23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Alleged company use scare tactics to threaten me to pay. I ask for debt validation numerous times yet no validation proven debt is mine. They violate my rights. Company not legit at all as do n't know what their REAL address. This company real fake.
Product: Checking or savings account

There was a dispute submitted thought my bank account in the amount of {$230.00}, {$350.00} and {$600.00} by fraud because the time the disputes submitted i was out of the country exactly on XX/XX/2023 and i came back on XX/XX/2023. After i came back feom my trip i found all these mess on my account and i also didn't find my Card in my possession. I report fraud to the bank to investigate that all the transactions made inside the United States and i offer to provide my flight tickets and my boarding passes. Unfortunately two days ago i noticed my bank account has been closed without any notice or investigation resolution. Therefore please investigate with the bank and have my right and justice be served. Thank you very much and your consideration is greatly appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  account and XXXX inquiry has report defamatory information about me to the 2 credit Bureaus on XXXX account. I am challenging the incorrect information with XXXX account and XXXX inquiry on my credit report is fraud. Where XXXX clearly violated the law. XXXX put on my credit report an account number that is not my and the balance is false. XXXX  monthly payment of the account that is completely false and incorrect. The account is false, the date and the amount. I am a victim of identity theft. XXXX is attempting to collect an alleged debt on the basis of fraud. XXXX, XXXX and Equifax decided to ignore my demands for Validation. Validation of the debt XXXX and XX/XX/2021. I need an ( actual accounting ) 2. Verification of claim against me ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties under Federal Debt Collection Practices Act ( FDC PA ). Im challenging this account with XXXX account and the inquiry with XXXX violation of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft but still no action from the XXXX credit bureaus to remove the fraudulent items in my file. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I requested a " {$1.00} '' credit report from TransUnion. For the following 44 months, I was subscribed to a recurring, monthly {$17.00} subscription to a credit monitoring service I didn't want, was unaware of, and never used. 

My understanding is that the CFPB issued a case against TransUnion in XXXX, detailed in File No. XXXX, for restitution of consumers like me. Unfortunately I never received any information about this -- until today ( XX/XX/XXXX ). It seems that the practice of automatic subscription I was subjected to was deemed unfair and punishable. Unfortunately I was not contacted about restitution, perhaps because I moved twice during this time period. 

I contacted TransUnion today ( XX/XX/XXXX ) and requested that they refund me ; they agreed to a 5 month refund. I think it is fair to somehow claim the other 39 months, and would appreciate any help in doing so.
Product: Mortgage

XXXX XXXX XXXX is representing the holders of our mortgage and the servicer, Ocwen. They filed foreclosure in XXXX. We filed counterclaims for breach of contract because the loan servicer, XXXX XXXX, did not properly apply payments. 

XXXX XXXX, lawyer at XXXX XXXX, obtained and presented a false affidavit written by XXXX XXXX of Ocwen, the current loan servicer. This false affidavit states that we did not make payments in XXXX & XXXX of XXXX causing us to be behind in payments. 

This is completely false and is proven with the new mortgage modification agreement that we entered into in XXXX XXXX that recast the interest from XXXX and XXXX of XXXX, added it to the principal balance with the first modification payment due on XXXX XXXX, XXXX. 

This contract is a simple, common, unambiguous mortgage modification contract. This type of contract law is taught in the first semester of law school. XXXX XXXX has been an attorney for some time now so it would be a natural conclusion that she is capable of reading a very clear and simple contract. Therefore she is well aware that the affidavit she obtained from XXXX XXXX is false and contradicts the very contract that is being foreclosed on. Other business record evidence that supports the contract includes phone records and payment records. 

Not only did XXXX XXXX commit perjury, XXXX XXXX knew that the affidavit was false and still filed it as evidence in this case. I truly believe that XXXX XXXX committed suborned perjury by knowingly convincing XXXX XXXX to write a false affidavit.
Product: Student loan

my name is XXXX XXXX am I have huge debt that started in 1997. I owe {$20000.00} in student loans payment to Sallie Mae. I was told to consolidate the loan and since that decision my loan balloon up to about {$68000.00}. With monthly payments of XXXX monthly. I have been in and out of work for some time and been trying to make payments with part time job. I like for this loan to forgiven or reduce so I can get my life back on track. The new company Naivent I'm not sure were they come from. I get harassing phone calls and solution WITH DEAD ENDS. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX  - partial account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 3 to 9 of the attached credit report. ) These multiple accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Credit card or prepaid card

This Wayfair credit card does not have an auto payment option as almost all other credit cards. I have called multiple times regarding this concern, I have auto pay scheduled for all my other credit cards to avoid late payment. Not sure why such basic feature is not available.

This credit card account is shut down all of a sudden due to Co- branded relationships ended. Meaning customers can no longer make purchases through Wayfair. But I understood my obligation of continuing making payment. Which I did, but always struggle with the payment system. I started scheduling recurring payment to Wayfair through my banks bill pay feature, since XX/XX/2021. However, Wayfair claimed they have never received any checks from my bank. When I tried to reach out, all they tell me is to dispute by writing. If they can not even receive checks, how do I believe they will receive my letter? 

Now they have reported late payment to all credit bureaus, I have scheduled all the payments through my bank as an auto payment. But for some reason, they were never received. The broken payment system has played a huge role. I, as a customer of their credit card, simply need a auto payment feature that all other credit cards have.

I do not have any late payment in any other cards because they ALL have an auto pay.

I have called multiple times, no one was willing to help with anything, even during the covid 19 pandemic, they provided zero support.
Product: Checking or savings account

RECEIVED LATEST STATEMENT REFLECTIVE OF MONEY IN SAVING ANDD CHECKING ACCOUNTS WHICH I NEVER TOOK THE TASK OF DOING JUST CLOSING XXXX CHECKING DUR TOO UNUSUAL TRANSACTION TRANSFERS AS SPOKEN BY NAVY FEDERAL CREDIT UNION BUT NOT REFLECTIVE ON BANK STATEMENT. EYEWITNESSING IN A EMAIL TRANSMITTAL TRANSMISSION XXXX XXXX  ACTIVITIES FOR THE MONTH OF XX/XX/XXXX WHICH I HAD AN ACCOUNT BUT NEVER ACCEPTED AN AWARDED FUNDING FROM MY FORMER BOSS XXXX XXXX OR OTHERS THAT WERE LISTED IN SIMILIAR FIRST NAME AND SURNAME OF FORMER BOSS XXXX. REJECTED ALL TRANSACTIONS SENT BACK TO SENDER ON XXXX XXXX APPLICATION. BUT OBVIOUSLY SEEING DISCREPENCIES AS TOWARDS TWO DEPOSIT OF {$5.00} WHICH HAS BEEN SPOKEN OF RETURNED BUT NEVER RECEIVED BY ME AND A INSTITUTED REQUESTED CLOSURE OF MY ACCOUNT. I FEEL THIS IS A ATTEMPT TO SIGN ME UP FOR SOME KIND OF MILITARY SERVICES I DID NOT GIVE LICENSE AUTHORIZATION PERMISSION FOR ANY SUCHLIKENED PERMISSIBLE PURPOSES RECEIVING NOTIFICATION OF A LOAN I GAVE NO GRANTANCE AUTHORIZATION PRIVILEDGES OF APPLYING FOR ON XX/XX/XXXX TAKEN INTO CONSIDERATION MY ACCOUNT HAS BEEN VERIFIED CONFIRMED AS AUTHENTICALLY CLOSED AS REQUESTED AFTER RECEIVING A PHONE CALL FROM THE EXECUTIVE OFFICES OF NAVY FEDERAL CREDIT UNION ON XX/XX/XXXX IN XXXX HOME AFTER GOING TO THE XXXX DISTRICT COURT HOUSE IN XXXX FOR A UPCOMING HEARING AND REQUEST SUBPOENA FOR DETECTIVES IN A ON GOING CASE INVOLVING MY BEING XXXXXXXX XXXX  AS A RESULT OF XXXX XXXX XXXX XXXX WHICH I EXPERIENCED AT THE XXXX XXXX XXXX XXXX OF NAVY FEDERAL CREDIT UNION BY BRANCH MANAGER. I HAVE BROUGHT SUCH COMPLAINTS TO EXECUTIVE OFFICES AND HAVE BEEN IGNORED AND INVALIDATED BY SUCH CREDIT AS TOO NOT BEING PRESENT AT BRANCH ON XX/XX/XXXX WHICH IS A FALSIFIED STATEMENT WHEN A RESIDENT MEMBER WHERE I LIVE VALIDATED SUCH CONCERNS DRIVING ME TOO THE BRANCH THAT PARTICULAR MORNING HAVING RECEIPT NOTIFICATION AT THE MILITARY GATE BEFORE BACKGROUND CHECK ADMITTANCE ON GROUNDS. ANOTHER COVERUP CORRUPTION CASE WHICH DETECTIVES ARE AWARE IN OBSTRUCTION OF JUSTICE IN A ON GOING CRIMINAL INVESTIGATION INVOLVING XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( FROM WISCONSIN ) IS COLLECTING ON BEHALF OF XXXX XXXX XXXX XXXX AND DOES NOT HAVE A CONCRETE FIGURE HE OR SHE IS SUPPOSED TO COLLECT FROM CONSUMERS BUT JUST POSTING ARBITRARY PRICES FOR THE EXACT SAME COLLECTION ACCOUNT. 

ON MY XXXX  CREDIT REPORT, XXXX CLAIMS I OWE XXXX XXXX XXXX BUT ON MY EXPERIAN CREDIT REPORT XXXX CLAIMS I OWE XXXX XXXX XXXX 

XXXX JUST SEEMS TO BE PULLING XXXX OUT OF THEIR XXXX AND HAVE NO SOLID FOUNDATION TO BASE THEIR COLLECTION EFFORTS ON. I AM FILING A COMPLAINT WITH THE STATE ATTORNEY GENERAL 'S OFFICE IN WI.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a identity theft, report # XXXX  and did a certified mailing to XXXX, XXXX  and Experian. The following items are still showing on my credit report : XXXX XXXX, for {$15000.00} XXXX ( auto loan ) and XXXX XXXX for $ XXXX balance ( credit card ). I also have hard inquires remaining on my credit report. Originally there was 31 inquires and now 9 still remain. ( which are not my inquires and are unauthorized, either verbally or in writing. These inquires are as follows : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX an

d ( 2 ) XXXX XXXX. The FCRA, clearly states that, if I am a victim of identity theft and file the proper report and submit the documentation to the credit ( which I filed the report on a Federal level and will attach a copy of the certified report ). The credit bureaus have 5 business days to remove these items, from my credit file, per the FCRA and it has been two months and the credit bureaus have yet to remove these items as well as these unauthorized inquires. I have submitted two identity theft report, with various items as the items
became known to me and have yet to have these last items addressed. I have been shopping for a home and these items are causing me financial harm, as I am unable to receive a home loan as long as these items remain on m, y credit report.

In addition, I have a credit account from XXXX XXXX XXXX, which was reported to XXXX and as of this date, They have yet to reflect the credit account on my credit report.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have receiv
ed no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXXXXXX XXXX TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 passed XXXX PM I received a text message saying. " Answer your phone, this is Remitly needing to verify a transaction that is posted on your account. '' I then answered my cellphone. The person on the other line gave me an instruction that a code will be texted to my phone and it is important for me to read it back to him in order to cancel the unauthorized transaction. And so I did. A minute later I received another phone call instructing me that another code will be sent to verify my E-mail address. This was when I realized that this was not a normal transaction with Remitly. I then contacted Remitly and informed their customer service. Next I checked my bank account that is link to my Remitly account. and I saw XXXX unauthorized withdrawals by Remitly within minutes I received that phone call. 
{$980.00}, {$980.00}, {$960.00}, {$960.00} that totaled to {$3900.00}. 
I contacted XXXX XXXX XXXX immediately not to release the money and reported the transactions as fraud. Since then I called and spoke to customer service of Remitly and XXXX XXXX XXXX several times. Remitly closed my account. I was instructed once that XXXX XXXX XXXX has to request the money for them to return the amount. I informed XXXX  XXXX XXXX by phone and letter but twice they closed my claim saying UNPAID. 
And since I did not have {$3900.00} in my account XXXX XXXX XXXX did an overdraft deposit from my credit card to pay the unauthorized transactions and charges me an interest on it. 
Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports from ( XXXX, XXXX and XXXX ) are reporting incorrect information from Barclays. they have a hard inquiry listed on my credit report that was requested onXX/XX/XXXX. however, this was not authorize by me for them to run my credit. <P/>I contacted Barclays Bank onXX/XX/XXXX, I stated that I never applied to a credit card with them or do n't have a credit card with them. never had any contact with them. they told me that they never reported any information to the credit companies because they do n't have any information to report. <P/><P/>BARCLAYS BANK DELAWARE XX/XX/XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual
Product: Credit reporting or other personal consumer reports

I- I pulled my Experian credit report dated XXXX II- I sent a dispute letter to Experian letter dated XXXX and states the following : " THE FOLLOWING ACCOUNTS ARE WRONG AND INACURRATE INCLUDING HIGH CREDIT LIMIT, INCOMPLETE PAYMENT HISTORY AND LATE PAYMENTS. PLEASE DELETE THEM. 

XXXX. XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX  XXXX ACCOUNT # XXXX XXXX. XXXX  XXXX ACCOUNT # XXXX XXXX. XXXX  XXXX ACCOUNT # XXXX XXXX. XXXX  XXXX ACCOUNT # XXXX XXXX. XXXX  XXXX ACCOUNT # XXXX XXXX. XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX. XXXX XXXX  XXXX ACCOUNT # XXXX '' ____________________________________________________________________________________________ III- I personally signed and mailed the dispute letter certified mail on XXXX and Experian XXXX it on XXXX IV- However, I received a letter dated XXXX from Experian stating XXXX the dispute was not sent or authorized by me therefore, not investigating the disputes and failing hen do an investigation on my credit file. The response from Experian has no merit when I signed and mailed out the dispute letter myself. The response I receive from Experian is just a delay tactic letter to confuse consumers and Experian failing to do a proper dispute within the guidelines directed by the FCRA. Per statue the accounts needs to be deleted.
Product: Debt collection

The options I chose are not exactly what happened but I chose as best as possible. I was the victim of XXXX  malpractice. As a result I had to see a number of specialists, an ER visit for several days, etc. My husband arranged payment plans for all my bills. We were making regular, monthly payments with this particular creditor until XXXX when the coronavirus really hit us financially. We did fail to contact them to tell them of our hardship - it was kind of sad and embarrassing to be honest - however with utilities, et al giving hardship forgiveness, we figured these creditors would too. However, they never sent us a warning or final bill ; never tried to contact us to see what was going on - even though it should have been obvious. They just sent it straight to collections. I feel this is horrible - really uncaring and inconsiderate all things considered.
Product: Debt collection

I have disputed this debt numerous times. I sent XXXX XXXX XXXX a validation letter and never received any of the information I asked for in the letter to validate the debt. Also, while the debt is in dispute XXXX XXXX XXXX has broken the law. Disputed information is not to be reported while in dispute on credit report and this collection agency has put negative information on my credit report with out validation nor have they responded to my request of validation. I sent this letter to Credit Collection Services : I am writing this letter in response to the phone call/letter received from you on ( Date ).  In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

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

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

No one should have to be subject to this humiliation especially when it is a unknown account and possible identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Maam : Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to remove this inaccurate information from my account. I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time this debt appeared on my credit report.. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 
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. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.