23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Dispute of Collections Account Pursuant to 15 USC 1692g ( a ) To Whom It May Concern, I am writing to formally dispute the validity of a collection accounts appearing on my credit report. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g ( a ), I am requesting detailed validation of the debt in question. 
LVNV Funding XXXX XXXX XXXX XXXXXXXX XXXX I am exercising my rights under the FDCPA to request the following information. 
1. Verification or proof of the alleged debt, including the original credits name and address.

2. Documentation evidencing that the collection has legal authority to collect this debt.

3. A complete accounting of the alleged debts, including all char, fees, and interest applied. 
I also request that you provide me with a copy of the agreement that authorities the creditors to assign or sell the debts to the collection company. Furthermore, please provide verification that the statute of limitations on the debt has not expired. 
I understand that under 15 USC 1692g ( a ), you are required to provide me with the requested information within 15 days of receiving this dispute. Failure to do so will result in the assumption that the debt is not valid, and you must promptly remove it from my credit report. 
Please send all correspondence regarding this matter to the address listed below. I appreciate your prompt attention to this dispute and your compliance with the FDCPA regulations Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

SeedFi offered a credit line of {$1000.00} with monthly payments by debit/ach into a separate savings account that is available for withdrawal at {$500.00} increments. in exchange for the consideration of the monthly payments, SeedFi will report a tradeline to the credit bureaus of {$1000.00}. the contract states that the tradeline will be removed only if i default on the payments or prematurely close my account. i always kept my account in good standing and met my obligations under the contract. 

SeedFi sold to XXXX and terminated my account after the sale, rather than maintain and service the existing accounts when XXXX XXXX  institution buys another. because the value of the company sold/purchased is determined by its accounts. In doing this, XXXX defrauded me by accepting monthly payments ( civil theft ) without giving me any consideration for my payments by giving me the product i was enticed into paying for : credit reporting of {$1000.00} trade line. XXXX removed the tradeline from XXXX, causing my score to drop XXXX points, instead of keeping it open or report is as closed and good standing. removing the tradeline entirely makes the entire transaction and contract fraud and unfair and deceptive trade practices. the credit line, loan payments made, all for nothing and resulting in the opposite of what they advertised : negative credit score, rather than a positive improvement. the SeedFi tradeline created an increased credit score after payments were reported. when XXXX suddenly removed the tradeline, it resulted in the loss of any credit reporting benefit retroactively, resulting in XXXX XXXX being enriched by monies i paid them under false pretenses. XXXX XXXXSeedFi violated federal credit reporting law, TILA, TISA and other federal laws and regulations concerning credit, banking and lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX {$2800.00} ; XXXX XXXX XXXX XXXX {$2600.00} ; XXXX XXXX XXXX {$120.00} ;
Product: Credit card

This is a complaint regarding the credit sales practices of Macy 's department stores. When I was checking out to purchase an item a few weeks ago, I was convinced by the sales agent to purchase the " Thanks for Sharing '' promotion. The agent told me that I would receive 10 % of the purchase price as a statement credit in exchange for paying the enrollment fee of {$25.00}. She confirmed that the 10 % off would directly reduce my statement balance. As a result of agent 's statements, I purchased enrollment in the program and also purchased a more expensive item. 
I received my XXXX/XXXX/2016 statement and there was no statement credit for 10 % of the purchases. I called the customer service line listed on the statement. I explained the situation to the telephone customer service representative who told me that the sales agent told me false information. The representative told me that the 10 % does not come as a statement credit but rather as a rewards credit and later on, I would get a gift card. I am not in a Macy 's rewards program and my credit card account statement does not have any information stating rewards were accrued to me. I asked for a 10 % credit to be applied to my account ( what I was promised when I purchased enrollment ) and that request was denied by the representative. I asked for the terms of the program to be sent to me and to have someone call me back regarding my complaint about the program. The representative told me she would have the program terms sent to me but expressed doubt as to whether anyone would contact me regarding the program. 
The deceptive statement by sales agent resulted in me purchasing a temporary add-on credit card product that will not provide the benefits promised. From what I was told by the customer service agent, my lack of enrollment in the rewards program precludes my accrual of benefits in an alternative, inferior, method of benefits. Macy 's should not have sold me an enrollment in XXXX program that requires membership in a second program when it knows that I am not a member in the second program. 
I would like a 10 % statement credit to be provided. Additionally, Macy 's should provide comprehensive training to its sales employees and implement a system of controls to manage the risk of making deceptive claims in sales.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you well. I am writing regarding the above-referenced account in my credit report ( Account # : XXXX ). Please note that I am not disputing this account. However, I kindly request additional information for my records regarding this account. Specifically, I would like the following details : Date of first delinquency associated with this account. 
Date of the last payment made on the account. 
Date of charge-off for this account. 
I would appreciate your assistance in providing these details promptly in writing. If any additional documents or authorizations are required to process my request, please let me know at your earliest convenience Thank you for your prompt attention to this matter. I look forward to your response.
Product: Student loan

I have a student loan through Mohela, which is currently eligible for XXXX XXXX XXXX XXXX. 

From XXXX to XXXX of XXXX, I made XXXX payments during a forbearance period that were not required of me. 

In XXXX of XXXX, I made a refund request to have the money returned to me, which Mohela let their customers know was available. 

From XX/XX/XXXX through XXXX of XXXX, I called Mohela customer service multiple times to check on the status of the refund. 

I received multiple different answers from various employees of Mohela regarding to process for the refund. 

One of the more recent calls I spoke with a representative that stated the refund would be processed within XXXX business days and that I should receive the refund in that time frame. 

I then waited the full 90 days and called them back on XX/XX/XXXX. This time, I spoke with a new customer service rep who told me that they needed to escalate the request because it had not yet been approved by Mohela, so therefore was not sent to the Dept. of Education. I inquired about why after several phone calls and reassurances that the request would go through, why this new escalation needed to be done. I explained that over XXXX dollars is not a small sum of money and that I was unhappy with the handling and runaround that I had been getting. 

I then spoke with a supervisor, XXXX, who then informed me that she needed to start a whole new process to have my account " rebilled '' so that they requests could even go through. She refused to give me a time frame, and then confirmed that it may take several months, which is well over the initial 90 day time frame. I asked why these requests were so mishandled and she did not give me an answer. She said this needs to be approved by " upper management ''. However, when asking to speak to someone from this upper management, she told me the best she could do was send an email request which would take several weeks. 

I then inquired if I was entitled to interest for the untimely handling of money that was rightfully mine given how much predatory interest I already pay on these loans, and she told me no. 

I explained to her that I was very unhappy with the mishandling of my request, the multiple different answers that I received, and now having to go through multiple new processes to receive a large sum of money that is rightfully mine. I let her know that I think both her and the people that work under her that I had previously spoken too were bad at their jobs given how many wrong answers and quite frankly complete incompetence in performing the right processes to properly refund me. 

If this is not handled in a timely manner, I will also be planning to take legal action.
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. 

XXXX  Account # XXXX ; has violated my rights. 
Account # XXXX Account # XXXX Account # XXXX 15 U.S.C. 1681 602 A. states I have the right to privacy.

15 U.S.C. 1681 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 accurate.
Product: Student loan

I inadvertently over-paid XXXX of my XXXX Parent Plus loans with Mohela. I say inadvertent because the company never notified me about the fact that I was running into an overpayment situation which would end up leaving this loan with a credit balance. 

I placed several phone calls to the company about what could be done with this credit balance, and received a range of answers from ; " I'm not sure '' to " it might be handled like this ... ... a check issued by Dept. of Ed. -- -refund to the bank account you've been making payments from -- -the credit will be applied to another loan. '' Too many misleading answers to a simple question from customer service representatives who don't know what they're talking about ... ... ... .extremely frustrating! 

When I finally figured out a course of action, I made a formal request to the company to apply the credit balance to another outstanding loan on XX/XX/year> via fax. On XX/XX/year> they said the request would be put into motion and that the transaction would take XXXX to XXXX business days to process. 

Well, here it is XXXX business days later and the transaction still has not happened! Meanwhile my accounts continue to accrue interest. They should be paying me interest on the credit balance that they're not moving. 

In summary, Mohela 's customer service is severely inept! The Department of Education should find another loan servicer that can handle their business in a prompt and professional manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

my rights were violated, XXXX still is reporting a bankruptcy and a late when the company updated saying that information is not true. the XXXX account is reporting closed but its open. Transunion and XXXX are reporting its closed as well. Transunion has a fraud alert in which i asked several times to remove, XXXX are reporting fraud inquires
Product: Debt collection

The company Midland funding has filed a lawsuit against me, after that the original creditor XXXX XXXX has investigated this identity theft and dismissed all debt, The collection company was contacted by XXXX XXXX and informed to cease-and-desist, The bad debt was bought back from Midland funding by XXXX XXXX, yet Midland funding is still trying to collect on the debt they no longer own and also has been found to be under identity theft and has been investigated, I have giving copies letters from the original creditor to Midland funding 's attorneys and the attorneys still persist on suing me for debt that they do not own and have been told that it is under identity theft, also copies of the FTC identity theft reports and police reports and they still ignore that this has been found to be identity theft. I have spoken with XXXX XXXX the original creditor and they are going to resend all their letters to Midland funding. Not only am I being sued for debt that I do not own and that debt that Midland funding does not own but this is also in my credit reports in which they refuse to remove from my credit in which is stopping me from buying a home. I have paperwork with XXXX XXXX 's account numbers and Midland funding 's account numbers on the same letterhead from Midland funding I have also brought this to light and that this was dismissed By letter from XXXX XXXX. Please any help with this would be appreciated.
Product: Checking or savings account

They still place inaccurate information on my credit report stating that the account will still open for our balance of {$260.00} which was fast it was also inaccurate information which violated my rights under 15 USC 1681
Product: Credit card

XXXX XXXX I was checking my Macy 's America Express account online and was shocked to discover that charge had posted to my account for {$1100.00}. I had never authorized this charge, and was not even notify. I have called and file a dispute about this issue with Macy 's serval times, I've never received a respond from this company or alert from Macy 's that a merchant was attempting to charge my account this very large sum without the card being present. Because of this issue my credit score has decease tremendous and I have suffered tremendously as well. For my pain and suffering I would like to be reimbursed compensated {$1100.00}.
Product: Student loan

Well this is a long history of unorganized and in my an unfair money grab scheme. I have always done my best to make my payments, with that being said there have been some tough patches financially for me through out the many many years of dealing with my student loans. Although, 90 % of the time I always make my payments. Sometimes a couple days late but always make the payment. It just never seems like the amount goes down like it should, when I pay over {$300.00} a month year after year you would think it would be noticeable but its not. Below I will list the many frustrations over the many years I have had to deal with when trying to figure out how to navigate the best re-payment plan for myself. 
- Over the past XXXXyears or so I have had to put my loans into either forbearance or deferment several times and was always charged a ridiculous amount of fees, which I thought was not right considering the reason for forbearance is one is struggling financially. 
- When I asked the company what my options were for some temporary repayment relief I was always put directly into forbearance or deferment immediately in which I have used both over the many years paying fees and not realizing the interest accrual. 
- Late fees became a norm for me only because of how my payday landed bi-weekly from my employer, but the payment was made only a few days late which in my mind one should not be charged a late fee in this case. I was making the payment regularly every month for years. 
- When speaking with individuals over the phone I asked several times if they could mail me a hard copy of my loan history because it just seemed like the balance wasn't going down like it should be. Several times I was told they can't do that and several other instances they said " sure no problem '' but I never received the documents. 
Overall, I am not sure what is going on here with the company " Navient '' but my balance seems like its never ending for some reason even after years and years of repaying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint against the credit reporting agencies XXXX, XXXX, and Equifax due to inaccuracies in my credit report, which violate the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, I filed a dispute with Equifax, XXXX, and XXXX addressing incorrect information in my credit report, specifically regarding the following items : 1. Under 15 US CODE 1681s2 ( F ) Reporting Information During Covid19 Pandemic XXXX XXXX Account Number : XXXX Update to paid as agreed. 
2. Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy XXXX Account Number : XXXX Please Delete Immediately 3. Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy XXXX XXXX XXXX Account Number : XXXX Please Delete Immediately 4. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX Account Number : XXXX Please Delete Immediately 5. This is not my name. 
Incorrect Name - XXXX XXXX XXXX Please delete this inaccurate name from my credit report.

6. This is not my address Incorrect Address - XXXX XXXX XXXX XXXX # XXXX XXXX, KS, XXXX Remove this address from my credit report I supplied all required documentation and evidence to support my claim. Unfortunately, even after the investigation, the erroneous information remains on my credit report.Despite submitting a dispute with evidence, the credit reporting agencies failed to correct the errors. This violates their duty to provide accurate information and correct and update information. They also neglected to indicate the dispute by me and provide notification of consumer dispute in my subsequent reports. They also failed to follow reasonable procedures to ensure maximum possible accuracy of my report.
Product: Credit reporting or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft. 

accounts to be removed : 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 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
Product: Checking or savings account

On XX/XX/22 in the morning, my account was fine. Then I was unable to login online in the afternoon. Again, the morning of XX/XX/22, I was locked out of my account so I called Citi. Citi informed me that my savings account was closing out but they would not tell me why. All they said was that I would get a letter in the mail telling me why, within 30-60 days. 

My life savings is in the account- {$18000.00} - and nobody can tell me when I will get my money back. I have a child 's college to pay for soon and need my money back. 

I called about a dozen times and they not only couldn't tell me WHY it was closed, but they kept hanging up on me so I had to keep calling back. I asked to speak with a supervisor many times and they kept saying they were too busy and couldn't find one. 

I can not afford for Citi to just hold my money and not tell me when or how I will receive it back, if ever. This is nearly my life savings in this account that they just decided to close on me with no notice. No email, no phone call, no text, nothing. 

I just want my hard earned money back, and to be done with Citi forever, if they are going to treat their customers like this. 

Please help!
Product: Credit reporting or other personal consumer reports

I didnt authorize these fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date Removal date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Spoke with agency today collection person : XXXX XXXX Account open : XXXX XXXX, XXXX Account closed : XXXX XXXX, XXXX cell phone numbers : XXXX / XXXX collection company has account since : XXXX XXXX, XXXX Balance : {$1200.00} called on XXXX XXXX, XXXX - no follow up manager stated I ca n't help you and ca n't send this account back to original creditor
Product: Debt collection

I have continuously asked them not to contact me at my employers phone number but receive numerous phone calls a day from various phone numbers at my work phone. When asked for their phone number and mailing address the caller refused to give that information until I would give my personal information to her.