23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a natural person/not a third party company I contacted portfolio recovery associates LLC Regarding an alleged debt claimed that I owed. An consumer defined in the FDCPA is obligated or alleged obligation same meaning as the word debt. They failed to provide me 5 validation that constitutes that validates a debt pursuant to 15 usc 1692g the first time they contacted me. I requested 5 validation of the debt for them to provide to me
Product: Debt collection

Took out a payday loan and paid it off in full in XXXX 2014. I called the company directly after I received the collection call and verified the account was paid off. Someone called today claiming to be from XXXX XXXX firm. Told me theat my account was delinquent and that I needed to pay ~ {$600.00} or there would be legal action. This individual knew my name, email, and social security number. I did not pay anything to this individual and was instructed to call them back today or else risk the legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX /  XXXX     XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  To Whom It  May  Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below :  Item Reason for Deletion   XXXX   XXXX   &amp; Navient Loan  where turned over to  Navient a nd then the department of education.     According to the provisions of the Fair Credit Reporting Act 6 11 ( a )  [  15 USC   XXXX i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.     Please notify me that the above items have been deleted pursuant to  XXXX   ( a  ) (  6  ) [  15 USC     XXXX    j ( a  ) (  6 )  ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of  612 [ 15 USC  XXXX j ],   there should be no charge for this report.     If you have any questions or need additional information, please contact me at address noted below.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX , IA  XXXX  Social Security #  XXXX   XXXX  XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to formally notify you that I have been a victim of identity theft. This letter serves as a formal dispute regarding the following accounts. Following the steps advised by the companies involved, I have directly contacted each of them and initiated the necessary procedures. Additionally, I have filed an identity theft report with the XXXX. I am now formally disputing the information contained within these accounts and kindly request your assistance in resolving this matter. Thank you for your attention to this issue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had a loan for a used XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX wrote a letter that the entire balance on our loan was due and that we should call them asap to resolve the matter and that they wanted to work with us. The subject line of the letter stated " Payment options available for your account ending in xxxx - action requested. '' They " charged off '' the balance the same date as the letter. They gave us zero time to pay this balance, which we paid the entire amount of {$2800.00} in two payments, including their fees of {$940.00} within that month. ( See documentation ). It is true that we were behind on our payments, but my husband was in contact with XXXX XXXX regularly to make arrangements to make payments. 

Our contention is that we were given no chance to remedy this before it was charged off, and a large part of the charge off is their fees, which we believe is illegal. Their correspondence clearly states they have payment options available and want to work with us. A few of the credit reporting bureaus are showing that this account is a charge off and we owe {$1800.00}. This is not true, we paid the balance in full including their fees by XX/XX/XXXX and have the title to the car in our possession. If any consolation, this was right around the busy holiday season and should be taken into consideration. 

In talking to XXXX in the office of the president at XXXX XXXX XXXX XXXX, she informed me that calls were made to my husband or myself, in which we were notified that this account was going to be charged off. Neither my husband nor I, received any phone calls. I asked XXXX if she had proof of this and she said I would have to subpoena them for this information. We are not litigious and do not know how to do this, and should not have to do this. 

Attempts to remedy this dispute with the credit reporting bureaus and XXXX XXXX, have proved futile. What XXXX XXXX has done charging off their fees, we believe is illegal, and they gave us no time to actually take care of this obligation. 

We respectfully request a full investigation into this, and that they credit reporting bureaus be notified that this account has been paid in full and that the charge off be removed. There is no sufficient reason a charge off should continue to appear on our record for up to 7 years, when this was paid within a month of notice of acceleration. In addition, the months of XXXX and XX/XX/XXXX, at least one credit reporting agency shows a FP or failed to pay. This is incorrect and attempts to have this changed have not been corrected.
Product: Credit reporting or other personal consumer reports

XX/XX/2024, I received my consumer report and found items that are reporting negative. My information has been involved in a data breach and someone has been using my personal info for their gain. 
Please delete this account immediately, because it is affecting my mode of living and is hindering me from obtaining housing. It is causing me mental and health issues. Please investigate and delete the account below from ALL consumer reports for good. See attachments for police report as evidence of my claim. 


1. ) XXXX XXXX XXXX 2. ) XXXX XXXX 3 XXXX ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was denied a bank account with XXXX XXXX  due to accounts and transactions that were furnished to my XXXX XXXX XXXX consumer report from TD Bank. After having XXXX XXXX XXXX investigate the accounts, they confirmed that the information furnished by TD Bank was not XXXX XXXX complete, accurate, or verified ( I have proof in the attachments ). Under The Fair Credit Reporting Act the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The inaccurate reports caused damage to my financial reputation and humiliation. Also, this information should have never been in my consumer report in the first place because pursuant to 15 USC 1681 ( 2 ) ( A ) ( i ) a consumer report containing information solely as to transactions or experiences between the consumer and the person making the report is prohibited, especially without my permission.
Product: Debt collection

Letter from Synergetic Communication, Inc. 

XX/XX/2019. Attempt to collect a debt by a debt collector. 

Original Creditor : XXXX XXXX XXXX XXXX Balance Due : {$610.00} Settlement offer : {$150.00} Payment must be received by :XX/XX/19
Product: Debt collection

I've contacted this company. 
I sent out a debt validation letter and they will not respond to me it has been pass 30 days with no response. I'm very upset about this. 
I also this account as opened in 2014, statute of limitations is 7 years before you go reporting inaccurate information on someone's report.
Product: Debt collection

I received a letter from ( supposedly ) from AvanteUSA claiming a debt of {$96000.00} from XXXX. I called XXXX and they have no idea where that amount came from - that the amount I owe is {$940.00}. That is not even the amount pending with the insurance. I tried to call the number on the letter I received but the call will not go through - it appears to be a fake number. ( This debt is for treatment for my husband, who passed away recently ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX has violated my rights. 

XXXX Account # XXXX XXXX has violated my rights. 

XXXX  Account # XXXX XXXX has violated my rights. 

XXXX Account # XXXX XXXX has violated my rights. 

XXXXt Account # XXXX has violated my rights. 

XXXX Account # XXXX XXXX has violated my rights. 

XXXX XXXXt # XXXX XXXX XXXX violated my rights. 

XXXXt Account # XXXX XXXX has violated my rights. 

XXXX  Account # XXXX XX has violated my rights. 


15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1618c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antecedents the report by more than seven years. 15 U.S.C 1618 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

USAA is not being fair when it comes to their overdraft policy. They are letting funds hit your account on purpose when the funds are short. for example i made a deposit to cover my transaction and they are still telling me tha t they accurately collected a fee from me.
Product: Credit reporting or other personal consumer reports

submitted a dispute to the XXXX XXXX  where the errors appeared. I did this [ online/by mail/by phone ], ensuring I included all relevant information and supporting evidence. 
In my dispute, I clearly identified each incorrect item and explained why it was wrong. I also referenced XXXX XXXX. 
XXXX XXXX to emphasize the importance of protecting my personal information and ensuring accuracy. I also have proof from the court of XXXX XXXX that they do not provide credit reporting agencies verification information on consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  business credit report for my small business states I have a delinquent account for {$2500.00} in which the business or I have never taken out a loan or even owe anything as far as credit, loads or anything. I believe this to be fraudulent and improper. There are trade lines on my credit that also arise from this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 
Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a dispute request proof of debt on XX/XX/XXXX and XX/XX/2023XX/XX/2023
Product: Credit reporting or other personal consumer reports

This Account Doesnt belong to me please remove : creditor : 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 XXXXXX/XX/XXXX THESE ARE NOT MY ACCOUNTS PLEASE REMOVE THANKS
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX Customer Service Department Experian Information Solutions , Inc . 
XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX Dear Sir/Madam, Re : Formal Complaint Regarding Experian Lawsuit I am writing to express my concern regarding the recent lawsuit against Experian. I have been a customer of your services for a considerable period, and I was alarmed upon learning that Experian is currently facing legal action due to potential mishandling of consumer data. 

As a company that prides itself on providing reliable credit reporting services, I trusted Experian to safeguard my personal and financial information. The news of a lawsuit raises significant concerns about the security of my data, and I am seeking clarification on the measures that Experian is taking to protect its customers in light of these legal proceedings. 

I am requesting the following : A detailed explanation of the nature of the lawsuit and how it may affect customers like myself.

Information about the steps Experian is taking to resolve this matter and prevent similar issues in the future. 
A clear outline of how my personal information has been safeguarded throughout this process. 
I expect to receive a timely response to address these concerns. As a customer, I have a right to feel confident in the security and integrity of the services you provide. 

Thank you for your attention to this matter. I look forward to your prompt reply. 

Sincerely, XXXX XXXX
Product: Student loan

Mohela is making me recertify my IDR plan ( PAYE ). The loans transferred from XXXX to Mohela 's system and they did not implement the IDR recertification extension based on FSA guidelines and the covid forbearance Cares Act. I had been previously approved for a payment of {$270.00} effective XX/XX/2020 while with my prior servicer, but upon the transfer Mohela increased my payment to {$2100.00}. 

They are blaming XXXX for not sending the information and asking me to reapply when they can just request for the information to be sent by XXXX. It is the servicer 's responsibility to have that information. The link for the covid forbearance and IDR recertification is below and attached to this complaint as well : XXXX Relief : Income-Driven Repayment Plans | Federal Student Aid XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX data breach
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of hard inquiries and negative items listed on my credit report in accordance with the Fair Credit Reporting Act, specifically 15 USC 1681. Upon reviewing my credit report, I have identified several hard inquiries and negative items that I believe are either inaccurate or incomplete. Under the Fair Credit Reporting Act, I have the right to dispute any information that does not meet the legal standards for accuracy. I kindly request that you investigate these inquiries and negative items and remove them from my credit report if they are found to be unverifiable or otherwise inaccurate
Product: Debt collection

On XX/XX/year> The Receivable Management Services reported a closed collection with ( paid in full, was a collection ) as the status, on my credit report. Knowing full well that they did not collect a debt for the original creditor. Any debt owed was paid to the original creditor.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$830.00} XXXX  XXXX XX/XX/XXXX {$3400.00} XXXX XXXX XXXX XX/XX/XXXX {$13000.00} XXXX  XXXX XXXX XXXXXXXX {$310.00} XXXX  XXXX XX/XX/XXXX {$440.00} XXXX XXXX {$310.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XX/XX/XXXX {$240.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

RMP LLC I am writing to dispute a medical collection that has been placed with RMP LLCy on my credit report. I am requesting an itemized bill for the charges in question, as well as any additional information that may be relevant to this dispute. 

I understand that medical billing can be complex and errors may occur. As a medical billing advocate, I would like to work with you to resolve this issue and ensure that the charges are accurate and fair. 

In order to assist me in this process, I am requesting that you provide me with an itemized bill that shows the charges for each service provided, including the date of service, the codes used, and the fees associated with each code. I would also appreciate any additional information that may be relevant to this dispute, such as proof of insurance coverage or payment.
Product: Checking or savings account

On XX/XX/XXXX, the XXXX issued an order against Bank XXXX XXXX, XXXX, which is a national bank headquartered in XXXX, North Carolina with branches and ATMs located in XXXX states and the District of Columbia. When a consumer writes a check or authorizes an XXXX transaction to a merchant or other payee using their deposit account at Bank of America, the merchant or other payee may then present that check or ACH authorization to the bank for payment. Until XX/XX/XXXX, if a consumer did not have sufficient funds in their account to pay for the transaction and the bank decided not to pay it, XXXX  XXXX XXXX assessed the consumer a {$35.00} non-sufficient funds fee. Merchants commonly re-present these returned transactionsthat is, they again try to receive paymentoften multiple times. For many years, XXXX  XXXX XXXX assessed non-sufficient fund fees on ACH and check transactions that it returned unpaid even though it had already assessed a {$35.00} fee for the same ACH or check transaction that it had previously returned unpaid ( i.e., repeat non-sufficient fund fees ). XXXX  XXXX XXXX would assess these repeat non-sufficient fund fees potentially as soon as the next day after the initial transaction. From XX/XX/XXXX until XX/XX/XXXX, XXXX  XXXX XXXX generated hundreds of millions of dollars in such fees. The Bureau found that XXXX  XXXX XXXX assessment of repeat non-sufficient fund fees was unfair in violation of the Consumer Financial Protection Act of XXXX. The XXXX order requires XXXX  XXXX XXXX to refund all repeat non-sufficient fund fees that it collected since XX/XX/XXXX and has not yet refunded, totaling approximately {$80.00} XXXX in redress. The bank must also pay a {$60.00} XXXX civil penalty to the XXXX. The XXXX of the Comptroller of the Currency ( XXXX ) concurrently issued an order against the Bank separately fining it {$60.00} XXXX. 

USAA Federal Savings Bank does the same thing with assessing non-sufficient fund fees on XXXX or check transactions that it returned unpaid even though it had already assessed a {$29.00} fee for the same ACH or check transaction that it had previously returned unpaid. I have been a member for approximately 25 years and this has always occurred. At times, I called and asked that they refund the fees per the second transaction and, at times, they did. However, this is and was an ongoing issue with USAA Federal Savings Bank and just like with Bank XXXX XXXX, this needs to cease. I have complained before because I believed that money was taken from my account, fraudulently, over the years. However, USAA never goes back over 1 year to investigate and then in XXXX of XXXX, USAA is fined {$140.00} XXXX for bad money laundering controls. Regulators say the bank, which mainly serves XXXX military members, failed to keep track of its customers suspicious activities despite repeated warnings that it needed to improve.
Product: Debt collection

XXXX posted a collection on my credit report and they have never contacted me regarding a bill. I still to this day use XXXX and have never been told even when i have an appointment. I called them and they stated that they would check and return my call. Two weeks later i called again and was told the same thing. To this day i do not know if I owe a debt or not. If i still use them you would think that they would tell me.
Product: Credit reporting or other personal consumer reports

LexisNexis allowed a company called XXXX XXXX to add fraudulent information on my consumer credit report. This information from this company is not valid and I have written this company several times to demand that they remove the fraudulent information from my credit report, yet the information still remains. I contacted LexisNexis to remove the fraudulent information, however the information still remains on my consumer report.