23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was contacted by Transworld Systems Inc. about a default student loan debt they are attempting to collect on for XXXX XXXX XXXX. My original loan amount was for {$11000.00} and they are claiming I have a balance of {$17000.00}. I asked what I need to do to dispute this debt amount and they would not share that information. I also asked the representative the date this debt went into default and the time-barr status, he refused multiple times to give me this information. After the representative asked how I intended to take care of this balance I informed him that I would not be making any activity on this account until they verified this debt by sending me the appropriate documents through the mail. I provided him with my address where they can send me the documents and 18 days have passed, I have received nothing. He also asked me what my annual income was and wanted the address of my employer, I told him I was not comfortable sharing this information. I received another collection call a few days later with the same routine and I reminded them that they are required to mail me verification of the debt within 5 days. I told the representative that I did not want to receive any more calls until they mail me verification of the debt. They have called 2 more times since then, but I declined to answer the phone. They have ignored my requests for documents and refused to share information on the account with me multiple times. I can not do business with or make payments with a collection agency who conducts themselves this way.
Product: Credit card

Purchased tickets on XXXX  with a cashapp card. Concert was canceled, when refund time came around I had canceled my original method of payment card. Cashapp now refuses to give me my money back. Note, this was done by a XXXX  ( my daughter ) and they wont speak to me regarding the matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of specific information in my ( Company Name ) report, which I believe to be erroneous. Under the Fair Credit Reporting Act, I have the right to request that you investigate and correct any inaccurate or incomplete information. 

The details of the inaccurate  information in my report are as follows : ( Inaccuracy # 1 ) : XXXX  XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$340.00} This is account is incorrectly reporting that I have XXXX late payments on Experian, XXXX reports XXXX late payments and XXXX reports XXXX late payments. 
( Inaccuracy # XXXX ) : XXXX  XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$800.00} This is account is incorrectly reporting that I have 5 late payments on Experian, XXXX reports XXXX late payments and XXXX reports XXXX late payments. 

Please rectify or delete the aforementioned inaccuracies from my report without delay. The FCRA mandates that you investigate and respond to me within 30 days of receiving this letter. 
Upon making the necessary changes to my report, furnish me with written confirmation. Your immediate attention to this issue is mandatory. This letter is sent on my behalf, and I have included a copy of my identification for verification purposes.
Product: Money transfer, virtual currency, or money service

I currently have cryptocurrency being held by Gemini Trust Company LLC in my " Gemini XXXX '' account. The amount is around {$100.00} at today 's prices. Gemini has frozen withdrawals from these accounts for over a month now. There is no timeline on when I can expect the funds to be released back to me. 

At this point Gemini is committing fraud and has outright stolen their customer 's money. Their business should be shut down so that they can not continue to steal customer 's deposits like they have from me and thousands of other Americans like me. Gemini should be forced into bankruptcy if they can not make their customers whole. This charade has gone on long enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is violating the Fair Credit Reporting Act. According to the FCRA, a consumer report shall not contain information solely as to transactions or experiences between the consumer and the person making the report nor shall it show any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The following accounts and balances shall be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, a scammer contacted me posing as a Fraud agent from Wells Fargo. At first I received a text message, telling me I had a XXXX charge, if I didn't authorize to respond yes or no. I replied no. And immediately I received a call from what I thought was Wells Fargo, the number appeared as Wells Fargo in my phone. I talked to what I thought was an agent. From there, I was decieved. Next thing you know I realized it was fishy, I called the bank after XXXX had been taken from my account. Through XXXX scam. I called wells Fargo and they open a claim only to tell me I authorized the payment and was not going to get my money back. 

I have several witnesses that also believe it was a three way transfer. The person posed as XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theyre reported this account 180 days past due and that is incorrect. It also still shows as owed and owing a balance which is incorrect. I also do not remember to agreeing to them reporting to the credit bureaus. This is a buy now pay later app. Ive tried reaching out to them and its really hard to get in touch with anybody or to have things escalated.
Product: Debt collection

Upon receiving my credit report I noticed several discrepancies, A collection agency Named XXXX XXXX was on the report with a XXXX debt. I immediately contacted all 3 Credit bureaus and started a dispute. It was after 3 attempts that it was taken off of my XXXX report and my XXXX   report, but not my XXXX report. I contacted XXXX  again and asked for all documents that was provided to verify this debt. I was told by a representative that, and I quote .They rely on the creditor to investigate, and if they say I owe a million dollars, then thats what i owe. Can you you imagine being told that from people who are in charge of you credit? No proof has been sent to me at all. They end result was, verified without any proof sent to me, and it was updated on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted equifax around XXXX-XXXX-2017about my inquiries and my name and updating my phone number and I told them that my inquiries all of them were not mines and I did n't applied for credit in the past and they did there investigation and my name is wrong to and they are unable to update my phone number and remove my inquiries and did n't update my name or my number
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts from my credit report as I am a victim of a data breach. As per 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these fraudulent accounts be removed from my credit file immediately to prevent further damage to my credit standing. 
Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$38000.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$5400.00} XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX - XXXX - XX/XX/XXXX - {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$66000.00} XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$25000.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX XXXX {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX OF XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to be blocked and deleted : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Request for Information on Bankruptcy Verification Methods I am writing to you regarding the bankruptcy listed on my credit report. I would like to know the specific methods you used to obtain and verify this information. 

It is important to clarify that I am not disputing the existence of this bankruptcy on my credit report. I simply wish to understand the procedures and sources used to include this information in my file. 

I would appreciate a detailed response explaining : The specific sources from which the bankruptcy information was obtained. 
The verification method used to confirm the accuracy of this information. 
Any entities or third parties involved in the process of collecting and verifying the data. 

Thank you in advance for your cooperation, and I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$40.00} ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report concerning my account XXXX XXXX XXXX account number XXXX After reviewing my credit report, I have found late payment and charged off entries that I are incorrect. 

XX/XX/2023 - reported 30 days late XX/XX/2023 - reported 30 days late XX/XX/2023 - reported 60 days late XX/XX/2023 - reported 90 days late Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy and completeness of the information you report. I request that you investigate this matter with the original creditor and update and correct my credit report to reflect the accurate payment history. 

Please provide me with a written confirmation of the outcome of your investigation. 
Thank you for your attention to this matter. I look forward to your timely resolution.
Product: Credit reporting or other personal consumer reports

The experian agency is allowing this debtor Affirm which is a online lending agency. Under the Fair Credit Reporting Act ( FCRA ), there are several potential violations related to your situation : Reporting Multiple Debts : If a creditor reports the same debt multiple times, it could be considered furnishing and reporting inaccurate information, which is a violation of the FCRA. This can negatively impact your credit score and misrepresent your financial situation. 
Harassment by Texting : Repeatedly texting you to collect a debt can be a violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits harassment or abuse by debt collectorsXXXX. This includes excessive communication or using threatening language. 
Credit Reporting Agencys Role : If a credit reporting agency allows the same debt to appear multiple times on your credit report, it may be failing to follow proper procedures for ensuring the accuracy of the information they report. This is also a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX has XXXX my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer. 

15 U.S.C 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 

15 U.S.C 1692 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Mortgage

On XX/XX/2024 I received a letter regarding denial of my application for modification from Select Portfolio Services , Inc. On XX/XX/2024 I requested again to be considered for other relief programs and stop the foreclosure ( date XX/XX/2024 ). I have submitted all requested documents such as taxes, incomes, bank accounts with my application.
Product: Checking or savings account

I opened the BMO Smart Advantage account on XX/XX/2023 and met the new account bonus as they advertised {$400.00}. And I continued to deposit my salary to this account, and then I contacted them about this, they told me I qualify the bonus but it will deposit to my account after XX/XX/XXXX. And then I was interested in their relationship checking, so I upgraded to relationship checking. And contacted them again, as XX/XX/XXXX passed, I didn't received the bonus. BMO replied that I did not meet the requirement.
Product: Credit reporting

Several times I disputed this account with nothing updated. My auto loan with XXXX is being paid as agreed. I have attached payment history and my account is current. Please help assist me.
Product: Student loan

I was initially set up for a payment plan even though I notified Navient that I was unemployed and still attending XXXX school full-time. My husband has paid the payments on the payment plan going on for two years. The plan they have me on increases amounts each time the program ends, and I have to reapply for the plan. It was conveyed that my payments were due on the XXXX, even though I was told I could make the payments by the XXXX of each month. I submitted a new application for the payment arrangement, and when I called to make sure my request been received, I was told yes. However, the problem hasn't been offered now and to call back XX/XX/2020 to see if there are any payment programs I'm eligible for. Navient has reported late pay 's to my account that was in good standing, and I have had to file a report with my credit bureau to get their mistakes removed from my credit report. I'm not trying to pay for my loans, however, I'm not working at the moment, and I can't seem to get any help with an income reduction plan where the payments aren't continually increasing on a payment plan. When I applied for the private loans, I was told that I couldn't get the loan in one lump sum. It had to be two separate loans. But that once I started paying the loans, they could be consolidated into one loan. However, SallyMae was fraudulent with this information, and my credit was sold to Navient. The school that the loans were taken out for was XXXX XXXX College in XXXX, Ohio, which has been shut down. I'm seeking a resolution to this nightmare and getting this resolved. Every time I contact Navient, I get different information from their loan operators, and I'm not trying to go into default with my student loans.
Product: Credit card

XXXX XXXX, XXXX Invoice received from my XXXX XXXX XXXX Service showing a charge of : {$90.00} and {$11.00} for CREDIT CARD FEE ASSESSED This is not a problem with my XXXX service, it is with the fee that Chase charged them to process my purchase. 
Chase Bank.comXXXX You have my name and contact information. 

As you probably are aware : " In XXXX, credit card companies in the U.S. earned {$120.00} XXXX from processing fees charged to merchants. The money they made from these fees increased at a faster rate than the actual money spent on purchases -- and recent reporting suggests that XXXX and XXXX intend to raise fees further in XXXX and early XXXX. '' ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I noticed XXXX hard inquiries and XXXX late payment that are not accurate. I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 
The inquiries : XXXX reported on XX/XX/XXXX XXXX reported on XX/XX/XXXX XXXX XXXX XXXXeported on XX/XX/XXXX XXXX reported on XX/XX/XXXX BK OF AMER reported on XX/XX/XXXX Late Payment : XXXX XXXX reported on XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Collection Bureau of America : Hasn't given me the opportunity to dispute this debt nor did they validate debt within 30 days. 

This isn't my account I have asked for proper validation of debt, I have asked for signed contract or copy of my drivers license. 

This company sent me a document with an incorrect address for me. 
I live in the XXXX XXXX  my address is XXXXXXXX XXXX XXXX XXXX CA XXXX this company finally sends me a statement after I requested 3 times, a statement from the original creditor it hadn't had my correct address... I live in a XXXX XXXX XXXX  with XXXX XXXX the address they had wasn't the XXXX XXXX  which is my studio I live in I have spoken with collection reps from this company, they are rude and refused to listen and investigate this matter. 
They stated this account was opened in XXXX, I let the rep know my wallet was lost and all my cards were replaced
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Payday loan, title loan, or personal loan

I made a purchase with XXXX online total amount {$260.00} charged using the Afterpay option. The items were later returned and a full refund {$200.00} was processed by XXXX, however Afterpay did not return my full return as they advertised and they have removed the order from transaction history so I could upload proof of this from their platform. Attached I have the returns processed by Afterpay that do not equate to the amount returned by XXXX. Refund all my funds to my form of payment and stop practicing unethically.
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek 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 : Complete payment history, as per the precedent set by XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor. 
Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company SANTANDER, XXXX XXXX XXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XX/XX/XXXX