23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter dated XXXX XXXX, XXXX from Fidelity Information Corporation for a an outstanding balance to a XXXX that I do now owe. I responded via certified letter mailed on XXXX XXXX. XXXX disputing this balance and requested verification documents. The certified letter was signed for on XXXX XXXX, XXXX. I specified in the letter that I wanted written response. I have not received any written or oral communication with this debt collector until XXXX XXXX, XXXX at XXXX. The agent said she was with Fidelity Debt Collection and was attempting to collect a debt. I told her I had an open dispute and that I mailed a certified letter back in XXXX. She said she had no record of that letter and that it was impossible since they just received the account in XXXX. I then read her the letter that I received from Fidelity Information Corporation and the date. I also told her of the certified letter I sent. She said that was a different company and the XXXX companies had since merged. I told her that was not my problem, since I still have never received any materials and that I also requested to only be contacted in writing. She eventually hung up on me. I called back attempting to sort the matter out, they asked for verification of my SSN and I told them no, as there would be no way they would have my SSN relating to this balance as there was never a contract or documentation with my SSN or DOB. I told the agent that if she verified she had my SSN that I would verify the last XXXX digits, she then verified that she did not have either pieces of information. I then spoke to a XXXX XXXX that informed me that they would come after me with this debt and that the letter I sent meant nothing since it was with another company. I then told him to not communicate with me except in writing and that I would be contacting my attorney regarding this incident.
Product: Student loan

This complaint has been filed against XXXX XXXX, however the loan has now been transfered to Mohela, however, contact information, including bank account numbers, have remained the same, implying Mohela is a related party to XXXX XXXX. 

In XX/XX/XXXX, XXXX XXXX XXXX ( hereafter referred to as XXXX due to XXXX XXXX divesting that segment ) overtook ownership of two student loan accounts ( hereafter referred to as loans ) of a US citizen with XXXX XXXX outside of the United States. XXXX overtook the loans despite not having the proper basic processes in place to service an account XXXX XXXX XXXX reXXXX within the United States. This included : - Only accepting payment via paper-check issued by a XXXXXXXX XXXX XXXX  - No telephone numbers that were accessible outside the continental United States. - No subject matter experts to resolve unique issues - Policy that prohibited representatives from following a case after phone conversations had ended During the period from XX/XX/XXXX until XX/XX/XXXX, XXXX representatives, acting in an advisory capacity, with the same access to documentation and proclaiming to be experts in Student Loan processes and procedures, repeatedly stated that there was no solution to the lack of a valid method of payment. They continually recommended that the account be placed on forbearance as a temporary solution to prevent the account from going into default. However, they did not disclose that the loan could be moved to a new service provider with different payment facilities via the loan consolidation process. This behavior was reflected in a class action lawsuit against XXXX. In a settlement announcement on XXXX XX/XX/XXXX, Pennsylvania Attorney General XXXX XXXX was quoted : Our investigation uncovered two deceptive and unfair schemes XXXX was using that broke the law and put their own profits ahead of the people they served. The first scheme involved XXXX issuing subprime private loans to borrowers they knew could not pay the money back similar to the mortgage crisis in XXXX. The second scheme we uncovered was XXXX drive to mislead borrowers into forbearances, which stopped them from paying down the principal on their loan and led many to accumulate more debt and never-ending interest payments, said AG XXXX XXXX As a result, when payments were initiated to XXXX in XXXX, pending interest of over 50 % of the initial disbursement was capitalized. When initially contacted about this issue, a XXXX consumer advocate agreed with the complaint and credited all late fees that had accumulated during the period in question, however the interest was not discussed until with a new consumer advocate in XXXX. The most recent ground for rejecting the request to reverse the capitalized interest was that, although XXXX had acted as expert student loan advisor and, between XXXX and XXXX, had specifically stated that there was no solution to the issue, there was a reference to the US Department of Education website. The was also misleading one to believe that the US Department of Education was a governing body for XXXX regarding student loans.
Product: Debt collection

They are literally lying to me. It doesnt take 6 months to see u stole XXXX from me. I paid the XXXX you had no right to take it to court for an additional XXXX you garnished my paycheck for XXXX for a debt that was already paid how does it take u guys that long to figure it out. You want to go to court fine. Im suing for all the work i missed dealing with XXXX. You literally stole from me for no reason. Im done sending proof.
Product: Debt collection

On XXXX it is reporting late and we have an agreement that prevents this plus we had XXXX
Product: Credit card

When we applied the credit limit was {$2000.00} After a few months it was lowered to {$690.00} I was told by the company they pulled my credit and made a decision to lower my limit. I did not authorize anyone to pull my credit and I agreed to a card with a {$2000.00} limit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made contact with XXXX XXXX on XXXX/XXXX/XXXX regarding a FHA Loan on my credit report. They have taken NO action. This mortgage loan was opened in XXXX/XXXX/XXXX address is XXXX XXXX XXXX XXXX, MO XXXX phone numberXXXX reported XXXX the social security number on the account is one number off of my social security number. 
The account number is XXXX date of last payment is XXXX I need this and all the alias names that are from this account removed ASAP as I I trying to get pre approved for a home mortgage. 
XXXX is reporting it on my credit. 

XXXX XXXX phone number is XXXX Please notify me ASAP as this is causeing me to not buy a home
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance Owed : {$150.00} Late/Closed XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$12000.00} Charged off XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX  XXXX Balance : {$500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$750.00} XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : 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
Product: Checking or savings account

Wells Fargo has opened accounts in my name more than once! Both times I received correspondence about a new account in my name. I called multiple times and still and still and to go into the branch more than once to resolve the issue. I have not had a Wells Fargo account in at least a decade!!!! When I did have a account with Wells Fargo I was constantly over charged to point of getting refunds years after I closed the account!
Product: Student loan

On XX/XX/XXXX, I called to request a refund on student loan payments made during the pandemic pause. I spoke with a representstive who said he submitted refund requests for payments I made on account XXXX, two payments on XX/XX/XXXX and XX/XX/XXXX. I was told my refund request was submitted but received no confirmation by email or any other method aside from in the phone call. I messaged their customer service requesting an email response on the status of the refund last week and have not heard back. I attempted to call today at multiple different phone numbers listed on their website 20+ plus times from both my phone number and my spouse 's, and have been unable to get through to even the menu page. I am just trying to get my payments refunded so that I may apply for loan forgiveness and have discovered online that hundreds of people are having problems with Ed financial not actually submitting their requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX {$0.00} Account # XXXX XXXX XXXX XXXX {$0.00} Account # XXXX XXXX XXXX XXXX {$0.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Account # xxxx XXXXXXXX XXXX {$0.00} Account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

At the beginning of the year I was a victim of identity theft ( FTC affidavit attached as well as proof of fraud alerts on all three major CRAs ). This caused me to look deeper into my credit. After doing so I discovered several inquires I did not recognize. One being from XXXX XXXX. On XX/XX/18 I sent a certified letter to XXXX XXXX requesting proof of " written authorization '' by me with my signature to pull my credit. XXXX XXXX only responded stating my file was accessed by " a vetted subscriber ''. Thus I am assuming they have to such documentation and do not have written authorization from me to either themselves or their " vetted subscriber '' According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written instruction ''. According to this FTC advisory opinion XXXX XXXX is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my credit report or be provided proof I have given " written instructions ' to pull my credit.

https : //www.ftc.gov/policy/advisory-opinions/advisory-opinion-landever-10-12-99
Product: Mortgage

I have my mortgage with Mr Cooper and I submitted my tax exemptions months ago. The mortgage didnt come less but {$300.00} more and Ive been calling and finally spoke with one person who didnt know what to say and told me they will call me back a month a go and nothing. Ive been trying to reach someone and they hang up. I cant get a hold of anyone there.
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 U.S.C. 1681. 
XXXX. XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX Banks # XXXX XXXX. XXXX XXXX Banks # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. Diversified Adjustment # XXXX 15 U.S.C 1681 602 A states that I have the right to privacy. 
XXXX5 U.S.C. 1681 604 ( a ) ( 2 ) It also stats that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 C ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information other than adverse item of information and other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681 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

Recently, I've been unable to obtain my free credit report from TransUnion. Contacting Transunion has proven unhelpful. 

1- When using XXXX to obtain my credit reports, I receive an error stating that TransUnion is unable to authenticate my information and to contact them via phone or mail. I am able to see my reports from the other agencies. I used to be able to see my report from Transunion, but that stopped working last year. 

2- Transunion sent me a written report via US mail, but I want to be able to view my report online. I have sent ( multiple times now ) copies of my drivers license and bills, and other information they request, they only send another written report via US mail. 

3- I tried complaining on their XXXX  page and a representative said my file needed maintenance. This was performed 3 times, but does not resolve the problem. 

4- Calls to transunion blame problems at XXXX, they also say they have computer problems and to try again in a few weeks. None of this is true. 
Case number XXXX XXXX A recent breach at my lawyers office entitled me to a free credit report service from TransUnion called XXXX. My wife had no issue enrolling, but I received the same " cant verify my identity '' type of messages. After numerous days of working with them and sending documentation, I was finally able to logon directly with Transunion, but I still can't access my transunion files outside of their paid portal, XXXX. Clearly something is wrong with my file, and they will not fix it. Case number : XXXX I am entitled to online access to my transunion credit report online, and and I am unable to do so. Transunion is unwilling to help me resolve the problem via us mail, phone or through XXXX support.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) # XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XX/XX/2022 EXP XXXX XX/XX/2022 EXP REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. 

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
Product: Debt collection

On XXXX XXXX, XXXX at XXXX, XXXX from XXXX XXXX called me and left a message that he had left numerous messages for me. That is false. He also tried to call other people who he thought might be related to me. These people have told XXXX at XXXX XXXX  on XXXX XXXX, XXXX to not call them again looking for me. XXXX told the people that he called looking for me that I gave XXXX their phone number. That is a false statement. 

This company calls my home phone and cellular phone 10 plus times a day and does n't leave messages. The calls start at XXXX and do n't stop until XXXX. 

The telephone numbers for XXXX XXXX  are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX, California per caller ID. 

They are not the original creditors.
Product: Credit card

On or about XXXX XXXX, I received in response to my inquiry three sheets of paper, each titled " Here 's an update on your disputed charges ''. Transaction Post Date on each was XX/XX/2023. Merchant name on each was AMZN XXXX XXXX ( followed by a different alphanumeric XXXX digit string on each sheet ). Transaction amounts and Dispute amounts were shown as {$140.00}, {$400.00}, and {$580.00}. On XX/XX/2023, I responded that there was no physical description of the items I had allegedly ordered. 
The date XX/XX/XXXX makes no sense since the incident where Amazon began the shipment of XXXX or more items that mysteriously appeared in my shopping cart was on XX/XX/2023, the date XXXX began delivering all of them even though I had not ordered them or even knew what they were. 
In numerous conversations with the Fraud Department of the Chase Bank I made it clear that I did not order these items, and successfully returned all but six of them which lacked return instructions, instructions that Amazon refused to send me, but instead told me over the phone to dispose of the unreturned items.
Product: Vehicle loan or lease

Exeter Finance LLC is reporting an auto loan as a joint owner to my credit report. I have not sign or given my authorization to get any vehicle under my name as primary or co-signer. This vehicle begin reported in my credit report is affecting my finance reputation notability.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, OH XXXX SS XXXX DOB XXXX I was recently in the hospital for XXXX XXXX XXXX XXXX XXXX a year ago. I just now have got back to work. I discovered that my credit file has over 2 inquires for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : XXXX XXXX and also XXXX aka XXXX XXXX. I am not sure who approve this or even made these inquires. This the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611
Product: Vehicle loan or lease

I am a victim of hurricane Michael that hit the Flordia XXXX  on XX/XX/XXXX. I purchased a car XX/XX/XXXX because of a divorce, and repossession that took place on behalf of my ex husband. 
The car was financed by a subprime lender, Credit Acceptance. The car was totalled in the storm. 1 year later my XXXX children and I are still living in a family shelter due to losing our home and Credit Acceptance wants me to pay for the car. I have tried to get them to negotiate with me but they refuse. It's affected my credit negativity and because of it I can't even rent a home for myself and my XXXX children. 
I also tried working with XXXX XXXX concerning the matter but that hasn't helped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 address added to my account that are not mine and they are, XXXX XXXX XXXX, XXXX XXXX Ny XXXX and XXXX XXXX  XXXX XXXX, XXXX ny XXXX. 
I also have credit cards and website information that are not mine as well like : XXXX 2x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Those are all on equifax. 

And On XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   2x XXXX XXXX