23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX paid me after I made multiple sales to a customer. XXXX processed the customers payments from start to finish. I never saw any of the process of payments that were made. XXXX, from a separate account according to them paid me the money into my checking account. Over a month ( about XXXX weeks ) later XXXX tried to take the money back that had already cleared and was deposited into my checking account via XXXX  payment from XXXX. I stopped the debit of my checking account from XXXX and was able to keep XXXX from taking my money and over drafting my checking account by more than {$19000.00} Now XXXX has sent me to collections saying that I owe them {$20000.00} from these multiple sales that they collected the money for and deposited in my account. Again, I never processed any of these payments. These payments were 100 % processed by XXXX start to finish. I had no control or access to any of the information when it came to processing these payments. Now that I am being harassed by a debt collector. I sent a certified letter for debt validation. They told me flat out over phone that they dont have to do that. They say I have a signed contract but they will not provide any of that information to me. I dont believe I physically signed a contract. They also said I have to make a lump sum payment in the full amount of {$20000.00} immediately and have not given me any reasonable payment opportunities that fit my budget. They have also threatened to sue me out of state and to freeze my bank account. I do not believe I owe this debt. This is a failure of XXXX and they are trying to hold me accountable for their mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX 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
Product: Checking or savings account

On several occasions Wells Fargo would issue bank XXXX fees when the balance was to low to accept payment on purpose. They would also allow cancelled subscriptions to go through to cause XXXX fee. XXXX deposited funds to create XXXX to charge. I also was told years ago that my account was military and that it was a free checking regardless of balance. I discovered that XXXX was charging my account {$10.00} a month recently and have no idea how long and without notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting a late that I should not have. I have had this account for a very long time and have never been late. This late was only caused by them posting my payment wrong. This is not my fault it is their error.
Product: Credit card or prepaid card

THEY KEEP CHARGING ME 40 FEES & INTEREST AT THE SAME TIMES. 
TOO MUCH FEES AND INTEREST.
Product: Credit reporting or other personal consumer reports

have made three separate requests to receive my report from LexisNexis, as indicated in their profile, but I have not received it either by mail or email. This issue has persisted since XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Payday loan, title loan, personal loan, or advance loan

In accordance with 15 USC1691 and 12 CFR 1002 you can't deny me credit for the reasons they used its discrimination
Product: Debt collection

To whom it may concern The following are listed on my credit report and I have never got a 1. Original Contract.

2. Payoff Disclosure 3. Interest Rate Disclosure 4. Balance History 5. Payment History 6. Credit Insurance XXXX XXXX XXXX {$150.00} XXXX XXXX  {$810.00} CONVERGENT OUTSOURCI {$620.00}
Product: Credit reporting or other personal consumer reports

Personal information associated with my name need to be removed Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX. 
I am no longer associated with this address and need it removed immediately According to the FCRA I as a consumer have the right to report and asked to be removed any inaccurate information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently a victim of credit card fraud and identity theft. Someone had opened a XXXX XXXX card in my name so I contacted XXXX XXXX and they refused to do anything about it. I then contacted the three credit reporting companies. Equifax refuses to take a XXXX XXXX card off my report that was opened fraudulently. Both XXXX and XXXX have removed this account from my report. I have submitted a FTC and police report numerous times without success with Equifax. Equifax now shows the account as closed on my report and it is hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification Safco  XXXX Fraud Account Thx Delete account XXXX XXXX XXXX XXXX Fraud Account Delete Please XXXX XXXX XXXX Not My account please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXXXXXX {$18000.00} XXXX XXXX {$2600.00} USDEPED XXXX {$7100.00} XXXX XXXX {$1500.00} USDEPTED XXXX {$4300.00} USDEPED XXXX {$4000.00} XXXX XXXX {$290.00} EQUIFAXM XXXX {$100.00} XXXX   XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$4000.00} XXXX XXXX {$2600.00} XXXX XXXX {$1300.00} XXXX XXXX {$2600.00} XXXX XXXX {$2600.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I received a letter from a home loan, this lender disclosed questionable & inaccurate information. I have an application number for record ( please contact me ). The credit report was furnished by Equifax disclosure department, XXXX XXXX XXXX, XXXX, GA XXXX, www.equifax.com/fcra stating the following factors that affected my credit score bankruptcy scores disclosure read as XXXX. 
I must dispute this due to the fact I have never filed for bankruptcy in my entire life so I know there's something incorrect. My husband XXXX of XXXX years of marriage we both have never filed bankruptcy so I would like to address this problem with the furnishers. Perhaps someone else is using my identity I'm also not military nor a spouse of any XXXX XXXX military and I never been overseas international. XXXX along with XXXX they can stop reporting me as negative due to the following reason that reads Utilization of accounts, number of accounts, and/or occurrence of a derogatory event. All my bills are on time good/current as of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts should not have any late payment remarks at all! I'm always paying on time. This is the company 's mistake and they shall correct this at once!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit Reporting XXXX  account # XXXX XXXX  XXXX Has violated my rights In accordance with fair credit Reporting XXXX  account # XXXX XXXX XXXX XXXX Has violated my rights 15 u.s.c 1681 Section 602 A states I have the right Privacy 15 u.s.c 1681 Section 604 A section 2 it also states a consumer reporting agency Can not furnish a account with out my written Instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, and again on XX/XX/2018 and again in XX/XX/2018, I filed a dispute with Experian for XXXX XXXX account listed on my credit report. I got a generic response back of validated, that the account was correct and validated. I asked for the credit bureau to supply me with documentation on how exactly this account was validated according to the Fair Credit Reporting Act. They failed to do so and it has been well over 30 days. I requested for Experian not to use the XXXX or automated system in validating this account. I have extensive reason to believe that this account was not validated according to the Fair Credit Reporting act section 609 a 1 a. Also I have reason to believe that the credit bureau Experian has violated the Fair Credit Reporting act again by failing to validate the debt within the investigation period of 30 days according to Fair Credit Reporting Act 611. I have repeatedly requested the alleged signed original contract that Experian has on file for me because I have contacted this XXXX XXXX  company and they have yet to provide me with a signed original contract as well with in FCRA guidelines. I believe since this account can not be validated that according to the Fair Credit Reporting act it should be removed from my credit reports immediately. I have contacted Experian via certified mail # XXXX and again via cert mail XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I took out a federal funded consolidated student loan to put my son through college. My initial loan in  XXXX   XXXX ,  XXXX  was for {$120000.00}, now on  XXXX   XXXX ,  XXXX  is {$130000.00}.   Also, in total I had a  XXXX  loan,  XXXX  loan and  XXXX  loan. I paid off the  XXXX  and  XXXX  loans totaling approximately  XXXX . I would like to know how the loan increases and not decreases. I do n't mind paying off the loan for a college education, but paying an additional {$170000.00} in interest is ridiculous. I have written for  XXXX   XXXX   ( Navient ),   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  US  Department of Education,  XXXX   XXXX   XXXX , Congressman  XXXX , Congressman  XXXX , Presid ent Barack Ob ama and the   XXXX   XXXX   XXXX   with no help, just automated letters received. I went to   XXXX   XXXX   to see if I could apply for a loan and an interest adjustment and they told me that because I did not have a college education, they could not give me a loan. My wife and I are middle class and struggle every month to make a payment of {$1000.00} for this student loan. My son also has his own loan with  XXXX   XXXX  for $  XXXX . He lives on his own out of state and struggles to pay something every month, and is constantly being harassed by them.
Product: Debt collection

I am filing a complaint against Spring Oaks Capital over failure to properly and timely validate an alleged debt. I received notice that I owed {$720.00} on a XXXX  XXXX  allegedly issued to me by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/2021, I received a letter via USPS purported to be from Spring Oaks Capital claiming I owed money to them. Immediately I submitted per the FDCPA a request via electronic mail to XXXX, with a return receipt requested on the email. The return receipt confirmed receipt on XX/XX/2021. Copies of the validation request are attached to this email, along with the return receipt. 

No response or confirmation from this was received until XX/XX/2021, when I received a letter in a handwritten envelope, a scan of which has been attached to this complaint. The letter was dated XX/XX/2021. 

Enclosed in said envelope were alleged card statements, with info marked out, along with a letter acknowledging my request. Scans of the statements are not attached to this email. In addition, a purported bill of sale from a company called XXXX XXXX was enclosed. After research, XXXX XXXX was another debt collection agency and not the creditor responsible for issuing the XXXX XXXX and therefore NOT the original creditor. The bill of sale does not indicate anywhere that my alleged account was included within that particular bill of sale and no other information was provided by XXXX XXXX. No cardholder agreement was enclosed within the packet as well. This does not meet the standard required under the FDCPA or Texas Debt Collection Laws. 

On XX/XX/2021, I received notice by way of credit monitoring that a new account that I had not opened was placed on my credit reports. After a review of the information provided by the monitoring services, I found that XXXX XXXX  placed the information on my credit report. 

Under Texas Debt Collection law, a debt collector must validate the debt within thirty calendar days. A validation notice was sent and received by XXXX XXXX on XX/XX/XXXX and no response was given until the letter dated XX/XX/XXXX was received, well past the 30 day deadline as outlined in Texas law. In addition, XXXX XXXX failed to provide surety bond information as required under Texas law.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, we used Square as a processor for our small business transaction. We run a small XXXX XXXX XXXX XXXX XXXX XXXX . The transaction ( {$20000.00} ) occurred in person via their Tap To Pay option. Accidentally, we charged the transaction to our business card rather than our customer credit card. We tried canceling and issuing a refund, however their app did not let us. Square had blocked and deactivated our account, requesting documentation, with funds to be held for 90 days. We explained that the transaction occurred via tap to pay and there was no documentation/agreement for it at the time. We asked for canceling or full refund of this accidental transaction. After multiple phone calls and emails, the company is unreachable past the basic customer support over phone which is refusing to provide solution, emails seem like automated responses stating the same thing over and over again. Square , Inc has thousands of similar complains for business all over the U.S. We are asking for someone from Square to reach us and to provide solution in the next 30 days, else we will take this to court and social media! Please small business out there be careful when using Square for payment processing.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX / XXXX XXXX BALANCED {$1200.00} XXXX  XXXX BALANCED {$16000.00} XXXX XXXX XXXX XXXX BALANCED {$1200.00}
Product: Mortgage

I scheduled a payment in the amount of $ XXXX on XX/XX/XXXX to be taken out of my account on XX/XX/XXXX. Im a little behind on my mortgage payment, but not 30 days past due. I ensure that I remain within the 30 day mark so that I dont get reported as delinquent to the credit bureaus. On XX/XX/XXXX I called EPM inquiring as to why they hadnt taken payment yet. EPM says that I cancelled the above mentioned payment. I didnt cancel it. I requested documentation from them showing the cancellation, but they couldnt or wouldnt provide it to me. I immediately scheduled another payment with EPM so that my account would be brought to current.
Product: Credit card or prepaid card

On XXXX, 2023 at XXXX PST I called citi bank credit card to see if they would increase my credit limit back to the original credit limit that was extend it to me, and I agreed upon when the card was issued. The first representative that I spoke to advised to me that she would put the request through, but I could not know anything, and the request wouldnt go through until I received a letter in the mail, telling me that they lowered my credit. But I advised her that I had already received this through an email and also electronically because I elected to have electronic notifications. She still would not process the request so I asked for a supervisor. Then a supervisor by the name of XXXX with an ID of XXXX was placed on the phone because I requested one. When this representative gets on the line, I explain to the representative that I would like to request that my limit be increase back to the original amount. In return the supervisor begins to read to me a letter that they sent out that I had already advised that I received electronically. I kept trying to advise to the supervisor that I was just trying to put in a request to have the line increase. And then after I do that, I ask them how long would it take for me to get an answer back from citi : The supervisor advised me that yes he could put the request through today. And yes I could get an answer today. But he also said he was not doing that and then he proceeds to speak over me. I explain to him that I would like to speak to his supervisor. He does not put a supervisor on the phone. He just keeps trying to read me the letter that Ive already explain to him that I already have. And he keeps trying to read things over and over again and basically over talking me not letting me speak at all not listening to me at all just reading, random things and not allowing me to speak. This conversation was recorded and by the times that it was about a 35 minute call altogether. And my request was still not fulfilled. Based off of an adverse reaction that was taken by the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Experian  removed my correct address at XXXX XXXX XXXX, XXXX, Ca XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX by mistake and I need the address, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXXd placed back on my credit report. The correct and current address is XXXX XXXX XXXX, XXXX, Ca XXXX.
Product: Credit reporting or other personal consumer reports

I requested for charge off accounts and collects to be remove from my credit report that was paid off thru insurance company of the lender that is still showing a balance and accounts that I do not have a binding contract with.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 Personal Loans from XXXX XXXX were recently paid off. The team @ XXXX XXXX indicated that they've provided updates to the ( 3 ) credit reporting agencies about the paid-off & closed account status ' however Experian for example, has informed me that the status of my XXXX XXXX accounts will remain unchanged showing at least one account as open with a current balance as per the request from XXXX XXXX XXXX 

Please see the attached email XXXX XXXX indicating that the accounts were paid in full and closed. 

The delay in updating my credit report showing a {$0.00} balance and closed account status is delaying my ability to complete the refinance of my mortgages since my credit report has incorrect information about the total amount of debt I currently have with the opened accounts. 

Account # : Loan 1 ending in # XXXX Loan 2 ending in # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I am a victim of Identity theft. These accounts listed were not made by me. I meet all of the requirements for blocking and removing information from my consumer report under 15 USC 1681c-2.
Product: Checking or savings account

In XX/XX/XXXX I bought a gang sheet of XXXX Transfers for {$130.00} online I paid for XXXX XXXX because I knew I was moving the next month and needed the sheet right away. Per Their Website my order was due to me XX/XX/XXXX I Never Received Anything from XXXX Transfers before I moved. 

I requested a provisional credit for this amount from XXXX and I never heard back everytime I contact this bank they say they are " investigating '' furthermore I gave them proof that I moved and no longer had keys to the old address so if the item was delivered after XX/XX/XXXX I no longer had keys to the old apartment. 
I advised XXXX of this and they still have not given me my money, I tried to contact the XXXX XXXX XXXX and they blocked me. I reported them to the Attorney General for fraud. I now believe they are taking consumers money and they are not providing merchandise. It is Now XXXX XXXX, XXXX and I have not received my money or the product I ordered. I need help understanding why with all my proof submitted have not received my money back when this purchase occured in XXXX.