23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

*THIS IS NOT A DUPLICATE COMPLAINT, THIS IS IN RESPONSE TO COMPLAINT # XXXX Hello, My name is XXXX XXXX, a federally protected consumer. I'm making this complaint against XXXX XXXX XXXX, XXXX and Capitol One for admitting to violating my federally protected rights on numerus occasions and admitting to participating in identity theft and security fraud as Capitol One has FAILED to protect me from my personal identifying information from being shared in exchanged for money. I have not received any documentary evidence, such as a trilateral contract, giving XXXX XXXX XXXX, XXXX any right to collect on this alleged debt. I've never given XXXX XXXX XXXX, XXXX my identifying information or Capital One the permission to share my identifying information. Being that XXXX XXXX XXXX, XXXX has my personal information that is in fact Identity theft. XXXX XXXX XXXX stated that they found no records supporting your allegations. As I mentioned before I am aware that in accordance with Article 9, the assignment of a defaulted note is IN FACT illegal. Both the assignee ( Capital One ) and the assigned ( XXXX XXXX XXXX, XXXX ) are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with XXXX XXXX XXXX prior to them attempting to extort me. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX, XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX, XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX, XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Debt collection

My name is XXXX XXXX. I have a problem with a collection agency called Amsher Collection Services that is reporting I owe them a debt for XXXX dollars however, I have tried multiple times to have them send me the actual contract agreement that I signed that I owe a debt to them in that amount and they have not been able to provide that, I also mention to remove it from all XXXX credit bureaus since they cant provide that contract and no success as a active member of the military I feel this is wrong and I need it fixed please is hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern ; Ive been working to have accurate information displayed on my credit report, I have been doing so with the following collections agency XXXX, XXXX  and Experian. In this letter, I will submit proof of numerous violations on many accounts regarding all three consumer reporting agencies, they have mischaracterized accounts, not provided legal verifications with signatures and in some cases have not met the legal burden of proof for authentic investigations, They unwilling to produce evidence of legal verification as the accounts reflect the last time an attempted verification was attempted. In some cases, they have just matched information on accounts without going through the legal verification process. They are unwilling to do proper investigations and continue to display inaccurate information despite my numerous requests to have the legal requirements met which warrants these accounts removed. Below are the sections of the FCRA they refuse to comply with adding numerous subsequent legal violations in addition to the ones they have already violated which instigated the original disputes. It is my right to have accurate information displayed and as of the day of this letter, all three consumer reporting agencies stand in violation. 
1.Void of legal verification Pursuant to FCRA sections, 609 ( a ) ( 1 ) ( A ) ,611 ( a ) ( 1 ) ( A ) 2.Providing a consumer contract with a signature which is a violation of 611 ( a ) ( 1 ) ( A ) 3.Negligent noncompliance which is a violation of 617 Please find the attached letters Ive written and submitted to all three consumer reporting  agencies. I have also provided a detailed list of the violations listed on the respected accounts by the agency. And I will also provide not only the copies of the letters but registered mail receipts to substantiate my inquest. I have for the third time disputed these errors to no avail, I am now requesting intervention by the Consumer Financial Protection Bureau. Please find the attached proof supporting my disputes and inquiry.
Product: Credit reporting or other personal consumer reports

This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. 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 mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the 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 within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXXXXXX XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action Have a blessed day!
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' SELF FINANCIAL/LEAD BA 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$520.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type XXXX XXXX Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXXXXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance $ XXXX Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 24 Months Company sold - Original creditor - Comments Account paid from collateral Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXXXXXX XXXX XXXX , MO XXXXXXXX XXXX number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I REVIEWED MY CONSUMER CREDIT REPORT AND NOTICE THAT I HAD XXXX ( XXXX ) LATE PAYMENTS ON AN ACCOUNT THAT I NEVER WAS LATE LIKE MY OTHERS ACCOUNTS AND THE CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEYRE ABILITY WHIT MAXIMUM ACCURACY, I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT ( NAME : XXXX XXXX  ) ( XXXX ) PLEASE INVESTIGATE AND PROVIDE PROOF WHIT STATEMENTS SHOWING THAT THOSE PAYMENTS WERE LATE. IF THE PROOF CAN'T BE PROVIDED, I DEMAND THESE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOUD BE AS I WAS NEVER LATE. 

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

On XX/XX/XXXX my Equifax credit report was showing 1 collection account in debt which I disputed and 1 paid negative account. On XX/XX/XXXX my Equifax credit report shows 11 Collection accounts and 2 Negative accounts of Thousands of Dollars in debt. I called several of those collections agencies giving them my social security and my personal information and they dont have me in their records. Equifax is reporting inaccurate all these accounts cause do n't belong tome and they reported all in one day. I need an investigation to be follow towards my Equifax credit report. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost existing credit limits XX/XX/XXXX. Then applied for credit in XX/XX/XXXX and was denied both times Experian sent a XXXX  report to the creditors. I ordered a copy of the XXXX   report which had not existed on me until XX/XX/XXXX. The report says I have no credit and also list my checking account and Drivers license information as well as inquiries I never approved, I called them to get this information fixed and find out why it says no credit information and was told it was not their place to update the information how and they were an legitimate reporting agency. If they are then it is their responsibility to keep the information up to date. something needs to be done this company makes it impossible for people to improve their credit and if they gave it to an employer it would cost people jobs. It is bad enough for us to have to deal with the 3 Credit agencies when they do not update information with out them making up more of them. i can send a copy of both my Experian and this so called XXXX  report to show you the huge difference in the two of them.
Product: Debt collection

On XXXX the XXXX XXXX someone charged and order XXXX XXXX  on my account for {$43.00}, I have had 3 fraud and 3 dispute with them nothing has been resolved. It is now XXXX and they are saying the bill is still mine, I have written them a letter explaining that I didn't order nor received the item I have been saying this for the last two years they are now charging me late charges the amount today is XXXX ' I need help
Product: Student loan

XXXX loan repayment recently resumed. I made my first payment to Nelnet on XX/XX/2023. I paid the minimum amount on most loans and added a little extra to my loan with the highest interest rate. 

As of today, two weeks since my payment, the money has not been withdrawn from my bank. I called to see if they had any record of it or issues and my bank said they do not see the payment.

However, the day I paid Nelnet sent me a confirmation email with details about the payment. Their website now says I have a past due balance, shows no payments have been made in my payment history. After spending hours a day on hold ( while at work ) I cant get in touch with anyone from Nelnet to explain the situation.

I am concerned this missed payment is affecting my credit score and that more intense is accruing.
Product: Money transfer, virtual currency, or money service

Cashapp has failed to take the necessary steps to protect my account I have complained and tried to resolve this issue with them since 2018 and they failed to give me any answers to my complaint Instead cashapp has closed my account and I cant access my account Till this day they cant tell me how my account got hacked or what has been done Instead I am not allowed to have cashapp
Product: Debt collection

Midland Credit ( from looking up the number online, ) has called us 7+ times in the last couple of days, and wh en I finally answered the phone, they asked for some guy named "  XXXX   XXXX   ,  '' whom we have never even heard of, and have had this phone number for  ~17 year s. I had to argue with them that they had the wrong number, and they kept trying to get me to tell them my name!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and these accounts still on.. I already sent few rounds of dispute about them. I believe that someone have my personal information. Its not mine
Product: Credit reporting or other personal consumer reports

Lingering accounts with contradictory, nonsensical, and inaccurate information is displayed on my credit reports. Little has changed with XXXX and Transunion despite submitting several disputes and also hiring credit repair experts to submit dispute letters on my behalf. Furthermore, the erroneous and lazy reporting an are affecting my status as an XXXX XXXX service member. My security clearance and access is in jeopardy despite working diligently to correct my financial status. I need these dead accounts to be removed as they have become obsolete and irrelevant. Especially those accounts that are 7 years old or more. I XXXX XXXX XXXX and my unit will need me available for whatever is on the horizon. 
Thank you for your understanding and support.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/year> under the account number XXXX with a balance of {$72000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX and TransUnion have been notified that I am a reoccurring victim of Identity theft, that my PII is on the dark web leaked by multiple data breaches. Police report and FTC report have been provided to XXXX and TransUnion previously. XXXX and TransUnion have failed to conduct proper reinvestigations prior to assembling and providing inaccurate information on my reports regularly. XXXX and TransUnion are unlawfully reporting fraudulent closed accounts under " XXXX XXXX '' and " XXXX XXXX '' with incomplete information and are failing at providing the substantial proof of their reinvestigations. XXXX and TransUnion have caused me great harm in relying upon the information of Identity Thieves and other bad actors and are failing to protect me as the consumer while capitalizing off the use of my Personal Identifiable Information. I revoke any prior consent for XXXX and TransUnion to utilize my PII data until the credit report and score is full, complete, and accurate and all fraudulent items have been deleted. Both CRA 's have been expressly notified and both CRA 's continue to disregard their lawful obligations. The scores do not reflect my consumer 's creditworthiness.
Product: Student loan

On XX/XX/XXXX, I submitted my recertification with the Public Service Loan Forgiveness ( PSLF ) program through FedLoan Servicing. The certification shows that I am employed by a 501 ( c ) ( 3 ) non-profit and had been employed there, full-time, since XX/XX/XXXX. FedLoan Servicing maintains a PSLF tracker on their website. On XX/XX/XXXX, FedLoan Servicing processed my application. The PSLF tracker was updated to note that a portion of my loan payments from XX/XX/XXXX to present were " qualifying. '' However, the payments from XX/XX/XXXX through XX/XX/XXXX were are listed as " Employment Not Certified, '' despite my certification. 

On XX/XX/XXXX, I contacted FedLoan Servicing to ask for a correction and that all payments from XX/XX/XXXX to present be marked as " qualifying. '' FedLoan Servicing responded on XX/XX/XXXX, " Records indicate the Employment Certification From to track your employment history has been approved until XX/XX/XXXX. The forgiveness portion has been denied since you have not completed the 120 qualifying payments. We advise to update this form annually. '' This was not responsive to my request. 

On XX/XX/XXXX, I submitted another request for a correction. FedLoan Servicing responded on XX/XX/XXXX, " A request has been submitted to review your Public Service Loan Forgiveness ( PSLF ) & Temporary Expanded PSLF ( TEPSLF ) Certification & Application ( PSLF Form ) to include all months shown as eligible per the start date on that form. We will send correspondence if we require additional information and apologize for any confusion or inconvenience. '' I received that review on XX/XX/XXXX. The payments were still not listed as " qualifying. '' I have also called FedLoan Servicing to address this issue. The customer service agent was not responsive to my request. 

I am deeply concerned that this miscount will delay my eventual forgiveness, currently scheduled for XX/XX/XXXX.
Product: Debt collection

Dear CFPB, I am writing to formally dispute the validity of a debt being reported under my name by Capital One, amounting to approximately {$2000.00}. I have reason to believe that this account has been compromised due to identity theft and fraudulent activity, which I reported to Capital One but have not received adequate resolution or relief. 

To the best of my knowledge, I did not authorize the transactions leading to this debt. These charges appear to have been incurred without my consent, and I have already filed an identity theft report with the appropriate authorities. Despite providing evidence of fraudulent activity, Capital One has refused to forgive the debt or adequately address the compromised nature of the account. 

This is a sticky situation because it is hard to prove my identity theft on my own behalf because I did not make a police report and I did not realize I was a victim of identity theft up until months later after it took place. The capital one account has never been my main bank account/credit/debit card used. It was always my backup, but I mainly used another bank for all of my expenses and direct deposits whenever I am employed. The only course of action I took regarding the identity theft was notifying capital one when I did realize months after the account was already in debt and closed, locking my XXXX XXXX XXXX and XXXX a new social security XXXX XXXX the old XXXX as stolen ( there is no paper proof/documentation of this in my possession ). 

As I am currently unemployed, I am unable to settle this debt and am requesting your assistance in investigating this matter further to ensure my rights as a consumer are protected. I would appreciate any steps the CFPB can take to mediate or investigate this issue, as the debt has placed a significant financial burden on me through no fault of my own. 

Thank you for your attention to this matter. Please contact me should you require further details. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, 2022 I submitted a FTC REPORT due to my credit file being impacted by the XXXX XXXX XXXX. Disputes along with the FTC REPORT were mailed off to XXXX, XXXX, EXPERIAN and as of Today XX/XX/2022. I have these accounts still remaining on my report. I need all accounts removed because it has affected my from receiving positive credit. According to 15 U.S. Code 1681e XXXX XXXX XXXX whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. All accounts were unauthorized and need to be removed XXXX 'S XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022. I recived an alert from XXXX that Synchrony Bank had checked my XXXX credit report. 

The following is the credit inquiry listed on my XXXX report : SYNCHRONY ACCOUNT REVIEW DATE : XX/XX/2022 Institution Information SYNCHRONY ACCOUNT REVIEW XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX I attempted to reach out to Synchrony Bank several times on XX/XX/2022 and spoke with multiple representatives. I was transferred back and forth between the fraud team and the customer care team. I was able to speak to " XXXX '' with the fraud team who advised me there was no applications in process with Synchrony Bank. I also verified with XXXX that no reviews were done on any accounts. " XXXX '' advised me to reach out to the credit agency who alerted the inquiry. I have notified XXXX that the inquiry is fraudulent. The number listed on the inquiry ( XXXX ) is a number I am unable to reach, the phone line just keeps ringing. 

This fraudulent inquiry continues to remain on my XXXX report. This inquiry is UNAUTHORIZED. I hereby demand Synchrony Bank to notify XXXX of the removal of the inquiry. 

This inquiry violates the FCRA under section 605B ; results from identity theft. 

Please notify XXXX to remove the unauthorized inquiry.