23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXXXXXX Balance : {$64.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear Collector, NELNET LOAN SERVICES INC XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Product: Credit card

Citibank issued XXXX credits cards for Home Depot and Best Buy with purchases without my consent or knowledge. Cards received in the mail. XXXX XXXX sent letter requesting additional information. Why Citibank did not do the same
Product: Debt collection

I learned in XX/XX/XXXX that XXXX XXXX XXXX XXXX XXXX, XXXX placed an erroneous bad debt transaction on my credit report. This has prohibited me from securing the housing needed to accommodate my XXXX child. 

We lived in XXXX in XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX forwarded my son 's incontinent supplies to our temporary XXXX address during the summer of XX/XX/XXXX while we vacationed there. XXXX   Medicaid limited them to sending supplies to an alternate address for a maximum three months. We decided to stay in XXXX and notified the company and Medicaid at the end of XX/XX/XXXX. Shipments should had ceased at that time. 

The copy of the invoice I received in XX/XX/XXXX shows that the company sent a shipment to our old address in XXXX in XX/XX/XXXX. They allege funds are owed although I no longer lived there and they were notified to discontinue shipments before this shipment was sent. Previous shipments were paid by Medicaid, not by me. Medicaid said they were not billed for shipments after XX/XX/XXXX. 

XXXX XXXX XXXX states that it is not their responsibility to prove that I received the merchandise. I must prove that I did not. That's impossible! We are currently displaced because of this issue and I plan to seek additional legal action if the debt is not absolved and the transaction removed from my credit report immediately.
Product: Checking or savings account

Requested Navy Federal Credit Union to put a stop payment on a merchant that got access to my personal account details to collect on a payment for my XXXX. 

The first request was submitted on XX/XX/XXXX and I was told that I needed a check range although it was an ACH transaction. I was told to call. 

On XX/XX/XXXX I contacted NFCU again and spoke with a rep named XXXX she told me that they could do the stop payment but it was a {$20.00} fee. My account was negative due to credits being removed for stimulus payments. They have begun taking back the credits to give you access to the entire amount per the IRS. I was told that they couldn't put the stop payment on until my account was positive. The problem that I have is that they caused the negativity. I get regular direct deposits and they can see them before they release them. I could have {$180.00} taken because they won't place the stop payment and allow my pending deposit to cover it. But instead this company could get that money and then I am out of my money until they get it back. This a private business matter regarding my XXXX and this isn't a business account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit reporting act these accounts have violated my rights : ( 15usc.1681 section 604a section2 ) & 15USC 1681 602a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX *15USC 1681 section 602a states i have the right to privacy & 15 USC 1681 section 604a section 2 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

Syncb Inquiry from XX/XX/XXXX XXXX XXXX XXXX Syncb Inquiry from XX/XX/XXXX XXXX XXXX XXXXXXXX  I did not do this, please take off my account.
Product: Credit reporting or other personal consumer reports

This is a request for validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ). I'm asking for proof of my obligation to pay and evidence that I am the party you're seeking payment from. This isn't a request for verifying my address, but a formal demand for validation. 
If your company or the company you represent continues to report invalidated information to credit bureaus, it may constitute fraud. I'm prepared to take legal action for any violation of the FDCPA. 
If you're able to provide the required documentation within 30 days, I'll review it. During this period, all collection activities must stop. If you fail to respond, all references to this account must be removed from my credit file. 
Please provide the following : Agreement authorizing collection on this debt. 
Agreement with my signature agreeing to pay the creditor. 
Any insurance claims or judgments related to this account. 
Creditor 's name and address.

Debtor 's name and address.

Alleged account number, debt amount, and payable date.

Verification of debt assignment or sale.

Detailed accounting of the debt.

Commission information for successful collections.

If any part of this request is incomplete, it will not be considered. Please allow 30 days for processing once I receive this information.
Product: Credit reporting or other personal consumer reports

Citi bank did a hard inquiry on my credit, I did not authorize it on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Accounts below 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. 

Collection Accounts : XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$620.00} XXXX XXXX XXXX  Date reported : XX/XX/XXXX Amount : {$540.00} XXXX XXXX XXXX XXXX reported : XX/XX/XXXX Amount : {$250.00} XXXX XXXX  Date reported : XX/XX/XXXX Amount : {$2500.00} XXXX  XXXX XXXX XXXX XXXX reported : XX/XX/XXXX Amount : {$550.00} XXXX XXXX : XXXX XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$330.00} Closed XXXX XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX XXXX XXXX  Date reported : XX/XX/XXXX Amount : {$0.00} Closed Loans : XXXX XXXX XXXX  Date reported : XX/XX/XXXX Amount : {$4600.00} Closed Public records : Bankruptcy XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Dismissed and Closed State XXXX XXXX XXXX XXXXXXXX  Date XXXX XXXX XXXX XXXX XXXX Amount : {$0.00} Closed and Paid
Product: Credit card or prepaid card

I realized that my virtual gift card had been used to buy {$69.00} worth of items at a grocery store in a completely different state. I contacted InComm about this on XX/XX/2022 and they started a dispute and stated that it would take 45-90 days to receive a response and also stated that there was no guarantee that I'd get my funds back because it's their policy that their gift cards are treated like cash. Because of the drawn out dispute time and risk that I might not get refunded at all, I contacted the XXXX InComm responded and stated that I will be getting an expedited replacement card via XXXX 

I waited the 14 days that they stated it might take and it still hadn't arrived. I contacted InComm via email by replying to my dispute ticket again. I did this on XX/XX/2022, XX/XX/2022, and XX/XX/2022. They did not respond until XXXX and actually had the audacity to ask me for a utility bill, financial record, insurance statement, medical record, pay stub, lease agreement, vehicle registration card, or voter 's registration card. This was simply to verify the address that they'd need to mail the replacement. They asked for such sensitive information when I literally gave them no information at all when I purchased the card. These gift cards can be purchased at a self-checkout with cash. So, why would they need any of the requested information just to confirm where they need to send the replacement? They didn't even ask for this when they were going to mail the initial replacement. They still have not explained why they needed " address verification ''. I suspect that it's to deter people from going through with the refund process. There's a slight chance that they actually did mail the replacement card and it just never arrived because my city name, which has to double-Ls, only had one L on the dispute form that I filled out. However, on that same form, I checked the " Credit to Original Card '' box to request a refund to my original virtual card. I didn't check the " Replacement Card ''. Also, before the rep mailed the card via XXXX she should have confirmed the address. If they actually mailed the card and it never arrived, this can be easily tracked by XXXX, and I highly doubt that it would have gone undelivered just because of the one missing L in the city name. I suspect that they're just trying draw this out and hope that I will give up. But, I will not and will also not be giving them any of the information that they requested. I responded to their email and explained the same thing. I told them where to mail the gift card and asked them to respond on whether or not they would mail the replacement without the requested info. That was on XX/XX/2022. They didn't respond until XX/XX/2022 and they confirmed that they need this information before refunding my money. 

I was initially going to just follow up with the XXXX about my original complaint, but the XXXX is updating InComm 's complaints page, which has tons of similar complaints, so nothing can be submitted.
Product: Debt collection

In an effort to rectify this credit issue I have notified Portfolio Recovery LLC and ask them to provide valid proof of the collections accounts on my credit report. The proof they supplied does not meet the legal requirement of the FCRA. In addition to that, they provided letters, 4 separate letters attempting to not only validate the debt that they have no legal standing to collect but they provided these letters with different 4 different reference numbers to collect the debt twice on the two accounts in question. I have provided the letters, four of them showing the duplicity in which they operate and the lack of integrity they possess. They are demanding that I pay this debt twice. I have provided a copy of the 4 letters I received. Please note the 4 different reference numbers they are circled and located at the top right-hand corner of the document Please rectify it immediately. 

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

I have contacted Trans Union credit reporting twice to remove the balance of {$600.00} being reported by XXXX XXXX XXXX on my credit report. I have ask for an investigation and all documentation from Trans union and XXXX XXXX XXXX. I was sent a notice from trans union that the investigation was complete and the debt is mine. I have not received any detailed documents from trans union about this debt. Trans union is fraudulently reporting this balance of {$600.00} on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to refile my complaint to EQUIFAX regarding the unresolved fraudulent accounts still appearing on my credit report. Despite multiple dispute letters and the attached FTC Identity Theft Report ( Report XXXX : XXXX ), these inaccuracies remain uncorrected. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation and correct inaccurate or incomplete information within 30 days of receiving a dispute. To date, this obligation has not been fulfilled, and your inaction continues to harm my reputation and financial standing. I request the immediate removal of the fraudulent accounts listed in my prior disputes, as they violate my rights under the FCRA.

Additionally, I ask that you provide a detailed explanation if you determine the items are accurate. Please note that failure to resolve this matter will compel me to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies. Thank you for your urgent attention to this issue.
Product: Debt collection

They just called me XXXX. I was asleep and on call for my job and was woken up by the phone ringing for a debt collector when I wake up at XXXX for work. I asked repeatedly not to call and they kept asking if I was the person they wanted to talk to. I have also been paying on the account they are asking about for awhile now through another website. They have also sent multiple people to my parents home to serve me and it's becoming harassment at this point
Product: Credit card

After being a customer for over 29-35 years ( first credit card ) I had my ID stolen and stopped doing business online for a while with all companies. This caused me to have one missed by a few hours payment in XXXX XXXX. Then in XXXX XXXX, I completed paperwork to setup auto pay. In XXXX, it was not yet set up for some reason and I missed a payment because I thought the autopay had been setup. I was told that this {$25.00} fee would be credited on my next bill and I should wait until I received the bill. I called customer service and was now told that I could not get money back due to having one late fee credited in XXXX. I aske d for a manager to call me and they called but I did not get the phone fast enough. Then I got a letter and when I called back today I was told by a " manager '' XXXX that she was NOT authorized to override the system 's decision to not give credit or a previously promised late fee by customer service. I have been a loyal and pay in full customer for over 29 years or more. I find it hard to believe that this company has no way of empowering their managers to do anything now that XXXX is over XXXX and was promised a late fee credit previously and since it was due to their lack of setting up the auto pay when it was sent in the mail to them in XXXX XXXX. I do not like getting late fees, nor have I for many years. Their system creates this without override capabilities and the manager has no ability to make a very long term and good customer happy anymore. I think this is a new phenomenon. no contact information to contact the company or a person empowered to do this can be provided.
Product: Vehicle loan or lease

I filed XXXX XXXX bankruptcy XX/XX/XXXX in XXXX XXXX My XXXX XXXX XXXX was included. Original loan was $ XXXX I paid the loan every month. Post COVID I suffered financially and filed XXXX XXXXXXXX, the balance left when I filed was only for {$6000.00}. The auto loan company XXXX XXXX XXXX agreed to the court order. The trustee paid the loan in full on XX/XX/XXXX. The court Discharged my bankruptcy XX/XX/XXXX. 
On XXXX XXXX, XXXX XXXX EMVP sold my loan to a collection agency said the balance I still owed was {$110.00}. My lawyer told me not to pay anything, the court paid what was agreed upon. The lawyer sent multiple letters, phone calls, emails. Both companies refuse to rectify the situation. No one will release the lien and provide the Title to me. I am not able to trade the vehicle without the title, can not sell it, can not move out of state and register the vehicle. I feel they violated my protection provided to me by the Federal Bankruptcy laws. I don't know what rights I have, how to fight a corporation that keeps ignoring our request.
Product: Credit reporting

Credit Reporting Agency fails to removed inaccurate account from my credit report. 

There is an account with XXXX XXXX XXXX which began reporting on XXXX 2015, and have been reporting ever since to day. The problem is I was in a no assest based Chapter XXXX bankruptcy that was discharged on XXXX. This debt is from XXXX, and the Credit Reporting agency refuses to delete. 

This debt ca n't be assigned to XXXX XXXX system on XXXX if all debts were discharged on XXXX. Thus XXXX XXXX XXXX has no collection authority on a discharged debt nor can they be assigned an already discharged debt. 

I have disputed with both the credit reporting agency, and enterprise recovery system and they are refusing to delete.
Product: Credit reporting

XXXX XXXX XXXX XXXX screwed me up after I closed my account with them with no balance because they said I owed them {$40.00} after I had already closed my account and they never notified me of this after we had mutually parted ways. They kept reporting this on my credit and when I found out about it I called and gave them the {$40.00}. To this day this is till negatively affecting my credit and I feel like they violated the credit consumer laws by not notifying myself in writing about the unpaid balance after I had successfully closed my account with them in good standing and with no balance due.
Product: Mortgage

This complaint against Truist Bank and is related to CFPB Claim # XXXX against Truist bank, which is currently closed. The complaint resulted in Truist Bank notifying me on XX/XX/2023, that it had confirmed the identity of my cousin, XXXX XXXX XXXX 's " identity and ownership interest '' in the property at XXXX XXXX XXXX ( XXXX. XXXX ). Because XXXX has severe brain damage, I am responsible for all matters pertaining to her finances and care, so I completed the form entitling XXXX and me to receive notices and communications about the loan and to request information and submit notices of error. I have continued to pay the mortgage amount required per the contract. However, the loan payment was incorrectly increased from {$360.00} to {$740.00} because Truist is now adding in the amount to be paid for taxes and insurance. Until now, the taxes and insurance has always been paid, per the contract, by my cousin and me. I recently paid the insurance payment on XX/XX/2023 ( Att. XXXX ). When I inquired about this error, I was told I can not be provided any information about this loan until I have XXXX sign and submit a power of attorney. This is in direct conflict of the letter dated XX/XX/2023 and is illogical because Truist has all of the legal documents appointing me guardian and conservator of XXXX, who is now the sole owner of the property. I believe this is another attempt by Truist Bank to wrongfully force this property into foreclosure.