23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Attention : Consumer Complaint Division XX/XX/XXXXXXXX, IA XXXX Subject : Complaint Against Complete Credit Solution for Violations of Consumer Protection Laws Dear Sir/Madam, I am writing to file a formal complaint against Complete Credit Solution for their continual violations of consumer protection laws as outlined under the Consumer Financial Protection Bureau ( CFPB ) regulationhe specific violations are as follows : 1. **Lack of Validation Information Provided** : According to 12 CFR 1006.34 ( b ) ( 5 ), Complete Credit Solution has failed to provide the required validation information after placing a collection on my consumer report. As per this regulation, I am entitled to receive information about the debt they are attempting to collect, yet this has not been furnished. 

2. **No Opportunity to Dispute Account** : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I should have been given an opportunity to dispute the account. Complete Credit Solution has not provided me with this opportunity, infringing upon my right to contest the validity of the debt.

3. **Deceptive Practices** : The agency has been using false, misleading, and deceptive means in their operations, violating my consumer rights. The abusive practices employed by Complete Credit Solution contravene the guidelines set forth to protect consumers from such undue harassment and misinformation.

4. **Unauthorized Furnishing of Information to Consumer Reporting Agencies** : As per 12 CFR 1006.34 ( d ) and 15 USC 1681s2 ( 7 ) ( A ), Complete Credit Solution has no authority to furnish any account information to consumer reporting agencies without providing all the legally required disclosures. Their non-compliance with this regulation has caused adverse effects on my credit report. 

I am requesting the CFPB to rigorously investigate these violations and take all necessary measures to ensure Complete Credit Solution complies with all applicable consumer protection laws. The unlawful actions of this collection agency have recklessly endangered my financial status and personal peace of mind. 

Please acknowledge receipt of this complaint and keep me informed about the progress of this investigation. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I am still pending a complaint by Synchrony Bank re : them illegally charging interest they aren't entitled too and messing with my pay-in-full balance. Low-and-behold, after I send the complaint through the CFPB, they reduce my credit limit on that account. I believe this is retribution. Why can't you guys help me?
Product: Debt collection

Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX set aside the Judgment. XXXX XXXX also stated that the statute of limitation 's was up and the debt from XXXX could not be collected by any other means. On XXXX XXXX I received a call from Zwicker & Assoc 80 Minute XXXX XXXX, XXXX MA XXXX trying to collect the XXXX debt. I told them about the ruling of XXXX XXXX and faxed a copy of Certificate of Service they said they would review the document. The firm North Carolina phone is XXXX XXXX. They have no legal right to try to collect the debt. I faxed the documents to XXXX XXXX at XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have being paying a 3rd party company that is associated with XXXX. They have a total of 5 payments from me. I have talked to the main company XXXX ( XXXX ) and they do n't recognize or see 2 of the payments that I have sent ( XXXX XXXX, XXXX in the amount of {$120.00} and XXXX XXXX, XXXX in the amount of {$180.00} ). On my credit score it still shows that I have missed/late payments from XXXX. I have talked with the 3rd party company repeatedly and they continue to hang up on me. I do n't understand how these payments are not positively reflected on my credit score. XXXX is the ONLY company that is damaging my credit score by inaccurate information. I have sent in 2 letters containing both dispute letters and my credit report that they have asked of me and still my credit score is not fixed by the problems they have caused. On my credit score it shows that XXXX through XXXX I have late or missed payments. This is inaccurate. They received 2 payments in XXXX, one XXXX XXXX, one XXXX XXXX, one XXXX XXXX. They have a total of 46 late/missed accounts on my credit report. I only have 5 accounts with them. I have tried to talk to XXXX and the 3rd party company associated with XXXX and I am having a hard time to rectify this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

Bank of america stated that edd closed my edd account as of XX/XX/2020 However EDD was still paying me on the EDd account up until XX/XX/2020 - Bank of america will not speak to me or release my money -
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  for a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I am disputing a collection account with reference number XXXX, which was reported under the name XXXX XXXX XXXX. This is not my legal name. My full legal name is ngel XXXX XXXX XXXX. 

This discrepancy violates 15 U.S.C. 1681e ( b ) of the FCRA, which requires credit reporting agencies to maintain procedures to ensure maximum possible accuracy. It also violates 15 U.S.C. 1681i, which gives me the right to dispute any inaccurate or unverifiable information and have it deleted immediately if it can not be verified.

I am requesting CFPBs involvement because both the original creditor and the collection agency failed to report accurate personal information. This account was assigned to a name that does not legally belong to me, and there is no valid documentation linking my identity to this debt. 

I do not authorize any correction of the name. This information is inaccurate from the start and must be permanently deleted from my credit report as required by law. 

Attached to this complaint are the following documents : A copy of the letter sent by XXXX XXXX XXXX XXXX XXXX XXXX showing the incorrect name A copy of my government-issued ID with my correct legal name A utility bill as proof of address I respectfully ask the CFPB to investigate this matter and provide a written response with the outcome of this complaint. As a consumer, I trust my rights will be protected under the FCRA. 

Sincerely, ngel XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently viewed My credit report and saying fraudulent activity on my credit report. 
Is hindering my ability to obtain credit.
Product: Vehicle loan or lease

XXXX XXXX XXXX located in XXXX XXXX, named me as a Co-signer on a vehicle approved by Credit Acceptance. I did not sign nor was I informed about any of this. I have never purchased a vehicle at any Auto Dealership nor have I ever attempted to purchase a vehicle at a Dealership due to the unjust and life ending amount of interest Child Support and the XXXX as well as the XXXX XXXX system has attached to a monthly child support payment a incredibly bias Commissioner has ordered me to pay. The amount has exploded to a ridiculous amount as I was unemployed at the time this was apparently was written in stone. My license was then suspended by the XXXX. The amount owed is certain to automatically deny any attempt to assume the role of a Co-Signer of a vehicle loan. I currently do not understand at how this was approved. Yet at the time of XXXX to XXXX my information was attached to Credit Acceptance which was without my knowledge.
Product: Credit reporting or other personal consumer reports

On XXXX I sent a dispute letter to Equifax to dispute the inaccurate and outdated information on my consumer report. There were way too many variations of my name, address, and phone number. So many that there was no way that the information was even questioned. This inaccurate and outdated information is in violation of 15 USC 1681 ( e ) ( b ). In Nelson v Experian Information Solutions , Inc. The Bureau and the FTC filed an amicus brief with the U.S. Court of Appeals for the Eleventh Circuit arguing that the Fair Credit Reporting Act 's requirement that consumer reporting companies investigate consumer disputes applies to disputes concerning personal identifying information, such as names, address, and Social Security number information. Equifax failed to respond to the dispute in 30 days. Equifax has failed to fulfill its obligations under the FCRA. Specifically, that that inaccurate information remains on my consumer report and no response has been issued to me in response to my dispute. I continue to suffer financial, reputable, emotional and mental harm because I am not deemed a credit worthy person with all the inaccurate information being reported by Equifax. I have not received a response to date.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 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, credit repair services, or other personal consumer reports

I checked my credit report after finding out someone stole my identity. There were fraudulent inquiries on my report that I didnt authorize. Ive contacted transunion numerous times disputing the inquiries with no luck! Please help me!!! It goes as follows : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

This a copy of a letter sent it to care credit and XXXX  to to dispute my charges, I dispute those charges several times, if Im not seeing any fixing for my report I will file a complain against care credit and XXXX  agency, also I down load my XXXX full payment. ( Care Credit Cared. I`m sending this letter to inform Care Credit that I have been trying to contact you several times to dispute the amount Care Credit Bank that I owe. I opened the account at the doctor office back in 2012, doctor office was not clear with me that I have to pay the total balance in 6 months, I spoke with Care Credit customer service that I will make monthly payments, they agreed to that. the High limit was {$850.00}, I paid total {$1000.00}, attached payments history. I`m asking Care Credit to contact credit Bureau to up date my file as paid in full ). please consider my request urgent. Thank you!!
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I had filed a 3rd complaint with the company about this ongoing issue. I filed a complaint with XXXX as well since my paid off mortgage was removed from my credit report. I will be attaching the response to this for supporting evidence. XXXX indicated that your company XXXX Mortgage told them to suppress my paid off mortgage from my credit report which is inaccurate. There was an error in the system that marked that my mortgage was 30 days past due and you all have indicated that was invalid and provided me with documentation supporting that it should be removed, however XXXX will not add it back stating your company must reinsert to my credit report. I would like it reinserted on to my report ( taken from suppression ) correctly and to show that I WAS NOT LATE!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I 've received numerous calls from the company about a payday loan that they said I took out on XX/XX/2015 ; which is false. The first agent on XXXX/XXXX/15 said that they have video footage of me walking into a store and taking out a loan never paying on it. I took out a loan 2 years ago and it was paid on. He said that a sheriff will serve me if I did n't pay {$460.00}. I did not pay. On XXXX/XXXX/15, while working I kept receiving unknown calls and I answered and said nothing and I heard a lady say fine I will keep calling all day. She called several times in a course of 3 minutes. I finally answered, and she said that a sheriff will serve me court papers today at my home and job for my coworkers to see. I told her that she was harassing me and asked for her information. She gave me XXXX XXXX, with a fake number, no address, and fake docket number. I later called back to get their address and they refused to give me their address. I have not received anything by mail informing me of this debt, just threatening phone calls.
Product: Debt collection

XXXX XXXX XXXX XXXX  SS # XXXX XXXX MAILING ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX TODAYS DATE XXXX Dear, CREDIT MANAGEMENT LP I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I'm requesting this * because I have had different companies reach out to me about the same alleged debt. ACCOUNT NAME : CREDIT MANAGMENT LP Account XXXX I am requesting immediate deletion of all prior reporting made to my consumer reporting agencies, XXXX, XXXX, XXXX and XXXX is, you must cease collection efforts until this alleged debt is validated.you must show proof that you legally own this alleged debt and that it is accurate and complete SINCERELY
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Student loan

I submitted my PSLF Certification before the XX/XX/2022 deadline to take advantage of the PSLF Limited Waiver Program. Mohela calculated that I had a total of XXXX qualifying payments. Nevertheless, Mohela attached a letter sent via secure message stating I was " not eligible '' for forgiveness despite exceeding the threshold of XXXX qualifying payments. I do not know how many other consumers have received erroneous letters from Mohela. I believe these letters are deceptive under Federal law and request an investigation or examination into the matter.
Product: Debt collection

To whom it may concern, This was a charge from years ago and could be even past the point of collection time. 
However, I had an XXXX XXXX Account through XXXX Bank now owned by XXXX XXXX to the best of my knowledge. 
I used it for a few years and always paid on time. 
Then there was a charge on my account for over 300 dollars and was shocked. 
I had used the card for services but the amount I was told was literally half of that. 
I immediately called the Credit Card company and told them the charge amount and so they credited me the amount of the over charge. 
I than paid the amount the was actually agreed to. 
After their investigation, they decided to put the double charge or overcharge back on. 
I even connected with XXXX XXXX and they offered me a credit in that amount. 
I did not make that charge or was over billed and no idea how that amount was able to transact. 
I know for a fact that I did not sign for that amount. 
My actual maximum balance I could charge was XXXX  that alone was over that amount, how could that charge even go through? 
I even paid the amount that I actually agreed to pay that resulted in a XXXX balance. 
I then asked that they close down the account as it still had my maiden name on it as well and could not get them to remove or correct it. 
I was upset and confused to then receive a bill back for the amount disputed. 
I wrote to them, I called, I did everything I could do as a consumer to get this taken care of. 
Meanwhile, they continued to charge fees and late charges and then finally closed it down. 
Then on top of that and knowing there was an issue sent it to Midland Credit Management. 
Ive asked them to send me my disputes that I have sent through to the company. 
All they sent me was a bunch of Terms and Conditions. 
They tell me via phone that this is all they need to send to me. 
The charge now they want me to pay is XXXX  in charges for a charge that was double the amount agreed to. 
It has been several years now, and hoping for some guidance on what I can do to resolve this issue if possible. 
Im hoping maybe if the CFPB looks into this than maybe one of them will be more apt to assist me in resolving this. 
But because Ive never received anything from the original creditor except statements, Im not sure how I could have even report this to the authorities. 
I need the evidence of the signatures and how this was able to be charged. 
Especially a charge over my credit limit and a card not in my legal name. 
Any help on this would be appreciated.
Product: Student loan

In XXXX the Pennsylvania Higher Education Assistance Agency notified me about recertifying for the income-driven repayment plan. I completed the form and mailed it, along with supporting documents, on XXXX XXXX. I called in early XXXX to check on the status, and was told I needed to fax it which I did on XXXX XXXX. In XXXX I began receiving late notices and on XXXX XXXX at XXXX XXXX. I spoke with XXXX who said to disregard the notices. On XXXX XXXX at XXXX XXXX I spoke with XXXX who asked me to refax the forms and documents, which I did. Then, on XXXX XXXX, XXXX told me to not make a payment until I received an invoice for {$5.00} ( which I have yet to receive ). Meanwhile, I continued to receive late notices. On XXXX XXXX at XXXX XXXX. XXXX said there was some mix-up, put my account on administrative forebearance, and said she would resolve it. On XXXX XXXX I spoke with XXXX who told me to ignore the enormous interest bill and just wait for the invoice for {$5.00}. She said sometimes they take a while to get processed. However, on XXXX XXXX my bank account was debited for {$4300.00}, after many representatives said just to wait for them to correct it. I spoke with XXXX at XXXX XXXX. XXXX XXXX, who told me to resend the request for the {$5.00} payment. And once again my account was placed on administrative forebearance. Meanwhile the interest charges are skyrocketing and this mess is still unresolved. I have once again been placed on forebearance. All I ever requested was a reduced payment due to a change in circumstances. It does not seem like it should take almost a year to process this.
Product: Debt collection

Their staff is unprofessional and they use malicious intent to collect money that does not belong to them We do not owe these people nothing Please help
Product: Debt collection

I am writing to bring to your attention the presence of fraudulent accounts on my credit report, causing considerable distress. Upon reviewing my credit report, I discovered unauthorized accounts and transactions that I did not initiate or authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies pose a significant threat to my financial well-being and overall creditworthiness. I kindly request the immediate removal of these fraudulent entries to restore the accuracy and integrity of my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was already in the rehabilitation with the Department of Education. However, they never remove it out of collections. It has a negative effect on all 3 credit bureaus. I was was informed in writing if I complete the program the negative remarks will be removed from my credit report. Also, I was never informed about the forgiveness program. My due process was never given to me. For example, no one never explained the Income Based Repayment Program. Based on my income my payment will XXXX amount and the negative items would of never been on my credit. In fact, I would of been in an excellent situation regarding my credit!