23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Rent Recovery Solutions LLC XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Re : Debt Validation Request Reference Number:XXXX  Attention Rent Recovery Solutions LLC : I am writing to you regarding a debt that you have claimed I owe. I do not acknowledge this debt and am requesting that you provide validation as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Under the FDCPA, I have the right to request validation of the debt, and you are required to provide me with the following information : Proof that I owe the debt : Please provide the name and address of the original creditor, the amount of the debt, and an itemized statement showing how the debt was calculated. 
Verification of your authority to collect : Please provide documentation that you are legally authorized to collect this debt on behalf of the original creditor and a copy of the assignment contract that gives you authority to collect on this debt. 
Chain of custody : Please provide a complete chain of custody that shows the ownership and assignment of the debt from the original creditor to your company. 
Original agreement : Please provide a copy of the original agreement that I allegedly signed when this debt was incurred, which includes the terms and conditions. 
Your state license : Please provide proof of your license to collect debts in [ Your State ] and the date of issuance. 
The name and address of the original creditor. 
The date of the original debt and a detailed statement of the amount owed, including the principal, interest, fees, and any other charges. 
Copies of any contracts or agreements that I have signed, showing that I agreed to the debt. 
Proof that the debt is within the statute of limitations in my state. 
Evidence that you have the legal right to collect this debt, such as a copy of the assignment or purchase agreement. 
According to the FDCPA, 15 U.S.C. 1692g ( b ), while you are validating this debt, you must cease all collection activities, including reporting this debt to credit reporting agencies, until you have provided the requested validation. Furthermore, if you continue to pursue this debt without validating it, you will be in violation of federal law, and I will report your actions to the Consumer Financial Protection Bureau ( CFPB ) and my state 's Attorney General 's office. 
Please be advised that any attempt to contact me in any form ( phone, mail, etc. ) without validating this debt is a violation of the FDCPA and may result in legal action. 
I expect to receive your response within 30 days from the date of your receipt of this letter. Please send all correspondence to my address listed above. 
Thank you for your attention to this matter.
Product: Debt collection

I received an alert that a collection was opened on my XXXX report- Between XXXX XXXX, XXXX  and XX/XX/, a new account in collections was added to your report. The collection agency is CREDIT MANAGEMENT LP. The original creditor was XXXX XXXX XXXX. 

I do not know Credit Management LP or XXXX XXXX XXXX and do not owe them any money. As a result of this false collection against me, my credit score has dropped XXXX points. 

From my research Credit Management LP is a known scam organization.
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.

Equifax is govern by 15 USC 1861 and they violated my rights numerous times. I demand the accounts listed below be removed because, according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts below : XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX - XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen when Equifax was breached.
Product: Bank account or service

After seeing a promotion on my Citi credit card website, I saw that CitiBank targeted me for a promotion which selected Citi AAdvantage Platinum Mastercard holders and offered them XXXX AAdvantage miles if the targeted customers opened up a CitiGold checking account, made {$1000.00} in purchases, and 2 bill pays. 

I called Citi to opt in to the promotion, opened up the Citigold account, made all the spend limit purchases on the debit card for XXXX and the two bill pays - I did all of this and have yet to get my points, a proper response from Citi, and am being totally stalled. 

I have contacted Citi MULTIPLE times via phone, online messages, and chat. There has not been a proper response, and Citi even got the dates wrong and told me one thing and then another for their 'investigation ' into this matter ( I complained on XXXX XXXX, was told I 'd get a response in two business days, never did- contacted them again ... no response, said my complaint was on XXXX XXXX!!! ) I 've read reports online that this is happening to a lot of people, and it is a shame that Citi has swindled so many people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting debt validations of accounts that I saw on my credit profile. I received a letter back saying that they were validated. I am writing to dispute the verification of the accounts on my credit report. I recently obtained a copy of my credit report and found that the accounts in question, have been verified. However, I believe there are inaccuracies or discrepancies regarding these accounts. 

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 I request that you conduct a thorough investigation into the accuracy and validity of these accounts. I believe there may be errors in the reporting, and I would like to clarify and rectify any discrepancies that may exist. 

Please provide me with the following information pertaining to these accounts : XXXX. Documentation and evidence proving the accuracy of the reported accounts information. 
XXXX. Copies of the original signed agreement or contract between myself and the creditors pertaining to this accounts. 
XXXX. Detailed payment history for the accounts, including dates and amounts of all transactions. 
XXXX. Any other relevant documentation or information related to the verification of this account. 

I understand that, as per the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to my dispute within 30 days. I kindly request that you keep me updated on the progress of the investigation and provide me with a written response regarding the outcome. 

Additionally, if you find any errors or inaccuracies during your investigation, I request that you remove the disputed account from my credit report, as required by the FCRA. 

Please consider this letter as a formal dispute under the FCRA and take the necessary steps to rectify any incorrect information on my credit report. I appreciate your attention to this matter and your timely response. 

Thank you for your assistance.
Product: Money transfer, virtual currency, or money service

Hi good afternoon I ' ve been trying to reach out to someone for bout two weeks now my phone has been damaged an my account for the cash app has gotten messed up. its been two accounts that has been involved with XXXX. the first name on the account was XXXX XXXX XXXX XXXX XXXX sent me the XXXX amount on my account card beginning in XXXX cvv XXXX an i sent in of thev same card XXXX to make it add up XXXX the cash out button obviously didn't work so I couldn't cash out an my phone felled in the washer an now my money is stuck on cash app an the second on the account is XXXX same account buit email XXXX BUT NO ANSWER AN I DONT HAVE A PHONE BUT WHEN I CALL FROM OTHERS NO CALL BACK
Product: Debt collection

I have been getting calls from Superlative RM Debt Collections. They call using a DIALER system but 90 % of the time I wait on the line and there is no one there, it just hangs up. A few times I have waited and a representative comes on the line and asks me to verify my identity, I only verify my name and then ask what company they are calling from and then they hang up. Today I had a representative tell me the company name. I went ahead and verified my address and date of birth then asked what it was about. I am not familiar with the company he said. I then let him know I had not received anything in the mail and I had been trying to figure out who/what this was about. He said they would not mail anything else out. I said Im driving please just resend it and you can call me back 4-5 days later and we can discuss. He said no they were taking legal action. At that point I ended the call.
Product: Debt collection

Portfolio Recovery reported on the Credit Bureau 's that I owed a debt to XXXX XXXX. 

They stated that they have purchased this debt. I contacted them by Certified Mail on XX/XX/XXXX and again on XX/XX/XXXX requesting Debt Validation, all documents concerning this account including documentation that was furnished when they purchased the debt, along with dates of payments. 

They did respond but refused to issue and documentation concerning the debt. To my best recollection this debt was paid.
Product: Credit card

Discover pays 5 % cash back on certain quarterly categories and 1 % cash back on " Everything Else ''. For the statement ending XX/XX/year> I had no spending that qualified for the 5 % cash back but did spend {$30.00} during the period that qualified for the 1 % cash back on " Everything Else ''. 

The issue is that the calculation is incorrect. I only earned XXXX cents on the {$30.00} of eligible expenses when that number should have been XXXX cents ( rounded ). 

Although this is not monumental in money to me, this has been going on for months. To my knowledge, I've noticed the issue in XXXX. This is concerning.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE/DELETE/BLOCK FRAUDELENT ACCOUNT IMMEDIATELY ACCORDING TO FRCA XXXX.
Product: Student loan

I went through a financial hardship and tried to make a payment plan. Sallie Mae would not work with me. I would answer their calls and try to do partial payments until I was caught up. I was told I would have to make a full payment. I fell behind on payments as I tried to make the monthly payments and was told that I wouldn't be able to refinance and that I would have to pay for the full amount owed or they would send my loan in collections. I basically had to try to pay it back down or owe the full amount of the loan. I told them it was utterly impossible and they did not work with me. Deferment was not discussed with me. 

Also, they called my employer multiple times asking for me, three times after I told them to not use my work phone number as it could get me fired and then I couldn't pay them. Most of the representatives were rude and demeaning, even to the point of getting loud with me. 

The employees went as far to call my father ( who is not even on the loan ) and discussed personal information on the loan- which is illegal to discuss details on a loan to someone who is not a borrower. The employee even told my father that he was responsible to the payment on the loan and had to pay to make it current. My father knew he was not on the loan so he told them to discuss it with me and then he called to tell me what was said. They continued to harass him so I had to remove the number as one if my contact numbers.
Product: Credit reporting or other personal consumer reports

I recently noticed multiple inquiries from your company on my credit report that I dont recognize or remember authorizing. This has been extremely XXXX as its affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing a copy of my Transunion report I noticed an unauthorized credit inquiry being reported. The company listed below should n't have been allowed to access my personal credit information or put a credit inquiry on my file because they did n't receive any type of authorization from me prior to doing so. XXXX XXXX XXXX - Inquiry date ( XX/XX/XXXX2016 ) I am requesting the above unauthorized inquiry be removed immediately from my credit report. Again, I did n't authorize any employed at the above company to make this inquiry or access my credit report. Please remove the inquiry from my report as pursuant to 15 U.S.C. 1681b Section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act that states a consumer reporting agency shall not furnish to any person a record of inquiries in connection with credit or insurance transaction that is not initiated by the consumer. This is a breach of my privacy. I sent a letter to the above company asking them to remove the inquiry and 60 days have passed with no response or action taken.
Product: Debt collection

I received numerous phone calls and letters from XXXX XXXX about a debt I owed. I mailed a debt validation letter to the company about this alleged debt I owed on XX/XX/XXXX via certified mail and got a returned receipt with a signature that it was received in XX/XX/XXXX. It is now XX/XX/XXXX and I still have no response from them regarding validation of this alleged debt. This debt that does not belong to me is harming my credit scores. They had 30-45 days to respond. They have passed the required response limit. I need answers.
Product: Credit reporting or other personal consumer reports

Weekly, I receive letters for balance transfer from XXXX. This includes a balance transfer letter received today for {$7900.00}. Also today, I received a letter from XXXX stating they are unable to approve my application based on informaion received from Equifax. I attempted to make contact with both companies today and all I received were automated responses. I have worked hard to maintain my credit and this is where I take action. In reaching out to ethier company they are required to provide me with negative information that was used to deny an application pushe on me for a balance transfer.
Product: Debt collection

There is a derogatory mark in my credit showing up as Berlin-WheelerXXXX XXXX XXXX XXXX with a open balance of {$400.00} last reported XXXX XXXX, XXXX it says it was opened in XX/XX/XXXX. I have never opened an account with any creditor. I do believe this is identity theft and would like to get this resolved, this has impacted my credit and I have tried to dispute it many times and it still there. I have no way of opening any credit because this derogatory mark keeps showing up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a inquiry that I dont recognize at all. 
Under SYNCB. There is no amount. Date that was posted XX/XX/2019. I did not apply or do anything recently.
Product: Mortgage

By letter dated XX/XX/2023, Home Point indicated that the date for automatic termination of my PMI had passed but that my PMI had not been removed because I was not current with my payments at the time. 

By letter dated XX/XX/2023, Home Point mortgage indicated that my PMI had been removed effective immediately. The PMI is {$430.00}. For several days online, my monthly mortgage payment was listed as {$2200.00}. I made a couple of financial decisions ( i.e., purchased a car, rented out my condo for a lower amount ) because I relied on Home Point 's representations regarding my monthly mortgage amount. On its website, Home Point subsequently changed my XX/XX/2023 payment amount owed to {$2700.00}. I reached out to Home Point for an explanation of the change in payments, but they did not respond. 

Mr. Cooper took over my mortgage account effective XX/XX/2023. Mr. Cooper indicated that Home Point erred when it promised to cancel my PMI. Mr. Cooper is not honoring Home Point 's numerous representations regarding the cancellation of my PMI. 

My mortgage payment should be {$2200.00}.
Product: Student loan

I submitted a PSLF Reconsideration request on XX/XX/XXXX with case number # XXXX. It has been 8 months since any updates of this reconsideration and Mohela is telling me they have not received updates either. I have also been directed multiple times by Mohela to contact XXXX. When I connect with XXXX they tell me they can not see the status of the reconsideration request and can provide no information to me about it. They are telling me that Department of Education handles the reconsideration requests and that written decisions will be sent to me regarding the following payments : I am not receiving credit for payments made on my loans from XX/XX/XXXX - XX/XX/XXXX. My loans were originally placed on an In School Deferment for this time period, but I submitted a School Deferment Waiver form to XXXX XXXX to have this deferment removed from my account. XXXX XXXX approved this request and I have attached these documents to my complaint. During this deferment period I made several payments on my loans and have attached a copy of my payment history from my servicer.
Product: Credit reporting or other personal consumer reports

I have disputed several fraudulent account reporting on my credit report to XXXX and XXXX and returned result was less that XXXX minutes. I have asked several times for a proper investigation and I have yet to receive that information. Please note that the Consumer Financial Protection Bureau ( CFPB ) sued XXXX, the nationwide consumer reporting agency, for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 

This is not fair to my reporting. There is a XXXX credit card showing on my profile and I never applied or even had a card to have an account with them. There are several collections reporting that I dont know anything about I have submitted all my documents of identity and still have not gotten a proper investigation or outcome. Please advise this is unfair reporting and keeping me from living a normal life.
Product: Credit card or prepaid card

On XX/XX/2022 I opened a credit card account with Avant with terms advertised as {$1500.00} limits. I agreed to and opened the account with Avant doing a hard check on my credit. On XX/XX/2022, Avant reduced my credit limit to {$300.00}. Less than 3 months after opening my account, without cause or any changes to my income, employment, or enough time for Avant to evaluate my spending habits, my credit limit was reduced by 80 percent. 
I believe Avant is practicing misleading advertising to entice consumers to sign up for their credit cards, causing hard inquiry on consumer 's credit reports, and after sign up reduce consumer 's credit line to mitigate their risks. 
Avant did not state anywhere on their mailer nor their credit card agreement with me that they will reduce my credit limit after less than 3 months. Had I known this, I would not have sign up for their credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to make a Payment to  XXXX   XXXX , an old collection on my credit report. I informed the Credit bureau that the debt was in error and further that they had no recent history or activity of my account. I only found out about this company by looking at my credit report in the first place, NOT directly from the company. Further there is limited information on my credit report about this company. SO First last month I disputed that line item found on my credit report, However I was told it was valid, based only the word of the credit bureau ONLY and not on them presenting external verification that the tradeline was valid or active or legit fro m 3rd  party.     I resolved to test the validity of the tradeline based ONLY on the information found in my credit report by THIS credit Reporting company. I sent them a test payment to see if it would post to the account in question with this company using only the tradeline information in my report.     The result?   The Payment was returned . ( See letter  from company and attached returned check. ) They (  XXXX   XXXX   ) Informed me th ey no longer service my account. Therefore they are no longer actively or validly accessing my credit report to update it.     This means, They do n't have me a  s a credit collections client and therefore it should be removed as any attempt previously made to Validate was null and void, as it would of returned the same results : according to FCRA law [ 623 ( a ) ( b ) ].
Also..     That it seems the credit reporting agency didnt fully engage the furnisher of the tradeline at the time of the my first complaint, which seems not only erroneous but misleading, possibly an aggravated violation of the FCRA law.
Product: Debt collection

15 U.S.C 1681 Section 602A states i have a right to privacy 15 U.S.C Section 604A states a consumer reporting agency can not furnish account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have all violated my rights
Product: Credit card

I am an executive at XXXX and thankfully I 'm gainfully employed with an income exceeding $ 250k. My credit report was tranhshed due to late payments incurred for the months of XX/XX/2014-XX/XX/2014 on my Chase SouthWest credit card. The payments were missed due were missed by my due to an error that related to scheduled auto payments that I believed were setup with my bank. 
I also ended up travelling out of the country during this time, and was unaware of the issue of the missed payment. Ironically, Chase called me only once, at that time I was checking out through customs and being hurried and was not able to comprehend what the phone rep may have been saying. When I finally arrived back, I realized the delinquency on the chase account, after which I promptly made the account current. 

I had spoken to Chase 's customer service who had asked that I provide them with my bank statements from the time to prove I had sufficient funds to make the payment. I sent Chase statements from XXXX of my banks which showed my checking account balances were consistently over {$30000.00} during the period of the late payments. 

Much to my surprise Chase refused to remove the late payment, in spite of me providing them with the information they had requested.
Product: Credit card or prepaid card

CAP ONE NA ran an unauthorized hard credit check on my account on XXXX XXXX XXXX ran an unauthorized hard credit check on my account on XXXX XXXX XXXX is attempting to collect on a payday loan which is illegal in the state of Illinois.