23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX , XXXX. has listed an alleged debt on my three credit reports which I have no firsthand knowledge of and no contract in existence proving the debt reported is legally valid. No solicitation of service was ever performed and no request for the services this organization provides was ever requested by me. I have sent four certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( receipt attached ) and XX/XX/XXXX ( receipt attached ) requesting verification that the alleged debt ( {$4400.00} ) is mine, including any documents bearing my signature agreeing to this alleged debt. XXXX XXXX XXXX , XXXX. has responded to the letters from XX/XX/XXXX XX/XX/XXXX with printouts of a bill and itemized documents ; however, they have just responded with a letter only to the request for signature validation on XX/XX/XXXX letter which also informed them that according to FTC opinion letter from XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. I have yet to receive any verifiable contract or document bearing my signature. I am requesting that since they can not provide indisputable proof bearing my signature of the alleged debt, that this account, including the Original Creditor ( RISE ) be removed from all three credit reports and that this collection agency cease and desist from trying to collect from me.
Product: Checking or savings account

Bank of America continues to charge monthly service fees. The account that I have has no monthly service fee I complained previously and problem was fixed amd fedund was issued and the next day monthly fee was again debted from my bank of America account this has been on going for months and despite bank of America notifying the FEDERAL TRADE COMMISSION AND CFPB that this issue has been corrected it hasnt and this is unexpected.
Product: Student loan

I received the following e-mail this morning XX/XX/2018 at XXXX XXXX  from XXXX XXXX XXXX. I have two loans through XXXX, only one was affected. 

***Past-due*** We get it, life happens and oversight occurs. We noticed that the payment on your education loan ( s ) from XXXX XXXX XXXX Loans is now at least one payment past due. 

If you have already made your payment, thank you. If you have overlooked making your payment, please send it promptly. You can make your payment online by visiting our web site at XXXX, you can call the number below, or you can mail a check to the address listed below. Check payments, made payable to First Associates Loan Servicing, should be sent in U.S. dollars drawn on a U.S. bank account. Please be sure to write your account number on your check. 

Mail Payments to : First Associates Loan Servicing C/O XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX Please note that under the terms of you loan agreement ( s ) XXXX XXXX XXXX XXXX may charge you late fees on any payment that is 15 days or more past due. 

If you are having difficulty meeting your scheduled payments, you may be eligible for assistance. 

We urge you to contact a servicing team member at XXXX, or visit our web site at XXXX for more details. Our hours of operation are XXXX XXXX  to XXXX XXXX  Monday thru Friday XXXX and Saturday XXXX to XXXX XXXX XXXX. If you have already paid your past due balance, please disregard. 

As required by law, you are hereby notified that we may report information about your account to the credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 

THIS IS AN ATTEMPT TO COLLECT A DEBT. ALL INFORMATION WILL BE USED FOR THAT PURPOSE. 


Sincerely, XXXX XXXX XXXX XXXX Customer Service *************************** ***ACTIONS TAKEN*** *************************** I logged into my account and found that the amount that I owed was {$5.00}. At the time I was setup for auto-payment through their customer website https : XXXX. I tried paying the amount owed through their website, but was unable to as I was setup on auto payment. I called their support number and the support person told me that the amount that I owed had gone up. I had them remove auto pay as their is no use having auto payment if the full amount owed isn't covered and have since paid the amount owed, I was not charged any late fees or penalties, however I think this is a rather deceiving practice and needs to be looked into. Note that this was the first e-mail that I received that the amount that I owed would be going up.
Product: Credit reporting, credit repair services, or other personal consumer reports

made it very very clear i have had medicaide since 2008 since being on XXXX there should be no medical bills in my name and i have XXXX co pay!
Product: Payday loan, title loan, or personal loan

On XXXX I took a loan from NET CREDIT. They directly deposited {$3800.00} into my bank. To date XXXX I've made 53 payments totaling {$5200.00}. The amount owed as of XXXX was {$3600.00}. The maturity date of the loan is XXXX where the total amount will be {$8900.00}. With a 235 % interest rate. That was not disclosed to me. This was the second loan I used NET CREDIT for. I paid off the first loan early so I didn't see any outrageous interest. I read an article that named them as the worst lender in VIRGINIA for over charging in hidden interest. They apparently don't disclose the total amount at maturity with the interest.
Product: Credit card

XXXX charges on my credit card I did not purchase. Card company said card was used but this is not possible as card was with me at all times and I was not near these places. I can get people to verify where I was an these dates. 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 XXXX XXXX
Product: Debt collection

This company, RRS, LLC called me multiple times using different numbers ( XXXX ) XXXX and ( XXXX ) XXXX with the same call back number ( XXXX ) XXXX. It was a recorded message stating that this was in regards to a legal matter. I should have researched the number before I called back. Big mistake on my part! I called the number XXXX/XXXX/XXXX and requested this company never call me again. I also told them I was reporting them to DoNotCall.org. I have already reported the first number. The comment was that this company works with them. First of several more lies to come. The man I spoke to is XXXX XXXX. He was very evasive and rude. I asked him to please tell me what this was about several times. He would mumble his words ; and when I would react and say " excuse me '', he would keep telling me to stop interrupting him. He then accused me of being rude and told me to stop talking to him like he was my husband, child, girlfriend, boyfriend or fiancee. He first said he was tasked to find me regarding fraud and that my parents were looking for me. The second lie. My only living parent knows right where to find me. He told me I am being charged with fraud in the State of XXXX. Third lie. I have not lived there in 13 years. The case number the message referred to covered about XXXX people, all of which he disclosed to me since I would not tell him my name. This was a trick to try and get my name. When he thought he had the right person, he said that was all he needed to know. Fourth lie. He said I am being charged with fraud for an account from XX/XX/XXXX from XXXX XXXX XXXX. I informed him I have no knowledge of such an account. I never acknowledged anything to him. Not my name, social security number or anything else. I told him I have never defrauded anyone. I also advised him that I am aware that any debt this old is no longer valid since it has exceeded the statute of limitations in any state ( 3 yrs in XXXX and 4 yrs in XXXX ). He said that there is no statute of limitations on fraud. The Statute of Limitations for Fraud in both XXXX and XXXX is 3 years. He rudely called me ignorant. I informed him I was not ignorant ; or I would not have known about statutes of limitations. He clearly does not know the meaning of this word. The last thing he said was " I will see you in court ''. I hung up at that point.
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, it's required to eradicate any incorrect accounts from my credit report. Could you please examine the documents? Some of the listed accounts seem to have inaccurate reporting.
Product: Checking or savings account

Trying to link my PNC account to XXXX XXXX XXXX for direct deposit grant disbursement. It says " We are currently experiencing connectivity issues with this bank. If you try to connect, it is unlikely to succeed. '' I would like to fix this issue and will call my bank during open hours tomorrow to see if they have fixed the problem.
Product: Debt collection

Ive made one attempt to dispute my debt, due to financial strain. I was informed that only one of my bills could be lowered and the other would stay the same and would need to be paid immediately. I was told that if I am unable to pay immediately the chance of getting my bill lowered to the same price would be unlikely. Im unfortunately still finincial unstable and paying those prices upfront isnt possible for me at this time. I would appreciate it if my bills were lowered and/or forgiven.
Product: Credit reporting or other personal consumer reports

I went to XXXX XXXX back in XXXX it was a college located in XXXX VA. 
I was XXXX XXXX and given XXXX  months in the XXXX XXXX XXXX. We reported this information and asked for aid and discontinuing money to go to the school. 

This School Closed in XXXX and would not respond to any of the letters that i wrote from prison. The loan company Navient also was non responsive and when I came home in XXXX I was stiffed with a bill that was outlandish. They said the school was received the payments while i was away Navient refused to help me rectify this and instead put me on some plan where combined like XXXX accounts from them and said i wouldn't have to pay however it sits on my credit. 

years later Navient sold my account with out my permission or any communication, to another company then Biden Administration asked about applications for student loan forgiveness i applied for that and now I'm being harassed by another company called XXXX. BUT HOW i was in prison and did not get to use my student loan i literally went in right after. how come now one in protecting me and why does XXXX college and Navient get to get away with keeping money that was not used for the student. For XXXX XXXX the School does not even exist anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

This constitutes a breach of 15 US Code 1681s-2, which outlines the obligations of entities supplying information to consumer reporting agencies. They have neglected to furnish me with written notice regarding the account before its inclusion in a report. Consequently, I insist that the account be expunged from my credit report due to my disagreement with the alleged debt.

Furthermore, they have transgressed my rights as delineated in 15 U.S. Code 1681b ( 2 ), which details permissible purposes for consumer reports. By reporting the account without my consent and misusing my social security information, they have run afoul of this code. Hence, as a victim of identity theft, the imperative of 15 US Code 1681c-2 is to block such data unless I provide explicit written authorization.

Per 15 US Code 1681a ( 4 ), consumer reporting agencies are bound to uphold my right to privacy. Regrettably, your organization has breached this consumer privacy right by publicly divulging this information without my authorization.

I urgently request the immediate removal of this account from my credit report.
Product: Credit reporting or other personal consumer reports

Please remove files this has been devastating to me and my Children. Please removes files and lock credit file. And place fraud alert for my protection.
Product: Credit reporting or other personal consumer reports

Already paid off half of the student loans not sure why its still on my accountb
Product: Credit card or prepaid card

My husband and I paid over $ XXXX to have a new floor and special grout installed in our new home. We prepaid all, as required and signed the contract that Home Depot does not in turn honor. I paid an extra {$700.00} to get the pattern laid called XXXX. To make a long story short-I was bullied and told that the installer would refuse to lay in this pattern. He instead left my house and job. After I called Home Depot regarding this-they called installer and told him to return. For the next 3 days he laid the tile. We also had paid another company to drop off base molding and paid to have HD install it also. They did horrible job at installation of the floor and baseboards. I have loads of pictures proving my case. Floor is horrible as is the base. HD solution : give me {$500.00} credit. Nope! So I am currently enlisting all agencies to help me dispute this home depot citibank claim for {$4700.00}.
Product: Checking or savings account

My account was closed on XX/XX/XXXX according to Bank of America by a letter I received through mail. however when I spoke to them to inquire about a refund I had received to the account the associate on the phone stated that there wasn't anything yet posted or received and that the account was still open but the account would be getting closed but as of than there wasn't an Exact date yet. I contacted bank of America on XX/XX/XXXX due to the fact that I had received a letter stating that the account was closed as of XX/XX/XXXX but there wasn't any cashiers check or anything mention about the funds being reimbursed. So now it is XX/XX/XXXX I have been calling for 3 days and now I am being told hat the account is open and that I have to wait until XX/XX/XXXX for the account to be re-closed for me to receive my money.
Product: Credit card or prepaid card

I contacted paypal today and was told they hold direct deposits for 1-2 pay periods. I receive ssi and if the hold my deposit, I will accumulate late fees in the amount of {$50.00} a day starting XX/XX/XXXX. My rent is due no later than 3rd. The representative I spoke with at XXXX confirmed this and so did a rep on their XXXX  page. Those reps on XXXX then proceeded to give me the wrong customer service number. The cash card I have is held by XXXX XXXX  for paypal, not netspend. What they told me today doesn't match what their website for the cash card says, please see it at https : //www.paypal.com/us/webapps/mpp/paypal-debit-card? kid=p50274079852 & gclsrc=aw.ds & & gclid=Cj0KCQjwqrb7BRDlARIsACwGad7D9Nc33dNhyvqz-MjKDUVC9k3Prmdst0KdXVtkHAwaTnCyOL29ZwYaAmk7EALw_wcB I was advised by the rep on the phone to contact social security and have them change my pay date but for this to be in line with PayPals terms, that would have to be 1-2 months ago and I didn't sign up for direct deposit through paypal until this month.
Product: Payday loan, title loan, personal loan, or advance loan

Check XXXX cash ( aka check XXXX cash ) XXXX XXXX XXXX XXXX az XXXX In XXXX XXXX In approx XXXX or XXXX of XXXX  I took a title loan against my XXXX XXXX truck. After XXXX payment I pd {$1000.00} on princial to lower payment. When next payment was due I went in to pay lowered payment. The co. Would not accept lower payment and had no record of my {$1000.00} payment. Within days after payment due my truck was repod. I never got notice of repo or any type of disposition as to wat happened to my repo. In reviewing my file I discovered in addition to repo... the original loan application I applied n signed for was denied and paperwork with a higher interest loan was done... one without my signature. They did the ol bait n switch on me. Within months after that the co. Switched owners. The new owner never contacted me about my account whom I already complained with. I know the new owner took possession of all previous accts because my friend had to resign for loan he had taken out under old owner. 

I don't know how to fix this. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Certified Letter was sent to Barclays Bank DE Certified on XX/XX/year> it was signed for with tracking number USPS XXXX on XX/XX/year> requesting verification of account bearing my signature. No response within the 30 day period. On XX/XX/year> I sent another letter tracking number USPS XXXX that was signed for on XX/XX/year> notifying that I had never received any accurate findings and they were in violation of replying in a timely manner as specified by federal law. No response within the 30 day period. On XX/XX/year> I also followed up with a letter tracking number XXXX XXXX that was signed for on XX/XX/year> that stated they did not add any notice of disputes for the letters received on XX/XX/year> and XX/XX/year>. They are in violation of the Fair Credit Reporting Act. I have copies of all letters sent and time stamped documents of these findings against this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : real estate never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : other account not mine XXXX FCRA Violation : hard enquiry not mine XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$330.00}
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : I recently started the relationship with you guys and kept a stellar payment and I ' shocked that you guys marked it late. 

XX/XX/2018. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Disputed Information from Credit Report Dear Sir/Madam, I am writing to formally request the removal of certain disputed information from my credit report. Since XX/XX/XXXX, I have been actively working to resolve these inaccuracies, but despite my efforts, the errors remain uncorrected. 
The accounts in question are listed with the following details : XXXX. Monthly Payment : {$120.00} XXXX. Date Opened : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Balance : {$10000.00} XXXX. High Credit : {$11000.00}, {$11000.00}, {$11000.00} XXXX Credit XXXX XXXX {$11000.00}, {$11000.00}, {$0.00} XXXX. XXXX XXXX : {$1000.00} XXXX. XXXX XXXX : Late 120 Days XXXX. Last Reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Date Last Active : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Comments : 1. Account XXXX : Dispute resolved ; customer disagrees 2. Account XXXX : Subscriber reports dispute resolved - consumer disagrees XXXX. Account XXXX : Consumer disputes after resolution The discrepancies I have identified include : 1. High Credit : * XXXX account lists the high credit as {$11000.00}, while the others list it as {$11000.00}. 
2. Credit Limit : * XXXX account lists the credit limit as {$0.00}, while the others list it as {$11000.00}. 
3. Date Last Active : * The dates last active are different : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
4. Comments : * The comments have slight variations in wording but convey the same overall message : * " Dispute resolved ; customer disagrees '' * " Subscriber reports dispute resolved - consumer disagrees. '' * " Consumer disputes after resolution '' * Additionally, the first XXXX comments do not mention that the accounts were closed by the credit grantor. 
I have taken the following actions to resolve these errors : XXXX. Contacted the credit reporting agencies and the creditors directly to dispute the inaccuracies on multiple occasions since XX/XX/XXXX. 
2. Provided supporting documentation and explanations to substantiate my claims.

3. Followed up with both the credit reporting agencies and creditors to ensure the disputes were being addressed. 
Despite these efforts, the incorrect information remains on my credit report, adversely affecting my credit score and financial well-being. I respectfully request that these accounts be thoroughly investigated and the inaccuracies be removed from my credit report. 
Attached are copies of my credit report highlighting the discrepancies for your reference. Your prompt attention to this matter would be greatly appreciated. Please inform me of the results of your investigation and any actions taken to correct the inaccuracies. 
Thank you for your time and assistance. 
Sincerely,
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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any ot
her adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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: Debt collection

Late XX/XX/2024, I received a call from my parents who live in XXXX ( my mother has the exact same name as me ). They had a process server come to their home and leave a court summons from Resurgence Legal Group for me. 

I called Resurgence on XX/XX/2024 and spoke to XXXX. I let XXXX know that I have not lived in XXXX for over 5 years AND the loan did not originate in XXXX. She told me that she would contact their attorney, XXXX XXXX and get back to me. I never received a call back or an email. 

On XX/XX/2024, I called again and spoke with an agent who told me that the only way to resolve the issue is to set up a payment plan. I asked for the court portion of this matter to be handled first, as I don't live in that state. He argued with me and I asked to speak to a supervisor. I was transferred to and left a voicemail. I called back again to see if I could get XXXX on the line. I was able to get in touch with her. She told me that their records show that an attorney spoke to me on XX/XX/XXXX. This did not happen. I pulled and attached cell phone company 's call record and I did not receive any calls on XX/XX/XXXX. I can provide a hard copy aside from the screenshot attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, # : XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions