23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I received a response XX/XX/year> from your company, where as you the alleged debt collector has presented account statements and a cardholder agreement without a signature, this does not constitute proper validation of the debt. The absence of a signed contract agreement with the consumer and the original creditor along with the missing debt assignment agreement with your company and the original creditor has raise questions about the validity of the debt. My concerns are if I the consumer request documents for transparency or if I have any doubts about its validity, I have the right to request this information from the debt collector. Account statements does not justify validation, card agreement with no signature does not justify validation. This means that the debt collector must provide evidence that the debt is valid and that they have the legal right to collect it. Based on the information provided, it appears that further validation of the debt is necessary. Consumers Right to Request Debt Assignment Agreement It would be within my consumers rights to request a debt assignment agreement from you the debt collector. A debt assignment agreement is a document that demonstrates how and when the debt was assigned or sold to the current collector. By requesting this agreement, the consumer seeks further evidence to validate the legitimacy of the debt and ensure that it is being pursued by an authorized party. Along with the ownership purchase agreement please provide the lawyers your company used to analyze the debt account referenced before the alleged debt account purchase.
Product: Student loan

My issues with the former XXXX XXXX-current Navient goes back to XXXX after I graduated. My repayments began in XXXX and I always paid on time through my online bill pay banking. In XXXX, I checked online and was shocked by all the late charges and extra interest notations. I counted 48 charges! I called and at first they were not sure what was going on but finally figured out that because I had 4 loans my payments were allocating each month to one loan, missing the other 3. Such a mess but they reassured me they would get it fixed and then reorganized my loans to take the payments correctly. While I had them on the phone I asked about the teacher loan forgiveness program and the PSLF and was given directions to access the applications/info online. It would have been nice if they had told me right then that I needed to convert my loans to qualify for the PSLF! In XXXX, I went ahead and completed the PSLF application as I thought I was around two years within the 120 payment requirement but like many, I was denied for having the wrong type of loans. I called Navient and they apologized and eagerly encouraged me to go ahead and convert my loans over anyway ( to a higher interest rate ) and just start the process over. I didnt do it as my payoff would be close to 10 years anyway so it wouldnt be worth it. I asked if there was anything else I could do or apply for and was told I could extend my loans or a forbarence. After all this I went back through my account history and they have still charged me random late fees when they have been paid on time! Anyone who has these guys, especially long term, need to go ALL the way back through their account history and check it carefully. Extreamly frustrated and disappointed with Navient.
Product: Debt collection

On XX/XX/XXXX I tried to apply for a paypal credit line. It said I was approved and to link the account. When I tried it said it was already linked to another account. I called PayPal credit who forwarded me to bill me later who in turn told me the account was closed as a charge off. I was confused about the debt and honestly didnt recall owing them any money especially when ive never received any notice. I took the third party debt collectors number the account number and the amount owed for my own record. The agent then told me that there were consistent payments and they stopped in XX/XX/XXXX and the account charged off in XX/XX/XXXX. 
I looked at PayPal credit terms and conditions and read through their policy book. They are not allowed to reinstate an account that is delinquent. My account legally is not delinquent because it was charged off and sent to a third party. Legally paypal credit can no longer use my social in connection to their company because it does not belong to them anymore and does not exist anymore and I legally am not considered to be in debt anymore. I spoke with a supervisor who refused to reset my account and delete the delinquent status so I may reapply. He also refused to give me the number to their corporate office and was very snippy. I informed him of his company 's policy and that they were in violation on their own terms and conditions in refusing to delete the nonexistent account and it was illegal. He gave me a fax number and p.o. box with no name and no contact point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts on my credit report that do not belong to me : XXXX/Dept Of ED - {$5700.00} BALANCE - XXXX - OPENED XX/XX/2018 XXXX/Dept Of ED - {$3600.00} BALANCE - XXXX - OPENED XX/XX/2018
Product: Credit card or prepaid card

On XX/XX/XXXX I stayed at XXXX XXXXXXXX XXXX XXXX by XXXX, a XXXX XXXX. The room cost was paid to XXXX XXXX. The XXXX XXXX made an error on XX/XX/XXXX and processed a charge of {$94.00}, and the XXXX XXXX immediately realized the error and reversed the charge. We were there and know the refund was contemporaneously processed by the Hotel. The transaction was processed on a Capital One credit card. 
Capital One immediately posted a charge of {$94.00} and has refused to acknowledge that a reversal of the charge was contemporaneously sent. It has been 5-days and Capital One has refused to acknowledge the receipt of the reversal and the charge remains posted to my account. I called the XXXX XXXX and they cooperatively provided documents showing they immediately corrected the error. 
I called Capital One, first a representative located in the XXXX answered and their understanding of XXXX led me to request a US based representative. That representative was reading from a script saying that refunds are processed differently, and they have no control, and the refund document is not acknowledged to the extent it is posted even after five business days. 
I spoke to a supervisor, Senior Account SupervisoXXXX XXXX- she would provide no additional ID information. While the Hotel issued contemporaneously a refund, Capital One is immediately recognizing a charge but delaying the recognition of the refund. Capital One established the refund process and it is designed to benefit Capital One in the recognition of charges that were in error and immediately reversed. 
Charges and charge reversals should be subject to the same time frame that governs posting of charges. Instead, there is a delay which is to the benefit of Capital One. 
There needs to be a banking regulation to restrict this behavior and limit the bank to equal time of recognition of charges and refunds. Moreover, Capital One claims never to have seen the refund, we have the documents, and they were sent at the same time. Capital One refuses to allow me to send them the documents.
Product: Student loan

Tried to refinance my student loan debt and was denied. We have a mortgage showing in our credit that is being paid off and the company will not allow us to prove that it was paid off. Additionally, they will not quote what the rate will be even though they have pulled credit. This is an unfair business practice.
Product: Credit reporting or other personal consumer reports

I asked XXXX for a copy of my consumer report, and to place a security freeze on my accounts. Instead of them doing so, as the FCRA required, they pretended they could not verify my identity although they had all the necessary information to do so. They even admitted they have been sharing my personal private information with third parties as well. How they are doing this if they dont know me, hey, maybe they can explain ( See attached )
Product: Credit reporting or other personal consumer reports

On XX/XX/ I sent a letter by certified mail to XXXX & Experian with a copy of my social security card, driver 's license & a utility bill proving to them that they have been incorrectly reporting my personal information. Also, there are incorrect phone numbers listed as well. The U.S. Postal Service showed that the mail was delivered and received by XXXX & Experian since it was sent by certified mail. XXXX is reporting my name as XXXX XXXX. However, my social security card & driver 's license reports my name as XXXX XXXX XXXX. XXXX is violating my rights. This is my only name so it should only be reported as XXXX XXXX XXXX. Also, my only phone number is XXXX. XXXX is reporting XXXX. XXXX is violating my rights since they are reporting incorrect information. Experian is also reporting my name as XXXX XXXX and XXXX XXXX XXXX. They are violating my rights since they are incorrectly reporting my personal information. I have only one name which is XXXX XXXX XXXX. Experian is also reporting incorrect phone numbers. I only have one phone number which is XXXX. Experian is reporting XXXX & XXXX. It has been 30 days and I have not received a response from either Credit Reporting Agency, so this is another violation.
Product: Debt collection

On XX/XX/2018, I sent a letter to XXXX XXXX in regards to an account that is reporting for {$3600.00}. I requested proof that the debt was indeed mine and that they had the legal right to collect from me. I haven't received any proof of contract that this account is mine, but it is still reporting negatively, which is affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested with this written notice that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. I included a copy of my credit report with the disputed information highlighted. The items are as follows : XXXX XXXX XXXX XXXX # XXXX Amount : {$10000.00} I have never received a debt collection letter from XXXX XXXX XXXX XXXX However, I have received a debt collection letter from a company called XXXX XXXX XXXX same address as XXXX XXXX XXXX who I believe is acting for XXXX XXXX. I received two debt collection letters from XXXX XXXX dated XXXX XXXX, XXXX and XXXX XXXX, XXXX for an alleged debt. I sent certified letters in response to XXXX XXXX dated XXXX XXXX, XXXX and XXXX XXXX, XXXX, requesting validation for the alleged debt. XXXX XXXX did not contact me again in any way or validate this alleged debt and XXXX XXXX continues to report it to the credit bureaus. Under the FDCPA, on receiving a debt validation letter, the collection agency must provide proper validation within a few days from the date they received the debt validation letter. If they fail to validate the debt within this time period and continue to report it to the credit bureaus they can be fined {$1000.00}. Under the FDCPA credit bureaus are legally bound to remove inaccurate debts that have not been legally validated. Please remove this item from my credit report as it has not been validated and the legal time limit for validation has passed by over a year. 

XXXX XXXX XXXX # XXXX Amount : {$610.00} I received a debt collection letter from XXXX XXXX XXXX XXXX, XXXX for an alleged debt. I sent a certified letter to XXXX XXXX XXXX XXXX, XXXX requesting validation for the alleged debt. XXXX did not contact me in any way or validate this alleged debt and XXXX continues to report it to the credit bureaus. Under the FDCPA, on receiving a debt validation letter, the collection agency must provide proper validation within a few days from the date they received the debt validation letter. If they fail to validate the debt within this time period and continue to report it to the credit bureaus they can be fined {$1000.00}. Under the FDCPA credit bureaus are legally bound to remove inaccurate debts that have not been legally validated. Please remove this item from my credit report as it has not been validated and the legal time limit for validation has passed by well over a year. 

I sent this information to all three credit bureaus - Equifax, XXXX and XXXX and they have done nothing.
Product: Debt collection

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me.

For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights. 
XXXX RESPONSE THAT IT IS NOT AT ALL LOGICAL ABOUT WHAT I AM ASKING FOR IN MY LETTERS.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being and I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, and they violated my rights several times with no repercussions. I demand the accounts listed below be removed because, According to the law which Equifax disregard, 15 USC 1681 I have the right to privacy and I did not give Equifax written permission which is required by law from the consumer to furnish any these accounts and they dont have permissible purposes to do so as stated in attachment. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was reviewing my credit report and noticed that this company has reported that I owe them money. I do not know who this company is and neither have I ever done business with them. I never received any communication from this company prior to placing this on my credit
Product: Money transfer, virtual currency, or money service

XX/XX/year>, I was told I would be a payee on a business loan from someone I met online. 
He said he had the loan with OneMain Financial. They requested I needed to open an account with OneMain to be a payee. I started sending money via cashapp as that is how they requested I send the money. 

I have continued to do this up until now. I have been in communication with judges, directors, officers, and now the XXXX XXXX 

I believe this is a loan scam as they are requesting the money immediately, they do not care if I dont have money in my bank accounts, they are requesting to be sent via XXXX & they are extremely aggressive at times. 

They also can not type texts or any documentation correctly. 

I have attached all the XXXX statements and the documentation letters I have received.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX  I received an alert from my credit monitoring service regarding fraudulent accounts and inquiries listed as " XXXX XXXX '', " XXXX XXXX XXXX' and " XXXX XXXX '', on my TransUnion consumer report. I quickly contacted the Federal Trade Commission and was directed to file an " Identity Theft Report '' about this recent Identity Fraud for which I am submitting this complaint.
Product: Credit reporting or other personal consumer reports

Hello, Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN I have sent certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking them to remove the unverified accounts listed here : ( XXXX XXXX XXXX  XXXX - {$XXXX} and XXXX XXXX XXXX XXXX - {$XXXX} ), that remain on my credit report in violation of 15 U.S.C. 1681. They are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of each of their re-investigations, they stated that they verified that these items are being reported correctly. 

Where are the documents that they used to verify these accounts? What is the name of the person in their company who verified these accounts? What documents did they use to verify them? I have asked them to provide me with the name of that individual, their business address, and telephone number. 

XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

This means that their company must be willing and able to produce a document in their files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and they must be able to do this in a court of law if I file a lawsuit against them. Someone in their company must authenticate the documents in their files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. 

As I am sure that they are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

They have ignored my requests to provided me with the documents that they have in their files that they used to verify the disputed accounts which means that they have NOT verified or they can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if they fail to comply with this Federal Law
Product: Credit reporting, credit repair services, or other personal consumer reports

I just tried to contact NCTUE and they gave me the runaround when I was only trying to Correct an email they potentially have on file. They, I believe have a spam/ closed box on record. This entity is just as difficult to deal with when trying to get any information. They do not have accurate data and therefore, I can not be verified. My address has been corrected but I still can't be verified. I 100 % believe, they have Erroneous data that is Not mine on record. I must utilize CFPB due to not being able to provide documents via mail or fax.I have already verified my identity with PII and all NCTUE needs to do is review my other complaints for the documentation.
Product: Money transfer, virtual currency, or money service

ISSUE 1 : PayPal Credit account was opened with several promotions that ran consecutively stating no fees or payments for 6 months each, and at the end of the promotion the interest rate would be applied to whatever balance remained, and your payment would be calculated. Numerous overpayments made when no payment was due on the account. Multiple payments were made in one month. When PayPal Collections was asked how overpayments are applied, they refused to provide an answer, but kept telling me I had an alleged balance that needed to be paid immediately. PayPal mailed credit statements that are different from the online activity statement, and is misleading and confusing to the consumer. I did not see the discrepancy until I did an audit of my account. <P/>ISSUE 2 : PayPal fraudulently removed overpayment amounts from my account by erroneously listing payments as Denied Balance Payment online. The alleged denied balance payments are not listed in the actual paper statement received from PayPal, and there are no Denied Payments on my bank statements. For example, on XX/XX/XXXX and XX/XX/XXXX paper statement mailed to my address there are no transactions listed, but on the online statement it states, XX/XX/XXXX - PayPal Credit Denied Balance Payment - {$260.00}. The other denied payment is listed online for XX/XX/XXXX, but is not listed on any of my bank statements or the paper statements provided by PayPal. The following ( based on PayPal records and statements from XX/XX/XXXX through XX/XX/XXXX ), is the total breakdown by year : XX/XX/XXXX Forward balance in a promotional period was {$480.00} Promotional Purchases from XX/XX/XXXX : {$510.00} ( Total w/ balance : {$1000.00} ) - Payments from XX/XX/XXXX - XX/XX/XXXX : {$540.00} - Refunds from XX/XX/XXXX - XX/XX/XXXX : {$170.00} Total Payments & Refunds : {$720.00} Promotional Purchases from XX/XX/XXXX - XX/XX/XXXX : {$1000.00} - Payments from XX/XX/XXXX - XX/XX/XXXX: {$1900.00} - Refunds from XX/XX/XXXX - XX/XX/XXXX : XXXX Total Payments & Refunds : {$2800.00} XX/XX/XXXX - Forward CREDIT : {$1500.00} - Purchases from XX/XX/XXXX - XX/XX/XXXX : {$700.00} - Payments from XX/XX/XXXX - XX/XX/XXXX : {$760.00} - Refunds from XX/XX/XXXX - XX/XX/XXXX : {$160.00} TOTAL APPROX. CREDIT AVAILABLE :  {$1700.00}