23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There is a debt on my credit report for {$340.00} from a company called S.W credit systems.I have no idea what this is from.or why it is on my credit.I have never done any sort of business with this company. I tried looking up the company 's number and called the number I found but couldn't get through to a representative.
Product: Credit reporting or other personal consumer reports

My repeated efforts to correct fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These entries have severely disrupted my life, causing extreme XXXX XXXX XXXX I must emphasize that I never authorized this information to be associated with my name- I am a victim of identity theft.
Product: Debt collection

XXXX hired Financial Asset Management Systems ( FAMS ) to collect on private student loans. Financial Asset Management Systems ( FAMS ) is not reporting all the payments that I have been making since XX/XX/XXXX/XX/XX/2015. I made payments in XX/XX/2015/XX/XX/2015 to FAMS which are not being reported to the balance. FAMS has illegally not reported all the payments that I have made on my account. I took a screenshot of the payments that are being reported via FAMS online payment system but they do n't reflect payments from XX/XX/XXXX/XX/XX/2015. The payment system is not reporting payments made in XXXX/XX/XX/2015 which is illegal and is a deceptive business practice and illegal debt collection practice.
Product: Student loan

I graduated a little over 2 years ago and my experience with Sallie Mae has been abysmal to say the least. There has been a lack of continuity from customer service, I have been yelled at by managers, and no one ever seems to know what is going on with my account. I was enrolled in their term-rate modification program and made my 3 qualifying payments on time. I specifically asked to have auto-drafts on the XXXX of each month. I initially ran into problems when my account manager accidentally enrolled me in the program with the wrong date. Subsequently, my account was charged for the amount and incurred overdraft fees for Sallie Mae 's error. I called and informed them of the issue, and they stated I would need to print and fax over the overdraft fees so that they could resolve the situation I do this and a week goes by they claim they had n't received anything ( even though I received a fax confirmation ). After running in circles with Sallie Mae I finally get a manager after calling at an inconvenient specific day and time and he has me email him the statement of charges. Everything is rectified and I begin the program. I was leery of setting up auto draft payments after the nightmare I experienced, but I did anyway to remain in good standing with my creditor and ultimately be responsible. Much to my dismay, and to no surprise my account again is drafted on the XXXX of the 4th month 1. for an amount that was not agreed upon ( less than the agreed upon amount ) 2. for a date that was not agreed upon. I call Sallie Mae they are unaware of the agreed upon amount and they are emphatic that the date in question was correct. I am now over a month behind on my student loan payment and had to close my bank account because the overdraft fees and surcharges were well over {$500.00}. Sallie Mae is worthless, incompetent, and criminal. If at all cost I would avoid doing any business with them. I would n't borrow water from Sallie Mae if they were selling it they are certified crooks with little interest in the consumer satisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone was able to use my information to obtain goods and services. I have asked these companies several times to remove the information or verify the inaccurate information. 
I am requesting a signed copy of the agreement which i have no knowledge of. 
I have notified all companies this information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is still reporting a balance on a dental healthcare credit card account that was settled. On XX/XX/2021 a settlement was agreed to with Wells Fargo in the amount of {$2100.00} which was 40 % of the original balance owed of {$5300.00}. The agreement stated that the account would be updated to reflect a {$0.00} balance owed and settled for less than full. On XX/XX/2021 I reviewed my reports and found that the account is still reporting a balance in the amount of {$3200.00}. I contacted Wells Fargo and was told that indeed the account is settled and there is {$0.00} balance owed, they are sending me a letter stating as such. I inquired as to why it was not updated accurately on my reports and was told that the balance will remain on my reports even though the account is settled? This does not comply with the FCRA which states that creditors must report information accurately to the credit bureaus.
Product: Credit reporting or other personal consumer reports

These Accounts have violated my rights According to FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. 
I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. 
PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, XXXX, AND TRANSUNION ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. 
PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. 
YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. 

FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. 
Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding : Comenity Bank - XXXX XXXX credit card account ending in XXXX Subject : Incorrect Credit Bureau Reporting for XX/XX/2019 Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, Texas XXXX Phone Number : ( XXXX ) XXXX Account information dispute : This one late payment ( I believe it was a combination of being a day late and processed untimely by Comenity Bank per their admission hence the late fee reimbursement that month ) is the only blemish on my otherwise perfect credit history and is causing problems with my current mortgage refinance. I placed numerous courtesy requests with the Comenity Bank Customer Care Team to reconsider this negative reporting for XX/XX/2019. I truly believe they refuse to do their due diligence to see why they reported this payment as late.
Product: Debt collection

I have a signature loan with XXXX XXXX in XXXX that is behind. I have asked them repeatedly not to call my work number but they continue to do so. 
Voicemails and call logs can be pulled if needed.
Product: Credit reporting

XXXX XXXX placed me in Equifax credit reporting for a {$230.00} bill they claim I owe. I have never in my life gotten any thing from XXXX. They said I purchase cellular service from them. I do not have cellular service with XXXX. I have never been in either XXXX of their stores. They claim I signed my name XXXX XXXX. The Rep got very smart with me and told me over the phone that I did sign the documents. She said I sign my name XXXX XXXX this is something I never do. I sent them XXXX letters XXXX of which was notarized by my bank. They never responded to either of my letters. When I saw the credit report from Equifax I told Equifax I did not get any thing from XXXX XXXX but they never did any thing about it. I have never even so much as gotten a bill from XXXX XXXX. I did not fine out about this until I got a copy of my credit report and they were listed on it. Sometime later they sent a letter saying I did owe the {$230.00}. They never sent me any documents to see the signature on the documents. Instead they say I owe the money. They will not send any copies of the documents. they never answered any of my letters. Not a XXXX XXXX of them. I did not get any thing from XXXX XXXX. To be totally honest with you I do not like XXXX XXXX products they are too high with their products and I told them that. I have never had any products from XXXX XXXX. I got my phone from XXXX and I have had my phone for over 4 years and before that I had XXXX on a contract with some XXXX else for over 6 years. I have never owned a XXXX XXXX phone and I would not have XXXX if they gave it to me. They are just to high for me when I can go to XXXX or XXXX and get the same phone for a lot less money. Right now I have a XXXX phone. It has the same features as a XXXX phone. I want them off of my credit report. This is a fraud. They never sent me not XXXX bill but they put it in with Equifax and said I owe them this money. I do not owe XXXX XXXX any thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX alerted me that XXXX opened a credit file on me twice since XX/XX/XXXX. I never requested products or services from XXXX. The only option for resolution was to send an email to XXXX, which I did on XX/XX/XXXX. XXXX should not be able to open such a credit file without a request from me. I fear someone else may have done so fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I submitted a dispute with Experian requesting that my name and address be updated to my current name and address, as well as all of my old names and addresses be removed from my credit report as they are no longer valid nor accessible by me to be used or receive mail at. Experian emailed me back XXXX XXXX, XXXX, refusing to delete the old information. All of this information has been deleted from the XXXX as well as XXXX ; therefore, there should be no valid reason that Experian should not do the same. They are in violation of the FCRA since this information is inaccurate.
Product: Debt collection

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 and 15 USC 1681s-2, I am disputing the accuracy of the information reported regarding the following account. I request immediate correction or deletion of the inaccurate information. Additionally, I demand that you cease and desist from all forms of communication with me, including phone calls, emails, and letters, in accordance with 15 USC 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). Below are the details of my dispute : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Discrepancy : This account is reported as a collection with a balance of {$440.00} and an original balance of {$380.00}. The date of the first delinquency ( XX/XX/XXXX ) and last payment details are inconsistent or absent. Payment history reflects ongoing collections inaccurately.

FCRA Violation : Per 15 USC 1681s-2 ( a ) ( 1 ) ( A ), furnishers must report accurate information. The failure to provide accurate dates and payment history misrepresents the accounts status, violating the FCRAs mandate to ensure maximum possible accuracy. 
FDCPA Violation : Cease and desist all communications in accordance with 15 USC 1692c ( c ). 
Relevant Case Law : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court emphasized the importance of accuracy in credit reporting and the responsibility of furnishers to correct inaccuracies. 

FDCPA Violation : Cease and desist all communications in accordance with 15 USC 1692c ( c ). 
Relevant Case Law : In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court emphasized the furnishers duty to investigate and correct inaccurate information.

Request for Action I request the following actions : Conduct a thorough investigation into the inaccuracies outlined above.

Provide me with a corrected report and written confirmation of the resolution. 
If you find the information to be accurate, provide me with a detailed explanation and evidence supporting this conclusion. 
Failure to correct this information will compel me to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action to enforce my rights under the FCRA and FDCPA. 
Please confirm receipt of this dispute within five ( 5 ) business days and complete the investigation within the 30-day timeframe as stipulated under 15 USC 1681i .
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Dear Sirs, Half year ago I have paid my debt to collection company, but the record of that collection still exist on my XXXX and Trans Union credit reports. 
This is the record : XXXX XXXX XXXX XXXX XXXX   Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX - Collection company
Product: Debt collection

According to Federal Trade Commission guidelines, a debt collection can not be valid without the following criteria from a debt collector : The debt collection must be bonded and licensed. There are no licensing requirements in the state of New York, but the collection firm must show evidence that they are registered to do business in the state of New York through the Office of the Secretary of State in XXXX, New York. No such proof has been submitted with the attached letter. The debt collector must be bonded, no proof of bonding was submitted. A signed copy of the legal right to collect must be submitted showing proof of any power of attorney, transfer rights or ownership. No such documentation was ever submitted. Accordingly, the attached attempt to collect a debt on behalf of XXXX XXXX is deemed VOID. My complaint for such documentation will stand in any state or federal court. Therefore, I demand a full compliance before Allied Interstate attempts any debt from me personally without proper documentation.
Product: Mortgage

Recently I applied for financing and was denied do to a company called RCS that started reports lates to my account this year and updating the date of last activity on a loan on a property that was foreclosed on in Texas in 2009. The 7 year statute of limitations is up and they are violating the FDCPA by buying this debt and reporting newer dates to try and collect. I disputed with the bureaus and they verified the debt but provided none of the documentation they need to have in order to report it. I also sent them a letter directly to validate the debt which they still have n't done. They are illegally affecting my ability to refinance my home. My husband passed away recently who was also an owner on this property and I am struggling and need to refinance my home.
Product: Credit reporting or other personal consumer reports

I called to XXXX XXXXXXXX XXXX in XX/XX/year> requesting them remove the false late payments from my account, as the I asked to sent a ledger verifying payment dates vs due dates. no information was ever sent over and they totally ignored my inquiries.
Product: Credit reporting or other personal consumer reports

I called in a few times in XXXXXXXX XXXX XXXX to please update the information accurately to my credit report that I paid XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023 on time and in full and they ignored me and told me that my mind was playing tricks on me and that I am crazy. I asked for a manager and it hung up on me.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block 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 XXXXXXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX  XXXX Balance : {$16000.00XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX ) XXXX Balance : {$7100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$26000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Student loan

My name is XXXX XXXX ( account number XXXX ) and I have a federal student loan with MOHELA.My balance on loan keeps increasing daily by couple of dollars .As of XX/XX/year>, the balance was XXXX .Yesterday on XXXX XXXX the balance was XXXX XXXX .On Saturday XX/XX/XXXX the balance was XXXX is it possible that my balance keeps increasing on daily basis by couple of dollar? It is impossible to keep up with it!
Product: Debt collection

Good Evening Mr. XXXX XXXX, According to the recorded conversation this evening, XX/XX/2019, XXXX XXXX  decline electronic payment of {$6200.00}. 
I am disputing this debt, ( interest ) XXXX XXXX did not provide a balance due until XX/XX/2019 due to policy which has not been shared and as result the new owner has enforced interest. 

I would appreciate a letter from XXXX XXXX stipulating policy below ; " That is because it is our policy that we dont issue statements unless there is a promise to pay. This reduces the amount of unnecessary paper being sent to our customers. We do not provide policies in writing to our customers, hence why you do not see it there on the document ''. 


Thanks XXXX XXXX XXXX. 

I met the terms of 12months payment, with a $ XXXX credit, however XXXX XXXX XXXX  refuse to provide me my new balance for future payments until XX/XX/2019, due a policy. I've asked several times for the policy to be shared, it never was, with new owner. 
Debt clock has reset, enforced interest rate, and lien on home.
Product: Credit reporting or other personal consumer reports

I am writing you about the compromising of my social security number due to the Equifax Data breach. Which has resulted in me being a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX XXXXXXXX. I have also included a signed and notarized copy of my Affidavit of Facts and Truth. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following account does not belong to me and is a result of fraud that I did not authorize : XXXX. 
XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXXXXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( 2 ) ( a ) ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumers report. The following reportings are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be removed from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXXharge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!