23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I happen to get a notification that and account was added to my credit reports so I looked at the notification and it was saying i had a collection from a company called First Credit Services trying to say I owe on a XXXX XXXX  bill that I was suppose had open two months ago witch isn't mine I've used the same XXXX XXXX  for years., and this company tried to do the same thing earlier this year trying to say I opened it two months before they added the fraud account to my credit report. they never sent me anything about this account just like they did before, and them thinking I'm just going to pay something that isn't mine
Product: Credit reporting or other personal consumer reports

I specifically requested proof of these accounts and inquiries. I asked that if accounts were labeled verified I would receive an updated credit report and proof of point of contacts for verified accounts and inquiries in writing! You have failed to provide proper communication into the accounts harming my profile.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was reviewing my consumer report and I noticed that I had some unauthorized inquiries on my report from companies I have not done business with nor have any accounts with. Here is a list of the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX  XXXX account was adjudicated during Chapter XXXX. The account reappeared on my credit report after my Chapter XXXX was closed.
Product: Consumer Loan

I am a victim of identity theft, I have filed a police report and a signed affidavit, someone received a loan on my name without my consent or knowledge with Volvo Finance, I have forwarded all the necessary documents to them and they are ignoring me and giving me the run around.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX # XXXX XX/XX/year> I hearby request Validation of debt collection practice act ( FDCPA ). 
Statements alone are not sufficient evidence of debt. As establish in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a mere statement does not satisfy the burden of proof. therefore I request you provide : 1. The original contract or agreement. 2. A detailed accounting of the debt, including all charges and payment made. 3. verification from the original creditor that you have the legal right to this collection debt. Additionally, I demand that you cease and desist from all communication with me, as provided by the FDCPA. This includes, but is not limited to, phone calls, email, letters, or any other form of communication. Furthermore, this cease and desist request extends to any form of communication via my consumer reports. Thus, you must delete any entries related to this debt from all consumer reporting agencies. Account LVNV FUNDING LLC XXXX if you fail to comply with this request.
Product: Vehicle loan or lease

This complaint is to Volkswagen Financial service www.vwcredit.com My bank XXXX XXXX XXXX XXXX sent a check to Volkswagen financial on XXXX of XX/XX/2021 and Volkswagen financial received my pay off check on XX/XX/2021 and the check was cleared on XX/XX/2021. The check amount is {$20000.00} and the XXXX tracking is XXXX. ( which shows when they received my check ) I called VW before my due date on XX/XX/2021 and in between I talked to 5 VW representatives and the issue still has not been resolved. I even sent them the check copied on XX/XX/2021 to show they have cashed my check on XX/XX/2021. 

This doesn't not look good on my credit report because so far my VW account is still showing I did not pay off the VW lease and I have another loan with XXXX XXXX XXXX XXXX. 

They wasted more than 5 hours of my time in total and still not willing to take any ownership or actions to do the right ethical way to pay off my lease. I provided additional check image to show they cashed my check to XX/XX/2021. They still did not resolved the issue. They are doing unethical business by not reporting the proper data to the credit bureau agencies. And I have to buy a property in the new few months.
Product: Debt collection

I get repeated calls threatening to be arrested at my home or place of business.
Product: Student loan

I sent in XXXX checks ( {$6200.00}, {$4100.00}, {$4400.00} ) to payoff my student loans that I had taken out for my sons college education. The checks were sent in on XXXX XXXX. As of today, XXXX XXXX, the checks have not been posted. I have been told I sent the checks to the wrong address. I also have been told the checks were cashed already, but the money has not been credited to my account. I believe the accounts should be paid off with an effective date of when the money was received and I should not accrue an additional interest. 
I included a letter which stated if there was a problem and/or question to contact me at my email address or cell phone.
Product: Debt collection

On XX/XX/21 I paid XXXX from AWA {$3500.00} to have this account removed from my credit report. XXXX verbally and written a promise to remove the debt from my credit report and the co-signer on the account. XXXX also informed me to dispute the debt to rush the removal. I dispute the debt on XX/XX/21. On XX/XX/21 AWA report to three credit bureaus that this debt is valid and owed in full. However, AWA removed the account from the co-signer and left the account on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the fair debt collection practices act 15 us 1692 ( b ) ( c ) ( g ) by laws I did not give this collection agency the right to place/furnish anything on my credit report. They are in FDCPA violations, I have a right of protection from disclosing my debt/information to others by law it is the consumer reporting agency resposibility to protect my rights from furnishing my credit report with the following documentation such as Consumer statements, Public remarks, Closed accounts, Inquiries, Closed statement remarks, Late payments/remarks/Victim of fraud statements on all three credit beuruas XXXX, Transunion, XXXX
Product: Student loan

I have argued numerous times that my Tuition Answer Loan was discharged as part of my XXXX  XXXX bankruptcy AND XXXX  XXXX bankruptcy ( see attached ). They have continued to collect monthly payments since then both discharges were filed by the court. As per a number of recent cases, it has been determined that in fact the Tuition Answer Loans are dischargeable. 

See XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) United States Court of Appeals, Second Circuit. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Navient Solutions , LLC, Navient Credit Finance Corporation XXXX XXXX No. XXXX Decided : XX/XX/XXXX Before : XXXX, XXXX, XXXX, XXXX XXXX  XXXX 

There are three student loans that I took out with Sallie Mae ( now Navient ) while I was in college XXXX. The Navient student loans were discharged in Bankruptcy. I have attached the discharge papers that include other " student loan '' companies as well as the courts sentence stating that the unpaid amounts have been discharged. The other " student loan '' companies have realized the loans were discharged in Bankruptcy ( see additional attachments. ) These are all non-qualified private student loans, so they are not exempt from discharge under the bankruptcy code. They were taken out as direct consumer student loans, not certified by the school, and they were in excess of any scholarship and the federal student loans that covered by tuition. No further petition needs to be filed with the court for the discharge, according to the bankruptcy code any non-qualified private student loans are automatically discharged. I've told Navient this multiple times, but they just say that student loans can't be discharged in bankruptcy, which is only accurate for federal and private qualified student loans.
Product: Credit reporting or other personal consumer reports

SYNCHRONY FINANCIAL XXXX XXXX XXXX SYNCB/PAYPAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request that these inquiries be removed from my report because were not authorized
Product: Mortgage

I paid my mortgage with a personal check to OCWEN on XXXX/XXXX/2016 for my mortgage. It took them 12 days to cash the check. The check was cashed on XXXX/XXXX/2016 and on XXXX/XXXX/2016 they send me a statement stating that I am past due. I am not past due. I called them today XXXX/XXXX/2016 and spoke to XXXX, relationship manager, and she confirmed I am not past due and she has NO IDEA why they sent me this notice dated 5 days after my payment stating I am past due. I would like to have a corrected mortgage statement. Someone is making errors at the bank on my mortgage.
Product: Credit reporting or other personal consumer reports

XXXX mismanaged my student loans and reported me to collections while I was in the process of consolidating with XXXX for PSLF. I currently have a closed account with XXXX and it has impacted my credit score tremendously. I have no way of contacting XXXX to resolve this issue because they are no longer servicing student loans due to their previous fraud and mistreatment of people. Please help remove this from my credit report!
Product: Credit card

I have called since XX/XX/XXXX on this matter, and I have tried to get in contact with XXXX and XXXX since then and have had no luck getting with the correct person to finish my claim. I have been told multiple times that this dispute has been processed and the money was supposed to be taken off of my current balance since I had to pay for it last month. This was promised to be taken care of and the money was supposed to be credited before the XXXX. I have gotten nothing but a run around and everyone just pushes the responsibility to someone else. Every time I call in the next rep says there are no notes and no call back requests. I have called at least 15-16 times now to get this settled and I am always told that the person I need to talk to is not working or that they will call me back. I am now going to be facing penalties on my credit since this balance has not been removed yet. This is causing me so much more trouble than necessary and I am very disappointed in US Bank.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I send a international wire transfer to XXXX XXXX  XXXX, XXXX XXXX for {$1600.00} through my checking account with Wells Fargo, For a deposit of a rental on a room in XXXX XXXX XXXX Florida. After no contact with the supposed owner, I opened a fraud with calm on XX/XX/XXXX 17 days after the the wire transfer was sent. I called Wells Fargo again on XX/XX/2021 to check statue on my clam, I was told the clam investigation was still in progress. I called again on XX/XX/2021, got the same answer. I told the Wells Fargo rep to please have someone working on the investigation to contact me, I heard nothing. I received a letter from Wells Faro dated XX/XX/2021 stating they had completed there research, and that too much time had passed before I had contacted Wells Fargo about this fraud. 17 days from the day to the transaction to the claim filed on XX/XX/2021. 
I contacted Well Fargo on XX/XX/2021 at the number I was instructed to call if I had a problem with these findings. I got the usual runaround, transferred numerous times to my call being cut off by an automated system. Wells Fargo did NOTHING to help recover these funds that were transferred through their bank! I believe Wells Fargo believe If they give me the runaround, never answer my calls, numerous inquiries, I will just accept there excuse that I waited to long to report! That is not the case which is absolutely not TRUE! Wells Fargo did nothing to help me or solve this fraud.
Product: Money transfer, virtual currency, or money service

Ive already filed a complaint Against PNC recently in regards to this particular issue. I currently have a pending complaint awaiting response from PNC about my submission surrounding the controversy of my complaint. I however Would like to submit documentation on behalf of my dispute. Upon going over my statements leading up to the Date of XX/XX/2021 Ive come to notice the information provided on my statement from PNC doesnt correspond with the information I have on my account with XXXX  The statement Dates and amounts are inaccurate as if theyve manipulated the system to Match their fraudulent actions with XXXX however you are unable to delete any Cash Transfer Received cash deposit or Added cash transfer from your bank to XXXX PNC Has overcharged me an excessive amount of overdraft fees for money I had available in my account to spend and make purchases When I spoke with a representative about it she said its because I didnt have the available funds during the time of my transactions which is a lie Ive had well over enough funds they wiped out my savings and checkings for overdraft fees that were inaccurate basically stole my funds
Product: Debt collection

XXXX XXXX, FL XXXX You have to call or go into the store to cancel your internet-TV service. You can't email them or go to the website to do it but you can activate a new account that way. That in itself should be changed. So I cancelled my service on XX/XX/XXXX via a phone call to customer service. It showed cancelled in the billing on XXXX on their account page. Then somehow was reactivated on XXXX after I sent all the equipment back via XXXX then next day XXXX. I called and cancelled again in XXXX and he said the account wasn't showing cancelled, SO again I cancelled it. I received another bill, and called again and was told to ignore it as it wasn't showing the credit of the equipment yet. Then on XX/XX/XXXX I posted to the billing support group who advised me to go to the chat feature about it and no result. 
Months later I started receiving collection calls, This is all for {$100.00} and as I told them during the 3 calls I made to XXXX  I am not about to pay for something I didn't even have access to as I had returned the equipment and had no access to the service after XXXX. 
Now another collection agent Easter Account System of Connecticut is trying to again collect.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX  NOW ACCT XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX ACCT ACCT XXXX XXXX XXXX ACCT XXXXXXXX XXXX XXXX XXXX ACCT XXXX XXXX  ACCT XXXX XXXX  ACCT XXXX XXXX  ACCT XXXX XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In XX/XX/XXXX I was made aware by the IRS that there were XXXX years in which I was a victim of identity theft. This person used my information to collect my tax returns for those XXXX years. I am in the process of repairing my finances as a result and just recently began the journey to credit worthiness. 

This account is XXXX of the accounts I did not recognize on my credit report and on XX/XX/XXXX I sent a letter to the XXXX disputing a debt collection activity that I noticed on my credit report. I requested documentation with proof bearing my signature. I also stated that if they could not provide me with proof in 30 days, based on the FCRA it is their responsibility to remove this account. I sent this letter certified and they signed for this on XX/XX/XXXX. 

To date I have only received the copy of a bill from this company. In XX/XX/XXXX, I noticed due to lack of their proof they did remove this debt. 

However, on XX/XX/XXXX, I was made aware that a new company, Enhanced Recovery Company had submitted collection activity on my account in the same amount as the unverifiable debt which was previously removed from my report by XXXX. 

To make matters even worse, this company did not notify me nor give me an opportunity to dispute this debt with them, which is a direct violation of my rights under the FCRA. I have tried to reach out to them, but have not received a response and address information provided for them has returned as undeliverable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair credit reporting act, Account XXXX XXXX XXXX XXXX Account number XXXX has violated my right. 

15.4.s.c.1681 section 604 A section 2. 

Please remove account.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XX/XX/2024 Chase Bank Dispute Department Dear Chase Bank Dispute Department, Subject : Dispute of Fraudulent Account and Past Due Payment My name is XXXX XXXX, and I am writing to dispute a recent matter concerning a past due payment of {$1000.00} associated with a Chase Bank account. I have received multiple letters regarding this debt, but I have no recollection of ever opening a bank account with Chase Bank. 

As a minor, I have never personally opened a bank account, and I believe this account was created fraudulently as part of identity theft. I am approaching the age of XXXX and would like to resolve this issue promptly. I have filed a report with identitytheft.gov and am in the process of submitting another report with the Consumer Financial Protection Bureau ( CFPB ). 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that Chase Bank investigate this issue and take the necessary steps to close the fraudulent account and remove any associated debt. I should not be held responsible for a debt resulting from actions I did not authorize. 

Please confirm once this matter has been resolved. Thank you for your prompt attention to this issue. 

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

In XXXX I was refinancing my home and this fraudulent account appeared on my credit report. I went to Curacao and was shown his profile picture and it was not me and was told to dispute it with the credit bureaus. I disputed this account with all three bureaus. In XXXX I was refinancing my home and this account appeared again but only on my XXXX  report. I have disputed again with XXXX. La Curacao refuses to report to XXXX that this account doesn't belong to me since there is information that doesn't match, for example my address, maiden name, middle name ( which I don't have ) and SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under Law ( 15 usc 1681a2 ). All three credit bureaus have been falsely reporting an account XXXX XXXX XXXX that should not be in my credit report. I have never done any business with this company ; nor did not give written permission to have this account furnished in my credit report. 

XXXX TransUnion XXXX XXXX XXXX XXXX
Product: Student loan

This complaint involves two issues. The first issue I had was that Conduent loan services did not credit my account with the correct amount that I had paid. They had shorted me by about {$250.00}. After multiple phone calls, first to XXXX, ID number XXXX, and then to XXXX, ID number XXXX, the issue was finally resolved. It took way longer, about a month to resolve this, than it should have. Thankfully, I pay attention to my records, or would never have known about this issue. The second issue I had was receiving another borrowers personal information in the mail. I opened the mail, as it was sent to my address and I have loans serviced by Conduent, so I thought they had put the wrong name on the correspondence. Upon opening the mail, I realized it was someone elses application, with her personal information on it. I was horrified to think that someone might get a copy of my personal identification and financial information in this way. I called Conduent to report this error and the customer service rep was extremely rude and said clearly the mail was addressed to someone else, as if it were my problem that I opened mail from a servicer I use that was sent to my address. He told me to return to sender. I asked his name and ID number and he hung up on me. This was on XX/XX/2018. I am extremely concerned that an organization such as Conduent is handling money and personal information from me and many others. My confidence in this companys professionalism and financial management capabilities is extraordinarily low.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX ON XX/XX/XXXX I SENT CERTIFIED MAIL ON THIS DATE I GAVE SOME LETTER FOR DELETED THESE ARE NOT MINES AT ALL. 

PLUS THE LETTERS FROM XXXX XXXX XXXX   AND XXXX AND XXXX ME AS WELL. 

THESE ACCOUNT NEED TO BE REMOVED NOW .. 
1. XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX THESE ACCOUNT DONT BELONG TO ME AT ALL I SENT IN A LETTER PROOF TO XXXX XXXX XXXX XXXX .. 

I HAVE NO ACCOUNT WITH THESE COMPANY NEVER DONE BUSINESS WITH THEM AT ALL .. 


NOW. XXXX  AND XXXX REMOVED ALL THESE AND WITH THE PROOF PROVIDE ..