23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing in response to a letter sent from your company regarding a debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ), I am formally requesting a validation of this debt. I do not recognize this debt, and I am requesting documentation to confirm its validity.

Please provide me with the following information : The original creditors name and address : To understand where the debt originated.

Verification of the debt amount : A breakdown of the amount you claim I owe, including any fees or interest. 
Proof of my liability : Documentation showing that I am indeed responsible for this debt, and that it has not been paid or otherwise settled. 
Your agency 's authority to collect this debt : A copy of the purchasers agreement between your agency and the original creditor authorizing you to collect the debt. 
Please consider this letter a formal dispute of the debt, and cease all collection activities until you have provided adequate verification of the debt. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested information at your earliest convenience. If you can not provide the requested validation, please delete the account from your records and notify any applicable credit bureaus to remove it from my credit reports.
Product: Student loan

Requested payoff amount for loan # 1 of 2 and subsequent adjustment to Auto Pay amount. Payment not allocated entirely to loan # 1 and Auto Pay for both loan payments cancelled resulting in removal of interest rate reduction of .25 %  meaning it will take longer to pay off loan # 2.
Product: Debt collection

I underwent an XXXX, prior to XXXX. This was paid to XXXX XXXX XXXX. Due to overpayment, I received to checks from XXXX XXXX. However, they continued to send statements. I do not understand why I would received overpayment checks if money was owed to them. In addition, I attempted to pay online, and there is no balance owing. I received letter from EOS CCA collection office on XXXX/XXXX/2016. Here is copy of my letter to them. I also have submitted check to them, dated XXXX/XXXX/2016. 

EOS CCA XXXX. XXXX XXXX XXXX, MA XXXX To whom it may concern : I am writing this letter and submitting check to you under duress. This ongoing dispute with XXXX XXXX is way beyond a joke. Why am I submitting check? I am disgusted with their inability to operate their financial system, and then to pass account to collection agency. 

This copay was submitted online. I then received XXXX checks from XXXX XXXX re overpayment ; now there 's a thing. Unfortunately, I did not document, as I did not have a crystal ball, and did not realize I would have to deal with people that should not be in finance positions. I continued Type to enter text to receive letters re the amount of {$46.00}. 

My wife contacted XXXX XXXX and advised them of this, per last statement XXXX ; payment was due XXXX. Unfortunately, she did not request name of XXXX XXXX representative. My wife advised lady that she would immediately make another payment online. Guess what? No balance due!!!! Go figure. She attempted several times with, I may add, the correct information ... No balance due!!!! No balance due!!!! I certainly could not understand this. It probably was due to the fact that NO BALANCE DUE!!!!! Surprise, surprise, I received a collection notice. Of course, I am incensed at the stupidity of all concerned. 

My wife contacted XXXX XXXX AGAIN yesterday, XXXX XXXX. She spoke in depth with XXXX from billing department. Conclusion? XXXX suggested calling another number, as she could not provide any pertinent information ... .or she knew nothing. To say my wife was frustrated is an understatement. 

On to your letter, which states one can pay online. Guess what? You have a technical issue and would not allow online payment ... I have never in my life been so utterly frustrated and angry and shall be forwarding this letter to FTC with official complaint. Let 's face it, why on earth would XXXX XXXX send me XXXX overpayment checks, yet not apply to what they say was owed to them? To reiterate, I am paying this check to stop everyone harassing me. Crazy is not the word!!!! This is wrong, wrong, wrong, wrong!!!!!!! 

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

I purchased a XXXX treadmill on a promotional 12-months XXXX interest through XXXX XXXX. I paid the card on time and within the12 months. In addition of XXXXXXXX XXXX posting the account as paid in full, they reported me as DECEASED. I wouldn't have known this except I was trying to get a mortgage and my bank told me that Experian and XXXX  showed me DECEASED based on XXXX XXXX XXXX report. I called XXXXXXXX XXXX and they told me that they even had a death certificate on file for me! I called multiple times for them to remedy this. I called XXXX and Experian also but I could not prove to them, to their satisfaction, despite answering all their questions to my identity, that I am in fact ALIVE! I was unable to get the mortgage due to these errors on my credit report and the inability or unwillingness of these companies to correct their errors.
Product: Mortgage

I completed an online mortgage application ( jointly, for myself and my spouse ). Two days later, I noticed that both my and my wife 's XXXX credit scores had dropped by over XXXX points. I expect a slight drop after a hard inquiry, but nothing close to XXXX points! When I investigated, I learned that AimLoan had made XXXX separate hard inquiries one day apart - once on XX/XX/XXXX and once on XX/XX/XXXX. There was no change in the scores reported on the XX/XX/XXXX and XX/XX/XXXX reports they received ; however, immediately following the second inquiry, our XXXX scores were dramatically hit. When I initially asked AimLoan why XXXX separate inquiries were made, several representatives told me that it should only count as one inquiry and that I should " not overreact '' to a " slight drop '' in my credit score. Unsatisfied with that answer, I continued questioning AimLoan representatives further. I then learned that they first ran our credit scores individually. Then, when they realized their error ( that the initial paperwork was for a JOINT mortgage ), they ran us a second time jointly the following day. I spoke with a XXXX representative and they stated that AimLoan could call them directly to have XXXX of the XXXX inquiries removed and correct our credit scores. To date, I have asked AimLoan representatives multiple times to call XXXX and they have refused. Even though they have assured us multiple times that their inquiries should only count as XXXX hard inquiry, they are unwilling to call XXXX to ensure that result. The loan is still in process, and given the company 's lack of concern and unwillingness to make a simple phone call to correct their duplicated hard inquiries, we are beginning to feel like they 're trying to prevent us from shopping around/getting a competitive rate with this significant hit to our credit scores. I 've talked to XXXX different AimLoan representatives and attempted to work through their Complaint Department and have made no progress. No one will explain to me WHY they wo n't call XXXX to have this simple error corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On all 3 credit reports they have me 30 days late on XX/XX/2020 however, XXXX XXXX XXXX XXXX XXXX all 3 credit bureaus XXXX XXXX that it was their error due to updating their systems. The XXXX late pay was removed for a couple months but came back after it was corrected for the 3rd time. I will attach proof of the error from the lender and XXXX investigation would not followed and XXXX XXXX sent letter proving i was and have never been late. The card holding company is XXXX XXXX XXXX but the credit card is XXXX XXXX and XXXX  has that account listed twice on my report with the old account which was updated with 30 date late payment in XX/XX/2020 and the new account number which is accurate after XXXX XXXX went to a 16 digit credit card number versus 12
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up In accordance with the Fair Credit Reporting act XXXX  XXXX  Account # XXXX, XXXX  Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to delete the following information in my file : WORLD FINANCE XXXX It shows that this account was opened in 2018. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX 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 XXXX XXXX XXXX XXXXV XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Credit karma has my social security number attached to someone else 's name and I am also unable to get into my account. I have have money received from school Grant 's starting from XXXX  to XXXX. I also have tax information filed that I'm unaware of.
Product: Credit reporting or other personal consumer reports

1. I have XXXX ( XXXX ) closed student loan accounts named Sloan/Nelnet Services XXXX XXXX # XXXX that are XXXX ( XXXX ) and XXXX ( XXXX ) years old each. 

2. I have XXXX ( XXXX ) closes student loan account named Sloan/Nelnet Services eXXXX XXXX # XXXX that is sixteen ( XXXX ) years aold anf XXXX ( XXXX ) months. 

XXXX. I have XXXX ( XXXX ) closed student loan account named Sloan/Nelnet Services XXXX XXXX # XXXX that is XXXX ( XXXX ) years old and XXXX ( XXXX ) months. 

According to XXXX, closed accounts that are XXXX ( XXXX ) years old will be removed. These accounts are over XXXX ( XXXX ) years old and continues to appean on my credit report. It is negligent that XXXX which represents XXXX of the XXXX ( XXXX ) credit bureaus, continues to display these closed accounts on my credit report. These accounts has caused my XXXX XXXX not move and my purchase of buying a house. It is believable that the government continues to hold the people of the United States in bondage with this antiquated system. Please delete these accounts from my credit account immeidately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all inaccuracies and double accounts and send an updated report to my address.
Product: Credit card or prepaid card

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on DISCOVER FIN SVCS LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

this company state i owe them money and i do not i have sent them an email to stop contacting but they contine to send me emails stating i am in debt with them
Product: Checking or savings account

On XX/XX/2024, I called XXXX XXXX department to report XXXX unauthorized charges to my savings account withdrawing 50 % of total funds, XXXX out of the XXXX charges happened on XX/XX/2024 and the last one happened on XX/XX/2024. The agent that handled my case opened up three claim numbers and told me that within 10 days, the bank will issue a provisional credit and 90 days to complete the investigation for permanent credit. I initially requested the bank account to not be blocked. However, the agent told me that in order for the claim to go through and get assigned to an XXXX, I will have to get the account blocked and I agreed. 

On XX/XX/2024, I checked my savings account and saw an additional unauthorized charge to my account from the same merchant. I called up Santander immediately and the fraud XXXX told me that the transaction is under a " pending '' state and that they will reject it so that the transaction will not be posted to my account. He also informed me that the account was never blocked. I spoke to a supervisor who informed me in more detail that the transaction may or may not post to my account if the reject of the pending transaction missed the window to do so. Additionally the supervisor informed me that I was misinformed about the timelines for the bank to credit my account. In these type of transaction, the bank has to provide a resolution within 10 days and the unauthorized charges were reported and identified within 60 days of the transaction date. 

The reason why I am reporting this complaint is because Santander should be held accountable to secure the consumer 's money. If more than 50 % of their customer 's money are withdrawn in a short span of time ( XXXX week ), shouldn't the bank flag this and alert the merchant who is trying to withdraw the funds from their customer 's account? Why are they only acting on it when the customer identifies the issue after the transactions been approved by the bank? Why would they authorize charges from a merchant in Wisconsin for a customer in Massachusetts who's account has not been withdrawn for over 2 years? 

Additionally, during my conversations with the fraud specialists, no one gave me the confidence that everything will be handled and sorted to the customer 's best interest. They all said that they will find out what happened through investigation and the customer will only get my account credited if the bank if able to recuperate the funds bank from the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need assistance in requiring the credit reporting agencies Experian, XXXX, and XXXX to stop ignoring my oral and written instructions to correct errors on my consumer report. I have mailed 3 notices by mail with instructions and called twice on XX/XX/2022 and XX/XX/2022. I should have a lock on all XXXX reports and yet there are over 25 hard inquires for XX/XX/2022. There are accounts listed that are not mine and I require the CRAs to remove them. There are addresses not personal to me that I require the CRAs to remove. There are many unauthorized hard inquiries not once authorized that I require to be removed. Under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I require the information listed in the section below be corrected, updated, and deleted permanently. I have not given my written consent allowing them to provide or furnish any of the information in question. But I have given them oral and written instructions to correct the invalid information and accounts. They are not following my instructions and this is a violation towards me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021, I have been trying to get the personal consumer statement on my personal credit file removed. I have spoken with several Equifax representatives who state it would be removed in 30 days but, the consumer statement still remains. I just recently spoke with the representative by the name of XXXX, and he stated that I needed to submit my documentation once again. Besides speaking with multiple representatives, I have sent letters, one certified, with my documentation and still no results. I have called XXXX  and XXXX  and they were able to remove the personal consumer statement over the phone right then with no issues.
Product: Money transfer, virtual currency, or money service

PayPal close my account for no reason and will not help me with getting it back up and going and I'm not sure this is a mistake as I assume it has, I have not been able to get help please help me to restore my account because I know your good ability for this kind of help, so this is my PayPal 's email XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX line opened without my authorization. I did not authorize a company ( XXXX ) to open this line of credit. I applied for credit with another bank partnered with XXXX and I was redirected to accept an application from XXXX, which was not clearly disclosed. I want my account closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I contacted this company about XXXX  months ago when I found out they were taking money out my account without my permission. I sent letters in the mail saying that it is an error and please correct it. This company refuses to follow the FCRA by not sending me any information, and also I still receiving harassing phone calls. May you all please help me? The name of the company is Easy Pay Finance XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Nations Recovery Center did not notify the credit reporting agencies after I settled with them on XXXX XXXX, 2015. I am looking to refinance my car and because they did not report payment to the agencies, my credit has not improved. Today 's date is XXXX XXXX, 2015. 

I have repeatedly called them and they just leave my call on hold.
Product: Debt collection

I spoke with this company ( Credit Management ) on XX/XX/2024 and informed them that the debt in question was in litigation to determine the validity of the debt. 

On XX/XX/2024 I asked them to stop communicating with me. 

On XX/XX/2024 they called again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 - Contacted via phone by XXXX, ( address unknown ) AZ ( XXXX ) in regards to consolidation and financial coaching. Was to receive a credit card with 0 % finance charge to apply. 

XX/XX/2020 - The Law Firm of Karl Frankovitch, XXXX XXXX XXXX XXXX, XXXX, NY XXXX ; XXXX XXXX ) : received charge of {$1900.00} to my credit card. 
No documentation of phone XXXX  conversation was ever received via e-mail, mail, contract or credit card. 
Services and credit card were never received. 
Contacted The Law Firm of Karl Frankovitch and this person told me to just pay the {$1900.00} or legal action and suits will take place costing me more than the due fee, so just pay it. 
{$1900.00} paid in full with no services rendered or credit card issued. 

XX/XX/2020 - Contacted The Law Firm of Karl Frankovitch for XXXX 's information. I was told that XXXX is no longer a client of theirs. They have no information on the company except the main Corp is out of AZ. Only a phone number was given ; XXXX. Called and sounded automated/fake ; left voice mail anyway. No call back yet. Can not find anything on web or XXXX  site for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a detailed report of my credit recently and found several fraudulent accounts including credit cards, auto and student loans. I have disputed the items with the three credit bureaus as of XX/XX/2019. Some of the items stopped reporting on my credit but there are still quite a few that are and shouldn't be. Student loans totaling almost {$24000.00} from a XXXX XXXX   XXXX. {$52000.00} in auto loans in default. These accounts have been disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy is 10 years old.I disputed to have removed from transunion.They say they removed it but it still shows on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX