23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018 a Affidavit of Truth ( Fact ) was mailed via certified mail : XXXX XXXX XXXX XXXX XXXX. It was received XX/XX/2018. SOUTHERN MANAGEMENT CORPORATION is demanding that I pay {$720.00}. According to UCC 2-201 ( 2 ) silence under Tacit Consent. They were given 21 days to respond to rebut the facts point for point law for law. They have not rebutted the facts. The third party witness is my public notary. SOUTHERN MANAGEMENT COPORATION actually had two months to respond and still acquiescence by silence and Tacit Consent. Default Judgement dated XX/XX/2018 was mailed certified mailings : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. After submitting the Default Judgment I received only a XXXX XXXX XXXX XXXX Fraud Affidavit with only ten days to respond. This affidavit did not rebut any facts in any way shape or form. Nor does it have any laws rebutting my Affidavit of Truth ( Fact ). On XX/XX/2018 a Certificate of Commercial Dishonor has been submitted to the court for filing. The mail they sent it in is Fraudulent Mail with electronic stamping, my name has no FKAs, AKAs, or DBAs I don't know who that person is. Nor do I know there intent and I do not wish to contract with them. Nor have I consented to contract with them. All my affidavits have been signed and notarized by a public notary. The filing for this has been mailed to XXXX County Superior Court in XXXX, Georgia with the county clerk. The county clerk has been submitted her Oath of Office if the Affidavit is not filed when received, please see book 1 pages 435 - 436. I also have filed a Power of Attorney in Fact please see Book 1 Pages 437 - 438 these were filed in the Real Estate Office of the court. Proof will be attached here as well.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX this is a billing error always paid as agreed on time this is an error this account in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late
Product: Checking or savings account

Chase didn't make available funds that were in my account which I should have been allowed full access to. They refused to cooperate or explain and didn't answer any of my questions and It caused me huge inconveniences.
Product: Debt collection

XXXX XXXX XXXX, last email sent to me, XX/XX/year> : Third party creditor keeps contacting me about debt from original creditor Upgrade, XXXX XXXX of XXXX XXXX The information is inaccurate because the debt has been re-aged to extend the reporting period illegally and also the balance reported on the charge-off account is incorrect. 
I am writing to complain about the inaccurate information that appears on my credit report. I have reviewed my credit report, and I have identified a charge-o account that I believe is being reported in violation of the Fair Credit Reporting Act ( FCRA ). 

I have also reached out to this creditor to inform them to cease all communication with me. 
15 USC 1692c ( c ) that law clearly states : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Checking or savings account

Fraud department wrote false information on chexsystems and shut down my whole account costed me XXXX dollars in lost
Product: Student loan

I filed a complaint against XXXX based upon their fraudulent and deceptive practices. The Department of Education has already forgiven my Federal Student Loans based upon the XXXX XXXX XXXX  fraudulent marketing practices. However, XXXX did not approve their own internal forgiveness application that was mandated through a lawsuit. I submitted my application to XXXX in the summer of XXXX  ( XXXX ), before the deadline period ended. They asked that they be allowed 90 days to review all my information, and during this time my payments would be placed in a deferment status. Unbeknowing, to me during the 90 day review period they decided to transfer my private student loans portfolio to Mohela as they DENIED my loan discharge application. It is my discovery that Mohela does not manage private student loans nor do they have a forgiveness program for private student loans. In XXXX, XXXX representatives begin to harrass me daily stating that I needed to pay them {$2500.00} due to past due payments, even though they had transfered the loans to Mohela. Now, Mohela harrasses me stating I have a past due balance of {$8300.00} and they plan to ruin my credit. I paid XXXX for 9 years with a autodraft each month from my checking account with the amount ranging from {$1100.00} to {$900.00} each month. This is a serious matter that I hope you can help me resolve.
Product: Debt collection

I received my first statement from XXXX XXXX XXXX, XXXX dated XX/XX/XXXX, stating that I owed {$290.00} in regards to an outstanding account after I made two purchases at Old Navy in XXXX. Upon further review of all my records, this is what I was able to deduce : 1. I never received any statement ( s ) from Old Navy at my address after these last two purchases were made and now i know why. XXXX XXXX sent me a copy of an Old Navy statement with a due date of XX/XX/XXXX which i had never received as it was sent to the wrong address ( XXXX instead of XXXX on my street ). 
2. From XXXX XXXX, i also received a copy of a letter dated XX/XX/XXXX stating that Synchrony Bank had sold the account to XXXX XXXX. This letter was mailed to the wrong address ( XXXX instead of XXXX on my street ), and i never received it either. 
3. XXXX XXXX must have researched as i received their first statement dated XX/XX/XXXX to my correct address. 
As notes on my account specify, immediately after I read their letter, I had a few phone interactions with XXXX XXXX regarding this outstanding account and attempted to sort out what had happened. As such, the account ended up in a status of being disputed as specified on their second statement dated XX/XX/XXXX. 
After researching my past bank statements and resolving the fact that I do have two Old Navy Visa cards ( one of which I never activated ), I do acknowledge that I did make two purchases at Old Navy in XXXX for the total amount of {$88.00}. On XX/XX/XXXX for {$3.00} and XX/XX/XXXX for {$84.00}. Not having received any statements from Old Navy and not having received any collection letters from Synchrony Bank, I was unaware that these two purchases were left unpaid. After receiving two XXXX XXXX statements and various dispute resolution phone calls, I sent a check ( # XXXX ) dated ( XX/XX/XXXX ) for {$88.00} ( the amount of both original purchases ) to XXXX XXXX in anticipation of resolving this matter quickly. As I never received any Old Navy statements and as I never received any collections letters until this one, I did not include any of the {$200.00} in accrued interest ( which is still outstanding and I am disputing ). 
I contacted the Senior Citizens Law office in my city, XXXX NM and they advised me to contact you to register a complaint. They also suggested that I get my credit report to see if XXXX XXXX had posted any adverse information. They have. Until this adverse report from them I have never received a bad credit score in my life. There is literally XXXX pages of positive credit reports and the one from XXXX XXXX ( which will remain for the next 7 years ). I feel this company was exploitive with me and over multiple phone calls made no attempt to compromise on the amount due. The interest due has thus accrued to a whopping {$200.00} which i believe to be unconscionable. 
Respectfully, XXXX XXXX
Product: Vehicle loan or lease

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX is on my credit as a charge off has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions My name XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

They XXXX XXXX is reporting inaccurate information to 3 credit bureaus which negatively impacts mycredit score for a 1 missed payment XX/XX/2014 for {$57.00} in which they never sent a bill or sent it to an incorrect address a mistake on their part-/ this happened their error 4 yrs ago and their mistake should have no bearing on my credit score! I want them to correct their error with all credit bureaus onvolved also when I paid off my balance in 2014 I told them to close my account which they also have not done!! Their services are very poor to say the least!
Product: Credit reporting

Time for my daily complaint with Equifax. I would like to state again that the accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are not mine and are fradulent. XXXX XXXX XXXX claims that a name unknown to me was on this account and it was charged off with a person using my wife 's maiden name 2 years after we were married and her name was changed with XXXX XXXX XXXX XX/XX/XXXX, the proof was provided to Equifax through the CFPB. XXXX XXXX XXXX is an account that was never mine as well, but they hired a company that was sued by me in court and the settlement terms stated that this debt was to be erased, a copy was sent to Equifax and the CFPB and was allowed to be sent to all parties based on the fact that this involves a financial issue. XXXX XXXX is also an account open fradulently as the only jewelry I own came from XXXX XXXX and is insured and worked on with their company. All XXXX of those companies were also called on XX/XX/XXXX and I was informed that no information or conformation was sent to Equifax as Equifax claims. I would also like to add that I received a status update regarding XXXX XXXX XXXX. Equifax claimed that all but XXXX thing was removed by Equifax except I never claimed these accounts were not mine. I requested a block on them pending a medical malpractice lawsuit against their client for negligence and a missed XXXX diagnosis by refusing to do a XXXX and a XXXX as well as ordering unnecessary XXXX that caused bodily harm. I was personally informed by XXXX that all their information was being removed and Equifax was informed that they wanted their information removed yet the resolution Equifax has looks like they are keeping XXXX 's information on my credit report against XXXX 's request, making it seem like an act of revenge. I have and will keep making all these complaints until Equifax follows the law and is held accountable for breaking the law.
Product: Credit reporting

The Trans Union is in violation of the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify the accounts in their report.
Product: Money transfer, virtual currency, or money service

As a merchant XXXX ), I processed a charge of XXXX through my credit card proccesor Square on XX/XX/2021 for services provided to XXXX XXXXOn XX/XX/2021, the charge was disputed by the customer, stating services not provided. Upon receipt of the customer 's dispute, Square deactivated my account. However asked for evidence to challenge the chargeback. I submitted support documents to establish services were provided ( promotion media, service agreement, emails, credit card authorization ). Square debited my bank XXXX. 
The customer submitted a copy of an email sent to her guest, advising the event was canceled due to low participation and their creditt cards would not be charged as her evidence. Yet failed to admit to her bank she was in fact the client not a guest.This fact should have been clear by the service agreement I provided. The chargeback was schelued to be determined XX/XX/2021. On XX/XX/2021, I received notification from Square the chargeback was decided in the customer 's favor, Not understanding how we lost the dispute, I requested Square to provide the case number and a copy of the challenge they presented to the customer 's bank. Square has advise they can not provide the information I requested. I personally believe Square didn't challenge the dispute and that is why it was decided in the customer 's favor. I want to file an arbitration with XXXX but I can't without the dispute case number that Square refuses to provide. If they acutaly challenged the disput, there isn't a valid reason not to provide the case number. This by all accounts is deceptive practice. Additionally, due to my account being deactived, I can not access Square by phone. 
I lost XXXX for their failure to honor their professional resposibility. I'm requesting your assistance to resolve this matter. I'm requesting Square to provide full disclosure respective to the dispute of XXXX ( merchant ) and XXXX XXXX ( customer ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On around unkown dates, Convergent Outsourcing Inc, XXXX XXXX XXXX, XXXX XXXX XXXX, and credit management, placed a collection claim on my credit, for an alleged cell phone bill. I have received NO communication or proof of this bill prior to or since the credit inquiry from my credit report. I have received NO documents validating this owed amount. I have NOT received any validation of this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and I am requesting the file to be immediately closed as it has no basis to be on my credit report. I do not currently have nor, have I ever had any business dealings with Convergent Outsourcing Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and have not given them nor anyone affiliated with them authorization to view or obtain a copy of my Credit Report. I am requesting that my Name, Phone number, Email and any other personal information be removed from the Convergent Outsourcing, XXXX XXXX, XXXX XXXX  and XXXX credit database and prohibit them from selling this debt off to yet, another collection agency. I have been advised by XXXX that my SS number as well as my phone number have been compromised. I have been advised to alert the SS department, alert the credit reporting agencies and place a freeze on my credit as well as file a police report. I've done all of these things. I will be seeking legal guidance and or pursuing legal action against, Convergent Outsourcing, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX for the illegal purchase/sale/use of this unverified/invalidated collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo ( WF ) reports the correct loan balance to CFBP, and to consumer, but inaccurately reports the balance to credit reporting agencies. Wells Fargo in its documentation to CFBP accurately reported a mortgage balance of XXXX ( see page 2 of their response to my last complaint ) but reports a balance of {$86000.00} ( see attached screenshot ) to the credit reporting agencies for the month of XXXX. When I presented this to them they refused to correct it with credit reporting agency in their letter.
Product: Credit reporting or other personal consumer reports

Trans Union report had fraud on it. I was asked to submit police report, FTC report, Social Security Card, proof of my address, drivers license and a written statement as to the events and what needed to be investigated and removed. I mailed it in months ago and was told the indentification wasn't sufficient and to resubmit via mail. I did. I received a written response back on XX/XX/year> after 45 days since complaint. The response which is attached shows the XXXX inquiries and XXXX account were deleted. pages XXXX, XXXX, XXXX of attached letter. Yet when I log into my Trans Union account which I pay a monthly service fee too for the privileged of accessing my account these are all still showing on my report. I then called customer care and told the agent that these were still on here. She argued with me that the letter I have does not show any inquiries being removed and that I do not know what I am talking about. I asked to have this sent up for higher resolution and was told NO the only thing she could do would be to reinvestigate the items and wait 30-45 more days. This is a violation of FCRA, this is ridiculous when it was all ready investigated and should have been removed per their letter yet they will not take ownership of the problem and correct this.
Product: Vehicle loan or lease

Re : Request for co-signer release for Account NumberXXXX To Whom It May Concern : This letter is to request that my co-signer be released from the loan. It would be appreciated if you could evaluate my account to determine whether I am eligible for co-signer release.

In the event that you decide that my co-signer is not eligible to be removed from their obligation to repay my loans, please provide the following reasons : What is your current policy regarding co-signer releases?

What makes me ineligible for cosigner release?

Can you tell me when I will become eligible for co-signer release?

How do I qualify for co-signer release?

Will these requirements be modified in the future? How will any future modificationsaffect my release of my co-signer?

Please check and update my account to reflect that I intend to request co-signer release right away if I can not exercise this option right now. When I am qualified to have my co-signer released, please contact me.

Also, if you can't comply with this request in any other way or supply any of the information or evidence I've asked for, please explain why. I appreciate your cooperation. 


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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}, {$13000.00}, {$15000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6100.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, XXXX and XXXX reporting loan payments XXXX days late when I provide to the credit bureau proof I was in school XXXX and completed the documents to correct with each servicer. I have even filed a complaint with the omb office and no results.
Product: Checking or savings account

To my horror on XX/XX/XXXX I saw that my account was negative and assessed multiple NSF fees. 
An error in the XXXX XXXXpp, account, or site ( Im on chat with them now ) resulted in their ACH being sent through to this account causing the NSF. 
The XXXX XXXX XXXX payment was an error, but was not their fault and is valid and will be taken care of with deposits ASAP. I am not contesting that NSF fee, but I am asking for compassion in reversing it along with the errant XXXX NSF fee. 

I know that this is not your fault by bank error, but I really can not afford this added expenditure at this time and I will try to bring the account positive ASAP, but I need your help. 

Anything that you can do to mitigate and resolve this issue would be greatly appreciated in advance!
Product: Checking or savings account

I Got A Letter In The Mail From Department Of State Saying I Receive {$1700.00} With Bank Of America, I Have Not Open An Account With Bank Of America, Now I Can't Receive Any Government Assistants. This Has Made My Life A Bit Harder Now With The Pandemic.
Product: Credit reporting or other personal consumer reports

Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or l do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately. 

XXXX XXXX XXXX -- {$19000.00} XXXX XXXXXXXX -- {$990.00} DEPT OF ED/ XXXX XXXX {$2100.00} DEPT OF ED/ XXXX -- {$5500.00} DEPT OF ED/ XXXX -- {$1100.00} DEPT OF EDXXXX XXXX -- {$2200.00} DEPT OF ED/ XXXX -- {$4500.00} DEPT OF ED/ XXXX -- {$2200.00} DEPT OF ED/ XXXX -- {$2300.00} DEPT OF ED/ XXXX -- {$1100.00} DEPT OF ED/ XXXX XXXX {$1700.00} DEPT OF EDXXXX XXXX -- {$1100.00} DEPT OF ED/ XXXX -- {$1700.00} DEPT OF EDXXXX XXXX -- {$2900.00} DEPT OF ED/ XXXX -- {$5500.00} DEPT OF EDXXXX XXXX -- {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a dispute with XXXX XXXX regarding United Consumer, a third party creditor that is reporting incorrect information and also with XXXX XXXX XXXX that is being reported as included in bankruptcy. 



This claim was made in XX/XX/XXXX, since this time United Consumer has been under investigation with XXXX XXXX for over 3 months and then today, XX/XX/XXXX received response that the information is accurate. This is totally false and hindering my credit. I provided a ledgeXXXX from XXXX XXXX Hospital to United Consumer showing I did not owe any money to this 3rd party creditor, ( United Consumer ). This  information is being inaccurately reported.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX