23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally dispute the debt referenced I want to make it clear that I have no knowledge of this debt and believe it may be invalid. Therefore, I request that you verify this debt, as I have reason to believe that this account may have been discharged, settled, or is otherwise not legally binding.

Specifically, I am concerned that this debt might have been sold to your company after being discharged or settled with the original creditor or another debt buyer. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : 1. Validation of the Debt : Provide all relevant documentation that proves this debt is valid and that I am legally obligated to pay it. This includes, but is not limited to : The name and address of the original creditor.

A copy of any agreement or contract that I may have signed with the original creditor.

Proof that the amount you are seeking is accurate and legally collectible.

2. Chain of Ownership : Provide documentation showing the chain of ownership of this debt from the original creditor to Portfolio Recovery Associates, including proof that the debt was not discharged or settled prior to your acquisition.

3. Details on Previous Payments or Settlements : If any payments or settlements were made on this account, provide detailed records of those transactions.

Until I receive the requested information and validation, I request that you cease all collection activities related to this account, including but not limited to reporting this debt to any credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF THEFT THESE ACCOUNT WAS OPEN WITHOUT MY CONSENT
Product: Debt collection

This complaint is based on violations of the FDCPA and the FCRA by the Respondent. 

___ On XX/XX/XXXX, I reviewed my credit reports and saw a collection account by the respondent. This was the very first time I discovered the alleged debt. The respondent never mailed me an initial letter, and did not instruct me of my right to dispute the debt as required by the FDCPA. 

___ On XX/XX/XXXX, I disputed the debt directly with the respondent in writing. In my letter, I included the CFPB standardized dispute letter for the respondent to validate the debt. Attached please find a copy of my certified letter to this complaint. 

___ At no time did the respondent validate the debt, or even provide me with the name and address of the creditor, or the amount owed. 

___ I then disputed the account thru the credit reporting agencies. In my dispute, I stated that I had no knowledge of the account, and that the respondent failed to validate the debt as required by the FDCPA. 

___ I received the results of the investigations from the credit reporting agencies, where the respondent failed to cease collection of the debt, as they falsely verified the unsubstantiated debt to the credit reporting agencies. 

___ The respondents failure to validate the debt can only be construed that they have no materials to rely upon to tell any credit bureau that they verified the account. 

___ It is well settled case law that a debt collector who allegedly verifies information to a credit reporting agency without account-level documentation in their possession is in violation of section 1681s-2 ( b ) of the Fair Credit Reporting Act. See Hinkle v. Midland Credit Management , Inc, No. 3:2013cv00033 ( S.D. Ga. 2015 ). 

___Based on the aforementioned facts ( and supported by the attached certified letter ), the respondent engaged in following wrongful conduct : ___ ( a ) Violation of the FDCPA 15 USC 1692g in that they continued collection activity before validating the debt.

___ ( d ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt.

___ ( c ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( A ) in that they failed to conduct a reasonable investigation of my dispute to the credit reporting agencies.

___ ( d ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) in that they failed to modify, delete, and/or permanently block the reporting of inaccurate or unverifiable information on my credit reports.
Product: Vehicle loan or lease

I got an auto loan with Huntington National Bank in XX/XX/XXXX. The bank brokered the auto insurance with XXXX XXXX. My car was totaled by flooding on XX/XX/XXXX. On XX/XX/XXXX, the insurance company supposedly sent a check for the damage to pay on my loan but sent it regular mail and the bank stated they didn't receive it. On XX/XX/XXXX another check was issued by XXXX XXXX, the bank supposedly didn't receive it. Then when I informed the insurance company I was getting an attorney, the adjuster hurried to hand write a check and sent it fed ex to Huntington Bank and the bank confirmed with me that they received it on XX/XX/XXXX but it didn't have an account number on it and they didn't know what they were going to do, either reject it or credit it to my loan account. To date, I have spent numerous hours trying to reach this bank for wait times of over an hour, i have scheduled calls through my bank app and each time someone calls, they never know what is going on. I have requested supervisors to call me and they do not, I actually spoke with a supervisor this evening when I spoke with the auto loan services and that supervisor was supposed to call me back ( her name was XXXX in the loan processing services, Escalation dept ) and she did not. I have called numerous numbers and finally called the mortgage dept who got the loan dept on the phone who then said that he was working from home and a supervisor would call me back and then he hung up on me while I was trying to ask a question. The issue is with the bank and the insurance company they referred me to and brokered for. My husband and I both have lost wages. I work for the welfare dept and husband works for the largest XXXX  home in the state, DURING A PANDEMIC, and we have a child. We cant get to work to have a full time work week, we are paying people to give us rides or transport our son to school and back and to his sporting events that we are missing because we cant even get there. He is in high school and does not always play local for us to get a ride. I have spoken with my bank three times this week trying to find out why they haven't credited the nearly {$9000.00} check to my auto loan since XX/XX/XXXX. They are aware of the employment we have and the gravity of the situation that this bank and the insurance company they brokered for, have caused and to date, I still do not have a disposition of what they are doing with the check but it is my understanding that the auto insurance did not include the account number on the check of which to credit the payment. It does not make sense to me that they can not contact each other and have this resolved two months ago but we continue to spend money for transportation while I continue to pay on a car loan for a car that is totaled and I shouldn't even be paying this interest rate on this loan because its no longer a car loan and is unsecured. Their excuse is that they are merging with XXXX bank and this has caused them some type of inability to continue functioning as they have before which is completely inexcusable to cause hardships to customers.
Product: Credit reporting or other personal consumer reports

I a consumer have been a victim of identity theft. Due to this fact my consumer report has been unjustly damaged and my consumer report is now inequitable. Furthermore XXXX XXXX XXXX Definitions states Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX  days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX ) the financial institution and the Consumer reporting agencies EXPERIAN and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to EXPERIAN, XXXX, ( XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. I have also included and identity theft report with this complaint in the attachments below
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX around XXXX XXXX local time I went to local western union money transfer services to send money to XXXX in the amount of XXXX XXXX ( XXXX ) dollars and additional XXXX ( XXXX ) dollars service fee. 
Went thru the process, handed the money, provided government issued ID and got my receipt with a transaction code. 
With in minutes I got text message from western union telling me the transfer is on hold to review information. I called western union customer service to clarification. The person who answered the phone told me that its just that they want to ask me couple of questions such as my full name, receiver 's name and location which I patiently provided even though all this information is already provided at the local agent 's office. 
then customer service person asked that I need to provide copies of my ID, social security card, passport, via email in order for the money to be released. 
I refused and asked to get refund because I am not legally required to provide copies of personal identifying documents in order to get your service. 
I went back to the local western union agent store to get refund but the agent can not issue a refund because the company put a hold even not to refund. 
The local agent talked to a western union customer service agent asking them to remove the hold so that she can issue a refund but refused the request to the surprise of the local agent who told me that in her fifteen years, she never have this happened before. 
Can a financial services company refuse to issue a refund when they didn't provide the services they agreed? Instead they insist on asking for copies of personal documents. 
This is classical profiling case by this financial service company. They are profiling me!
Product: Student loan

Dear Department of Education, I am writing to request my pre-conversion history for my student loans, which are older than XXXX years old. I have been trying to have my loans forgiven per the Biden Loan forgiveness adjustment announced recent. To process this request, my loan lender needs my pre-conversion history before they can process my application. Most notably the loans that are eligible are I understand that it may be difficult to provide pre-conversion history for older loans, but this is necessary to have my loans reviewed for loan forgiveness. Please let me know what information is needed from me if any. Thank you for your time and attention to this matter. XXXX XXXX XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$6300.00} VIEW LOAN DETAILS XXXX XXXX XXXX XXXX LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$2900.00} VIEW LOAN DETAILS XXXX XXXX XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$2900.00} VIEW LOAN DETAILS XXXX XXXX XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$5100.00} VIEW LOAN DETAILS XXXX XXXX XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$1600.00} VIEW LOAN DETAILS XXXX XXXX XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$6500.00} VIEW LOAN DETAILS XXXX XXXX XXXX XXXX LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$5100.00} VIEW LOAN DETAILS XXXX XXXX XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$6700.00} VIEW LOAN DETAILS XXXX XXXX XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$3800.00} VIEW LOAN DETAILS XXXX XXXX XXXX XXXX LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( SAVE ) INTEREST RATE 7.76 % TOTAL BALANCE {$7000.00}
Product: Prepaid card

I was given a prepaid reward card in the amount of {$1500.00} from my employer from Bank of America. It had an expiration date of XXXX that i did not notice. On that date i had a balance remaining on the card of {$580.00}. I called BoA on XXXX/XXXX/15 to get a new card and was told that they could not renew the card but would send me a check for the balance and it would take 7 to 10 days to get a check. I have not received the check yet and i have made 4 additional phone calls to find out why. During one of the calls, i was told that the check department might not refund my money that was prepaid since the account expired! I consider this stealing my money! I have not been successful in elevating my complaint beyond the lowest level person that answers the phone when i call the number on the back of the card. They keep saying they will make another check request but they can not find out if my money will be refunded. This is totally inappropriate as it is money that was paid to me from my employer and BoA should not be allowed to keep the funds.
Product: Credit reporting or other personal consumer reports

I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.
Product: Debt collection

Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.
Product: Debt collection

Account opened on XX/XX/2021 The amount is {$7500.00} I tried to speak with a representative on XX/XX/2021 and was unsuccessful. 

I would like this removed from my credit report it has been negatively affecting me.
Product: Student loan

I am a cosigner on the loan. My son is the primary and has not maintained the necessary income to make the required payments monthly/annually. I have made payments most years due to his low income. The company will not agree to lower payment terms that are in line with his income. They will offer forbearances from time to time and have offered multiple forbearances over the past several years. The loan is now coming out of a 3-month forbearance effective XX/XX/XXXX. I have been out of work for the past 6 months. My son was unemployed for some time as well. Navient agreed to this last forbearance due to our circumstance. However, XXXX XXXX XXXX XXXX and my work is not always consistent since Covid. His income is still relatively low. XXXX XXXX  did not live up to what it promised and the curriculum ( 10-12 hour days ) was not sustainable for him and he eventually failed the course. The loan has been through 3 different institutions XXXX, XXXX XXXX XXXX, now Navient. The loan of XXXX is now XXXX and payments were {$370.00} to start now $ XXXX. We started making payments in XXXX. We have seen instances where Navient has been required to forgive loans based on their bad practices but they've consistently told us that we do not qualify.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance {$50.00} ; XXXX XXXX XXXX Balance {$330.00} ; XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX Balance : {$8600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$50.00} ; XXXX, XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance {$340.00}
Product: Credit card

In mid XXXX I received a call from a collection agency telling me that I was going to be served court papers that day if I did not pay {$2600.00} from a credit card that I had 15 years prior. This company, XXXX XXXX threatened me that if I did not pay that day that I would be having to appear in court and pay triple that amount in attorney fees. I had recently had a baby and they used scare tactics that made me terrified that if I didn't pay right then I would be owing thousands more. In fear, I signed their paper and paid the fee on my discover card. After the call, my husband came home to me in tears and told me that the cc in question had already gone through collections years prior and that the statue of limitations on the in question charge was past. I immediately called the company back and tried to cancel the payment and they were unwilling to do so. I asked them for the discovery on the card and they said I would receive it in the mail. I had not received any notifications of this prior to their call ( by phone or mail ). And have yet to receive any detailed info that I asked for regarding the card and past payments. I retracted my signature to them by phone and email hours after and they have ignored every request I have made for more info. I opened a claim with the fraud department on my discover cc and they refused to refund the money as well. I was vulnerable and lied to as well as threatened in regard to paying this and they have denied giving me any information that I am entitled to regarding this 15 year old cc balance. Discover card opened a dispute but said it was not valid. I have tried working with discover as well as XXXX XXXX and nobody has helped me in this matter
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year>XXXX  Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I California Business Bu has medical records in my name that I did not authorized this company to have. They are stating that I owed them {$1200.00}. Medical records are personal, and I don't know they got them. I did not authorized XXXX XXXX XXXX XXXX XXXX to give a collection. I have reach out to XXXX Credit Report many time, and I have not gotten any help. My credit is destroyed my this collection Department. 
I want this collection removed off my credit, and I want a investigation done to fine out how this company got medical records that I did not authorized. Can you help me with this situation. I don't think this is fair for a collection company to steal or buy medical records for their own personal gain. 

Thank you
Product: Credit card

My understanding is there are new laws in place that limit the amount credit card companies can charge in fees I am still being charged {$35.00} at XXXX  of the due date. Ever since the law changed I no longer receive email reminders that this card is due and I believe Capital One is just trying to farm extra fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX
Product: Vehicle loan or lease

I have started a payment plan with the company to continue making payments on my car loan and they are to begin making positive notations on my report to the bureaus. My credit report shows the car remaining in charge off status. I was struggling with payments during the pandemic and still managed to keep the payments going. I would like to have the payments made to the company to be reported to the bureau.