23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 8 Negative accounts on my report that I'm no longer responsible for. They were 8 student loans under XXXX that had later been transferred to the Department of Education. Since then they were consolidated into 2 new positive accounts and then those were closed because they were fully discharged due to XXXX   XXXX. The new accounts reflect current and a XXXX  balance and the old accounts should be removed due to the discharge removing responsibility. This was originally sent to Equifax on XX/XX/2018 along with the discharge letter and was responded with the accounts have been verified. There have been several disputes sent in the last 10 months as well as a request for method of verification which was never complied with either. The XXXX accounts have been removed however the 8 Department of Education accounts remained. These accounts need to be removed.
Product: Debt collection

Received a collection call at XXXX XXXX central this morning, XX/XX/2019. 

This company also calls me at least times a day, sometimes 5. It's getting out of hand. STOP IT!!!!!
Product: Debt collection

This collection agency is not licensed to collect debt in the state of Illinois where I reside. 
Also, this debt has passed the statute of limitation for the state of Illinois. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2024 Tek Collect XXXX XXXX XXXX XXXX, OH XXXX Subject : Dispute of Alleged Debt and Request for Validation Dear Sir/Madam, I am writing to formally dispute any and all alleged debt in collection by your agency, Tek Collect, as it appears on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and related consumer protection laws, I am requesting validation of the debt in question. 

I am aware of my rights under the consumer laws, including but not limited to 12 CFR 1006.34 B5, 12 CFR 1006.34 C4i, 12 CFR 1006.34d, and 15 USC 1681-s27A, which require debt collectors to provide certain information upon request. 

Please provide the following information to validate the debt : 1. A detailed validation of the debt amount, including any fees, interest, or charges that have contributed to the total balance.

2. A copy of the original purchase agreement between Tek Collect and the original creditor, Integrative Nutrition. 

3. Proof that Tek Collect is licensed and bonded in the state of Illinois, where I reside. 

Furthermore, I am formally revoking any consent for you to communicate with me via email, text messages, or phone calls regarding this alleged debt. All future communications must be in writing and sent to the address provided in this letter. 

Please note that I dispute owing any debt to Tek Collect or any affiliated entity. Until proper validation of the debt is provided as requested, I expect all collection efforts to cease immediately. 

I am requesting that you provide the requested documentation within 30 days from the date of this letter. Failure to do so will result in further action on my part to protect my rights under the law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Received the notice on XX/XX/2021. Tried to call the number provided several times, but no one ever answers the phone. 

On XX/XX/2021 overnighted a dispute letter to company, Continued to try to call the number provided several times. No one ever answers Emailed the company and received the following response : Please be advised Mr. *** requested the supportive documents merely 2 hours ago. We represent all 50 states regarding Subrogation claims and this is not a debt. I have requested the documents to be attached to the claim, and when they are, he will indeed receive them. 

Thank you for your patience in this matter. 


However, the letter clearly states that this is an attempt to collect a debt. This is deceptive and illegal debt collection practices and an attempt to collect a debt that was settled ( against the company ) in arbitration.
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. 



Open Account : XXXX XXXX XXXX XXXX XXXX Closed Account : XXXX XXXX XXXXXXXX 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

I have filed MULTIPLY disputes, with XXXX, TRANSUNION and XXXX and the same INACCURATE and NEGATIVE information continues to appear on my Credit File despite me submitting the necessary " supporting documents '' to prove it. As a result my credit score continues to fluctuate between XXXX - XXXX, -- which is horrific. 
Prior to the Identity Theft ( XXXX ) my score was in the XXXX range and it should be in the XXXX by now! 

I am dealing with a known HACKER and I strongly believe that he is RESPONSIBLE for somehow ALTERING my record. He has sent me FAKE Social Security Documents, I just had all the money drawn out my account XX/XX/XXXX, and for the life of me he continues to alter and POST INACCURATE info on my file with ALL three Credit Bureaus, -- and NO ONE IS ABLE TO STOP THIS FROM HAPPENING!!!

REVOLVING ACCOUNTS **INQUIRIES : 119, DEFINITELY NOT ME APPLYING FOR CREDIT -??? 

XXXX XXXX  XXXX XXXX : CHARGE OFF-??? -- ( PAID IN FULL ) XXXX **XXXX XXXX XXXX # XXXX : CHARGE OFF-??? -- ( PAID IN FULL ) XXXX INSTALLMENTS ACCOUNTS *XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Opened XX/XX/XXXX ) FRAUD ACCT I did not open nor do I have any knowledge of this accout whatsoever! 

XXXX XXXX XXXX XXXX XXXX XXXX : ( PAID IN XXXX ) **JOB HISTORY : INCOMPLETE
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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: Credit card

Chase Bank issued me a XXXX for 2013 in the amount of {$14000.00} for credit card account number XXXX. My Federal Tax Return Form XXXX for 2013 included same amount. Chase Bank has yet to advise the credit reporting repositories ( XXXX, XXXX and XXXX ) that said account should be list as " {$0.00} BALANCE, PAID IN FULL ''.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
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 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 XXXXXX/XX/XXXX
Product: Debt collection

I was contacted about my past due debt on XXXX because I was past due on my account due to being laid off from my job earlier in the year. I had repeatedly told XXXX from Toledo Finance this and she said she would work with me, unfortunately her idea of working with you is you need to pay it right now or in a few days. I told her I would continue paying as I have but it would be late because I am just picking up odd jobs to make ends meet until I am gainfully employed once again and she said she understood but continued the calls and texts over and over to try to collect when she knew my situation. I could of dealt with that but where the problem came in is the phone call she placed to me on XXXX she informed me that if I did not pay by the end of the current month then my credit report would reflect in a negative fashion and I advised her it would have to be 30 days before she could do that. She then said " I never said that '' and I said you did and advised her I have been in the business a long time and you can not be deceptive by lying about a negative hit to my credit report and then I hung up. I was in extreme distress due to the fact I was being hit from every angle during this difficult time and that phone call did nothing but increase my XXXX  and put me in a XXXX XXXX for several weeks. I was due for the 22nd so when she called I was only 8 days late at the time. I reached out to company and the district manager called and apologized for the behavior of his staff and said if I needed anything else to let him know. I am sure this phone call was recorded by company to verify my account of what happened on that phone call. I would never in my life put someone like XXXX to represent the face of my company purely based on her lack of compassion in even the slightest and then threatening negative consequences that are nothing but lies.
Product: Checking or savings account

I deposited a check for {$930.00} into my bank account on Thursday XX/XX/2018 and usaa put a 3 to 5 business day hold on it. I really needed the rest of that money this weekend because its XXXX XXXX and its my anniversary weekend. I tried talking to them but it did no good. I am very upset. I told them I am going to file a complaint with the cfpb and am switching banks. I do not know any bank that does a business hold for 3 to 5 days because its a paper check. The lady I talked to tried to get an exemption but it got declined because I had an automatic bill coming out but had insufficient funds due to something else that came out that I wasn't aware of before the automatic bill came out. Ok so in that case I didn't have any insufficient funds because I deposited that check for {$930.00}. I was very angry with usaa for this. Thanks usaa for ruining everything that we had planned this weekend with my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called XXXX on XX/XX/XXXX ran my credit. I hadn't had my credit ran since XXXX. I want this removed please. I've sent multiple letters on this before.
Product: Credit card

This card charges an APR over 30 percent in addition, to monthly service charges of XXXX $ I scheduled my payment prior to due date. It process a day later I was charged a late fee. They will not waive it. I am XXXXXXXX XXXX XXXX  on fixed income. This should be illegal nationally. My options include defaulting, or bankruptcy.
Product: Student loan

A total of XXXX out of XXXX unauthorized payments has been taken out of my checking account. The bank credited me the last XXXX. 
XX/XX/year> {$72.00} XX/XX/year> {$200.00} XX/XX/year> {$50.00} XX/XX/year> {$140.00} I am not disputing the ACH 's dated XX/XX/XXXX and XX/XX/year> both for {$250.00} each. I received statements for both. 
The XXXX payments above totaling {$470.00} are not reflecting on Nelnet 's payment history for my account. 
A copy of payment history from my bank is attached.
Product: Checking or savings account

Ten times they lied to me about sending me my money. It was to take between one and three days, so far it been three weeks, and the same things each time, lie after lie.
Product: Credit card

I purchased an online mentoring class with a specific person from XXXX XXXX on XX/XX/XXXX from his XXXX account. When, I purchased the class, the merchant gave me a ebook and XXXX number to the assistant and said he will help to mentor me. I didnt receive anything else. I did not get any mentoring from the specific person as advertised in his XXXX XXXX thing he gave me was his Ebook which is not helpful. Plus, I didnt get a response from his XXXX. I filed a dispute with Citi on XX/XX/XXXX. They opened it and asked for additional information in XX/XX/XXXX and asked to complete it by XX/XX/XXXX. I was not able to respond by XX/XX/XXXX as I didnt check my email or mail as I went out of town for a work travel. When I came back I realized Citi completed their investigation and it was against my favor. I called them to allow me to reopen the case and give me chance to add my additional information. They simply refused and asked me to contact merchant. Merchant is not responding to me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
XXXX : XXXX XXXX : XX/XX/year> TransUnion : XXXX XXXX XXXX, XXXX XXXX PA XXXX RE : Correction to my personal information Dear TransUnion, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On the XXXX of XXXX, XXXX, XXXX XXXX dropped XXXX points, dropping my score to XXXX, with the reason being that there were no changes made on credit report. I believe this was quite unfair because I am in the process of buying a home, and this impacted my credit, and XXXX me from further opportunities, including particular rates that would have been beneficial to me from services that utilizes my credit. The derogatory remark on my report for XXXX XXXX opened on the XXXX of XXXX, XXXX, has been resolved, but it is still on my credit report. Also, from a report I had received from annualfreecreditreport.com indicated these errors : XXXX. Other Address reported on the XXXX of XXXX, XXXX is wrong, and is missing XXXX  XXXX. 
XXXX. Phone Numbers which are not mine : ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

id have purchased an item on XXXX and paid with my debit card from capital one banks already explained them that for some reason my walmart store credit card also was charged, they must know is the same bank and same people with XXXX  whenever i gave permission, but they didn't helps was told to submit proof, they have proof on my statements since they were working together, i could provide because was not my fault and i would not be paying for other services like going to make copies of my statements and send them because i can't do that, but they do have acmes with my permission to acmes to those statements CAPITAL ONE BANK and CAPITAL ONE WALMART STORE CREDIT CARD, whay they did not do the right thing and compare statements while they were investigation,
Product: Credit card or prepaid card

My US Bank secured Credit card where I had to put down {$300.00} deposit was closed XX/XX/15 I believe I was told by US bank that I have to wait a full month for my account to completely close out. I had noticed on my credit reports that they just updated the status information as closed account because I put in a notice to update the information. I made a payment on my account the same day I asked to close out my account I've had XXXX  3 times and I multiple times asked for relief. I have been charged late fees and interest charges back to back since I have closed out my account with them. I got my balance down from the reported amount of {$320.00} to {$220.00} expecting them to use my secure deposit of {$300.00} toward this balance. No instead they have charged late fees and interest charges honestly it is down right ridiculous now my account has racked back up to almost {$400.00}. I have asked to please remove the late fees already no they cant is what they told me. I have talked to a lot of employees that had no idea of what the policies are for secured cards.
Product: Debt collection

I have documentation that I can fax or upload to you. Also, the XXXX businesses that I have dealing with ( XXXX XXXX, XXXX, and Synerprise Consulting ) have all verified that the XXXX HAS been paid. This can potentially cost me thousands of dollars with a mistake that was not mine. Please help. Nobody can explain.
Product: Credit reporting

I would like to remove the BK off my CB that has past its time frame of limtation.
Product: Student loan

Hi Sir / XXXX, XXXX XXXX - Mohela Account Number - XXXX Above loan before handled by XXXX XXXX. But after pandemic this loan transfer to MOHELA. This loan is fixed interest. 
Before transfer to MOHELA, i had fixed interest rate and monthly premium was XXXX XXXXXXXX premium I been paid since XXXX to till freeze premium. But after fed loan serving transferred my loan to MOHELA. 
MOHELA first month increased my monthly premium up to {$160.00}. Then after second month increased {$200.00}. 
I wasn't changed term of the loan or any condition. But MOHELA unlawfully charging {$66.00}. 
Note -Here sending with XXXX my checking statement, you can see XXXX XXXX how much take from my checking account, and currently how much charging on me.
Product: Checking or savings account

I normally get my deposit on Thursday morning and didn't realize it wasn't there until Thursday evening when I tried to pay my Internet bill. I called cap one bank and asked what was the problem. She said a technical issue with a third party vendor but it would be resolved no later than Friday morning. I called again at XXXX am Friday morning because still nothing had been done and was waiting for over XXXX minutes and nobody would pick up the phone. It's now XXXX pm and still nothing. I have bills that are now past due that I will owe XXXX fees on, and my Internet will probably be shut off. Not to mention, I am a single mother and live check to check. I need to feed my kids too. I don't understand why this is happening, but will be changing my direct deposit today to a different company. If it's not fixed before XXXXpm today, then it will be at least Tuesday..TUESDAY before anything else happens. How is that reasonable??
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing issue regarding fraudulent items on my credit report, despite my many attempt to rectify the situation. 

Despite providing substantial evidence and diligently following the prescribed procedures, the fraudulent items persist on my report. This continued presence not only damages my financial reputation but also undermines the accuracy and integrity of my credit history. 

I request that you conduct a thorough investigation into these fraudulent items and take immediate action to remove them from my credit report. Additionally, I expect to be kept informed of the progress made in resolving this matter. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Unpaid Balance {$16000.00} XXXX  XXXX Balance : {$700.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am the victim of an altered check deposited with Wells Fargo Bank and drawn on XXXX Bank. I am seeking reimbursement in the amount of {$9200.00}. 

On XX/XX/2022 I wrote a check payable to XXXX XXXXXXXX XXXX in the amount of {$6200.00}. The check was drawn my checking account with XXXX Bank. The duplicate check, indicating the payee was XXXX XXXXXXXX XXXX and the amount was {$6200.00}, is attached. 

The check was mailed to XXXX XXXXXXXX XXXX. On XX/XX/2022 I became aware that the check was stolen and altered without my consent or knowledge. The payee name was changed to XXXX XXXX and the amount changed to {$9200.00} ( attached ). I then contacted XXXX and completed the attached Affidavit of Unauthorized Activity ( attached ). 

On XX/XX/2022 XXXX, having learned that the altered check was deposited into a Wells Fargo Bank account, requested reimbursement ( attached ). 
The check was clearly altered and forged. The payee XXXX XXXX was not entitled to payment. As depository bank Wells Fargo is strictly liable for conversion of this stolen and forged check. As payee bank, XXXX Bank is liable for an unauthorized charge to my checking account. 

I have requested reimbursement from Wells Fargo Bank and XXXX Bank but they refuse to reimburse me.
Product: Debt collection

I received a letter in the mail dated XX/XX/16 stating I had a debt that needed to be resolved from my former apartment complex. This was due to a dispute about a termination fee after I moved out following the complex not fixing an immediate hazard/safety issue. I called the debt collector and they were immediately aggressive and upset. Frustrated I didn't answer previous phone calls and made that I was trying to dispute the charge. I had to speak to several people with most calls ending in them hanging up on me after making claims about things I said which I disagreed with and did not say. 
They then started claiming I was " gaslighting them '' and threatened to make it so I would " never be able to rent again '' and that they were going to " mess up my credit ''. 
They also claimed that I was refusing to resolve the debt despite me being on the phone with them. They also started refusing my calls and I had to call them the last time from an alternative line which they answered immediately. My original phone line they put on hold endlessly.
Product: Checking or savings account

I bank with PNC Bank they will not connect to third-party applications such as XXXX, XXXX and XXXX. For myself and many others these applications are less lines which help to avoid overdraft fees manage finances invest and many other helpful tools. I have spoken with these different apps and PNC multiple times to try and restore some sort of connection because linking my checking account to these apps is absolutely necessary.