23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To Whom It May Concern : This letter is regarding account ************* XXXX, which you claim I owe USAA Savings Bank {$14000.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspondent local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative marks found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for debt a debt that I don't owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete this entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond may result in small claims and legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : * defamation * Negligent Enablement of Identity Fraud * Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) * Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) XXXX XXXX
Product: Debt collection

It is with great concern that I note your bureau 's insistence on reporting these accounts as accurate, despite a lack of sufficient evidence to support such claims. This raises serious doubts about the veracity of the reported information and its compliance with the Fair Credit Reporting Act ( FCRA ). I was the victim and Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. I must emphasize that the burden of proof lies with the credit reporting agencies to substantiate the accuracy of the information they report. In the case of the late payment accounts in question, I have yet to receive any verifiable evidence confirming the accuracy of the reported late payment dates. The absence of such evidence leads me to question the validity of the reported information and its compliance with the standards set forth by the FCRA. 
COMENITY BANK/EXPRESS XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
In light of the aforementioned concerns, I hereby request the immediate removal of the inaccurate late payment information from my credit report. If there are any discrepancies or lapses in payment, it is imperative that the bureau rectify these inaccuracies promptly. I expect that the bureau will adhere to its responsibility of reporting accurate and up-to-date information, and any failure to do so would be a violation of my rights under the FCRA.
Product: Debt collection

XXXX XXXX contacted me 2 times on 2 different numbers XX/XX/XXXX trying to collect a debt. Called them back XX/XX/XXXX and explained i did not receive a debt validation notice from them. Continued to ask about personal information and how i would like to handle this debt. I told them they were in violation of FDCPA and not to call me any further. XXXX XXXX XXXX number calling me.. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the following accounts to be attended to on my credit reports, I have previously tried to contact each of the following companies to legally validate and verify the accounts they are reporting I have with them, but they have failed to provide me any proof of any contracts with my signature, and have failed to respond to my disputes XXXX, Equifax and XXXX have failed to remove the accounts even after the dispute ended with no verification, or proof of investigation By Law a Collection company has to be licensed in the state that they are attempting to collect the debt in, I have listed the following companies that I have searched in Consumer Access .Next to each company I have listed the search result. I have also attached proof of the search pdf. 

XXXX. ) XXXX XXXX ACCOUNT # XXXX ( NOT FOUND ) XXXX. ) XXXX XXXX XXXX XXXX ACCT # XXXX ( NOT LICENSED IN TEXAS PDF ATTACHED ) XXXX. ) XXXX XXXX XXXX  ACCOUNT NUMBER XXXX ( NOT LICENSED IN TEXAS ) XXXX. ) XXXX XXXX  ACCT NUMBER XXXX ( NOT FOUND )
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  BLATANTLY VIOLATES SEVERAL FCRA regulations. XXXX XXXXXXXX XXXX XXXX account was CHARGED OFF on XX/XX/XXXX but XXXX XXXX XXXX XXXX continues to report it as a charge off every month in this manner updating it monthly. Not only that it also add additional charges/fees after charge off, so balance keeps Charge off account should not have any updates after it was charge off. This inaccurate information falsely manipulates statute of limitations, and proves that XXXX XXXX XXXX XXXX deceptively report incorrect information to credit agencies. Despite being charged off, XXXX XXXX XXXX XXXX has failed to provide me with a 1099-C form, as required by IRS code 4681. Additionally, XXXX XXXX XXXX XXXX has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties. This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and 248.124 ( Reasonable opportunity to opt out ) Furthermore, XXXX  has violated my rights under the Privacy Act of 1974. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.
Product: Checking or savings account

My bank card was used fraudulently on XXXX. I called PNC on XXXX to report it, dispute it and cancel the card. There were 11 transactions but only 9 could be disputed at the time, the other 2 had to wait until posted. 2 disputes were filed. On XX/XX/XXXX I filed the dispute for the remaining 2 transactions. On XX/XX/XXXX the provisional credits on my account were reversed, charging back my account. I called and was told I was unreachable and they closed the disputes. I received 2 letters from PNC shortly after XXXX but that is all. No phone call, email, text, voice mail or message on my account. I also questioned why I was never asked anything on XX/XX/XXXX about the disputes when I called if there was information needed. No answer and oh well for you was the basic sentiment given. I reopened the disputes and asked when the credits will be applied since this is fraud and they are to protect me as a consumer with their bank. I was told no credits will be issued and I have to wait 45-90 days until the investigation is concluded to see if I will receive my money back. It was at that time I also noticed that one of the disputes I filed on XX/XX/XXXX didn't have a credit either. It was a new dispute at the time. The person couldn't answer and said, you will have to wait for that as well. This bank let someone use my money and is holding me responsible for it, is what their actions say. I have fraud protection on my account and they are not owning up to it, as they should as a financial institution. I was told that I can call the merchant and ask for the refunds myself since these purchases were not made by me. This is just criminal to me that a bank isn't protecting me from fraud on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX let someone take out a loan in my name I have disputed the account with all three credit bureaus they have removed the report XXXX XXXX continues to put the debt back on my credit report they keep raising the balance then lowering the balance and placing hard credit inquiries in order to drop my credit score I have called XXXX XXXX  to dispute the debt only to get cussed at
Product: Money transfer, virtual currency, or money service

In XXXX, I traded in my XXXX XXXX that was having connectivity issues with XXXX Retailer at the XXXX XXXX in XXXX, PA. The phone was still not received by the company and did not receive the credit. On XX/XX/2024 I noticed charges on my PayPal and Venmo accounts from a XXXX XXXX XXXX. I did not have an account with XXXX XXXX XXXX, therefore I knew it was fraudulent. Venmo was able to verify the fraudulent transactions and updated my account. I contacted XXXX XXXX XXXX who also closed the account. PayPal refuses to consider this a fraudulent activity as I have used online casinos in the past which is bias. They are requesting {$700.00} and ceased my account. I am unable to pay my PayPal Credit and PayPal MasterCard as I do not have access to my account. 
XXXX has acknowledge unauthorized use of my phone traded in and has disabled the phone from future use.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have attempted to resolve this debt voluntarily on numerous occasions. I have now received a summons indicating that the plaintiff is XXXX XXXX XXXX. In contacting XXXX XXXX XXXX they have advised me that they sold the account a long time back to a company called XXXX XXXX. I think that Rubin and Rothman are baiting me into paying the debt by utilizing XXXX XXXX XXXX 's information on the plaintiff category. I now have 20 days to reply to this or they are executing a judgement against me. I question as to how many others have been in this position and how many were unable to provide an answer therefore a judgment against them was processed. They could be collecting millions of dollars through illegal judgments.
Product: Debt collection

My credit report was pulled today and there is a collection from Midland Credit Management regarding a " Pay Pal Acct '' with XXXX XXXX. They also referenced an address that did not belong to e as part of the verification process when I called MIdland to discuss this incorrect reporting. They said that it would take 90 days to resolve but I am in escrow at this time and this is hurting my transaction and risking my escrow deposit. 

I am attaching my previous credit report which also reflects all my previous addresses to show that this account truly does not belong to me. 

I can provide the most recent one from today showing the new collection. Please let me know if you need anything regarding this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I was sent by mail the PHH Mortgage Trial Period plan XXXX. I have made all XXXX required trial payments in the amount of {$380.00}. I received a property foreclosure sale letter from the foreclosure attorney stating my property will be sold XXXX. 
I don't think its right that my house is going to be sold and I have made my payments. 
Payments were sent by XXXX XXXX, I'm attaching the receipts. I feel I'm being discriminated against because I'm a XXXX elderly man. I think that regardless of what I do per the request of the mortgage company they are going to foreclose on my home. Please Help
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking through my consumer report in the beginning of XXXX of 2022 I noticed inaccurate accounts and information on my consumer report. The consumer reporting agencies never gave me my right to opt out and furthermore they never asked for permission to furnish this information. Further they have assumed this vital role and have infringed my right to privacy selling my information to a 3rd party debt collector and pursuant to 15 USC 1681 ( 4 ) my privacy has been invaded and damages have been done, the damages arose were to my mental health and my ability to get an apartment. Also, in pursuant to 15 USC 6802 obligations with respect to disclosures of personal information, ( b ) Opt out. A financial institution may not disclose nonpublic personal information to a non-affiliated third party. I have the right to opt out, but they are not giving me the right to. XXXX, XXXX, and Equifaxs private policy explain how they protect the privacy of the consumer, but they allowed 3rd party debt collectors into my consumer report. Also in Pursuant to 15 USC 1681a ( 2 ) ( b ) The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility. Exclusions, the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. In pursuant to 15 USC1602 the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. By any card that includes my drivers license, Social security card. To put everything together my student loan was approved but my social security number and drivers license were used a transaction of obtaining money and by law this can not be on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed 9 separate disputes via XXXX
Product: Checking or savings account

My account was frozen yesterday XXXX XXXX without warning. There was a deposit for an amount which I have never deposited before {$18000.00}, but it's from a financial lender XXXX, additional deposit {$6800.00} came from XXXX XXXX because I am in the middle of the process to purchase a vehicle, which is now on pause due to this infraction. Now no one at USAA bank will speak with me when I call, but instead, an automated voice tells me I need to submit photo documents to verify my identity. This has put me in a situation where I have no money and my Mortgage ; rent for where I am currently living, and all my monthly payments will be late. All my payments are setup as automatic payments so they will be blocked on Monday.
Product: Money transfer, virtual currency, or money service

transfer service. 

On XX/XX/year>, I initiated a transfer of {$160.00} from my bank account XXXX using Zelle. The transfer was intended for a family member. However, the transaction did not go as planned because the funds never reached the recipient.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX  has violated my rights. Or a list of inquiries : 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 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: Credit reporting or other personal consumer reports

I want to draw your attention on these accounts which are erroneously being reported as late payment and charge off on my credit report, despite the fact that I have consistently been a responsible and long-standing customer with a history of on-time payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/2022 XXXXXXXX XXXX/2022 XXXX XXXX XXXXXXXX XXXX/2022 XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX2022 XXXX XXXXXXXX XXXX/2022 XXXX XXXX XXXX XXXX2022 XXXXXXXX XXXX/2022 XXXXXXXX XXXX/2022 XXXXXXXX XXXX/2022 XXXXXXXX XXXX2022 XXXX XXXX XXXX2022 XXXX XXXX2022 XXXX XXXX/XXXX/2022
Product: Credit reporting 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  Account Number # XXXX XXXX ) XXXX Account # XXXX XXXX ) XXXX XXXX XXXX : Account # XXXX XXXX ) XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX ) Account # XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account : # XXXX XXXX ) XXXX XXXX Account : # XXXX XXXX ) XXXX XXXX  Account : XXXX All the account that i listed above 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 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: Credit reporting, credit repair services, or other personal consumer reports

A couple months ago, I got a notification from XXXX XXXX  that I had a new inquiry on my credit file. 

I didn't recognize it, and later learned that it had to do with the " Apple Card '' in which I was positive I never inquired about as I do not and have never owned XXXX devices which I. Also learned is a " prerequisite '' to obtain and use the apple card. 

So I called GS Bank/Apple Card directly, and they were very helpful. 

As a result my " account '' with this company was infact deleted. However the inquiry is still showing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received a bill from XXXX a couple of months ago, I called them and told them it was not my bill, I was told it was a speedy cash loan taken online. I filled a police report, sent information to XXXX and Speedy cash that this was not me. Made several calls to each of them, filed info online with government agencies, etc. I 've never taken a speedy cash loan. This is reflecting on my report. What can I do, someone took this in my name, it was not me. Ca n't they trace where the money went, obviously it did not go into my banking accounts. How can I get this cleared. Any help is so appreciated. Thanks XXXX
Product: Mortgage

I had my mortgage reviewed under XXXX ; however, I was advised that since my mortgage is so low ( Est- {$32000.00} ), the fees associated with this were {$5200.00}. Per government guidelines, the fees could only be 3 %, which is around {$960.00} base on my loan balance. Therefore, Nationstar would NOT be able to do a modification to lower my rate. I do not understand why the fees they quotes are so high - {$5200.00} in origination, title, etc for fees seems to be an exorbitant amount. The associate stated he could ask for a supervisor to right off {$4000.00} in fees, but it would NOT be approved, so he was NOT going to ask. He pretty much told me that everything needs to be good for 'both ' sides ( company and consumer ) for this to happen, and that I just did n't owe enough money. I asked if I would receive something in writing, and he said no, since he was NOT going to put anything through, nor ask for an approval to 'write off ' {$4000.00} in fees.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX