23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I delivered four money orders payable to the order of American Express XXXX XXXX to apply toward the balance of both accounts ending in XXXX and XXXX. The money order was presented in the form of a payment coupon that is redeemable in U.S. dollars. American Express has accepted all forms of negotiable instruments through the payment coupons, and kept them, but refused to apply credit towards the accounts and neglecting Public Law 73-10 which states it's against public policy to require payment in gold or a particular kind of coin or currency, or in an amount in money of the United States XXXX HJR 192 clearly states that there is no lawful money to pay debts. House Joint Resolution 192 of 1933 further states that there is no money because the UNITED STATES and all municipalities are in bankruptcy and the only currency that exists is that of all the people 's credit. " The money ( Federal Reserve Notes ) will be worth XXXX XXXX on the dollar because it is backed by the credit of the nation. It will represent a mortgage on all the homes and other property of all the people in the nation. The money so issued will not have one penny of gold coverage behind it, because it is really not needed. '' HJR 192 provides a remedy to the American people for their loss by using their personal credit exemption exchange to discharge all debts public and private back to the UNITED STATES as secured party creditors in the bankruptcy. According to UCC 3-306 when a negotiable instrument is presented as a tender of payment and rejected by the person entitled to enforce it the debt is discharged. Also, 18USC8 says that coupons, federal reserve notes, bills, checks, or drafts of money are all obligations of the UNITED STATES. Being a secured party creditor, it's my right to use my private credit in exchange to discharge the debt owed by the debtor XXXX XXXX XXXX CESTUI QUE VIE TRUST. American Express is acting as Trustees that are required to have a fiduciary obligation to the trust and act in the best interest of the beneficiary XXXX XXXX of the family : XXXX. American Express has failed to fulfill its fiduciary obligation and is requesting payment that is already satisfied therefore committing Trust Fraud and malfeasance.
Product: Debt collection

On XXXX XXXX, 2016, my attorney-counsel representing me, wrote a letter to Firstmark Services in response to the debt collection letter I received. The letter was a cease and desist and debt verification notice. Firstmark responded to my attorney 's request as invalid because the request was not signed by me directly. Firstmark completely disregarded my cease and desist letter my attorney had written on my behalf. Firstmark continued to send collection notices for 2 months and called my husband 's cell number. They also made 2 derogatory marks on my XXXX credit report for the same account for being 60 days late ( according to XXXX by XXXX XXXX ) on XXXX XXXX, XXXX Under my rights as a consumer, I have a right for this debt to be verified by Firstmark. They completely made excuses stating that my attorney 's letter is invalid. They continued to pursue the debt and report this debt negatively on my account, despite not having verified the debt initially with me.
Product: Debt collection

Complaint Against I.C. Systems for Unrecognized Collection Notice on My Credit Report I hope this message finds you well. I am writing with deep concern and distress about a recent collection notice placed on my credit report by I.C. Systems. Prior to this, I have maintained a clean credit history without any collection notices. This unexpected entry not only impedes my potential future purchases but also adds an undue layer of stress in these already trying economic times. 

On XX/XX/2023, I contacted I.C. Systems at the number ( XXXX ) provided on my credit report. At precisely XXXX XXXX, I spoke with a representative named XXXX to inquire about the aforementioned collection notice. She informed me that the collection was related to a XXXX account and further explained that their records show the account being handed to them on XX/XX/2023. XXXX also mentioned that a letter was dispatched to me on XX/XX/2023, to inform me about the situation. This seemed incongruous, as the collection was already on my credit report by XX/XX/2023. 

I probed deeper, inquiring if any other communication attempts had been made. XXXX confirmed no attempts besides the letter. When specifically asked about phone contact, she indicated that there had been no phone outreach according to her records. I explained to XXXX that I do not recognize this alleged debt and had not received any notifications about it. I then requested the removal of this collection from my credit report, at which point XXXX transferred me to her supervisor, XXXX ( # XXXX ). 

I reiterated my concerns to Supervisor XXXX and inquired about their communication methods regarding the collection. Although XXXX confirmed the dispatch date of the letter as XX/XX/2023, she contradicted XXXX 's information by stating that phone attempts were made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2023. XXXX further mentioned that they are prohibited by law from leaving voice messages, and she was unable to provide the numbers from which they had allegedly called. 

Upon questioning the legitimacy of the debt, XXXX revealed that XXXX. XXXX does not own the debt ; instead, it remains with XXXX. I found it perplexing that a company, which does not own the debt, could place a collection notice on my credit report. XXXX clarified that they were operating on behalf of XXXX. Despite my repeated requests to have the item removed due to its dubious nature, XXXX declined. 

Given the above circumstances and the inconsistency in I.C. Systems ' communication, I believe it is necessary to bring this matter to your esteemed attention. I genuinely hope that the CFPB can provide guidance and resolution in this matter. 

Thank you for your time and consideration
Product: Student loan

XX/XX/2023 - Submitted IDR/SAVE plan request through XXXX XX/XX/2023 - XXXX to Nelnet customer service after almost two-hour wait. XXXX advised that my monthly payment would be XXXX higher with the save plan than the standard plan that I am currently on. Verbally requested to withdraw application. XXXX acknowledged and added a note to my account. 
XX/XX/2023 - Email and phone conversation with Nelnet customer service. Another two-hour wait. Requested monthly statement and asked why one was not sent - my loans are accruing interest and various payments have been made the my account. 
XX/XX/2023 - Email and phone conversation with Nelnet customer service. My loan Status recently changed to XXXX XXXX XXXX. What does this mean? XXXX acknowledge that I had previously requested to withdraw save application. XXXX advised that she submitted form to another department to cancel administrative forbearance. 
XX/XX/2023 - Account is still in XXXX XXXX XXXX status. No statement has been provided since XX/XX/2023. Payment is due on XX/XX/2023.
Product: Credit card or prepaid card

Chase closed my account and since they did so I can not make payments on the phone. I ca n only do it on the Internet. I could not get to the Internet in time for my payment due the month of  XXXX   2016  and again on the month of  XXXX   2016 . I was told both times when I called in not to worry, since I can not make payments on the phone just do it as soon as I had Internet access. Both times I was assured there would be no late fee. I took Chase at their word. As it turns out they lied. I noticed there was a late fee on my most recent statement and then I decided to verify the same issue I had back in  XXXX   2016 . Sure enough a late fee charge. I contact ed Chase and they said only one charge will be reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted disputes to both XXXX and Experian on XX/XX/XXXX for Account number XXXX I have been told that the account has been verified. However the information sent by the debt collector is outdated. The Proof of validation that was sent to me was an expired lease signed in XXXX. The lease terms clearly state the initial lease beginning XX/XX/XXXX to XX/XX/XXXX. The dates for the charges sent by the debt collector show a notice given date and move out date of XX/XX/XXXX. the debt collector has failed on multiple occasions to appropriately provide proof to validate the collection. This inaccuracy has plagued my credit for three years and after multiple disputes the bureaus refuse to properly investigate my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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. 
DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPT OF EDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have filed disputes with all three credit bureaus about a bankruptcy on my file. The response has only been that it is factual which it is not. One of the inaccuracies is the date it was filed. Another thing is that one of the debts i included In my bankruptcy is still being reported which is showing late/or missed payments. Which is effecting my score negatively even after the bankruptcy. There has been no proof only stating the information is verified by XXXX. Which they have responded my information is suppressed and has not been shared. I also have a court document stating they have not shared any information with bureaus which verifies no research has been made. Its false information and can not be proved.
Product: Money transfer, virtual currency, or money service

Good Evening My name is XXXX XXXX and am a XXXX XXXX XXXX XXXX and I have implementing my XXXX XXXX expertise to build publish and produce cryptography and enthuse XXXX and XXXX XXXX networks. I have been granted mining rewards for mining ether and bitcoin as well as other Tokens and coins within the cryptocurrency environment locally which is Implemented in cryptography cryptocurrencies at this time within the XXXX XXXX XXXX XXXX. I also have a dividend as well from my realtime stock strategies through my portfolios that have cash and daily real time stock exchange funds that need to be deposited on my credit card or be issued for a new or previous financial institution. I also have Holdings that are applied to XXXX/ and all financial indexes. Please fill free to contact me if you have any questions here is copy of my portfolio that I would like to gain a depository or financial institution for emergency management and Global Health.
Product: Debt collection

I have received numerous calls, so much that I had to change my number. I received too many emails to where I had to change and delete my previous email address. I asked for an itemized letter of what is owed and I have yet to receive it.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and noticed that Experian has nonmailable addresses on my report. The following addresses need to be removed from my consumer report : Non-mailable Addresses : XXXX. XXXX XXXX XXXX XXXX DE, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX DE, XXXX XXXX. XXXX XXXX XXXX XXXXXXXX DE, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX DE, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX DE, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX DE, XXXX Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given Experian written and unwritten, verbal and non-verbal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX Date Opened : XX/XX/2015 Balance : {$3800.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Reports Dear TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX, and XXXX, I am writing to dispute the inaccurate and damaging bankruptcy entry that is appearing on my credit reports with all three of your credit reporting agencies. TransUnion is the only credit reporting agency that is publicly furnishing this information, and despite my repeated attempts to have it corrected with all three agencies, the error persists. 

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), I am entitled to have accurate information reported on my credit files. The inclusion of this bankruptcy entry is not only false but it is also negatively impacting my credit score and ability to obtain credit. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), it is unlawful for a credit reporting agency to report inaccurate information that has not been verified. I have not been provided with any verification of this bankruptcy entry and therefore, it must be removed from all three of my credit reports immediately. 

I am also requesting that each of you fill out and return the attached disclosure statement regarding all existing accounts to ensure that full accuracy is reported. This will help to prevent any further inaccuracies on my credit reports. 

I am requesting that all three credit reporting agencies investigate this matter and provide me with written confirmation of the removal of the inaccurate bankruptcy entry from my credit reports. I also request that corrected copies of my credit reports be sent to me and any other entities that have received my credit information within the past six months. 

Please provide me with a written response within 30 days of receiving this letter confirming the removal of the inaccurate information and the completion of the disclosure statement. Failure to do so will result in further legal action being taken. 

Thank you for your prompt attention to this matter. 

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

I have never been in a guitar store. On XXXX XXXX the account was closed. I no not know where they got my name. It is a collection for {$3700.00}. 

Thank you, XXXX XXXX
Product: Debt collection

Upon requesting why there was a debt owed and asked for an itemized list I was told to call an insurance company to get the information needed. I never signed a HIPPA release form with any debt collection agency. I was told they will not send me a letter and that they already sent a letter regarding the debt. Even after respectfully asking if they can mail another letter they became argumentative and disconnected the line. On multiple occasions they refuse to provide detailed information regarding the debt. The letter was not sent via certified therefore reception on the letter can't be validated on their end.
Product: Credit card

Since i dont use my citi thankyou premier card much, i decided to downgrade to citi double cash back card to avoid the annual fee. I contacted citi and asked to downgrade my card. They did it and told me that they would remove the annual fee since there is no annual fee for the new card. After 1-2 weeks later, I found out that the fee is still there and called them again, asking to remove. They told me they would do it. Now, it has been more than a month, they still did not remove it yet. They made me have to pay it.
Product: Debt collection

To whom it may concern I am being harassed by debit collectors for an amount of money I don't owe to XXXX XXXX. 

XXXX USD Collector name : Convergent and previous collector name is XXXX XXXX XXXX Timeline : *I previously used to live in XXXX- XXXX  and had internet service provided to my by XXXX  ( only Wifi, no equipment, cable or installation ).

*In XX/XX/XXXX I left my apartment in XXXX  and moved to XXXX- XXXX. Before leaving my previous residence I called XXXX and disconnected my internet service. I moved out of my apartment on that day and made sure that my internet got disconnected through my online account. XXXX employees I spoke to later confirmed that the internet was disconnected on that day *I was under no contract when I disconnected my service on XX/XX/XXXX. I was paying XXXX USD a month for a speed that cost me XXXX USD a month before my contract expired many months prior to me moving out. The reason I didn't renew my contract that year is because I knew that I will be moving out of my apartment on XX/XX/XXXX *I was not aware of any issues until XX/XX/XXXX when I received a bill in the from XXXX stating that I owe them membership dues + late fees to a total of {$180.00} despite the fact that the internet has been disconnected since XX/XX/XXXX. I also was not under ANY legally binding contract since my contract expired months prior. The internet got disconnected but the bills kept coming without my knowledge! 

*I spent hours holding on the phone and trying to beat XXXX annoying automated phone maze. Every time I call them and when someone finally replies they would tell me that a person from their financial department will reach out to me but no one ever did. This predatory behavior has caused me a lot of distress *I was contacted first by a creditor XXXX and after spending an hour with them on the phone explaining the situation, the issue was resolved a while later and the account was closed. 

I can provide you with the account number and all the details to verify that by yourself *XXXX  has now sold the debt to another creditor called Convergent who are now harassing me by wanting me to pay the amount mentioned above. I wonder how many times do I have to repeat this story. I am getting tired of this. 

*Please note that my credit score is +780 and that I have never missed a payment in my life. This is a matter of principal to me and I won't allow XXXX to bully me like this. 

Thank you very much for your help.
Product: Debt collection

I have spent the past 6 months building my credit very carefully. I have all my credit cards on auto payment and check balances frequently. I have been working hard to improve my credit with the specific Inention of taking out a construction loan to fix damage to my house so my fiance and I can have XXXX as soon as we get married. We planned to take the loan out in the next few weeks and have everything from the bank to contractors and paper work in order. I noticed on XX/XX/XXXX that my credit had dropped XXXX. I had been watching expecting an increase in my score as I had just paid down my only high balance credit card for my business. I saw that my score had instead dropped, and I immediately contacted XXXX credit agency to get a report and find out what happened. The report showed that Santander had sent in a notice of delinquency for {$82.00} on a {$5000.00} line of credit I hadn't used in 6 months, and which had a {$0.00} balance. They claim that I owed {$12.00} per month for 6 months which made the total {$82.00}. My online portal shows I have a {$0.00} balance and no payments due or past due. I contacted my branch manager and she confirmed that she saw no balance or payments due on her end either. She also stated that a monthly fee for access to a line of credit with no balance makes no sense and she'd never heard of it. I have had this line of credit since XXXX, and 6 personal and business bank accounts for over 25 years, and never had any fees beyond principle and interest. She has contacted corporate for me and filed a complaint however they have not responded. Santander never notified me I had fees for just having the line of credit. They never notified me I had a balance, late fees, overdue balance or would be sent to collections. I have never recieved and email or letter disclosing any of these things. I personally noticed the credit drop and investigated. They are acting maliciously, with predator and nefarious tactics intended to leave me unaware of the situation which has directly damaged my credit, my ability to get the house loan, and my life. They have made no efforts to communicate with either myself of the bank manager and have not responded to any attempts to communicate with them or resolve this. I have no files currently to share as Santander Corporate as of now has refused to respond. I do have my credit report from XXXX showing my positive credit history and my bank managers statements of XXXX am being XXXX XXXX  treated and that there's no way I could have known I had a best which she believes is in and of its self incorrect as well. I have attached a screen shot of my online bank portal showing I have a {$0.00} balance and nothing due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I contacted XXXX to remove inaccurate address on my credit report.The information is still on my credit report
Product: Debt collection

Complaint Regarding XXXX XXXX XXXXSunTrust Failure to Validate Debt and Improper Credit Reporting To Whom It May Concern, I am writing to file a formal complaint against XXXXXXXX XXXX XXXX/SunTrust for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX/SunTrust is reporting an account on my credit report that I dispute, and they have not provided proper validation of this debt. 
Details of the Complaint : Failure to Validate Debt : Pursuant to 15 U.S.C. 1692g of the FDCPA, I have the right to request validation of the alleged debt. I am formally disputing this account and requesting detailed validation, including the original creditors information, proof of ownership, and a full accounting of the debt. XXXX XXXX XXXXSunTrust has not provided sufficient evidence to establish the validity of this debt. 

Improper Credit Reporting : XXXXXXXX XXXX XXXX/SunTrust  is reporting this account to the three major credit bureaus ( XXXX, XXXX, and XXXX ) XXXX Under 15 U.S.C. 1681s-2 of the FCRA, furnishers of information are required to ensure the accuracy and integrity of the data they report. Reporting a debt without proper validation violates my rights under the FCRA. 

Harm Caused : The inaccurate reporting of this unvalidated account has negatively impacted my credit score and financial standing. This has caused undue stress and hindered my ability to secure credit and other financial opportunities. 

Relief Requested : XXXX XXXX XXXXSunTrust must validate the debt in accordance with the FDCPA, providing all required documentation to substantiate the validity and ownership of the debt. 

If the debt can not be validated, I request the immediate removal of the account from all three major credit bureaus ( XXXX, XXXX, and XXXX ). 

Confirmation in writing that the account has been removed or validated as appropriate. 

I kindly request that the CFPB investigate this matter and ensure that XXXX XXXX XXXX/SunTrust complies with federal regulations governing debt validation and accurate credit reporting. 

Thank you for your attention to this matter.