I was told I would have immediate relief and very small monthly payments. I was told that my other loans would be taken care of immediately and upon looking today, XX/XX/2021, and I still have my student loans due for this month. I was told I would have 4 monthly payments to start of {$190.00}. They automatically took out {$190.00} on XX/XX/2021, and it will happen again this month on the XXXX. I believe I am being scammed due to reading upon reviews of this conpany. All of my sensitive information was taken right off the bat and I, unfortunately did not give a second thought to it. I was not told where or even who my payments were going to. Looking upon my bank statements on XX/XX/2021, it looks like it's called BCO Consulting Services. They were insanely friendly and were intently knowledgeable with everything, which is probably why I didn't think twice about it.