23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date of Birth : XX/XX/XXXX Current and Only Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, GA XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Dear Sir/Madam, I, XXXX XXXX XXXX XXXX : XXXX ), am formally submitting this letter to dispute the account below as it does not belong to me. I have no knowledge of this debt, and I did not authorize this account to be reported on my credit report. 

Despite multiple previous attempts to resolve this matter, I have yet to receive any communication or validation of this account from the credit reporting agencies or the collection agency in question. Therefore, I am demanding immediate deletion of this inaccurate account from my credit report. 

Account Information : Creditor : XXXX XXXX XXXX XXXX Original Creditor : Crest Financial Account Number : XXXX Account Type : Collection Balance : {$1100.00} Date Opened : XX/XX/XXXX Date Last Reported : XX/XX/XXXX Payment Status : Collection/Chargeoff I am requesting a full validation of this account under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( 15 U.S.C. 1692g ), which requires you to provide me with validation of this debt within 30 days. If you can not provide valid proof, this account must be permanently deleted from my credit report. 

Additionally, under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I am demanding that this account be thoroughly investigated. Since I do not have any debt with the original creditor, XXXX XXXX, the presence of this account is a clear violation of my rights under the FCRA, which protects consumers against the reporting of inaccurate or unverifiable information. 

Please confirm receipt of this letter and provide documentation proving the existence and ownership of this debt. If no valid proof is provided, the law mandates the immediate removal of this account from my credit reports with all credit bureaus. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX
Product: Credit card or prepaid card

I made ( 2 ) separate purchases on this card. One was XX/XX/2022 for {$870.00} for a XXXX XXXX. The merchandise was delivered with extensive damage done to the box. I only discovered it about 10 days later when I moved the box and saw the damage. 
On approximately XX/XX/XXXX XXXX I notified the company that the items was delivered with extensive damage to the box it came in. I wanted to return it. First they said it would charge me $ XXXX then they apologized and said they would take it back for free. 
I filed a dispute with my credit card company- Wells Fargo . I have called them twice ( once per chat box ), and have emailed them pictures, etc. Today it is XX/XX/XXXX, XXXX I still have NO provisional credit for the charge- and I'm being charged interest on the entire balance including the disputed amount! I do not feel that is fair. I don't know if that's even legal but they're doing it. The other charge was for {$50.00} for a subscription that renewed automatically. I contacted the merchant to cancel my order- in fact I have sent 2 emails and they don't even respond. I also disputed that with Wells Fargo- and have NO provisional credit and am also being charged for the FULL finance charges.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Checking or savings account

My Daughter and I were interested in opening a checking account. She was XXXX at the time soon to turn XXXX in a few months. We saw that they had a promotion going on open a account and recieve XXXX dollars if terms were meet. I was instructed we should open a youth checking account, i was assured that it has the same promotional long as the terms were meet. I believe you needed a direct deposit deposited within 2 months. She fulfilled her obligations within 2 weeks. We never recieved the deposit. We gave it about 3 months then I called. I was assured it was okay. it was due to not having filled out a W9. we did that the gave it a few weeks called back in. I was assured it was okay, and instructed to.call back In a few days. So I did then I was told the youth doesn't get the promotion, to bad. I've called multiple times and gotten a hold of there member resolutions department. Sofar gotten now were even told no one is hire then them and to bad. XXXX even hung up on me.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation Dear Collection Recovery Services LLC, I am writing in response to your recent communication regarding the debt you claim I owe. I am requesting that you provide the following validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), Section 809. Please provide the following:1. The amount of the debt.2. The name of the original creditor.3. Documentation proving that I am legally obligated to pay this debt ( e.g., a copy of the signed agreement, statements, or other evidence ). 4. Veri<cation that you are authorized to collect this debt. Until I receive the requested information, I request that you cease any collection activities on this account. If you are unable to provide proper validation of the debt, I ask that you remove any negative reports from my credit history related to this debt. Please respond in writing to the above address within 30 days from the receipt of this letter. 

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

XX/XX/XXXX XXXX hard inquiry. I didn't apply for it XX/XX/XXXX Sallie Mae Bank hard inquiry not my account XX/XX/XXXX XXXX hard inquiry not my account XX/XX/XXXX XXXX hard inquiry not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name Is XXXX XXXX phone Number XXXX. I paid my Balance in full with Bannana Republic. On XX/XX/2020 I called syncronXXXX bank to payoff my loan with Banna republic. The Automated system quoyed me a balanced owed of XXXX amd it didnt state there would be addtionalnfees based on the close off the billing cycle. XXXX informed me on XX/XX/2020 that the account had a remaining accrued interest of XXXX. I askes him how the interest gets chaged and asked for clarification on the interest is determined. He refered me to the terms and conditions. Iblet him know they didnt have information on how the account accrues interest or how its calculated. He offered to send me to a customer service agent since he cpuldnt explain it. He also informed me my account gained interest on top of interest. They waived it but refused to help me removed the 60 day past due status on my accountm my credit dropped 34 points because of XXXX The system didnt inform me off. Can you please help me obtain clarification on how the account accrues interest and look into the accountbgaining interest on top of interest? Finally they closed my previous account due to the same reason. Im concerned it will happen again. They damaged my credit in the past and hurt my credit worthiness for this same scenariob. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  continues to report late payment on a charge off account which is violating my federal rights. Ive disputed item to request debt validation and never received any. I request XXXXXXXX XXXX XXXX  to prove I owe the debt in 30days or have it deleted as it is messing up my credit so bad. Attached a copy of credit report and how they really messing up credit. Transunion is doing nothing but keep reporting accuracy on the account. This is fraud to report closed account!!!
Product: Debt collection

a collection appeared on my credit report from XXXX XXXX XXXX. I contacted my attorney regarding the issue. He sent them a letter requesting documentation of the debt and received no reply. I have requested information via email and have received no response. 
I reached out to TransUnion and disputed the entry which they said the investigated and found it to be valid. I asked what evidence / documentation they received and they advised that they don't do that. Basically they ask the entity that posted the debt if it's correct, they said yes, end of story. 
This has be ongoing for over two years and I can not reach a closure and it's affecting my credit. 
There doesn't seem to be any recourse for the consumer. If XXXXXXXX XXXX  can provide documentation of the debt I'll take care of it. If they can not, they need to remove the entry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union will not address a item on my credit report. I have had a long battle with identity theft and having XXXX XXXX / debt collectors, XXXX XXXX to agree that these accounts are derogatory and listed as charge-offs from someone else using my account. I contacted XXXX XXXX already asking them why the account is still showing after we agreed that it shouldn't be because it is closed and the representative told me the request was sent to TransUnion to be removed and that was two weeks ago.
Product: Vehicle loan or lease

Nearing the end of my lease I returned my car early to a mercedes benz dealer. My agreement with the dealer was that I would pay the lease up to that point ( XX/XX/XXXX ) but not beyond. On XX/XX/XXXX I paid {$340.00} for the month of XX/XX/XXXX - XX/XX/XXXX. I turned over the car to the dealer on XX/XX/XXXX. I had overpaid my lease by 29 days. I requested a refund for the unused days, but the dealer told me to contact MBUSA financial services, who had received the overpayment and with whom I had a contract. 

Without my knowledge, MBUSA financial services  gave the dealer the wrong end of lease price, quoting it to XX/XX/XXXX instead of XX/XX/XXXX. I requested a refund from MBUSA financial services but they refused. The result was that I had no use of the vehicle for 29 days I had paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living, human being, I have rights under 15 USC 1681. 
Equifax is governed by 15 USC 1681. They violated my rights numerous times. I demand the accounts listed below be removed, because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

1. XXXX XXXX XXXXXXXX XXXX XXXX  ) for XXXX XXXX. I have been fighting this debt forever, as it is not even mine. 

2. XXXX XXXX XXXXXXXX ( for XXXX ) also in dispute. 

I was a victim of Equifax Data Breach in 2017 and believe accounts were opened in my name. These need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have been previously removed but keep reappearing on my credit report. The following companies have been removed from the report several different times but keep reappearing with old reporting dates.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   US Dept of Education   XXXX   XXXX   State Tax Lien   XXXX   XXXX
Product: Mortgage

I tried to send them a letter last XX/XX/2020. Telling them that what they are reporting is in direct violation of the FCRA that says they are responsible for reporting complete and accurate information in a timely manner. Tracking number : XXXX I never received any response from them and they did not update the credit report as disputed. 

JPMC HOME is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
Product: Credit card

I am writing in response to a dispute I initiated for XXXX XXXX for {$360.00}. I have already tried XXXX attempts trying to solve this dispute in my favor. I have been trying to get this charge resolved in my favor since XX/XX/XXXX with Goldman Sachs Bank. Even after all the facts and evidence that supports my claim in detail I keep getting denied erroneously. My dispute was for a plane ticket that I cancelled and never used and was misled by XXXX XXXX into purchasing in the first place. I want the Financial Protection Bureau to investigate credit card account management practices. Including how the bank resolved billing errors and how it refunds cardholders for disputes initiated. 
I have an Apple card with Goldman Sachs Bank as the official business handling the transactions. I believe Goldman Sachs consumer banking has had some issues with consumer banking since XXXX from reading newspaper articles. The consumer banking does not know how to handle the complaints generated by customers and in return try to pretend they are solving the disputes but reps just end up denying the claims. These types of issues have been reported by the XXXX XXXX XXXX on many articles as early as XX/XX/XXXX. These are serious issues that need to be addressed and investigated. Apparently, the bank did not invest enough money in consumer business department operations since XXXX and this has hurt their business and how to handle customer disputes according to The XXXX XXXX XXXX. Since XXXX the Federal Reserve found problems with the banks consumer business. The Federal Reserve was concerned that Goldman did not have proper monitoring and control systems put in place to handle disputes and enough staff to work on claims. As a result, reps have been overwhelmed with disputes and claims from consumers and have no other choice but to deny the claims even if the claims are valid with substantial evidence like in my case. The joint business with Goldman Sachs and XXXX has been reported as a nightmare by the news outlets and Apple wanting out of the deal by year XXXX. I thought that by having an Apple card was going to be a benefit for purchases but it has been a nightmare with many transactions been denied by the Goldman Sachs Bank from damaged merchandise, cancelled purchases and so on. These problems continue. I want Goldman to resolve my disputes in my favor and admit wrongdoing and to reevaluate their business practices and operations so the burden does not fall on the customers like myself. 
Thank you in advance for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. 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 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

I sent in documents to substantiate that I was a XXXX  trafficking victim Experian refused to accept the XXXX that made my determination and asked that I have another XXXX make my determination so I had a Tribal government interview me and the same determination was made that I am a XXXX  Trafficking victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt collection company XXXX XXXX has been settled. Before it was turned over, it was with a credit card company with which I paid medical bills. By the debt originally being medical bills, I feel it should be removed. Also, the date of removal is incorrect. It should be 2018 which would mean it should be removed.
Product: Mortgage

I refinanced my mortgage XX/XX/XXXX. On XX/XX/XXXX, a scheduled autopayment was drafted from my account to Dovenmuehle, the mortgage company for the old mortgage that had just been paid off, in the amount of {$1300.00}. I immediately called Dovenmuehle to get the money refunded and was told it would take 7 to 10 business days to process. The check never arrived. I called back after 10 days and was told it would take 7 to 10 business day to mail after the processing time. After that time passed, I called back and was told they need to reissue the check but could not do it until a month had passed. I called back after the month deadline and was told they would reissue the check but I needed to wait 7 to 10 business days for processing. I called several times during processing to make sure it was still being processed and was told it was. I waited for the check, which never arrived. I called back and was told there was some mistake on their end as to why the check did not process. I went through this cycle again. And again. This cycle continues until today. I have dates of calls, names of who I talked to, and what was told to me. I just want the money back that is due me, but Dovenmuehle will not send it back and continues to make excuses as to why they can not get a simple refund check to me for this overpayment. They acknowledge there was an overpayment but will not send me the money. In the process of my calls I explain that I have received the escrow refund, I am looking for the overpayment refund. I tell them the amount and the date it was drafted out of my account. All of that is verified on my calls to them. But I continue to get excuses that the people did not understand what it was that I wanted refunded. It has been four months that Dovenmuehle has held my money, money that is not theirs. My recent communication with them was over two weeks ago where they took my phone number and email and were going to contact me within 3 to 5 days. That time period has come and gone, and I have not heard from them. And no check has arrived.
Product: Student loan

I consolidated my loans several years ago after threats because I could n't pay my loans. I have been paying for years, first XXXX then Navient. I recently requested a breakdown of my debt. On the national student loan database, there are loans I can not account for and wanted to know where they came from. Navient directed me to student loans.gov, who told me my serviced ( Navient ) should have my paperwork to verify my loans. Repeated requests to provide that have gone unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX and Equifax to reinvestigate these accounts : Account name : Department of Education DPT EDXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX However XXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. Also according to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

They are plenty accounts that they have no fix ; but these two have been abused being modified and updated to verified. That is a lie. I even sent proof. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Debt collection

I don't recall having a contractual relationship with this collection company UNIVERSAL RECOVERY CORPO. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Debt collection

I have disputed these debts with the original debt holders and now that LVNV funding is now trying to collect after I have disputed it with the original debt holders and they never responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report today. My report indicated that I am behind 90 days on my loan repayment. I logged into my account and it indicates the same. It further breaks down the details of the loan, indicating that the school attended and loans were disbursed for XXXX XXXX. XXXX XXXX is a part of a class action lawsuit which lead to all loa

ns being forgiven. I logged into
my Federal Student Aid login and confirmed that my XXXX loans are forgiven as well. 

Additionally, if I'm not mistaken, an executive order was issued by the government stating that during this COVID period, no student loans should be being reported as negative to personal credit reports. During COVID, I have not worked. My loans have been deferred for a while now. 

I was unaware that these loans were even due. Nonetheless, they are inaccurate.
Product: Debt collection

I get repetitive phone calls from this company, Portfolio Recovery Agency, from 800  numbers and local area codes. They call and dont even star who they are, I have to ask. Its very annoying
Product: Student loan

During the pandemic XXXX I had contacted Sallie Mae when I was let go from my job and unable to work during that year. Sallie Mae was completely unwilling to help me catch up with my payments even after making a XXXX payment one month to try to catch up. While everyone was offering help to people during the pandemic Sallie Mae would not help me get caught up. They would not defer my payments or take the money I could pay and help me to get caught up. Instead the reported me late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I do not agree with them reporting me late as I was making payments but could not catch up with my past due during that time. Sallie Mae should not have been able to take advantage of people during a national declared disaster and should remove these late payments from my credit report. Them reporting my account late is wrong and FCRA vioalation as they had no grounds to report me late during a national disaster.