23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Aforementioned collection agency, attempting to collect an alleged debt, has failed to acknowledge that the debt is disputed, even after being sent multiple letters and evidence showing the debt was indeed disputed. 

On or about XX/XX/2019, Complainant received a call from a representative who identified herself as a collection agent for First Financial Asset Management. I advised her, as per my rights under the FDCPA, that she and her company was not to call this Complainant after this call was finished. The representative also advised me that the alleged debt was for XXXX XXXX XXXX XXXX. I advised her that as per my aforementioned rights the debt was disputed within the thirty ( 30 ) day period of first communication and that I wanted an address to write a formal letter of dispute. She provided it and an account number. I sent a letter of dispute, via certified mail, which was indeed received by the First Financial Asset Management office, which replied with a verification of debt, which I stated in the first letter of dispute that I did not need, as I was aware of what the alleged debt was about. 

I sent three more letters, on the XXXX of XXXX, the XXXX of XXXX, which contained evidence of my dispute, and a final letter on XX/XX/XXXX, demanding a letter from First Financial Asset Management,  stating the matter was in dispute. ( All of these letters were sent certified mail and were received by the FFAM office in XXXX XXXX, Georgia. ) They have failed to acknowledge the letters and have basically placed me in a state of limbo, so to speak, on the status of this matter. A complaint was filed with the Georgia Attorney General 's XXXX, but they deferred this complaint and advised me to file one with your office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  Account number:XXXX*, XXXX XXXXXXXX Account number:XXXX, XXXX XXXXXXXX XXXX  Account number:XXXX, XXXX Account number:XXXX****XXXX XXXX Account numberXXXX****, XXXX Account number:XXXX has violated my rights including these inquiries : XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX, XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union has been repeatedly reporting false and inaccurate information on my credit report. I have disputed the address, phone numbers and other information and they just keep placing whatever they want on my report even though it is not correct information. they don't actually investigate because if they did, they would know that they are reporting wrong information. They know at this point that the information is false and they have deliberately placed the wrong or false information on my credit report which has my name and personal info connected to other wrong information that is not mine.
Product: Mortgage

Selene Finance engaged in the prohibited practice of " Dual tracking '' while I 'm applying for a loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is collecting an account for  XXXX . I have never had an  XXXX  in my life. I can find nothing old on my credit report th at may ha ve been purchased by  XXXX  ..or ch anged to  XXXX . I disputed this with  XXXX  and the credit bureaus and they left it on my file.     Account number listed on bureau  XXXX  Amount listed {$340.00}
Product: Vehicle loan or lease

I purchased this car XXXX of 2017. I was ontime with my payments in the beginning but i became a victim of XXXX XXXX in which i was unable to work due to XXXX XXXX, XXXX XXXX, being relocated to a harmony home because of many threats. Now i am in the process of trying to purchase a new home due to the offender being arrested and i am trying to start fresh with my daughter my credit report is not the issue. All that i ask due to me being a long term customer with Capital one and due to me getting a settlement i am able to catch up with my bills and become current. I am requesting that they give me a second chance with my life by revising my trade lines with the credit reporting agencies. I sincerely hope that there is redemption at Capital One, and i beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome. 

Regardless of your decision, please know that i thank you for helping me at a time when it was needed, and I hope to do business with Capital One again one day! I have been through XXXX and back and i am now a living testimony!
Product: Debt collection

I want to start this request reminding Capital One that we are all living dificult times with this pandemia. I am one of the affected due to covid-19, and my family also experienced complications. We have been through family health problems. 

Besides all the family health complication that weve been through, my email address was hacked by XXXX, XXXX. Due to this, I was not able to get my statement by XXXX, due to this, my payment was not received. Now this late is being reported in XXXX. This is an overwhelming situation! Believe me, I never meant to be late. This was a situation that I could not control, since I did not receive the statement, and with all the stress due to this virus, it was completely overwhelming. 

I have more than one account with Capital One, but the one that I want to bring your attention to is the followong : Account # XXXX, opened date : XXXX XXXX, XXXX, limit {$7000.00}. 

I am demanding this late mark to be removed. I know Capital One since a long time ago. I know that Capital Ones policies are very human, and I am just requesting a fair solution. 

Please send the attached document to Capital One. I want them to know that my story is true, that I am desesperately explaining my request, but I want them to know that I deserve this late mark to be removed. I am not willing to have it on my report, since it was not my fault. Any can get his email hacked, and I was a victim of this identity theft. 

Thank you for your consideration.
Product: Student loan

In XX/XX/XXXX, my daughter asked me to co-sign for a {$7500.00} student loan for a XXXX XXXX school. My daughter passed away on XX/XX/XXXX with an outstanding balance ( due to a bankruptcy in which Navient wasn't included, supposedly due to being a Federal loan ) of {$7800.00}. I notified Navient of her passing and was told to fax her Death Certificate and loan would be discharged. I continue to monitor my credit scores and this Navient claim continues, so I continue to call. Over my calling Navient, I get Customer Service individuals pressuring me for payment as was a co-signer. I have contacted other Navient phone numbers and was asked to resubmit her Death Certificate, which I did and as recently as yesterday was told that the loan would be discharged soon. I have never received any mail, or phone calls from Navient, only my persistence in trying to get this cleared from my credit, I'm almost XXXX years old, on Social Security, and still upset on the death of my daughter, to get put through a company that gives incomplete and different answers. Most of those demanding that I must pay are impolite and curt. With all of the indecision as to the loan discharged, or not is upsetting.
Product: Debt collection

Westlake Financial has been reporting the debt as a charge-off consistently since XX/XX/year>. This is a violation of the FCRA as you can not continuously report charge-offs. I contacted the company and requested to correction/deletion of the account, and they responded this morning indicating their reports are accurate, despite the inaccuracies on my credit report. The company has failed to see the violations nor has contacted me in any other forms to correct the reporting on my credit report, therefore I am requesting the deletion of this account. It was written off as a charge-off, however, I have not received any information including a 1099 form for taxes or any other forms for handling this correctly. This is a violation of the FCRA section 623 ( a ) ( 2 ) and other connection sections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

Please see attached. The loan from XXXX XXXX XXXX XXXX XXXX is not a mortgage or heloc loan. This information is inaccurate and needs to be corrected and or removed. Please investigate. The attached was sent in today 's mail via certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY LANDLORD STOLE MY IDENTITY AND USED MY PERSONAL INFORMATION THAT I USED TO VERIFY MY IDENTITY TO MOVE IN AGAINST ME. I LIVED IN AN XXXX  YEARS AGO WITH THE OWNER OF THE HOUSE ACTUALLY LIVING THERE AS WELL. I NOTICED AS TIME WENT ON THINGS STARTED MISSING FROM MY ROOM SO I INSTALLED A HIDDEN CAMERA. ONE YEAR I WENT OUT OF STATE TO VISIT MY GRANDMOTHER AND THE LANDLORD CLAIMED HE HAD FRIENDS OVER AND "SOMEONE MAY HAVE WENT INTO MY ROOM" BUT IT WAS HIM. HE WAS ALSO THE ONLY OTHER PERSON WITH THE KEY TO MY ROOM BEING THAT IT WAS HIS PLACE. PLEASE BLOCK AND REMOVE THIS INFORMATION FROM MY CREDIT REPORT IN 4 DAYS.





FRAUDULENT ACCOUNTS: Account name XXXX XXXX XXXX XXXX XXXX, Account Name: XXXX XXXX XXXX XXXX Account #: XXXX, Account name XXXX  Account #: XXXX Account name XXXX XXXX Account #: XXXX, Account name XXXX XXXX XXXX Account #: XXXX Account name XXXX XXXX XXXX  Account #: XXXX  Account name XXXX  Account #: XXXX, Account name XXXX XXXX XXXX. Account #: XXXX, Account name XXXX XXXX XXXX Account #: XXXX, Account name XXXX XXXX XXXX Account #: XXXX, FRAUDULENT ADDRESSES: 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  FRAUDULENT PHONE NUMBER: XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased an item ; returned the item ; received confirmation that the item was received and I had a refund but the refund never showed or clear out my balance. I've called the company several times and bank that housed the card several times and I can't get anyone to credit the account. I keep receiving bills and the balance is occurring late fees. I am tempted to pay the balance to keep from it showing on my credit report. 

XXXX XXXX - XXXX XXXX  {$37.00} XXXX XX/XX/2018
Product: Credit reporting or other personal consumer reports

I am attempting to remove a freeze from my credit file. I tried by phone, email, and online. I have had no success and have been attempting to remove the freeze for almost an entire week now.
Product: Debt collection

As a young kid out of school in my first job I decided to take a loan out for an XXXX program I was accepted to. The amount of the original debt was {$5000.00} from LoantoLearn.com  operated by Educap, Inc back in 2005. Everything was fine until I ran into financial troubles from not having a job. I could n't keep up with the payments and have n't been current. After landing a job again and trying to get back into financial shape I reached out to settle my debt but Educap , Inc. was very predatory about it. They wanted 2X the loan amount even after several payments which reduced the actual amount. I felt it was unfair and agreed to the principal amount to make them whole and they disagreed. They then attempted to sue me twice in a state which I do not live ( Florida ) and continually degrade by credit rating every month. I have tried to reach out to settle the debt but never get a response. This company has no heart, no want or desire to fuel educational growth but to feed off people 's hard earned money to advance their greedy interests. Very shameful.
Product: Payday loan, title loan, or personal loan

Sometime in XX/XX/XXXX I began a Loan relationship with this Finance company called : One Main Finance Co. in XXXX, NC, and I did have a couple of successful small loans with them, and I paid them off in full, but at some point in XX/XX/XXXX I had decided to make a large amount purchase and therefore I needed at least {$5000.00} so I decided to go along with a secured loan project with One Main, which involved signing over my vehicle owners title, for my XXXX XXXX, XXXX as the security for the loan. I did receive the loan and committed to making my scheduled monthly all on time from that point up and through the better part of this year, XX/XX/XXXX, until I had a pretty bad automobile accident that totaled the XXXX, and the Insurance company for the responsible party paid for total value of the car directly to One Main, since they had a lien on the car anyway, which paid off most of the remaining balance owed from the title loan, but One Main refinanced my loan for which turned into a unsecure loan at that point. They continued to hold a lien on the car, as of today, but they had refuse to tow the disabled vehicle away from my parents property where it was sitting following the accident. Around this same time frame of the accident I also was in the middle of a bankruptcy proceeding which finally was concluded, in my favor, that also relieved me of any further payments owed to One Main. But afterwards, I was advised, following the overall exposure about my involvement with One Main and a title loan, in NC. The statement was made to me from a couple of un-official sources, that title loans were outlawed and illegal in the state of North Carolina!? And when I posed the burning question to One Main, and the ( XXXX  ) XXXX XXXX XXXX of Indiana ( the source I had to file my complaint to because One Main is Head Quartered in Indiana ), I get no answer from One Main, or the XXXX, just the runaround it seems. And One Main with all their deceptive information and out right lies, misinformation, rude and unprofessional phone conversations and false documents, upon lies leaves me wondering still, is it illegal for One Main to   practice, perform title loans in the state of North Carolina??? ( now this question is for XXXX?? ). If so, then I feel like with all I went through, and the entire financing episode with One Main, the high interest, etc .... they owe me some type of refund of my money, if not all of it!!?? Please advise!! 

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

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please investigate the unverifiable item/account/information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach and according to USA 1681 which states governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). All these and addresses or in accurate XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX and XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OK XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint
Product: Credit card

On XX/XX/23 I was fraudulently charged {$760.00} by XXXX XXXX XXXX without authorization. I contacted Chime immediately to dispute and get a replacement card. Chime denied the dispute with no evidence.
Product: Student loan

I called on XXXX to request a refund of my payments made during the COVID pause. I had requested information be sent to me after the call. No information was sent to me. 

The agent processed the refund request for {$4100.00} and stated it would be re-added to my account in a few weeks, " by XXXX. '' I received no confirmation on the refund process being initiated or in progress. 

I waited until today, XX/XX/21 and called again. 

The agent I spoke with stated my refund was being processed, but that there is no timeline. This information conflicts with my previous interaction. 

There has been no amount change to my balance.
Product: Credit reporting or other personal consumer reports

I mailed letters on XX/XX/XXXX to all 3 credit bureaus asking that they delete the account for XXXX XXXX XXXX XXXX ( acct # XXXX ) for an inaccuracy ( date last paid is incorrect on the 3 reports... XX/XX/XXXX on XXXX ; XX/XX/XXXX on Equifax ; XX/XX/XXXX on XXXX ). I di not receive a response, no deletions. The FCRA states all data on reports must be 100 % accurate.

I mailed letters on XX/XX/XXXX to all 3 credit bureaus asking that they delete the account for XXXX XXXX XXXX XXXX  ( acct # XXXX ) for inaccuracies ( late payments state ok for XX/XX/XXXX on XXXX, 120 days late for XX/XX/XXXX ; 30 days late on Equifax for XX/XX/XXXX , Charged off for XX/XX/XXXX in Equifax. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Please delete this account for inaccuracy because the date last paid report as XX/XX/XXXX on XXXX, XX/XX/XXXX on Equifax, and XXXX on XXXX. Please see exhibit : A ( attached ). 

Please send me a new credit report reflecting the removal of this account. 

Sincerely, XXXX XXXX Exhibit : A
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report, I was shocked to learn that I have identity theft. I found a credit inquiry added into my report on XX/XX/year> by XXXX XXXXXXXX XXXX that was not authorized by me. Please remove the fraudulent inquiry from my credit report as soon as possible.
Product: Debt collection

I have a disputed credit card debt with Wells Fargo from 2018, which I have been trying to resolve with them and am unable to connect with anyone to at least discuss setting up a payment plan. Now my employer has received a wage garnishment letter, which is prohibited as I am a Pennsylvania resident and it is illegal to garnish wages for credit card debt in this state.