23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ASSET RECOVERY ASSOCIATES, XXXXXXXX XXXX, XXXX XXXX, IL, XXXX, XXXX, CONTACTED ME ABOUT A XXXX XXXX DEBT FROM XX/XX/XXXX. THEY TOLD ME THEY WERE LAWYERS WHO WERE GOING TO SUE ME AND GARNISH MY WAGES IF I DID N'T AGREE TO A SETTLEMENT. XXXX XXXX XXXX XXXX. XXXX ) CONTACTED ME ON MY JOB AFTER I TOLD HIM NOT TO. HE CALLED BACK AND ASKED FOR XXXX XXXX STATING THAT HE NEEDED TO SEND A GARNISHMENT ORDER ON ME. I HUNG UP AND HE CALLED AGAIN. HE CONVINCED ME THAT THE LAWYERS HAD A LEGITIMATE CLAIM AGAINST ME. XXXX XXXX HAD MY SS #, ADDRESS, EMPLOYER INFO, INFORMATION ABOUT RECENT PURCHASES, AND MY CREDIT REPORT. I AGREED TO PAY {$1200.00}. I HAVE MADE XXXX PAYMENTS ; XX/XX/XXXX - {$400.00}, XX/XX/XXXX - {$400.00}, AND XX/XX/XXXX - {$200.00}. MY LAST PAYMENT WAS SCHEDULED FOR XX/XX/XXXX - {$200.00}, BUT I HAVE INSTRUCTED MY BANK NOT TO PAY. I FOUND OUT THAT THEY ARE NOT SUPPOSE TO COLLECT ON THIS DEBT DUE TO THE STATUTE OF LIMITATIONS NOR WERE THEY SUPPOSE TO SET UP REOCCURING BANK DRAFTS WITHOUT WRITTEN CONSENT. I WAS TOLD TO REPORT THEM TO MY ATTORNEY GENERAL ( DONE ) AND YOUR AGENCY. THANKING YOU IN ADVANCE FOR ANY HELP YOU CAN GIVE. HOPEFULLY YOU CANHELP PREVENT THIS FROM HAPPENING TO ANYONE ELSE.
Product: Student loan

I have recently had a wage garnishment put in place. I have lived at same residence for 10years and never received any documentation. I have been trying to work with Collection Technology Inc and they have been extremely rude and very difficult to deal with not returning phone calls not sending paper work, etc and so on!! I know that it is there job to collect debt but I do n't believe I owe as much as they say and I was pretty much told that is what told that is what total is and that is that! Just called them XXXX/XXXX/15 @ XXXX central time, was told we are in a meeting we will call you back and hung up on! Not sure who their CEO knows within the Department of Education for them to be able to buy this debt and then immediately start garnishment and withholding tax money.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE ALL FRAUD ALERTS FROM MY CREDIT FILE. 

ALSO, PLEASE UPDATE MY CURRENT EMPLOYER : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not recall signing up for Experian credit monitoring service they are charging me {$26.00} every month for this service and making it impossible to cancel there is no way to cancel online and when I call they dont answer. I am going to have to cancel my credit card on file Im order to prevent them from bleeding me every month. They are predatory and must be stopped.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws. 
These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

The 5 Navient XXXX are reporting the account are open when these are accounts are in " Administrative Payment Deferred '' These accounts should reflect " closed ''. The accounts are under investigation and not payment is required until 2023 per the " Department Of Education '' as they have been put hold for over 4 years for " STUDENT LOANS FORGIVENESS '' review but nothing happen because the prior Administration. 

Now the we have won the Class Action Law Suit and Navient have been required to pay back money to students and the University XXXX XXXX is required to payback XXXX XXXX dollars to students as well.
Product: Checking or savings account

USAA has been reflecting incorrect amounts on my available balance, it seems that they have been knowingly miss stating this amount so that I will spend above it to go into overdraft for my checking account. 

I was charged for XXXX $ on the XXXX of XXXX and my account balance reflected this, even though the charge was pending, which is normal that the available balance would reflect this charge and my balance show this debit. 

For some reason, I am just now having this amount being reflected, had my account balance misstated and am now in overdraft, USAA is currently telling me that it was not shown as debited until today 's date the XXXX of XX/XX/2020, but per a statement summary on the XXXX of XX/XX/2020 the amount was reflected as being debited. 

As well there were pending charges from XXXX totalling over XXXX XXXX and on the XXXX of XX/XX/2020, possibly XXXX, I was told by a representative that the charges were being reversed and the amount would be put back into my account within 3-5 business days. I do believe that my account is being miss reflected knowingly, and the further issues are knowingly being incurred by USAA, this is not the first issue I have had with USAA. I am also being told that my available balance prior to the XXXX was XXXX but per the statement it was XXXX. USAA is unfortunately giving me multiple reasons which none answer the problem.
Product: Credit reporting or other personal consumer reports

It says I was late or bankrupt but I can't find any proof of that.You know those cases, Sarver v. Experian Information Solutions ( 2014 ) and Adams v. National Engineering Service Corp. ( 2006 )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 
This is inaccurate and erroneous data on my profile. Please correct ASAP!!!! 

un-authorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters to trans union, XXXX, XXXX and im on my 3rd round with XXXX. Ive started my disputes as of XX/XX/XXXX and as of XX/XX/XXXX. 

XXXX  XXXX XXXX  {$560.00}, XXXX {$1300.00}, XXXX XXXX XXXX {$440.00}, XXXX XXXX XXXX {$8700.00}. 

I have sent proof of verification, validations, I requested for removals, original signed documentation, signed contracts, ect. I have never received anything from original creditors reporting to the 3 bureaus and or any proof. If anything my credit is being damaged more and more affecting my ability to obtain necessary credit by being re reported eveytime i dispute. XXXX  and XXXX seems to do more harm and hold credit hostage. Nothing has been provided to me 100 % validation or verified under FCRA. All documents are notarized and have tracking.
Product: Credit reporting or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Prepaid card

On XX/XX/year> I notified Bluebird Customer Service that someone broke out my friends car window and stole my purse and my cell phone. I told the customer service representative that I needed to report my card stolen and I would like to hear my last transactions that were made on my card. I told them the last two transactions that were in the amount of {$200.00} each I didn't authorize. The last transaction I made was {$100.00} on XX/XX/year> and I would like them to cancel that card immediately and dispute those two transactions. I also wanted to make sure I filed the dispute correctly and did everything right on my end cause it was the last of my financial aid for that semester so I made sure to call them after submitting the dispute to make sure I did it correctly and if they received an they told me they had. I even asked if I should file a police report and they told me submitting the dispute was the only thing I needed to do. So on XX/XX/year> I received an email telling me my disputes for the total of {$400.00} was denied and if I would like to review the documentations they relied on to make the determination of the denial it was my right by law and to request them by writing them my postal mail which was at Bluebird Customer Care XXXX XXXX XXXX XXXX, GA XXXX. I called Bluebird once receiving this denial letter asking them if there was an email I could contact them by or a phone number. I was given an email that wasn't real or something cause after sending an email to the one they provided i received something saying sorry we were unable to send your message to XXXX. So after calling several times asking to speak with someone and make sure i had wrote down the email correctly I gave up on trying to get an email or phone number and typed up a response to there denial letter asking for Bluebird Customer care to send me the documentation for denying my disputes for transactions I didn't authorize. I sent that letter out at the end of XXXX or beginning of XXXX and have been waiting for a reply for months now. So finally I called Bluebird Customer Service back on XX/XX/year> asking what was going on but the lady told me all she could do was submit my disputes again. I told her basically that is having me start the whole processes over cause if they deny my disputes again I'm just getting the run around from these people this isn't business like at all any other bank would of settled this and this bank has been giving me the run around since XXXX. I don't feel like this company has done anything to help me with this issue. Why they denied my disputes I have no idea cause I am sure atm have cameras and they can clearly see it wasnt me who did these transactions and how they got my pin I have no idea i can only think that i had my XXXX  card pin on the back of that card and I use the same pin for everything but how is that my fault i didn't expect someone to smash my friends car window out and steal my purse and phone. I just want this company to do their job like any other bank would and what they are required by law to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
EQUIFAX is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give EQUIFAX written permission to furnish these accounts : XXXX - XXXX {$6700.00} ( CHARGE OFF ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX - XXXX {$2700.00} ( CHARGE OFF ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Credit inquiries unauthorized Credit Plus - Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Credit Tech - Dates : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Fairway Inde - Dates : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXXXXXX XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX EQUIFAX MORTGAGE SER - Dates : XX/XX/XXXX Miscellaneous Reptg. Agencies NO CONTACT INFO XXXX XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX Miscellaneous Reptg. Agencies NO CONTACT XXXX XXXXXXXX XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX Miscellaneous Reptg. Agencies NO CONTACT INFO
Product: Payday loan, title loan, or personal loan

About a year ago or little long I received a personal loan from XXXX for {$1000.00} or {$1200.00}. I noticed couple months ago that on the XXXX web-sit was offering a loan, that I believed to be a loan for extra money, great with XXXX so near. There was n't any extra money, but a refinance. I have never been late on this loan or have missed payments. Up until this time did n't I have reason to mistrust XXXX and their practices. I would find out quickly that this was n't the case. I spoke to two employees and I stated that the contract said I could cancel the loan and return to my old, they were no help at all, they told me it could n't be done, with no information given. The first loan would be paid off in XXXX, which is drawing near and the second loan would pay off XXXX. The first loans payment was {$130.00}. and second is {$100.00}. a difference of {$.00}. The first loan had a balance of {$1200.00}. The second loan total {$3700.00}, which is difference of {$2500.00} why on earth would I agree to pay a {$2500.00} extra to get a break of a whole {$33.00} dollars month. 

I would like to return to loan amount with a lower interest rate. Had to copy/paste to get it download.
Product: Credit reporting, credit repair services, or other personal consumer reports

After my initial complaint XXXX investigated and deemed the accounts was not mines. Their decision was by far correct, and in accordance with the FCRA all criteria was met. However, after many attempts Transunion did just the opposite and today them same accounts remains on my report. The following closed dated accounts are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
Product: Student loan

I applied for the SAVE student loan program through Nelnet and the government 's student loan website back in XX/XX/XXXX, and was told that the amount I owed was {$0.00} due to my income level. Today, XXXX XX/XX/XXXX, I received an email stating that I owed {$280.00} in two weeks, on XXXX XX/XX/XXXX. I was not given the proper warning that I would owe nearly {$300.00} over the holidays, and was originally told I would not have to pay anything while at this income level. 

When trying to reach out to the company, the customer service unacceptable. There are 70+ minute wait times to contact a representative to get this resolved, and no way to chat with anyone else online, either through a chat or email. 

In short, I have a sudden {$280.00} charge coming that I can not seem to rectify, and I can not afford this. I have no options.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under Metro 2 Compliance Guidelines, Credit Reporting Resource Guidelines Page 10-1. I am request you remove this item immediately. XXXX XXXX XXXX XXXXXXXX XXXX account number : XXXX. This account is being reported illegally. 
Accounts must be deleted for the following reasons : -Accounts which have been forwarded or sold to an0ther entity ( Debt Buyer )
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX. Inquiry Date : XXXX XXXX, 2020 - Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 - Unauthorized inquiry by Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, removing these items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
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

New and updated information regarding Key2Recovery : For the agent responding, to assume that I, the consumer, would know the passwords allegedly provided would STILL work instead of the agent just providing the password or admit that the company is not well trained to perform day to day operations.

Key2Recovery employees spend more time using abusive and obscene words towards consumers instead of just fixing the problem at hand.

I've had a chance to look over these documents and there is several things I noticed on top of this companies deceptiveness, false and misleading statements, abusive and obscene languages, all clear violations of the Fair Debt Collection Practices Act. 

On top of the company showing a ledger with a XXXX balance. None of these documents show the character amount furnished on my consumer report in the amount of {$1600.00}. I have repeatedly asked for verification of this debt or some type of itemization of each dollar amount of this debt and the ledger provided by Key2Recovery shows proof that this debt collector is using illegal, false and unfair means to collect. 

Because the so called ledger is password protected I have included a screenshot of the XXXX out balance along with the alleged write-off amount. 

I have also included the screenshot of this account on my credit report which I would like to point out two different balances that are not reflected on this ledger.

Key2Recovery has violated 15 USC 1692a by providing an abundance of evidence of abusive, deceptive, and unfair means to collect on this alleged debt.

15 USC 1692d ( 2 ) by using abusive and obscene language from not only this agent insuataing that I should have known the password of both of these documents, but from the agent XXXX XXXX by stating that since she is a manager I shouldn't have to speak with another manager although she could not assist me with the day to day operations. And the deceptiveness of not providing a password to get me to call in where the only focus was to get me to consent to receiving unwanted and unfair calls and emails. Also the misleading that ANY agent of this company would be able to assist but no one was properly trained. This only shows that the reason the document was password protected to began with is so that investigators of the CFPB could not see the next violation which is the false representation of the character amount of this debt by reporting two different amounts that have nothing to do with the alleged password protected ledger which is a violation of 15USC 1692e ( 2 ) ( A ).

I can only imagine the consumers that are being affected by this companies abusive, deceptive and unfair ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is formal notice that you have failed to respond to my dispute letter of XXXX XX/XX/2021 within 30 days. I have enclosed a copy of the return receipt which you signed in my XXXX  complaint. I am maintaining detailed records of all my correspondence with you. 

You may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, Im sure you will want to handle this matter as soon as possible. As such, I have included a copy of my original request, the dated receipt of your reception of the original letter, and a copy of the proof of the mistake placed on my records. 

As a reminder, I am disputing the XXXX XXXX account collection status due to the litigation being thrown out in court. 

Please remove this error from my credit report as soon as possible. 

Sincerely,