23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Subject : Request for Original Promissory Note or Removal of Accounts from Consumer Report This letter is a formal request regarding the student loan debt ( s ) that you have reported on my consumer credit report. Please be advised that this is NOT a refusal to pay but a request sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). I am disputing the validity of the alleged debt ( s ), and I am requesting proper validation.

This is NOT a request for mere verification of my mailing address or other peripheral information, but a formal demand for competent evidence that establishes my legal obligation to pay this debt and the right of your office to report it to consumer reporting agencies. 
Specifically, I request the following : Account Information : Account Name : EDFINANCIAL Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Proof of Debt : I respectfully demand that you provide a copy of the original wet-ink promissory note or other documents that serve as the foundation of the alleged debt ( XXXX ) you claim I owe. The absence of such documentation violates my rights under the FCRA, FDCPA, and any applicable state laws. You must provide evidence proving your legal authority to report this debt. 
Failure to Provide Proof : Should you be unable to furnish the original promissory note or other valid documentation within 30 days from receipt of this letter, I request that you immediately cease reporting this account to any and all consumer credit reporting agencies and remove it from my credit file. The continued reporting of unsubstantiated debts is a violation of the FCRA and may also constitute fraud. If no response is received within the XXXX window, I will pursue all available legal actions to ensure compliance. 
Correction of Consumer Report : If your office decides to remove the accounts from my report, I request written confirmation of this removal, along with written verification from the credit bureaus that the accounts have been deleted. 
Further, this letter serves as a Formal Notice under the Family Educational Rights and Privacy Act ( FERPA ) : The unauthorized disclosure of my student loan-related information to consumer reporting agencies without my written consent may also be a violation of FERPA. I have not provided consent for such disclosure. Therefore, I demand immediate cessation of reporting and removal of all student loan-related accounts from my consumer report.
Product: Credit reporting or other personal consumer reports

This should not be on my credit! I did not apply for any type of loan. My information was stolen.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment XX/XX/2019 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 that on the month that you marked me late on my credit report.
Product: Debt collection

Collections agency Diversified Consultants , Inc. continues to pursue me for a debt of {$100.00}, including collections fees, on behalf of creditor XXXX XXXX for cellular telephone service. 

I have repeatedly notified Diversified Consultants, Inc. and XXXX XXXX that this debt is not valid. 

No cellular telephone service was provided and no mobile/cellular device was connected to the cellular exchange provisioned by XXXX XXXX during the period for which XXXX is attempting to bill/collect. 

Furthermore, I was not in any type of long term contract with XXXX XXXX that would have obligated me to pay even if no service was provided or to pay an early termination fee. 

The attached bill from XXXX XXXX clearly demonstrates that no service was provided. 

In 2015, I lost my cellular telephone and reported this immediately to XXXX XXXX. No other party ever used the lost telephone. 

XXXX XXXX refused to provide me with another cellular telephone unless I paid an an exorbitant amount up front and then proceeded lock me out of my cellular telephone account with an erroneous " fraud alert. '' When I complained to XXXX XXXX Executive Relations about this matter, XXXX XXXX proceeded to " suspend '' my account on XX/XX/2015 and then reactivate my account on XX/XX/2015. 

XXXX XXXX is attempting to collect on a bill for a service that was never provided. My repeated complaints to XXXX XXXX Executive Relations have not resulted in XXXX XXXX making any good faith effort to resolve this matter. 

Negative comments regarding this debt have been made to consumer reporting agencies. These negative comments appear on my reports with XXXX, XXXX, XXXX and the XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account was removed from my credit report from Enhanced Recovery Company. My credit score only increase by 5 points. My credit score should have increased by at least 23 points.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I deposited a IRS Treasury check of XXXX to the bank instead of it being available next day or the next week it put my account on froze and locked no funds can be deposited or withdrawn it is XX/XX/year> XXXX weeks later since I deposited my check the treasury cleared the check but citizens bank still wont release my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX , Experian and  XXXX   XXXX  are ignoring my numerous requests to investigate and remove accounts from my credit reports that do not belong to me.
Product: Credit card or prepaid card

Ive had several issues with fraudulent transactions tied to my Apple Card. Additionally, the vendors provided information to Goldman Sachs and/or Apple. Goldman Sachs has failed to conduct any sort of investigation. Furthermore, I have submitted XXXX reports and complaints to the Arizona Attorney General. Finally, my credit limit was recently reduced abruptly by XXXX third - without releasing the credits for payments made. I hade over {$5000.00} in credit tied to this card - after recent payments.
Product: Checking or savings account

I am currently in XXXX and can not access my social security direct deposit because Laurel Road bank is unable to send verification text to my phone. The bank will not send a verification email instead so that I can be verified. As a result I am XXXX  XXXX and unable to access my funds to pay bills although prior to leaving the country I did add external account for transfers for this exact purpose. I asked for supervisors to override as I was able to answer all questions to verify it was my account and they still refused to help saying their hands were tied. The supervisor was in a meeting and I was told to wait over an hour on hold.
Product: Checking or savings account

The company was supposed to pay a redress in the form of a refund. Insteas of mailingnme mt XXXX dollars, they put it towards a " balance '' I owed to them from an overdraft service in which the settlement was about. So they basically used the money to pay themselves.
Product: Credit card

On XX/XX/year> I used my Capital One card to make a purchase on XXXX  website in the amount of {$94.00}. It was scheduled for same day delivery. However, the delivery was made to the wrong address and the items were never received. I contacted XXXX  who told me I needed to file a chargeback with my credit card company which I did. Since then the dispute has been denied several times. I have supplied supporting evidence that this merchandise was never received but Capital One refuses to reverse the charge.
Product: Credit reporting or other personal consumer reports

This is reporting differently across all bureaus, showing inaccuracies. United Consumer is not my debt this belongs to XXXX XXXX.They have sold this debt but also charged it off. I keep getting calls from people I dont know who are legit. They would not take the XXXX XXXX back and put it on my credit but not his credit when he is the one who got the vacuum
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received written correspondence from XXXX that their company have purchased an account that's allegedly associated with my name. The date on the receipt of the letter is marked XX/XX/XXXX. According to the FDCPA I have 30 days to dispute the validity of the debt. I recently checked my credit report and noticed that this account is currently being published on it without proper validation. I also noticed that the alleged amount owed in the letter is different than what's on my credit report. This unverified and inaccurate account is drastically affecting my credit worthiness and stopping me from receiving funding during this pandemic.
Product: Vehicle loan or lease

CAR AWARDED TO XXXX  DURING XXXX  AND XXXX XXXX  TO GM FINANCIAL AND NOW ON MY CREDIT REPORT AS MY DEBT
Product: Mortgage

The company is Ocwen Loan Servicing, LLC and the current mortgage was in the name of my parents. The real property is a declared disaster home from XX/XX/XXXX flood. In light of the flood, I was court appointed Power of Attorney over my parents and their damaged property. Unfortunately, my father XXXX XXXX unexpectedly XX/XX/XXXX and my parents had been temporarily housed in a FEMA mobile home unit until repairs were completed ; my mother continues to occupy the mobile home. Ocwen was notified of my father 's XXXX almost immediately and was provided the original XXXX XXXX. I retained legal counsel due to the absence of a will and testament. My attorney began the proceedings for a Small Succession to support and ensure proper transfer of ownership surrounding the damaged property. My father was a XXXX  XXXX veteran from the XXXX branch and was XXXX XXXX XXXX in the XXXX XXXX reserved for our XXXX XXXX. There is a flood insurance claim which was filed and those funds have been forwarded to Ocwen but can not be liquidated for repairs because the name of the account was changed to reflect an estate of my XXXX  father. According to U.S. Federal Civil Law, the Affidavit of Small Succession dissolved such estate when my mother, as surviving spouse and myself, decedent 's only heir were duly sworn and deposed by an officer of the court. This affidavit has been filed and recorded as of XX/XX/XXXX. Ocwen continues to argue their company policy for Assumption is the only avenue to secure full ownership of the property. The affidavit clearly states entitlement to my mother as Usufruct and my entitlement as Naked Ownership in the jurisdiction of the state of Louisiana. The LA Code of Civil Procedure Article 3434 is outlined and defined within the affidavit for reason of any confusion to those whom may not be familiar with community property states and transfers of ownership. Ocwen was contacted officially with request of escalation on XX/XX/XXXX and supporting documentation was submitted XX/XX/XXXX. Ocwen denied my first request to change the name of the account and adhere to the federal affidavit. The request is now with an escalation resolution team who still does not have a resolve for my request and now we exceed 60 days. As I continue to reach out to Ocwen daily, I meet constant failure to adhere to the filed and recorded affidavit and am told repeatedly that the transfer of ownership can only be achieved through the Assumption process. Please note this account is current and is in no way associated with delinquency, foreclosure, or deed in lieu. I have been accountable and responsible for the payment history for the past 6 months which demonstrates a prudent and determined behavior to remain in good standing until the payoff of this mortgage loan. The delay from Ocwen to adhere to the Civil proceedings not only is unfair treatment but prolongs the repair and restoration of the disaster declared property. I am seeking assistance from the highest rank of Government for consumers whom continue to be railroad by mortgage companies like Ocwen.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received an email alert that someone was trying to open a XXXX XXXX credit card in my name. I never took out an application for this card. I contacted Experian and declared fraud and to freeze my credit and accounts. I also decided to add an upgraded fraud services for an additional fee. I then get another email from Experian on XX/XX/XXXX that my account has been compromised again and someone has been trying to hack into my file. I was on the phone with Experian for a total of XXXX hours on the XXXX so stop anyone from accessing my account or my credit. 

During my conversation with them they said " all of the information we have for you is incorrect and someone has been trying to steal you personal information and they would freeze my account. 

At that point, I filed a Identity Theft report through the XXXX XXXX XXXX website. 

On XX/XX/XXXX I received an email from Experian stating that I now have a case number and my situation is now being escalated to their fraud team. 
In that email they asked me to provide documentation to them to prove my identity and to upload information to them per their request. 

On XX/XX/XXXX I uploaded my Driver 's License, Utility Bill, XXXX Social Security XXXX a copy of the Identity Theft report through the XXXX XXXX XXXX website and told them to get back to me as soon as possible. 

Since XX/XX/XXXX, I have called at least XXXX times for someone to get back to me or to talk to. On XX/XX/XXXX I was able to reach someone after XXXX hours on the phone at Experian and they gave me another XXXX # and I was told " someone will be in touch with you within XXXX days ''. 

As of today, I have not had any communication with Experian. 

They are the worst company I have ever dealt with in my XXXX years being on this planet. 

My credit and my Identity are extremely important to me and I I need to get this situation fixed in there company. 

If I could sue them I would.
Product: Debt collection

I have an open debt collection showing on my credit reports that is not mines. I did not authorize this account on my behalf or anyone else 's. I wish to dispute this matter immediately due to the inaccuracy of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX FIN XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  COMPANY ) XXXX Balance : {$870.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXXXXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/2021, I paid the mortgage as usual. They had changed the payment amount due to escrow issues and it was {$140.00} less than what supposed to be paid. I kept paying the mortgage all these months in the correct amount but got more behind because they kept accessing fees I was unaware of. No one ever called and did not get emails stated the mortgage was delinquent. I'm getting more behind because fees every month which I think is unfair due to XXXX payment that was shy {$140.00}. The XXXX late fees are usery.
Product: Student loan

I submitted my PSLF form to be reviewed on XX/XX/year> ; the website states that a response can typically be expected within XXXX weeks. It has now been XXXX weeks ( on top of already having the processed paused by FSA in XXXX with little information ). I contacted FSA on XX/XX/year> to get a timeframe on the processing, and I was given no information other than I will be notified when it is processed. 

I reached XXXX ( of XXXX ) certified qualifying payments in XX/XX/year>, and thus expected my last payment towards the qualifying payments to be in XX/XX/year>. I have made each payment since XX/XX/year> - the last one being XX/XX/year> - as required. 

At this point, I have paid what I believe to be 4 months worth of qualifying payments beyond the XXXX so I am eager to have the PSLF forms processed. It is frustrating as I expected to have my student loans dismissed after the XXXX payment was processed as qualified, but then the processing was put on hold from XXXX - XXXX, and now I am waiting without any sort of timeline for when my forms and thus PSLF will be processed. The processing is hugely consequential for my finances and career choices, and I am unable to get any information about it despite my efforts.
Product: Debt collection

I was informed of dept collection attempt by phone on several occasions for months. I do not recognize the personal loan.
Product: Debt collection

I received a notification from XXXX XXXX in mid XXXX 2019 stating that an alleged account in my name had been turned over to LVNV Funding LLC as of XXXX 2019. 

I never received notification from LVNV Funding LLC or XXXX XXXX prior to initiating a dispute with them that this was the case so LVNV Funding was put on my credit reports with all 3 credit bureaus prior to me having the chance to dispute it. 

Second, I sent a letter to LVNV Funding on XXXX/2019 requesting that they provide me with the following information : COMPLETE PAYMENT HISTORY, THE REQUIREMENT OF WHICH HAS BEEN ESTABLISHED VIA XXXX XXXX XXXX 745 N.E.2D 862 ; 2001 IND. APP. LEXIS 509 AND AGREEMENT THAT BEARS THE SIGNATURE OF THE ALLEGED DEBTOR WHEREIN SHE AGREED TO PAY THE ORIGINAL CREDITOR. 

LETTER OF SALE OR ASSIGNMENT FROM THE ORIGINAL CREDITOR TO YOUR COMPANY. ( AGREEMENT WITH YOUR CLIENT THAT GRANTS YOU THE AUTHORITY TO COLLECT ON THIS ALLEGED DEBT. ) INTIMATE KNOWLEDGE OF THE CREATION OF THE DEBT BY YOU, THE COLLECTION AGENCY. 

I just received a letter from LVNV Funding staying that my account was validated along with one statement from XXXX XXXX. 

That is not what I requested. I have attached a copy of the letter I sent for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this request in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intent to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. The following items are listed below that need attention : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/
Product: Checking or savings account

On XX/XX/XXXX I went into Wells Fargo to withdrawl a roll of quarters from my checking account. The transaction finished and I left. Later that night I noticed {$900.00} was taken from my Savings account. I called and filed a claim and was told it would take 7-10 days to receive my funds. A week later I was told my claim was inaccurate and had to file another. Then saying the branch should have given me my money back themselves. It has now been 16 days amd nothing has been resolved and my second claim has been closed. I have yet to receive my {$900.00} back.
Product: Debt collection

I was notified via letter ( Credit Collection Services ), on XX/XX/21 about an account that was opened in my name for XXXX XXXX XXXX in the amount of {$440.00}. I informed them that i never ever had a XXXX or XXXX account. They suggested I contact XXXX, which I have done. CCS since then have reported this bogus account in my name to the credit bureaus. I am now in the process of filing a fraud/theft claim with XXXX.
Product: Mortgage

Our loan was transferred to Specialize Loan Service from XXXX XXXX on XXXX/XXXX/203. We had made several large payments to the principle prior to the transfer. Our statement close on XXXX/XXXX/XXXX  reflected the payments. We did not receive a statement close in XXXX and I called and they could not tell me why. They had also reversed a {$22000.00} payment we sent and said it was not ours and it was misapplied. We were told we had to send them proof. We did. There is still no resolve and they have not fixed the issue an want to bill us interest to pay on the {$22000.00} they say we owe. The service department told us today that yes the have to payment info but nothing has been done. It is has been almost XXXX months. We still have not received a statement from XXXX. We are still being billed the interest and finance charges on the XXXX which is over {$600.00}. We are at a loss on what can be done. I have emailed the CFO of the company as well. I believe they are dragging their feet for profit.