23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom it may concern, On a recent review of my credit report, I discovered your company, FNB OMAHA continues to report the collection account referenced herein. Prior disputes have not resulted in validation of the debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature. 
Statements showing itemization of monies owed. 
Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for the state of Texas. 
Proof that you are licensed to collect in my state of residence I am also requesting that FNB OMAHA cease and desist from all collection activity pertaining to this account. If youre unable to validate the account within 30 days, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Federal Trade Commission, the XXXX XXXX XXXX, and the Attorney Generals Office.
Product: Mortgage

Greetings, Through Select Portfolio Servicing Inc. 's ( " SPS '' ) extortion attempts, since they are complete strangers to the alleged transactions and that there is absolutely no default whatsoever [ see attached affidavit of ex police officer and currently private investigator under penalty of perjury, that all payments on a non existing loan has been received and there is absolutely no default ], and since i : am taking care of my XXXX mother, i : decided to list my property for sale so that the pretender lender SPS and its co parties can not even steal the equity i : have in my property. There has been XXXX offers, the first buyer offered {>= $1,000,000} and i : accepted that offer. Because of SPS 's extortion attempts and illegal conduct, the first buyers backed out of the deal. The new buyers have offered {$75000.00} less, we are in escrow and need to close the escrow in the next few day. SPS has charged me fees and expenses that they are not supposed to, like charging attorney fees of ~ {$70000.00} when that attorney was not even admitted to XXXX XXXX XXXX of California whose name is XXXX XXXX. XXXX of XXXX XXXX firm, see attached pdf file related to attorney woods, pages XXXX. In addition, SPS refuses to verify the amount of the alleged debt under oath. According to XXXX law dictionary, verification means to substantiate or to confirm under oath. All i : have been asking SPS is to verify the amount of this alleged debt under oath so that we can close the escrow and move on with my life. Stated differently, there is nothing stopping SPS to claim that i : owe them {>= $1,000,000} for example. SPS refuses to do that since they know that i : do not owe them anything. i : am therefore respectfully requesting CFPB to demand that SPS to verify the amount of the alleged debt under Oath so that we can close the escrow. SPS and its co parties have significantly damaged me and my family economically by their repeated misconduct and i : am reaching out to CFPB to please assist me and my family to get SPS to verify the amount of the alleged debt so that we can close the escrow.
Product: Credit reporting or other personal consumer reports

MIDLAND CREDIT MANAGEMENT HAS NOT PROVIDED PROOF THAT THEY ARE LEGALLY ALLOWED TO COLLECT IN THE STATE OF GEORGIA. 
ACCOUNT : XXXX XXXX NOTICE TO CEASE AND DESIST Dear Sir/Madam, You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Product: Debt collection

I have received repeated phone calls from Navient regarding student loans. I have attempted to arrange payments with them in the past and they declined the amount saying it was not enough. Given their refusal, I informed them that in that case I will not be paying anything. 

Since doing this, a representative from Navient has called my cellular device on a number of occasions and I have asked them to please and they persist. In addition, a representative from Navient has proceeded to call my family, friends and place of employment in an effort to harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Exquifax are reporting my Credit Score as XXXX and it should be 640. The reason for this error is they Dicriminate again XXXX Americans. If I was XXXX my Credit Score would be XXXX with the same information. XXXX  and Exquifax are used by XXXX XXXX  Companies to Discriminate against XXXX Americans. I want a Full investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express has handled this situation horribly. <P/>I tried to be civil with them and solve with AMEX directly for a month now. <P/>What happened was I added an authorized user to one of my cards via live chat. They incorrectly coded this as a credit inquiry, which is completely false because I already had the card. I then called and talked to the credit team at AMEX and they told me to fax in the documentation of the hard inquiry on XXXX, so I did. <P/>Now here a month later and its still on my credit report as a hard inquiry, which just infuriates me because I am trying to buy a house and they messed up and ca n't seem to fix it. I am requesting them remove the hard pull from my XXXX report as well as additional compensation in the form of XXXX XXXX to my account XXXX I shouldnt have to ask multiple times and wait months to get this removed. Make it happen, this is an ERROR on your part, which you guys admitted too already but ca n't seem to fix it?
Product: Money transfer, virtual currency, or money service

Dear sir, I am from XXXX and was selling XXXX branded herbal products on XXXX and receiving payments for every order from paypal same like many other competitors of my are doing still without any issue. but suddenly after having smooth business i received an email from paypal that my account is restricted and i can no longer use it and my amount of XXXX $ blocked for 180days. After having conversation with company they said you can not sell herbals but actually i was selling it on XXXX and XXXX allows to sell herbals and paypal is just playing role payment XXXX for XXXX sellers in XXXX. i asked them if it was against the policy then it should not be allowed from day 1 when i started it and after running it sucessfully and having good business more than 1.5years they blocked my paypal account and hold money for 180 days but now before 10days of completion of 180 days lockin period i received a message from paypal saying you will not get any money back due to damage caused to paypal XXXX They had scammed me of XXXX $ of my after enjoying commission fee from my business for more than 1 year. my contact id and paypal id is XXXX XXXX
Product: Debt collection

I was made aware of an account in collections through XXXX XXXX. I disputed in XX/XX/XXXX and XX/XX/XXXX. Both say this is accurate. I have never used smile direct and have no knowledge of this charge. {$870.00} AMERASSIST AR SOLUTIONS XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Opened XX/XX/XXXX Originally from XXXX XXXX ( XXXX )
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX around XXXX I was called 4 times by the same number, the 4th time I finally answered. It was the Wells Fargo customer service number, the one that is on the back of your debit card. The male on the line asked if I knew a XXXX XXXX out of XXXX with XXXX XXXX, and I said no, they asked if I was traveling and I said no. They assured me it was Wells Fargo by saying this is a recorded line and you can confirm because Im calling from the number on the back of your debit card. They said they have noticed some fraudulent transactions on my account. They said the froze my account and were going to work on getting my money back. I logged into my account said my funds were fine and they said we froze them so you wont see transactions, they continued to tell me they were going to help get my money back. They never asked for any of my Information, they even knew I had a savings account. They knew EVERY single XXXX  step on what I would be seeing and what steps were next. I ended up transferring {$1000.00}, {$1000.00}, and {$1000.00}. They sounded legit, even putting me on hold, I was getting an email with the name XXXX XXXX from XXXXXXXX XXXX  and XXXX XXXX XXXX at the same time all this was going on so I thought it was weird, and access codes. I fell for it, Ive been with Wells Fargo since 2001 and have never filed a claim of missing money and now they are denying my claim. A customer that was been with them for this long.
Product: Credit card

I was shocked when I reviewed my credit report and found late payments on the dates below : 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit card or prepaid card

I received an alert on my XXXX XXXX account that there had been a change on my credit report, I logged into my XXXX account to review. On XX/XX/XXXX XXXX ran an inquiry on my credit. I contacted XXXX XXXX and was told I had to contact XXXX ( XXXX XXXX XXXX XXXX XXXX SD XXXX ) .to find out why they ran the inquiry and to have it removed from my credit report. 

I talked to 4 different people there including a supervisor none of which could tell me why the inquiry was done. I have not applied for any new credit or for a credit increase. To my knowledge it is illegal to run an inquiry without my consent, In these days of identity thief XXXX an very concerned about this.XXXX also told me that they could not remove this from my credit report since I did not have an account with them. Then how and why did they run an inquiry,
Product: Credit reporting or other personal consumer reports

Dear Experian : After reviewing your response to my dispute letter of charge-off account. 
1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. 15 U.S. Code 1681q. Obtaining information under false pretenses XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. 15 U.S. Code 1645 Business credit cards limits on liability of employees XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX  XXXX, CA XXXX XX/XX/2018 I have received additional relevant information for you to fix this inaccurate charge-off account. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the XXXX, attorney general, attorney general in your state, Consumer Financial Protection Bureau, Justice Department, Office of Comptroller of Currency, Consumer Action, Consumer Federation of America, Division of Credit Practices, Advocates for Fair Credit Reporting.

1. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant. 
XXXX. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again. 
These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged. 
Im carefully tracking all correspondence with your company. 
I think 30 days should be long enough for your company to complete this investigation. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Been dealing with this issue for XXXX years but now finally am feeling the brutality of being a victim of idenity theft. I have already gone to the police, the fbi and now the FTC i have an idenity theft report filed with the FTC and numerous police and fbi reports across the state of XXXX XXXX XXXX  where i lived in both. Southwest credit systems is not removing the account that does not belong to me on my transunion report. Which is causing me to not be able to be approved to live anywhere and am currently XXXX XXXX XXXX XXXX. i need someones help to get this removed ASAP because southwest credit is not doing the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

CITICARDS CBNA XXXX Date Opened XX/XX/16 Balance {$0.00} I'm just concerned about the validity and consistency within your present research and the delayed payments pertaining to this particular account and also how it is reporting on my credit report. About 45 days ago I asked for an evaluation due to the fact I noticed the item seriously isn't being documented recently. To my big surprise I received a document announcing that your investigation was accomplished and that the item had been " determined as exact. Placed under Section 1681 ( g ) take the time to render me with a summary of the method employed to prove the account is " accurate '' and supply me the name and addresses of persons phoned in every regulatings in the FCRA.
Product: Credit reporting 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. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I used PayPal to pay {$130.00} for XXXX XXXX feet wide Patio umbrellas. I received an item worth less than XXXX us dollar, eye glass cleaner by XXXX XXXX. I contacted the company XXXX XXXX, got no response. I contacted PayPal to dispute the charges as outlined in their buyers protection. PayPal has given me the run around on this issue. I included to PayPal the original invoice that shows I ordered large outdoor Patio Umbrellas, I included pictures of item received, XXXX XXXX. PayPal sent me another email on XX/XX/2020 that they needed more information, When I logged onto my PayPal account it said I needed to respond with more documentations by XX/XX/2020! .. It just seems I am getting the run around with PayPal now. I gave PayPal all the documents again and included the new report to the FBI online scam complaint also. This will be my 3rd time I have bought items online and used PayPal as the money service that it was part of a scam. So far in each of these times it seems PayPal 's buyers protection did not work in my favor or helped me. It just seems PayPal protection is just words.
Product: Credit card or prepaid card

I set up a new payment account to pay my Banana Republic Visa bill through Synchrony's website.  I had the wrong account number so the payment was returned. I was notified of the returned payment by Synchrony but NEVER notified that more than one returned payment would result in my account closure and loss of points earned. I revised the payment account number but this was also returned. I contacted my credit union and was informed I have a limit of 6 transactions per month from the account, which I was unaware of. This is why they refused the electronic payment. I then logged in to the Synchrony website to revise the payment method, and saw it said "this account has been closed." I then received an email from XXXX XXXX asking if I closed this account. I NEVER got notice OR warning from Synchrony Banana Republic Visa that a second returned payment would result in immediate closure of my account and loss of points. I called Synchrony and was told, sorry it's a term (hidden someone in the fine print of course) yes two returned payment your account is closed automatically with no opportunity to reinstate it.  Please note, my account was in good standing and my minimum balance was paid so the two returned payments are the sole reason my account was closed.
Product: Credit reporting

When a corporation, bank or any institute checks on a credit rating, and then denies XXXX because of that rating should not be allowed to use that to " ding '' a credit score. Also I do not like the idea of a credit reporting agency to take points from the consumer if the service from the inquiring identity denies that service. We as Americans are being destroyed by these banks and credit reporting agencies and they are using the excuse that the government and the FTC allows them that freedom to do so. It is time that the FTC and government agencies to step in and look at how the credit agencies and lenders are using the credit score system. I have yet in the past 5 years been able to build my credit up because of these units using the credit score for purposes of denials of many infringements, such as, employment, bank loans, credit interest rates and so on. The Credit reporting agencies are basically at their own discretion on how they wish to destroy us by means of manipulated our scores for their own selfish purpose. This country will soon fall to other countries like XXXX, XXXX, XXXX, etc. and our freedoms are going to be taken away totally, and corporations with their greed are the ones causing this to happen, and our government is allowing this. Look at history, it will again repeat itself and the USA will be destroyed like the XXXX, XXXX, XXXX, etc destroyed themselves through greed. Please stop these corporations from destroying the American people for their own personal greed 's. The government has taken away our constitutional rights and when the foreign country takes control of this country will abolish the government as it takes over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to the Experian by certified mail on XX/XX/XXXX and XX/XX/XXXX stating that this was not my account and requesting proof of account and it to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX,, has violated my rights. 

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

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