23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This Letter shall serve as formal notice of my Intent to file a lawsuit against your company, due to your blatant and objectionable disregard of the law. 

In correspondence dated XX/XX/2016 you received a demand for validation and cease communication letter from me delivered to you via certified mail. As of today you have failed to provide me with the proof I have lawfully requested. 

The FDCPA states you must cease collection activity until you have produced validation of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which you obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or you would have provided it by now. Also, when an alleged debt is disputed, a notation must be entered on the debtor 's credit report showing the item as in dispute. Again, this was not done. 

I 'm sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for. If not, let me point them out for you. 

FCRA 1. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) - Duty to provide notice of dispute. 
2. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information. 

FDCPA 1. 805. Communication in connection with debt collection [ 15USC1692c ] ( c ) Ceasing Communication 2. 809. Validation of debts [ 15 USC 1692g ] As per the FDCPA : 813. Civil liability [ 15 USC 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} If you wish to resolve this matter, this will be your last opportunity to do so. The account must be deleted from my credit files with the XXXX major credit reporting bureaus ( XXXX, XXXX, XXXX and XXXX ) and you forward a letter stating the item will be removed and will not reappear on my credit reports again by you or another collection agency.
Product: Debt collection

I have checked my credit report and noticed inaccurate information from your company. I have not received a dunning letter from your company and you have taken away my rights to validate the debt. I am not responsible for this debt with your company. I have never done business with your company and I do not owe your company. Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA : therefore if you can not validate the debt, you must represent that all credit reporting agencies delete the entry. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please do not send me a copy of a bill because that is not debt validation. I am asking for debt validation from your company. Send me a copy of the contract I signed with your company. I have attached my ucc11 from the secretary of state which shows i have no lien placed against my name.
Product: Debt collection

This is in regards to SPRING OAKS CAPITAL. ACCT # XXXX. They have violated my consumer rights which is probable cause for deletion of alleged account. First off according to 5 U.S.C. 1681 section 602 A. States I have the right to privacy. They also violated 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not communicated with this company or gave them written instructions to furnish my account. Following Section 604 [ 15 U.S.C. 1681b ] ( a ) states in general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. This is not a judgement. I was not taken to court for alleged debt This is another clear violation. This brings me to Section 604 15 U.S.C. 1681 states, Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, 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. This alleged debt is not considered a crime. This account would be considered an adverse action. The legal definition of Adverse Action is a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ). This is grounds for removal. Another violation is Section 607 1681e which states A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report. The original creditor obtained my credit report with the intent to resell any information to Spring Oaks Capital. Grounds for removal. Responsibilities of procurers for resale. These are clear violations and the law according the FCRA. I expect to be treated fairly and equally as the consumer with regards to my consumer report.
Product: Student loan

XXXX or maybe XXXX years ago, I received an email from the Dept. of Education stating that XXXX XXXX was shutdown and my student loans would be forgiven for the following reasons : XXXX. Lying about helping graduates find jobs XXXX. XXXX lied about classes and pressured individuals into getting unnecessary loans. 
XXXX. XXXX lost or didn't have accreditation My student loans are still active and have not been forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report with XXXX XXXX indicates I was late 30 days XX/XX/XXXX and late 60 days XX/XX/XXXX. The account was paid in accordance to the agreed amount on XX/XX/XXXX. XXXX XXXX failed recognize the agreed amount was paid until XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

A fraudulent check ( HELOC ) was created ( I believe ), then my signature was forged onto same, then used to withdraw {$56000.00} from my personal home equity line of credit.I 'm still in shock that this could be allowed at any level. It was not the same bank where my line of credit existing. I noted this fraud immediately after opening my monthly statement on XXXX, and reported the fraud to my lending intuition on XXXX. They assured me that this was fraud and would be removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX WAY XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX Balance : {$52.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My mother who lives in XXXX XXXX opened up several credit cards I. My name. I live In XXXX. Also have lived in XXXX. I provided two reports. A police report and an identity theft report to make them remove this from my credit bureau. I showed with those this was not my account and they keep stalling me and will not remove it. My next step is court to prove its not mine and seek financial damages as its causing me harm in finding a rental for me and my children. I never have lived in XXXX and did not open this account. My name is XXXX XXXX XXXX son is XXXX. Social is XXXX
Product: Credit reporting or other personal consumer reports

I am deleting the requested items off my credit report due to fraudulent information reporting. none of the accounts are accurate and needs to be removed and deleted asap. I am interested in disputing all items listed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  # XXXX and # 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
Product: Debt collection

CLAIMING I OWE AN {$450.00} AMOUNT BUT HAVE FAILED TO PROVIDE DOCUMENTATION OF ANY LEGAL CONTRACT WITH MY SIGNATURE. 
I SENT DISPUTES WITH THE BUREAUS AND THEM DIRECTLY AND HAVE FAILED TO PROVIDE DOCUMENTATION.
Product: Mortgage

In XX/XX/XXXX I noticed our escrow account was almost twice the balance required. I called the company and requested a refund of the excess and was told it would happen automatically that month. When I received no refund in XXXX, I called again on XX/XX/XXXX and was told they would request an escrow review and the refund would be sent within 10 days. By XXXX, still no refund had been received. I called the company again and was told someone from that department would be in contact with me. I never heard from anyone. I called yet again in XXXX and spoke with a gal named XXXX, who said her agent number was XXXX. She said she could see the refund had been approved and that it was being mailed on XX/XX/XXXX. It is has been 9 days since XX/XX/XXXX and still we have not received a refund. I called the company again today ( XX/XX/XXXX ) and was told the check was mailed today. I do not believe them. Can you please help us or let us know how we can take some action against this company to get our funds?
Product: Credit reporting or other personal consumer reports

Reporting incorrect personal information as such as names, social security number and addresses
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of bankruptcy laws- Regional Finance Corp continued to report the loan while in bankruptcy, then after the discharge- of which the loan was included- they began reporting the loan as a charge off and continue reporting it each month impacting my credit. I will be filing suit against them for violation of FDCPA and Bankruptcy laws
Product: Mortgage

Franklin American decided to do a maintenance upgrade during the repayment window they give you to not be late. I tried to make the payment but the online and phone system was offline which did not allow me or other borrowers to have the full window to make the payment. I sent an email request to have the late fee removed but they did not. 

Maybe this was an oversight on their part but this is almost like the XXXX issue when the payments were delayed to increase interest or cause late fees. I might be one of thousands that have a mortgage with Franklin America that experienced the same issue when they took down there system down during the allowed repayment time.
Product: Credit card or prepaid card

On XX/XX/XXXX 2 of my credit cards were hacked and sent to fraudulent individual. I called immediately on XX/XX/XXXX, spent an hour on the phone. They did nothing and on XX/XX/XXXX charges were made for cash advances. In the 20+ years with this company I have never made a cash withdrawal and they didnt find it suspicious. I called back on XX/XX/XXXX to again report the fraud and attemp to lock my accounts. Still got it wrong. I called again on XX/XX/XXXX and now all 3 cards are locked 10 days after reporting the fraud. Capital one does not have the ability to protect me from fraud and breached their fiduciary responsibility to me. They dont process information correctly to protect me, allowed fraudulent charges due to their negligence and my account is still available to accessible online so now I have to make call # 4. Completely unacceptable and moving all debt from this company as soon as possible.
Product: Credit card or prepaid card

In XXXX we received a letter from XXXX XXXXXXXX XXXX informing us ( not asking ) that they were discontinuing their affiliation with XXXX XXXX XXXX card and " sending " our XXXX XXXX card to a new bank. Comenity Bank. The new card form Comenity was promised to arrive by XX/XX/XXXX because the XXXX XXXX XXXXXXXX card would no longer work as of XX/XX/XXXX. It did not arrive by either date NOR by XX/XX/XXXX when I returned home having been away without either card. Not only that but we no longer have ANY access to the account we had with XXXX XXXX XXXX including statements, history or other. The running balance we had was to be transferred to the new card and we would pay that bill when it arrived. On XX/XX/XXXX I called since the card was not here now 5 days past promised date and was told they would send it by mail 7-10 days. That could well put it past my due date for payment since I will have a balance SO I demanded it be sent by XXXX or XXXX  for faster service since they left me with NO card. I was told I would have it in 24-48 hours. I have also used the chat feature on their website with no success since they want an account number. It is now XX/XX/XXXX NO CARD! I can not create an account to pay my bill and cancel the card because I HAVE NO CARD! We are worried about your good credit history and how this will ruin it. We're also worried about fraudulent activity, missing payments and being stuck without access to credit and this account. 

And where pray tell is the FIRST card they say they sent. ... lost in the mail with the ability for someone else to use it? Did they not send it?. I can't even check to see if there is fraud because again I HAVE NO CARD or account number. In my call of XX/XX/XXXX I asked for an account number so I could create an account and was told they could not do that.
Product: Money transfer, virtual currency, or money service

PayPal - negative {$4700.00} XX/XX/XXXX, XXXXTransfer Loading transaction details for PayPal - negative {$4700.00} XX/XX/XXXX, XXXXTransfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 

Paid with Balance Transaction ID XXXX Seller info PayPal Note {$4700.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation PayPal Withdrew XXXX USD on XX/XX/2019 without my consent and without even notifying me. My account was in a " limited '' state prior to this, meaning i could not withdraw funds for 180 days. 
There were no chargebacks or disputes, PayPal just decided they can charge a " fee '' for violations of their policy, which they do not disclose what violation ( s ) were committed. This, frankly, is fraud and theft. No bank would be able to get away with such a practice, and while PayPal does not qualify as a bank, they provide banking services such as holding money and transferring cash digitally. 

I reached out to PayPal on XX/XX/XXXX via XXXX and XXXX. I attempted to reach them via Phone however they have shutdown phone lines due to COVID-19. 

The responses I received were boilerplate and did not address the issue nor even provide any specific details.I was unable to reach a human being through email and there is no phone support.
Product: Student loan

I can not get a hold of anyone at nelnet and I have to wait over XXXX hrs to get a hold of someone and if I do they are incompetent. Everyone online is saying how theyre cheating people out of money the amount of money theyre saying I owe is off and way more than what I owe. I dont trust a company who can not answer my calls help or guide me I can not make payments when their site wont allow me to login regardless of making new passwords and they want me to create new accounts so they can wipe out my previous payments and charge me more. They dont answer calls or emails this is ridiculous! I need them to remove me theyre going to ruin my credit due to their messiness and incompetence.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment regarding the unresolved issues on my credit report, specifically the removal of charge-off accounts and inaccurate addresses. This letter marks my seventh attempt to address these inaccuracies, which continue to negatively impact my financial standing and trust in your organization. Despite numerous follow-ups and assurances that the matter would be resolved, the charge-off accounts and inaccurate addresses remain incorrectly reported on my credit file, causing significant distress and inconvenience. I would like to ask further assistance from you to ensure compliance and protection of my consumer rights. Please help me remove the following items : XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$20000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Student loan

For years I had issues with dealing with sallie Mae to XXXX with Navient with paying for my student loans. I had to stop going to school due to the interest. I could not find a job to afford the payments. I have been living at home for years after college. I was harassed by sallie Mae and navient to the point I do not want to speak with them. I was unemployed in for a year and Navient did not care. They wanted me to pay my student loans when you know unemployment does not pay that much in Maryland. During the pandemic, They promised to stop the payments for 6 months but that was a lie. They told me that i had to call in every month. When I was on the Income driven program, for over 2 years. They claim that the program did not exist. My loan is almost XXXX due to interest which they did not disclose that IT would be over 21 %. This has become a predatory loan. I work for a medical non profit which I am unable to afford to payments due to making below 80 to 90 k. I barely make XXXX XXXX and it took me 5 years to go from XXXX  - XXXX XXXX  They also are unable to provide me refinance option with their organization which is very odd due to unreachable qualification. The reason why I don not qualify is because Navient affects my credit score which affects my change to refinance with their organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Agencies are incorrectly reporting that I was late on my XXXX/XXXX account. Please help me to remove these inaccurate late payments from my credit profile. I was never 30 days late XXXX or XX/XX/XXXX ; and XX/XX/XXXX.
Product: Credit reporting

I 'm a victim of identity theft and Certegy cleared my file from the negative information. Because a law enforcement agency claimed that the bad stuff that I 'd already been proven not guilty of they asserted it back to me. I demand Certegy follow the law and remove it once again because it is not mine and already proven not to be mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. Keepsreneging on an earlier settlement with the CFPB, and states my account was in cghharge off/collections, espite the fact that the account was paid and closed.XXXX   hadrefusedtomprocess my report to the gap coverage that I had earlier paid for ; it thereafter agreed tht I was entitled to gapcoverage and agreed to alter its prior credit report that the account had been charged off and in collection status. 
As of this writing, the report on TransUnion says the account has been charged off and in collection status. These actions are vindictive, wrongful and have impairedny credit.
Product: Debt collection

My apartment complex mistakenly reported that I owed {$180.00}. The apartment complex, XXXX XXXX XXXX, has provided me with a letter to that effect and says they have sent that letter to National Credit Systems back in XX/XX/2018. 

The collection agency never removed my account. 

This week, the apartment complex has tried more than once to email that letter again to the collection agency. The emails bounced back. 

Each agent I speak with from the collection agency is giving me different and contradictory information about the status of my account. 

Most recently, the collection agency informed me that the inquiry into this had been closed because the apartment complex refused to communicate with them. 

At this point, both of the apartment complex and I are trying to get information resolving this debt to the collection agency, but they don't seem to want to accept it, and aren't giving us a means of getting that information to them.
Product: Money transfer, virtual currency, or money service

I created a binace us account bought crypto and my account was closed with my funds still being invested
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is using deceptive practices & extortion against me. I requested that a late payment be removed from my acct because of THEIR fraudulent reporting. None of what is required by law was done before reporting derogatory information on my report. XXXX XXXX is knowingly breaking the law after my first complaint with no regard to me in our fiduciary relationship. XXXX XXXX has then threatened to close my cards, saying that they dont understand my complaint, which worded simply and plain. They also refused to respond to me through the cfpb which is the median I reached out to them through. I have done all of the verifying that is required by law. I am being bullied and attacked & this is causing me stress and XXXX.