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

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing 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 provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Payday loan, title loan, or personal loan

I went into the location located on XXXX XXXX XXXX and {$1100.00} was stolen from me by PLS store manager XXXX XXXX located at the XXXX XXXX XXXX XXXX store. She refused to reverse the transaction. My bill due was for the amount of {$190.00}. She charged my card for that amount then charged it again for {$1100.00} ( which was the majority of my entire check ) I have hardly any money now she also claimed that nothing would be done about it until Monday. Which is devastating since it took her only a couple seconds to steal from me. and no one from her department has tried to reach out to me or assist me in refunding me my money she stole. The store manager also claimed that this was done in error but my intuition is telling me she has a history double charging people 's cards. If this was done in error, how come PLS refuses to refund me my money back. This took place XX/XX/2018 around XXXX XXXX  central standard time. I will be filing a police report .All I want is my {$1100.00} back that was stolen from me. The {$1100.00} was the majority of my scheduled paycheck that I receive every two weeks from my job. I have little to no money since Friday XX/XX/XXXX and I have bills that are due and small mouths to feed and an ill mother that I support I did not authorize that transaction. I don't understand why PLS won't give me back my money. I paid my bill on time which again ; was only in the amount of XXXX. And they still snatched money from my account that I did not authorize. I also will be reporting PLS to the Federal Trade Commission for poor and fraudulent business practices. PLEASE NEVER GET A LOAN FROM THESE THIEVES.
Product: Student loan

National Collegiate Student Loan Trust re-aged the XXXX accounts so the XXXX year period will began in XX/XX/XXXX not XX/XX/XXXX. This is a common trick by debt collectors in order to add more time to avoid statue of limitations laws. In addition, all three National Collegiate Student Trust accounts were dismissed in XXXX. I disputed the National Collegiate Trust or XXXX Services accounts on all XXXX major credit bureaus and the investigation results states, '' still remain ''.
Product: Debt collection

To Whom It May Concern : I have repeatedly asked TRANS UNION CREDIT REPORTING AGENCY for evidence to support reporting, but yet again, TRANS UNION CREDIT REPORTING AGENCY have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX XXXX XXXX substantiating their claims ( account # XXXX amount {$990.00}. Furthermore, I have requested TRANS UNION CREDIT REPORTING AGENCY method of verification, to date have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). This letter is in response to TRANS UNION CREDIT REPORTING AGENCY recent claim XX/XX/XXXX that XXXX XXXX XXXX XXXX XXXX has verified that the ( account # XXXX ( XXXX XXXX amount {$990.00} ) they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re investigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security # XXXX number. I am maintaining a careful record of my communications with TRANS UNION CREDIT REPORTING AGENCY for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non- compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX, XXXX ), you may be liable for your non-willfulness.
Product: Student loan

I ATTENDED XXXX XXXX COLLEGE IN XXXX XXXX ON XX/XX/XXXX & TOOK OUT A {$11000.00} STUDENT LOAN. IT SHOULD HAVE BEEN FALLEN OFF BECAUSE THE STATUTE OFCOLLECTING IS 7 YEARS AND BASS & ASSOCIATES COLLECTION AGENCY HAS BEEN CALLING MY CELL AND PREVIOUS WORK PLACES TELLING THEM I HAVE FINANCIAL ISSUES WITH THEM. I FILED BANKRUPTCY BEFORE AND THIS STUDENT LOAN WAS INCLUDED IN THE FILING. AM A SINGLE MOM AND IN A TIGHT BUDGET. SINCE XX/XX/XXXX MY INCOME TAX REFUNDS HAVE BEEN OFFSET AND I NEEDED THOSE REFUNDS TO PAY FOR MY RENTAL APARTMENTS, BILLS, AND CHILRENS EXPENSES. BASS & ASSOCIATED # XXXX ) XXXX ADDRESS IS XX/XX/XXXXXXXX XXXX, AZ XXXX. NOW MY TOTAL OWED ACCELERATED TO {$59000.00} AS OF XX/XX/XXXX VERSES MY ORIGINAL LOAN OF {$11000.00}. MY INCOME TAX OFFSETS SINCE XXXX SHOULD HAVE BEEN MORE THAN ENOUGH TO PAY OFF MY STUDENT LOAN OWED. PLEASE HELP ME LIFT OFF MY IRS OFFSET OF MY REFUNDS AND I DEMAND THAT THOSE REFUNDS BE PAID TO ME SINCE XXXX. XXXX INCOME TAX FILING IS ON HOLD FOR FILING BY XXXX XXXX UNTIL THIS OFFSET IS LIFTED AND NO LONGER IN MY SOCIAL SECURITY COLLECTIONS. THANK YOU VERY MUCH
Product: Credit reporting or other personal consumer reports

To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. I demand the following accounts to be verified or removed immediately : Name of Account Number Provide Verification Creditor 1 XXXX  XXXX XXXX {$870.00} ACCOUNT # XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX {$740.00} ACCOUNT # XXXX Creditor XXXX XXXX XXXX  {$2200.00} Creditor XXXX : XXXX XXXX XXXX {$150.00} Creditor XXXX : XXXX XXXX {$13000.00} Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Consumer Address ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Utah 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, Experian, 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 Accounts : XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX Bal. {$2400.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$910.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$710.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$680.00}, XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$560.00} XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$460.00}, XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$330.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$190.00}XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$59.00}, XXXX XXXX XXXXXXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 # ( XXXX ) 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 card or prepaid card

I have been trying for several days to log in to the Comenity website to pay my Credit Card bill. Their site will not let me log in. This is a wide spread problem, there are many customers that can not log in either. Our credit cards are being declined as well. If you attempt to call customer service, it will not go through.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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: Checking or savings account

I found out yesterday ( XX/XX/year> ) while trying to withdraw cash from an ATM, my checking account was blocked. I called the bank number that was otherside of my ATM/Debit card. They dod not give me any information except to say the account is under review. I visited branch this morning ( XX/XX/year> ), saw the branch manager but he could not tell me why was my checking account blocked.
Product: Credit reporting or other personal consumer reports

XXXX XXXX admitted to furnishing the credit bureaus with fraudulent information on my credit report but did not remove the inaccurate information from XXXX  or eqifax credit reporting agencies which is causing a financial hardship and damages. They are fraudulently reporting information as a third-party vendor and not the US Bankruptcy court as stated on my credit report. 

It is quite clear that someone from ( XXXX, XXXX, Equifax ) fraudulently verified this bankruptcy with the ( US Bankruptcy CourtXXXX ) or ( XXXX XXXX XXXXXXXX XXXX XXXX ) as reported, it was verified through the third-party vendor XXXX XXXX XXXX XXXX which is not the ( US Bankruptcy CourtXXXX ) or ( XXXX XXXX XXXXXXXX XXXX  XXXX ) according to the enclosed letter from XXXX XXXX which is an inaccuracy. That is a violation of the Fair Credit Reporting Act ( FCRA ) and Consumer Law which states : Under Consumer Law 15USC 1681e ( b ) that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Under USC 1681i ( 5 ) Treatment of Inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly deleted that item of information from the file of the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Checking or savings account

On XX/XX/XXXX, I received a call from this number : XXXX They were pretending to want to verify my information for my XXXX  account and said my bank would contact me to verify. I then got contact by what I thought was PNC from this number : XXXX. 
Immediately I saw 3 charges taken out of my checking PNC account from XXXX XXXX on XXXX. 
The charges were for {$40.00}, {$470.00}, {$480.00}. 
I called PNC bank within a minute. Filed a report and was told I was 100 % covered. I asked what next step I should take and the person said wait for us to contact you. 
No contact from PNC so on XX/XX/XXXX I called again. The lady I spoke to could tell a fraud alert was put on my account but said no report was ever filed for those charges. I filed another report, and was again told I would be 100 % covered. I was told in 10 business days I would recieve a credit for those amounts but asked if that could be expedited because I had actually filed the report on XX/XX/XXXX. The lady agreed and said I would receive a credit within 3 days. Then I received a call from XXXX XXXX from Pnc on that 3rd day saying that it would be 10 days from XX/XX/XXXX to process the report. I now have recieved a call today saying that I am responsible for all the charges take from my account and will not be getting any credits, after being told over 3 times I was 100 % covered. It is now 15 days from the original event. My original report was never filed and I filed it before the charges even processed from my account so PNC neglected to handle this accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I log into myequifax.com my credit file doesnt show up. It is completely blank. I have spent hours in the phone with equifax to no solution to the problem.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was surprised to find inaccurate accounts listed, and I dont understand why. I review my report regularly, but this time, I found discrepancies that were never there before. I attempted to refresh my browser, thinking it might be a temporary issue, but the errors remained. Because of this, I request a careful review of the documents I have provided to ensure this does not happen again.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting UNAUTHORIZED INQUIRIES on my Credit Report. 

TransUnion : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX days late in XXXXXXXX XXXX, XX/XX/2021, and XX/XX/2021. 

XXXX XXXXXXXX XXXX XXXXXXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this XXXX XXXX a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to an information breach with Credit Bureau, my credit file was locked. In attempting to unlock my file, I was told that my answers to security questions were incorrect. However, I am a victim of identity theft since 2010. A police report was filed and an affidavit affirming that my social security number was used in an attempt to file for a tax refund and obtain a home loan. There is also a flexible spending account listed in my credit file that I have no knowledge of. 

How do I get my credit file information corrected and unlocked?
Product: Credit reporting or other personal consumer reports

I want to do what is fair and equitable to me as a consumer by blocking and deleting the items identified as identity theft from my consumer report.
Product: Debt collection

On XX/XX/2021 I received a letter from American Coradius International ( ACI ) LLC in regards to the collection of a debt for {$8900.00}. After I reviewed and investigating this communiction, I discovered that this communication violated Federal Debt Collection Protection Act ( FDCPA ) 15 U.S. Code 1692c ( a ). I did not give ACI prior consent to any communication with me. ACI failed to provde me with any signed agreement that gave thm authorization to collet any amount in regards to this debt as per my dispute letter mailed on XX/XX/2021. This is a violation of FDCPA 15 U.S. Code 1692f. These actions lead me to believe that ACI is participating in deceptive actions and is in violaiton of FDCPA 15 U.S. Code 1692j. I feel that these actiosn are also a form of harassment nad violates 15 U.S. Code 1692d. 

I received a letter from American Coradius International ( ACI ) LLC located at XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX NY XXXX, in regards to the collection of a debt for {$8900.00}. This communication violated Federal Debt Collection Protection Act ( FDCPA ) 15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ... I did not give ACI prior consent to any communication with me. 

After I disputed this alleged debt with ACI, ACI failed to provde me with any signed agreement that gave thm authorization to collet any amount in regards to this debt as per my dispute letters mailed on XX/XX/2021, and XX/XX/2021. This is a violation of FDCPA 15 U.S. Code 1692f ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

These actions lead me to believe that ACI is participating in deceptive actions and is in violaiton of FDCPA 15 U.S. Code 1692j ( a ) ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

I feel that these actiosn are also a form of harassment nad violates 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt ...
Product: Student loan

I called in to the servicer. I told them took out the parent plus loan for my son to attend XXXX XXXX. I went to tell them I have spent my entire working career working with non-profits or as a civil servant and that I recently lost my job because I became Ill with XXXX and hadnt enough time off to cover my absences. I was told great news and that the loan would be forgiven and was wiped out. We spoke for a little while longer and I believed that I no longer owed this debt. Unfortunately before we said goodbye my phone had lost it charge and disconnected the call. It was end of business, I was multitasking and I believed we were complete with all the things that needed to be done, so I didnt call back. A few months later I began receiving billing from the new servicer. I contacted them once and wasnt happy with the tone of the representative, so I ended the call. Im upset that I believed this debt was complete and now I am in an even worse financial position and Im unsure of my options. If there is anything I am able to or have a possible method to get this to closure I would appreciate the information. I understand if theres nothing. However, my hope is for some kind of resolution to ensure fair and honest business practice. 

Thank you for your time. 
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX