23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CAB Collection continues to verify and report to the credit bureaus a debt that is a result of identity theft. The address where the utilities was set up is an address to which I never lived and I never authorized the transaction. I have a police report on file and have sent to all XXXX bureaus. The reporting of this account is not only inaccurate but it is causing me and my credit rating serious damage. I needed to let this go on record since CAB is n't willing to do the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is an incorrect item on my credit report i have disputed the item Transunion came back as saying it was previously disputed and they refuses to investigate the incorrect information
Product: Credit card

Transaction Date : XX/XX/2023 Transaction : MEMBERSHIP FEE XXXX XXXX XXXX Amount : {$490.00} plus interest charged We called in and cancelled this card over the phone on XX/XX/2023. The agent confirmed cancellation and we thought that the account is closed. I logged in today just to make sure and noticed that Citibank charged me {$490.00} and my account is past due and was never closed! 

I called customer service and explained this to them and explained why I chose to close the card back in XXXX due to financial hardship and they were not helpful and were rather rude and aggressive. This is predatory. 

I would like the charges refunded along with the interest and this account closed.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I transfered XXXX, - from my bank account via my XXXX card to my Coinbase wallet. I did this two times ( = XXXX, - ). 

However, none of the two purchases arrived at my Coinbase wallet. 

To this date ( XX/XX/XXXX ), I tried to contact the Coinbase customer support 3x via the email form, as this is the only way to reach them. I only got automated responses, but nothing else! The money is still missing. 

I contacted my bank, but they were unable to help me, since the money was transferred correctly. 

You are my last hope! 
( Sorry for any spelling mistakes, I am from XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid for a equifax membership to keep my credit report accurate and up to date.This membership has not been honored as i've recently had issues with disputes on my personal credit report with missing information. The company has stated that this information has been reported on XX/XX/2020 to equifax. Information has not been updated by equifax timely, and equifax has not responded accordingly in the three previous CFPB complaints. This is unethical and is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding the erroneous information I discovered on my credit report, I am submitting this complaint. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. Below is the list of the fraudulent items I found on my XXXX report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. Please comply with the law and please remove the disputed items as soon as possible.
Product: Debt collection

To Whom It May Concern, I am writing in response to your communication dated XXXX XXXX, which I received on XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I am requesting validation of the alleged debt you are attempting to collect. I am exercising my rights to dispute this debt and to demand detailed documentation regarding its legitimacy.

Pursuant to the FDCPA, you are required to provide validation before continuing any collection activities. Kindly provide me with : 1. Proof of Debt : Documentation verifying that I owe this debt, including a detailed breakdown of : The original amount of the alleged debt. 
Any interest, fees, or other charges added.

Payments made ( if any ) and how they were applied.

2. Original Creditor Information : Name and address of the original creditor.

A copy of the signed agreement or contract that establishes my obligation to pay this debt.

3. Your Authority to Collect : Documentation demonstrating your legal authority to collect on this debt ( proof of assignment or purchase agreement ).

Proof that you are authorized by the original creditor.

4. Statute of Limitations : Proof that the statute of limitations on collecting this debt has not expired. 

Until I receive these documents, I request that you immediately cease all collection activities, including reporting this alleged debt to any credit reporting agency, as required by law. Failure to validate this debt or comply with these requirements is a violation of the FDCPA, which I am fully prepared to report to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals Office. 

Additionally, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to ensure that no inaccurate information regarding this disputed debt is reported to credit bureaus. If this debt is currently being reported, I demand that you remove it immediately until validated, as required under the law. 

Be advised that I am recording and documenting all correspondence regarding this matter, and I may use this evidence in any legal action to enforce my rights.

Please respond to this letter within 30 days of receipt. If you fail to respond with the requested documentation, I will consider the matter closed and take appropriate action to protect my rights. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2019, I attended a concert and was picked up by a cab driver. The cab driver said that the price would be reasonable. We traveled for a short distance, and when I asked the cab driver how much it would be, he said XXXX dollars. I told him to charge me XXXX dollars, to include a XXXX dollar tip. I paid by debit, but did not sign anything, enter my pin, or get a receipt. Two days later I saw the cab driver had charged me XXXX dollars. I called CitiBank immediately to dispute the fraudulent charges of XXXX dollars ( XXXX less the agreed-upon XXXX dollars ). They told me to fax the details to them. I did. 

They sent me a follow-up letter asking for more details. I sent my reply by mail. I also called them a number of times asking about the status. They then sent a letter saying that they had not received a response. I sent them the details by letter again, as the fax number they provided gave me a busy message repeatedly. I called CitiBank directly and told them the details of my response over the phone and they noted it. They then sent me a letter saying they had sided with the merchant due to a lack of response on my part and closed the dispute. I appealed it, and they sent another letter ( received on XX/XX/2019 ) saying it had been too long from their original request for information from me. 

It was not possible to get in contact with them in a fashion to resolve this dispute, and they did not take note of the letters I sent to their address they provided. I am very disappointed by this. I have attached the original communication I sent to CitiBank below with all of the relevant details.
Product: Credit reporting, credit repair services, or other personal consumer reports

Current credit score issued by Equifax is misleading and incorrect. I have had several debts show up as " decreased '' in the amount owed as I have steadily paid them down. The other two reporting agencies show an " improved '' credit score. Equifax score went DOWN by 17 points. This is not correct and they would not give me a reason for the decrease in my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am responding to complaint number XXXX Experian you are not reading what I am asking you to do! I am not asking you to verify any information or validate information with XXXX XXXX. STOP SENDING XXXX XXXX VERIFICATION, BECAUSE I AM NOT ASKING YOU TO VERIFY ANY INFORMATION WITH XXXX XXXX! I HAVE ALREADY REQUEST FOR VALIDATION FROM XXXX, THEY SENT ME A LETTER AND STATEMENTS SHOWING THAT THEY HAVE PURCHASE THE DEBT! I AM ADVISING YOU EXPERIAN ACCORDING TO CFPB 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) 1006.34 Notice for validation of debts.

( b ) Definitions. For purposes of this section : ( 3 ) Itemization date means any one of the following five reference dates for which a debt collector can ascertain the amount of the debt : ( i ) The last statement date, which is the date of the last periodic statement or written account statement or invoice provided to the consumer by a creditor ; 1. Last statement date. Under 1006.34 ( b ) ( 3 ) ( i ), the last statement date is the date of the last periodic statement or written account statement or invoice provided to the consumer by a creditor. For purposes of 1006.34 ( b ) ( 3 ) ( i ), the last statement may be provided by a creditor or a third party acting on the creditors behalf, including a creditors service provider. However, a statement or invoice provided by a debt collector is not a last statement for purposes of 1006.34 ( b ) ( 3 ) ( i ), unless the debt collector is also a creditor. 

YOU MUST DELTE NOW!
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous time and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that retrieving lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only failed to protect its consumers but also has allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about safety.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft. I never went to XXXX and I am receiving letters and phone calls from the department of education for loan payments. I would like this account removed from my credit report immediately.
Product: Debt collection

XXXX XXXX ( XXXX XXXX XXXX. XXXX, OH XXXX ) opened a fraudulent account in my name in XXXX of 2015. This Fraudulent account has been sold to a collection agency Consumer ADJ. I have tried to prevent any confusion with XXXX XXXX about this fraudulent account. I have requested that this fraudulent account be removed immediately from the credit agencies. I have tried working with the credit reporting agency and the credit grantor to have this account removed from my credit report. Right now I am seeking legal advice in addition working with a police investigator to locate the individual who is responsible for fraudulently establishing this account without my permission or my authorization. If I am unsuccessful with this attempt. I will be forced to file suit in federal court naming the credit reporting agencies, the creditor and the collection agency.
Product: Credit reporting or other personal consumer reports

I am a victim of identity and these accounts were not authorized by me.
Product: Mortgage

Pennymac Loan Services bought my original mortgage from XXXX XXXX XXXX in XXXX XXXX. I have an exemption at the court house stating my property taxes do no increase due to XXXX XXXXXXXX. Pennymac is the responsible party for my escrow account, in this matter. I received a check in XXXX stating I was over paying on my escrow account, then a during XXXX of XXXX received a statement stating my escrow was increasing and reflected a negative balance for the cushion. In XXXX of XXXX, the County contacted me stating my property taxes had not been paid, and my name would be submitted to the local newspaper. After contacting Pennymac, a payment of XXXX dollars was paid to the county for delinquent taxes. I have now received another statement stating my escrow account is XXXX dollars in the negative, and they require an additional XXXX for a cushion. I called the company and it was explained they were under the assumption, my CO taxes were XXXX dollars a year, and due to the XXXX dollars paid in XXXX for the delinquency and the additional XXXX - which is my actual yearly property taxes, were paid, including my XXXX hazard insurance - my account requires XXXX dollars to be current. My first issue, is the escrow account and payments are their responsibility, they purchased my account, and I am forced to allow them to handle my escrow account. Secondly, if they paid a delinquent payment in XXXX, how did it take almost 9 months to determine my correct tax amount, and why is the mismanagement of this company constituting a financial hardship on my behalf. I could have budgeted all year long, had I been in charge of my own finances. I have just accepted a lower paying job and am not prepared to pay an additional XXXX dollars for my mortgage a month, after I made this career choice based upon my budget. This happens to be XXXX as well, and receiving a debt collection for XXXX dollars for Pennymac 's poor management, is absolutely unacceptable. In addition, they have maintained this account almost two years, their mishandling should not change my life drastically.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX XXXX XXXX  of charged off. 
Since then the account has repeatedly been updated as charged off every month.This is an update in the payment history. A charged off account should NOT include an active payment history.This inaccurate information falsely manipulates the statute of limitations. 
You failed to investigate this account properly and your neglect has violated my rights. 
I am demanding a deletion of the Following account. 
Account Name - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Have been charged Late Fees repeatedly month after month for payments that were set up directly with my financial institution and this credit card company was not applying my payment in a timely manner causing a late fee EVERY month. I verified with my financial institution the account number and remit address, both were correct and the payments were mailed in enough time to be received by due date.
Product: Credit reporting or other personal consumer reports

The Employment history on my consumer report reappeared as XXXX XXXX. This is inaccurate information per the Fair Credit Reporting Act. I retain all rights to delete this inaccurate information on my consumer report as soon as possible. I am a daughter of the most high XXXX and my labor aligns with the most high image and likeness. I am not a XXXX as shown on the consumer report attached here. 
I never reported this and the persons do not know me or any of my friends or family.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PARTIAL ACCOUNT NUMBER : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, CA XXXX XXXX Dear XXXX COMPANY, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting " Proper Validation and Proof of Claim '' as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identity me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 
Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX Department Resurgent Capital Services L.P Dear XXXX, Having reviewed all of the documents provided to me regarding this alleged debt, I am afraid that you are committing fraud. 

You are violating the code of Federal Regulations 12 CFR 1006.30 ( e ) Prohibited Practices. By Furnishing certain deceptive forms.

A debt collector must not design, compile, and furnish any form that the debt collector knows would be used to cause a consumer falsely to believe that a person other than the consumer 's creditor is participating in collecting or attempting to collect a debt that the consumer allegedly owes to the creditor.

This fraudulent bill statement that you have designed and furnished to me does not reflect accurate nor true information on my behalf.

Upon reviewing the monthly statements from the alleged original creditor, this also has shown fraudulent information on my behalf, My name is not XXXX XXXX XXXX XXXX. 
Nor any of the addresses belong or have any attachments to my person. 

Furthermore, as the information that you provided is fraudulent and deceptive, this does not validate this alleged debt. Pursuant to 12 CFR 1006.34 Notice for validation of debts. Please be advised that I am requesting VALIDATION not VERIFICATION. I Am requesting a copy of the original contract, and or documents bearing my signature, payment history and all proper disclosures with the original creditor. 

Furthermore, I am afraid that you have committed an infringement upon my consumers right to privacy pursuant to 15 usc 1692, as I never contracted with you, LVNV Funding LLC, and Resurgent Capital Services L.P . I, XXXX XXXX XXXX never gave you, LVNV Funding LLC , and Resurgent Capital Services any oral permission or written permission to contact me or have any of my private information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end credit plan as late for and purpose.