23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

THE COMPANY NATIONAL CREDIT SYSTEMS HAS REPORTED A FALSE DEBT COLLECTION FOR A COMPANY CALLED XXXX XXXX XXXX, APARTMENT RENTAL COMMUNITY. THE LEASE CONTRACT THEY HAVE HAS A DIFFERENT DATE OF BIRTH AND MINE ON THE LEASE AGREEMENT, DESPITE 2 CERTIFIED LETTERS SENT TO NATIONAL CREDIT SYSTEMS, THEY HAVE REFUSED TO REPLY OR DELETE THE FALSE ACCOUNT. FEDERAL LAW PROHIBITS INACCURATE REPORTING WITH WRONG INFORMATION TO BE REPORTED TO ANY CREDIT BUREAUS. NATIONAL CREDIT SYSTEMS HAS ABUSED AND HAS IGNORED ALL MY ATTEMPTS TO RESPONCE OR DELETE THIS COLLECTION THAT DOES NOT BELONG TO ME.
Product: Credit card or prepaid card

Goldman Sachs is repeatedly closing and ignoring my disputes and failed to resolve 3 transaction disputes on my account by incorrectly claiming that " my account already received a credit from the merchant for the disputed amount. This closure is without merit as Goldman Sachs appears to be mixing up to unrelated credits which were refunded to my account for 2 other separate transactions. In total I was to receive 7 credits from this merchant, as of today I only received 4 credits, with 3 still missing. During this process Goldman Sachs has already wasted almost a year and neglected this matter without an end.
Product: Debt collection

Jefferson capital systems Inc, attempting to collect a debt on behalf of XXXX XXXX XXXX. Amount " owed '' is {$560.00}. Account " opened '' XX/XX/2020. I never opened an account with this creditor, original creditor is " XXXX XXXX XXXX ''. I do not have any records of ever being an account owner with the original creditor. Would like to submit a complaint about both the collection agency and the original creditor. This is not a valid debt, therefore can not be collected. The collection agency needs to show proof of debt. If the debit is valid show me proof I was an account owner with the original creditor ( XXXXXXXX XXXX XXXX ) and have an outstanding debt please.
Product: Payday loan, title loan, or personal loan

I made a purchase using PayPal credit on XX/XX/XXXX. That digital product has 14 days money back guarantee policy. I requested my refund after 12 days of purchase on XX/XX/XXXX which was within the refund period. 

Even I send all proof documents that shows purchase date and refund request date very clearly PayPal still didnt issue the refund and gave my information to collection without my knowledge. They clearly dont follow the consumer rights and government laws. Because people have the right to change their buying decisions within the refund period. And thats exactly what I did. So, they should issue the refund and follow the laws instead of taking action against the laws.
Product: Credit reporting or other personal consumer reports

As a Federally protected Consumer I am opting out of any and all authorization I the consumer may have given whether written or verbal or implied per title 15 USC 6802 and the Privacy Act of 1974. I called the number provided by Destiny 's website for their privacy policy. Requested to opt out of Destiny/ Concord Credit sharing my non public info. The representative I spoke with whose name is XXXX XXXX XXXX XXXX told me there was no opt out option available. This interaction took place XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need you to investigate the following account Account # XXXX Account Name : XXXX XXXX I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported Once you have finished your investigations, send me an updated credit report to the address stated above, Thank you.
Product: Debt collection

To Whom It May Concern : I am writing to formally dispute the alleged debt referenced in your recent communication. Pursuant to 15 U.S.C. 1692g, I request validation of the debt. Specifically, please provide the following : 1. The name, address, and contact information of the original creditor. 2. A detailed breakdown of the debt amount, including the principal, interest, fees, and any payments made.

3. Documentation of the chain of assignment, showing all transfers of the debt from the original creditor to your company. This should include : Copies of all agreements, bills of sale, or other documents evidencing the transfer of ownership.

Proof that my specific account is included in the transfer ( s ).

4. A copy of the forward flow agreement or relevant portions thereof, demonstrating your right to collect this debt, and whether it includes my specific account.

Please note that until this information is provided, I do not recognize or acknowledge this debt. I request that you cease all collection efforts, as required by law, until proper validation has been completed.

This request ensures that the debt collector is held to a high standard of proof, increasing the likelihood that only legitimate debts are pursued. 

DO NOT SEND ME NO STATEMENTS! SEND ME THE ABOVE MENTION. IF NOT, DELETE IMMEDIATELY!! 

XXXX XX/XX/1973 XXXX XXXX
Product: Mortgage

On XX/XX/23 I sent a money order via mail, I buy a tracking number, in the amount of {$350.00}, to a po box provided by them when I called. 
I tracked the mail and they received the money order on XX/XX/23 and cashed. 
I called explain the situation and they refer me to send email to the research department, I did it, they mentioned they need the need proof of, I include pictures of the money order back and front, they respond to me stating that they received a payment made over the phone on XX/XX/23 ( like nothing to do with the request in regards to the missing payment ). 
I send 3rd email explaining everything again and include ALL DOCUMENTATION again and they respond to me stating the need the back and front of the money order when is been sent more than 3 times so I need help please because I dont want loose my money. Thank you
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

InIn accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 



Account Name : // Account # XXXX  XXXX XXXX XXXXXXXX Account Name : // Account # XXXX XXXX  XXXX Account Name : // Account # XXXX XXXX XXXX  XXXX XXXX Account Name : // Account # XXXX XXXX XXXX XXXX social XXXX Account Name : //Account # XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : //Account # XXXX XXXX user social XXXX Account Name : //Account # XXXX XXXX XXXX XXXX Account Name : //Account # XXXX XXXX XXXX Account Name : //Account # XXXX XXXX XXXX Account Name : //Account # XXXX XXXX XXXX XXXXXXXX XXXX Account Name : //Account # XXXX XXXX XXXXXXXX XXXX Account Name : //Account # XXXX XXXX XXXXXXXX XXXX Account Name XXXX XXXXAccount # XXXX XXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXX XXXX Account Name : //Account # XXXX XXXX XXXX XXXXXXXX Account Name : //Account # XXXX  XXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXX  XXXX Account Name : //Account # XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXX XXXX n/a XXXX Account Name : //Account # XXXX  XXXX XXXX XXXX XXXXXXXX Account Name : //Account # XXXX XXXX XXXX  XXXX Account Name : //Account # XXXX XXXX XXXXXXXX XXXX XXXX Account Name : //Account # XXXX lXXXX XXXX XXXX XXXX  XXXX All Acccounts Have Violated My Rights 15 U.S.C . 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Debt collection

DEBT VALIDATION LETTER XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX Date : XX/XX/year> To Whom it May Concern : This letter is being sent to you in response to a notice sent to me on XXXXXX/XX/year> regarding account # XXXX. 

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sincerely, XXXX XXXX ( Debtor Signature ) XXXX XXXX ( Debtor Printed Name )
Product: Credit reporting or other personal consumer reports

I submitted paperwork according to the FCRA to remove fraudulent accounts from my credit report. The FTC report and other paperwork is not being attached to my disputes properly according to the FCRA. I am not getting copies of the verification process which is a violation of the FCRA These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2017 a deposit was made in my Capital One 360 checking account. The deposit was a mobile deposit by my brother in law. It was a personal check paid to him for services rendered in the amount of {$750.00}. This account also gives the ability to link other accounts so that I can manage multiple accounts including non capital one accts, in one place. After 2 or 3 days a hold was placed on my account as well as all the accounts linked to this acct. All funds in all accounts were frozen. I was ordered to call a number and was eventually routed to the fraud department. I explained as well as I could the circumstances surrounding the deposit. The agent asked that I have my brother in law call. According to my brother in law, he called spoke briefly about where the check had come from and their hesitancy to clear it. My brother offered for the return of the check so he could cash in bank.They stopped talking to him when it was learned that he wasn't primary acct. holder. To this date, almost 4 months later the deposit is held and accts haven't been released.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FAMISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION YALL HAVE Violate my rights so the account I'm referring to is Flagship credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Elevate Recoveries LLC is yet another collections agency contacting me in regards to a debt not verified or owed to me. They were sold my contact information illegally and keep calling me from various spam numbers harassing me. Under the FRCA, they must present a verifiable signature that such an account and balance is owed. If not, they much remove the item reported from all credit bureaus. Elevate Recoveries LLC has only started to report illegally to the credit bureaus in XX/XX/XXXXXXXX  for the amount of {$1200.00}. Which was also reported to CFPB in XXXX  under a different entity for a non-existent medical bill.
Product: Debt collection

I received a bill from American Coradius International ( ACI ) in the mail a couple weeks ago for {$45.00} ( but said they were willing to settle for {$34.00} ) to collect a debt on my XXXX account. I called XXXX, and they said I have a long history of being in good standing with them, and that I owe nothing. Furthermore, they said if I did have a debt, they would use my email address for communication, and not send anything to a 3rd party debt collector. They told me the letter I received was fraudulent and to  disregard it. I have already filed a claim with the XXXX  as well. There are hundreds of fraud/ phishing complaints about ACI on the internet, and I am curious if they are true.
Product: Debt collection

I have continuously contacted this debt collector to have this account ( that I am unfamilar with ) removed from my credit report due to lack of validation. I do not have any obligation to pay this company any sum of money.
Product: Credit reporting or other personal consumer reports

I recently applied for an auto loan and was told that XXXX is reporting 3 loan amounts. I had two parent plus loan consolidated into a direct loan. XXXX completed XX/XX/scrub>XXXX XXXX is still listing the two previous parent plus loans as active instead of paid/closed. This has affected my credit score for over 5 months and it is unjust and unfair that this mishap is the result of XXXX moving to a new platform and not reporting correcty. I am very concerned. I have called XXXX to have this rectified and was told they will reach out to the 3 reporting credit bureaus. They also asked me to reach out and I feel that it is their responsibility to correct this. Meanwhile, I have a tanked XXXX score and unable to obtain a reasonable interest rate loan to buy a vehicle.my scores need to reflect my good faith XXXX percent payments made on time for everything and show that my debt to income ratio is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my credit from Capital One ( date : XX/XX/22 ) for an unspecified credit line. I did not apply for any credit product through Capital One or any other lender and this is either fraud or an unauthorized credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information needs to be removed from my credit report immediately : 1. Identity Theft XXXX  CARD Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

10. The status is incorrect for the following account XXXX/XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

11. The status is incorrect for the following account XXXX XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

12. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I have a police report of stolen identity and have been frauded off and on for over 5 years
Product: Credit reporting

hard inquiry I have XXXX inquiry on my report with the same company XXXX XXXX auto I would like them to be taking off if possible
Product: Student loan

I was pressured into student loans by XXXX for a for profit school that is no longer in business. I was XXXX at the time of the initial conversation. My step father consigned. The loan was initially for XXXX dollars, and 12 years and XXXX dollars later the amount due is at XXXX dollars. The education I received from this loan has not benefitted me at a single point in my life and making payments on the loan have caused me to make decisions in life I would have not made should the loan not never existed, and I blame my XXXX on this financial burden. XXXX has robbed me of my livelihood and continue to rob me of the money I work for to this day. These loans have also caused serious tension between my parents and I due to my inability to pay at times. They do nothing to help except offer forbearance. And they only ever day " these are the terms that were agreed to ''. This company has successfully crippled an entire generation.
Product: Mortgage

Due to the pandemic my husband experienced financial difficulties and we started paying our mortgage and we became delinquent. We were only offered a deferment or forbearance plan and we requested a modification several times. We were assessed late fees and other charges while being in forbearance and they have done that in the past with my mortgage account. Shellpoint has also improperly reported my credit standing which prevented me from refinancing my mortgage loan. Shellpoint has violated RESPA, FDCPA and FCRA at my expense.
Product: Student loan

Promise of job after school and I haven't been able to make a payment to loan. Nor get forgiveness
Product: Credit reporting, credit repair services, or other personal consumer reports

i been communicated via letter, via phone with experience, i must send 10 letter and over 10 calls, which you get a XXXX, XXXX operators, never one here in teh us, disputing errors on my credit report, letter after they do nothing, they are fraudulent, hurting my changes of getting a home. I am a responsible citizen, that works pay her taxes and bills on time, this comapny intentionally is not reacting to my claims
Product: Mortgage

On XX/XX/2022, I paid Amerisave Mortgage Corporation {$550.00} ( see credit card statement attached ) to lock in a mortgage rate of 3.75 % for 90 days, until XX/XX/2022. I came under contract for a house on XX/XX/2022 but the agreement was mutually canceled on XX/XX/2022 because the appraisal came in significantly under the contract price. Now Amerisave is telling me that my mortgage rate of 3.75 % can not be applied to any other properties, because they had attached the address of the property from the canceled contract to my application, and now the application can only be accepted with that property or canceled. They will not allow the application to be updated with a new address. However, as you can see in the attached signed agreement, the agreement was not made with respect to a specific address. The agreement was made prior to coming under contract with the house now listed on my application. There is no language saying that once an address is attached to my application that the rate lock can only apply to that address nor was that communicated to me verbally. On XX/XX/2022, they quoted me a rate of 5.375 %. We made an offer on a house on XX/XX/XXXX for {$570000.00}, if accepted, this increase in mortgage rate will result in approximately an additional {$150000.00} in payments ( after 20 % down payment ).