23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent a fax to the compliance dept on XX/XX/2019. I was not informed the fax could not be read. I filed a complaint with he XXXX  of SC, in regards to this matter. The fax was to prove that I am under a medical hardship, and this account should not be in collections, as I previously spoke with the original creditor, yet the account was sold to various companies before going to collections. This is the most likely reason the notation was " lost '' in the shuffle. I have attached the fax sent to XXXX, as well as Resurgent. This is not a frivolous complaint. I have provided new and material evidence supporting my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 student loan accounts with Fed loans services, 2 student loans that were apparently transferred to XXXX XXXX XXXX XXXX an 1 transferred to XXXX XXXX. That are all paid and closed. But they are showing late payments on the accounts after they were paid and closed on XXXX. 2015. Also the time that the loans were showing late they were in Forbearance with the companies. Ive made several attempts to correct this issue when the accounts were open and even when they closed. The late payments and collections status are really affecting my credit reports on all my reports. I am left with no choice but to contact you for assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Could you please remove account ( attached to identity theft report ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit file, as this is not my account, I've tried to reach out to the company itself but Im unable to reach anyone via phone. Please remove this from my credit report immediately as this account is affecting my credit score. Also, please remove the unauthorized inquiries attached to the identity theft report as well.
Product: Debt collection

To Whom It May Concern : From my reading of the Fair Debt Collections Practices Act, I have the right to dispute the validity of any alleged debt, and Professional Credit Management used abusive practices. According to the Fair Debt Collections Practices Act [ 15 U.S.C. 1692 ] Section 802. Congressional findings and declarations of purpose ( a ) Abusive Practice. The company Professional Credit Management has conducted the following act : 809 Validation of debts ( d ) Legal pleading A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). Before receiving a certified letter of a filing made on behalf of Professional Credit Management, I did not receive any correspondence is mail or phone regarding the alleged debt listed in said filing. 

I have made numerous attempts via phone ( phone records available ) to show that I called Professional Credit Management to address the matter immediately after receiving the certified letter ( first tactic of communication ).
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$44000.00} - Charge off XXXX XX/XX/XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$390.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DATE ASSIGNED : XX/XX/2020 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Debt collection

Collection company called from XXXX regarding 2003 debt with Wells Fargo checking account. Refused to email or mail me verification of debt, said they have done this before and it didn't help. I have not received anything from this company or Wells Fargo in 10 or more years. He threatened to sue me and take a lien on my moms property. When I told the debt collector she had passed away, he nastily said something to the effect that " I am a debtor ... and she would be rolling over in her grave. '' He hung up on me the first time that I told him I was aware of my rights and that this is a time barred debt. He said this does not apply to checking accounts.
Product: Credit reporting or other personal consumer reports

I am reaching out to address the inaccuracies and omissions in the credit information that you have reported on my credit profile. It is disappointing to note the lack of sufficient procedures to ensure the utmost accuracy in compliance with credit reporting laws. 

The following information requires immediate investigation, and I insist on being furnished with evidence supporting the alleged items, particularly any contracts, notes, or documents bearing my signature. Failure to provide such evidence warrants the removal of these items from my credit report without delay : I am troubled by the fact that XXXX has already rectified these accounts from their records, indicating an acknowledged error. However, your failure to do the same is concerning. I demand the deletion of these items from my file due to their inaccuracy, error, incompleteness, or inability to be verified. It is unacceptable that you are not adhering to legal requirements, particularly when other credit bureaus have already complied. 

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 and XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing every 30 days to XXXX and Experian about a Bankruptcy that is showing on my credit and i have wrote XXXX and it was removed but stills appears or other too I have wrote UNITED STATES BANKRUPTCY COURT in XXXX fl and they did send confirmation that they do not verify and the credit bureaus keep saying they have verify with the bankruptcy department this bankruptcy is not my account I will include letter from bankruptcy department and XXXX  report showing bankruptcy been removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent activity on my XXXX consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS ON MY CREDIT THAT I HAVE NO KNOWLEDGE OF. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. AS A INNOCENT VICTIM OF IDENTITY THEFT, I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.
Product: Debt collection

was sent a letter offering to take XXXX dollars a month for 12 months so i agreed to this and it took over 2 weeks to even get a letter showing i was under this program. then the day before i ws to get the letter from them they sent it to another collection cmpany to try to get full payment for it. when i called them about this i was told at first it was a mistake nd to call another number to have the pull it when i called it i had a hard time understanding the lading i was talking to so i asked to speak to a supervisier and that lady hung up on me while i was tring to explain what had happen to her and when i called back i was told to deal with the other collection comany
Product: Checking or savings account

I was not approved to open an account. If there is a balance that hinders me opening an account, I am willing to pay that off and move forward with everything.
Product: Debt collection

I had a year leased that ended XX/XX/XXXX then I renewed the lease to XX/XX/XXXX and I moved out on XX/XX/XXXX but the apartment complex was sold to different owners they lost or couldnt locate my first lease and claimed I moved 1 month before
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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  To YOUR COMPANY. YOU ARE REPORTING 2 ACCOUNTS THAT ARE SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY. THESE LATE PAYMENTS ARE INACCURATE. I HAVE NEVER BEEN LATE ON ANY OF MY PAYMENTS. THESE ACCOUNTS NEED TO HAVE THE LATE PAYMENTS UPDATED TO PAID AS AGREED, PAID ON TIME, NEVER LATE. UPDATE THESE ACCOUTS TO PAID AS AGREED, PAID ON TIME, NEVER LATE. ( OPEN SKY ) ( POSSIBLE FINANCE )
Product: Mortgage

XXXX received Note from XXXX XXXX XXXX XXXX XXXX received Loan Modification with XXXX becoming our Noteholder and Investor, then XXXX XXXX closed XXXX  XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX filed Bankruptcy, XXXX # XXXX ( XXXX  ), then doing XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX and extinguished all securitized Bonds back to original date as of XXXX, per United States Security Exchange Commission Quarterly Report for XXXX XXXX XXXX ( Table of Contents Capital Structure and Management XXXX  XXXX  structure consists of shareholders equity and {$110.00} XXXX of term debt. Term debt of {$130.00} XXXX was issued on the Effective Date. This has subsequently decreased by a net amount of {$14.00} XXXX as a result of principal payments totaling {$23.00} XXXX net of XXXX XXXX which have been issued totaling {$9.00} XXXX. 
On the Effective Date, all shares of common and preferred equity securities previously issued by XXXX were cancelled and extinguished. 
As of the Effective Date, and pursuant to XXXX  Amended and Restated Articles of Incorporation, XXXX  is authorized to issue up to XXXX shares of common stock and up to XXXX shares of preferred stock, each with a par value of {$0.00} per share. As of XX/XX/2013, XXXX shares of XXXX  common stock were issued and outstanding ; no shares of its preferred stock are issued ) but XXXX XXXX then filed a Assignment of Mortgage XXXX, and there is no Mortgage, XXXX XXXX XXXX XXXX us a Loan Modification XXXX XXXX XXXX our Noteholder is XXXX since XXXX, and that they can not remove the XXXX because they sold the Serving Rights XXXX, in Error, per conversation with XXXX XXXX XXXX Representative on XXXXXXXX  XXXX XXXX XXXX XXXX has acknowledge they are not our Noteholder, but Select Portfolio Servicing who is actually Servicing for XXXX XXXX XXXX  refuse to put in paperwork to get Lien Released and to refund all Monies paid plus interest. 
Per Select Portfolio Servicing ( Account Holder is XXXX XXXX, as Trustee in trust for registered Holders of XXXX XXXX Certificates XXXX XXXX XXXX Also known as XXXX XXXX XXXX XXXX  ) .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several request for validation and verification of inaccurate accounts on my Transunion credit report. Transunion states all are accurate and verified. After the investigations were completed I asked for the source to whom performed this verification/validation. Transunion has ignored my request. Transunion still has not provided the requested information. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation but also the process and or systems used, any furnishers, persons and or entities used in the collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
Product: Credit reporting

XXXXSOC SEC # XXXX DOB XXXX XXXXTo Whom it May Concern : Equifax XXXXI recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 
Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXXCompany Information : XXXX Date of Inquiry XX/XX/XXXX, XX/XX/XXXXCompany Information XXXX : XXXXDate of Inquiry XX/XX/XXXXCompany Information : XXXX BANK Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXXXX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XX/XX/XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XX/XX/XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XX/XX/XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXXPlease remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXXSOC SEC # XXXX DOB XXXX XXXX
Product: Debt collection

Received a call for the first time on XX/XX/17 from XXXX. The collector left a voice-mail. I returned the phone call immediately and paid {$150.00} over the phone. 

I have asked many times for written documentation and they have provided the attached on company letterhead via email. Each time I have spoken to the collector " XXXX '' the amount changes and she has told me the amount on the letter is incorrect due to a glitch in their system. Today, she stated that they did not send the attached emails to me because she could not find them. 

At no time did the collection agency send a written notice clearly stating my right to dispute. I am filing this complaint as the company uses : Deceptive practices to collect. 
Misrepresentation of the amount owed. 
809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax removed several accounts but XXXX refused to. XXXX just verified the debt again with no proof and they just reappeared on Equifax with out proof again
Product: Debt collection

I recently found out that Jefferson Capital System bought a debt from XXXX that I had no knowledge of. I am a victim of identity theft and they refuse to remove the information from my credit report or to fix the issue even after legal documents have been presented.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian credit report there appears a late payment from XXXX in XX/XX/2019. I have previously disputed this account and provided proof in the form of a chat log from XXXX customer service that acknowledges that this account was never late. Experian ignored the proof that I sent in and according to them only did an automated dispute process and did not remove this late payment
Product: Student loan

I submitted a new income-based repayment request along with my XXXX tax information two weeks before my current income-based repayment plan was to expire. Navient claims they did not process my repayment plan in time for my XXXX XXXX due date ; therefore, I was charged {$490.00} more than I had been paying for the past 11 months ; I was also informed that my new income-based payment for the upcoming year was decreasing by {$10.00} per month. As a result of Navient 's inability to process my request in a timely manner, I was charged significantly more than I had and will be paying, and they were unwilling to credit my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX XXXX responded to my request for debt validation regarding two XXXX  XXXX XXXX XXXX ( # XXXX ... and # XXXX... ). However, they failed to provide the required documentation to validate the debts as per the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ). 

Instead of submitting evidence such as : A copy of the original signed agreements. 
Documentation proving the legitimacy of the debts. 
Proof of their right to collect on the debts. 
They sent a letter stating they could not fulfill my request because the accounts were no longer under their management and had been referred back to XXXX XXXX XXXX. Despite this lack of validation, these accounts continue to be reported on my credit file by Experian with balances listed as outstanding. 

Additionally : Experian failed to conduct a thorough and transparent investigation under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). 
Discrepancies in the accounts include inconsistent opening dates, payment history, and balances. 
These accounts do not appear on my XXXX credit report, highlighting inconsistencies among credit bureaus. 
As of XX/XX/year>, Experian continues to report these unverified accounts, despite my dispute and XXXX XXXXXXXX XXXX inability to validate the debts. This inaccurate reporting has negatively impacted my credit score and financial standing.
Product: Payday loan, title loan, or personal loan

CEASE AND DESIST AVANT Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.

Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Remove all remarks or comments off my consumer report.

15 USC 1666d ( c ) XXXX out on my open ended consumer plan balance monthly. 
Deletion from all consumer reports. 

Best regards, XXXX XXXX XXXX  Attached proof of identification stands for all communication during this case.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1692c. Communication in connection with debt collection a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXXXXXX XXXX and before XXXX XXXX XXXX, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.