23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This case is relate to CFPB XXXX XXXX : XXXX MOHELA has again issued me past-due notices in error. I submitted my monthly payment of {$840.00} on XX/XX/2024 to be withdrawn from my bank account on the due date of XX/XX/XXXX. My bank information shows that my payment cleared on XX/XX/XXXX. On MOHELAs website, it shows that MOHELA is still processing this payment. Yet MOHELA sent me XXXX past-due notices on my account and shows that I owe {$1400.00} by XX/XX/2024. 

Aside from deceptively showing that I am past due on my account, the statement is also inaccurate in that it does not accurately show how much interest and principal I have paid since my last statement. 

In addition to this latest incorrect past-due notice, MOHELA issued XXXX past-due notices in error in XXXX and XXXX past-due notices in XXXX. While it corrected past-due status on its website, MOHELA has never sent me corrected invoices. This is a deceptive and confusing practice and I have no official statement from MOHELA correcting its gross errors. I am very concerned that MOHELAs gross negligence and incompetence will negatively impact my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$730.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two incorrect things on my credit report, in the experian app it shows that my outstanding debt is {$1500.00} but when I log into my chase app it says that, yes, my total balance is {$1500.00} but my available credit for XXXX of my open accounts are {>= $1,000,000} and and my credit usage 996 % and that I used {>= $1,000,000} of {>= $1,000,000} which is 100 % of that. 

The other error is that with my Barclaycard whose credit limit was {$1200.00}, I called them right before they closed my account and they never checked their call logs to see that I did call them and they listed my account not as Credit Grantor can not locate consumer
Product: Credit reporting or other personal consumer reports

Ive paid this loan off and its still on my credit reports with equifac and XXXX  I want this removed please
Product: Debt collection

I have asked NUMEROURS times for this company to send me VERIFICATION with MY signature authorizing THEM to have a contract me me, to owe this debt, and each time was sent a statement with my name, birth date, and debt owed ( This does not verify my debt ) The original company has written off this debt, and I have been in communication with them over this, I DO NOT OWE this debt.

They can not verfity it because of the simple fact of HIPPA law in which my signature and medical issues were not disclosed. ANYONE can get my info and say I owe a debt. I want this collection OFF my credit reports ( all three bureaus ).

VALIDATION and VERIFICATION are two totally different things and this company has YET to show me PROOF that I woe this debt to them ( I do not owe this debt to them ) If this is not off my credit reports as deletion, I will take legal action against this company for the continued letters/phone calls/ and not being able to verify this debt belongs to me OR me and this company has written contract stating i owe the debt to them ( meaning a SIGNATURE on the debt or between me and them ) I will take full legal action against them. 

I want this off my report ASAP, and no future letters/calls/etc. I am not the only consumer who has been repeatedly contacted by this company. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Bank Of America, This is specifically for BANK OF AMERICA # XXXX with fraud account with Charge-off Balance : {$1100.00}. I've attempted several times to remove this account from the XXXX credit report because i never opened this account nor did i use {$1100.00} on it. The other credit bureaus have removed this account but your company failed to remove it. F
Product: Debt collection

You've paid off 44 % of your collection amount. 
Balance {$2200.00} Highest Balance {$4000.00} Opened XX/XX/2015 ( 2 yrs, 8 mos ) Account status Open Type -- Responsibility Joint Remarks Placed for collection Original Creditor Name XXXX XXXX APARTMENTS **I WAS UNAWARE THAT THE COLLECTION WAS SENT TO A COLLECTIONS AGENCY. WE MADE ARRANGEMENTS WITH THE LADY IN THE FRONT TO TAKE CARE OF THE CHARGES. WE LEFT HER OUR FORWARDING ADDRESS. WE WEREN'T TOLD OR GIVEN NOTICE THAT THE CHARGES WERE BEING SENT TO A COLLECTIONS AGENCY. THE COLLECTIONS AGENCY CALLED AND DID NOT STATE THAT THEY WERE CALLING IN AN ATTEMPT TO COLLECT A DEBT, THEY DID NOT VERIFY MY IDENTITY BEFORE THEY STARTED TALKING ABOUT MY ACCOUNT. THEY GAVE INFORMATION OUT OVER THE PHONE WITHOUT GETTING CONFIRMATION THAT ITS THE CORRECT PERSON ON FILE. I WAS NOT GIVEN ANY PAPERWORK LETTING ME KNOW OF THE RIGHT TO DISPUTE DEBT.
Product: Debt collection

Requested debt validation from LNVN funding with no response to have alleged debt validated. This account appear on my credit report without my knowledge after researching it shows to have come an account that was previously disputed and removed from my consumer report by XXXX XXXX I have attached the document. I then sent a request to LVNV to verify the account and to provide me with the sales agreement accounting ledger my consent to pay them on the alleged debt my signature their license number so I can investigate further to see if they are authorized to collect in my state and to swear under perjury and still till this day I havent received any response or the information requested as I have the right for request validation by law. This behavior is totally unacceptable and this company and its past alleged practices are beyond mind blowing and feel they are above the law. My rights have been violated according to the fdcpa. I never gave LVNV funding permission to buy my non public information nor consented to LVNV funding that I agreed to do business with them. Also when I submit my request to XXXX have the account reinvestigated XXXX over looked the fact that the account was removed from my report and updated the accounts and closed the investigation with properly confirming the allegations. There were no statement form sent there was no investigation information provided such as the name address phone numbers nor the way they confirmed the information which is a violation according to the FCRA which states identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. Was NOT provided if XXXX would have done an actual reinvestigation they XXXX would have seen that the account was removed by the original creditor. XXXX also refused to provide me with the information requested including my complete file disclosures and my written certified signature with my consent. I am asking for this account to be removed from credit report and a free copy of my credit report via mail as I have requested all communication via US Mail and no other with tracking to show proof that the information has been mailed to my address on file. This is unfair practices on both parties involved and reflects that both LVNV funding and the credit reporting agency believe they do not have to abide by the laws in place that governs both the fdcpa and the FCRA.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Collection XXXX XXXXXXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Collection XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} Late/Open XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I am in need of help because i am being harassed by a debt collector who is repeatedly calling and writing me letter even though they have taken action to sue. 

I have the letters that has been written and sent to my address. I'm with the XXXX XXXX XXXX XXXX. 

My name has been Trade Marked and XXXX, I have set up my common law for my name XXXX XXXX XXXX and XXXX XXXX XXXX. I also put my name in the news paper to claim my status of XXXX year of age with the Minnesota XXXX rule ( ucc ) you can look my my name up.

15 U.S.C 1692F says a debt collector may not harass or annoy debtors, and may not threaten debtors with arrest, and may not threaten legal action.

But most importantly my XXXX out trumps everything and my Minnesota XXXX rule ( ucc ) is right behind it and if the do not stop harassing me, I will have no choice but to get my XXXX Lawyer.
Product: Credit reporting or other personal consumer reports

CONSUMER XXXX CO HAS THIS ACCOUNT AS A COLLECTION ACCT FROM XXXX WHICH IS NOT MY ACCOUNT IT IS FRAUD. 

FTC TO BE ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ford Motor Credit is showing a late payment ( 30,60 day late ) on all three of my credit reports. The loan was opened XX/XX/XXXX and paid in full by the insurance company. The original loan amount was for {$79000.00}. XX/XX/XXXX & XX/XX/XXXX show to be missed on my credit reports. I spoke with Ford Motor Credit in XXXX of XXXX explaining to them that I was in a serious car accident hospitalizing me for several months. Due to the Corona Virus outbreak being so new and unknown to everyone at the time, everything was shut down. The insurance company was unable to visit the site where the vehicle was towed too in order to confirm the vehicle was a total loss until two months later. Once they confirmed, they paid off the vehicle in full. While being hospitalized during this time, I called Ford Motor Credit to explain the situation. The response given was due to the Corona outbreak, we understand most businesses are closed and will not report any late payments while we wait for the insurance company to pay off the vehicle. This was not the case. They reported the late payment to all three credit bureaus. I called them afterwards and they refused to remove the negative reporting.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by your agency. Your agency has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Debt collection

I received a letter from Healthcare Recovery Group ( HRRG ) dated XX/XX/2019 stating that they're collecting the debt of a balance of {$1100.00} owed. Now, I didn't receive the letter until XX/XX/2019 so after reading the letter I immediately wrote a debt dispute letter. I mailed the debt dispute letter certified XX/XX/2019 and they picked it up XX/XX/2019 and part of the letter I wrote I goes like this " I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. '' From them receiving my letter on XX/XX/2019 on up until XX/XX/2019 I am still receiving phone calls everyday multiple times a day and yet still no validation. From my understanding, by law they're supposed to stop all debt collecting activities once a dispute is in place until it's validated or it will be considered harassment.
Product: Debt collection

The company of Calgary SPV I, LCC are try to collect on an expired debt, the original date of despute of the credit card debt is XX/XX/XXXX. Original debt was with XXXX credit card. No attempt to try to collect the debt thru court action was made until XX/XX/XXXX.The company is now making a false statement that I paid a payment of {$25.00} which would change the status of the debt from expired to current and they are now filing to garnish my wages ... ..no such payment was ever made.
Product: Credit reporting or other personal consumer reports

On XXXX of 2024 I received a from the Bankruptcy Court stating it does not communicate with credit reporting agencies on behalf of a party or debtor. With that being the case how could they possibly verify my Bankruptcy as 100 % Accurate? They failed to meet their obligation to do a fair investigation according to 15 USC 1681.

15 USC 1681 Section 603 ( 3 ) ( E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times According to 15 USC 1681 Section 602 A which states : I have the right to Privacy According to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission.

According to 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person has reasonable cause to believe the information is inaccurate. 

** any implied consent is hereby REVOKED **
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX - They claim in XXXX of XXXX someone named " XXXX XXXX XXXX opened a credit line of {$4000.00}. 

This is FALSE : - At the time of XX/XX/XXXX, I was XXXX XXXX XXXX. 
- I was a XXXX. 
- Also my name is " XXXX XXXX '', - My last name is one word " XXXX '' XXXX, they have the incorrect name. 
- XXXX did verify that the account was not mine and took it off of my account with them. Yet somehow XXXX refuses to take it off of my account. 

I have never, nor has anyone in my family, had any credit line with XXXX XXXX. It says someone paid off parts of this credit line and used some of it, that was not me. As, again, I was a minor and " XXXX '' is not my last name. By the way, I got my first ever credit line at the age of XXXX in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern I have discovered a Hard Inquiry on my personal credit report that is fraudulent. I was told by the credit organization Equifax to contact the company directly to dispute the error. I did to no avail, as the company known as XXXX  XXXX XXXX XXXX XXXX XXXX, IN XXXX denied my claim. I returned the dispute to Equifax and they too are not willing to remove the error. This is clearly fraud. I have no interaction with the this company nor have I ever requested any services from them ever. I have previously been a victim of identity previously. This Hard Inquiry posted as of XX/XX/2021.
Product: Debt collection

On XX/XX/2022, I received a debt collection notice from IQ Data for a debt of {$91.00} supposedly owed to my former apartment, XXXX XXXX XXXX XXXX. On the same date, I spoke with XXXX XXXX via telephone, who stated that I was paid in full and the debt must have been sent to collections by mistake. We moved out of XXXX XXXX on XX/XX/2022, and were not notified of any outstanding balance. 
The {$91.00} fee is question was paid to XXXX XXXX on XX/XX/2022, the day we became aware of the charge in our online account, and before we received a bill for the charge. 

On XX/XX/2022, I requested a letter from XXXX XXXX stating that this debt was mistakenly sent to collections. I received the letter from XXXX XXXX stating we did not owe any debts. 

On XX/XX/2022, I sent the Park Place letter, screenshots of my online portal payment on XX/XX/2022 of the fee in question, and a personal letter to IQ Data explaining that this is not a debt that I owe to Park Place. 

On XX/XX/2022, my wife, XXXX XXXX, also received a debt collection notice for this fee from IQ Data. On XX/XX/2022, I contacted XXXX XXXX via email requesting them to notify the debt collector of their mistake in sending this to collections. 

On XX/XX/2022, I received a phone call from IQ Data, who asked me to confirm my refusal to pay this debt. I explained the situation to IQ Data and stated I sent them the required documentation to dismiss this debt via mail on XX/XX/2022. IQ Data stated they had not received my letter and requested that I email it to them. I emailed them all documents that I had previously mailed.
Product: Credit card or prepaid card

I have complained directly to the bank, XXXX XXXX, as well as XXXX before. 3 times Ive mailed a payment and they charge a late fee and it miraculously posts that evening. Most current, my bank mailed a check in XX/XX/XXXX, payment was due XXXX. On XXXX I filed a complaint with XXXX and said in the complaint the payment would magically appear after a late fee. They apples a {$40.00} late fee XX/XX/XXXX and posted the payment the next day. They also reversed payments that were cashed from my bank, theyre bank drafts and claimed they bounced. This scam I am sure runs deep, myself I have had 1 payment and 3 times a late fee charged and then the payment applied as soon as the fee was charged, each payment mailed a week before due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed hard inquires on my credit files that were not me nor were they authorized by me. I have called to get them taken off the credit beruas and they have not. I did not sign for these accounts and did not give permission for them to pull my credit. Under the Fair Credit Reporting Act- I have the right to fair and accurate credit reporting to my credit file. The following accounts are on XXXX as hard inquires XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX I'm not sure why capital one keeps pulling my credit. they always send me letters in the mail stating I'm pre-qualified for a credit card and i have never ONCE applied for them. As for XXXX, I don't even know who that is and why would anyone apply to the same consumer that close together? 

This was my original complaint, company responded with a letter stating I spoke with someone on XX/XX/XXXX. I know in fact I did not, and if that is what you are claiming you need to provide me with written proof and my signature on file gaining permission to pull my credit. I have had fraud on my account, and it is not uncommon for someone to call and act like someone else. Under the FCRA you may be able to pull credit via " a permissible purpose under the Fair Credit Reporting Act ( FCRA ) to obtain your credit report. '' But also, under the FCRA, you have to provide me with accurate proof that it was me, my signature. If you can not provide it, you must delete it as you have to be 100 % true and accurate.