23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have information reported on my credit from XXXX XXXX XXXX for an incorrect amount. When I called the original creditor Citi Bank for Best Buy Visa they advised me that they did not have any records of an amount I owe, they just stated to call XXXX XXXX XXXX. So if they original creditor advised over the phone that they do not show how much I owe. How is that XXXX XXXX XXXX can report to my credit? And now they have some attorney 's office XXXX XXXX involved as well. When I called XXXX XXXX XXXX they would not provide any info other than XXXX XXXX which is another debt collector. So you have a debt collector trying to collect for another debt collector.. XXXX XXXX are stating they can provide proof of the debt only, but not the original contracts or statements.
Product: Debt collection

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Debt collection

The debt by XXXX ( XXXX XXXX XXXX. ) for {$64.00} has been disputed by me several times. I canceled my internet service and was told that no charges were owed but they still billed me for the next month. I have never received a response from the debt collector verifying the validity of the debt. This account was closed and charges posted after closure by XXXX. I have disputed the account in writing but I C System has still reported this as a collection account to credit reporting agencies.
Product: Checking or savings account

I received a letter from US Bank dated XX/XX/XXXX notifying me that my account was debited in the amount of {$3400.00} to reverse an entry to my account in error. No backup documents were included so I contacted the bank for clarification on XX/XX/XXXX. After speaking with XXXX different people, I was finally told that the transaction happened on XX/XX/XXXX and they could not provide further information. That same day, I went in person to a local branch and spoke with a teller who provided me with only a bank statement that did not show any explanation either. I went to the bank again in person on XX/XX/XXXX and requested for documentation to prove that the {$3400.00} was incorrectly deposited into my account ( over 2 years ago ) and they could not provide me with anything. I received a call a few days later and all they could tell me was that the name on the check that was deposited was not mine and they could not give me images of the deposit/transaction.
Product: Debt collection

XXXX tried to bill us early termination after paying for their service for 10 years. We refused to pay and it went into collections. Portfolio Recovery has been attempting to collect for the past several years. They constantly call that get ignored. They somehow got into some credit card information that has nothing to do with this, get a name of a person that is not related to me ( volunteers with me ) and then contact her saying " they are trying to get paid for an outstanding debt '' She has saved the message left on her phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to validate information I disputed on my credit report. They have failed to provide me copies of any documentation associated with the  XXXX  accounts I disputed, bearing my signature. In the absence of any such documentation bearing my signature. I asked that if the information was not provided that it be deleted immediately from the credit file under my social security number. There were  XXXX  unfamiliar accounts that appeared on my credit report. I have no contract signed with any of these companies so I filed a dispute with the credit bureau and they said it was mine but have not provided me anything bearing my signature from the clients they claim to have verified with and me having a common name I typed the name in on  XXXX  in my area and there are over  XXXX  people with the name  XXXX   XXXX . In my letter to the credit bureau that I send in  XXXX    XXXX  , I challenged the accuracy, compliance and report ability of the listing. The  XXXX  accounts listed are  XXXX .    XXXX   XXXX  services  XXXX .     XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Wells Fargo did a hard pull on my credit without my consent but no one can tell where and what it is to. It shows this was done on XXXX credit report on XX/XX/year> and it says BANK CARD. I do not have a bank card with wells Fargo and no one at wells Fargo can see this information. The dispute company and XXXX wont remove from my credit hard pull.
Product: Student loan

My student loans are through the federal government and I was assigned the company, Aidvantage. I have set up Autopayment with them to take out the full amount of my student loan payment every month on the XXXX. I keep receiving letters that I'm missing payments and have payments past due from the XXXX XXXX XXXX. Checking with them, it currently says my payment went through on the the XXXX and it also says my payments are past due for the XXXX. Talking with them these are their responses : " If the due day falls on a weekend or holiday, payments will be effective on the due date but may not post on the account until the next business day. '' They also said " It looked like last month was a different scenario. I saw that last month 's payment was reversed and then resubmitted. '' My bank account is accurate, and works perfectly on other websites, my autopay is current and accurate. When I asked why this keeps happening the response was " General that happens when your bank is unable to locate your account, based on the account number provided. I see that this same thing has been happening since XXXX. '' I explained all of the things I were accurate and work perfectly on all other sites. My conversation was terminated. I fear in the future my standing with my loans will be effected and I may not be eligible for student loan forgiveness despite paying all my loans in a timely manner. Thanks
Product: Checking or savings account

I had a fraud dispute, where the merchant was still taking money from the account after it was closed, that was denied on XX/XX/2022 with no investigation. First Merchant states in the final determination letter that I have the right to request copies of the documents that was relied on to making they determination. XX/XX/2022, I called in to customer service stating that I need documentation of the decision from the merchant and the first merchant bank. She stated under the tab its usually a document from the merchant or notes supporting why the decision. She said " there's nothing here on my end that I can send you just of what you sent in from the merchant ''. XX/XX/2022, I called back seeing has there been any updates on the account for me to pick the documents up, another customer service rep stated " you will be able to go to the branch and get them print off ''. I arrive to the Plainfield branch where XXXX the bank manger assisted me. He stated " there's nothing he can be able to give me because he doesnt see nothing. '' I have filed a case now with the Indiana Attorney General. First Merchant is stating I have the right to my documents regarding this dispute but there's nothing available. The bank did not do an investigation on dispute like a fraud case is supposed to be done. On first merchant end and the merchant " there has been no communication before the claim was closed ''. First Merchant bank waited till the 9th business day to open the dispute and the 10th business day to close without any investigation. Please send over as soon as possible the documentation from first merchant bank and the merchant.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX, there were no late payments being reported. I have stated this to you all several times now and you continue to report this harmful information on my Experian report. Earlier this year, XXXX, I made several requests for XXXX XXXX and Experian to make sure that my balances were being reported accurately and in a timely manner because I am a business owner and seeking to establish business credit so that I do not have to continue a personal guarantee to avoid accumulating inquiries on my personal credit. After my request, Experian started reporting inaccurate information as of XX/XX/XXXX, stating that I had 30-day late payment ( s ). I have printed out and attached Experian Reports from dates XX/XX/XXXX, XXXX XX/XX/XXXX, where you will see when this occurred. I have also attached an Experian Report that shows the last date this 30-day payment was showing on my report was XX/XX/XXXX. I have spoken to XXXX XXXX and Experian several times concerning this matter and it still is not corrected. This inaccuracy has only happened on Experian. This is not being indicated nor has it been indicated in either of my other reports ( XXXX ) . This is causing serious harm to me and my ability to obtain credit/loans for my business. On the attachment below titled XXXX, you will see at the top of page 2 where it says Payment History 99 % ... due to the misinformation that you all keep reporting. I HAVE NO DERAGATORY REMARKS ON MY CREDIT REPORTS besides this 30-day late payment that you are reporting inaccurately. I also took the time to attach MY FICO report that is clearly stating for the Experian portion that I DO NOT HAVE ANY LATE PAYMENTS WITH A 100 % PAYMENT RATING. Respectfully, please remove this inaccuracy from my Experian Credit report immediately. This has been reporting inaccurately for 4 consecutive months now and is causing severe issues for my financial well-being and my business. 
XXXX XXXX  Account # : XXXX Attachments : Experian Part XXXX ( XX/XX/XXXX, XXXX XXXX ) Experian Part XXXX ( XX/XX/XXXX, XXXX XX/XX/XXXX ) My Fico XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITOL ONE refused to provide information concerning identity theft credit fraud ignoring fact act disclosure laws. i provided police reports, notrized ftc reports proof of id letters from XXXX snd a copy of fact act law disclosure and letter requesting specific infotmation. i wrote and called i was given false addresses put on hold for two hours, i tried for three months i have had no response. 
capitol one credit card refuses to provide any information to help identify the fraud and the identity theft.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : US DEPT ED XXXX Balance {$3700.00} US DEPT ED XXXX Balance {$2600.00} US DEPT ED XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX Balance {$4100.00} XXXX XXXX XXXX XXXX Balance {$7800.00} US DEPT ED XXXX Balance {$2600.00} US DEPT ED XXXX Balance {$5300.00} XXXX XXXX XXXX XXXX Balance {$510.00} XXXX XXXX XXXX XXXX Balance {$530.00} XXXX XXXX XXXX XXXX Balance {$530.00} XXXX XXXX XXXX XXXX Balance {$530.00}
Product: Debt collection

Judge XXXX is leaving a court hearing open for the XX/XX/2017 on calender when I spoke to XXXX court clerk and said it was dismissed twice, however there are cases where they leave this open and steal your property at auction. She has committed treason in open court twice in case. I asked the Court clerk to have it removed and said it was n't necessary. She has no contract. 
There come to find out was no loan, and forged security instrument non-disclosure lending people back their own Trust Money of the fraud B.C. bond however there is a fund in which they steal from on XXXX derivative market XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, " Self Lender, INC '' and " XXXX XXXXXXXX XXXX XXXX '' has both violated my rights. 

Under the 15 USC 1681 Section 602 ; it states I have the right to privacy.

15 USC 1681 SECTION 604a Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Late Payments on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear Experian Representatives, I am writing to formally dispute the accuracy of certain late payments listed on my credit report. In accordance with 15 U.S.C. 1681c ( a ), under the Fair Credit Reporting Act ( FCRA ), I am requesting that these late payment entries be removed or corrected as they may no longer be valid according to the law.

Legal Bas

is : 15 U.S.C. 1681c ( a ) Time Limitations on Reporting of Certain Information According to the law : 15 U.S.C. 1681c ( a ) Information excluded from consumer report.

( 1 ) In general. A consumer reporting agency may not make any consumer report containing any of the following information : ( A ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( B ) Any other adverse item of information ( other than a judgment ) which antedates the report by more than seven years.

This provision of the Fair Credit Reporting Act mandates that late payments and other negative information must be removed from a consumers credit report after seven years. Therefore, any late payments on my credit report that are older than this time period should no longer appear, and I respectfully request their removal.

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe.

Thank you for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

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

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 look at my trans union credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow the reasonable procedure to assure maximum possible accuracy of the information concerning that individual about home report relates according to 15 USC 1681 ( e ) ( b ).
Product: Student loan

I have been struggling to pay my private loans for almost two decades. I attended a predatory, for-profit school : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Minnesota. I was pressured to apply quickly and taken advantage of at a very young age. I attended this school from XXXX to XXXX. 

A XXXX representative told me in XX/XX/XXXX that my loans " qualified for misconduct discharge, '' and I was sent a school misconduct application on XX/XX/XXXX. 

I spent weeks completing the application, gathering documents, and finally submitted it on XX/XX/XXXX. I compiled over XXXX pages of evidence and spent hours explaining how the school preyed on me, gave no assistance in post-graduation job securement and provided me with predatory loans. 

On XX/XX/XXXX, after XXXX transferred my loans to Mohela, I received a notice in my loan inbox that my misconduct application had been denied. There is no detail on why I was denied or what my application was missing. It is unclear what they are looking for regarding filling out the application, as applications appear to be accepted randomly, but most are rejected. I was told my loans " met the required code for discharge, '' which is why they sent me the discharge application in the first place. 

I need to file another school misconduct discharge application and need a clear explanation for why I was rejected. The response was vague, with no detail on the denial or the process.
Product: Vehicle loan or lease

I was abroad between XX/XX/XXXX and XX/XX/XXXX. After I returned to the US in XX/XX/XXXX, I found out from my XXXX credit report that around XX/XX/XXXX more than 10 hard inquires were placed and 4 accounts ( 3 credit cards and an auto loan ) were opened in my name. Clearly this was not a simple mistake but an identity theft crime. 

I immediately disputed these activities and provided the necessary documentation which prove that I was not in the US when these accounts were opened. I also filed a complaint to FTC ( Federal Trade Commission ) and to local police in my town. 

Despite all these efforts, the CAPITAL ONE AUTO FINANCE rejected my fraud claim about the car loan which was opened in XX/XX/XXXX. This affects my life very badly because of the damage done to my credit history.
Product: Credit reporting or other personal consumer reports

XXXX, which I've been in good standing with for years sent me a bill in XXXX to my correct address and I paid the bill. I never heard from them again. 
I guess XXXX XXXX took over for XXXX cards and I have called them 7 times with no response and hard to understand agents. They put you on hold and 3-5 minutes come back, goes on and on until they give you to someone else. Same with XXXX. 
Since XXXX XXXX took over for XXXX the store told me one day when I went into shop while checking out that my old card wasn't good anymore, that I was sent out a new card. 
I never received the card. I got sale ads online and in the mail from XXXX. Tried again to use the card before XXXX, but still, the same speech from the agent that I got a new card and have to use it. They said you don't have to activate it? OK??? 
Now I get a report that I was delinquent on the XXXX XXXX XXXX which I didn't know XXXX went to XXXX  XXXX until yesterday!!! I was shocked!! Perused the issue with XXXX XXXX and they don't have the card number either because the account was closed by XXXX XXXX and my credit went down like XXXX points. Alarming for me and my history. 
{$130.00} was due I was told by my report, but I had no notifications and can not get the proper account number that was issued to me. It was during the beginning of the transaction period and they will be switched over to XXXX XXXX by the end of XXXX I was told today by XXXX. XXXX told me I must of got caught in the transaction when they first started switching. XXXX didn't even give XXXX XXXX my new address, or they went somewhere else. 
I DID NOT GET THE CARD AND DID NOT GET A BILL FOR ANY CHARGES OR I WOULD HAVE TAKEN CARE OF IT A LONG TIME AGAIN AND NIPPED IN IN THE BUD! 
Thank you for listening and hopefully I can get this off my credit. You can see from my history that I pay my bills. I own my home and vehicle and {$130.00} is nothing to me, but when someone else ruins my credit with a company changing over cards and payment banks and can't get it together better than this, this is sin!!!
Product: Credit card or prepaid card

I have been denied 5 online purchases over the past 3 days ( XX/XX/2021 to XX/XX/2021 ) even though funds are available in my direct express debit card account. Calling customer service has not resolved the situation. They tell me I am not allowed to make but a certain number of purchases in a given time period. I rely on online purchases because I have no car and am retired and live in a remote area. I order mostly from XXXX because they deliver directly to my apartment. Makes no sense I can't use money in my account to buy things I need. Really don't understand why the goverment uses such a poor company to handle the funds of individuals on social security. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pull my credit and i noticed a few collections on my credit with banks that i have nver did business with. i did not authorized any of these account on my credit report. I called XXXX, XXXX and Equifax to inform them and i was told to send a identity theft report. None of these accounts and credit inquires listed are related to any transactions done by myself.
Product: Student loan

My student loans are handled by MOHELA. 

On XX/XX/XXXX, I applied to be a part of the XXXX plan. MOHELA informed me that they had paused processing applications. 

On XX/XX/XXXX I was placed on processing forbearance by MOHELA, with interests in all loans continuing to accrue. 

Throughout this time, I had called MOHELA approximately XXXX times, often waiting on hold for over XXXX hours to address various issues. 

On XX/XX/XXXX I called MOHELA to inquire about the Department of Educations XX/XX/XXXX instructions regarding treatment of such loans. Under these guidelines, " Processing forbearance will last no longer than 60 days, at which point a borrower may be placed into general forbearance under the terms described for that status. '' https : //www.ed.gov/higher-education/manage-your-loans/save-plan. " If the borrowers application is not processed by their servicer within 60 days, the borrower will be moved into a general forbearance that does not count toward PSLF or IDR until their application is processed. Interest will not accrue in this general forbearance. " After speaking with a representative about this issue, she agreed that I was in processing forbearance, but refused to comply with the Department of Education guidelines instructions to move me into " general forbearance. '' I requested to speak with a supervisor. The supervisor also agreed that I was in processing forbearance, and refused to provide an explanation about why I was not moved into general forbearance. Again, I pointed the supervisor to the clear mandate from the Department of Education. The supervisor informed me that they were not currently following those guidelines. 

To be clear, MOHELA has refused to comply with the guidelines of the Department of Education, instead choosing to continue to charge severe interest rates to a recent graduate. After speaking with the supervisor, it is clear MOHELA believes they are " above the law '' and are immune from any action regarding the movement of accounts into general forbearance.