23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2023 I received a letter from a Debt Collector agency under the name of Amsher Collection Services Inc. ( XXXX. # XXXX ) trying to collect a debt that I disputed in writing on XX/XX/2023. By that date no report have been made to the main credit bureus agencies until today XX/XX/2023. Amsher Collection Services have been advise in writing that Im disputing this debt withing 30 days they must to obtain a verification of the debt and any attempt to collect any debt without validating it violates the FDCPA and they did it as an act of bad faith reporting inacurrate information due they reported after receining my dispute. Also, I ask for their licensed to collect debts in the State of Florida but as today, i never recived any answer from them.

their client is XXXX  which allegates equipment wasnt returned after I close an account with them. I sent them a copy of the shipping label from XXXX that they printed out for me in their store.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX 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 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 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 other 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Portfolio Recovery Assoc added two derogatory marks on my credit reports per XXXX XXXX along with XXXX XXXX, one in the amount of {$680.00} and one for {$950.00}. My request for the debt to be validated and sent to me was not resolved which I requested certified mail in XX/XX/2021. Upon further research, this account was transferred/ sold, and I am no longer responsible for this account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to FCRA PORTFOLIO RECOVERY assoc has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I have never lived at this address and this is fraudulently placed on my credit report and background reports when I try to get hired for employment. I do not have the funds to hire an attorney to find the parties who fraudulently places this record on my reports. The address listed is below. 
I have never lived or rented at the address below and believe I am a victim of identity theft or falsly accused of using this address. 
Please help me remove any record of this address below because creditors are using this address on my file and potential employers can also view this address. 

XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Student loan

On XX/XX/XXXX, I received an electronic communication from the US Department of Education, informing me that my student loans have been forgiven in full by the Biden-Harris Administration . This forgiveness is effective as of XX/XX/XXXX. 

This communication contains the following statement : If applicable, well process a refund for any payments made towards the loans listed above after the effective date of this forgiveness. 

My student loans servicer is Aidvantage. 

My student loans were enrolled in automatic payments with Aidvantage. As such, I continued making automatic payments towards my student loans, uninterrupted, until XX/XX/XXXX. 

My student loans account with Aidvantage shows a number of Payment Reversals which were applied to my student loans accounts between XX/XX/XXXX and XX/XX/XXXX. 

The total amount of these Payment Reversals is : USD {$3100.00}.

I have been trying to contact Aidvantage for the purpose of learning the meaning and status of these Payment Reversals. To my understanding, I am entitled to a refund in the amount of USD {$3100.00}. 

I have been unable to reach Aidvantage at their Customer Service phone number. 
They do not answer their phones. 

On XX/XX/XXXX, I contacted Aidvantage Customer Service via email, inquiring about the status of my Payment Reversals and the status of my student loans refund, if any is applicable. 

As of today, XX/XX/XXXX, I have not received an answer to my email inquiry. 

Also as of today, XX/XX/XXXX, I have not received a refund from Aidvantage. 

Attachments : - Printout of Aidvantage student loans account payments history, showing payment reversals applied as a result of the Biden-Harris Administration student loans forgiveness. 
- PDF printout of Aidvantage 's email acknowledgment of receipt of my written email about the status of my Payment Reversals and Refund.
Product: Student loan

Due the excessive cost of earning my XXXX XXXX, I had to take out a private loan to cover the cost of tuition and fees. The private loan lender that I initially utilized to cover the expenses was Navient. My original interest rate on that XXXX  loan XXXX as high as 12 %. The high interest caused the payment to continually compound the debt. In addition to my credit, Navient also required me to have my brother co-sign this loan on my behalf. Based upon the settlement Navient deceived its borrowers about requiring co-signers information. I feel as though I may have been impacted and affected with that decision as well as my brother 's credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is listing 13 hard inquires on my credit report illegally. Be advised that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. If you conclude that the inquiry listed is verified, I request details of your method of verification. 
Please mail me an updated copy of my consumer report within 30 days of receiving this letter. Should you not delete the above unauthorized credit inquiry, I may refer this matter to an attorney.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Product: Debt collection

I recently checked my credit report and I saw Monterey Collection Services for the amount of {$420.00}. 
I dont know this company I never done business with this company this company doesnt have any written signature of mine or any kind of contract with me.
Product: Money transfer, virtual currency, or money service

PNC will not allow XXXX to synch with my banking accounts at PNC.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate accounts, addresses, and names listed on my credit report.
Product: Consumer Loan

My auto loan service provider refuses to follow specific instructions regarding applying additional loan payments to the principal instead of next month 's payment. I have sent instructions via AutoPay from my bank and called to ask that my payments be applied to the principal, but that still has n't been done.
Product: Credit card or prepaid card

XXXX XXXX accidentally overcharged my account on XX/XX/2020 by charging me XXXX $ I called them and they told me to contact my bank ( Bank of America Prepaid ) and they would be able to reverse the transaction. So I did on XX/XX/2020 after waiting on the phone for literally 2 hours they finally answered and it was a miracle they were able to resolve my issue almost instantly. My money was returned and I was so glad cause I desperately needed my money for rent and my car payment and was gon na turn the cable on for my grandkids. And suddenly my account was closed!! Completely closed without warning at all via phone nor email nor written just out of the blue CLOSED!! The money that had got returned to my account was actually supposed to get deposited into my personal account being that I have setup reaccuring transfers setup and instead they kept my money that was set to go to my personal account and now Im stuck with no money and no answers. I called Bank of America and they tell me call my sponsor which is California XXXX and I call them and my account is open with them with no warning no red flags nothing. Please help me asap
Product: Credit reporting or other personal consumer reports

The Credit Bureau did not send me back any verification information about the court verifying the bankruptcy which is reporting to my Experian and XXXX. I submitted a letter that stated the court of the XXXX XXXX XXXX Illinois does not report bankruptcy to the credit bureau and asked them to remove it. They sent no verification information from the court with the referenced bankruptcy XXXX XXXX XXXX XXXX  IL XXXX and on XXXX reported dismissed XXXX XXXX XXXX XXXX XXXX XXXX  This is misinformation as I have no Bankruptcy in XXXX XXXX Neither of the organization provided documentation from the court of the northern district. There letter states they do not report to credit Bureau and I am asking for them to remove it from my file immediately.
Product: Credit card

I opened a secured credit card with this company. I ended up having deposited about {$450.00} on that SECURED CREDIT CARD. Meaning, this was my money that I put in there. Well, I had my card on there so that deposits would automatically come out ( {$20.00} a month ), and those payments came out perfectly fine. Now, I also had my card on there for my PAYMENTS to come out automatically. So please explain how my deposits would come out perfectly fine, but the payments were unsuccessful? Ill tell you why, because if the payments fail, they can charge you late fees. So it got to a point that I ended up paying around {$150.00} in late fees, and had a balance of {$35.00} in late fees left. So I just just said you know what, I want to close the account, give me the money that Ive paid into it and Ill close the account. Well they refused. They said I had to pay the late fees in order to get my money back. I responded by saying, if the late fees are {$35.00} and I have {$450.00} in the account, just take the {$35.00} and give me the balance. Well they kept THE FULL {$450.00}, AAAAND charged me late fees for the {$35.00} late fee that was on there. It got up to {$130.00} in LITERALLY ONLY LATE FEES, and this was after they kept {$450.00} of my money! All for {$35.00}! Now, theyve reported me to the credit bureaus as delinquent, all for late fees. When again, they kept {$450.00} of my money! They got the late fees x10! This company needs to be shut down, and it needs to be removed from my credit report!
Product: Credit reporting or other personal consumer reports

These late payments are inconsistent with my established payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit through XXXX XXXX website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, XXXX  and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed a FTC report which has been ignored by you. I sent a handwritten letter on XX/XX/XXXX. My attorney advised me what to do moving forward. I will take further action if they are not removed immediately. XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XX/XX/XXXX
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. 

Account name : XXXX XXXX  Account numberXXXX 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 other 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: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX5 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, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Checking or savings account

I have contacted Bank of American and the Police about my issue. The police said it might be identity theft. On XX/XX/XXXX a person named XXXX XXXX was added to my payees on bank of America and the next day. I was told that I had sent {$8600.00} to that person on XX/XX/XXXX. That was most of my funds. I didnt realize till XX/XX/XXXX that is had happened though. I am currently following up with Bank of America and the local Police.
Product: Credit reporting or other personal consumer reports

Since it is the beginning of the year, I was pulling my credit report and found that there are some inaccurate personal information thats being reported and listed. I would like for Experian to correct this information so only accurate and correct Personal identifiers be showing on my credit file. There are numerous variations of my name which should not be listed, dates of birth as well as employers. This information needs to be corrected IMMEDIATELY! Listing inaccurate information is a violation and needs to be fixed to maintain 100 % accuracy on my report for credit worthiness and no mistakes being made as far as identity is concerned.
Product: Mortgage

Both my spouse and my personal information ( name, social security number, birthdate, and employer ) were used to fraudulently file for unemployment after using Rocket Mortgage to get a quote for the purchase of our new home. After telling a close friend, they said the same thing recently happened after also getting a quote from Rocket Mortgage. Within hours of supplying our PII on the Rocket Mortgage website, we began getting emails about job opportunities as if we were unemployed and looking for new jobs. I initially learned about the fraudulent unemployment claim after receiving the notice in the mail, my spouse learned from his employer that a job verification had been sent. The timing is too coincidental to have been the result of any other security compromise or hack.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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: Credit reporting, credit repair services, or other personal consumer reports

This my multiple request for you to inform that I want to delete some items on my credit file. The Credit Bureaus are reporting inaccurate information my credit file. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate these reporting by making a revision of the information provided. Modify and perform any items and erase these items from my personal file : XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXXXXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX
Product: Credit reporting

I have disputed the following accounts : 1. XXXX XXXX Account # : XXXX 2. XXXX # : 3 ... 
On XXXX XXXX, 2016 I spoke to XXXX XXXX ( Experian Consumer Affairs employee ) regarding the above mentioned accounts. I was informed that a Contract was never provided but simply the above mentioned companies simply press verified in Experians system. I am requesting a contract bearing my signature as it is illegal to report non validated inaccurate information to FCRA 's. I was also made aware that Experian has been sued before for this practice. Please supply the requested documentation or delete these items from my credit report as they are non validated in accordance with the law and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS REPORTING DEROGATORY ON MY CREDIT REPORT SHOWING A BALANCE AND PAYMENT HISTORY. THIS ACCOUNT SHOULD BE REMOVED DUE TO THE FACT THAT THIS ACCOUNT WAS DISMISSED IN COURT XX/XX/XXXX. THEY ARE IN VIOLATION AND NEEDS TO BE REMOVED. I'VE CONTACTED THE BUREAU REGARDING THIS. IM TIRED OF BEING TREATED THIS WAY. 

XXXX SOLD THIS ACCOUNT TO XXXX XXXX XXXX AND HAS REPORTED INACCURATE INFORMATION. DATE OF LAST ACTIVE, DATE OF LAST PAYMENT, LAST REPORTED, REPORTING THE ACCOUNT AFTER CLOSED. THE ACCOUNT WAS CHARGED OFF IN XXXX AND IT CONTINUED TO REPORT XXXX AND XXXX. THIS IS A VIOLATION PLEASE REMOVE! 
RECEIVED AN UPDATE ON XX/XX/XXXX SAYING THEY UPDATED INFORMATION BUT NOTHING HAS CHANGED