23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Disputed Debt that is paid in full and has been for over 13 years. I paid in full in XX/XX/XXXX the amount due of {$58000.00} which is noted and reflected in the US Department of Educations own financial records which I have copies of. Since then they have stolen my federal Tax returned declaring right of offset to the sum of over {$9800.00}, and yet ConServe continues to threaten Wage Garnishment which has been tried over 5 times in the past 13 years never once being successful because NO DEBT IS OWED. Account Number : XXXX ; Debt Number : XXXX, XXXX. Under the rights of the Fair Debt Collection act I am disputing the debt as it does not appear on any of my Credit Burrow files from XXXX, XXXX, or XXXX. I currently hold a XXXX XXXX XXXX, and my current mortgage on my home is an FHA  backed mortgage. The only company who seems to believe I owe this money is ConServe and I am demanding that they cease all collection efforts and stop harassing me. I was called on XX/XX/XXXX at XXXX and the lady on the phone who would not give me her name marked the collection as disputed. On XX/XX/XXXX my lawyers at XXXX XXXX XXXX responded to a letter post marked XX/XX/XXXX. Under the Fair Debt Collection Practices Act where ConServe & the US Department of Education finally produced a forged part of what appears to be a fictitious promissory note that clearly says pages 1 of 3, but pages 2 of 3, 3 of 3 were not provided. There is no indication in the copy they provided, of the terms of repayment, the amount borrowed, and many other significant terms of valid loan agreement. I have requested numerous time for an accounting of the payments, I have made on these loans - both to the department of education and the various loan servicing companies- and no account has ever been provided. I have paid these loans in full 14 years ago this XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # 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 a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Payment was made with the original creditor XXXX XXXX months ago. I have contacted XXXX XXXX & they have said that this company shouldnt be charging me. This debt has already caused me harm, by lowering a credit card credit limit & has caused me to be denied for several loans. I seek damages for my losses
Product: Debt collection

I have filed a complaint previously, this company has yet to send me any documents regarding this collection so I can dispute it properly. It has been months now and I would like them to remove this debt from my report as it is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS REPORTING AN ACCOUNT PROVIDED TO THEM BY XXXX & XXXX XXXX, THIS COMPANY HAS NEVER SENT OUT A COLLECTION NOTICE AS REQUIRED BY 15 U.S. Code 1692g - Validation of debts AND GIVING ME THE CHANCE TO DISPUTE THIS ACCOUNT, AND EQUIFAX HAS NOT MAINTAIN A COPY OF ANY SIGNED CONTRACT OR AGREEMENT THAT VALIDATES THIS ACCOUNT PRIOR TO BEING REPORTED TO MY CREDIT REPORT According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account
Product: Credit card or prepaid card

I received a promotional offer for m Citi Aadvantage pro gram that incudes  XXXX  promotional miles. I called to confirm that I will receive the miles and was told yes.   Then, 3 month later, when I met the requirements of the promotional offer, I was told I will not receive the miles.
Product: Debt collection

To Whom It Concern, I recently received a copy of my credit report ( XXXX/XXXX/XXXX ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( XXXX XXXX XXXX Sec. XXXX XXXX b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thanking you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Comenity bank XXXX XXXXXXXX An account was opened in XX/XX/XXXX and it was not authorized by me and it is currently closed.I have been trying to get the situation resolved since then and last payment was XX/XX/XXXX and the amount past due is XXXX the address is XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexystems is reporting an account and they refuse to fix this. The account is XXXX XXXX They claim it was " verified ''. The bank will not show me the documents bearing my signature for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I only should have one open account still from student loans. they were deferred and then consolidated. On this report, they show delinquent and negative/ derogatory.
Product: Student loan

I have an on-going complaint being resolved with XXXX XXXX  XXXX  for defaulted my loan without any cause. However, now that it is in the transition phase of being resolved, I am having issues dealing with the loan servicer XXXXXXXX XXXX uses for their loans, FirstMark. I have tried to reach out and get them to reinstate my deferment, since it was wrongly taken away with no reason. My payment was due yesterday and now they have marked it as late and charged me for something that was never in my control.I have also reached out to XXXX XXXX hoping they could mediate, since it was there mistake in the first place. They have not responded to me. I should not be penalized for two collaborating companies and their lack of communication and documentation on the problems they created in the first place.
Product: Credit card

I have a Capital One credit card which was charged multiple times for XX/XX/year> through XX/XX/year>. I noticed at least 13 charges on my account. I contacted XXXX, and XXXX the rep confirmed that the account was not under my name. They filed a dispute on my behalf and assured me that they would be refund all charges. The case number for the dispute is XXXX. However, Capital one is still holding me responsible for these charges. I kindly request that these charges be removed from my statement and the matter be resolved. 
Thank you for your assistance in this matter.
Product: Mortgage

Contacted XXXX  customer service to request a partial release of the collateral on my loan. ( There are 2 lots/parcels on the same loan, selling one ) XX/XX/XXXX - received partial release forms XX/XX/XXXX - returned partial release forms. As XX/XX/XXXX, there has been no response. 
XX/XX/XXXX - called customer service, they had no visibility into the partial release department but asked me to be patient and wait. 
[ insert XXXXXXXX XXXX XXXX XXXX ] XX/XX/XXXX - unable to log in to website account or connect to a phone customer service agent. Automated system hangs up on me and the website gives a generic 'ca n't log in " error. There is no pathway to communicate this to anyone at the company. 
XX/XX/XXXX - Still no response and now no way to communicate with the company. Their failure to service my request in a timely fashion could have negative financial consequences for me, and I am growing increasingly anxious and frustrated there is no way to get a response from my lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sequim credit collection still on my report yet is showing a balance. I attached the paid in full statement from my account
Product: Credit reporting or other personal consumer reports

Subject : Discrepancies on My Credit Report I hope this message finds you well. 

I am writing to bring to your attention multiple discrepancies I discovered on my credit report. I was recently rejected for credit approvals, which raised concerns regarding inaccurate information that does not pertain to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX misused my personal information to acquire phones and other items in my name. Despite my efforts to rectify this by filing documents for removal of these accounts and requesting verification through wet signatures, they have not complied. 

These incorrect accounts need to be removed as they are hindering my ability to live my life without undue interference. 

Thank you for your attention to this matter. 

XXXX LVNV FUNDING 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 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 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: Debt collection

I don't NOT know anything of this collection, I have not been treated at any hospital in the past few years. I have no connection with this collection
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I have been a victim of identity theft and found fraudulent account and inquires in my credit report ( XXXXXXXX XXXX Date opened XXXX ) ( XXXX date XXXX XXXXXXXX XXXX XXXX XX/XX/year> ) Please remove this fraudulent account and inquiers from my credit report. Thank You
Product: Money transfer, virtual currency, or money service

My identity was stolen. I'm not sure what they are doing but I believe they have opened bank accounts and gotten loans according to my XXXX XXXX. My name is XXXX XXXX. My social security is XXXX. XXXX is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have encountered lots of theft of my belongings during the last 4 years. I have had to get at least 10 identification cards in the last 4 years. I'm not sure what all they have managed to do but I also believe they got unemployment under my name under pandemic and also took out loans with world finance and opened phone service accounts. And a credit card. I'm not sure what else but that's what it looks like as of now on my credit report. And may have also filed taxes under my name. 'm not in the same city I was before and can not report this to the local police until XXXX when I leave the facility I am at. I am currently at XXXX XXXX XXXX XXXX  nm XXXX. Please get back to me via email on what we can do to fix this and get more of an idea as to what has been done.
Product: Credit card

Received a nice American express Gift card from my employer for my XXXX XXXX anniversary. 
They know we like to travel so it was interned to be used for our next vacation. 

I have tried to use it at XXXX when that didn't work I tried to get an XXXX  gift card from them. 
I also tried XXXX, XXXX and it doesn't work. 

I have checked it's activated and I have tried to make purchases less then the available balance. Again the only solution from American express is to try to use it somewhere else instead of where I want to use it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sunbit is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Account # XXXX XXXX & XXXX Payments marked as 30 days late. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiry that I DID NOT AUTHORIZE nor gave consent for BelkXXXX to do. Validate that inquiry with proof.
Product: Debt collection

XXXX XXXX company is attempting to collect on a debt that is past the statute of limitations in my state of Louisiana and they refuse to validate the debt, refuse to stop calling at inappropriate times and refuse to remove this damaging remark from my credit reports. I've written several letters asking for their license to collect in Louisiana and they never respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th request that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXXBalance : {$1900.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$2900.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$3800.00}, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$960.00}, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit reporting Act. The listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account XXXX XXXX XXXX XXXX, Dept of Education XXXX, Dept of education XXXX, XXXX XXXX  XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year>, and notice some things incomplete and are not accurate .And according to the fair credit reporting act whenever a consumer reporting agency prepare a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about report relates according to 15usc 1681 ( e ) ( b ). 
And according to 15 usc 1681 i 5 they are supposed to do ( 5 ) treatment of inaccuracy or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed
Product: Money transfer, virtual currency, or money service

CAPITAL ONE WAS INCONCLUSIVE AND EVASIVE OR NON-RESPONSIVE ON HOW I SHOULD CALCULATE THE TIME I SPENT TRYING TO RESOLVE THE LOSS OF {$11000.00} IN A WIRE FRAUD SCAM THAT TOOK PLACE XX/XX/XXXX. WHEN I FOUND OUT ABOUT THE SCAM XX/XX/XXXX, I CALLED CAP ONE TO ASK IF MY ID WAS STOLEN AND WAS TOLD BY A XXXX THAT IT WAS NOT. SO I CONTINUED TRYING TO FIND MY MONEY, HOW DID THE THEFT OCCUR, WHO WAS RESPONSIBLE. I WAS IN THE STATE OF NC PURCHASING A HOME. THE CONSUMER PROTECTION COMMISSIONER RESPONDED THAT MY MONEY WAS LOST THRU AN EMAIL SCAM. CAPITAL ONE HAD MY EMAIL ADDRESS ON FILE AS WELL AS MY PHONE NUMBER. I HAVE XXXX SUPPORTING DOCUMENTS TO SUBMIT, CAP ONE WANTS TO REIMBURSE ME ONLY {$700.00}. THEIR XXXX 'S HAVE NO ANSWERS TO MY QUESTION OF HOW DID CAP ONE COME UP WITH THAT REDICULOUS NUMBER. I have over XXXX of documents, XXXX folders & over XXXX files I created in 3 years trying to find my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX has the right to privacy and I have not given anyone written consent to report the following accounts. 

1 XXXX XXXX XXXX 2 US Dept. of EDXXXX XXXX 3XXXX XXXX  and XXXX XXXXXXXX 4 XXXX XXXX XXXX XXXX
Product: Student loan

My goal was to understand and open my replacement options. My XX/XX/XXXX application was rejected because of the temporary suspension on student loan payments, reason stated was that my new payment would be more than {$0.00}. 

My XX/XX/XXXX application is pending a response and they have placed my account in administrative forbearance through XX/XX/XXXX, which I did not request. I am a public school teacher and am currently working toward XXXX consecutive payments to qualify for the XXXX program. Information indicates that any payments I make in this new forbearance window will not count toward my PSLF payments and that my balance will accrue interest during this time. 

I tried to get this information early. When I was rejected, I planned to follow the timeline in Mohela 's correspondence. I used their correspondence timeline to create my request. I did but receive any correspondence after filing my XX/XX/XXXX online application for 19 days. 

Without Mohela bring able to process my request in a timely way, they are extending the cost of paying off my loans.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Acccounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Product: Money transfer, virtual currency, or money service

I had a rent check made out to my company. I never got it. It seems it was stolen en route. 
The tenant showed me that the check was endorsed, deposited, and debited from his account. 
Obviously, it was a fraud, that someone deposited into his account. 
The bank wrongfully paid this check even though it was made out to a different business name. 
My first place to go was the bank that paid this check. ( JP Morgan Chase, they are the check writers bank. ) However, I can not get anywhere with them. They committed an error by paying this check and they don't want to cooperate with me. I am getting a run-around. 

All they answer me is : it's under investigation. 
Mind you, it is over two months now. 
They can trace this thing in a minute if they wanted. 

I am attaching photos of the paid check with the fraudulent endorsement.