23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received the attached voice messages and email from Alternative Dispute Resolution on behalf of XXXX XXXX XXXX saying that I owe them an amount of {$940.00} in which I do not recognize. They also mentioned in the email that they will contact my employer regarding this matter. I suspect this is a collection scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to a collection account with XXXX XXXX XXXX that is appearing on my credit report. This account is regarding a past due balance I had with XXXX. The past due balance had been settled with XXXX in XXXX XXXX  2017. I was informed by XXXX this account would be rescinded from XXXX XXXX XXXX As a safe measure, I immediately contacted XXXX XXXX XXXX to explain the balance had been settled with XXXX and they assured me the collection account would be removed from my credit report. The account has only been removed from my XXXX credit report, but not Experian or XXXX. I have attempted to dispute this with Experian and XXXX, but I have been unsuccessful in having the collection account removed.
Product: Debt collection

I had a payday loan from an online lender, XXXX XXXX XXXX, which originated XX/XX/XXXX and went into default that same year. They wrote the debt off and it must have been sold to Midwest Recovery Systems who are now re-aging this old debt. Under California law, the statute of limitations is 4 years - this debt is over 6 years old. This  company has been calling me non stop, sent me an email and have reported this debt as new debt with a start date of XX/XX/XXXX with the reporting bureaus, hence my Fico Score has taken a huge hit - they are clearly trying to re age an old uncollectible debt. I would really appreciate your help in getting this resolved. 

Thank you,
Product: Credit reporting or other personal consumer reports

XX/XX/2024, I looked at my report. I sent a letter to experian on XX/XX/XXXX asking them to reinvestiagate these accounts : XXXX, and here is my tracking number : XXXX XX/XX/2024 they sent me their invetagtion and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Experian really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission.

Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit.

Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than XXXX business days after the date of receipt. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Consumer Loan

Lender is not licensed to do business in the State of New York as required by New York Banking Law Article IX and is charging interest and other fees not permitted under N.Y. Banking Law Article IX and is attempting to use a rent-a-bank ( XXXX ) in an attempt to give its loans an appearance of legitimacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I discovered that XXXX XXXX XXXX XXXX XXXX XXXX   had been re-inserted an account on my credit file after it had been previously deleted. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. Furthermore the company even tried changing it's name as I noticed between XX/XX/XXXX and XX/XX/XXXX, the creditor name on this account was changed from XXXX  to XXXX on my Credit Report. I have attached a screenshot.
Product: Credit reporting, credit repair services, or other personal consumer reports

2nd ATTEMPT- Accounts XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX Are Showing a LATE PAYMENT/CLOSED ( can NOT be both ) on my credit report.. 
The Credit bureaus stated my account was properly investigated but how is that possible the date last active is inaccurate, and date last reported is not accurate. This ground for removal XXXX.SO MANY OF MY RIGHTS HAVE BEEN VIOLATED!!!! 
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 Also the Credit bureaus took more than 30 days to complete my investigation In accordance with the fair credit Reporting act XXXX  Account XXXX  XXXX XXXX has violated my rights. 
15 USC 1666B -states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
15 USC 1681 B - permissible purpose of consumer reports 15 USC 1666 - CORRECTION OF BILLING ERRORS
Product: Debt collection

Negative Credit reporting by the company for a debt that I do not owe.
Product: Student loan

Navient is the loan company. Their payment structure doesn't seem legal. For instance I paid about {$4000.00} in a year to only pay about {$200.00} of the principal. It was automatic payments but then it just stopped. They didn't call and I realized after 3 months no payments were taken out. They accrued almost {$700.00} in interest within those missed months. The principal went up. Now in order for any payments to apply to the principal, that {$700.00} in interest has to be paid off 1st otherwise it carries over to the next month and then keeps accumulating. It doesn't seem fair as my family has been paying all this money for the loan to keep increasing. Last year I had it down to {$23000.00} but today it's over {$24000.00} and that's after paying the monthly + more if we have it. Many months I paid {$360.00} instead of the {$280.00} thinking it would help but NO. The monthly interest is more than the payment!
Product: Credit card

On or about XXXX of XXXX, I closed my account with Avant Credit : account # ending in XXXX. The remaining balance on the account was {$1900.00}. The last purchase on this account was on XX/XX/XXXX, and the purchase was an unauthorized purchase from XXXX, as a recurring payment from a canceled account. On that XXXX statement for XXXX, I was charged {$37.00} for purchase interest and {$12.00} for cash advance on a closed account. 

The last cash advance that had a bank fee included was on XX/XX/XXXX, and that cash advance was from XXXX XXXX. I am not complaining about the first charge on a cash advance fee of {$12.00} on the XXXX statement. I have a complaint on XXXX of XXXX 's statement that included a {$37.00} purchase interest fee, with a {$12.00} cash advance fee. And following fees such as : ( 1 ) XX/XX/XXXX { {$35.00} [ purchase fee ], {$12.00} [ cash advance fee ] } ( 2 ) XX/XX/XXXX { {$32.00} [ purchase fee ] {$10.00} [ cash advance fee ] and a {$39.00} late fee }. 

The remaining balance on the account on XX/XX/XXXX was paid in full one day after the late fee was charged, and I made a lump sump payment of {$1800.00} on XX/XX/XXXX to close the account. There was no remaining balance on the account once a lump sump payment was agreed too and made to Avant Credit. On XXXX/XXXX/XXXX the credit card company assessed a charge of {$6.00} purchase fee and {$2.00} on a cash advance fee. Resulting in hidden fees that were charged to an account that has been closed for 6 month, and hasn't had a purchase on the account for 6 months. 

Avant Credit is a sub-chapter of XXXX XXXX, both located in XXXX Illinois, and upon talking to consumer service, I was told that the charges reflect market rates on the credit card. Even though the account was closed for more than 6 months. And upon, complaining with the XXXX XXXX XXXX, plus XXXX XXXX -- because Avant was sending negative reports to XXXX -- which results in XXXX in favoring these banking institutions, and dramatically lowered my credit score because I didn't want to opt into their {$29.00} monthly fee on credit rate protection, to fend off on predatory reporting on predatory collections on fees. My personal credit, even with exceptional payment history took a massive hit from above XXXX, and crashed to XXXX because I made two disputes on the reporting and the transaction fees that are being charged by Avant Credit, which is a credit card from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a bunch of hard inquiries on the credit report which we never made any of them. We contacted the phone # s and they said they would clear them and they never did! They are still there and all the same day and week!!!!! 

XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XXXX Texas XXXX ( XXXX ) XXXX - XXXX on XX/XX/XXXX
Product: Credit reporting 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 XXXX XXXX XXXX. 

has violated my rights. Or list of inquiries XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Someone from this number XXXX which is FMA Alliance Ltd called and said I owe {$3000.00}. Then they sent a letter I owe {$1400.00}. They claim this was from a XXXX done in 2022. We do not owe any balance. We paid our share when the XXXX was done and the rest was covered by the insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third and last time I attempt to fix this with transunion. They are still allowing XXXX XXXX XXXX to illegaly collect a debt that is unenforceable and uncollectable. My previous disputes have simply been automatic responses from both companies and a proper investigation was never done because of it was, transunion would have found out this debt is illegal and unenforceable. This account still remains on my credit report and because of that, I will be filing a lawsuit against transunion and I will seek punitive damages as well since I have a letter from a creditor denying me credit due to this illegal account on my credit report. Ive attached the laws and statutes that transunion has broken and a letter from the Florida office of Financial Regulation that support my case.
Product: Money transfer, virtual currency, or money service

I made money transfer from my Bank Of America account using XXXX to a person using their phone number who claimed to be a travel agent. I made 3 transfers, 2 on XX/XX/XXXX for amounts of {$1100.00} and {$600.00}, and third on XX/XX/XXXX for {$500.00}, totaling {$2200.00} for 2 flight tickets. After the money was transferred, the person was unreachable on phone but was active on text messages and that my flight booking was in progress. He also sent me couple of temporary booking on airlines for the flights requested, and one including his credit card payment of a small nominal fee to HOLD the reservation for 3 days before confirming. Since then, there have been only email exchanges and reservation was never made. After I made my own reservation, email thread started in regards of returning my money but that has not happened till date either. I filed a complaint with my bank and they went to the extent to tell me the recipient has a " US Bank '' account where the money was transferred but can not file a fraud or refund the money since it was initiated via XXXX by me. 

I ended up paying {$600.00} more for the same tickets ( since the price went up in the time being ) and never got my original  {$2200.00} back.
Product: Debt or credit management

I used Lexington Law credit repair amd didnt get results
Product: Debt collection

sent in validation letter without them verifying the debt to me, they updated the account XX/XX/XXXX
Product: Student loan

My Student loans ( only two ) and tuition was paid 100 % prior to my completing XXXX Program while I attended XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, by my former employer, XXXX XXXX XXXX XXXX XXXX As we're 2 of my classmates/coworkers, who all 3 if us had same job Title, XXXX XXXX  XXXX XXXX XXXX XXXX  of Jail Inmates. 

If you look back on My previous complaints, you will see that my college, XXXX is hiding behind XXXX XXXX XXXX, AES/PHEAA . And XXXX, US DEPT OF ED DEBT RESOLUTION All of which were directly Contacted by XXXX, XXXX XXXX, ID # XXXX, while she was on phone with me. She contacted both XXXX, and AES/PHEAA and directed both Loan servicers to cancel these loans due to ERRORS, and return any and all payments made/intercepted from me. And she forwarded these loans to the NSLD DIRECTOR TO REVIEW. 


Neither AES/PHEAA, OR XXXX has complied with NSLD ombudsmen request as of today. 

I have been in contact with my school, XXXX, financial office VP, and XXXX XXXX, who is the lady that actually made the original error of putting my classmates Loan documents into my file, which resulted in my name placed on my classmates loans. I suggested they do the right thing and cancel these loans, and I find it impossible to believe my college university has no record of any payments made by XXXX XXXX, my former employer paying my and 2 of my classmates tuition 100 %. I call XXXX. 

Which is why XXXX may have no record of any Tuition paid directly to them, I know my former employer does have a record of paying it which is why I contacted them last week and they are searching their accounts payable, etc. And getting back to me this week when they find the proof of paying. 

Which if XXXX, AES/PHEAA, XXXX, US DEPT OF ED DEBT RESOULTION still has a short time to do the right thing or wait until they I have undisputable proof that will shed a bad light on all these Student loan agencies and my college collaborated to defraud students and force students, USAF Veteran , currently XXXX, to pay off fraudulent student loans. 

Knowing the original Lender XXXX XXXX has no record of ever giving a student loan to me, or anyone with my ssn # .nor does original loan Guarantor, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, JPMCB  CARD SERVICES add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card or prepaid card

I applied for a Macy 's card financed through DSNB and lack of Home loan account on my report was one of the reasons cited for decline. It's seems that this is a discriminatory practice as lack of home loan does not signify credit worthiness or ability to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Regional Acceptance added a derogatory mark on my credit report per XXXX XXXX, XXXX  & XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA Regional Acceptance Recovery has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Debt collection

SEQUIUM has put a collection on my credit report about an XXXX   XXXX  equipment charge. Back in May i notified them by US mail that i didnt owe this they never responded. I also challenged this on my credit report and somehow its still on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : I would like to remove my fraud alert and or consumer statement from my credit. 
my ID and social is attach. 
Thank you.
Product: Mortgage

An inaccurate and understated appraisal was completed XX/XX/XXXX. I paid {$350.00} for this appraisal through Seterus Inc.. The appraisal came in at XXXX sq. ft. The actual sq. ft of my home is XXXX approx. I paid for this appraisal so that the bank would remove the Private Mortgage Insurance if the Loan to Value was XXXX % or below. Since the appraisal was understated I had a loan to value of XXXX %. I have sent proof with several letters to Seterus Inc. since XX/XX/XXXX that reflects my actual sq. footage but they do n't seem to care or want to help me. PMI runs me almost {$200.00} per month of which I have been paying since 2005. I am elderly and need your help.
Product: Student loan

I am age XXXX and have been XXXX since XXXX. My parents plus loan collection ( {$250.00} ) has come out of my Social Security check monthly now for eight years. My doctor provided a letter to Stuient aid in XXXX which still has not been accepted. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported Identity Fraud to all three credit bureaus and wrote a letter to submit to remove this from my consumer report. This is not my account, please remove.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence Engelhardt. V Gravens ( mo ) 281 SW715.719 presumed that no proof of the alleged debt. nor therefore any such debt in fact therefore exist. ( Please remove these accounts before I seek legal litigation for defamation of character ) XXXX XXXX XXXX balance {$11000.00}, XXXX XXXX XXXX balance {$0.00}, XXXX XXXX balance {$1000.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still account that need to be DELETED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax Credit Bureau to validate these accounts ( A ). I hope these disputed accounts are updated. 

DEPT OF EDXXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} XXXX Opened : XX/XX/XXXX, DEPT OF ED/XXXX XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/XXXX XXXX Balance : {$0.00} XXXX Opened : XX/XX/XXXX, DEPT OF ED/XXXX XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, XXXX, DEPT OF ED/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX DEPT OF ED/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance XXXX {$0.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX XXXX Balance XXXX {$0.00} Date XXXX : XX/XX/XXXX, DEPT OF ED/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX 31