23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I purchased a XXXX monitor from a website that was originally named XXXX, they now changed their name to XXXX. I was charged a total of {$840.00}. It was months until I asked about my product after going back and forth I decided to ask for a refund. I was sent a text message and email on XXXX. XXXX claiming that my money was going to be refunded in 20 days. The phone number was XXXX ( XXXX ) XXXX. After nothing was returned I would continue to go back and forth with company reps claiming that theyre doing their best to help. On XX/XX/XXXX I spoke with my bank to file a refund claim they denied it due to not being within 60 days of the original transaction date. A couple of days after I filed the claim, the fraudulent website emailed me saying the item was in stock if I would like to place an order for one.
Product: Debt collection

COLLECTION CONSULTANTS OF CAL XXXX XXXX COLLECTION CONSULTANTS OF CAL XXXX XXXX COLLECTION CONSULTANTS OF CAL XXXX XXXX COLLECTION CONSULTANTS OF CAL XXXX XXXX Attn Consumer Fraud Dept. 

I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, : Furthermore Collection Consultants has sent me a bill with a different address than my own from XXXX. 
The bill also had a name I do not know and am not associated with. 
My research show that the insurance for that bill was with XXXX am with and have been with XXXX XXXX XXXX XXXX please see attached docs ) I have always been going to XXXX XXXX NOT XXXX
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) 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 : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. 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, pleas inform them of my dispute regarding the validity of this XXXX Thank you for your prompt attention to this matter. 
assets.XXXXwith.me
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft from XXXX XXXX breach. 

Since then I have placed a lock on my credit report and also froze my credit with all XXXX Bureaus. XXXX has also placed a statement on my credit report. Nevertheless I am still having accounts opened on my credit report that is not mine. 

The latest XXXX is from XX/XX/XXXX, XXXX XXXX XXXX  XXXX was opened and transferred to a debt collections agency. {$790.00}. XXXX XXXX XXXX. ( I have never lived nor live there ). This has caused emotional distress, and also I am unable to move to another home until this removed from my Credit. 

Please help, this continues to happen and I dont know what to do anymore.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act 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 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Debt collection

XX/XX/2020 RE : Citibank, N.A., Security Services, Last four digits of Account number XXXX, and reference your case # XXXX with XXXX XXXX XXXX , XXXX, ( XXXX ). 

Citibank , N.A . address identifier at XXXX. XXXX XXXX, XXXX XXXX, SD, XXXX. 

From XXXX XXXX XXXX This notice and communications is sent to Citibank, N.A., to inform them to stop and cease their actions. The account XXXX is been closed due to fraud and identity theft. XXXX, has communicated this to Citibank , N.A . and me in a letter of XX/XX/2020. I have affirmed to Citibank , N.A . this fact, that the account has been closed due to identity theft and fraud. Citibank, N.A., has continued to behave unprofessionally and continues to haze me. Citibank, N.A., has acted without care regarding protecting my identity or restoring the costs of legal fees and research due to its own data breach. The data breach within Citibank, N.A., recorded in its history. 

Citibank, N.A., is harming me personally and in error, my address identifier is not XXXX XXXX XXXX, XXXX, New York, XXXX. Citibank, N.A., is no longer permitted to sell my identity and personal data to companies, this is hazing and an act of harm and violence against me. 

Thank you so much for your attention to this matter. Citibank , N.A . is to stop and cease all actions against me immediately. XXXX, XXXX, or XXXX  are not selling my address identifiers to companies. I have secured personal identity theft protection at my own cost. 

Citibank, N.A., has a debt due me of {$7500.00} for legal fees, research, identity theft protection, loss of wages, inconvenience, and misuse of my name, address, and personal identity. You have to stop selling my identity. Please mail my check for {$7500.00}, to XXXX XXXX XXXX, XXXX, New York, XXXX, for legal fees and research and stolen identity.
Product: Debt collection

I received a harassing phone call from Portfolio collection for a fraudulent debt that I do not owe. Im also on the do not call list and keep receiving calls from this company. The representative refused to disclose the companys name as I requested it several times. He would only state his name and the caller ID had shown the call as unknown. I would like these harassing calls and false accusations to stop. Ive told Portfolio several times that I was in the do not call list and that I do not owe any company debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( Experian, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The information for this account listed on my credit report is : XXXX XXXX XXXX, BALANCE {$1800.00}, OPENED XX/XX/2019, ACCOUNT XXXX
Product: Checking or savings account

At the end of XXXX I received a letter stating my account would be closed and an investigation would be conducted to determine if there was any fraudulent activity. The letter stated N0 withdrawals or deposits could be made into the account. Ovdn XX/XX/2022 the XXXX XXXX XXXX deposited funds into the account and the funds were accepted, but I was not able to access them. I was told once the investigation was complete the funds would be mailed to me. It has been nearly 5 months and they are still holding my funds. I have contacted the bank and been told many different things, but no one can tell me why my funds have not been sent and when I may get these funds,
Product: Debt collection

On XX/XX/XXXX, I was sent a letter by XXXX saying that my personal information was compromised as a result of a data breach. On the same month, a debt collector MRS associates reported a XXXX account that was opened on my name in XXXX  ( never lived there ) and unpaid balance of {$840.00} that was reported in collections to the XXXX credit bureaus. I successfully disputed that account and got them to remove it from my credit report. That account was then sold to XXXX XXXX XXXX with the same thing and they too reported to the credit bureau that it was under collection. Again, without sending me a letter verifying the validity of the debt. And so, both MRS associates and XXXX XXXX  are in violation of CFPB as they never contacted me and immediately went to credit agencies. Now again in XX/XX/XXXX, XXXX XXXX is doing the same thing and the account is currently under dispute. As soon as I told XXXX that they never sent me a letter notifying the validity of the debt, they then sent me a letter. Clearly violating the practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

Equifax is govern b

y 15 USC 1681 and they have voilated my rights numerous times. I demand the accounts listed below removed. According to 15 USC 1681 : I have rhe right to privacy and I didn't give equifax permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Hyunday stilll contact me because I am late on payment since cov19 I been try to pay them. This morning I spoke with a person that say my payment are return in specific for the month of XXXX, I just verify me statement for XXXX and its was done for the amount of XXXX on XXXX I request a skip month because my work change as a promise I summit to Partial payments on XX/XX/2022, even if I dont have to pay that month in agreement with the extension l. Last payment its was effect for the amount of XXXX for XXXX and XXXX. Next payment on XXXX. They still say that I am late. This the reason my complaint they dont even provide a email to show them the payment for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im disputing the following accounts due to the fact that the accounts are fraudulent and does not belong to me. My identity was compromised and put on the dark web. And this has affected my credit files greatly. I'm demanding the immediate removal of these unauthorized accounts. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX  7. XXXX XXXX {$3.00} 8. XXXX XXXX {$110.00} 9. XXXX XXXX {$280.00} 10. XXXX XXXX XXXX {$3.00} 11. XXXX XXXX XXXX {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My records seem to be impacted by the latest XXXX breach. I would like someone to address the possibility of identity theft and possible impact on credit. Thank you.
Product: Debt collection

I was recently made aware of a debt that I may owe to XXXX XXXX XXXX XXXX XXXX in the amount of {$78.00}. This debt was related to a deposit account I had with this organization. I noticed the debt reporting to my credit files and disputed the information. I was quickly advised in writing from XXXX XXXX of this debt. I made a call to XXXX XXXX this morning XXXX/XXXX/2016 to advise them of my intention to pay this debt for {$78.00}. They had advised me this account was placed with a company called Monterey Financial based out of California. 

I contacted Monterey Financial when they opened this morning ( XXXX/XXXX/2016 ) and was advised for my account number with them and that my balance is not {$78.00} but {$120.00}. I argued stating that XXXX states it to be {$78.00} and that is what they are reporting. They stated that the account was placed with them for collections over 3 years ago. They had very old contact information and had no way of getting in touch with me. They stated they last attempted to reach me on XXXX/XXXX/2016 with no luck as again the information they had was almost XXXX XXXX XXXX. 

After going back and forth with their Agent XXXX XXXX XXXX. I decided I was getting no where. So I contacted XXXX again and they informed me that anything they would be charging would be their fees or accumulated interest on my original debt. 

To the best of my knowledge the FDCPA expressly forbids this. As a consumer I am not required to pay any unauthorized charges such as interest rates, fees, or other charges. XXXX also advised me on this call that only the amount of {$78.00} would be sent to them. I called back Monterey Financial and they advised me that the total amount of interest was billed at XXXX cents/day. This brought my balance to {$100.00} and they were charging a {$20.00} processing fee to handle my payment. They also advised me that they total amount of {$100.00} would be sent to XXXX and they only collect the {$20.00} for the payment fee. 

As far as I can tell I am paying an unlawful 10 % interest on a {$78.00} debt to capcom fcu and an unlawful {$20.00} payment processing fee to Monterey Financial. 

I made this payment because I am attempting get approved for a mortgage and was advised this could potentially hinder me. After making this payment I quickly researched and realized that I may have been charged undue interest and payment fees on behalf of XXXX and Monterey Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I started addressing this issue with OCWEN 2 years ago - they have only pushed me from group to group and no one has given me any solace or resolution. 

I have called and addressed this issue likely 100 times in the last 2 years.

OCWEN 's lawyers conspired with my lawyer to commit fraud and did. OCWEN paid my lawyer XXXX XXXX and I paid my lawyer to refinance the property I live in, after discovering that there were 14 violations of TILA and RESPA in my purchase and sale. They conspired to settle the debt by adding 10 's of thousands of dollars in fee 's. Because of it I am now unable based on the settlement able to correct them on the fact that they wrote into the settlement that I could never sue again for any reason including if they broke the law again. No lawyer can intercede because the CAL BAR will not allow them to negotiate with mortgage companies any longer. No lawyer will sue any other lawyer for such a small amount - no one is interested. I have escalated this to the CAL BAR  and they are investigating - this should take more than a year based on another case similar to mine that I am privy to. 

There is a reason that OCWEN is the most often sued lender on earth.
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies Dear XX/XX/XXXX, I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus. 

It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly, specifically payments paid on XX/XX/XXXX, XX/XX/XXXX & XXXX, XXXX. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. 

I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. I am requesting that you report all current payments to all 3 credit bureaus immediately. 

Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I received a phone call from credit collection Bureau, they stated I owed XXXX I'm debt, most of which is more than six years old. When I asked for a debt validation letter after explaining that this is the 3rd credit collection company to contact me about this specific debt one being from XXXX the birth of my child which was covered under XXXX they refused, I spoke with the supervisor who also refused.
Product: Credit card or prepaid card

Good Day I have downloaded an APP named XXXX XXXX from XXXX XXXX   store on mobile after checking it's rating which is XXXX which means is suitable for XXXX and above, after that i have done a profile on this program to be used by my brother 's daughter whom XXXX  years old! after download the app requested a charge to activation which is done for first time by saved credit cards on google wallet, then i have found out that they have placed Many many repeated charges over my credit cards everytime my brother 's daughter uses this program, actually i was not receiving any info from my banks regarding the charges done on credit cards, upon reviewing the statements i have found that have deducted more than 500 $ during month of XX/XX/XXXX for every single log in to this app i have placed a complaint with google help to receive their call back with NO RESPONSE at all! they never called back or supported in this issue and never apologized upon escalating this issue to their TZ Complaint center, all transactions is being attached as they are very many, upon checking this app i have found out that's it's XXXX!!!! because it's full of XXXX XXXX XXXX and sort of tricky gambling inside this app which means that i have been fooled by downloading such a program from XXXX XXXX XXXX! upon searching on internet for this app i have found out that many many many users around the world has got scammed by this APP! and even it's published on Google feed back section ( Forum ) i even found it between the most 10 dangerous social media apps on internet and it's not trust worthy at all! beside i have found out that this app website and it's services is banned in XXXX by government, i start to take look deep in this app and i found out that it's a sort of money laundering across the world!! hiding behind being live show! while it's not it's all about charging people from XXXX XXXX  area and then transfer few of this money they charged to people who casting themselves through unauthorized and illegal way they are playing Bank rule! actually i have been fooled by Google for not describing such an APP and for even having such a very dangerous app on their store and verified by them, second i'm very disappointed from Google regarding their reply that only very few transactions will be refunded while the rest is not regarding to their policy which is not clear and true! their policy must be clear to every one in their Rating on app store! and such a program should never be available on their store without parental control!! i need full refund to every penny google has charged my credit cards through this fake and scamming program especially that i have found many many google customers complaining from same issue happened to me and this APP with same rating still on google!

Thank you for taking time to read my complaint and your support and action is highly appreciated regarding this issue because it threats our childs safety and ethics and threats the world social peace life by making banking transactions for show casters through unauthorized charges coming from other users.

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. Equifax is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting

please help me to come to a resolution in this matter, i have been a victim of ID theft and several accounts have been used on my behalf, i have already disputed this matter with all XXXX credit bureaus but so far no help from their end, i will be attaching my police report that i have inquired from XXXX XXXX police department along with the FTC application. 
please follow this issue with them thank you for your cooperation