23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Collection Account Request for Validation Dear Jefferson Capital Systems , LLC I hope this letter finds you well. I am writing to formally dispute the validity of the collection account referenced below as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and specifically under 15 U.S.C. 1692g ( often referred to as " validation of debts '' ). My full name is XXXX XXXX XXXX, and my account number is XXXX. XXXX Reference Number is XXXX. 

According to my recent credit report, there is an entry for a collection account with the following details : - Creditor Name : XXXX Credit Card - Account Number : XXXX - Amount Due : None provided. 

I am requesting that you provide validation of this debt, including the following information : 1. Proof that I am legally obligated to pay this debt.

2. The name and address of the original creditor.

3. A detailed account statement that outlines the amount claimed, including any charges, interest, or fees.

4. Validation documentation that verifies the debt has not violated any statutes of limitations.

5. Any documentation that substantiates your authority to collect this debt on behalf of the original creditor. 

Please note that until I receive this requested validation, I do not intend to make any payments or acknowledge this debt in any manner. Additionally, under 1692g ( b ) of the FDCPA, I request that all collection activities cease until the requested validation is provided. 

I appreciate your prompt attention to this matter and request a response within 30 days from the date of this letter. 

Thank you for your cooperation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

Credit Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I applied for and was approved for the new IDR SAVE program via studentloans.gov. My new payment amount was calculated to be {$480.00}. See attached status screenshot from studentloans.gov.

However, my loan servicer, Edfinancial, is not recognizing the new payment amount. According to my online account, I must pay {$780.00} by XX/XX/2023. This payment is too high. See attached screenshot from Edfinancial showing the incorrect payment amount.

After my IDR was approved by studentloans.gov, Edfinancial sent me a request via U.S. mail in the beginning of XXXX to provide them with income information. I immediately uploaded my proof of income to their website when I received the request. I do not understand why they would send this request via XXXX mail when they have my email address and I have been receiving other emails from them. I also don't know why they would need proof of income again when this was part of my IDR application. In any case, I have received no further communications from Edfinancial since uploading proof of income and the correct payment amount is not being recognized.

I have attempted to email Edfinancial about this issue and have not received a response. I have tried to call Edfinancial but the wait time is always more than one hour and I have not received a call back from Edfinancial.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted dispute to Equifax regarding an incorrect address on my credit report. 

I received an email that the dispute was resolved on XX/XX/XXXX, 2017. HOWEVER, when I tried to login to the Equifax website to see the status of the dispute and what now shows on my report, I was denied access due to " inaccurate '' information to verify my identity and they asked me a ton of questions verifying my identity and I do n't even feel comfortable giving them all this considering they just lost a TON of my data and others.
I ALSO tried calling and was repeatedly hung up on before I could ever get to a representative.
I want my credit information to be accurate and I saw this address on a different report which was successfully corrected. I do n't want my identity stolen.
Product: Mortgage

This complaint is being filed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, currently representing XXXX XXXX XXXX in the Foreclosure Case against her No. XXXX ( Plaintiff : Santander Bank ).

We have been assisting XXXX XXXX   throughout a Loss Mitigation Process as she works diligently to avoid foreclosure and resolve her delinquency. All documents requested by the Servicer ( also the Plaintiff, Santander Bank ) have been provided and it has been confirmed all documents have been received.

Santander Bank is not accepting the format on which XXXX XXXX gets paid. In an effort to assist the Servicer to verify income, we have provided supplemental income proof ( XXXX Employer Letter and Tax Return ). The Servicer refuses to verify income for XXXX XXXX  and they continue to ask for Pay Stubs to be provided in the specific format they request.

XXXX XXXX XXXX has no other way of showing her income. Her employer will not modify their Pay Stub format for a Loss Mitigation Review. We believe it to be in bad faith that Santander is not considering any alternate way of income verification.
Product: Credit card or prepaid card

Members XXXX XXXX XXXX XXXX change XXXX XXXX to XXXX XXXX XXXX. i start having problems sinceXX/XX/2018XXXX credit card holder increase the minimum payment without notice and increase the interest charge on purchase i don't purchase anything since XX/XX/2018 
XX/XX/XXXX minimum payment was XXXX purchase charge interest XXXX XX/XX/XXXX Minimum payment XXXX purchase charge interest XXXX XX/XX/XXXX minimum payment XXXX purchase interest charge XXXX credit car balance XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXX, XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also I attached the letter I sent out and here is the tracking number # XXXX XXXX XXXX XXXX XXXX. 

According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing multiple inaccuracies. 

Accounts listed Name : XXXX XXXX  Account # XXXX Name : XXXXXXXX XXXX XXXXXXXX Account # XXXX
Product: Student loan

First, I searched the telephone number for Mohela and due to the difficulty to contact them, I try the number XXXX that appears to be from Mohela. The assistant answering the phone had a XXXX accent and provided me with her name and her Id number. Unfortunately, i was not able to copy her name and the apparent ID number, because i was driving ; she ask me first the account number which I did not have and she told me that with the social security number she will retrieve it. So, I did provided to her, she started asking me for my salary and the name of my employer, I told her that I had received a letter from Mohella like two months ago which I was not so clear how much it was my loan debt. The letter was sent to me because I applied for the alignment Forbearance for my loan due to the XXXX. She told me that there were different programs that she could help me to rid of my loan and that I had to do it soon as possible due to the period of to do it is at the end of XXXX. The she told me that I had two options, the first one to pay a total of {$690.00} and the second to pay it in two payments. I told her that my debt was about XXXX and what will happen with the rest of my debt then she told me that once I was able to pay one of the two options, every month i will receive a statement of XXXX dollars, so i did not have to pay anything else. Finally, in order to start the process, she asked me my driver license number which I truly believed that I was talking to a real representative from Mohela, also she asked me for two reference persons which I provided their telephone numbers and their names. What really make have some doubt was when she asked me again how I was going to make the payment, she suggested me credit card. I know that usually government agencies for these purposes never ask payments with credit cards. So, I decided to lie her that I do not have any credit card with me, then I told he that I was going to call her in XXXX hours because I have to reach my home first. Therefore, around XXXXXXXX XXXX. she called with apparently her personal phone number ( XXXX ) which make feel more suspicious about the lady because usually this are not working hours for a government agency. I did not answer, and I decided to call from the number that appear on the letter I received from Mohela and luckily, I was able to talk to a XXXX representative and I was able to explain the situation about the possibility of a fraud and who provided me with all the information where I could request my inquiries.
Product: Credit card

Syncronony bank that have me under XXXX. I been arguing and thought I lie about fraud or XXXX rate delivery service that never sent my 2 big screen tvs or XXXX with games. It is so messed up because they claim they can't give antly information about XXXX $ in tvs that it took so long BECAUSE XXXX  had no delivery service at time then got one but they never delivered 2 big screen tvs. Then I have XXXX but not whattheyvare saying I have. I got one XXXX ago. The way they handled this has made me want to sue them and show how they ly rip people off 3 times now. Well I will sue them cause they have XXXX I XXXX about anything saying I got 2 tvs and XXXX. I forgot about XXXX  but I'd lf I lie about getting tvs or XXXX is a felony. I never recievedcanyb9f these it's. Then they inocked off 5 cedit cars that equalled XXXX XXXX dollars so it now because I never used those cards mean I gave to come up XXXX XXXX in ashso my credit to ratio is XXXX. Never missed 1 payments not one payment on any accounts clever. XXXX XXXX companies have XXXX  a veteran of 4 alwars that 1 award is 4 times over that never got in troubled or lied. XXXX believe especially sycronony XXXX  me XXXX XXXX XXXX XXXX reason. It is illegal tondo this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the XXXXXXXX XXXX  myself, and they have failed to validate that this is indeed mydebt. I have copies of my requests to the XXXXXXXX XXXX  asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. That is because this alleged debt does not belong to me.XXXX XXXX was unable to provide me with the original contract with my signature because none such exist. With no proof of this alleged debt belonging to me Experian you must delete from my credit report immediately. 

Plus the collection agency has provided you with a false and misleading medical account with my name attached to it. You are also not supposed to share anyones medical information without their authorization. So you have now shared someone elses medical information and cost and locations on a strangers credit report? ..which is me. WOW! You have really dropped the ball on this one Experian. This account is not reporting 100 % accurate. You also failed to even note that I the consumer disputed this account on MY credit report, you are really not following the rules. So now you pick and choose which information you WANT TO REPORT on my credit reports. I know that the negative accounts make you more money!
Product: Debt collection

I called this company about the amount they say I owed and to try and settle after they say I owed a lady said that threatened me saying they was gon na see me and take legal action if I didnt pay within XXXX day
Product: Credit reporting or other personal consumer reports

Subjet : Request to Remove Unauthorized Hard Inquiries from Credit Report.

To whom it may concern, I am writing to formally request the removal of Unauthorized hard inquiries from my credit report, in accordance with the FCRA, Section 611. I recently obtained a copy of my credit report from Equifax Reporting Agency and discovered multiple hard inquiries that I did not authorized or initiate. These inquiries were made by : XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX on XX/XX/XXXX. 
According to the FCRA, Section 611 ( a ) ( 1 ) ( B ), it is the responsibility of the credit reporting agency to ensure that all information on a consumer 's credit report is accurate, including the removal of Unauthorized inquiries. As per the FCRA, Section 611 ( a ) ( 2 ) ( A ), these inquiries should only appear on my credit report if there is permissible purpose such as an application for credit or my express consent. I hereby declare that I did not authorize or have any affiliation with these companies on the mentioned dates, and I have not applied for any credit or services with them. Therefore, these inquiries are Unauthorized and inaccurate and they are causing damage to my reputation and my financial well-being. In light of the FCRA, and my rights as a consumer, I kindly request that Equifax Reporting Agency remove these inquiries from my credit report. As per the FCRA, Section 611 ( a ) ( 5 ) ( A ), I have previously sent in all the proper documentation to Equifax concerning these hard inquiries. I also request that Equifax provide me with a written response indicating the outcome within 15 days of receiving this letter. Please note that the FCRA allows for Civil liability for wilful noncompliance, including actual damages, statutory damages, and attorney fees. I hope and pray that we can resolve this matter without resorting to legal action and trust Equifax Credit Bureau will handle this request promptly and in accordance to the FCRA law. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I verified my credit score through the Experian website, and at that point in time, my score was XXXX. Today XX/XX/XXXX, I received an email informing me that there was a change in my credit score. I thought it had increased by a point or two because I have not had a single late payment in over a decade, nor have I made any changes to my financial responsibilities. I was shocked when I saw that my score had dropped to XXXX for absolutely no reason. This is an abuse from Experian and a way to force a person to subscribe to their Experian Identity Credit Service to " boost '' our credit score. 

Please let feel free to contact me if you need anything from my end. 

Thank you.
Product: Student loan

I called Navient on several occasions asking for All of my Monthly statements, but I have not received them. 
Since I didnt receive the statements I got a new loan through XXXX ( not knowing they were owned by Navient ). 
I am looking specifically to : late payments applied, misapplied payments, interest rate offered through XXXX at time of loan acceptance. 
I am No longer able to login to Navient to view my specific past monthly loan history. 
I believe the company has also changed the billing statements to be more confusing to the borrower. Originally, the balance would be listed after each payment, this was changed over the years.
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate.

Under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description.

Please send the following information used to validate the items below, otherwise delete them from my credit report immediately : Accounts : XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX ) This account is being reported inaccurately, please remove this from my credit report immediately.
Product: Student loan

CollegeAve is the lender. They have yet to cash a check that was sent a month ago. To be clear, I am the mother making interest payments, not the borrower or co-signer. But CollegeAve has no problem cashing my checks. But when one goes missing, and I provide my sons details, they shut down and will not talk to me. This is quite stupid as they are not finding the check, cashing it and taking their profit. They told me to send photos of the front and back of the check. How do I do that when I do not have it? I am not trying to find out any info - I actually gave them the info. In the meantime, the usurious 17 % interest adds up and they tie up my bank account by their shoddy practices. I am asking them to find MY check and cash MY check. I was not asking for any sensitive information.
Product: Credit reporting or other personal consumer reports

There is a collection account on my credit report from XXXX XXXX XXXX which lists CAPITAL ONE N.A. as the original creditor of the account. I don't recall having an account with your company. Can you please send debt validation for the account number XXXX. I will need to see the original contract bearing my signature because my information was compromised in the XXXX data breach. I will also need to see the forward flow agreement along with correspondence informing me that the account was being sold. If I had this, I would have known about this account and could have disputed sooner. Please inform me as to what the balance is and how much the account was sold to XXXX XXXX XXXX. Also provide me with the 1099-C form since this account was written off. If you can not provide all of the information requested, and if you have not done an investigation into the XXXX data breach claim when I have already provided my claim number then please contact the collection agency and have them remove this account due to inaccurate reporting. XXXX run the risk of being taken to small claims court per violation of the FCRA and FDCPA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 an Affidavit of Fact was sent to XXXX XXXX mail : XXXX with confirmed delivery XX/XX/2022. Experian Certified mail : XXXX with confirmed delivery XX/XX/2022. 

This was a request for inaccuracies amongst the three credit reporting agencies to validate alleged debt accounts. The listed accounts below are negative accounts that are reporting on my consumer credit profile and causing great harm to me mentally and financially. 

XXXX and Experian have failed to respond in the time allowed by the FCRA. 

XXXX XXXX XXXX Account # XXXX Amount : {$3900.00} ( both XXXX and Experian ) XXXX XXXX  Account # : XXXX Amount {$130.00} ( both XXXX and Experian ) XXXX XXXX XXXXXXXX Account XXXX : XXXX Amount {$9800.00} ( XXXX ) XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX Amount {$6400.00} ( Experian )
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account i am asking you verify as accurate : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent out letters, certified mail, to Equifax, XXXX, and XXXX  stating that they are all in violation of the FCRA [ Fair Credit Reporting Act ] and are furnishing information without my consent and selling said information for profit, this is identity theft. I have also included an Affidavit of Facts with my letters that states who I am [ consumer, natural person, creditor ), the laws, the violations of the laws, and my demands for remedy. I am also sending this complaint via CFPB to ensure that it is documented that I am being taken advantage of and trying to fix these issues. This is my second attempt at resolving this issue with these bureaus, they have not complied and continued to violate my rights as well as the federal laws of the Fair Credit Reporting Act. This is my final attempt to resolve said issue, otherwise I will be seeking litigation due to the willful noncompliance as well as all the damages that their deceitful means of business have caused me.
Product: Mortgage

Rushmore loan management are charging me an extra {$5000.00} on to my mortgage payable over 5 years because they said my payments were delinquent. I have been sending my mortgage through XXXX XXXX over a year an 6mos. because when I sent my mortgage on time they would tell me they were late and charge me late fees. when I look at my credit report they said I was late over 24 times an charge late fees an interest. They are still taking out PMI an I have own my home for 14 years and have not missed a payment.My mortgage went up an extra {$100.00} a month in the year XXXX they don't send my escrow to me I'm not sure if it's accurate.When I would call them they would not listen would tell me I was in foreclosure.I would get robo calls all day and even after XXXX