23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject XXXX XXXX  Loan Discharge Based on Borrower Defense Evidence The Department of Education ( " Department '' ) has determined that the loan ( s ) you received to attend a school owned and operated by XXXX XXXX XXXX from XX/XX/XXXX through its closure in XXXX XXXX  are eligible for full loan discharge. This means the remaining balance on the loan ( s ) will be forgiven. You do not have to make any more payments on the loan ( s ). 

Your loan ( s ) will be discharged as part of a Department action ( " Group Discharge '' ) to discharge all outstanding loans for attendance at XXXX XXXX XXXX that first began from XXXX XXXX XXXX  through closure in XX/XX/XXXX after finding that it engaged in widespread misconduct that violated state consumer protection laws and/or made widespread substantial misrepresentations about its educational programs, both of which are grounds for borrower defense to repayment under the borrower defense regulations ( 34 C.F.R. 685.206 and/or 685.222 ). The Department is discharging your loans without requiring you to file an application because of the pervasive and widespread nature of the school 's conduct. 

XXXX - Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX  - Account number : XXXX - XX/XX/XXXX XXXX - Account number : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account CAPITAL ONE BANK USA which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

XXXX and XXXX on XXXX XXXX XXXX, XXXX  XXXX Ca XXXX, ( XXXX ) XXXX, called my relative ( adult son ) and told them I was going to be served with a summons/judgement and that a civil suit was being filed against me.I received the number from my son and called XXXX and XXXX back and was connected with someone who stated their name was XXXX XXXX .He proceeded to tell me that I owed XXXX XXXX {$7300.00} from 1998 which has been gaining interest and fines.I told him I have no idea what he is talking about I have never had an account with XXXX XXXX and that is was identity theft.He then proceeded to tell me that I could pay the money or be taken to court and have my salary/wages docked. 
I am a XXXX XXXX XXXX and was frantic to find out what this was about because my son called me frantic, so I called him during my lunch hour, and he actually asked me if I always talk and chew food with my mouth full while I am on the phone ... which I realize that it is rude for me to talk with my mouth full, but for him to make a personal harassing statement to me about me trying to eat my lunch, while threatening me with a lawsuit, after I had explained to him that I had no idea what he was talking about ... made me suspicious that their law firm is shady and is trying to fraudulently get money..
Product: Debt collection

i am asking them to validate this debt with a signed contract for the amount they are claiming, please forward a contract that has the creditors name, address the amount claiming i owe and my signature. thats the only paper that i will except as validation, its also all the courts will except as proof the debt is mine. you can upload that through this site. if you dont or cant this will be my final notice prior to file suit in XXXX XXXX courts.
Product: Credit reporting or other personal consumer reports

I HAVE PREVIOUSLY XXXX  court central C XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. Docket number XXXX as the court dose not report bankruptcies to the CRA and i did not give any other agency to report my information WITH YOU, AND IN RESPONSE. YOU VERIFIED THE ITEM AS ACCURATE. STATIN THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. 
I CONTACTED THE COURT, AND THEIR RESPONSE IS ENCLOSED. 
IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER THEREFORE. YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT XXXX EITHER AN ERROR OR A LIE. 
EITHER WAY, THE REPORTING REQUIREMEN DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ). AND THE XXXX MUST BE DELETED IMMEDIATELY.
Product: Debt collection

I received a notice in the mail from XXXX XXXX XXXX XXXX indicating that I am subject to debt collection from PayPal. I do not use PayPal and have not had an active account in many years. I called the debt collection company to dispute the debt, explaining I have had other forms of identity fraud ( many debit and money cards opened in my name ) despite a credit freeze. The email address associated with the PayPal account that was read to me is not mine and I have never used it. Representative XXXX XXXX from XXXX said the debt would be returned to PayPal to review for identity theft on XX/XX/2023. He would not provide a reference number or confirmation email for this, only his name.
Product: Credit card

I am been trying to get into contact with TD retail card services/yard card, to be able to pay my bill but they are not answering phones. There is no other way to get ahold of them to pay. This has happen from XXXX, I have called and waited on the phone for over an hour several time 's, and no one will answer. Their automated system said it doesnt recognize my phone number anymore, its the same number that been on their record since I have opened my credit card with them. I have no way of paying my payment when its due now, and they will charge me a late fee, and report to the credit bureau. I am unable to log on to my account online because I am unable to get my account number from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a copy of my explanation of benefits which shows that this has been paid.
Product: Credit card or prepaid card

I recently learned that my personal information was used to open accounts at Citibank. I did not open or authorize this account, and I therefore request that it be closed and remove out of my credit report immediately. I also request that Citibank absolve me of all charges on these accounts, and that you take all appropriate steps to remove information about this account from my credit file. 
After I contacted Citibank, they said that the above accounts were being paid form a bank account that had my name on it. However, this account has been closed by the bank because it was also fraudulently opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the amount from Santander consumer in full in XXXX XXXX XXXX. I checked today to make sure everything was okay and then I see that it says that I missed a payment and owe XXXX dollars which is false information. I do not owe any money to them and confirmed with them that everything was paid off. This is false information and dropped my credit score for absolutely no reason. They are refusing to help me.
Product: Credit reporting or other personal consumer reports

Company is on my credit report as collections for charges of {$99.00}. I have never stayed at the address on file nor have agreement or lease contract with apartments complex. I have requested that this inaccuracy be removed from my credit. But still this company has not rectify this issue.
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. Account XXXX XXXX  : # XXXX, Account XXXX  : # XXXX, Account XXXX  : # XXXX, Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX : # XXXX, Account XXXX  : # XXXX, Accounts of all inquiries and unknown addresses such as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, has violated my rights . 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: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I have been a victim of identity theft and found numerous inquiries that I have no knowledge of. Here are the accounts and dates that Ive found, XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XX/XX/XXXX I also attached my identity theft report as well.
Product: Credit card

I started using this credit account from PayPal this year in XXXX. They gave me six months of no interest.

However, I noticed they did charge me XXXX dollars of interest in my second month of having an account. I paid {$100.00} roughly {$100.00} a month toward my balance but by the time my six months came around I still had a balance of over {$400.00}. Because of this high balance, I was not able to fully pay it off in one payment so they started to charge me a very high amount of interest. I noticed they also would charge me a late fee if my posted payment was a day late which I called about and they reversed XXXX of them but with the interest and the other late fees, they did not reverse. My balance is {$220.00} of interest and late fees and I owe a total of {$300.00} roughly. So I really only owe them {$79.00} And I can definitely pay that off, the XXXX $ is a very high balance. I asked if they would remove any of the other fees and they some agents said they would not that it was applied just fine. A lot of the customer service people Ive spoken to over chat had a rude sentiment with me. I didnt feel like they were really trying to help me. It sounded more like they were accusing me of not wanting to pay at all and trying to get over on them and just being a bad customer just were very rude. 

I did not have a good experience with the customer service and they refused to help me and wanted to cut off my conversation shirt. I did, however, speak to two agents over chat who offered to take off all of my interest and my late fees so I could pay the balance, and unfortunately, my browser would refresh when they asked me how I could pay and they were asking me to pay through the chat. 
When I tried to reconnect, mysteriously I was given a new agent and that person said they can see that although I was given an interest and late fee refund offer they would refuse and didnt say exactly why. They just said it was not possible. With the other two agents, it was possible so I am very confused. Id like to know exactly why I was offered this with two agents and then never again offered with any other agents. And what that meant exactly that I could pay them through the chat. For some reason, no one knows what or why that was offered to me and can not answer these questions. Or they refuse to answer these questions.

This is very Misleading and a bit deceitful. And predatory in my opinion. I would like to pay off my balance and take the offer that the two agents offered me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Status being reported on by Experian CRA.     Entry by    XXXX   XXXX   XXXX    : Owed {$340.00}  XXXX   XXXX     XXXX   XXXX   XXXX     XXXX , NH  XXXX  Credit reporting agency is documenting a claim by    XXXX   XXXX   XXXX    on my credit report that I owe  XXXX   XXXX  a balance of {$340.00}. This amount has been paid to  XXXX . My bank is reporting this as rebilled (  XXXX   XXXX ,  XXXX  ) and paid by me to  XXXX .   The original payment was made by Credit Card  XXXX   XXXX   XXXX ,  XXXX  ), disput ed (   XXXX   XXXX ,  XXXX  ) and the dispute w as withdrawn/rebill (   XXXX   XXXX ,  XXXX  ).      XXXX  Contact by me :  XXXX   XXXX ,  XXXX  letter  XXXX   XXXX ,  XXXX  Letter Experian CRA falsely reported unpaid  XXXX  balance was disputed  XXXX   XXXX .   No action taken returned to me by Experian  XXXX   XXXX , I possess and presented Experian proof of payment.     Submitted credit card statement showing rebill for {$340.00}.
Product: Bank account or service

As described in the previous complaint, which was against the CRA itself, it is impossible for me to have XXXX hard inquires waiting weeks apart earlier this year. As explained, Citibank XXXX XXXX, XXXX XXXX, SD XXXX ( XXXX ) XXXX was notified of this error in multiple letters and a phone call. Apparently, Citi thought that a letter or a phone call meant that I wanted another hard inquiry done, which I never gave them permission to do so. It is absurd to think that I would expect a different result within weeks, I merely sent a letter asking for application status, and phoned to also discuss the application and if they received my letter. Because of a possible language barrier, it appears that the citibank customer service agent simply would try to run another hard inquiry. It appears that during this time frame of only a few weeks, my credit score dropped XXXX points. Furthermore, until this is corrected, I can not apply for additional credit with anyone in fear that they will look at these XXXX erroneous requests as a desperate attempt to get credit, probably to be denied and to make the situation worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my wife and I applied for credit to purchase a vehicle from Tesla Motors through XXXX XXXX XXXX XXXX. Our loan application was approved. Unfortunately, more than 60 days transpired with Tesla Motors not having delivered the vehicle to us, so the loan approval expired. 

On XX/XX/XXXX, Tesla Motors submitted new loan applications, without my consent, to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

I have contacted Tesla Motors numerous times seeking assistance since this has occurred, both by telephone and email, and have been informed by two associates that this is not standard practice ; however, Tesla Motors has been unwilling to acknowledge that the applications were submitted without my consent and has refused to assist in making sure that these unauthorized loan applications are retracted from my credit report.

The numerous loan applications, which were submitted without my consent, have caused damage to my credit report.

I am simply requesting that Tesla Motors either contact the banks they submitted the loan applications to on my behalf to retract the applications or acknowledge, in writing, that the applications were submitted without my consent so that I may present the necessary proof to the credit bureaus that the applications were unauthorized in order to secure the removal of the false information on my consumer credit report. 

Thank you.
Product: Debt collection

I am writing to formally address a matter of communication that I have received from Sequium Asset Solutions, representing a third-party collection agency claiming a debt owed to XXXX XXXX XXXX XXXX Being fully convinced of my rights under the Fair Debt Collection Practices Act, I sent an email immediately in support of their claims requesting a debt verification letter. Unfortunately, for over the period necessary since my first letter, I haven't been provided with documents proving this debt is mine. After this no-response scenario, I had to send an e-mail requesting the same-that is, to send verification documents to my correspondence address. Up to this date, I have never received any response or verification documents whatsoever. This silence brings about some questions concerning the validity of the claims being made by Sequium Asset Solutions, and I would appreciate any guidance on the best course of action to take.
Product: Credit card

On XX/XX/year>, I had a credit limit of {$24000.00}. I had already paid my entire balance on the account and did not have a minimum payment due. Earlier in the week, I made a large transaction of {$20000.00} on the account. As of today, my available credit is {$3500.00}, with a current balance of {$20000.00}. 

This morning, I made an online payment from my checking account ( the same account I use every month to make payments ) for the full balance of {$20000.00} to pay off the balance as I do every month. Despite having an available credit limit of {$3500.00}, my card was declined when I attempted to make a purchase at lunch today. 

When I contacted customer service, I was informed that the reason for this denialwhat they referred to as a " soft block '' was the pending large payment. I was also told that had I not made the payment, my transaction would have been approved. 

Blocking my account due to a pending payment while I still had available credit makes no sense and feels both unfair and deceptive. I could understand a block if there were pending charges that might have exceeded my limit, but that was not the case. I had sufficient available credit, and the block was imposed not because I was over my limit but seemingly because I was paying off my balance early. This suggests the company acted out of a motive to ensure they would collect interest on the transaction, which is unreasonable and unacceptable.
Product: Debt collection

This debt was paid in full to the original owner. I notified the collection agency to remove the debt they refused.
Product: Debt collection

I have already received a similar notification from your company with the same amount with a different case number. The previous case number XXXX was closed after I submitted my first complaint on XX/XX/XXXX through CFPB to both NCSPLUS INCORPORATED and A XXXX XXXX. The new claim number is XXXX with the same amount. Please stop harassing me with these notifications. Here is what I already submitted : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- sent on XX/XX/XXXX YOUR COMPLAINT I received the invoice for the amount of {$1700.00} dated XX/XX/XXXX after 2 years of no communication from A XXXX XXXX XXXX. We had an agreement that I will be paying a monthly fee of {$85.00} which they decided not to charge. They have my working credit card information on file that I provided and they previously charged on XX/XX/XXXX and they could have charged the monthly amount we agreed on. They have not contacted me for about 2 years and I received an invoice for {$1700.00} on XX/XX/XXXX threatening to send me to collections. I will like to receive a verification of the debt A XXXX XXXX XXXX is claiming that I owe so please send me a detailed account statement. Also, please send me an explanation on why my card wasnt charged {$85.00} monthly as originally agreed upon. The credit card that was last charged is a working credit card. If A XXXX XXXX XXXX lost my credit card information, I will like to know details on why and how my credit card information was lost. I sent an email to A XXXX XXXX XXXX requesting to get an account statement to verify the debt on XX/XX/XXXX with no response. I sent a certified mail requesting to get an account statement to verify the debt on XX/XX/XXXX and it was received on XX/XX/XXXX with a signature verification but I did not get a response. I filed a claim with CFPB on XX/XX/XXXX with no response. Then I received a letter from NCS incorporated on XX/XX/XXXX to collect a debt that I have been trying to verify. I need a clear explanation why A XXXX XXXX XXXX is ignoring my request to verify the debt, why they did not continue to charge the monthly {$85.00} we agreed upon, and what happened to the working credit card information that was last charged on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint about this creditor furnishing my credit report without my permission and asked for them to delete the account, but they did not delete it, they actually just closed the account. I never gave permission for it to be furnished on my credit report so I want it deleted or removed from my credit report immediately. I am not satisfied with them closing the account. Because I did not tell them to furnish my report. So not only did they violate my rights, but they also violated me. Im asking to have this account removed from my credit report not to have it still posted to my report showing as a closed account. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 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.