23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request validation of the debts associated with the following account numbers : XXXX. XXXX XXXX. XXXX XXXX. XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, Section 809 ( b ), I have the right to request that you provide me with written verification of these debts, including but not limited to the following information : The name and address of the original creditor. 
The amount of the debt. 
The date the debt was incurred. 
Verification that I am, indeed, responsible for this debt. 
I also request that you provide a copy of any judgment if applicable, and the name and address of the original creditor. 

Please note that the FDCPA requires you to provide the requested information within 30 days of receiving this letter. If you are unable to provide the requested information, it is expected that you cease collection efforts and inform any credit reporting agencies to which you have reported this debt. 

Additionally, please consider this a formal request to cease any and all communications with me, as provided for in 15 U.S.C. 1692c ( c ). 

I request that all future communication regarding these accounts be in writing only. 

Your prompt attention to this matter is appreciated. I look forward to receiving the requested information within the statutory timeframe.
Product: Debt collection

Originally the loan was for XXXX, but it was removed due to a class action lawsuit. 

The fraudulent loans were reportedly issued by one bank, XXXX  XXXX XXXX XXXX XXXX, and three companies owned by XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX allegedly provided services to the XXXX XXXX XXXX XXXX and the XXXX  companies. Several other companies, referred to as XXXX, acted as investors for the loan scheme. 

All of the involved companies have denied wrongdoing and maintain that their installment loans and cash advances on lines of credit were all legal under tribal laws. However, the defendants have agreed to establish a settlement that will resolve the claims against them. 

Consumers are eligible for the settlement if they obtained any of the following : Loan ( s ) from XXXX XXXX before XX/XX/XXXX ; Loan ( s ) from XXXX XXXX XXXX ; XXXX XXXX ( s ) on a line of credit from XXXX  before XX/XX/XXXX ; or XXXX XXXX ( s ) from XXXX XXXX XXXX XXXX in Pennsylvania. 
The settlement will provide loan forgiveness for all covered loans. Class Members may also be eligible for a cash payment under the settlement. 

My loan was in year XXXX and qualified as one of the loans to be forgiven. The creditors removed the loan from my file, and I thought that was the end of it. But a collection company called. Direct Recovery Services ph : XXXX, XXXX has been calling both my phone numbers many time 's, saying I owe {$1200.00} which is false. I told them this loan was removed due to the information above and I requested XXXX from ( DRS ) to stop all contact with me. They still continue to call multiple times a day and night. Recieved call on XX/XX/XXXX at XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX at XXXX, XXXX. 
I also have a recorded conversation from DRS, and informed them I was recording. I told them about the lawsuit, and my loan was forgiven under the lawsuit, and removed from my credit report since XXXX, they now are trying to force me to pay a loan I don't owe, and refuse to stop contacting me even after I told them multiple times. 

Their website is https : //www.directrecoveryservices.com
Product: Bank account or service

I am a loyal CitiGold customer of 15years. The service level at this branch is beyond low. I have been waiting for an hour to send out a wire. There are still XXXX people ahead of me. This will take another hour at the rate they are processing things here. They are slow and understaffed. The CitiGold customers do not get any expedited service. Whenever I am here, it takes a long time to get anything done. Today is not an exception, but XXXX hours of wait time are beyond my level of patience!! I am terribly disappointed and will be looking for alternative banking institutions to transfer my assets.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX XXXX XXXX XXXXXXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me two 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX Equifax, XXXX and XXXX XXXX XXXX XXXX  XXXX with no successful resolution. XXXX Equifax, and XXXX reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Product: Credit card or prepaid card

I have been trying to resolve an issue with Wells Fargo regarding charges to my credit card related to unauthorized transfers resulting in fees they assessed. These transfers, which resulted in a {$12.00} charge to my credit card was not done by me. They were either done by an employee within the Wells Fargo organization or done as the result of an error on the part of Wells Fargo 's banking systems, which happens often with this financial institution. However, they are now trying to force me to be responsible for paying these unauthorized charges ( fees ) in the amount of {$12.00} which is indeed fraudulent in nature. I have spoken to several representatives since XX/XX/2019 and to no avail have not gotten any satisfaction. They actually refunded half of the fraudulent fees, but left the remaining {$12.00} charged to my card. How is it that they would refund half of the unauthorized charges/fees, but leave the other half on my card? It doesn't make sense and no one within their organization can answer that question. They refuse to allow me to dispute this charge online via my portal so as to continue to assess fees to the card because I refuse to pay their fraudulent charges. 

I never authorized Wells Fargo to use a credit card account as a line of protection for any other accounts I've had with them over the years. This was something Wells Fargo did on their own. I never gave them permission to use this card for that purpose, however, they've done it and that in itself is fraudulent. For this reason, as well as my dissatisfaction with this bank for allowing this problem to go unresolved for 3 months, and other issues, I have closed ALL of my accounts. I believe their inaction in handling this matter is retaliation for me doing so. They are a scam and defraud customers to generate fee income on their products and services. I have been trying to get this issue of {$12.00} resolved since XX/XX/2019, and yet, I get nothing but the run-around with this institution. As a consumer, I will not be forced to pay for unauthorized charges or fees to a credit card or deposit account. For a bank like Wells Fargo to continue such an issue over {$12.00} is ridiculous. I want this matter resolved so I can be done with Wells Fargo indefinitely. They are not a banking institution worthy of managing my funds or financial accounts.
Product: Student loan

Years ago approximately XXXX or so I began having problem paying my loan and was steered by Sallie Mae now Navient to apply for forbearances and was never told about different payment options. I am almost 60 and  still paying interest on loans from XXXX that initially only {$25000.00}. I was mislead and steered to a debt that I cant get out of.
Product: Mortgage

We have been trying to do a short sale for about XXXX years now. The first bank was taking forever and would not help us at all. Then our loan was transferred to Shellpoint Mortgage Servicing on XX/XX/XXXX. Shellpoint got the loan about XXXX days after that and was unable to have my real estate agent or short sale negotiator get any information about it. They called XXXX times a week to find out what was going on and Shellpoint only said EVERY SINGLE phone call that they 're waiting for my file to be in their system. It was n't until XX/XX/XXXX that they were finally told the file is in their system and to send in the short sale application. However, they said the auction date was XXXX/XXXX/XXXX. This was unacceptable. We 'd been jerked around by Shellpoint so many times with so many phone calls to them. My short sale negotiator submitted my short sale application on XX/XX/XXXX because that was the deadline to submit for the short sale to get started. They then said they 'd know on XX/XX/XXXX if my auction would be postponed. On XX/XX/XXXX, my short sale negotiator confirmed Shellpoint received my short sale application. On XX/XX/XXXX, my short sale negotiator asked if the auction date was postponed. Shellpoint said they wo n't know until XX/XX/XXXX My frustration went beyond maximum frustration when they told us that. Basically, they really are trying to make us fail. What sounds fishy is that they 'd asked my short sale negotiator to submit my application to another short sale group at the bank. This is not right. It 's as if they 're intentionally trying to have my short sale fail or they 've never done a short sale before.
Product: Credit reporting or other personal consumer reports

I went in to open a banking account at XXXX XXXX bank and I was advised that I was only going to be able to open an account up under a program called the XXXX XXXX because, of some information that was sent from XXXX XXXX XXXX that I had Prior Checking accounts open that were in the negative and in Collection with XXXX XXXX XXXX. I contact them and set up an account and they sent out a report an on that report I realize there were XXXX banks that were reporting on me that I had never open up. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and Wells Fargo. I immediately start sending out dispute letters to all XXXX companies asking them to Verify and Validate these account to show proof that they are not my accounts and I sent XXXX letters in total to XXXX XXXX XXXX and XXXX letters to all three banks and each one just sent back a letter stating that this account is verified as accurate. I believe under the 15 U.S.C. 1692g ( FDCPA ) I have to right to see and receive this verification which they have fail to provide in over 90 days of sending out dispute letters and waiting on their responds back to me.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX and XXXX fail to remove derogatory information off of my report that is affecting my credit worthiness my personal identifying information was impacted in a previous Equifax breach.
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 XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

XXXXTHIS IS NOT MY ACCOUNT! I DID NOT AUTHORIZE THIS ACCOUNT TO BE OPEN UNDER MY NAME! 

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXX, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX ( XXXX ) and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taking the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a 609 letter because I know this is not mine. They have not provided any proof nor removed it. XXXX ( XXXX ) also said they can't find anything on this account. Please help
Product: Credit reporting or other personal consumer reports

XXXX is obligated by the Fcra to report accurate accting consumer has advised, all the inquiers reported was fraud, said has 4 days according to LAW to remove such items FTC fraud report was filed on behalf of consumer, consumer is now requesting Experin to provide documention used to determine inquiry was indeed authorize by the consumer, XXXX  has15 days to provide me with the name if the person spoken to, documention used, signed application with consumer wet ink signature.consumer is not asking foran e-oscar report.if XXXX does not have documentation to show these were in fact authorized it must be removed asao.Said company is liable under the sec to follow certain rules.I will be filing form 211 treasury omb forms to audit consumers account.Experian is securitizing consumers data yet refuse to provide a copy of theit CONSUMER FILE NOT CONSUMER REPORT
Product: Debt collection

I contacted Convergent regarding an alleged balance from XXXX of {$1200.00} that is on my credit report. 

The billing they sent me dated XX/XX/XXXX shows a previous balance of {$1100.00} but no explanation how they came up with the owed amount with previous detailed charges. 

At the time of the service with XXXX, I contacted them because I was not getting cellular service like I was supposed to. XXXX explained to me that the reason for the missed, dropped calls and interruption in service was because they were in the process of repairing their cellular towers and that they had no set date of when the repairs would be completed by. As such, since I was getting no service and missing client business calls I had no choice but to cancel my service. I assume the majority of the bill was early termination fees and final month of service which obviously was not provided. Based on what they sent me in response to my request ( when a consumer asks for detailed charges simply sending a previous balance is not sufficient ). Their information is incomplete and I can not proceed with any type of negotiation with such incomplete information. It is my assertion that based on the lack of cellular service provided and local statutes in my state that prohibit utility companies for charging services that can not be rendered I should have no balance owed and this collection should be removed from my credit bureau record. 

I contacted Convergent via certified mail in XX/XX/XXXX. I also contacted the 3 credit bureaus in XX/XX/XXXXand one last attempt to Convergent in XX/XX/XXXX and have been working on getting this resolved since then. It 's been over 8 months and still do n't have a resolution. 

Attached is a copy of the billing they provided in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent account on my credit report. I want to emphasize that I have already contacted the bank associated with this account, submitted the necessary documents, and had the account promptly deleted from their records. Moreover, other credit bureaus have already removed this account from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent account. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax Regarding : requesting clarification of the recent letter sent to me from Equifax, please I am requesting clarification about the letter that Equifax sent to me. It was unclear what information Equifax is seeking. The letter appears to be a computer letter. It is not clear to me based on the letter as to what is being requested. 

Kindly give me understanding Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX Date Opened:XXXX  Balance : {$26000.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns regarding the handling and distribution of my personal information by XXXX, XXXX, and XXXX, in conjunction with American Express and XXXX XXXX. My complaint is grounded in the obligations set forth by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( a ) ( 4 ), which underscores the necessity for consumer reporting agencies to operate with fairness, impartiality, and a profound respect for consumer privacy.

It has come to my attention that my personal and financial data has been shared without my explicit consent, in direct violation of the principles outlined in 15 U.S.C. 6801. This section clearly states that financial institutions hold a continuous responsibility to uphold their customers privacy and the confidentiality of their nonpublic personal information. Given that American Express and XXXX XXXX operates as a financial institution within the interpretation of this statute, they, alongside the aforementioned consumer reporting agencies, are required to adhere to these guidelines. 

Further to this, 15 U.S.C. 1681b sets forth the permissible circumstances under which my consumer report may be furnished. It is explicitly stated that consumer reports can only be distributed in adherence to the written instructions of the consumer to whom it relates. I have not provided such permissionin written or any other formto XXXX, XXXX, XXXX, or American Express and XXXX XXXX. Furthermore, I am not the account holder on these accounts nor have I given any permission to report these accounts to any of my reports. Accordingly, I hereby revoke any presumed consent for the distribution of my information, irrespective of its form. 

In accordance with 12 CFR 1016.7, I am exercising my right to opt-out of your reporting services effectively immediately. I insist on a prompt review and rectification of these issues, aligning with the stipulations and the spirit of the Fair Credit Reporting Act and related statutes concerning consumer rights and privacy.

The Privacy Act of 1974 ( 5 US Code 552a ) states No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of the individual to whom the record permits neither American Express or XXXX XXXX have never received written or verbal consent from me to report to any consumer reporting agency as I am not the accountholder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised Experian on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXXXXXX XXXX, XXXX XXXX. I have never paid the XXXX/XXXX   account late, I have never paid the XXXX/XXXX account late, I have never paid the XXXXXXXX account late. The XXXX XXXX account does not belong to me, the XXXX XXXX XXXX account does not belong to me, the XXXX XXXX XXXX account does not belong to me, the XXXX XXXX XXXX XXXX account does not belong to me, the XXXX XXXX account does not belong to me. Experian has yet to prove how they received this inaccurate information and have not corrected the information following my proof that the information is inaccurate. Please help me get this matter resolved.
Product: Vehicle loan or lease

Page XXXX of the KANSAS VEHICLE RETAIL INSTALLMENT CONTRACT, DATED XX/XX/XXXX, ADDITIONAL AGREEMENTS, SECTION D, says Security Interest : you give the Creditor a security interest in : XXXX. The vehicle and all parts of other goods put on the vehicle ; XXXX. All money or goods received for the vehicle ; and XXXX. All insurance premium and service contracts financed for you. This secures payments of all amounts you owe under this contract. It also secures your other agreements in this contract. THIS IS DECEPTIVE AND DECEIVING! I sent a letter to Fords legal department that was delivered by certified mail on XX/XX/XXXX revoking the security interest and bringing these matters to their attention. ( Attached )
Product: Student loan

I had defaulted on my federal student loans services by XXXX XXXX due to the large monthly payment. My Loan went to a collection agency who I worked with to rehabilitate a loan. During the rehabilitation I attempted to negotiate a lower full payoff of my loan which XXXX XXXX countered twice. During the third round of negotiations my loan was fully rehabilitated and sold to Navient ( Still XXXX XXXX ). The monthly payment jumped up over a XXXX per month which wa was the reason I defaulted in the first place. I attempted to continue discussions with them concerning a full pay off and they have now stated that since my loan has been rehabilitated they are no longer willing to negotiate with me as I am now obligated for the full amount after the rehabilitation.