23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX Aspen National Collections ( Aspen ) sent a collection letter in the amount of {$3800.00} ( original creditor : Vacation Village {$3100.00} plus Aspen Fees {$770.00} ( 25 % fees ) Aspen interest XXXX ). 
XX/XX/XXXX Consumers disputed alleged debt via email, within the required 30 days. Requested validation of debt including signed Contract and advised Aspen said fees in the amount of 25 % are erroneous and without validation. 
XX/XX/XXXX Aspen sent another collection letter in the amount of {$3900.00} ( adding additional fees ). Aspen and Vacation Village have not validated the debt as requested. Aspen failed to provide requested signed Contract showing it is allowed to charge erroneous fees, interest and/or collect any amount of alleged debt. Aspen stated it provided : 1 ) Warranty Deed showing responsibility to pay, Aspen did not ; 2 ) Bylaws showing responsibility. Said bylaws are standard from XXXX and not signed by and/or specific to consumer ; and 3 ) A copy of Florida Statutes that show your obligation to cover collection fees. Said Florida Statute does not show Aspen is permitted to charge unreasonable fees @ 25 %. Aspen used false, deceptive and misleading practices. 

XX/XX/XXXX Consumers disputed for a 2nd time via email. Again requested signed Contract. Aspen did not provide signed Contract. 
XX/XX/XXXX Applied for an auto loan and was denied. Requested a copy of XXXX credit report and discovers that Aspen has reported negative information on XX/XX/XXXX to husband 's report only. Disputed Aspens unvalidated report with XXXX and the negative reporting was deleted on XX/XX/XXXX by XXXX. Aspen was unable to validate alleged collection amounts due to Vacation Village and/or Aspens erroneous fees/interest totaling {$3900.00} ( {$880.00} of {$3900.00} is Aspens increased fees ). In an attempt to avoid statute of limitations, Aspen also reported an open date of XX/XX/XXXX to XXXX. Aspen is fully aware the open date is the date Vacation Village claims consumer 1st became past due of alleged debt, not the date Aspen 1st contacted consumer. 
- Aspen willfully violated the FCRA by reporting information it knew was inaccurate, misstating the balance due, reporting old debt as re-new debt and failing to notify consumer negative information was reported to XXXX. 
- Aspen willfully violated the FDCPA by attempting to collect a debt not expressly authorized in the underlying debt contract, using deceptive, unfair and unreasonable means to collect a debt and charging a percentage collection fee of 25 % that are erroneous and not authorized by contract or state ( s ) law. Aspen and Vacation Village are fully aware that a signed Contract does not exist between Vacation Village and Consumers. 
- Aspen willfully violated the FCCPA Fla. Stat. it referenced by threatening to enforce a debt it knows is not legitimate and assert the existence of a legal right when Aspen is aware they do not have the right. Vacation Village ( managing entity ) and Aspen have not provided signed Contract upon request as required by Florida Timeshare Act and Statute.
Product: Credit reporting or other personal consumer reports

Dear Vystar CU, I am demanding the removal of this following charge-off account listed VYSTAR CU ACCOUNT # XXXX OPENED ON XX/XX/year>. Charge-offs are considered as an income according to the IRS. Income can not be reported on my consumer credit report. This considered as an inaccurate account, and this is defamation of character.
Product: Credit card

To Whom it May Concern : I am very concerned that First Tech Federal Credit Union have violated the Fair Credit Reporting Act by placing a hard inquiry on my XXXX credit report without my consent. The FCRA permissible purpose provisions specify that you must document your reasons as well as my consent for placing a hard inquiry on my report or remove the inquiry. Please have First Tech Federal Credit Union provide documentation of my consent for any inquiries placed on my credit report or remove them immediately. 

Thank you, XXXX XXXX
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 1681. 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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was alerted through XXXX identity protection that someone had opened up A credit card under my name that I did not open. There was a credit check for XXXX XXXX  And it was not me, so there is fraud that I need taken care of so my credit score and identity do not get destroyed.
Product: Debt collection

On XX/XX/year>, I had a missed call from XXXX at XXXX XXXX. I returned the phone call at XXXX XXXX  and I requested that I not be contacted on Sundays. The individual said that she would complete a cease and desist for my number. Since then, I have repeatedly received phone calls and my most recent call was on Sunday, XX/XX/year>XXXX  at XXXX XXXX  from the number XXXX. Both numbers are registered as Portfoliorecov. This company is in violation of the FDPCA by repeatedly contacting me on a Sunday following my request to cease.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following student loan account is in DEFERMENT STATUS and should not reflect a late payment or negative. This is a violation against the FCRA. Why should they hold it against me? I disputed the accounts with credit bureaus for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score. CFPB please step up and fix this ASAP please Im looking to purchase a home DEPTEDXXXX   XXXX
Product: Money transfer, virtual currency, or money service

I bank with Bank of America I use XXXX to transfer money to friends or family I had a {$800.00} charge with XXXX I didnt make to a number I dont know and on top of that my account requires a security code to access I wasnt texted that either I requested the personal information of the person who stole the money they refused saying they couldnt provide it but they knew it I even said it was going to be used for a police report and they still didnt provide it
Product: Credit reporting or other personal consumer reports

Trough Credit Karma ( creditkarma.com ) they offer a variety of services on of them it's auto loans they offered me one option XXXX XXXX XXXX which when you go to their website it say 's it's a PRE-QUALIFICATION turns out XXXX XXXX XXXX doesn't give any kinds of loans or prequalifcation they send my personal private information to a XXXX dealership here in Colorado XXXX and XXXX without even speaking to me because I never replied to them I even replied STOP to their text messages They RAN A HARD PULL CREDIT CHECK ON ME THAT I NEVER AUTHORIZED I contacted Auto Credit Express they bounce me to Auto XXXX XXXX I contacted XXXX XXXX after many calls and over 2 weeks they finally replied back to me telling me to go to XXXX  XXXX XXXX This is ILEGAL I DIDN'T Authorize it and they ran a HARD PULL I Demand this to be corrected! and propper action taken against this people Companies involved Credit Karma , XXXX XXXX XXXX and XXXX XXXX in Colorado
Product: Credit reporting or other personal consumer reports

Company has violated code 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

Balance dates open and close are all inconsistent within all 3 credit bureaus completed hindering me from my fair rights.

I want all negative accounts removed and deleted in accordance with the XXXX  and fair credit reporting act and other laws outlined with the CFPB.

These companies are sending automated letters and have no addressed the complaint with no account attached please issue a complaint on the consumers behalf
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX, Texas XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the XXXX in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

as a resolution that all old addresses and personal information are renewed
Product: Money transfers

My complaint is about PAY PAL. 
Pay Pal charged my account about {$XXXX}. 
Pay Pal claimed this was a chargeback ( probably from a credit card company ) arising due to a 3+ month old transaction. I was told that the ( Ebay ) buyer had not authorized the purchase. There was no dispute about shipping, arrival or non-arrival of the item and the item was never returned to me. I believe that this dispute is between the buyer and the credit card company about an unauthorized transaction. I performed in good faith by shipping the item ( and I can prove it but choose not to do so ). Pal Pal is illegally taking ten dollars from my account. Pay Pal should exclude me from this dispute automatically. I should not have to provide any documentation ( shipping tracking information ) about the disputed transaction because there is ZERO evidence that I did anything wrong. Pay Pal should be restrained by XXXX from taking money from Pay Pal accounts when there is no evidence of wrongdoing by the account holder AND the account holder is NOT a party to the dispute.
Product: Debt collection

Company called from XXXX said they were with compass bank and that they are collecting on a loan that was depostited into my account in 2010. They had the last XXXX of my ssn. Rep said that if I did not pay by Friday they would come to my job and arrest me.
Product: Debt collection

CBB Shouldn't have any of my Medical records It's a H.I.P.P.A. violation. I have no clue who they are and I have zero CONtract or obligation. This is Identity theft.
Product: Mortgage

I can not get a decision from underwriting on a refinance and modification of the existing mortgage loan. I am requesting reduction in the monthly mortgage payment from the current rate of approximately {$1200.00} a month to {$800.00} a month and amortization of the current arrears on the loan and a lower interest rate on the mortgage loan.
Product: Credit reporting or other personal consumer reports

This is my complaint to TRANSUNION for taking no action on correcting and removing the fraudulent accounts including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC reports with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Checking or savings account

I opened a savings account online with XXXX XXXX and it wouldnt let me create a login after putting in all my information and scheduling a XXXX deposit from our chase checking account. I called numerous times and was told they see my profile and the pending deposit, so she said she reset everything and gave me a temporary user name and password, which still didnt work and she didnt know why, so she told me to wait a couple of hours then try it again. So I waited and still couldnt log in, so I called back and then I was told there is no deposit pending and to wait another couple hours. I told her I wanted to talk with a supervisor and got stuck on hold indefinitely. I hung up and called back and I got another person and explained everything and I told her to just cancel the account and cancel my electronic transfer, she told me it would take up to 3 days to cancel the account but ensured me my electronic transfer was canceled. This morning the transfer is pending in our checking account. After doing research on this bank EVERYONE has the same complaint. I called XXXX this morning at XXXX to put in a stop payment. This online bank is fraudulent and needs to be looked into. I am going to the bank this morning to make sure this doesnt go through. Also I tried logging into the account with the information they gave me and it still doesnt work.
Product: Mortgage

Me my wife applied for Mortgage loan at Bank Of America. They told me that they will give me the loan amount I asked if I buy a house in a certain zip code. I told them I want to buy a house in XXXX XXXX MD and specifically in Zip Code XXXX, XXXX and XXXX. They told me they will not give me a loan to buy in those zip codes. They said that they will give me a loan if I buy in certain zip codes only. We have excellent credit score, have assets more than the loan amount. The reason they don't want us to buy in those zip codes is that they said my wife have only one line of credit even she have more than 700 credit score which is excellent. For me I look it like this. Most poor people don't have more than one credit card ( line of of credit ) and they want those people to buy only in certain zip codes may be they don't want them to live in good neighborhood. 
The loan office is : XXXX XXXX. 
e-mail : XXXX Phone : XXXX His manger is XXXX XXXX e-mail : XXXX Phone XXXX. 
I talked to the manger and and he told me the same reason. Also the manger told me that even we have good income, good credit score and enough asset for down payment and so on, we are still risk borrower. We are XXXX XXXX and we emigrated to this country and we suspect that is the reason they don't want to loan to us. 
I have e-mail that I received from the loan officer for refusal to get loan in those zip codes. 
Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$66.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX  XXXX Balance : {$73.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Firstmark is reporting a balance and past due amount & collection account status every month for an account that was included in bankruptcy in XX/XX/2019 & discharged on XX/XX/2019. I have disputed multiple times, and to date the account has been removed from the other bureaus but still remains on XXXX. The account should have been updated on all of my credit reports to show a XXXX balance when I filed bankruptcy & then should have stopped reporting collection account status & a past due balance. No further activity should be reported on the account after that. 

I do not agree that I owe this debt & nothing in this correspondence is an acknowledgement of any debt.
Product: Payday loan, title loan, personal loan, or advance loan

Overview : In XX/XX/XXXX, I took out a deferred interest loan for {$16000.00} with XXXX XXXX XXXX, XXXX ( XXXX ) for XXXX XXXX installation. The loan had an XXXX " With Pay Deferred Interest '' ( WPDI ) promotion, which allowed for deferred interest if payments were made timely. 

Promotional Terms : Promotion Duration : 18 months, ending XX/XX/XXXX. 
Grace Period : Payments could not be more than 30 days late, or the promotional offer would terminate early. 
Events Leading to the Complaint : XXXX XXXX : In XX/XX/XXXX, XXXX payment was made 36 days late, exceeding the XXXX grace period, allegedly causing the promotion to terminate. 
Lack of Notification : Despite the promotional offer being terminated, the subsequent billing statements from XX/XX/XXXX to XX/XX/XXXX continued to reflect a " Promotional Expiry Date '' of XX/XX/XXXX, and showed the deferred interest charges as {$0.00}. 
The loan overview document from XX/XX/XXXX also showed a promotion expiry date of XX/XX/XXXX, and deferred interest not included in the total balance. 
XXXX of Accrued Interest : In XX/XX/XXXX, I contacted XXXX to get a loan payoff amount, but there was no mention of my promotional period having been terminated. 
In XX/XX/XXXX, I contacted XXXX again for a loan payoff amount, only to learn that the deferred interest promotion had ended over a year ago due to the late payment, and all deferred interest charges were now being included in the payoff balance. 
Had I been notified of the termination of the promotional offer at the time of the late payment, I would have paid off the loan to avoid accruing interest at 17.99 %. 
Impact of Lack of Notification : The lack of notification resulted in a significant increase in my loan balance due to the retroactive interest charges. 
The billing statements misled me into believing that the promotional offer was still active. 
Resolution Requested : Reinstatement of Promotion : Re-instate the deferred interest promotion and waive the accrued interest charges. 
Correction of Statements : Adjust my account to reflect accurate statements based on the original promotion. 
Supporting Documentation : Loan Overview Document ( XX/XX/XXXX ) : Shows a promotion expiry date of XX/XX/XXXX, despite the promotion being voided. 

Billing Statements ( XX/XX/XXXX- XX/XX/XXXX ) : Each statement reflects a promotion expiry date of XX/XX/XXXX, and XXXX deferred interest charges. 

Conclusion : The misleading billing statements and lack of proper notification caused significant financial harm. I am seeking fair resolution by reinstating the original promotional terms and correcting the accrued interest charges.
Product: Debt collection

XXXX XXXX XXXX was fraudulently opened in my name. Under a fake name and address opened XX/XX/2019 The last date of activity are both falsely incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

the year XXXX My husband and I financed a car for a relative and later found out the car was repossessed. After a legal fight and was found liable for the car AFTER we were told at the dealership we wouldn't be we decided to pay on the car. It was already on our credit reporting negative before we could do anything about it. XX/XX/XXXX we found out that the company would settle the debt for XXXX and was told it would not be on on credit if we paid that amount. They referred my husband and I told THEIR collection company to collect payment. That company assured us that it will be deleted once the account is settled in full. We then paid the account settled out in full and received a letter from the third party collection agency confirming deletion of this account from my husband and I credit. 15 months later 17 disputes via online 4 via us first class mail and several phone calls and it is still reporting When i spoke with them they said its nothing the can do about what their third party company said. This is deceitful practice and to this day it is still reporting negative charge off. My integrity and credit worthiness has been jeopardized because of this deceptive practice to accept money for a balance owed on an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX have been reporting a debt collection account, ( XXXX XXXX XXXX ) as open since XXXX XXXX. This account has been closed since XX/XX/2022 written off by the original creditor. I have sent multiple dispute letters on XXXX requesting to remove the incorrect account not being in compliance with the FCRA. They have allowed this debt collection to remain causing adverse action and affecting my ability to obtain financing. This has caused me financial hardship.