23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Its has been nearly 5 months and this company still has NOT provided me proof that this debt belongs to me! I have contacted the credit bureaus, the collection agency, and the creditor providing my identity theft report and police report advising ALL 3 parties that I have been a victim of identity theft. Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter. I believe their actions are unlawful, shameful, vile and without merit. With that being said, it is distasteful for them to throw a curb ball of this magnitude, especially when they continuously REFUSE to Validate the Debt which would prove that they have proper ownership of the debt. Therefore, I believe the possible violations are as follow ( s ) but not limited to : 1. The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( c ) : Transactions Not initiated by Consumer. 2. 607. Compliance procedures : ( b ) Accuracy of report ( 15 U.S. Code 1681e ) 3. 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) 4. 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ) 5. Continued to attempt to collect a disputed debt is a FDCPA violation according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) 6. 15 U.S.C. 1692e False or misleading representations 7. 15 U.S.C. 1692f Unfair practices 8. FDCPA-Validation of Debts 15 U.S.C. 1692g 9. Extortion 10. FRAUD by knowingly attempting to execute, any trickery scheme with the intent to defraud a consumer/ debtor. 11. 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material 12. FCDPA-Communicating false credit information-807 ( 8 ) 13. FCDPA-Falsely obtaining information about me-807 ( 10 ) 14. FCDPA-Creditor Misrepresentation of Identity-807 ( 14 ) 15. The debt collector shall cease all collection once the item has been disputed according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) I HAVE DISPUTED THIS ON 3 DIFFERENT OCCASIONS!
Product: Credit reporting or other personal consumer reports

This is my 2nd 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXXXXXX XXXX Balance : {$1400.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you to inform you that I have several accounts that are listed on my credit report that I did not open. I have asked Transunion to delete this information but they have not. I am contacting you to have these accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

On XX/XX/2018, I checked my US Bank savings account balance, and withdrew {$160.00}. The savings account was not credited until two days later, after I had already checked my balance and withdrew {$200.00}. US Bank credited my account for both transactions ; resulting in an overdraft and overdraft fees. On XX/XX/2018, I checked my balance, and immediately went the US Bank location that I frequent. I was told that it was the tellers error for both transaction, but I am to be held financially responsible and that I could not close my accounts until I took care of that responsibility. Only when I warned them that I would contact the CFPB, and that they violated the Dodd-Frank Act did they close all accounts I had with them. Prior to this incident, the same issue occurred with my checking account deposits being held and my withdrawals going through creating a negative balance, and while I was there another couple was there dealing with same issue.
Product: Student loan

We are writing as a collective group of defrauded students and alumni who attended XXXXaffiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted.

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I decided to review my credit report.After reviewing my credit report amongst the 3 credit bureaus ( XXXX, XXXX and Transunion ), I noticed that there was unauthorized use of my personal identifying information as stated in section 603-15 U.S.C.1681a ( q ) ( 3 ) of the Fair Credit Reporting Act.Following my review of my credit report, I proceeded to file an identity theft report on the identitytheft.gov which I submitted on XXXX XXXXOn XXXX XXXX, I also submitted a letter to XXXX, TransUnion and XXXX to notify them of the situation.The specific details on my credit report that I am referring to is XXXX XXXX and they are stating that had I had a balance of XXXX which was paid then closed.Also, on my credit report is a claim from XXXX XXXX XXXX.They are stating that I have a balance which totals the amount of XXXXThat account was opened on XXXXThey have it as an open status.XXXX  also made a claim towards my report and they are reporting that I have a collection account in which I have a past due balance of {$320.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX XXXX as assignee of XXXX XXXX XXXX, XXXX ; is attempting to collect a false debt and also falsely suing me for debt that is not mine ; that I never had ; as I have never owned or had a XXXX XXXX account that XXXX states they purchased from XXXX XXXX in XX/XX/XXXX in the amount of {$3700.00}. XXXX XXXX XXXX claims I owe this debt and has attempted to collect the debt through bank levy. Court files show they have been pursuing me since XX/XX/XXXX and filed suit in XX/XX/XXXX without my knowledge and without ever contacting me. XXXX and it's associates makes claims to proof of service by substituted service in XX/XX/XXXX at an address I no longer lived at. XXXX has been attempting to collect and sue/take me to court ; all without my knowledge using an old address to pretend to contact me until XX/XX/XXXX in which I received notice from the county recorder of an involuntary lien recorded. On XX/XX/XXXX I called XXXX ' Collections Attorney ; Winn Law Group to receive information and dispute debt. They stated I now owe {$7200.00} ; which is a misrepresentation and not what is stated in the lawsuit. I sent a dispute letter and request for validation of debt by certified mail to both XXXX and Winn on XX/XX/XXXX in which they both received. Winn Law Group sent me their first correspondence ever stating they were attempting to collect a debt. The amount stated over the phone and on paper are different. The information provided in their correspondence to me does not belong to me ; nor are there any documentation of proof showing that I had such account or that there is a debt owed by me. The file sent to me was incomplete, unverifiable, and inaccurate and the dates do not match up nor are there any signatures or valid information to link me to this false account. XXXX filed in XX/XX/XXXX an abstract of judgment against me which should be stopped immediately. I only know of this recent file by way of the county recorder. XXXX has been attempting to collect a false debt since XX/XX/XXXX. XXXX obtained a default judgment in which I never knew about in XX/XX/XXXX by using a previous address so that I could not dispute or fight for my rights. A debt collector must serve you with notice of a lawsuit if it sues you. And if it gets a default judgment against you because it failed to serve you with notice of the lawsuit, it is prohibited from trying to collect on that judgment. Collectors are not able to collect phantom debts ; this is violating the Fair Debt Collection Practices Act. Saying I owe a nonexistent debt is in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making another report towards XXXX, XXXX, and Equifax in reference to XXXX XXXX BANK account number ending in XXXX. I am a natural living person writing this account!! I have been making multiple disputes because these credit bureaus have been violating my rights and preventing me from getting a mortgage to have a better living situation. 
This account was sent to collections without my knowledge which is completely unfair and discredits my character in making on time payments. 
This account has been reported inaccurately as closed on one credit report and still open on two credit reports, I have disputed this inaccuracy multiple times and none of the bureaus investigated properly to fix this which AGAIN violates my rights under the Fair Credit Reporting Act.

The Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 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 delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 the information is inaccurate
Product: Checking or savings account

Sofi Bank closed my account XX/XX/XXXX and sent all the money in the account back to the originator of the money. Basically, I deposited checks in the account and Sofi sent the money back to the person who wrote me the checks. I also had funds in there that I had transferred from my personal bank account that are gone now. It all started when I received a check with my middle name on it ( since thats what I go by ) and the check wasnt going through. I called and added my full name to the account and the representative informed me to resubmit the check. My account was then locked on XX/XX/XXXX because I tried to deposit the check again. I called them many times but no one could ever tell me anything. THEY NEVER CALLED ME. I reported them to the XXXX XXXX XXXX on XX/XX/XXXX. There was no contact from Sofi. I kept calling but no one could help answer any questions. Today ( XX/XX/XXXX ), I received an email saying the account was closed. I called them up but they refused to share any information, tell my why the decision was made, or let me speak to a supervisor. Because everything is done through the app and they dont send statements as attachments, all of the information about my Sofi account is basically gone.
Product: Debt collection

Received a KingSize XXXX and XXXX store card by Comenity Bank. My forst order I placed showed up as the wrong size, so I initiated a return online and returned the merchandise for a refund. I didn't want to pay the {$170.00}, since I was receiving a full refund, so I waited until the return was credited to my account. The refund came after the statement date, and they only refunded {$150.00} No one can tell me where the other {$23.00} is and why it hasn't been refunded to me. I then placed another order in the amount of {$100.00}. 
My new statement came out XX/XX/2021. On XX/XX/2021, I received 5 calls from 3 different numbers ( XXXX, XXXX and XXXX ) that all came back to Comenity bank. The calls were " dead air '', just silent on the other end and they hung up about 10 seconds after I answered them. On Sunday, XXXX, I received 5 more, The first at exactly XXXX, the rest all before XXXX. All of these were dead air as well, and they were from XXXX, XXXX and XXXX all of these numbers are shown as coming back to Comenity bank. I called the XXXX number for customer service on the card, ( XXXX ), and was told there was no one that could help me until XXXX Monday thru Friday. This is pure and simple harassment
Product: Debt collection

Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3
major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST.

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely remove from credit profile.
Product: Money transfer, virtual currency, or money service

I was scammed out of {$2000.00} from cash app and customer service was unavailable to assist me. Cash app customer service never reached back out and my money was never recovered. Cash tag is XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2018 I traded my XXXX XXXX XXXX for a XXXX XXXX XXXX. 
I had to drive from XXXX New York to XXXX New Jersey to get jerked. 
I gave them my XXXX and {$13000.00} plus came back a second time just to personally deliver the title for my XXXX and still havent received anything that I was promised. 
I was told I was going to receive a check for my first months payment an extra key for my vehicle two new back tire so I can pass inspection and my tile for the vehicle I am financing so I can register it. 
I spoke to two sales person in person XXXX ( manager ) and XXXX. And when I call I get the runaround from the secretary XXXX and the business manager XXXX. I call every day to their DMV department and speak to XXXX which is the manager and XXXX. I shouldnt have been so stupid in the beginning but I am waiting For about a month for title that isnt being sent over basically Im paying for someone elses car. Temporary plate is expired so I cant even drive the car By the way Im XXXX so I had to switch my hair control and pay for them out of my pocket {$800.00} and I have a document for everything
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reporting some time now about identity theft to all credit bureaus which has resulted in a lawsuit against XXXX Now I an starting to get many thing reported on my Experian and XXXX credit file, accounts and inquiries that are not mine. 

Experian is reporting : XXXX XXXX XXXX on my credit file that is not mine. I have no knowledge of this company and I have never opened an account with this company. 
Experian is also reporting hard inquiries that are not consented by me as I have not giving anyone permission to run my credit : XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXX ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX, 2022 ) XXXX ( XX/XX/XXXX. 2022 ) XXXX has tremendously dropped my score due to inaccurate credit reporting. 
XXXX reports accounts that are not mine : XXXX XXXX ( XX/XX/2022 ) {$5700.00} XXXX XXXX  XXXX ( I have has these loans in the past but I have not opened up another one and they have one on my credit file showing that it is past due, {$1200.00} reported XX/XX/2022 ( this caused my score to drop ) XXXX XXXX  ( another loan that I have had in the past and have not open another one is showing that I have a new one and I don't reported XX/XX/2022 balance {$810.00} XXXX XXXX ( another loan that I have had in the past and have not open another one is showing that I have a new one and I don't reported XX/XX/2022 Balance {$1300.00} XXXX is also showing hard inquiries that I and no knowledge of or gave consent as I have not had my credit ran XXXX XXXX XXXX  ( XX/XX/2022 XXXX XXXX ( XX/XX/2022 XXXX XXXX  ( XX/XX/XXXX. 2022 XXXX XXXX ( XX/XX/2022 XXXX XXXX ( XX/XX/XXXX. 2022
Product: Credit card

I'm writing about my Capital One SavorOne credit card. I had closed the card due in XXXX XXXX after a fraudulent charge. Capital One sent me a new card, but I didn't activate it right away and didn't use it for several months. 

Without my knowledge or permission, several subscription services XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  charged the new card- even though it had not been activated and should not have been able to be charged. I was unaware of these charges and didn't know the card had accrued a balance as I had never activated the card. 

When I realized the card now had a balance ( XXXX XXXX XXXX XXXX, I immediately paid it in full. I've been a Capital One customer for about 10 years with two credit cards and have never missed a payment before this and I haven't in the nearly two years since this incident. This one late payment has lowered my previously excellent credit score significantly and is impacting my ability to get a mortgage loan. 

The card should not have been able to be charged because I never activated it. CapitalOne has refused to remove the late payment from my record, even though I did not authorize these charges and it never should've had a balance in the first place.
Product: Credit card or prepaid card

I am the original creditor of the account in question. 

After further research into my account, I find there the be billing errors open-end credit plan NAVY FEDERAL pursuant Title 12 CFR 1026.21 and Title 15 USC 1666 ( b ). 

NAVY FEDERAL has taken adverse action against me in XX/XX/2021 and has closed this open-end credit plan. 

NAVY FEDERAL continues to try to collect payment from me regarding this account. Please see the attached statements of payments made to this account under fraudulent and threatening and harassing conditions. 

On XX/XX/2021, NAVY FEDERAL CREDIT UNION violated 15 U.S.Code 1692d ( 5 ) by causing my phone to ring repeatedly while using abusive language, forcing me to pay a debt. 

On XX/XX/2021, I contacted NAVY FEDERAL CREDIT UNION customer service due to the reporting of a late payment to my consumer credit report, causing my credit score to drop tremendously. 

I, have reason to believe and do so believes, am a victim aggravated identity theft under Title 18 U.S.Code 1028a as NAVY FEDERAL CREDIT UNION, atleast on four separate occasions, has knowingly used without lawful authority, a means of my identification in order to compromise my financial reputation. 

NAVY FEDERAL CREDIT UNION furnished my personal information to several third party on atleast 4 occasions which is a violation of 15 U.S.Code 1692c ( b ), without my expressed written consent.

NAVY FEDERAL CREDIT UNION is in violation of 15 U.S.Code 6802 ( 1 ) ( a ) ( b ) ( c ) by disclosing my nonpublic personal information to a nonaffiliated third party while not giving me the opportunity to opt-out or such information being disclosed, nor an explanation of how I, as a consumer, could exercise such nondisclosure option. 

NAVY FEDERAL CREDIT UNION is in violation of 15 U.S.Code 1681 ( a ) ( 4 ) by violating my rights to privacy. 

NAVY FEDERAL CREDIT UNION, on several occasions, has continued to use harassing communication while using a symbol affected by the mail pursuant to 15 U.S.Code 1692b ( 5 ) & 15 U.S. Code 1692f ( 8 ). 

NAVY FEDERAL CREDIT UNION has continued to use abusive debt collection practices as defined in 15 U.S.Code 1692 ( e ).