23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

1.I have never had an account with this company Comenity Bank , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Comenity Bank the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Checking or savings account

I Deposited My check on XX/XX/ in my Checking/Savings account with Deposit of {$3100.00} and Wells Fargo Completely Shut Down my account and Stole my money Which was my unemployment gift from a friend of mine to help me off my feet and I'm literally on XXXX XXXX and XXXX that's all I mean I mean I'm left with nothing I was left with nothing Im barely struggling with my divorce not to mention im in a financial hardship I want Wells Fargo to refund my Money, Im XXXX and have XXXX XXXX I cant work because I have Emotional Problems And my Dog is XXXX XXXX and I have To say Wells Fargo thats pretty Cold And So Low of a Company to do that to a customer!
Product: Credit card or prepaid card

I purchased a XXXX credit card on XX/XX/XXXX. Before as well as aftet I was approved for the credit card ; I was informed that I could shop in stores immediately with a 16digit account number that I was provided. On XX/XX/XXXX I dropped my vehicle off for {$600.00} worth of services. When I arrived later that day to pick my vehicle up I was advised that I needed a physical card to pay for the services. It is now day 13 of me being without my vehicle! I have went to management and received no helo what so ever. I am soon about to seek legal help since bobody seems to care.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account # XXXX has violated my rights. 

15 U.S.C 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 hand written instructions.
Product: Debt collection

I received a letter onXX/XX/XXXX regarding a debt owed to Il XXXX XXXX XXXX XXXX in the amount of {$480.00} from XXXX XXXX XXXX XXXX my ID # with them XXXX.
I contacted them immediately and explained to them I was paying the debt monthly sinceXX/XX/XXXX via check and I had proof. THey said yes, but that payment is not enough monthly. I said well what do I need to do to get this up to date and ensure this does not go on my credit? I have worked very hard the past 6 years since being diagnosed with a XXXX XXXX to clean up my credit so we can refinance the house.
THe agent stated I would need to pay 30 % which was {$150.00} online by the end of XX/XX/XXXXand XXXX every month thereafter to ensure this was current and would not at all be reflected on my credit. So, I complied. THen I made a XXXX payment online XX/XX/XXXX and XX/XX/XXXX.
On XX/XX/XXXX I received a credit notification from XXXX XXXX my credit monitoring site stating there was a significant negative impact to my credit. Balance increase and derogatory mark. THis was from harvard collections listing a balance owed of {$8700.00}. THat is was past due, and not being paid on or addressed at all. THis is totally false balance, reporting of not addressing the issue, and of not addressing my situation or balance.
Never at all did I receive notification in writing nor via internet or voice communication on this {$8700.00} balance. I would never had ignored this. I have been ill since late XX/XX/XXXX, not able to work and on XXXX since XX/XX/XXXX. I need a XXXX XXXX.
Also, when I inquired to the state of Ill. and Harvard collections on what my balance owed was, and if that was the total they both replied yes to the {$480.00} stated in the letter.
I only used the funds the state allocated to me due to my illness and lack of income. I almost XXXX XXXX XXXX in one year, had a XXXX XXXX from my XXXX and went into XXXX XXXX. Still, I attempted to keep currant with my affairs and address issues including necessary medical appointments and medicine to stay alive.
Now, by one hit and one derogatory false mark my credit report has dropped 36 points in one day. THis will significantly impact my ability to refinance now when the second mortgage is coming due.
Please, please. I am seeking help to get this expunged from my credit and have the ability to resolve this issue.
THank you.
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft several times in the past I have a new identity theft alert on my credit and I have a credit lock placed. There are three medical collections on my credit report that are not mine and were not originated by me. They are the following : 1 ) XXXX XXXX XXXX Acct # XXXX 2 ) XXXX   Acct # XXXX 3 ) XXXX  Acct # XXXX
Product: Debt collection

This is not my debt and this company violated multiple consumer laws, including reporting an inaccurate debt and failing to respond to my timely debt validation request. I received a letter from Portfolio Recovery Associates claiming that I owe a debt associated with this account they claim is mine. In response, I promptly mailed PRA a letter requesting GAAP debt validation. I never received response from PRA in response to my GAAP request, nor did they respond to requests regarding other debts they claim I owe. In researching this company, it seems to be a common complaint that debt validation requests are not responded to. Despite not responding to my timely debt validation request, they continued to make collection efforts, including reporting this non-validated debt to all three credit bureaus, which they are not allowed to do without proper validation/response to my timely GAAP request. I recently disputed this with XXXX. I also disputed other debts that this company claims I owe. In response to 3 other disputes, I received credit card statements showing a completely different amount that did not at all validate or explain the amount they are reporting. In response to my dispute regarding this specific debt, PRA did not send me a single document to validate that I ever had this account, that it is my debt, or that the amount is accurate ; I did not receive a single item from PRA in response to this, other than a recent letter from them offering a settlement payoff that did not address the accuracy or validity of the debt or acknowledge that I disputed this debt. It is my belief that this is not my debt and that is perhaps why they did not attempt to respond with anything, I do not believe this is a valid debt. i do not have this account on my credit report, so I believe the original creditor also does not feel I owe this delinquent debt. It is my further understanding that both CFPB and the DFPI have investigated and filed lawsuits due to this company attempting to collect invalid, inaccurate debts, and sometimes fraudulent debts. To be clear, I am not acknowledging that this debt is mine, I am simply asking for assistance in getting this invalid inaccurate account removed from my credit report. The amount in question for this account per their debt collection letter attempt to me on XX/XX/21 is XXXX
Product: Student loan

During college, I took out a loan from Nelnet for {$3500.00}. Unfortunately, I forgot about the loan because the company sent me repayment information to my old university email, which I no longer had access to after graduating XX/XX/XXXX. Then on XX/XX/XXXX, I was notified of a delinquency on my credit report. I looked into it, and discovered that my Nelnet loan was now delinquent, as I had not made a single payment. Realizing my mistake, I called Nelnet to try and fix the situation. The loan officer promised on the phone that if I paid off the loan in full right now, Nelnet would remove the delinquency and it would not affect my credit score in the future. Because of his promise, instead of making monthly payments on the loan, I paid off the loan in full using my savings. I called two more times after I paid the loan to make sure everything was paid off completely. Both times, the loan officers ensured that the loan was paid off, and that the delinquency would be removed. I assumed everything was done regarding my Nelnet loan. 
However, I checked my credit score earlier this month, and my credit score dropped again. I called XXXX, and the XXXX agent confirmed that my NelNet delinquency was still hurting my score. My delinquency was still on my credit report, unlike what Nelnet had promised. I called Nelnet today to clear up the issue, and the agent this time sang a completely different tune. The agent said that delinquencies can not be removed, and that the delinquency would stay on my report for 7-10 years. I explained that I had paid off my loan in full because I was promised that the delinquency would be removed from my credit report. The agent said she would " look '' into the recordings. But 5 minutes later, she came back saying the recordings could not be found because they were too old. I am very frustrated because I think Nelnet should still have access to the recordings as they are not even a year old ( XX/XX/XXXX ), and may be hiding the calls on purpose. I am also frustrated that Nelnet promised to remove my delinquency, and now claim that they are unable to do so under any circumstance. I researched online people getting delinquencies removed from their credit report, and I am certain that Nelnet can do so also. The Nelnet agent I talked to today said she would also submit a complaint to her supervisor, but I am very skeptical. All I want is for the delinquency to be removed from my credit report as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I sent XXXX letters asking the consumer credit bureau to delete an account from my XXXX credit file. XXXX did not delete the account from my credit file. I sent XXXX a settlement letter I received from the creditor. In the letter, the creditor stated that if I had paid the reduced balance in full on, or before the expiration date, the creditor would agree to delete the account from my credit file. The creditor agreed that I'll pay XXXX on, or before XX/XX/XXXX in exchange to delete the account from my credit file. I paid the creditor in full XXXX with the first payment beginning on XX/XX/XXXX and the final payment on XX/XX/XXXX, before the expiration date. Attached to this statement is the entire transaction history of the payments made by me to the creditor, I also sent the transaction history to XXXX on XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I received a phone call from Credit Corp Solutions Inc about a debt that I am unfamiliar with several months ago, and was continually pressured to make a payment over the phone at that time. Not recognizing the debt, I requested information be mailed to me, but they did not have my current address information ( or any past address on file that I can recall ). Being more than a bit suspicious, I didn't care to provide this additional info to them. Instead, I provided my email address and requested information that way. I never saw any info come through ( it may have been overlooked in spam ), and assumed that it was a fraudulent call and that the fraudsters had given up. I again received a call today, XX/XX/XXXX, at approximately XXXX XXXX  central time. I don't generally answer unknown numbers ( but I was expecting another call ) so they may have tried calling between these times as well. Again, I was pressured to make a payment over the phone for this unknown debt, and again, I requested information be sent to me. This time, I located an email in my spam folder, but it did not really provide me with any more useful information than I had already been told over the phone. The first woman also told me that the delinquent account was linked to my actual email, but this was false and I believe it was meant to be deceptive. Eventually, I was directed to a so called supervisor, and eventually I managed to get information from her that the debt was for a XXXX account opened in XXXX and linked to a XXXX email that I have never seen before. I also learned from the supervisor that they only had my correct email because I had provided it to them on the first phone call. I have only ever had XXXX XXXX account, which I opened in XXXX and has been linked to my actual email address since day one. I asked how it was possible that I could owe XXXX money directly when it was simply an online processor for payments linked to other accounts/credit cards, and was just given a runaround. I also have had multiple accounts with various credit monitoring agencies through credit card accounts for many years, and have never received any alerts of this supposed 8 year delinquent debt that I am aware of. I informed them of this, and suggested the collection agency take it up with XXXX, from whom I assume they had purchased the debt. I was informed that I was responsible to prove this account was fraudulent and later told I would need to get a police report, a signed affidavit, etc in order to dispute the debt. I told them this was not my problem and was then told that I would just keep receiving phone calls until I paid the debt and that it would affect my credit. I then informed them that I would pursue legal action if my credit was affected adversely in any way and that I would be reporting them to the appropriate government agency. The supervisor told me that they 'were a reputable company ' as though I should just take her word for it. I continued to get no where with the supervisor, and became more irate until she informed me they would just keep harassing me until I resolved the debt and terminated the phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account Number : XXXX Please remove it from my credit report 2.Validate Account XXXX  Account Number : XXXX Please remove it from my credit report. 
3.Validate Account Account Number : XXXX Please remove it from my credit report. 
4. Validate Account Account Number : XXXX Please remove it from my credit report. 
5. Validate Account Account Number : XXXX Please remove it from my credit report.6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
6.Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8.. Validate Account Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have several unknown addresses and inaccurate file information that needs to be updated properly. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE FOLLOWING UNKNOWN ADDRESSES THEY ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the extra name from my credit report. According to 12 CFRPart1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. C- Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX standards. 
PLEASE REMOVE THE FOLLOWING NAMES THEY ARE NOT ACCURATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of fraudulent accounts and inquiries from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following items have been fraudulently added to my credit file without my authorization : Accounts to Be Blocked and Deleted : XXXX XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$6700.00} XXXXXXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXXXXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXXXXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$470.00} XXXX. XXXX XXXXXXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$2100.00} Inquiries to Be Blocked and Deleted : XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX ACCOUNT NAME : XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX Account Name : XXXX XXXX Account Number XXXX XXXX