23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a victim of illegal collection practices from Pioneer Credit Recovery. This agency is garnishing my wages without ever trying to attempt to talk it with me. This agency went straight to my employer with false letters to demands that payments be made to them from my paycheck. I had previously submitted 2 complains in regards to this issue and today I am submitting another to report a scam as this agency refuses to speak with me about this debt and will not provide statement about payments towards the balance. The Department of education has not sent me any notification indicating that payment are being received and against the debt. Pioneer Credit Recovery is garnishing my wages without a court order. I have informed them to stop collecting in this way since they have never worked with me and they said that they will not stop the garnishment. This is in violation for the Fair debt Collection Practices Act ( FDCPA ).

As of this complaint, my employer has given Pioneer Credit Recovery {$6600.00}.
Product: Debt collection

On XX/XX/2023, I mailed Online Information Services a certified letter ( USPS Tracking number : XXXX XXXX XXXX XXXX XXXX XXXX, which they received on XX/XX/2023. Despite sending a certified letter, they have not responded or provided the requested validation. On XX/XX/2023, I mailed them another certified letter ( USPS Tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ) ; which they also received on XX/XX/2023 asking for the immediate closure of the disputed collection account and the cessation of its reporting to the credit bureaus within 15 days since they failed to address it within the first 30 days.. They proceeded to update the account with the credit reporting agencies YET they still did not acknowledge my letter sent to them.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX
Product: Student loan

I applied for an XXXX plan through MOHELA in order to start accruing my payments towards my PSFL forgiveness for teaching in a title XXXX school. Longer than 60 days has passed since I filed for the plan. 

On XX/XX/year> I received a document from MOHELA stating that my loans were being put into forbearance due to my XXXX  application not being processed within 60 days. The document stated " While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance ''. 

A month later on XX/XX/year> I received another document from MOHELA stating " In an effort to keep you updated on your federal loan ( s ), including the accrued interest, interest rate, and total balance. The loan ( s ) listed in this letter are currently in forbearance. Although no payments are due at this time, interest continues to accrue on your loan ( s ) during the forbearance period. You have to option to pay the interest during forbearance. '' I checked my balances on all my loans that are in forbearance and they all have risen due to interest from the last month. This interest should not be there as it should be set to 0 % as stated in the first document MOHELA sent me.
Product: Money transfer, virtual currency, or money service

Venmo user over here : I got scammed by a lady tried to sell me a fake watch, I felt for the deceiving pictures and send her the money within 10 minutes I found something fishy and I told the lady I wanted a refund, in that time spam the lady pull the money out of the account instantly and she refused the refund. Got scammed, I paid with XXXX XXXX and obviously they refund me. 

Now, Venmo refuses to acknowledge the situation and says to file for a police report when they authorized the scammer to pull the money right away. 

I am afraid to being send to collections due to their inability of pursuing scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian a credit reporting company has said a medical bill is allowed to be placed on there credit report if the medical company sells the debt to a collection agent. 
Is this legal? A medical debt does not change! if this is a loop-hole in the legal language written in ( The Fair Credit Act ) it needs to be corrected., But if a debt has been sold why would the medical company who invoiced me take my money? they no longer have any right to it because they sold it. I have a receipt showing I paid it with the medical company and a conformation number. That would be a quid pro quo of some sort.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX has violated my rights.XXXX XXXX Account # XXXXXX**************, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I have had my account with Wells Fargo since 2016 Ive never had an issue. For the last 6 months fraudulent transactions have been happening on my account. I called in to dispute the transactions and they issued me an provisos credit on day XXXX of the claim Being processed. I assumed the claim was handled by the bank as they issued me the XXXX $ to my account. I used the money as it was given to me from the bank. I checked my mail box on the XXXX and it states XXXX  days from the letter my money was going to be taken from my account .I didnt give anyone permission to take this money as its my XXXX brothers direct deposit. I called the bank to reopen this claim or try and speak to a supervisor in regards to this because they said it was done by me or I gave permission to someone to have this money being taken because a pin was used. They basically said the claim is closed there is nothing they can do and they money will be taken regardless. This is frustrating and so horrible coming from a bank I have be loyal to for 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward to a quick correction of the following items. Thank you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am requesting the following information get deleted off my credit report.The items I need deleted are listed on the word document attached.

I am a victim of identity theft and did not open said accounts listed on the word document provided. I ask that all items ( fraudulent accounts and inquiries ) be deleted off my credit report.

I already reported the theft of my identity to the Federal Trade Commission.

I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Please note that I am submitting this request on behalf of myself. No third party is involved Thanks in advance for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, This company Portfolio Recovery continues to report to all XXXX credit bureaus that they state that I owe. I have sent several certified letters to this company asking that they remove this collection from all 3 of my credit reports immediately. They continue to refuse to do so. They sent me a letter stating that they verified these debts aa being accurate and that I know is not correct. I have asked Portfolio Recovery to send me validation of these debts bearing my signature and they have not provided that. instead they sent my a computer generated report of some charges that were allegedly made by me, this is not correct and I want these collections removed immediately. Please note As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I have formally requested a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I have made several goodwill attempt to have you clear up this matter. The listed items is inaccurate and incomplete and represents a very serious error in your reporting. The reported errors are with Portfolio Recovery 1. ) {$1800.00}, shows opened on XX/XX/XXXX, XXXX. ) XXXX opened on XX/XX/XXXX, and 3. ) {$2100.00} opened on XX/XX/XXXX. I am the victim of Identity Theft, that reference and report ID number is XXXX and my police report case number is filed with XXXX XXXX that case # is XXXX I am asking again to have all 3 of these charged deleted from my credit reports immediately.
Product: Mortgage

I was unemployed so I contacted Ocwen about an unemployment forbearance. I paid every one of my forbearance payments every month. After the forbearance period ended, Ocwen declared that I was 5 months behind on my regular payment amount, placing me in an impossible position and attempting to force me into foreclosure. They are demanding many thousands of dollars at once in order to " reinstate '' my account, which I had been paying my payments on every month until then.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX Account that was " In Good Standing '' on my credit report has been deleted or blocked from my report and my report no longer generates a score because of no credit history. The account should NOT have been removed. XXXX XXXX Credit Card Account # XXXX ... Date Opened : XX/XX/XXXX First Reported : XX/XX/XXXX Credit Limit : {$7700.00} Payment History : starting XX/XX/XXXX - current I have contacted XXXX XXXX customer service dept. and also the Fraud Dept. and both departments informed me that they have not stopped or requested removal of my account reporting and that my account is currently scheduled to report currently. A letter confirming that reporting is in effect has been sent by XXXX XXXX to all XXXX bureaus to prove this fact. 
I recently filed an Identity Theft report that included XXXX unrelated XXXX XXXX accounts and I feel that there is a possibility that the wrong account " In Good Standing '' was blocked by mistake, because the first 4 digits are the same " XXXX ''.
Product: Checking or savings account

Early in the morning on XXXX I deposited a {$3000.00} cashier 's check into my checking account and the bank placed an extended hold. This is a next day item. The funds should be available after one business day. I have properly maintained a checking account at Bank of America for over twenty years. I need the funds available so I can pay the rent on my apartment. On XXXX at XXXXXXXX XXXX I made a twenty minute call to customer service. I spoke with XXXX and XXXX and neither one could help me.
Product: Debt collection

XXXX XXXX I informed representative that I was unable to pay the debt at the time due to severe medical issues and requested that they not contact my cell phone number per federal guidelines XXXX XXXX same as above, reminded them that they are not allowed to contact a cell phone after they were informed it was a cell phone and was told to stop. 

XXXX XXXXreceived yet another call, informed representative again that this was a cell phone, two prior demands were made to cease contact to a cell phone. Rep informed me that it is " not illegal when you owe someone {$1800.00} '' and continued to become verbally abusive. Attempted to call back to speak to a supervisor to address the prior rep 's behavior, was placed on hold for several minutes. Did not get routed to a supervisor. 

All of my calls are recorded per state 's one-party consent law.
Product: Credit card or prepaid card

I paid my full XXXX  comenity card balance then they closed the account after less than a month. 
Comenity provided no reason or explanation. 
I would like my account reopened because I did nothing wrong for my account to be closed abruptly with no explanation.
Product: Credit reporting or other personal consumer reports

I declared bk in 2017 however I recently received copy of my fico report and was shocked to see Equifax XXXX and XXXX  reporting thst I have 18 to 30 late payments derogatory accts or negative which none of my accts current or included in bk were ever late!! To the contrary I have an excellent payment history!! Further my EquifaxXXXX XXXXXXXX immediately lowered my score XXXX points when I disputed accts that were not charged off but included in bk!! I already took a hit back when I filed therefore I am being hit again after numerous disputes!
Product: Mortgage

I applied for HAMP with Fay Servicing , LLC XXXX. XXXX, XXXX, IL XXXX and was denied a loan modification. I appealed because I was told by my file manager ( I think his name was ( XXXX ) at Fay Servicing that I would be denied because the investor would probably require XXXX upfront for me to qualify. He insinuated there was no reason to send the required information because I would be denied anyway based on this fact. Therefore, on XXXX/XXXX/15, I sent an appeal letter to Fay servicing because I would later find out it was potentially illegal in California for the Servicing Company or investor to require an upfront fee for the HAMP program. I also appealed because I had a change in circumstances. I called Fay Servicing on XXXX/XXXX/15 because I never heard anything back from Fay Servicing regarding the appeal. This was when I was told that my account manager was no longer there and had been assigned a new account manager named " XXXX XXXX ''. " XXXX XXXX '' told me that Fay Servicing could not longer communicate with me about anything to do with my loan or appeal or loan modification unless I provided them the following information:1. A letterhead from the law firm representing me in a lawsuit with XXXX XXXX XXXX which has nothing to do with Fay Servicing. 
2. An attorney letterhead from the attorney representing me in a BK. 
3. Stated that the attorney representing me in a BK must sign the permission slip for them to talk to me about the HAMP loan modification for Fay Servicing to talk to me about my status on the loan modification appeal. 

Therefore - with the above being understood - I am submitting this complaint based on the following:1. Whatever BK that was filed in the past should have nothing to do with the loan modification process. This is especially considering that Fay Servicing has been communicating with me for several months during the loan modification process. This substantiates the fact that Fay Servicing potentially just made up this policy all the sudden to potentially harass me and violate my rights to appeal the loan mod process. 
2. Fay Servicing is guilty of dual tracking. That is because I had sales dates every single month during the loan mod process and even have XXXX this month during the appeal Fay Servicing absolutely refuses to talk to me about. 

Please help! 

Respectfully, XXXX XXXX
Product: Mortgage

I started a streamline refi with Freedom mortgage on XXXX XXXX it is still not done they have done nothing but string me along asking for everything under the sum
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX, account number XXXX. XXXX. XXXXXXXX XXXX XXXX, account number XXXX. XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX account number XXXX, I have sent certified letters to Equifax credit bureau requesting full break down of validity procedures due to these account being illegally reported to my equifax credit report. Ive also requested Equifax do a thorough investigation on these accounts and also to send me originally signed contracts between me and these companies, they havent provided them and its been legally past the statute and timely manner to do so. There are still no proof of these account being mine and there are still inaccuracies reporting on these accounts on my credit profile. Equifax is now part of the litigation including these reported account companies listed above due to clear violations of 15 United States Code 15 ; FCRA.
Product: Checking or savings account

I had a check bounce and TD bank has my account frozen now. My paychecks are still going into the bank yet they are unwilling to work with me to open the account back up or close it so I can receive my funds. I can't even log into the account to receive my account number or contact support on the secure line.
Product: Credit card or prepaid card

Amount of {$79.00} from XXXX was a service not received! No business exists. XXXX guilty of fraud. Capital One purposely trying to irritate this customer. Capital One has sent various secure upload links that do not function. Fax most recently sent To Cap One disputes on XX/XX/2022 with supporting documentation.
Product: Debt collection

I went into XXXX XXXX in XXXX ct. XXXX XXXX XXXX was running a promotion that if you switch your cell provider to them they would pay off remaining balance to your current cellphone provider on all the lines. They sent me the agreed gift card in the mail for switching service to them, but never paid off XXXX outstanding amount. Now it is in collection and being reported as {$300.00} that I owe. They have transferred to XXXX XXXX and to Jefferson Capital systems LLC. They are breaking FACRA and falsely reporting that I owe it and that It is a new debt incurred In XXXX of 2020. I changed carriers and this all took place over 4 years ago. XXXX XXXX XXXX needs to pay XXXX and they need to remove this off of my credit. I only switched to XXXX XXXX XXXX for the promotion that they paid off XXXX and did not due so. I did not go into the mall that day with intentions to switch and then was convinced and lied to and now is ruining my credit.
Product: Credit reporting or other personal consumer reports

I have multiple inquiries from XXXX XXXXXXXX on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act 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 XXXXXXXX 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 Consumer reporting agency cannont furnish a account without my written instructions
Product: Debt collection

Filed a dispute with XXXX on XX/XX/22 as I do not know anything of this collection. Per XXXX it is verified ... .in three days??? 

Phoned into company calling phone number listed on my credit profile, per conversation recorded at XXXX on XX/XX/22 they are unable to access my account to send me debt verification proof but they verified the debt that I disputed on XX/XX/22 .....
Product: Debt collection

Hunter Watrfield claims to be collecting on behalf of XXXX some rental company which I never had business with. My numerous attempts to resolve the matter with them went ignored. I requested debt validation in accordance with FCRA rules and regulations and they failed to proof validity or ownership of this debt. However they are still reporting this on my credit report which is damaging my credit rating to an extend. I request they DELETE this collection from my report and STOP their harassing collection efforts once and for all!
Product: Debt collection

I signed a contract as a condition of employment with a commercial trucking company. In the contract it states " Promise to Pay. By signing this agreement, you promise to repay to XXXX the value of the XXXX if you do not complete XXXX paid solo miles. You are responsible for repayment if you voluntarily terminate your employment or you fail to maintain your driving qualifications other than your physical qualifications '' I was terminated by the company after having a small accident. I did not voluntarily terminate and was still qualified to drive. I did not break the contract and was acting in good faith with the company. The company did not tell me at the time of my termination that they expected me to pay this money. They withheld a small portion of my last pay and this is how I found out about their intentions. I called the company 's HR department and they refused to discuss the issue of owing a debt and said that a collection agency would contact me. The collection agency that contacted me was sent XXXX registered letters explaining that I did not owe the money. I have contacted an attorney two times to receive guidance on this issue. The collection agency has called me six times after receiving the letters. My former employer does not have a right to seek this money by the nature of the wording in the contract. I wish to have this resolved without having to seek legal action in a court of law.
Product: Vehicle loan or lease

I received an auto loan from Santander in XX/XX/XXXX for a XXXX XXXX. I fell on hard times and didnt pay my note for two months. They repossed the car. I paid the money to get it back. I didnt even get a notice that it would be repossed. 

It is now XXXX. I have paid over 16,000 toward the car and I still owe XXXX. I bought the car for XXXX. Every time I call I am never given the proper explanation. I have been taken advantage of and I know something isnt right with the interest rate. I just need a lawyer to look things over for me. Even when they give me a pay off date I divide the money I owe by my monthly payments and the payments far exceed the date they gave me. Can someone please help with this and let me know if there is a class action suit in Michigan against them.