23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVNV Funding for XXXX XXXX  has placed a collection account on my credit reports that is not valid. Not mine. I have no contract or agreement with LVNV Funding at all. This originally came from Resurgent Capitol.They use multiple company names and different addresse to trick you into not knowing who to respond to properly. 

Upon initial receipt of a notice from them I sent them a cease and desist letter for this alleged account back in XX/XX/2019. Even though I had done this they have illegally placed this collection account on my reports. 

I have attached a copy of the letter that I sent them originally. 
I have also disputed this with the credit bureaus and re-sent LVNV Funding/Resurgent Capitol the cease and desist letter. 

I want this removed from all credit reporting accounts immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing them for a very long time I have been requesting a copy of the contract, showing proof that this is my debt and I have not received anything. All they keep doing is changing the remarks back-and-forth, and now it is saying Im paid on it, which I a lie.this is not my account! they have been removed from XXXX. and not XXXX XXXX or XXXX.
Product: Debt collection

In an attempt to provide me with debt validation. Simon 's Agency XXXX Inc violated my HIPPA rights by accessing and printing my medical ID, Medical Bills and Procedures and sending me without my authorization. Simon 's Agency, Inc never released a HIPPA form for me to authorize access to this medical information.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the elimination of any incorrect accounts from my credit report. Could you please examine the documents? Some of the listed accounts contain inaccuracies regarding reporting, incorrect amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my concern about a violation of my rights under the Fair Credit Reporting Act. Specifically, XXXX XXXX XXXX XXXX XXXX # XXXX has violated my privacy rights under 15 USC 1681 section 602. As a consumer, I have the right to privacy and to control the information that is shared about me. According to 15 USC 1681 section 604 A section 2, a consumer reporting agency can not furnish my account without my written instructions. This means that I have the right to decide who has access to my credit information and how it is used.

Furthermore, 15 USC 1681a definitions ; rules of constructions - exclusion - except as provided in paragraph, the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. This means that I have the right to make payments on time and not be penalized for doing so.

I am aware of the " Opt Out '' requirement detailed in subsection ( b ) of 15 U.S. Code 6802, and I understand the definition of " nonpublic personal information '' as provided in subsection ( e ) ( 4 ). I expect that my rights under the Fair Credit Reporting Act will be respected and that my privacy will be protected.
Product: Payday loan

Marlette Funding , LLC showed up on my XXXX credit report as requesting credit information XX/XX/2015. I have never done business with this company so I do not think they should have requested access. 

XXXX XXXX, DE XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX. XXXX - XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am displeased with PNC 's response to dispute # XXXX as the information provided by PNC is incorrect. It took PNC several weeks ( fromXX/XX/XXXX until XX/XX/XXXX ) to " produce '' this document that I had never seen before or ever received. Nor was it sent certified mail or tracking to verify receipt. Additional, PNC was only able to " produce '' this document after I reported them to the CFPB. Even after the compliant was filed, it took them almost a month to " produce '' this document. 

Additionally, I have located the original approval letters from PNC showing I was indeed granted a COVID Relief Hardship Deferral onXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX This disproves their document from XX/XX/XXXX and further substantiates my complaint.
Product: Student loan

I am in the process of purchasing a home and I reached out to Navient for a repayment plan that would best suit my financial situation and to ask why they have reported to the credit bureau 's that my loan was in deferment, when I was in forbearance, not deferment. They put me on an income based repayment program and said that I was not in deferment, and it shouldn't be on my credit report. My mortgage broker 's credit report and my own credit report reflects the deferred verbiage. Also, I made a payment towards my student loans in XXXX, and I received a notice that my total balance has increased as of today, XX/XX/XXXX. HOW? When I call in to speak with their customer service reps, why don't they advise that the repayment amount goes towards interest and that the balance can still go up as you are making monthly payments. Why am i making payments towards a balance that just increases?
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up forbearance with XXXX and was approved through XX/XX/2022 through XX/XX/2022 and set up an interest only payment plan that I have been paying and never missed a payment. This brought my account current and put those months in good standing ( I have paperwork from XXXX ). However, XXXX reported the month of XXXX as missed and it dropped my credit score tremendously. I've reached out to XXXX XXXX XXXX department ( in which you can only respond via mail and their customer support department has no clue on the response ) and tried to handle directly with the company and they sent the letter saying they wont change. Next step was me writing this complaint. If this doesn't work I will go to small claims court and sue them for pain and suffering, taking advantage of DISADVANTAGED ( person of XXXX from low income area ) customer right after Biden lifted the Student loan payment pause. The negative information has caused me to get higher interest rates on my credit card and drop my credit utilization with my lenders.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against AMERICAN EXPRESS for unauthorized and inaccurate reporting on my credit report. Specifically, a charge-off amount of {$4900.00} was reported by AMERICAN EXPRESS XXXX XX/XX/XXXX XXXXXXXX XXXX, which is not only erroneous but also violates several federal laws designed to protect consumer rights. Violations of the Fair Credit Reporting Act and Related Regulations 1. Violation of 15 U.S. Code 1681c-2 : As a victim of identity theft, I have informed the credit bureaus of this issue and requested the removal of the fraudulent information. According to this statute, a consumer reporting agency is required to block the reporting of any information resulting from identity theft no later than 4 business days after receiving such notification. It has now been 30 days since my notification, and this information remains on my report. This delay is a direct violation of my rights under this provision. I demand that these items be deleted from my credit report IMMEDIATELY. 2. Violation of 15 U.S.C. 1681a ( 2 ) ( A ) ( 1 ) : This statute specifies that no income, transactions, or experiences should be reported on consumer credit reports. The entry by AMERICAN EXPRESS includes information related to income and transactions that are unauthorized and not permissible under the FCRA. 3. Violation of 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : Under this section, a consumer report may only be furnished under certain specific circumstances, such as in accordance with the written instructions of the consumer. I have never provided written consent to any consumer reporting agency to report the information in question. Reporting without my consent constitutes identity theft and a violation of my rights as a federally protected consumer. 4. Violation of 15 U.S. Code 1602 ( p ) : This provision defines the terms related to credit and associated transactions. The reporting of a charge-off amount does not meet the criteria for reportable information under this statute, and therefore, it should not be included in my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are between XX/XX/XXXX XXXX XXXX 2021
Product: Vehicle loan or lease

I paid my car loan off with CapitalOne Auto on XX/XX/2023, by transferring the loan balance directly from my local bank account to the lender. I need the XXXX released at this time. They acknowledge receipt of the funds from my account, but I am told by their representatives that they can not send the release for XXXX business days following payment, which is simply an electronic transaction, as " that is the process. '' I asked to have the release process expedited, as I am leaving for an extended vacation, I have given the subject vehicle to my daughter, and we need the title before I can leave in order to transfer ownership to her. Their response to my request to expedite the process was a flat denial, saying they have to follow their " process. '' They offered to have me speak to the " XXXX '' but then came back on the call and said that person would be out for the next 3 days, so their response was, in reality, no response at all. It was a customer service nightmare and the representatives, who were clearly not in this XXXX, while polite, were absolutely no help whatsoever. I informed them I would never again do business with Capital One, for any reason, and would advise everyone I know to avoid doing business with them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, Thanks For taking the time out for reading my notice. I have sent Numerous notices to XXXX, Experian, & XXXX to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & need to be delete from my credit report
Product: Credit reporting or other personal consumer reports

I use to Have An Bank Account with Wells Fargo someone stole and used my Social Security Number to do etc things with it, also I had a credit card with XXXX XXXX anytime I try to put my Social Security Number in a get denied to own anything I try to by for MYSELF. Like AN CaR that I've been trying to get and pay for without having to CO-SIGN with anyone
Product: Credit reporting or other personal consumer reports

I've recently receive a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Checking or savings account

XXXX XXXX XXXX Charity withdrew money without my permission. TCF Bank has not been able to recover it. I just talked with them. It is an obvious scam sponsored by XXXX XXXX of XXXX XXXX XXXX. He is part of the SCAM!
Product: Debt collection

I recently discovered a discrepancy on my credit report with an outstanding balance that I did not recognized. I called the collection agency ARS at XXXX and I was told that someone in Florida received medical on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX at XXXX XXXX XXXX room in XXXX XXXX Florida using my SSN. At the time that the services were rendered, I was and is still living in Virginia. The account numbers that I was given are account # XXXX for {$560.00}, account # XXXX for {$280.00}, account # XXXX for {$280.00} and account # XXXX in the amount of {$290.00}. These charges are fraudulent and they are causing some issues for me. 
Upon the conclusion of my call to the creditor the representative at ARS advised to file a report concerning the matter with the Federal Trade Commission which I did immediately XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with XXXX XXXX XXXX XXXX XXXX reporting inaccurate late payments to my credit report & not correcting the information. My auto loan was paid in full & was never late & my report should reflect that!
Product: Debt collection

I Do not know TRIDENT ASSET MANAGEMENT they are claiming that I owe them from a Credit Card they never sent any documentation stating anything but they keep updating my Credit Profiles and its hindering my Credit Score and I tried Disputing but they keep saying that the information is accurate when I never signed anything with them so it cant be accurate
Product: Money transfer, virtual currency, or money service

I added XXXX dollars to my account for the first time. When I withdrew, my account was restricted. But after an entire month, with over XXXX tickets filed, I have not received any response and am unable to access my money.
Product: Debt collection

I have received multiple calls from an agency claiming to be a debt collector. I do believe they could be but have yet to have them identify themselves in any way other than over the phone. They seem to have my name and now *definitely* have my address and month and day of birth. All I have is a phone name, phone number, address and repeated requests for my banking information. I also have him accusing me of not being willing to work with him to resolve this debt. I tried several times to get him to understand that I would not be giving him any banking information over the phone and he jumped right to me refusing to work with him. I think he finally understood that I was going to set up an automatic payment to his company via my bank. I did ask him to prove to me that he was indeed who he said he was and that he was with a legitimate debt collection outfit. He offered me a phone number to XXXX XXXX XXXX instead. At some point I told him that I was aware of the Fair Debt Collection Act and that he should read it. He also insinuated legal action in an earlier call this morning as well as after I told him I would not be setting up an automatic withdrawal through his outfit. I told him again to send whatever information he wished to me via XXXX again. He then insinuated legal action by saying that if the XXXX of every month was good for me he needed to give me an extension to avoid legal action. After more of this, I told him things were getting weird and that we were done speaking. 

I get that I owe money. I, like so many other Americans, have fallen on some really XXXX hard times. I am proud to say that I have not had to resort to going back on XXXX AND that I have a freaking job FINALLY ( XXXX! ). I am a single, now-working-dad living at home with his XXXX year old Mom. All this after a crazy-making contentious divorce. I am trying to get my life together and having additional and unnecessary drama created in so doing ai n't helping me OR untold numbers of Americans. I honestly hesitate to even file a complaint because I am and have been quite discouraged with how much ever day normal people have to contend with from a lack of any protections. I want to do the right thing. I am trying. And I almost fall for what could be a total scam? For the love of giving the people a bit more power than we are lead to believe we have, DO SOMETHING. I am lucky as I have learned through, quite honestly, bad choices, to advocate. And I am trying!!!
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX  equifax and XXXX are reporting a credit card account named XXXX XXXX. This account was opened fraudulently In my name I have disputed it and they have failed to proceed with a proper investigation
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had a fraudulent account on my report. Please remove this account as it is hurting my ability to obtain credit. 

XXXX XXXX Account # XXXX
Product: Debt collection

My complaint is with AMSHERCOLLECTIONSERVICES. 
The original creditor was XXXX XXXX XXXX. For the amount of {$770.00}. This account was originally my XXXX account closed in XXXX and was discharged in my bankruptcy. The collection company duplicated the account and used my company name rather than my name and reported it to my credit for the same exact amount {$770.00}. They claimed it was a separate account but they just used the company which is under the same social security number as my personal name which is as on the account. They knowingly duplicated my account and reported it to my credit ad a open account and changing the dates to be current over 10 times. I disputed the claim and it was removed every time. When the dispute was in my favor and removed from my report they changed the dates to be current and reported it again most recent report to my credit is Between XX/XX/XXXX and XXXX XXXX, XXXX, they claimed it is a open account yes this account has been close since XXXX and discharged by my bankruptcy since XXXX. I contacted the collection company and they said they could not help me and I needed to contact T-Mobile which I did, t mobile had no record of this account nor did they help me in any way. This collection service is fraudulently reporting inaccurate information repeatedly to my credit rating and trying to collect money from me using extortion which has cause me financial distress and lowered my credit score significantly. This has been re reported to my credit continually multiples of times starting in XXXX till this year XXXX. I am contacting a lawyer to start a civil suit for damages against this company and would like to press charges what ever I can do to stop the fraud they are perpetuating on consumers. Please help me stop this abuse. 
Thank you, XXXX XXXX
Product: Debt collection

The company AMERIFINANCIAL SOLUTIONS has been reporting a debt on my file with the XXXX credit bureaus. I reached out to them XXXX via letters sent via certified mail asking for verification of said debt. The XXXX letter was sent around XX/XX/2021. After not hearing a response back to my first letter, I sent a XXXX  " Final Attempt '' letter on XX/XX/2021. After not hearing back from that final letter after XXXX days from XX/XX/XXXX, I decided to call them on XX/XX/2021. 

It is my understanding that when a consumer makes a request for verification, the creditor has XXXX days to respond. In each instance, I never received response from creditor. During my call on XX/XX/2021 the creditor admitted to having received my correspondence letters and stated that they sent letters back to me each time. I have not received a single letter and asked how they can verify that they sent said letters because I can see XXXX letter not getting to me due to carrier mishandling but both letters, that's highly unlikely. When asked if they sent the letters via Certified Mail as I did ( which shows that I can prove I mailed the letters and they in turn received them ) they responded that they did not and nor did they have to. I let them know that they then have no way to prove that they sent me a letter all they can do is state that they sent the letters. 

I finally asked them to provide the contract signed by me showing my signature and clearly verifying that said debt belongs to me and they told me that they did not have to provide signature ... that all they needed to do was show the name of the original debt collector and the amount. I told them they are in violations of The federal Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act. 

I concluded the call by letting them know I would be contacting the XXXX as well as the state attorney general to mount a complaint and they told me to go ahead and that when I do so, they will be able to provide the XXXX with a signed contract with the original creditor signed by me. 

Also I have reached out to all the credit bureaus multiple times regarding this and each correspondence states that the debt has been verified buy creditor yet I have not seen any verification documents.
Product: Debt collection

Hello. 

This account was paid in full. 
An arrangement between the lawyer and myself. 
Last week call the attorney to file a complaint Because that still keep it as debt collection {$150.00} He replied that it had been a mistake I was going to erase that negative report. 
This appears in XXXX Report. 
XXXX XXXX Original Creditor Citibank n.a . 
Open Date XXXX XXXX, XXXX Balance {$150.00} Collection Debt {$150.00} XXXX XXXX XXXX This appears in my bank report. 
XXXX/XXXX/XXXX XXXX * GA {$370.00} I need your help please. 
Kind Regards XXXX XXXX
Product: Debt collection

On Tuesday, XX/XX/XXXX I received an email from Convergent Outsourcing stating that I owe {$340.00} to XXXX and that collection activity will stop if I pay 40 % of the total balance due. However, I have no debt with XXXX, and would like for Convergent to stop contacting me. 

Bellow is part of what was sent to me via e-mail from Convergent stating what I " owe '' Your Account Summary : Creditor : XXXX, XXXX Convergent Account # : XXXX Amount Owed : {$340.00} Reduced Balance Amount : {$130.00} This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. 

Sincerely, XXXX XXXX Questions about Convergent? 
Visit convergenthelp.com Convergent Outsourcing, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

Calvary SPV is reporting a collection account for XXXX XXXX Bank opened on XX/XX/2012. I did not have a XXXX XXXX account at that time. I have disputed this collection activity previously and have not received any information regarding this account opened in my name in 2012. I have made several attempts to get information from XXXX XXXX regarding this account and they do not have record of the account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ARE XXXX DAYS LATE EACH XXXX XXXX XXXX AND XXXX HAS GIVEN ME ( XXXX XXXX ) XXXX XXXX XXXX ( CALLED ) AUD FOR CORRECTING A LOAN ( XX/XX/XXXX ) I WANT IT DELETED ASAP!!!!! 
INACCURATE INFORMATION!!!!!!!