23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or about XX/XX/XXXX, I received 3 letters dated XX/XX/XXXX from Sallie Mae. These 3 letters were Notices of Right to Cure Loan Delinquency. I was surprised to receive these 3 letters because I do not owe this debt to Sallie Mae nor did I guaranty any loan to Sallie Mae. The amount of the debt represented in these 3 letters is {$60000.00}. 

On XX/XX/XXXX, I promptly responded to these 3 letters by calling the phone number ( XXXX ) provided in the 3 letters. I disputed the debt and stated that I did not borrow the money nor did I guaranty this debt. I requested an explanation of why I received these 3 letters and subsequently requested verification of this debt. Sallie Mae has not verified that I guaranteed this debt and Sallie Mae continues to collect this debt from me. 

Between XX/XX/XXXX and XX/XX/XXXX, I and my husband had a total of 19 phone calls with representatives of Sallie Mae. My husband and I continued to dispute the debt as not my debt. However, Sallie Mae continues to harass me with collection efforts and maliciously posted derogatory comments on my 3 credit reports ( XXXX, XXXX and XXXX ). 

On or about XX/XX/XXXX, I received a 4th letter dated XX/XX/XXXX. This letter was a Notice of Right to Cure Loan Delinquency in the amount of {$12000.00}. The 4 loans total {$72000.00}. 

On XX/XX/XXXX, my husband received a phone call from a Sallie Mae collector attempting to collect {$12000.00}. Again, my husband explained that this debt was not owed by me. 

Because of the false and derogatory comments posted by Sallie Mae on my XXXX  credit report, my credit score was significantly lowered and I was denied credit by a credit provider on XX/XX/XXXX. Sallie Mae caused me to suffer financial harm. 

Though I deny and dispute that I owe the 4 loans, and Sallie Mae has yet to verify that I owe this debt, Sallie Mae continues to assert that I owe the debt and refuses to remedy the malicious and erroneous postings on my credit reports. Therefore, I am continuously suffering financial harm. 

I will upload letters exchanged between me and Sallie Mae. 

Thank you for your assistance.
Product: Money transfer, virtual currency, or money service

XXXX DEMAND LETTER FOR PAYMENT From XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Cashapp XXXX XXXX XXXXXXXX Dear Cashapp, I, XXXX XXXX XXXX am writing this letter as my final notice for payment. If there is no response to this letter by XXXX XXXX. All legal rights and proceedings shall be explored. Including but not limited to legal proceedings necessary in accordance with state and federal laws. 

This notice of demand serves as official notice to you and may be tendered in court. As evidence of your failure to cooperate. If legal action is to occur to resolve this legal matter. It may involve having you pay attorneys fees. 

I am owed {$1300.00}. On XXXX XXXX i received a payment to payment from cash tag XXXX XXXX in the amount of XXXX. I realized this was an error and immediately sent the money back to the cashapp user. On XXXX XXXX cashapp debited my bank account for the same amount of money that was already returned immediately to the user. Stating that user XXXX XXXXXXXX filed a dispute with her bank. And therefore Cashapp is entitled to collect the funds. 

Cashapp has asked me to recover the funds from the cashapp user, but her account XXXX XXXXXXXX can not be accessed. XXXX XXXXXXXX has called Cashapp multiple times to regain access to her account to return the money to me. But nobody has helped her to regain access to her account. 

The point of the matter is that cashapp illegally debited this money from my bank account. cashapp has failed to communicate with XXXX XXXX bank and advise them through the investigation that the money was already returned immediately to the user. Even though a dispute was filed. Cashapp does not reserve the right to collect on funds twice. I have suffered irreparable harm from this ordeal and I am willing to pursue all legal options. 

I have attached all evidence. 


We hope to resolve this matter as soon as possible.
Product: Credit card or prepaid card

I am a victim of identity theft. The following XXXX credit card account ending in : XXXX is fraudulent, unauthorized and do n't belong to me. I never applied for a XXXX credit card account. The balance of {$4300.00} is fraudulent charges/transactions.
Product: Debt collection

I am aware that according to article 9, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with Sunrise Credit Services , Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2022 I have not received any documentary evidence such as a trilateral contract giving Sunrise Credit Services , Inc any right to collect on this alleged debt. I have never received any documentation requesting validation from Sunrise Credit Services , Inc XXXX If Sunrise Credit Services , Inc can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until Sunrise Credit Services , Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Sunrise Credit Services , Inc continues its collection efforts, I will file for litigation for actual damages caused and Sunrise Credit Services , Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Mortgage

A payoff request was requested several times. The same amount was sent by fax and given by phone 2 weeks in a row. I was advised it was good for 30 days. I even called at the closing table on Thursday, XX/XX/2021 to confirm the amount. SPServicing was called to advise we are at the closing table are the figures correct to submit the payment. XX/XX/2021 the company called to say that they returned the check for the amount of {$150000.00} because it was allegedly short {$1500.00}. As of today no one can say where the checks are. The taxes were paid by my Title company.
Product: Credit reporting or other personal consumer reports

I OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION SPECIFICALLY MY PAYMENT HISTORY OF MY XXXX XXXX ACCOUNT BEING REPORTED. THIS FALSE INFORMATION IS SEVERELY IMPACTING MY CREDIT AND I HAVE NEVER BEEN LATE. 

I CONTACTED BOTH XXXX AND THE CREDIT REPORTING AGENCIES REQUESTING VERIFICATION OF LATE PAYMENTS, BECAUSE MY RECORDS INDICATE I HAVE NEVER BEEN LATE. I REQUESTED, VALID DOCUMENTED VERIFICATION, THE NAME OF THE PERSON WHO VERIFIED, AND VERIFICATION PROCEDURES. I HAVE NOT BEEN PROVIDED THIS INFORMATION WITHIN XXXX  DAYS. THESE LATE PAYMENT

S HAVE BEEN UNVERIFIABLE. ACCORDING TO FCRA, 15 USC 1681A ( I ) UNVERIFIED INFORMATION MUST BE DELETED FROM CONSUMER PROFILE, 15 USC 1681 A-2-I
, EXPERIENCES AND TRANSACTIONS OF CONSUMERS ARE EXCLUDED FROM THE CONSUMER 'S PROFILE AND 15 USC 1666B, BILL COMPUTATION ERRORS THAT INCUR LATE PAYMENTS MUST BE CORRECTED AND DELETED BY THE CREDITOR
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 USC 1681. 

Lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This morning my wife received an unknown call from XXXX. She ignored it but then received a call from her brother. Her brother stated that a student debt collection agency had called him and his wife ( my wife 's sister-in-law ) from the same number she had ignored. This happened within a two minute period. They were all trying to get a hold of me and stated that it was an urgent matter and needed to get a hold of me right away. 

I called the number back on my phone. They stated that I had given them all three of their numbers as permission to call them. This is not true at all and a form of harassment. I have no idea how they were able to research and obtain my brother and sister in laws phone numbers. I don't even have my brother and sister in law 's phone number. 

What makes matter worse is that they were trying to get information about me from both my brother and law and sister in law. When they refused to provide information, they kept asking questions about me. 

When I was on the phone with them, they admitted that they already had my phone number and home address. I complained to two people, XXXX XXXX and XXXX stating that from this point on, they could only reach me and to never harass my wife, brother and sister in law in regards to anything about me and my account with them.
Product: Debt collection

One Main loan company is obsessively calling. They have called me in the last 19 days a total of 36 calls
Product: Credit reporting, credit repair services, or other personal consumer reports

I apply for a loan in the amount of {$75.00} back on XXXX and I paid it off on time and now its still reporting as a 30 day late payment with XXXX and possible finance said they will remove it off my file and it been a month so far and I send them documents and money orders and paperwork from XXXX XXXX so I technically send {$75.00} twice and this loan is still reporting late as of XX/XX/2021 and I no longer want to borrow from them again
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and was shocked to discover that I am a victim of identity theft. I found multiple accounts that were not opened by me, which have been damaging my credit as I'm in the process of buying a new home. Please remove these fraudulent accounts from my report immediately. I am requesting that the company does what is fair and deletes the items identified as identity theft from my report. The accounts listed are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX The account number is from a previous dispute that was sent a few days ago. Equifax now wants me to send over all my information to them but I have done this multiple different times. They have a glitch or lazy and constantly makes me do all the work. At this point I want to get a lawyer. They have done disputes for me before and I have emails to prove it. This company is setting me back from purchasing a car and a home because they are not reporting my positive information. 

In 2020 I sent over my id and utility bill and other information to them over 4 times. I have access to equifax.com but they are not reporting my information. They are making me go in circles for no reason. 

I have attached the letter they sent me Along with previous disputes I have had with them. 

I SENT THAT BECAUSE THEY HAVE MY INFORMATION. THEY MAKE YOU GO THROUGH LOOPS FOR NO REASON. JUST UPDATE MY INFO! THE POSITIVE INFO!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report, which I recently obtained and reviewed. The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies ( CRAs ) maintain accurate information in credit reports. However, I have found that there are several inaccuracies in my report that are in violation of the FCRA. 

Firstly, the following personal information is incorrect and belongs to someone else : Account Number : Former : XXXX XXXX XXXX Account Number : Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX Employers : XXXX XXXX XXXX  Employers : XXXX XXXX Employers : XXXX Under the FCRA, CRAs are required to investigate and correct any inaccurate information within 30 days of receiving a dispute. Therefore, I request that you delete this inaccurate personal information from my credit report as soon as possible. 

Additionally, there is an unknown account listed on my credit report : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX have never had any business relationship with this company, and therefore this account does not belong to me. Under the FCRA, I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. I kindly request that you remove this unknown account from my credit report immediately. 

I understand the importance of maintaining accurate information on my credit report, and I urge you to comply with the FCRA by conducting a thorough investigation and correcting any inaccuracies in my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

i got the banks response to my inquire that is wrong my situation has changed but the payment should be a lot lower than it is do n't you think look at the high interest you do n't know if the situation has changed or not just guessing but it has changed my brother just got a new job but you see the payment ever drops at all the payment is to high for anyone does matter of any situation thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax : Fraudulent activity on account and incorrect and inaccurate accounts XXXX XXXX : XXXX Acct. XXXX XXXX * XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  HAS AN ACCOUNT AVANTE USA ON MY CREDIT REPORT THATS NOT MINE.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.
Product: Credit card

Wells Fargo issued XXXX credit cards to me with the last XXXX numbers of the credit card being XXXX and XXXX. In each case, I was the only applicant, am the only Card Holder and primarily responsible for both accounts. The card ending in XXXX is a personal card in my name. The card ending in XXXX is a corporate account. In each case XXXX XXXX is listed as a card holder and primarily responsible on the card ending in XXXX. Wells Fargo refuses to remove XXXX XXXX from both accounts. This has been going on for 3 months and I have wasted countless hours with Wells Fargo and keep getting shuffled around. 

Today I have been on the phone being shuffled through their maze of incompetents. 

They are : XXXX, XXXX, and XXXX. Countless holds and senseless answers and no corrections. XXXX put me on hold XXXX minutes ago and just hung up the phone. XXXX professes to be in the XXXX offices. XXXX months ago, the executive offices were handling this problem and last week they sent me a letter saying that they needed more time.
Product: Debt collection

This letter serves as a formal request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), for you to cease and desist all communication with me regarding the alleged debt associated with the above-referenced account number.

Please note the following : 1. I am exercising my rights under the FDCPA to limit or completely cease communication from your office.

2. All future communication, if necessary, should be made in writing to the address listed above.

If you believe this debt is valid, I request written verification of the debt, including the original creditors name, the amount owed, and any relevant supporting documentation.

Be advised that failure to comply with this request may result in legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the state attorney generals office. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

" I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolve. I request immediate investigation and removal of this, as it is incorrect and does not reflect my true credit history. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  or Equifax didn't fix error, they ask me to send documents that I already sent. I will resend AGAIN FOR THE SECOND TIME, my social security card I lost it a few years ago please see passport and photo id
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed this file which does 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 these items which are found to be fraudulent due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OK XXXX, XXXX Inquired on XX/XX/2XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I discovered hard inquiries on my XXXX, Experian, and XXXX credit reports. The following institutions had requested my credit information from the following credit bureaus : XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  Experian : XXXX XXXX  ( twice ), XXXX XXXX XXXX XXXX I do not recognize these institutions, nor have I applied for any product with them, especially XXXX that would require my credit information. 

I called XXXX XXXX XXXX XXXX. They claimed they had no record of my information or a request for a financial product in their system. I asked them to then correct the hard inquiry. I was told they can not fix the hard inquiry because there is no record of an application containing my social security number. 

I called XXXX XXXX XXXX, but the number listed with the hard inquiry on my credit report was not a valid number. 

I called XXXX XXXX, but they, ike XXXX XXXX XXXX XXXX, claimed they had no record of my information or a request for a financial product with my social security number attached to it, in their system. 

Experian does not provide an option to file an online dispute against hard inquiries. I called Experian 's phone line but could not get a live a representative. I called their corporate office for help, but was repeatedly transferred to the same line that did not provide a live person to talk to. After numerous calls to get help, I reached a man named XXXX who said that Experian had no responsibility to remove the hard inquiry or do an investigation around it, and suggested I go directly to the creditor, by mail, and have it removed. However, he could not give me any instructions on how or where to contact the creditors to get the hard inquiries removed. 

XXXX does not provide an option to file an online dispute against hard inquiries. I completed an online chat with XXXX, and the representatitive insisted that I have to go to the creditor whom placed the hard inquiry to get it removed. I explained what had transpired when I contacted the institutions to have them remove the inquiry, but XXXX insisted that it was not XXXX 's responsibility to remove it or even verify that the request for my credit information was a valid request. 

I was able to file an online dispute with XXXX regarding XXXX XXXX XXXX. I have yet to hear back from them.