23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Re : Dispute of Debt Collection Account XXXX XXXXXXXX To Whom It May Concern : I am writing to dispute the validity of the debt referenced in your recent communication regarding Account XXXX XXXX. I do not believe that I owe the amount claimed, and I am requesting that you provide verification of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I dispute the debt based on the following reasons : Incorrect Amount : The amount claimed does not match any debt I owe, and I have not received any prior notice or documentation regarding this alleged debt. 

Lack of Verification : I have not received any documentation proving the validity of this debt or demonstrating that you are authorized to collect it on behalf of the original creditor.

Statute of Limitations : The statute of limitations for pursuing legal action on this debt may have expired, and I request confirmation of the relevant dates. 

Until you provide verification of the debt and its validity, I request that you cease all collection activities, including but not limited to calls, letters, and reporting to credit bureaus. 

Please respond to this dispute in writing within 30 days from the date of this letter. Failure to provide the requested verification will result in further action to protect my rights under the FDCPA. 

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

XXXX XXXX XXXX is refusing to remove a collection item from my Experian Credit Report in the amount of {$43000.00} for a debt which was cancelled by XXXX XXXX XXXX in XX/XX/XXXX. The cancellation letter clearly states that XXXX XXXX is relieving me from the debt. Multiple disputes have been filed in the months of XXXX and XX/XX/XXXX with Experian and XXXX XXXX XXXX still claims the reported item is accurate. I need this item to be removed from my credit report as the debt was forgiven by XXXX XXXX XXXX who is the original vendor. all objective evidence is attached.
Product: Vehicle loan or lease

My car was impounded when my brother was leaving for work. Santander confirmed on XXXX that they had repossessed the vehicle. They confirmed that they had not tried to call or notify me since XXXX. They spoke with my mother, not me. A letter was received on XX/XX/13. It was taped on my door from another resident. The letter stated we could call and ask in writing for a statement including fees. Several different reps said thats not how it works. I was told XXXX amount on XXXX day, then a different amount the next. It is all written down. I was also given XXXX different account numbers. We had secured financing from another bank to reclaim the vehicle. When XXXX contacted Santander about paying off the loan, Santander said they would not take the check. Nowhere on my document or in writing did we get verification of how funds needed to be sent. Santander would not provide in writing the amount owed or how it was to be paid. They changed the password on my account with someone other than me. Also sent a copy of the title to someone other than me. I asked for an extension, XXXX rep told me that its too late. Accused me of just getting started with the process.Told me I should have started a long time ago. She refused to help in any way. 
I did finally get an extension, but Santander would still not provide me documents detailing the exact amount owed. They stated thats not how it works. 
They talked to another unauthorized party on XXXX in the morning. They then talked to XXXX XXXX without my authorization on day XXXX, which was the last day we could secure the loan. They told XXXX that they would not accept the check. I no longer have access to my account online. The recording tells me {$800.00} is due. 
The company to retrieve my items goes to voicemail. I explained that to the rep, she denied that. On XXXX collected {$410.00} from me plus XXXX for a random fee that was never mentioned before. This was after they had already talked to XXXX. I authorized XXXX to speak about my account later that afternoon. 
We went into XXXX on XXXX and that is when I was told Santander wouldnt accept the check. They would only give us a 15 day payoff in writing. 
My mom used this vehicle for work. Due to Santanders lack of cooperation, she was let go.
Product: Credit card

Capital One advertised their Venture X credit card with a {$390.00} annual fee to users, including one important benefit of this credit card being : the ability to convert the accumulated reward points on the credit card account to loyalty points of Capital One 's transfer partners. However, this functionality has been broken for me personally. I am able to sign into my credit card account, however, Capital One 's website request an additional authentication via text message when I try to use this function. Their system then returns an error message stating " the phone number provided can not be verified '', thus preventing me from using this aspect of the reward program. 
My cell phone is setup on my venture X account as the primary phone number, and has been verified by Capital One 's system. My phone is also capable of receiving all text messages, including the 2-factor authentication code needed to sign into my capital one account. Only the " convert reward '' authentication fails. 

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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you regarding my credit report, which contains several negative items that I would like to dispute. Specifically, I have identified several pieces of personal information and credit accounts that are either incorrect, questionable, or fraudulent. 

Firstly, I would like to address an inquiry made by XXXX on XX/XX/XXXX. I have no recollection of authorizing this inquiry and suspect it may be fraudulent. Therefore, I request that this inquiry be removed from my credit report immediately. 

Secondly, I have identified an account under XXXXXXXX XXXX with the account number XXXX. I find the name and number of this account to be questionable, and I request that you either clarify this information to me or delete this account immediately from my credit report. 

Thirdly, there are several pieces of personal information on my credit report that are incorrect. These include the account name XXXX, XXXX, the account name XXXX, XXXX, and the account name XXXX, XXXX, XXXX. None of these names belong to me, and I request that they be deleted immediately from my report. 

In addition, there are two addresses listed on my credit report that are not correct. The first is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX, and the second is XXXX XXXX XXXX XXXX XXXX, WI XXXX. Neither of these addresses belong to me, and I request that they be deleted immediately from my report. 

Furthermore, there are two accounts listed under the names XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, respectively. Neither of these accounts belong to me, and I request that they be deleted immediately from my report. 

Lastly, I would like to address two accounts under XXXX XXXXXXXX with account numbers XXXX and XXXX. For the account number XXXX, I request that you verify the payment status, balance, comments, payment history, and account number, as they may be incorrect. For the account number XXXX, I find the name and number of this account to be questionable, and I request that you either clarify this information to me or delete this account immediately from my credit report. 

I trust that you will investigate these matters thoroughly and take the necessary steps to remove any incorrect or fraudulent information from my credit report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

Thousands of students were scammed by XXXX  into taking out predatory private loans to attend for profit online schools such as the one I attended, The XXXX XXXX XXXX. As a matter of fact, ThXXXX XXXX XXXX XXXX was investigated by the US Department of Education , the City Attorney of XXXX XXXX , the Project on Predatory Student Lending, the Supreme Court , the US Department of Justice , the Legal Services XXXX XXXX XXXX XXXX XXXX XXXX and the Attorney Generals Office. 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as The Art Institutes International-MN, I was able to file a Borrower Defense claim with the Dept. of Education against The XXXX XXXX XXXX XXXX and my Federal loans of {$34000.00} were discharged, payments made were refunded, and my credit repaired. 
My Borrower Defense Claim was also part of the Sweet Vs. Cardona settlement for which I was a full class member. 
I am aware that XXXX  was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that XXXX XXXX were a " preferred '' lending company in a " deal '' with these schools during the early XXXX XXXX. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for XXXX, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. After the AG settlement, didn't XXXX  also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't XXXX have to pay restitution to the Federal student loan borrowers for not informing students of XXXX payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't XXXX  been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which XXXX is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? XXXX  knows who we are. Under the FTC " XXXX XXXX '' XXXX  is liable for giving predatory loans in connection with online for-profit schools. Time is running out for XXXX to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. Senator XXXX XXXX has sent a letter to XXXXXXXX XXXX  CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! 

https XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

My husband and I 's minivan was totaled in XXXX of 2016. Someone without insurance ran a stop sign and hit the back end of our van, even causing it to somehow catch on fire! Anyway it was considered a total loss. Thankfully we had GAP insurance. Come to find out that our GAP insurance company did not pay the full amount they were obligated to pay. I talked to both the lein holder and the GAP insurance company and both parties were saying that the other one was wrong/had the wrong amount that GAP needed to pay to cover the remaining balance of the vehicle. Eventually there was a balance with accrued interest left on my account with the lien holder and it went on my credit report as a 30 days late payment since there had been no payment. I had to end up paying XXXX dollars just to prevent the account from going 60 days past due. Although my lein holder was sympathetic to my situation they have refused to remove the 30 days late payment from my credit. During all the talks I had with them -- they did admit it was the GAP insurance company 's fault that my account went past due and since then they have wrote off the remaining balance on my account which was about XXXX bucks. But i still have this issue with my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, MD XXXX Collection Agency Name & Address Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : XXXX XXXX, This letter is a formal statement notifying the above parties that the accounts are disputed. The vehicle in question was purchased on or about [ XXXX ], financed by [ XXXX XXXX ], repossessed in the state of [ Maryland ], and sold by [ XXXX Dealership in XXXX XXXX XXXX XXXX ] on or about [ XXXX ]. Under the laws of [ Maryland ] and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above XXXX XXXX XXXX Send to XXXX XXXX, Original Creditor, and Car Dealership. I reserve the right to seek damages against all parties, under all available XXXX and XXXX statutes and including but not limited to UCC 9-625 remedies. Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the XXXX mail system. 
XXXX XXXX XXXX : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation credit card not mine TD BANK XXXXTARGET XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TD BANK XXXX XXXX XXXX XXXX FCRA Violation credit card payments not late XXXX XXXX FCRA Violation other loans not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FCRA Violation hard inquiries not mine 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 XXXXXXXX XXXX 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 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 FCRA Violation collections not mine XXXX XXXX A FCRA Violation installment not mine XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation personal information not mine XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX Transunion XXXX XXXX Date Opened XX/XX/XXXX Balance {$640.00} These accounts listed in my bankruptcy were all opened without my knowledge. This bankruptcy ABSOLUTELY needs to be removed off my public record as a result. This is illegal for Transunion to continue reporting this when XXXX nor XXXX has it listed. Please remove this off my report ASAP! 

XXXX  & Bankruptcy : Bankruptcy Reported on 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
Product: Money transfer, virtual currency, or money service

We were notified that our loan of {$340000.00} was sold to XXXX XXXX  and the servicing was being transferred from Dovenmuehle Mortgage to XXXX XXXX XXXX  at the end of XXXX. At the time, we had already arranged an electronic transfer of {$1500.00} from my husband 's XXXX XXXX account to Dovenmuehle for the XXXX mortgage payment of {$1400.00} plus {$89.00} addition to be added to the principal. I called Dovenmuehle in late XXXX to cancel the transfer and I attempted to cancel the transfer myself on their websites. Both were unsuccessful. I was told by the customer service rep at Dovenmuehle that our transfer would either not go through or if it did, it would be transferred over to XXXX XXXX. Our transfer did go through on XX/XX/2020 to Dovenmuehle. Since that time, our loan for the full amount of {$340000.00} was transferred to XXXX XXXX, however, our XX/XX/2020 payment of {$1500.00} was not transferred or refunded to us and is not reflected in the balance that was transferred to XXXX XXXX. I called both XXXX XXXX which has no record of a transfer from Dovenmuehle, and Dovenmuehle was told various excuses on my several calls to Dovenmuehle including this last time on XX/XX/2020 with my attorney on the phone speaking to a supervisor at Dovenmuehle named XXXX. We were told Dovenmuehle needed to find a tracking number for the transfer to XXXX XXXX. We wer told the Dovenmuehle had the money on a suspence account. We were told they never received the money until I provided them with a copy of the bank statement showing the transfer at which point they said they never received the statement. We expected to hear something back by yesterday XX/XX/2020. No response. No tracking number for our money. No explanation for where our money is. We had to make an additional payment to XXXX XXXX to keep from having a late fee applied to our mortgage payment and we are still missing our money. We either need to get a full refund or have the money transferred and applied to our loan at XXXX XXXX immediately.
Product: Credit reporting or other personal consumer reports

I submitted a dispute requesting proof of debt on XX/XX/XXXX and XX/XX/XXXX of 2023 and have not received validation of the debt from XXXX and Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax about fraudulent inquiries on my report. I contacted them orginally 14 months ago concerning these inquiries. 
I was instructed to file a FTC report which i sucessful completred and forwarded to Equifax. They have refused to removal all the inquiries that were indicated as fraudulent and ones the did remove have returned on my report! 

I have not requested business with the companies conducting the inquiries and have no accounts on my current or previous reports with these companies. 

The following inquiries as you can see or on the FTC report that I filed as fraudlent XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XXXX XXXX CAPITAL XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA The above mentioned inquiries were removed and now have reappeared on my credit report. 


XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX These items are included in the FTC report and was stated to be deleted by Equifax but yet they still remain.
Product: Checking or savings account

I booked a flight with XXXX XXXX on XX/XX/2022. Due to unforseen circumstances I had to cancel my flight for XXXX. The representative I spoke to said I can not receive a refund because it is outside of their XXXX cancelation period. This is unfair because my flight is literally XXXX XXXX away. As a XXXX XXXX  only receiving flight credit will not help this situation. Being refunded for the amount charged on my card will only suffice. This has been heartbreaking and overwhelming.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclayss Bank is reporting inaccurate information on my credit report. Barclays Bank Delaware supplied the 3 major credit bureau with inaccurate information about a 30 day late fees in XX/XX/2019. The late fee was removed and expunged from my account and I was refunded. There was an error on Barclays behalf and my account was corrected. I called customer service and they said that the late was removed in their system. I have disputed the error and reported this to Barclays but Barclays have failed to correct the credit reporting. Please remove and corrected the inaccurate information with all the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

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

I previously disputed this account with Equifax, TransUnion, and XXXX, as it does not belong to me. Following my dispute, XXXX deleted the account from my credit report, acknowledging that it was not mine. However, Equifax and TransUnion claimed to have verified the account as mine but failed to provide any proof to substantiate their findings. 

I am not liable for this debt of {$860.00} with XXXX XXXX XXXX XXXX XXXXXXXX I do not have a contract withXXXX XXXX XXXX they did not provided me with the original contract with as I requested my wet signature and ID verification. 

I request that Equifax and XXXX conduct a thorough reinvestigation and provide documented evidence supporting their verification. If such evidence can not be provided, I demand the immediate removal of this account from my credit file.