23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Background : In XX/XX/XXXX, a debt was alleged to be attributed to my name. Despite the passage of four years without any validation request from the collector, the account was reported to XXXX. 

Timeline : XX/XX/XXXX : Alleged debt associated with my name and reported to credit bureaus without prior validation by the collector. 
XXXX : After discovering the account, I formally requested validation of the debt from the collector. 
XX/XX/XXXX : The collector responded to my validation request, and upon thorough review, I have determined that this debt is not mine. 
Disputed Debt Validity : Upon reviewing the information provided by the collector, several discrepancies arose regarding the validity of this alleged debt : Address Associations : The collector cited charges related to two addresses : XXXX XXXX XXXX, which I do not recognize or associate with in any way. 
XXXX XXXX XXXX, a property I did not occupy in XXXX. According to public records, this property was sold in XX/XX/XXXX, confirming that I was not the resident during the service period referenced. 
Inconsistent Financial Records : The initial statement dated XX/XX/XXXX, indicated a balance of {$800.00} with an adjustment of - {$460.00}, leading to a past-due balance of {$330.00}. However, the justification for these figures remains unsubstantiated. 
A charge of {$100.00} appeared to be reduced to {$89.00}, excluding charges related to XXXX XXXX XXXX ; this charge lacks any supporting documentation or calculations to validate the adjustments. 
The subsequent statement dated XX/XX/XXXX, further adjusted the amount, reducing {$89.00} by - {$69.00}, resulting in an approximate balance of - {$10.00}. This inconsistent change raises questions about the legitimacy of these adjustments. 
Additional Concerns : The date of referral for this debt was XX/XX/XXXX, XXXX XXXX years prior to credit reporting. This timeframe is problematic as it suggests potential irregularities in the collection process. 
The amount referred was {$370.00}, yet without an itemized breakdown that justifies the previous balance of {$330.00}. Furthermore, {$93.00} also appears in the records without validation. 
The alleged date of service, XX/XX/XXXX, is suspiciously inconsistent with the sale date of the property on XX/XX/XXXX, coupled with the earlier listing of the property for sale, indicating that there was no active occupancy or services rendered during this time. 

Conclusion : Given the lack of supporting documentation, discrepancies in financial records, and unclear associations with the cited addresses, I firmly dispute the validity of this debt. The collector has failed to provide satisfying and substantiated evidence to tie any debt to me. I will continue to monitor the situation and seek avenues to rectify my credit report based on this falsified debt claim.
Product: Credit reporting or other personal consumer reports

I changed my phone number in XXXX. I do not have or use a smart phone, thus no texting. I can not log into Experian.com because I can not receive a confirmation text at my current or old phone number and can not receive a confirmation call at my old phone number which is now incorrect in my Experian profile. When I called Experian, I could not get past the computer to reach an agent ( 3 tries ). They must have a way to reach an agent to fix my login access.
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly XXXX It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Debt collection

TRANSWORLD SYSTEMS INC IS IN VIOLATION OF FCRA 615 ( F ) ( 15 USC 1681M ( F ) PROHIBITION ON SALE OR TRANSFER OF DEBT CAUSED BY IDENTITY THEFT! THIS DEBT WAS OWNED BY XXXX XXXX WHO WERE SUED AND THIS DEBT WS DISCHARGED XX/XX/XXXX. NOW TRANSWORLD IS REPORTING THIS DEBT AS OF XX/XX/XXXXXXXX  FALSELY TO ALL 3 MAJOR CREDIT BUREUS. I FULLY INTEND TO PURSUE LITIGATION IN ACCORDANCE WITH THE FCRA TO ENFORCE MY RIGHTS AND SEEK RELIEF. TRANSWORLD PURCHASED A DEBT THAT WAS DISCHARGED AND NEVER ALLOWED ME TO VALIDATE THT THIS WAS EVEN MY DEBT OR ACCURATE. LASTLY, TRANSWORLD IS IN VIOLATION OF USC 1681 C-2. I AM 100 % WELL AWRE OF MY CONSUMER RIGHTS AND UNDER 15 USC 1611 ( 1 ) TRANSWORLD ARE CRIMINALLY LIABLE FOR GIVING FALSE INFORMATION TO THE CREDIT BUREUS AND THEY ARE LIABLE FOR ALL ACTUAL DAMAGES BECAUSE THEY OWN THIS DEBT. THEY ARE LIABLE FOR 2X OF THE FINANCE CHARGE. I WILL ESCALATE THIS MATTER TO THE FURTHEST EXTENT UNTIL THIS MATTER IS COMPLETELY SOLVED.
Product: Debt collection

I recognize the significance of eliminating any erroneous entries from my credit report, as required by XXXX XXXXXXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX {$830.00} to settle an account in XX/XX/2021. XXXX has never removed this from my credit report despite multiple attempts to contact their business office have failed. Transunion will not allow me to dispute this for some reason. This should be deleted for incorrectly reporting a balance of {$830.00} for over a year even after debt has been paid.
Product: Debt collection

I am filing a complaint against Fair Collections & Outsourcing, XXXX XXXX XXXX, XXXX  XXXX, XXXX, MD XXXX. They are the debt collections agency for XXXX at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX VA XXXX. 

I believe they violated the law by using deceptive and unfair collection practices and ignoring the 30 day period allowed for debtor response by mail. 

The first letter they sent to me in XX/XX/XXXX was an offer in writing with terms for me to satisfy the debt at 50 % payment {$660.00}, but also stated that it was " subject to change '' and I can only get a verbal final offer. I think this sets up the collections agency to be able to harass me over the phone, or do a bait and switch for settlement terms. It is my understanding that collections agencies are required to make all notices in writing and requiring a call violates noticing law. 

I responded in XX/XX/XXXX making them a counter offer of {$500.00} if they agreed to show the account as paid in full and remove it from all my credit reports. I agreed to pay them within 30 days of receipt of an acceptance letter. In return, they mailed me a letter stating that they would only take {$660.00} and it had to be received in their office within 15 calendar days. The assumption period for a debtor to receive a piece of mail is 5 business days, and the amount of time I have to respond is 30 days after the date of receipt of the letter. Demanding the letter be returned within such a short amount of time violates the CFPB allotted time period for correspondence. This was also in the month of XX/XX/XXXX when mail across the nation was delayed which creates an even more unreasonable burden which I noted in my response letter to Fair Collections & Outsourcing. I responded with another counter offer stating that I would pay the {$660.00} if they agreed to remove the collection from my credit reports, mark the account as paid in full and accept payment within 30 days of my receipt of their letter. The mailed me a letter agreeing to these terms. 

They deposited a check for {$660.00} on XX/XX/XXXX. As of today, XX/XX/XXXX, my XXXX credit report does not show the debt as being paid at all and my XXXX credit report shows it as being only partly satisfied. I specifically said I would only pay if it showed paid in full and fully satisfied. They mailed a written agreement to terms and have violated these terms. This the definition of a deceptive practice and they did not uphold their side of our written agreement.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report incorrect information listed on the account XXXX XXXX Account # XXXX. There are several late payments listed that are different from each consumer agency. Neither consumer agency provided evidence that supports their claim and I do not care who is right and who is wrong I do know reasonable efforts must be made to investigate the accuracy of all information. 

XXXX is reporting late payments for XX/XX/XXXX and XXXX + XX/XX/XXXX XXXX is reporting late payment for XX/XX/XXXX through XXXX to XXXX of XXXX Equifax is reporting late payments for XX/XX/XXXX and XXXX + XX/XX/XXXX. 

This account can not report this way and each consumer agency failed to provide accuracy which has caused me harm. I would like the evidence that they obtained to prove this information is correct. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I requested that an investigation be completed and verification be provided to me on several accounts. I was not provided that information within 30 days. The Fair Credit Reporting Act states that verification must be given to me that the information is correct on my report. Not simply an agent saying verified. The documentation must be supplied according to law. The accounts in question are : XXXX XXXX XXXX Idaho XXXX XXXX XXXX : XXXX . 

Under the FCRA Section 616/617 unverified information must be deleted immediately. FCRA 609 ( a ) ( 1 ) ( A ) Documentation is required to include a signed contract with my signature, and all account documents.

FCRA 611 ( 5 ) ( A ) States that without proper documentation these accounts must be deleted immediately. 

I have already been violated. Let alone this character defamation with these reports they couldnt confirm and now I have to carry around derogatory remarks that have lead to denials effecting my everyday life and creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX 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 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX XXXX XXXXccount Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been a member of USAA for 18 years. I received a letter today dated XX/XX/XXXX that my credit has been lowered to {$7100.00} on XX/XX/XXXX. The decrease is based on my credit score which they stated is XXXX. I make over $ XXXX a year and have other credit cards with balance and make monthly payments and have a great payment history but what USAA is doing is harming my credit abilities and damaging my credit since by lowering my credit limit from {$12000.00} to XXXX with a credit balance of {$6600.00}, my account now show I have a high balance which will now impact my credit score even more. I have been in the process of paying off this card for several months and not using it. I believe because I have only been paying the credit and not using the card this is why my credit has been lowered. Also, if I was such a bad customer then why every time I receive my statement it show that I do not need to make a payment. Well it is because USAA wants me to continue to drive up my balance and for them to make money off the interest. This company is breaching my fair credit abilities along with damaging my financial abilities and potential further job opportunities as a result of them lowering my available credit and hindering my credit score. This practice must be stopped and I feel they are breaking fair credit laws as well as fair lending. 
When I spoke to a representative on XX/XX/XXXX, she was unable to even tell me what my previous credit limit was and was extremely unhelpful. She couldn't even help me find my statement on the website.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, it states I was 30-59 days late on a payment for XXXX of 2017. I was late about 5 days, not the 30 days they are reporting, and the reasons for those late payments were the fact the contacted me 5 days after the due date to inform I didn't have enough funds for the payment in which I immediately went to my account to resolve the issue. Again, I have not been 30 days late on a payment, but they had reported it as such. as shown in the attachments, I have made a payment every month, but not in the lateness they have reported. And I believe each late payment may have shown in the next statement, hence why I attached 3 months to make reference of. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 I did not authorize these accounts. I have made a report with IDtheft.gov about these accounts. Attached to this complaint is my report.
Product: Debt collection

I got a letter in the mail started that I have an outstanding balance for XXXX XXXX in the amount of {$3800.00} that I do n't even know about, I currently have an account with XXXX XXXX at this time in good stand
Product: Debt collection

The accounts are paid in full I would like them removed from all credit reporting agencies.
Product: Credit reporting or other personal consumer reports

hello back on XX/XX/year> a letter was sent to Transunion disputing some information reporting to my credit that is not accurate. I have also not received any correspondance on them processing my request. I wish to have my voice heard please adv them that they are required to.
Product: Student loan

My Fed Loan Servicing as consistently mishandled my student loans since taking over my student loan process. In the last year I have had the following issues with the service provider. I believe that this service provider lacks accountability and oversight. The representatives do not take ownership for the lack of follow through and do not know the student loan process well. 

1. ( Current Issue ) I submitted a REPAYE request online and selected a one month forbearance during the time that my loan is being processed. I am currently making payments towards the Public Service Forgiveness program and will like to make continuous payments in order to avoid extending my payment length further. It has been over a month and my application has not been processed. I have made my {$5.00} payment and have received notice that my next month 's bill will be over {$1100.00} which I can not afford because the service provider has not processed my loan. 
2. For almost a year the # of qualifying payments for my Direct Sub/UnSub Loans have had different amounts of qualifying payments for public service forgiveness. I asked the servicer to reconcile these numbers because the loans were consolidated at the same time. The request had to be submitted multiple times. Finally the # was reconciled and it was reconciled to the lowest # of payments. Also, the servicer sent me another person 's loan information in the process which disclosed their personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a bill in the mail in XXXX XXXX for a XXXX XXXX XXXX  account unfamiliar to me. XXXX None of which Ive used or opened this account.
Product: Debt collection

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CAPITAL ACCOUNTS XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

CAPITAL ACCOUNTS XXXX
Product: Debt collection

Dear Sir/Madam I have purchased item from XXXX XXXX store as special financing and failed to pay off by the time promotional offer ended due to my income was only from part time job at the time. My job status changed after I had services done by XXXX XXXX Contractors, which led me into financial difficulty leading to unsuccessful in finish paying in timely manner. 

ACCT is with collection agency ( ATLANTIC Credit & Finance Inc. ) Phone # XXXX Starting Balance with Atlantic Credit was {$7200.00} Current Balance : {$6700.00} ( As of XX/XX/2019 ) Now I am trying to pay this acct off with help of relative who his trying to help me financially so I can come out of debt. I need your help with agency negotiation the one-time payment on this account. I have been unsuccessful in getting fully co-operation from the collection agency to help me out as I am struggle financially still. They won't reduce to less than {$4000.00} as a settlement amount, I am not able to pay {$4000.00}. 

I need your help to have Atlantic Credit to lower the settlement Amount. I am single person with limited and insufficient income to support myself. Therefore, I am requesting help from Consumer Protection Bureau in resolving this acct. 

This will help me improve my credit also. In last few months I have worked extra hours as much as possible so I can bring all my accounts current and keep up with all my bills. 
Please help me. 
I can be reached at XXXX or XXXX. 

Thank you so much for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have looked into my credit report with XXXX and they have false numbers, addresses, and show delinquent medical accounts that are showing they are in collections. And they are not. They will not remove or update these problems. Nor will they give me a copy of my full credit report. It is because of them that I have been turned down for credit in the past 2 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Transunion is governed by 15 USC 1681. Pursuant to 18 USC ( 8 ). I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681B ( 2 ). This company has also no permission to report anything using my info pursuant to 15 USC 1681 ( 4 ) Remove these accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

Problem Company : SPECIALIZED LOAN SERVICING Problem : I am paying my monthly loan payment in advance before hte date it is due and instead of crediting my loan payment to my loan as a monthly loan payment the company is crediting my payment as a " principal only '' payment and then when the monthly loan payment due date arrives the company is stating that they never received my monthly loan payment. Then, the company is marking me as not paid and is then charging me a " late fee. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several times on these accounts to be repaired in my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any information which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove the following items. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$50.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$850.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a attestation form for XXXX XXXXg car loans where taken out in my name under durest
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I started the process to dispute unverified information on my credit report as reported by the three major Credit Reporting Agencies ( CRA ) or bureaus, XXXX, Experian and XXXX. As of XX/XX/2018 and through 4 rounds of letters sent by certified return receipt, the items I disputed still remain on my credit file as unverified. Experian was the one CRA that would not respond to my 4th letter, stating they had previously processed my dispute and information was verified. I would like to submit this complaint on them for your investigation.