23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I sent a certified letter ( tracking # XXXX  to I C System which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. I C System has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of I C System. I C System is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we must remove any incorrect accounts from my credit report. Could you check the documents? Some of the listed accounts have inaccurate reporting, with incorrect amounts and dates.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2018 ( XXXX & XXXX only ) 30 days late as of XX/XX/2018 ( XXXX ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022, to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or delete the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

spoke with Adonea- was not able to access my account online transferred to supervisor XXXX XXXX my number was not associated with what information is in my report. Also, my current address is NOT in my credit report although i have received mail. began my dispute on XXXX Reference # XXXX
Product: Credit card

I called into American Express. I got an email saying I still owed this months payment. I found that odd because I logged in 2 weeks earlier and set up the Post dated payment to pay off the balance in full on my due date. When I called in the account did not have that payment posted and the late fee was billed. I called in and paid off the balance in full ( like I have done every month since opening the card ) and asked for the late fee to be removed. The agent refused and said that a manager couldnt fix the issue either because her system determined I wasnt eligible for the removal. I informed her that I set it up online through their system and the payment didnt post so this is a bank error not mine. She said there was nothing to do. I asked for a complaint to be submitted and requested a return phone call back with the resolution. She said that department cant be reached and doesnt return phone calls. As of today I still have not been reached out to
Product: Debt collection

I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with the Department of Education to obtain a " loan ''. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The loan which is subject to the transaction was used primarily for personal, family and household purposes. The Department of Education has engaged in extortion and racketeering activity defined under Title 18 Chapter 42. XXXX XXXX XXXX  did not inform me on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction which violates 15 USC 1602 ( k ). Congress makes it clear that consumer credit would be strengthened by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. The decision I made in connection to this transaction was uninformed. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). The Department of Education 's conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. My consumer report does not include a report containing information solely as to transactions or experiences which means late payments are a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). 15 USC 1666 ( a ) ( 2 ) I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. The Department of Education has caused harm by furnishing inaccurate information on my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( 2 ) also documentary evidence under 15 USC 44 includes books of account. According to 15 USC 1602 ( p ) the Department of Education does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification the Department of Education is committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. Verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy.
Product: Debt collection

I have paid my debt in full to Dr. XXXX XXXX on XX/XX/2020. TSC is claiming that I still own this debt. I have included a copy of my final check to Dr. XXXX.
Product: Student loan

My servicer is Nelnet, formerly Great Lakes. My loans are FFEL. I have worked for a non-profit entity ( XXXX XXXX XXXX XXXX ) for 10 years. A few years ago I inquired about PSLF. I was given very misleading information at the time, suggesting my loans did not qualify for PSLF, my employer might not qualify, and that I would get a higher interest rate if I consolidated. All of that seemed very intimidating, and so I let it go. I got a letter this summer stating that my loans likely would qualify for PSLF, so I started looking into it again ( I did not save the letter and I can not remember who it was from ). Now, DOE 's website is better. After some time, I came to understand I would need a direct consolidation loan, which is a misnomer for my one loan, and then I would qualify for PSLF. The problem is that I have already overpaid by tens of thousands of dollars, including during the Covid years for which federal student loan borrowers owed no payments. 

I contacted Nelnet today to ask for a refund for all future payments made, as I have paid many years into the future. I was told my loans did not qualify for a refund. Again, I was given misleading information because I was told FFEL loans do not qualify for PSLF. I was again told that to consolidate under the federal loan program would increase my interest rate and that there was no guarantee of forgiveness. All of these statements are intended to mislead borrowers into not consolidating FFEL loans, and not seeking loan forgiveness. It is shocking that Nelnet can still engage in this deceptive practice. 

I have FFEL loans. Nelnet knows my employer, and knows it qualifies. Years ago this servicer of federal student loans had a duty to notify me that my employer qualifies, and to tell me it was in my interest to consolidate. They should not have given me information intended to mislead, or to make me continue paying on loans that would not " count '' and which are not eligible for Covid relief or refund. I am a middle class American who works for a non-profit. The amount of money I've wasted on student loans that should have been forgiven is a tremendous amount of money I could have used for my family, for my kids, or to improve our standard of living. The fact that the federal government is complicit in this process, by allowing Nelnet to profit from these statements, is really discouraging.
Product: Debt collection

Collection Agency has not provided validation Information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( ) Collection agency is violating your consumer rights by using false misleadin, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) Im revoking all rights of them communicating with you through email/ text/calls In your dispute letter your requesting debt validation.

Your also requesting the purchase agreement between them and the original creditor.

Youre also requesting that they furnish proof that they are licended and bonded. 
XXXX / XXXX
Product: Credit reporting or other personal consumer reports

I'm filing a complaint against XXXX XXXX XXXX XXXX  and transunion for violating my legal rights to an accurate credit report supported by the fair credit act FCRA please see attached letter for more thorough information
Product: Vehicle loan or lease

I've financed a car with PNC Bank for 5 years now. This year the car was scheduled to be paid off. Being in XXXX Florida I was affected by Hurricane Irma in XX/XX/XXXX. PNC Bank and FEMA partnered together on a program to offer their clients within the specified disaster area a way to assist them with any hardships the Hurricane may have caused. I was enrolled in this program which included a 2 month extension to assist me during this time. I do not recall filling out any documentation for this program, and I could imagine there was a good amount of people who were affected. After I made the next payment that was due on XX/XX/XXXX,  I was told by one of the service reps at the bank in XX/XX/XXXX that I qualified for an additional 2 month extension. I was offered a 1 month extension by the service rep at PNC Bank. Then she mentioned that I actually qualify for another 2 month extension and if I wanted to enroll. I accepted her offer for the XX/XX/XXXX and XX/XX/XXXX extensions. At this point I thought the bank was going above and beyond to assist me and provide extra support. I was never told by the rep that their offer to me was not approved and that there was a chance it being rejected. I did not make my XX/XX/XXXX and XX/XX/XXXX monthly payments due to the fact that I was being offered the two month extension. On XX/XX/XXXX I  heard a loud noise outside my window of my condo and there was a tow truck repo taking my car. I wasn't given any call prior to this explaining the Bank made an error with providing the extensions to me and if I was able to make the XX/XX/XXXX and XX/XX/XXXX payment. I was told by the bank after the fact that I didn't qualify for the 2 month extension because I was over my payment extension limit for the life of the finance. But I did still qualify for a 1 month extension. This mistake on the Bank 's part should have not resulted in the repo of my car. If I was given the right information or notice about this I would have made the payment so that the bank wouldn't have taken my car. I was told after the fact the bank sent out a denial letter. During the month of XX/XX/XXXX I moved to a new place and never received the letter in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report 's list of inquiry and information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information and inquiry listed below. 
EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased furniture from XXXX XXXX XXXX  in XXXX, UT. I used a Discover credit card to make the {$5500.00} purchase. The furniture was to be delivered later due to supply chain issues. I received monthly updates from the furniture company telling me delivery was being further delayed and that they were working to get furniture to me as fast as they could. On XX/XX/XXXX, I received the last email update. On XX/XX/XXXX the furniture store employee who had sold us the furniture informed us that due to financial problems of the company we would not be getting the furniture. I immediately ( on XX/XX/XXXX ) disputed the {$5500.00} charge with Discover. I also tried to contact the owner of the furniture store but was not successful. Discover initially gave me the {$5500.00} credit to my card while they did an investigation. After the investigation, Discover informed me they reversed my {$5500.00} credit because they found it to be a valid charge. The only documentation Discover sent me relating to the investigation was a copy of the credit card charge I made with the furniture company ( this was the charge I was disputing so this was not any meaningful documentation ). The company is out of business and has been issued a citation by state division of consumer protection. The division has been unable to contact the owner directly. I have contacted and discussed my dispute with Discover dispute representatives at least five times since my dispute was denied. I was told each tme that to get credit for the {$5500.00} charge, I would need a letter from the furniture ompany owner on company letterhead indicating that my furniture was not delivered and that I was due a refund from the company. This is impossible because the owner is no where to be found and will not respond to any form of communication. On XX/XX/XXXX, I sent a letter to Discover containing a link to and excerpts from the Fair Credit Billing Act Sec.1666 Correction of Billing Errors '' that indicates that if I ( obligor ) make a timely dispute ( to the creditor ) of the charge, indicating that I did not receive goods for which I was charged ( which I did- I made the dispute on the day I learned I would not ever receive the furniture ) then, before being able to deny the dispute, the credit card company is required to investigate and determine that the goods were actually delivered and then provide me ( the obligor ) with a statement of the determination [ Sec . 1666 ( a ) ( 3 ) ( B ) ( ii ) ]. Discover did no such investigation and did not provide me such a statement.
Product: Credit reporting or other personal consumer reports

As of today XX/XX/2024 My XXXX credit report is not reporting the following tradelines : Discover, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of my positive history and on time payments that are not reporting are making it difficult for me to apply and/or be approve for extension of credit from other lenders.
Product: Debt collection

On XX/XX/2021 I notified Professional Finance Company INC. to Validate a debt they were trying to collect. I ask for the following information and actions : What the money you say I owe is for? 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable ; and identify the original creditor. 
Prove the statute of Limitation has not expired on this account. 
Show me that you are licensed to collect in my state ; and provide me with your license number and registered agent. 

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Then the company sent a screenshot of charges from XXXX XXXX XXXX and letter that stated the debt was validated and I had no legal right to request such information from their company. After doing my own extensive research turns out that my insurance company paid the charges the company stated I owed. I did send payment for the reminder of the amount I should have been charged but was not. I have proof I do not owe the amount they said I do ant they have been report on my credit invalidated information to all of the three major Credit Bureaus. 

This is a medical debt and should be a HIPPA Violation. The original debtor XXXX XXXX XXXX just sent me to the collection agency not giving me the ability to request an updated of the error.
Product: Credit reporting or other personal consumer reports

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and I demand that you removes these errors to correct my credit report immediately! I have reported this to the federal trade commission and attached the federal trade commission affidavit. Now that I given you the following information, please correct my credit report or I shall proceed with involving my XXXX!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act, has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Payday loan, title loan, or personal loan

Tower Loans accused me of bouncing checks and having insufficient funds in my account. I have never written them a check and there is no transaction history in my account that they attempted to debit. I explained that this is a misunderstanding but they are now demanding that I pay them cash or by money order. I have offered to pay them in full with the condition that we use a debit or personal check because it is important to me to keep records. They have refused my offer and have been harassing me to make cash payments. I don't feel comfortable giving them cash because it seems sketchy and I don't want them to lose or mishandle my money. Also, I would like to keep records of my payments. They have been completely uncooperative, and rude, calling at night from random phone numbers, and threatening to take me to court. I just want to be treated fairly, settle this debt, and not be harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

I walked into a XXXX " franchise '' store maybe XXXX or XXXX  years AGO. The guy behind the counter, I found out later, WAS ON XXXX  and submitted applications fraudulently. THEY XXXX  him from the XXXX (? ) phone store. 

He changed me over to XXXX, RAN my credit report when he said he wouldn't as this was a PRE PAY plan. He didn't get bonus points for pre paid, so he faked an application when he could. 

XXXX found out before I went back XXXX weeks later, as they told me that he " had been terminated. '' The {$280.00} was TAKEN OFF the report twice. XXXX XXXX XXXX reposted it. 

Respectfully Submitted, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied but the adverse information came from a non reporting consumer agency.
Product: Credit reporting

Re : XXXX ( {$59.00} ) SS # XXXX Hello, My name is XXXX XXXX XXXX and I am writing a complaint against Equifax about my Credit Report. I have no affiliation with XXXX XXXX. On or about XX/XX/2016, Your company stated I owe : {$59.00}. I am a Veteran and you have listed someones information on my file without my knowledge. I have never visited this place or do n't even know where this place is located. 
I would urge you to have all of these items removed form my file ASAP, and clean my record as it used to be. I do not appreciate your lies and deception.