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

This letter is about the following accounts : COLLECTION : # XXXX, which you claim, I owe [ {$220.00} or my account was charged off {$220.00} ] .This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative 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 dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to 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 withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

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. 

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. 


P.S. 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. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Debt collection

This is almost a 3 year old problem. I was told it was n't a legal loan, and they ca n't collect it, nor do I remember it. They have threatened to take legal action, several times. Called today 6 times, then I answer a local number and told they receive page work to have me arrest by other party was given 24 hours, that XXXX felony charges was to be filed on me tomorrow. This was XXXX mins after they email my sister XXXX XXXX, I said no during the call last week, he said he want to talk to my sister and I said no, he said he was going to call. Called local DA and was told to contact you. 1. I asked for some proof 3 years ago. Repeated calls, send email to my sister with all info and she was asked to sign it. I was yell at not allow to say XXXX words. Call on XX/XX/XXXX or XX/XX/XXXX told they had a SS ATM card demanded I give it to them. There is no way legally they could know that. Told them I did n't and only a saving account that they could n't debt. I asked for more info because I was told it was n't a legal loan in the state of OK. I do n't remember it. The call got worse they demanded I get a pre-play card. I informed them I was n't because I did n't have money to be put on it. They asked if I had one I said yes but NO MONEY WAS ON IT. I was threaten again I told him I could give him one but no money was on it. They caused XXXX dollars worth of damage to my bank account 3 years causing return fees, bills not paid and ACH run daily racking up fees on me. I 'm told those are hot checks. I 'm on XXXX and they ca n't garnish it, which did cause a garnish of a federal bill because they were cleaning out my account. I 'm still trying to dig myself out. I was asked if I owned a house, I said no, I do not own a house. His name is XXXX. 2 years ago after I asked for proof never heard another word until last week.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - INQUIRY DATE XXXX XXXX XXXX XXXX - XX/XX/2022 - I CALLED THE COMPANY AND INFORMED I ONLY AUTHORIZED ONE CREDIT CHECK AND NOT 2 WHICH IS THIS ONE. 

XXXX XXXX XXXX XX/XX/2022 - I CALLED THE COMPANY AND INFORMED I ONLY AUTHORIZED ONE CREDIT CHECK AND NOT 2 WHICH IS THIS ONE. 

XX/XX/XXXXXX/XX/2022 - XXXX DONT KNOW WHY THIS IS HERE.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the presence of a collections account on my credit report, as reported by your agency. I believe that this account is inaccurately associated with my credit profile, and I am invoking my rights under federal law, specifically 18 USC 894, to request verification of this debt.

Pursuant to 18 USC 894, I assert that I neither own nor have knowledge of the existence of the account listed under the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I AM NOT LIABLE FOR THIS DEBTS. 
I DO NOT HAVE A CONTRACT WITH ANY OF THIS COLLECTION AGENCIES.

Furthermore, pursuant to 18 USC 8, I affirm that I owe no debt associated with this accounts.

As a consumer, I am entitled to request verification of any disputed debt under the Fair Credit Reporting Act ( FCRA ). Therefore, I kindly request that your agency conduct a thorough investigation into this matter and provide me with the following information : Documentation verifying the debt, including any contracts or agreements bearing my WET SIGNATURE.

Proof of ownership of the debt by the reporting creditor or collection agency.

Verification of the accuracy of the reported information, including the amount owed and the dates of the alleged transactions.

I understand that the FCRA requires credit bureaus to investigate disputed items within 30 days of receipt of a consumer dispute. Therefore, I request that you provide me with a written response detailing the results of your investigation within this timeframe.

Furthermore, I assert that the reporting of this disputed account violates my consumer rights to privacy pursuant to 15 USC 168b. The company in question has no permission to report any information using my personal information pursuant to 15 USC 1681 4.

I insist that any communication regarding this matter be conducted in writing to ensure clarity and documentation.

Please note that failure to provide the requested verification within the prescribed time frame may result in further action to protect my rights under federal law.

Please note that pursuant to the FCRA, if you are unable to verify the accuracy of this account within 15 days of receipt of this dispute, you must promptly delete it from my credit report. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Product: Checking or savings account

I was banking with BB & T prior to the merge with Truist. I would get overdraft fees when there were no transactions to warrant such fees. My account closed in XXXX. A deposit was received and they the bank didnt refund me any money and stated that I owed and they would keep the deposit even though the money went to a closed account. XXXX reports closed paid account. In today I received a notice to my email that I received a overdraft fee but I was confused because I have no open account with Truist. So I used my old Login to see what was going on. Truist opened a account without my knowledge. My account closed 3 months ago and was reported to XXXX. Truist fraudulently opened an account with fake deposit information making it seem like I overdrawn my account and are charging fees on this account. I have not had any contact with Truist since the closing of my account back in XXXX. This is a business account. I have also notice that Truist will make your balance disappear and charge you overdrafts for ghost transactions that doesnt even exist.
Product: Student loan

I have been on hold with Mohela trying to get a hold of them to be able to change my IDR plan and to speak about forbearance. I was put on with an agent 2 hours in who said they needed to upgrade my call to an advanced agent, ( they always say this to me no matter the call ). I was then told itd be a 4 hours 40 minute wait. It has far exceeded that and I have been on hold for over 11 hours total. I can not reach them to even update my account and loan type.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX XXXX are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove 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 few inquires and auto loan accounts. 

An auto loan account was opened : at XXXX XXXX XXXX on ( XX/XX/year> ) under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud
Product: Credit reporting or other personal consumer reports

While trying to get a home equity loan through my bank I was notified that I had a recent hard inquiry from capital one on XX/XX/. After looking threw my records I never made nor approved capital one to make such inquiry.
Product: Checking or savings account

On XX/XX/2022, I was notified via telephone about a check that was deposited through mobile deposit. There were not adequate funds in my checking account. The check amount was {$8200.00}. I was not aware of any check written of this amount by me. I personally went to my bank, United Community Bank in XXXX XXXX, GA. There, I requested to look into previous transactions for similar fraudulent activity. The banker looked into my account and there were a total of 13 fraudulent checks which had been cashed from my checking account. From those, 7 checks had been cashed, totaling up to {$39000.00} within the last 24 hours and 6 more checks had been cashed within the month of XXXX, totaling to {$16000.00}. The banker stopped any further transactions on the account. The banker filed a complaint to the fraudulent activity department at the bank and I filed a police report as well.
Product: Mortgage

Our property was sold and closed on XXXX XXXX, XXXX. The closing atty sent a cashiers check in the amount of {$290000.00} on XX/XX/XXXX ( received XX/XX/XXXX ). The bank informed him of a shortage and the remainder in the amount of {$1500.00} was sent on XX/XX/XXXX ( received XX/XX/XXXX ). Both Checks totalling {$290000.00}, which was the payoff amount quoted by the bank and good til XX/XX/XXXX. 
XXXX XXXX I was informed that the loan had not been closed out yet, no other information was given. 
XXXX XXXX I was told that the payment had been rejected because now it was short {$710.00} ( as per their letter dated XX/XX/XXXX the payoff was {$290000.00}. 
XXXX XXXX I was informed that the {$1500.00} had been applied to " a payment ''. 
I asked if it could be reversed as there was no payment or escrow to be paid, they informed me they could not. 

Both the closing attorney and myself have made numerous calls and unforetunately always have to speak to different supervisor, each giving us a different story. Monday I was told they had the funds and would be closing out the loan, to call back in 2 days. Today I was told that the cashiers check had been destroyed by one supervisor and another told the attorney that it had been sent back to me on XX/XX/XXXX. 

Again, this property sold and closed on XX/XX/XXXX, the new owners are already occupying the home and I have alread received the proceeds from the sale. SPS Servicing is not closing this loan in a timely matter and are continuing to charge interest on this loan, furthermore ruining my credit. WHen I call I am also informed that the file is being sent to an attorney for non-payment.
Product: Credit card

Issue : - US Bank credit card was opened in XXXX XXXX : account XXXX - For 9 months payments were made on-time and frequently - One scheduled payment in XXXX XXXX was returned unpaid by my bank - immediately corrected - In XXXX XXXX, a second scheduled payment was returned unpaid by my bank - Due to this second returned payment, US Bank elected to close the credit card account completely - In doing so, US Bank confiscated XXXX reward points earned over the lifetime of the account, valued at {$2800.00} Notes to complaint regulator : - This is the third complaint I am filing against US Bank with various organizations - The credit card agreement of the above-referenced account clearly says that US Bank may close the account at any time for any reason - The credit card agreement also mentions that when the account is closed, all earned reward points will be forfeited - I therefore can not and am not disputing the contractual legality of US Bank 's actions - I am, however, filing a complaint on the basis of extremely unfair and predatory actions - While it is perfectly acceptable that US Bank may decide to close an account, I find it unfair and predatory that they should confiscate all reward points when doing so - I find that this may stem on a basis of false advertising : entice customers to apply for and utilize a credit card, allow them to earn rewards, then close the account at any time without paying on earned rewards - I am simply asking US Bank for a goodwill gesture to honor the reward points earned on my account. 
- In doing so, I would also like to alert the complaint regulator that such a credit card agreement policy ( all rewards are forfeited upon account closure ) can pave the way for such predatory practices against consumers such as I am experiencing. From my research, many other large banks have recently removed this policy altogether.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a child support account that is not mine and does not belong to me. I dont even have a childXXXX XXXX  and XXXX corrected this error but Experian has been XXXX help.the account was removed on two of three credit bureaus but when I submit a dispute with Experian they are no help and dont look into the case and just gives me a generic answer
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA. ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their problem, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I recently filed a dispute because I had concerns about the accuracy and completeness of an account on my credit report. Unfortunately, its clear that a proper investigation wasnt conducted. I truly believe that this information is still being reported incorrectly, and its taking a serious toll on me. The stress of this situation is overwhelming, and Im feeling deeply discouraged. 

Please, I need your helpI feel like my life is falling apart because of this. Also, I want to make it absolutely clear that I am the one personally submitting this dispute, not a third party.
Product: Credit card or prepaid card

I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which JPMCB is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I received a response that automated and they are not addressing the issue. All the information they may need is in the letter that I sent to them. I will the documents that could help you investigate my claim. 

JPMCB is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
Product: Credit card

I am a victim of identity theft numerous accounts were opened in my name credit cards, loans, and the list goes on. I need the following account removed immediately from my credit report it has caused great stress in my life. 

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

On XX/XX/2022 I sent a letter regarding inaccurate and unknown inquiries on my credit report and to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly. I demand these inquiries be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

I opened my checking account on XX/XX/2023 with the XXXX offer. The requirements was to make {$1000.00} in deposits within 30 days of account opening which I did. After all requirements was satisfied they was suppose to send the bonus within 90 days of account opening which they did not. There was some weird errors where I couldnt access online banking and couldnt see transfer funds that had occurred as well which may be the culprit of the beginning of my issues. I called my local branch who said they investigated and wasnt going to honor it because I didnt apply the promo which is false and after proving otherwise was told I didnt qualify because I didnt have a branch within XXXX miles which is false as well. My boyfriend lives near me and got the bonus but only after contacting the same branch I did and complaining. Theyre making any excuse to not fix their error. Here we are nearly 4 months later and no bonus posted to my account.
Product: Debt collection

On XX/XX/year>, at XXXX I received a text from XXXX Outsourcing a debt collector regarding XXXX XXXX Bank ( Upstart - for which current creditor is XXXX XXXX XXXX XXXX ). I informed them to stop texting me. Later on that day they decided to contact family members and share information regarding this matter. I have not given any permission for them to discuss or contact anyone regarding this debt. They are breaking the Federal Fair Debt Collection Practices Act ( FDCPA. I have screenshots and proof of attempts. I will be taking further action by contacting my attorney.
Product: Student loan

I am in income-based repayment status with Navient. Several years ago, I was an XXXX XXXX, which paid the interest on my student loans during my year of service. However, Navient capitalized all of the interest from that year, adding it plus more to the loan principal after having accepted the government 's payment on the interest. Additionally, I paid the full amount of my XXXX XXXX award toward my loan principal, and Navient applied all of it the interest. Since that time, they have included a line item for " capitalized interest '' at the beginning of every year, causing my loan balance to increase every year, though I am making substantial monthly payments. There is no one at Navient to speak with about these issues, and it appears they are increasing my monthly payment from {$750.00} to {$1600.00} as of XXXX XXXX. I will continue to try to reach someone there.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS USED TO OPEN THIS FRAUDULENT LEASE ACCOUNT THAT I DID NOT OPEN SOMEONE USED MY INFORMATION TO OPEN THIS LEASE I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). XXXXThey 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

National Credit Adjusters - XXXX $ XXXX XX/XX/year> {$1500.00} + XXXX - Requested debt validation, assignment contract, proof of secularization and request for removal of credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I was checking muy report through XXXX XXXX and I realized that my score went down 51 points. All of the accounts were removed and my mortgage was removed as well. I am very serious about my credit and I have been struggling so hard to get my credit together. I pay my bills on time. This is very annoying during this pandemic. I am having anxiety due to this. I went on back on XXXX XXXX Saturday XX/XX/2020 and noticed that the some of the information was placed back on my report after I made the phone call to Equifax on Friday XX/XX/2020. I spoke to XXXX the customer service rep and also XXXX the supervisor which told me there was nothing that could be done and that someone sent in a letter requesting that this information be taken off. I was asked if I had any third party apps and Equifax stated that they do not report the correct info. I said to them how is that possible. Why would they not report the right info if they are representing your company. She said we sell your nfo to them. I feel that my right s have been violated and I want something done immediately.