23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent Merchants and Medical ( also known as XXXX XXXX XXXX ) three letters regarding a balance they say I owed. The account number in question is XXXX Reference number XXXX. I do not recall this debt with Merchants and Medical ( also known as XXXX XXXX XXXX ). 

I am requesting a re-investigation. In addition to validation, I am disputing the balance listed as an amount owed, AND THE DATE OPENED FOR THIS ACCOUNT. The request for validation stated to provide a copy of a SIGNED contract bearing signature indicating that I have ever had any OBLIGATION to pay MERCHANTS & MEDICAL ( XXXX XXXX XXXX ). As stated before, a BILLING STATEMENT DOES NOT VALIDATE this debt. Based upon your abusive practices of PROHIBITED CONDUCT, you are seeking unjustified amounts, which would include demanding any amounts not permitted under an applicable contract. The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874,  codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices. 

The Consumer Credit Protection Act, as Title VIII of that Act statute states purposes are to : eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. 
Per the FCRA 15 U.S. Code 1692g - Validation of debts- this debt is deemed not validated and is UNJUSTLY REPORTING to the credit reporting agencies. Per the Fair Credit Report Act ( Inaccuracies in consumers report ), you are required to delete this debt from all three credit reporting agencies immediately. 
Once again, failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : DISCRIMINATION 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 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
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. 

Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My Name is XXXX XXXX, i use check cashing weekly at XXXX located at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX. Today i was declined a check cashing for no specific reason. This company Certegy has no customer service lines and no means to dispute. This has caused me to go other check cashing areas and wasting time away from work simply to cash a check. The number they provide to supposedly find out why gives you a list of reasons but not exactly why my check was declined. This is super frustrating being that I'm not rich and live paycheck to pay check. Companies like this need to be removed from check cashing world cause they don't provide any assistance but have every bit of power to not allow companies that have to deal with the customer face to face to cash check based off of " hmm today I'll decline you ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USE MY PERSONAL INFORMATION TO APPLY FOR THESE FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE THAT DOES NOT BELONG TO ME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

Using the XXXX XXXX app, when payment went to process it pulled from an empty account. As soon as this was noticed I went in to the gas station and paid for my gas. Now this company says I owe them the money instead, along with a fee. I have been told that until I pay them they will continue with the collections process. I dont owe this, its already paid. They have been made aware of such multiple times but continue to call. Even took the funds without permission from my bank at XXXX point which my bank returned to me because I never gave any form of consent for this company to withdrawal from my account.
Product: Debt collection

XXXXXXXX XXXX claims I owe XXXX $ for a balance forward charge plus an unreturned equipment fee. All services were disconnected and all fees were paid over the phone in XXXXXXXX XXXX XXXX. Services were discontinued for my account on XX/XX/XXXX. Equipment was returned to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX Washington on XX/XX/XXXX. I disputed claim with XXXX via email and was told Id hear back. I did not ever hear back. Instead I began hearing a lot from Sequium, a collections agency employed by XXXX. I disputed the claim with them on XX/XX/XXXX and have been told its been placed in dispute status via email and that I would hear back soon. I have not heard anything back from sequium nor XXXX and my XXXXXXXX XXXX account still shows an outstanding balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Bank account or service

I have a PayPal account, which I will never use and I want it removed/deleted/deactivated, etc. I 've been trying since XXXX 2014 to delete my PayPal account myself without success. I have contacted PayPal a number of times to ask for PayPal 's assistance in deleting/removing/cancelling my account with no success. That leaves my financial information out there for whomever might be looking around to find. I also had a PayPal XXXX which I was able to cancel that account but the PayPal XXXX account is still linked to my PayPal account and of course my address appears on the statements which reside there with PayPal. I need and want the PayPal account closed/deleted/cancelled or whatever it takes so that no information is available anywhere to anyone. I 've sent email messages to XXXX XXXX, President and CEO XXXX, PayPal XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXXXXXXXXXX and it appears just get passed along to a support type person and they can not or will not delete my account.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Dear Credit Buerau there is information on my consumer report that is result of identity theft. i did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made on the basis of a material misrepresentation of fact by me relevant to request to block the identified transaction. the identified transaction are not information related to any transaction by me as the consumer. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX your are required to do what i am asking and block these transaction from being reported to my consumer reported within 15 days from the date of the receipt of this notice. i look forward to your response. 

thank you, XXXX XXXX
Product: Debt collection

On XX/XX/year>, I was contacted by a debt collector attempting to collect on a debt that appears to have been sold and for which they have provided no proof of ownership or validation. Despite my requests for documentation substantiating their claim, including proof of the original creditor and a chain of title demonstrating their authority to collect, they have failed to produce any evidence. This raises concerns about the legitimacy of their claim and their compliance with the Fair Debt Collection Practices Act ( FDCPA ).
Product: Bank account or service

XXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, DE XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you BARCLAYSBK or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : BARCLAYSBK or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting

Yesterday I received a letter from a mortgage company informing me that my credit history had too many " delinquencies '' and othe negative items that lowered my credit. All XXXX credit agencies supposedly reported these issues. Last night I filed a complaint about XXXX. Tonight my it 's Experian.I had received my free report from them a few months ago and except for XXXX incorrect address, it was good and accurate. I asked to see my report again to find out what is going on with my credit, and the website charged {$1.00} to get a report. Now I received an e-mail from them " congratulating '' me on joining their " credit protection '' service and that after 7 days, if I did n't opt out, I would owe them {$29.00} a month! 
Here is a copy of my response : To : Customer Care & lt ; XXXXXXXXXXXX & gt ; Dear Experian, I did not order this credit tracking product and I want to cancel it NOW. Your program is misleading. It did not clearly state that by sending you {$1.00}, I would be subject to a $ XXXX monthly fee in 7 days. Your " opt out '' in seven days is hardly enough time for the poor unfortunate who does n't catch that clause in time. I am reporting you to the US Consumer Protection Bureau. 

- XXXX XXXXPS : I do not appreciate your falsifying my credit report with damaging information that bears no resemblance to the same credit history that you sent me just a few months ago.
Product: Credit card or prepaid card

For the past 3 months, I've had nothing but problems with making a payment. Most recently, I was informed that I entered a wrong account number ( not true ). When I tried to pay by phone, I was informed that because my bank had returned my last payment, I would have to use another bank account! I do not have another bank account. I am willing to work with the company to get this problem fixed once and for all, but it has been TOTALLY uncooperative. Rarely can I reach customer service by phone. I used to be able to pay online in just a few seconds. But I have recently spent hours trying to fix the problem. I don't know what else to do but to file this complaint.
Product: Mortgage

Monthly payments for {$3700.00} have been paid each month. For the last 12 months,  PHH has h ad consistent issues with listing an escrow on the account and it does NOT have escrow. Taxes and insurance are excluded in the monthly mortgage payment, paid separately by homeowner. As of  XXXX   XXXX ,  2017 ,  PHH h as issued a letter threatening foreclosure and has returned my las t two payments. PHH is now claiming four months are past due.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the validity of the debt referenced above under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). As the consumer, I hereby refuse to pay this alleged debt and demand that you cease all further communication with me regarding this matter, including any attempts to report this debt to any credit reporting agency.

Pursuant to 15 U.S.C. 1692c ( c ), you are legally required to cease all collection activities and any further contact with me regarding this alleged debt, except for the purposes of confirming the termination of collection efforts or notifying me of any specific legal actions you intend to take. 

Please also be advised that I am keeping detailed records of all correspondence regarding this matter. Any failure to comply with the requirements outlined under the FDCPA may result in legal action against your company for violating my rights. 

Thank you for your prompt attention to this matter. 

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

I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX. They do not provide me with the orginial application like I asked. I Also asked for a sign document with the collecting parties and myself. If parties can produce a signed document proving i contracted them collect this debt then i will be in contract to pay debt by dollar. Upon further investigation i would like to have all documents reviewed to assure that there is no fradulent reports made on my behalf in the near future. A lwayer friend of mines told me i have the right to request who authorized this collector to submit this claim to my credit report without my permission. I will be charging a {$1000.00} fine for each infraction on my credit report if this was unauthorized according to the law stated by the 15 U.S.C. Sec. 1681i ( a ) .I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I write to you with deep concern and dissatisfaction regarding the unauthorized inclusion of information in my consumer report, a clear violation of 15 U.S. Code 1681b. This complaint serves as an official dispute, urging your agency to conduct an immediate and thorough investigation into this serious breach of my rights. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX I am writing to dispute the accuracy of the information contained in my consumer credit report. Upon recent review, I have discovered entries that violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which mandates the maximum possible accuracy of information in a consumer 's file. Furthermore, the entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA. As such, I request an immediate, comprehensive, and impartial investigation into these entries. I expect a detailed response outlining the findings of this investigation, including the original written instructions from me ( The consumer ) with my wet signature. Moreover, I am not aware of any legitimate purpose for reporting these late payments, and I affirm that I did not authorize the reporting of such information to your agency by XXXX. Therefore, in accordance with Section 604 ( a ) ( 3 ) of the FCRA, I demand a thorough investigation into these disputed late payments, along with written confirmation of the investigation 's completion and details of any actions taken to rectify this matter. Additionally, I request documentation, including the periodic statement and tracking number, to prove that each periodic statement was delivered to me at least 21 days before the payment due date, as mandated by 15 U.S. Code 1666b. Failure to comply with the legal requirements outlined in this letter will necessitate pursuing all available legal remedies to address this violation of my rights under the FCRA. I trust that your agency will approach this matter with the urgency and seriousness it deserves. I anticipate your immediate attention to this dispute and the initiation of necessary actions to rectify the unauthorized reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did numerous disputes with XXXX about items/inquiries on my credit report that did not belong to me. XXXX falsely claim the accounts belong to me without any physical proof being mail to my address on file. I demand that XXXX remove these items from my credit report as the items/inquiries are damaging my credit report. 

Collections XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did numerous disputes with XXXX about items/inquiries on my credit report that did not belong to me. XXXX falsely claim the accounts belong to me without any physical proof being mail to my address on file. I demand that XXXX remove these items from my credit report as the items/inquiries are damaging my credit report. 

Collections XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX I did numerous disputes with Experian about items/inquiries on my credit report that did not belong to me. Experian falsely claim the accounts belong to me without any physical proof being mail to my address on file. I demand that Experian remove these items from my credit report as the items/inquiries are damaging my credit report. 

Collections XXXX. XXXX XXXX. XXXX 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 or other personal consumer reports

I have 2 addresses on my account that I have never lived. Both Washington
Product: Debt collection

A check was written to my landscape company, XXXX XXXX, via billpay for {$300.00}. It was stolen and cashed at XXXX XXXX XXXX. The payee was not who cashed the check. This was XX/XX/XXXX My bank, XXXX bank was contacted, it was investigated, and I received a letter from their without entry department resolving the claim on XX/XX/XXXX. 

I then received a collection letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX and received via mail XX/XX/XXXX. The collection said I bounced a check to XXXX XXXX. I sent, in writing, the facts and documentation that I did not bounce a check to XXXX XXXX  and provided my bank letter and the copy of the canceled check endorsed by someone other than the payee. I asked for, in writing, verification this was resolved. 

XX/XX/XXXX XXXX XXXX XXXX XXXX again sent a letter attempting to collect the same " debt ''. Again, I replied in writing. 

Today, XX/XX/XXXX it appears that they sold the collection to XXXX XXXX XXXX who sent me a collection notice today, with an increased amount of {$320.00}. 

I have contacted XXXX multiple times and have had no assistance. They asked me at which XXXX XXXX location the check was cashed. I provided the canceled check. No reply.
Product: Credit card

tjmax  said XX/XX/year> numerous people had fraud charges too from a product online, some cream I never ordered. I dont know the name of the company because tjmax didnt provide it. I kept getting new credit cards in the mail, and wondering why because the expiration date wasnt an issue. I called them, and said it could be from inside your company thats doing this. Customer service told me they resolved the problem. I closed this card several months ago & theres more charges sent to me in the mail today. Card wasnt open long due to tjmax credit card double charging in the beginning of having the card. They have very poor customer service, with people saying different things regarding protocol. Most were of a foreign accent with a language comprehension issue, and a few were very rude yelling at me. Tjmax customer service is the worst I have ever experienced sadly, and their accounting practices are fraudulent. They lost my business! 
Please exonerate me of this fraudulent hacking and remove it from my credit report. The amount is {$150.00} of fraud charges.
Product: Debt collection

I am being asked to pay a debt that i do not owe. I was fraudulently charged for services by a XXXX   Provider who was not Authorized as a Network Provider. The Provider did not disclose that he was not a XXXX XXXX  Provider and submitted a claim that was denied by my insurance company. I HAVE INCLUDED PROOF OF MY COVERAGE AT 90-100 % at the time service was rendered. I have provided proof that the Provider was not authorized at the time of service.I do not owe this debt. I am being billed due to negligence on the providers part. This bill has been sent to CHOICE RECOVERY who is demanding payment. I do not owe this debt. I have informed CHOICE RECOVERY THAT I DO NOT OWE THIS DEBT and they illegally placed this item as unpaid debt on my credit profile. This has caused a negative impact on my credit rating.