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

My identity was used for a credit card and I already wrote to this companies thats Im not responsible for it and needs it to be removed asap
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple of years ago, I had a catastrophic event that prevented me from paying my Discover card bill. They quickly snowballed my minimum payment amount to well over {$1000.00}, which wasn't feasible when I couldn't even make the regular minimum payment. 
I called several times to try to work with them, but they wouldn't accept a lower payment. Finally they transferred me over to internal collections, who breezed through three different payment plans, discouraged questions, and refused to send me anything in writing, telling me that it was a " one-time offer. '' I refused to agree to anything without being given something in writing beforehand, so she hung up on me. 
I then found out that Discover reported me as deceased. I have tried to contact Discover to correct the issue, and I have reported the error to XXXX  and XXXX, but I have not been able to remove the " Deceased '' designation from my file. This has resulted in multiple negative impacts - making it difficult to resolve accounts, only being able to qualify for a ridiculously high interest rate on a car loan, and being denied a secured card to help improve my credit scores.
Product: Credit reporting or other personal consumer reports

I am formally disputing the validity of the debt listed under account numbers [ XXXX and XXXX ], which has been reported to my credit file. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting verification of this debt. 

Collection Agency XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$810.00} ( Experian and TransUnion ) Collection Agency XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2000.00} ( Experian, Equifax, and TransUnion ) According to federal law, once a debt has been sold to a new collection agency, I no longer have a contractual obligation with the new collector unless they can provide proper documentation proving otherwise. If you are reporting this debt, you are required to provide complete verification, including : 1. A copy of the original signed contract with my agreement to pay this debt.

2. A full accounting of the alleged amount owed, including original charges, payments, and any fees added.

3. Proof of your legal authority to collect this debt, including a bill of sale or assignment from the original creditor.

If you fail to provide this information within 30 days, per 15 U.S.C. 1692g ( b ), this debt must be removed from my credit report and any further collection attempts must cease. If you continue to report unverified debt, this will be considered a violation of federal consumer protection laws, and I will exercise my right to take further legal action. 

Please respond in writing within 30 days of receiving this letter. If this debt can not be verified, I demand that it be immediately removed from all credit reporting agencies ( Experian, Equifax, and TransUnion ).
Product: Student loan

I set up a Loan Forgiveness program with a third party vendor who did not cover there end of the Deal. Company name is Premier Student Loan Center Contact names are Below : Date XX/XX/2018 XXXX XXXX | Loan Advisor XXXX Premier Student Loan Center Office :  XXXX | Fax : XXXX http : //PremierStudentLoanCenter.com This person set up the account and has my bank information which was given to setup the forgiveness program and automatic Draft of monthly payments. 

Nothing was ever reported to Federal Student Aid : XXXX Below is what I have been paying since the date in question. ( XX/XX/2018 ) Billing Information and copy of Email sent to me for confirmation of Loan Foregiveness Program : XXXX, Congratulations again on your submission to the Loans Forgiveness Programs. Again, You will receive a Welcome call within 72 hours upon the submission of your application. Please Try to gather your POI ( proof of Income ) either 1040 Tax Return or two most recent Paystubs. 

Your Case # XXXX Federal Student Aid Username : XXXX Password : XXXX ReOccuring Payment Dates XX/XX/2018 - {$230.00} XX/XX/2018 - {$230.00} XXXX {$230.00} XXXX {$230.00} XXXX {$230.00} {$40.00} a month for the remaining duration term Again, We want to congratulate you, once again, on your enrollment into the Student Loan Forgiveness Program. Dont forget about our referral program! Now that you are enrolled, you are entitled to a {$25.00} VISA CASH card for each person you refer, so long as they qualify for the program. 



*THERE IS NO LIMIT ON THE AMOUNT OF VISA CASH CARDS YOU CAN ACQUIRE* cid : XXXX ***STUDENT LOAN FORGIVENESS PROGRAM*** If you owe {$10000.00} or more in federal student loans and would like some more information on getting up to 90 % forgiven, the Department of Education & the Federal Government have income-based benefits for you. Call XXXX XXXX @ XXXX and she will help you as she helped me! Make sure to tell her that I referred you! 









Highest Regards, XXXX XXXX XXXX Loan Advisor XXXX Premier Student Loan Center Office :  XXXX | Fax : XXXX http : //PremierStudentLoanCenter.com This is the email i was sent after signing up for the program. 

No information ever made it to my loan provider and my loan is still the original amount that it started with. 

Refer to your email from XXXX at XXXX - Department of Education Loan Servicing. 

She emailed you today on my behalf. 


I have proof of transactions in my bank statements and proof with Department of Student Loans that The party in question never paid any money towards my loans and therefore is in breach of conduct for Fraud. I want my money back in full. 


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

I have called, mail and honestly cry alot dealing with this company called XXXX. I have been trying to get this charged off removed from my account. I was told today XX/XX/XXXX that XXXX sold my debt to XXXX XXXX XXXX, XXXX. I have attached a letter from XXXX XXXX stating " We have closed this account and placed it in a status that will prevent it from being sold or reassigned. '' on XX/XX/XXXX by XXXX XXXX from XXXX XXXX XXXX, XXXX. Yet it's still on my credit report. 

I was told by NJ AG that this account would be removed from my credit report due to the XXXX XXXX XXXX settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment reporting from XXXX credit card reporting late on XX/XX/22 I was never late and I contacted company and there response was accountant was never late
Product: Student loan

Navient Logo Document Upload We need a clear copy of the General Forbearance Request form. Attach documents by selecting a file and clicking the Upload File button below. To attach documents, select the browse button to find the document you wish to upload, then select the Upload File button. Once you have completed those steps for the documents you wish to send, select the Submit Documents button. 

Maximum Size : 5 MB ( 5,120 KB ) total per Document type. You can upload any number of files but the total size of all the files under one Document type can not exceed 5 MB. The upload is fully encrypted so please ensure uploaded PDF documents are not password protected. Note : We will not be able to process password protected files. 

Allowed File Types : JPG, JPEG, PDF, TIFF or TIF General Forbearance Request form The file you are attempting to upload is not in a format we can accept. Acceptable file types are JPG, JPEG, PDF, TIFF, or TIF. 


Browse -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This makes it virtually impossible to send anything to them as they refuse to confirm unemployment status with the state unemployment office. I have docs to send but every time I try, it says that the doc exceeds 5 MB which is too small of a restriction or that it is not in one of the 5 types above. Except for PDF, who uses those others for docs? And I can not convert what I have into PDF. They could choose to accept WORD docs but they don't want people to have that ease. This is intended purely to make getting a deferment more difficult and impeded. In addition, I already sent what they want as an attachment in a regular email, which they now claim they do not have. Plus how many poor and unemployed people really have a fax?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandles my information and put my identity at risk due to a data breach.
Product: Checking or savings account

Chase bank has informed me that my money was sent back to US Bank. I find this to be highly irregular, seeing how theyve not provided me with a reason nor a transaction itinerary of the amount in the question is {$180000.00} this institution has been carless with my money and has ignored their fiduciary responsibility. This institution has acted irresponsible in the care of his customers, account and closing accounts, for no legitimate reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed an Opt Out Notice and validation request to Capital One Consumer Department. I requested that both accounts acct # XXXX and XXXX be validated request listed below : Copy of my written consent to form a credit report on behalf of entity XXXX XXXX XXXX ; The amount they claim the Principal owes them ; A letter of explanation showing me how they have computed the amount ; Contract with both WET INK Signatures ; Copies of any document that prove I agree to pay the alleged amount ; The identity of the original creditor ; Confirmation that the account has not reached the statute of limitation ( SOL ) period ; Evidence that they are a licensed debt collector ; Evidence of your license numbers and your registered agent ; Capital one ignored my request and continued to report after I opted out and revoked my permission. They were informed of the privacy act of 1974 as well as all other violations below. Then notified a 2nd time on XX/XX/XXXX after ignoring the 1st Demand. 

The privacy act of 1974 15 USC 6802 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A Defamation of character Capital one is in violation of multiple US Codes, Privacy Act of 1974 and FCRA.

All capital one accounts are to be removed from my credit report Per 15 USC 6802.
Product: Mortgage

I began a refinance process for my home mortgage the first week in XX/XX/XXXX. At that time, I sent every piece of documentation to GoodMortgage.com within 12 hours of their request. They charged me {$600.00} for an appraisal and they hired the appraisal company. The appraisal came back with a list of inaccuracies. I contacted GoodMortgage right away. Their solution was that I pay for another appraisal. I argued this was not my responsibility that the company they hired failed to deliver the proper service. On XX/XX/XXXX, GoodMortgage called me at XXXX stating they would pay for another appraisal. At that time, my mortgage was paid. I complied to their rushed appraisal on Sunday, XX/XX/XXXX. I heard nothing from the company for more than a week. Then, Friday, XX/XX/XXXX, I was told we were cleared to close and would close either Saturday or Monday. Monday came and went. There was a couple more documents that were requested and I sent them within 15 minutes. I received word on Wednesday, XX/XX/XXXX that we were cleared. Now, they are not closing on the loan and are refusing to communicate with me. I have lost {$600.00} in fees from GoodMortgage and accrued two late payments, totaling {$200.00}, due to their failed delivery of their promises. I have multiple emails, voicemails, and texts as proof. I will now need to start over, incurring more costs.
Product: Mortgage

Despite rated falling over the past XXXX weeks US Bank refuses to pass those rates to me and is holding me in a higher locked rate. 

See here from XXXX XXXX on rates dropping over prior XXXX weeks XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. LIGHTSTREAM on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

I turned my car in to the bank in XXXX. They still charged me late fees in XXXX all the way to XXXX. They had my account open for 5 years charging me late fees and no pays for 5 years after I turned the car in. I self repoed this car 8 years ago and it will stay on credit for 13 years because they let it stay on the credit report for 5 extra years
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist Communication Request Pursuant to 15 U.S.C. XXXX ( c ) Debt collectors, collection agencies I am writing to formally notify you that, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. XXXX ( c ), I am requesting that you immediately cease and desist any further communication with me regarding the alleged debt referenced in your communications. 

Under 15 U.S.C. XXXX ( c ), I have the legal right to request that you stop contacting me. Therefore, I request that you cease all written and oral communications regarding this matter, effective immediately. The following accounts need to be removed immediately XXXX XXXX account number : XXXX balance {$330.00} XXXX XXXX XXXX XXXX XXXX : XXXX balance XXXX XXXXXXXX XXXX XXXX account number XXXX XXXX I've never heard of your company i do not have any business or contract with your company XXXX. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 

XXXX. XXXX. Validation of the debt-that is, the actual accounting. 
XXXX. 
XXXX. Verification of signed Invoice. 
XXXX. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
XXXX. Please provide the original docurse and wet signature if you cant provide these items Delete them. 


Please be advised that I expect all communication from your office to stop, with the exception of a written notice acknowledging your receipt of this request or any other communication that is required by law. 

Failure to comply with this request may result in legal action being taken to enforce my rights under the XXXX 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and that your communications will cease accordingly. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX has had a massive security breach they are clearly hiding. There was fraud on my account. Someone tried to take {$4000.00} out of my checking through the stock app Robinhood. Robinhood put a lock on my account and said they were investigating. It has been close to 3 months and the lock is still on my account and they wont even respond to emails or call me back and as of late they decided to send me an email saying they are closing my account and i have to withdraw my own funds by a certain date. Im outraged that a company can act like this with almost zero customer service. I just want my money out of my account and to be done with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent my letter by certified mail to the credit bueras to have inaccurate personal information removed from my reports. I have physical proof that that have received my letter but they have yet to do anything. They never put any of the information into dispute status to try and change not one thing. I have attached records below to provide proof of certified mail information.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$170.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$300.00}
Product: Credit card or prepaid card

Charges were made on my mid XXXX at XXXX XXXX that I did not authorize of XXXX and XXXX. Ive been trying to get this resolved and no resolution had been found. I was told by there customer service that I would not have to make payments on these charges meanwhile the investigation was still going so I listened and didnt make any payments. I would later find out that my credit score went down due these charges for non-payment. I was told by there fraud department that my dispute was denied because not enough information. They stated that I received mail and emails regarding this decision but I never received emails or mail and I even called and tried getting an update but never really got an answer. Ive been trying to get this solved but they keep sending me to different departments. Now my credit score went down hugely and its upsetting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX XXXX, tax transcript from IRS, and proof that Capital One Auto finance can not report a charge off that has been claimed on our tax return on my consumer report. XXXX will not delete capital one auto finance from my consumer report, once a XXXX is given and included on taxes, this charge off is now consider income. Income is not reported on credit, unless there is a new law that you CFPB have made up and I have not found it in the laws from CFPB and federal bureau have been put in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi My name is XXXX XXXX and I was a victim of identity theft. When i checked my credit monitoring site for the first time i noticed fradulent student loan accounts on my credit report for over 8 thousand dollars ... From 2014 to present. I also notice a fradulent XXXX account from XXXX  for over 900 dollars. And a fradulent XXXX  XXXX XXXX   account for XXXX dollars.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

I saw an unfamiliar collection on my credit report and needed validation. 
I mailed a letter to all 3 credit bureaus asking to verify this collection. They responded verified.

I mailed a letter to the 3rd party collection asking for validation of debt. They never responded. My question is how did the credit bureaus verify with them and i cant get a response back from my " CERTIFIED LETTER ''? The FDCPA states that they have to provide this information. FCRA states that the credit bureaus must provide the method of verification if requested. I asked them for that as well.

In the attachments you will see that the credit bureaus received my letter, per the updated status. Also, the certified mail to the collection agency. 

PLEASE DELETE
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$470.00} Open Date XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance {$35.00} Open Date XXXX XXXX, XXXX XXXXXXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$10000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance {$2300.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$1400.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Received unsolicited letter from XXXX XXXX requested identify verification for a XXXX XXXX credit product. 

Checked my credit report, and XXXX XXXX had done a credit inquiry through Trans Union credit without my authorization. 

Called XXXX  turns out they have a special data interchange relationship with XXXX XXXX. Also a private label credit card. 

XXXX XXXX apologized and said they would remove credit inquiry on my TU credit profile. Has not happened yet, it is still on my credit profile with XXXX. 

XXXX and XXXX need to be bounced by the CFPB so as not to all them to illegally access consumer credit profiles without the consumers permission.