23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello, with settlement that was recently announced, I feel more confident in asking that my private student loan ( taken out while attending XXXX university ) be discharged. XXXX marketed Sallie Mae as a preferred lender, and engaged in deceptive and coercive tactics to obtain enrollments, I was encouraged to enroll and take out a private loan, and I was not supported in my program once admitted. When I called Sallie Mae ( now Navient ) years ago to address this, I was coached into forbearance which drove my balance up. With the principal and interest I have paid already, can you let me know what next steps I need to take to get my private loan discharged. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$4300.00} ; US DEPT ED XXXX Balance : {$3100.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$960.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$830.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DP OF EDUC XXXX Balance : {$3100.00} ; DP OF EDUC XXXX Balance : {$4300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018, unpermissible provisions in pulling my credit It is your responsibility to ensure your permissible purpose in accordance to the fair credit reporting act before reviewing a consumers credit
Product: Credit reporting or other personal consumer reports

incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I need American Express to delete the incorrect balance they have in my account because that debt was settled several years ago, to remove the negative under law 15 USC 1681 civil liability for unfulfilled negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name, my credit files, and my integrity all has been compromised by either theft, the dark web, XXXX  breach, or the lost of my identity when my wallet stolen. I've summoned the credit reporting agencies to produce A Method Of Verification to show cause of their reportings. Never once have I received any physical documentation of these unknown and unauthorized accounts. But for some reason the credit reporting agencies relay on electronic verification, when infact " As a general rule of law electronic verification can not be accepted as proof. I demand that the following accounts be removed and blocked from my credit files. 

1 ) XXXX XXXX {$120.00} 2 ) XXXX XXXX   {$1800.00} 3 ) XXXX XXXX  {$340.00} 4 ) XXXX XXXX XXXX {$1100.00} 5 ) XXXX XXXX  {$260.00} 6 XXXX XXXX XXXX   XXXX {$61.00} 7 ) XXXX XXXX XXXX  8 ) XXXX   XXXX XXXX  XXXX XXXX  9 ) Dept of ED/ XXXX {$56000.00} 10 ) Dept of ED/ XXXX {$31000.00} 11 ) XXXX  XXXX  XXXX 12 ) XXXX  XXXX  13 ) XXXX XXXX  XXXX 14 XXXX XXXX XXXX  XXXX
Product: Debt collection

On XX/XX/2018, I was contacted via telephone by XXXX XXXX, from XXXX XXXX XXXX. She indicated I had a debt in her office and the original creditor was XXXX XXXX XXXX. I advised her I didn't know who they were. I had seen them on my credit report before. She advised me that even though the original creditor was XXXX XXXX XXXX, the debt from XXXX XXXX was from XXXX XXXX XXXX. She said she had the contract with my signatures on them and would email them to me that same day which she did. I then advised her, there is another collection agency reporting on my credit report for this same original creditor ( XXXX XXXX ). She, XXXX, said there shouldn't be another agency looking to collect for this same debt. I told her I would review the materials she sent and act accordingly, end of that conversation. The collection agency XXXX XXXX XXXX XXXX has listed themselves on my credit report as collections for the amount of {$2000.00}. Now the issue I have is Accelerated Receivables is also listed on my credit report in the amount of {$930.00} and the original creditor is also XXXX XXXX XXXX. I have carefully reviewed both contracts that each collection agency has sent and it appears they have taken the contract and split it in two. Both contracts are signed the same day and in section 4 of one of the contracts, the payment amounts are the same. It also has the words written XXXX XXXX by the security consultant. One contract is for 33 months but the other says 36 months. Both contracts from each collection agency has my signature and date however the signature/date for the sales consultant is different on each contract. Under the FDCPA, two collection agencies can not collect for the SAME debt. 

I decided to cancel my contract as I didn't even own the house I was living in at the time and only contacted XXXX XXXX XXXX as the house I was living in was broken into 1 week after I moved in. After learning from the owners of the house they would not be responsible for the security system, I canceled the contract. I didn't make 1 payment. The company continued monitoring even with no payment made. 

I have attached a front copy of both contracts sent to me for your review. There appears to be abusive, unfair, and deceptive practices by both parties involved which is a violation of the FDCPA. When I asked for validation of debt, Accelerated Receivables only sent the top copy ( 1 page ) of the contract while XXXX XXXX XXXX sent the remaining pages of the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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

A certified letter was sent asking to validate my with Southwest Credit, they failed to do so. I do not owe Southwest Credit, nor do they have any contractual agreement for payment from me the debtor specifically. Therefore, they must remove such inaccurate and negative information from my credit report.
Product: Credit reporting or other personal consumer reports

I just pulled a copy of my credit report and found inquiries that I did not authorize.
Product: Credit reporting or other personal consumer reports

I had a Mortgage that was paid off back in XX/XX/year>. Before I paid off my mortgage these consumer companies ( Experian, XXXX ) had taken over XXXX points off my credit score for being 30 days late. But ever since I paid it off they have not raised my credit score.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my sister said a Venmo representative would be calling because she needed help with her account. There was money transferred to my venmo account from her. The alleged Venmo representative called and asked take amounts from that money and transfer to individuals with my sister line in the memo. After about 40 minutes on the phone with them, my husband called my sister and said I was still on the phone with Venmo and she said to hang up because she thinks it was a scam. So, I immediately got off the phone and filed disputes with Venmo to stop the transactions via each transaction as well as called them. 

Dispute Date Dispute Id External Payment ID Denied Appealed XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX to XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX to XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX to XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX to XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX to XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX to XXXX They then denied them on XX/XX/XXXX and I appealed them back to them on XX/XX/XXXX. I also sent them another email on XX/XX/XXXX. Then on XX/XX/XXXX, I received an email stating I do not sufficient funds to cover a disputed case. I then replied back to them again on XX/XX/XXXX stating this was again this was fraud that was immediately disputed and they needed to clear it out. They replied on XX/XX/XXXX asking for information, I then replied back to them on XX/XX/XXXX with the following : Do you know the recipient of the transaction? : No Did you contact the recipient for this transaction? : No Was your device lost, stolen, or out of your possession at the time of the transaction? : No Do you currently have possession of your device? : Yes Did you ever give anyone permission to use your account or device? : No Did you already dispute this transaction with your bank? : My sister and I both notified you all as soon as we were scammed by someone pretending to be from Venmo. We both asked you not to transfer funds and explained what happened. We both have separate cases. Those charges were all disputed within minutes to Venmo as the bank. 

No goods or services were exchanged. These were all fraudulent. 

They replied on XX/XX/XXXX with a denial. 

On XX/XX/XXXX, was my latest appealed and asked for escalation on venmo request # XXXX that denied and have not heard anything back. I even resent it on XX/XX/XXXX to XXXX ' XXXX ; XXXX and still have not heard anything back.
Product: Credit reporting or other personal consumer reports

The company sent documents that doesnt show that I signed anything. The address provided. I havent lived at in years XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, my last name has changed. I was married back in XXXX. I spoke to the dealership where this car was purchased and it was purchased online and the person never came in person. The dealership just delivered this vehicle
Product: Credit card or prepaid card

On XX/XX/2020 I received a U.S. Bank ReliaCard. I knew that I hadnt applied for this card nor do I have an account with this bank. After doing some investigating, I believe this card was sent to me because someone applied for unemployment benefits in my name. Im not unemployed. I tried calling the number associated with the card and the number is inoperable. This needs to be investigated and fixed.
Product: Credit reporting or other personal consumer reports

Equifax did not properly investigate my credit report error. I have an account that is NOT MINE as I am a victim of identity theft and it is Prestige Financial. I asked equifax to investigate and they did not or they did but did not do it properly.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : The following list of accounts has infringed upon my federally protected consumer rights to privacy and confidentiality, as stated in accordance with 15 USC 1681. These accounts, XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX  : XXXX, XXXX  XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX have violated my rights. On XX/XX/year>, I reviewed my Equifax credit report and discovered various instances of incomplete and inaccurate information. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it is obligated to employ appropriate measures in ensuring the highest possible level of accuracy regarding the individual in question, as outlined within 15 USC 1681 ( e ) ( b ).

Accordance with 15 USC 1681 ( 5 ), the treatment of inaccurate or unverifiable information is encompassed as follows : ( A ) Following any reinvestigation under paragraph ( XXXX ) pertaining to any information disputed by a consumer, should it be determined that an item of information is inaccurate, incomplete, or can not be verified, the consumer reporting agency shall take prompt action, either by deleting said information from the consumer 's file or modifying it as deemed appropriate based on the outcome of the reinvestigation. In addition, the consumer reporting agency shall notify the furnisher of said information in a timely manner, informing them of any modifications or deletions made from the consumer 's file. 
Furthermore, in accordance with 15 USC 1681s-2, it is the responsibility of the consumer reporting agency to stop from furnishing any information related to a consumer to any consumer reporting agency if the person possesses knowledge or reasonable cause to believe that said information is inaccurate. '' XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts on my credit report XXXX  XXXX XXXX XXXX that are reporting inaccurately they both are showing past due balances and they are open. According to the fcar I have a right to an accurate credit report. There in violation
Product: Money transfer, virtual currency, or money service

I had sent a resume via XXXX to a work from home position and was contacted by XXXX and XXXX via text message. I was told to download telegram and speak to the HR manager to discuss the position. I was interviewed, hired, and told that I would receive equipment. I received a fake check, deposited, and sent money to several people for the equipment but never received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$3200.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; ; XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} ; XXXX XXXXXXXX Balance Owed : {$4500.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX Balance Owed : {$820.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute all unverifiable transactions contained in Summary File Disclosure, Consumer ID : XXXX prepared on XXXX/XXXX/XXXX by XXXX XXXX summary disclosure. 

As the Secured Party Creditor, and the holder of the XXXX XXXX interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the XXXX XXXX for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the  debt, including all interest and fees, XXXX. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a  copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a  Certified and True Copy of the original signed agreement or application. 

Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].
Product: Credit card or prepaid card

Hello, and How are you doing during this global pandemic specially Covid19? I cant wait for this to be over honestly! But listen, I was shocked today when I reviewed my credit report and found late payment remarks on my credit even during covid on both of my credit cards and there is a restriction on it now too. Remember, i called you guys that i never received the replacement cards too!??! 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX my credit card was closed due to fraudulent return payments. The card as has fraudulent charges in the account that I told the merchant Capital one that the charges on my account was not me. My card was stolen and nobody would do anything about it. Its been on going thing for two years. Im suffering from identity theft and they will not acknowledge that and remove those transactions.
Product: Credit reporting or other personal consumer reports

Experian Dear Sir or Madam, Re : Report Number : XXXX I need my full file disclosure and I need you to only report information that is 100 % accurate and complete on me. I do not want any incorrect, incomplete, or misleading information on my report. THIS IS MY FINAL REQUEST. 
I submitted a dispute on XXXX and on XXXX I received unfavorable investigation results. 
XXXX. Account Name : U S DEPT OF EDXXXX Account Number : XXXX Balance : {$3100.00} You claim that the account was updated verified after your dispute yet under the payment history you have ND ( which per my understanding is NO DATA for XXXX  MONTHS. Why is the data missing? Why is this incomplete? Who verified this? 
Remove this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a student loan and began XXXX XXXX for HVAC to begin a career in XXXX. We were expecting a child. My Girlfriend XXXX XXXX XXXX XXXX XXXX XXXX. I had to adapt to provide and care for My Daughter. That was the reason for that time frame of neglect. They took My Federal Taxes to pay this. Several years of this and its paid. XXXX I had received most of my Fed Taxes. XXXX All of My Fed Taxes. Now that 12 years later, I've worked hard to rebuild a life, these marks effect me and my family growth. 
over the years I have attempted to resolve this with them on the phone and disputes. I get a run around. I have 1 student loan and they made 4 damaging marks from it. all bearing same account number. I have to mention that I feel attacked by them from this. For years I paid thousands and thousands from my federal taxes and they still show up I owe? docent seem right. People in these situations are down. They know that. But, I never gave permission/agreed to open one or multiple improper accounts bearing my name and info. 

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

15 U.S.C.1681 section 602a states I have rights to privacy.

15 U.S.C. 1681section 604 : it also states a consumer reporting agency can not furnish a account without my written instructions. 


( the account # s were from my report printed out and showed the XX at end. provided by XXXX. ) Account name U S DEPT OF EDXXXX Account number XXXX Balance {$8600.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX
Product: Money transfer, virtual currency, or money service

I set up an IRA with Wells Fargo account to receive my {$30000.00} 401-K from XXXX/XXXX XXXX. XXXX claims they mailed the check to the Wells Fargo CASH IRA account ending in XXXX on XX/XX/2020. It is now XX/XX/2020 and Wells Fargo claims they have not received the check at the address given to me by Wells Fargo, which is the address they use to receive IRA transfers : Wells Fargo Bank, XXXX XXXX XXXX XXXX ( XXXX XXXX ), XXXX, NC XXXX. IT looks like they lost another check of mine.
Product: Credit reporting or other personal consumer reports

I called to see if the inquiry could be removed they told me I need to file a police report which I did and contact the credit bureaus which I also did. XXXX told me to make a complaint on this website so here I am making the complaint.
Product: Checking or savings account

When I opened the checking account, CITI was offering a bank bonus for new checking accounts. There were terms of making XXXX dollars within 90 days that I met. After meeting those deposit requirements I was supposed to receive XXXX dollars. I confirmed with a customer service agent after opening the account was eligible for the sign up bonus. Secondary communication with CITI said there was no sign up bonus at the time I signed up. I feel like CITI used false advertising to sign me up for a new checking account then yanked the rug out from me.