23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in an automobile accident last XXXX and a bill from the accident was paid by my insurance ( or so i was told ) and then 6 months later a collection company reports i owe them {$50.00}. I was never called, never recieved a letter, no communication what so ever and they were allowed to put something on my report on XX/XX/2018 which dropped my score 30+ points and caused me to be denied credit because if them. I still have never recieved anything from them saying i owed then anything. I finally got them on the phone and paid {$50.00} just to resolve it quicker but they improperly ruined my credit for several months and now will have to wait for them ti remove it when i was not even told about it.
Product: Checking or savings account

" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists ''
Product: Credit card

On XXXX the XXXX I purchased merchandise using a Klarna credit card. I returned XXXX items the following day with XXXX separate receipts. I contacted Klarna about the return submitted the information and pictures of the return and I was denied a credit back to my account. They told me they didn't have ay information from XXXX 's pertaining to the return. Even tho I had the proper proof of my return, I did and XXXX XXXX said it's nothing they can do. I submitted another return claim to Klarna and they asked all the same things, I submitted all the paper and information again. This time I spoken to a live operator. And she put it in return information manually. I kept getting a request to send in the return information even after I completed it online and manually with a live operator. Once again I was denied based on not submitting proof of my return. The total amount due back to me is {$100.00}. XXXX. I submitted another claim on XX/XX/year> and it is saying the same thing over again. This also has happened to me on XX/XX/year> with Klarna for a XXXX purchase I made with XXXX XXXX. Klarna never refunded my account back. I am giving Klarna money for something I no longer have in my possession and showing proof of my return. Every time I ask for a supervisor they say they are one.
Product: Credit reporting or other personal consumer reports

I have contacted all three Credit reporting agencies regarding the fact that my personal private information was disclosed on report This letter is per the FCRA as a Federally protected consumer per 15 USC 1681. I am now opting out of any and all authorization I the consumer may have given you in the normal course of doing business that gave any written unwritten verbal and non- verbal consent. Pursuant 15 USC 6802 my right to opt out was never extended to me, as well as potential violations of 15 USC 6803, 15 USC 6804, 15 USC 6805, 15 USC 6508,16 CFR 313.1, CFR 433.1-433.2. The Banking Act of 1937, The Privacy Act of 1974.

The following accounts listed below all have been found to be in violation of Federal law that protects of release of my nonpublic personal information to non-affiliates as a result of my internal investigation as well as numerous inaccuracies of credit file # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all third-party affiliations of the following corporations. 
I hereby demand validation that is competent evidence bearing my signature, showing that I have or had some contractual obligation ratified by me. 
I hereby demand that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account profile updates pending the investigation of any evidence you are instructed to update any detrimental information to paid as agreed. 
Thank you kindly, ______________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : XXXX XXXX XXXX
Product: Student loan

In XX/XX/XXXX I was asked by my ex girlfriend at to time to cosign on her private loan for school through XXXX. At this time I also had a loan through XXXX for school that required a cosigner. Knowing this I told my ex-girlfriend that I would not be able to cosign for her and that she would have to try someone else. I assumed she had found someone else to cosign since she never brought it up to me again. around XX/XX/XXXX I started receiving letters in the mail from XXXX asking for my ex-girlfriends whereabouts. At the same time sallie mae was also sending tons of mail to my residence for her ( her previous residence at the time ). Then I began receiving letters from XXXX saying that as a cosigner to her loan it was my responsibility to make payments. Originally i thought it was some type of mistake and tried contacting my ex-girlfriend. At first she denied it and then started ignoring my calls. XXXX continued calling and sending letters to me so I asked to speak to someone about more information on the allegetly cosigned loan. I requested a copy of the loan agreement so that I could compare the signature but instead I was sent a typed up document with no signature. I asked again several times for a agreement with a signature but continued to get the same typed document. I then filed a claim with sallie mass loan department, completed all the necessary paperwork and waited on the result. I was told that my claim had been denied as fraud because the loan was signed by e-file and there was no actual signature. At the point i questioned the e-filing. I was told that the e-file was followed up with a phone interview. I told the lady from the fraud dept that I never received a phone interview. I then asked what kind of questions were asked in this interview. i was told it was questions similar to : my address, my place of employment, social security number etc. she then asked me to confirm the answers to those questions and then told me that my claim was not fraud because all the information given about my identity was true. ( i.e. my address, place of employment etc ). Outraged by her conclusion I asked " is n't that what identity fraud is? ". Then she asked me about the conversation I had with my ex girlfriend when she asked about the loan. Then she told me that i did n't say " no i 'm not signing it '' so i did n't say no. I do n't understand how saying I 'm not able to sign your loan is any different and it does n't matter what I said, i never gave her permission to cosign me for anything. Having no luck with the fraud dept I gave up on fighting the issue. Some time after that my exgirlfriend called me to apologize for the incident. I asked her to call sallie mea and correct the problem but she never did. I assume since then she has been paying her bill but has stopped so now they are calling me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you? During this COVID-19 i been diligently reviewing my credit and I was shocked when I reviewed my credit report and found late payment on the dates below from XXXX XXXX, XXXX XXXX, XXXX XXXX. 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act the following XXXX Accounts has violated my rights : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ). 15 U.S.C. 1681 section 602 A States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

On XX/XX/XXXX I received a letter from my local tax authority that my taxes were not paid, I contact my mortgage servicer, Cross Country Mortgage, to make them aware of the issue, and it was my understanding that Taxes were to be paid from the $ XXXX I paid in total to close on the home I recently bought, come to find out it was not paid! Seems the pos the taxes for next year vs paying on the current tax. XX/XX/XXXX I called XXXX and sent their department an email to address this manner ASAP! As of today XX/XX/XXXX the last due date for the taxes to be paid even while being promised it would be paid by today, it still hasnt been paid and the customer service team at XXXX is being short and rude on a mistake they caused!!!! The tax authority could as of XX/XX/XXXX start proceedings to put a lien on the home and force a tax sale which XXXX doesnt seem to care about, as they told me they would take care of this but now theyre saying to call back next week when I was suppose to been contacted on XX/XX/XXXX according to an email received by their escalations team. Im a widower raising 5 children by myself and dont need for my kids to lose their home to their negligence, and their slow to act ways, on top of being short and rude over the phone and not giving direct answers to direct questions!
Product: Debt collection

I went to the hospital in XXXX and received 3 different bills as expected. I had paid all the bills and was making payments on 1. I made the payments as required and when it was all done I received a refund of XXXX for over payment. In XXXX this account was filed on my credit report, to which I filed a dispute, proved my payments, and it was removed. This same account is now back on my credit report from a different collection agency. On XX/XX/XXXX I received a phone call from Elevate recoveries LLC saying I owed XXXX, I said that can not be true and I have confirmation numbers of payments. They said confirmation numbers do not help them because it was not their numbers. They can not give me any information that I ask and have no idea who what when or where, they just know I must pay them. I said I would like a copy of everything they had and to send it to my new address. She said she would not do that and that she could send me a statement but with no payments or anything accounted for. Within 15 days they put it on my credit report without sending me anything. I called them was put on hold and no one ever picked up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX FIN XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00} XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance XXXX {$650.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$170.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XXXX {$260.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I tried to login to the Bank of America app to find out that my account was locked. I spoke to multiple representatives on the phone and they all said that my funds would be mailed to me. No one was able to assist me on why my account was locked. I was told that it was a business decision and that my remaining funds in my account will be mailed to me. I need the funds from my account as soon as possible, so I need to be able to go to a branch and have my funds be pulled and brought to me right then and there. This whole process is very frustrating and irritating.
Product: Credit reporting, credit repair services, or other personal consumer reports

PER MY CREDIT REPORT IT IS SHOWING THAT I HAVE BEEN ATTACHED A BANKRUPTCY THAT IS NOT MINE AND NO EVIDENCE HAS BEEN PROVIDED TO ME. ALSO I HAVE REQUESTED INQUIRIES TO BE REMOVED THAT ARE FRAUDULENTLY PLACED ON MY CREDIT REPORT AND NOTHING HAS BEEN DONE. 
I sent a LEGAL Notarized affidavit to EXPERIAN, disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For EXPERIAN, to Provide physical verification of the original signed consumer contract. I demanded from EXPERIAN to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian and XXXX to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$2100.00}
Product: Debt collection

I am XXXX XXXX military, and as such I fall under the protection of the Soldiers and Sailors Civil Relief Act ( SSCRA ). SSCRA states that I will not be charged property taxes on a vehicle I own from another state. There was an issue regarding my tax waiver with the state of Virginia to get it waived for last year 's tax cycle, but I was able to resolve it last month. However Nationwide Credit Corporation in XXXX VA, the debt collector hired to get this tax, is still saying I owe them money. It is in complete violation of federal law, and state/county accepted policies. I have told them multiple times about the law, about how I have saved correspondence with the county saying I do not owe anything, etc. Yet they continue to harass and threaten me that I owe them money ... despite the fact that federal law and the tax collector 's office in XXXX county VA says otherwise. I have saved correspondence between the XXXX, NCC, and myself if you wish to have it.
Product: Debt collection

This is a follow up to my initial complaint about Convergent Outsourcing. I actually spoke with a representative today regarding the account that is in accurately reporting on my current report. Upon speaking with the representative she gave me information on two separate accounts they have in their office - One is from a XXXX XXXX XXXX  address and is from an alleged debt, dating from XXXX and the other is XXXX XXXX XXXX ( XXXX ) The representative stated that they sent a final bill to my home as validation, which in fact is not proof a debt. I explained to her that I was actually a victim of fraud in the past as well and neither of the debts belong to me. On top of it, the statute of limitations for debt collection has run out on the one debt that they are trying to collect ( XXXX ). 

I would appreciate it if these debts are removed from my credit report as a copy of a final bill is not validation and not proof that the debt is mine and that they can collect the debt, along with the fact that the debt is over 9 years old.
Product: Debt collection

I been having a fraud alert on my experian credit report for a while. Due to many fraudulent accounts that been open in my name. Here are the accounts that do not belong to me. XXXX # XXXX, XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX # XXXX, XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, my insurance company XXXX dropped me because it said I got tickets. I did get a speeding ticket in XXXX but did not understand how I would be dropped for that. I moved to XXXX and reported the ticket and my Insurance was cheaper. Then they pulled my CLUE report and FL DMV report and my insurance went up due to a combined accident and speeding ticket in South Carolina. I was never in an accident, so I requested my Clue report and dmv report. It showed a speeding ticket causing an accident and a {$1000.00} insurance claim. I informed clue this was not me. I contacted the SC DMV, they verified it was a mistake and removed it from my record. They sent me a letter saying ut was removed from my record. I sent the letter the FL DMV and they pulled my record, it was removed so they took it off my record. I contacted XXXX, offered to send them the letter, they said they would investigate and get back to me around 30 days. I have never heard from them again other than the request for my record. My 6 month policy has run its course I go to renew thinking this would be gone XXXX  is still showing that I have this {$1000.00} claim on my insurance. My insurance went up another {$500.00} for the next 6 month period. XXXX  is ruining my driving record and costing me a lot of money based on incorrect information. And is sharing it with all insurance companies
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report, I noticed three hard inquiries I did not authorize. Under the FCRA Section 604, a credit inquiry can only be made with the consumer 's explicit consent. I did not provide such consent for the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These unauthorized inquiries are negatively impacting my credit score and are a violation of my consumer rights. I would like to ask that these inquiries be removed from my credit report immediately. 

Please consider this letter as a formal notice that you have 10 days from receipt of this letter to remove these unauthorized inquiries. Failure to comply with this request will leave me with no choice but to pursue all available legal remedies to resolve this matter, including filing a formal complaint with the FTC and possibly pursuing legal action.
Product: Debt collection

this account it sold already to 3 different collection company and all 3 with different amount. this account it delete from my cretid report and still come back months laters. i contact XXXX XXXX in XXXX XXXX and is not show anything from me this collection affect my cretid when i am not responsible for any amount i want to this get out of my cretid ASAP please
Product: Mortgage

My mortgage has been in forbearance since XXXX of XXXX due to Covid and losing my job. 

I have done some research and have become aware of Regulatory Requirements that have been violated. 

On XX/XX/XXXX I received a letter from the bank ( Wells Fargo ) to call them due to the forbearance coming to an end in XXXX. So on XX/XX/XXXX I called the bank and spoke to a woman who went through options with me and gave me new guidelines and told me that I was approved for a Modification and told me what my new mortgage payment would be and what my new interest rate would be, she told me that I would be getting some paper work in the mail within 2 weeks and that they needed to be signed, notarized and returned to the bank ASAP. These items never arrived on XX/XX/XXXX I called the bank there were no answers for me ... I continued to call 2 x a week until my complaint was escalated to a home preservation manager named XXXX she informed me that somehow along the process that someone dropped the ball and never followed up and that my Title was never sent out to check to make sure I had a clear title and that she was going to handle this matter, she was very good at keeping in touch with me for about 3 days and then nothing again it has now been 3 weeks and once again I have heard nothing, XXXX stated that the title search should be within a week and that I would hear from the bank but NOTHING!! I have now called the Mortgage dept. numerous times, left many messages, been hung up on, disconnected from calls ... ..I am completely feed up and afraid that my mortgage will fall into foreclosure, this is not how a Bank should handle these kinds of matters.
Product: Payday loan, title loan, or personal loan

On XX/XX/ 2019 I placed an online order for a TV from Conn 's  website, www.conns.com, after paying 20 % upfront, as well as a required flat rate delivery fee of {$79.00}. XX/XX/XXXX, I received the tv via delivery. On XX/XX/XXXX, I contacted Conn 's via telephone call, and informed them of my intent to exchange the TV for a bigger size. According to written policy, any item purchased online and delivered, was eligible to also be picked up for free. However after a week of trying and failing to secure a pick up date, I finally took the television into a brick and mortar store location, and personally handed the TV to store Management. We discussed my situation and agreed to exchange the set for a bigger one. I paid in cash an additional fee, and was told the TV right be delivered to my house the very next day. Day 1, passed. Nothing. Day 2 to Day 3, day 4 fast forward ALMOST TWO MONTHS and still no TV. I have decided to accept the obvious, that I will not be able to complete this transaction successfully and so, do hereby cancel same. As such, I respectfully request the following actions : 1 ) a proper refund of my monies : down payment {$110.00} delivery fee {$79.00} and upcharge fee {$26.00} for a total of {$210.00} ; and 2 ) the voiding of any sales/order or installment contract associated with this transaction ; And 3 ) I respectfully request these actions be taken immediately and without further delay. 

Despite never receiving the merchandise, I am now being harassed by Conn 's collections, and having to correct the records on my credit report. 

I placed this order in good faith, the same good faith with which I have supplied Conn 's with almost {$220.00}. and in response to this good faith, Conn 's actions or lack of them has proven problematic at best, potentially litigious at worst.
Product: Credit card

My XXXX year-old son is receiving several pre-qualified Capital One Credit Cards ( XXXX so far ) by mail ... I spoke with XXXX at XXXX about this situation and he stated he is unable to put a red flag or an alert that his SS # is for a minor child. I want someone to help me protect my child SS # by red flagging everything that comes up his information!!!!! 
Sincerely XXXX XXXX VERY concerned mother of minor child!!!!!!!
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There is a charged-off account that is listed on my credit report this account is in error and is showing a balance. XXXX Terms Duration Closed Charge Off Closed Should not be a monthly payment. Please delete the inaccurate account. 
XXXX Account Status : Charged-off and written-off dates are inconsistent errors please delete them.