23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX XXXX I received a notification from XXXX that an account was placed in collections. When I checked my credit report and saw XXXX XXXX XXXX XXXX, I immediately called them to inquire about the debt as I had not received anything in the mail and was not aware of it. When I spoke to their representative I was informed that the vendor was a XXXX XXXX and I tried to explain that I had spoken with XXXX XXXX several months earlier when I closed my account as I was going to move to a new address and no longer needed water delivery service. At that time I made a payment to XXXX but apparently, there was still a small amount due. I do n't remember the exact amount but I want to guess it was under {$80.00}. Again, I never received anything in the mail about this and the first I heard of this was through XXXX once it was already too late. I made a payment by phone to the collections rep and respectfully asked if this could be removed from my credit report as it negatively affected my credit score. The collection rep was very rude during this entire phone call and advised me that he was not sure if he could do that since he did not believe my story. I again expressed to him that this was not intentional on my part. I just checked my credit report again today and realized that this negative mark is still hurting my credit score. I would greatly appreciate it if this can be removed from my credit reports.
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXXaffiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : XXXXXXXX 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  The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : Approve all outstanding Borrower Defense applications for students who attended these institutions. 
Discharge all loans associated with fraudulent practices, including consolidated loans. 
Repair borrowers credit reports to reflect the removal of these fraudulent debts. 
Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 
We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are being reported fraudulently the accounts doesnt belong to me an is violation of my rights under the FCRA please remove the accounts from my credit report immediately Ive sent you guys several letters police reports and identity theft reports and the accounts are still being reported please remove the account now thanks Account XXXX XXXX XXXX  Account number : XXXX is being reported as charge off multiple Months after account was closed according to FCRA section 623 this XXXX and inaccurate Remove account immediately off of my credit report sent letter to credit bureaus and havent got an response its been 70 Days. Thanks Experian Account XXXX XXXX XXXX Account number : XXXX being reported as charge off multiple Months after account was closed according to FCRA section 623 this XXXX and inaccurate, please Remove account immediately off of my credit report. sent letter to credit bureaus and havent got an response its been 70 Days. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
Names : XXXX, XXXX, XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ( 5 ) ( A ) of the FCRA you 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 ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter,
Product: Credit card or prepaid card

Capital one bank prepaid credit card wrongfully and incorrectly reported as due and In collection or charge off for {$3000.00}.

The original amount was {$300.00} and amount over stated with no proof of bank reconciliation statements for full varification of facts based unpon FTC guidelines. Previously filed a dispute and no proof of statement rather just frivolous comment unsupported with monthly statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS LATE ON MY XXXX XXXX XXXX ACCOUNT IS AN ABSOLUTE INACCURATE INFORMATION, I HAVE ALREADY SPOKEN TO THE CREDITOR AND THEY HAVE PROVIDED THEIR END LETTER OF AGREEMENT, BUT EXPERIAN DOES NOT REMOVE THIS INACCURACY FROM MY CREDIT REPORT. 
XXXX AND XXXX HAVE ALREADY REMOVE THE NEGATIVE MARK EXCEPT EXPERIAN, NO MATTER HOW MANY TIMES I HAVE SUBMITTED THE REQUEST THEY JUST DONT. 
PLEASE HELP ME TO REMOVE THIS MARK, CAUSE I NEED TO APPLY FOR STUDENT LOAN FOR MY SON. 
THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with West Creek Financial in the late part of 2019. Recently in the past XXXX months I have been out of work due to medical reasons. I have not been receiving any pay checks. As soon as I knew I was going to be out of work I spoke to one of the representatives at West Creek Financial and told him my situation and they told me not to worry and to let them know when I started working again so that I could start making payments again. most places that allow you to take out a loan there is a payment protection plan that protects you and your credit from bad remarks such as late payments and miss payments when youre out of work. I expressed that I was willing to make partial payments but they told me they did not allow partial payments and that they only excepted payments in full. They threatened me and told me they will send my account to collections if I did not pay them in full after I had clearly told them I was not working at the time. Today on XX/XX/XXXX I had to borrow money from my family to pay my past due balance of {$480.00}. I am extremely disappointed with the poor customer service and the lack of empathy that they show their customers during trying times. I was not asking to hold my payments until I started work again I just needed to be able to make partial payments but they threatened to send my account to collections.
Product: Checking or savings account

XXXX to present usaa bank they transfered money to my other account witthout my permission.They kept my tax refund check and said it was put in a closed account .The same day they did a chargeoff fraud but told me no fraud acured .They are now saying they dont have my social sucurity number or id or adress and are going to close my other account due tothem not having this info .How can they not have this info they had to have it to open acccount .every time i call i get a different answer .we filed a police report immmediateley after our vehicle was taken from work i was working at XXXX  and could not take items in due to covid, i also sent them notice of a breach where my info was shared from my doctors office .they still claqim no fraud accored.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I made an online wire transfer of {$3000.00} USD from Citibank ( USA ) to my account at XXXX ( XXXX ). I inadvertently used the number of a closed account as the receiving account ( at XXXX ). After investigating, XXXX advises the transfer was not posted to their system, but was immediately returned to Citibank on XX/XX/2018 

I've asked Citibank to investigate this twice, and both times they claim they do not have the funds.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

A chime account was opened with my email and phone number without my permission. I called to inform them but they wanted more personal information to close itridiculous.
Product: Checking or savings account

My bank Sun Trust called me on the XX/XX/2020 to inquire if I knew about multiple transactions on my account, I told them I wasnt aware of such transactions and they said they were going to investigate the fraud! I waited till today XX/XX/2020 I eventually went straight to the bank today so I could withdraw my daughter whos in College money, the bank told me they were still investigating the case, when I got home I called the customer service by name XXXX XXXX, and he told me the case was denied that he would send me the denial forms to re-file another claim that this was going to take 5-7 business days, please help me out! Not only that my daughter in college money is involved, I equally take care of other children from there and I have a XXXX year old baby, a XXXX, and a XXXX years old that are depending on me to take care of please I need help to get my money from Suntrust Bank. The transactions were as follows : sent to world remit {$480.00} sent XX/XX/2020, {$240.00} sent XX/XX/2020, {$200.00} sent XX/XX/2020, XXXX sent XX/XX/2020 the only money reimburse was {$210.00}
Product: Money transfer, virtual currency, or money service

Two charges of {$300.00} were made using friends and family with my account. 
These were scams and I have been dealing with this for about a week. I believe I have officially fixed my issues securing my accounts.
Product: Payday loan, title loan, or personal loan

In late XX/XX/2021 I had fallen behind in monthly bills and was seeking some relief. I went to what I thought was a direct-contact website where I would apply for a loan directly with a lender. Turns out I entered my information into a clearinghouse site and received several XXXX emails in the space of a few hours. Mountain Summit Financial was one of those respondents and I clicked on their page to apply. I was shunted through what appeared to be a VPN type system, hitting several redirects before coming to a final page where all I had to do was verify my information and the loan amount would be disbursed. I do NOT recall signing a loan with SIX HUNDRED NINETY PERCENT INTEREST, nor would I have knowingly signed such terms. 

They were removing more than {$270.00}. every XXXX weeks, but now my bank account is frozen due to fraud that I no doubt incurred as a result of that original clearinghouse site. After removing the payment a number of times ( 4 payments would have repaid the {$1000.00}. principal and given XXXX more than {$92.00}. in interest ) I thought the debt would have been repaid, but the fifth payment came out and I started calling. Six times I called between XXXX and this week. One time i got through and I was told the XXXX financial instruments are " non-negotiable beyond original disbursement of funds. '' Following these calls, I noticed that the clearinghouse site added some fine print stating that loans originating from tribal financial services may have high-interest terms. This is a XXXX XXXX doing this, and if they are knowingly doing this to people, the whole shebang ought be shut down. 

As you can imagine, I can not afford to be saddled with a debt like this for five years. I am recently divorced and XXXX and I have a mountain of debt following my ex-husband wringing me out and setting me off to dry. I don't even have access to my bank account, partially as a result of this payday loan, and the website that I accessed their services through. Please help.
Product: Credit reporting or other personal consumer reports

I have previously disputed ( XXXX  XXXX Bankruptcy XXXX ) With you. And in response, you verified the item as accurate, stating that you have verified this information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter therefore, your initial response verifying the item with the court was either an error or a lie. Either way the reporting requirements do not comply with FCRA {$610.00} ( 15 U. S $ 1681I ). Also, I was told that this information was giving to you by XXXX XXXX please see attached document from XXXX XXXX stating that this information in unverifiable. And the information must be deleted immediately Please reinvestigate and notify me by mail with your reposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX  claimed that they did a reinvestigation for my XXXX student loan and show the balance as {$1100.00} .XXXX  is commiting fraud they could not have actually performed a investigation because I have a screen shot proof that the balance was XXXX at the time that I filed my dispute.XXXX continues to claim that they are performing a investigation and they are not actually completing a investigation on my disputes.
Product: Debt collection

Capital Recovery Systems left two ambiguous voicemails on our answering machine for my wife. Did not leave company info. Message implied that something bad would happen if caller was not contacted by XXXX XXXX. I called the number that was left on the answering machine. Woman who answered phone said her name was XXXX XXXX. I asked her to identify the company or agency she was with. She refused. She used the callerid information to identify me and deduced that I was calling about my wife. Being concerned about identity theft or another scan I requested that she give me her company or agency name at least 20 times. I said that I would report her call to the FBI as a possible scammer. She still refused. Eventually I brought my wife into the room and we both talked with XXXX via the speakerphone. XXXX then revealed her company name, Capital Recovery Systems, and that she was calling about a debt. She said that we had to pay the debt before XXXX or be marked as refusing to pay. I asked if they had sent a written notification and XXXX said they " just sent it ''. We do not appear to have received such a notification. There was no information give to us over the phone about a right to dispute the debt. We were then asked how we planned to settle it. We told XXXX XXXX that we would address the matter once the written notice was received. She said we 'd be marked as refusing to pay the debt. I told her that we would reporting her company to the FTC. We reached XXXX XXXX at XXXX
Product: Debt collection

I had internet service with XXXX but due to poor service and bills coming late, poor customer service, service was disconnected in XX/XX/XXXX. I completely moved out of the state to another. I started getting calls about service and they wanted to make it right. I informed the office of the President for XXXX that I no longer lived in the state and did not need their service. They apologized for the error and said I will not be contacted again. Service was disconnected and no balance was remaining. Some how, I started getting phone calls from a collection company called MRS BPO. I instructed them to stop calling me and if They believed I owed a debt to put it in writing, as I did not owe a debt to them nor XXXX. They became rude and obnoxious. The persisted with calls, now they have intentionally and willfully placed false claim of debt on my credit profile. Moreover, they made they start date of service XX/XX/XXXX.
Product: Debt collection

Debt collection company has repeatedly used multiple phone numbers and attempted to contact me at all times of the day, multiple times. This company also posed as a potential employer and called my parent 's home phone number looking for me. They lied, and said they were calling from " XXXX. ''
Product: Debt collection

Jefferson Capital Systems reported a fraudulent account on my credit report that SIGNIFICANTLY damaged my credit score. This has affected my ability to find housing for me and my young daughter. Unfortunately I was tragically in an accident and needed to get a new car but found out my credit score that i worked very hard and spent a lot of money and time repairing. Please delete this fraudulent mark off my credit report, yes an identity theft claim has been made.
Product: Credit card or prepaid card

I filed a dispute with Capital One, I called them over 30 times, I have emailed over 50 times, this isn't an exaggeration, they all give me the run around and they assure me a dispute was filed but there is never a resolution. 
The card hasn't been used by me since early 2022 and they requested that I notify them of the last charges on my statements that I recognize doing and I did exactly that and no result has come of it besides spam emails and no responses to my emails or calls to the direct line given to me originally, I have left voicemails and when I get through to people they just transfer me around until I get told I will receive an email or callback with an update. 
I have XXXX screenshots of emails sent with no response, calls made to them, and fax confirmations of paperwork I have sent over a a long period of months