23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a voicemail yesterday, XX/XX/XXXX, from the phone number XXXX. The gentleman said his name was XXXX XXXX from XXXX XXXX and XXXX, and that they were preparing a preliminary Civil Claim with my name and information attached to it. And if I did not contact them immediately that they would be filing a Civil Suite , on behalf of their " clients '', and that they would give me the opportunity to give a statement. 

I immediately contacted them and I was sent to a pre-recorded message. I left a message and asked what the claim was, who the claimant was, and that if they could email me the information so I could share it with my attorney so we could respond accordingly. About 15 minutes later I received a call from another individual, who went through a very odd verification process to validate I was who I was. After that, she continued to threaten me with a pending lawsuit. I stopped her and asked who was the claimant. She went on to explain that she works with a " mediation '' group that helps solves collections for their clients. I then asked who her client was, and she said that she could n't tell me, but that it was an old debt from XXXX XXXX XXXX. The only XXXX card I ever had ( beside my current one ) was for a business that I was involved with years ago, and since has closed. At one point, that company did have a XXXX XXXX card, so I asked her if this was a corporate account. She said yes, but I personally guaranteed it, something I NEVER did. As I started to ask more questions about the account, when this account was active, etc., she became irate with me and said do you want to take care of this or not. 

I explained that I do not recall this account, and that if there was an issue years ago, XXXX never got a hold of me. She started to spout of some laws that since this was a commercial account, and that I guaranteed it, and that the original creditor could not " get a hold of me '', that the Statute of Limitations started the second she spoke with me on the phone. She also claims the last payment was early in XXXX. I asked if she knew the laws in XXXX  about Statute of Limitation and she began to raise her voice and threaten me. I then told her she needs to send me all related documentation so I can forward to my attorney who would be in contact with her. She said she could not do that, but will send me a settlement letter, and then abruptly hung-up. 

Original voicemail is attached.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$48000.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX  XXXX Balance : {$48000.00} XXXX XXXXXXXX Balance : {$42000.00} XXXX  XXXX Balance : {$10000.00}
Product: Student loan

Hello, I have been making small payments to my defaulted student loan though XXXX since XX/XX/XXXX and wanted to repay in full the existing balance. Up until today XX/XX/XXXX the website showed that my balance was XXXX ( XXXX principal XXXX interest ) The last time I logged in before today was Saturday XX/XX/XXXX. Since XX/XX/XXXX there is a new field " Projected PCA Fee '' in the balance spreadsheet on myeddebt.ed.gov that was not there before today. I have a screenshot from XX/XX/XXXX of how the website looked, the presentation from a year ago has changed and it is apparent that the " Projected PCA Fee '' was not included in the balance. The " Projected PCA Fee '' disputed is for XXXX. My issue is that this fee was not stated before and in order to repay the loan amount through the website I would have to pay this fee that appeared without prior notice. When I called the collections agency " National Credit Services '' of XXXX, WA today, they said I would have to pay this fee to satisfy the amount but I was not made aware of it through the government website myeddebt.ed.gov until I logged in today. They also stated that the last mail they sent that would have this information was sent in XXXX. By the end of the call, the offered to " start a settlement '' and that the loan would still not be considered " paid in full '' I ended the call without starting the settlement. I have included two screenshots, one of the old format of displaying the balance from XX/XX/XXXX and one from today with the " Projected PCA Fee '' included in the matrix.
Product: Debt collection

I've noticed that my credit report contains incorrect personal information, which has caused this unknown, inaccurate and fraudulent account to appear. Unfortunately, I have been a victim of identity theft. My information was used without my authorization, resulting in a fraudulent item on my report that I have no connection to. Following the credit bureaus ' guidance, I promptly filed a report with the Federal Trade Commission ( FTC ) and submitted it for review. Despite this, the fraudulent item remains on my credit report.
Product: Debt collection

I sent another dispute letter XX/XX/23 because insufficient evidence was provided for verifying the debt and the collection agency sent a threatening email attempting to collect on a debt currently in dispute and my original letter specified I only wanted communication by mail.
Product: Credit reporting or other personal consumer reports

Hello! I am sending this follow-up complaint regarding the fraudulent items listed below, which are reported on my credit report in violation of federal law. Despite reviewing my updated credit report, these fraudulent items still remain. According to the Fair Credit Reporting Act, 15 USC Sections 1681, you are required to remove the items listed in the ID Theft report within the timeframe mandated by law. The continued reporting of false information is now affecting my credit. Below is a summary of the fraudulent items showing on my report : XXXX XXXX  XXXX XXXX XXXX, TN XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$720.00} ; XXXX & XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX & XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX & XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XX/XX/2023 ; XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$300.00}.
Product: Checking or savings account

From XX/XX/2018 till now our account has been charged a monthly fee of {$16.00} per month ( total of {$80.00} ). Last year when I checked with the local branch they told me that our account has no monthly fees regardless of balance. They completely lied and misrepresented the facts. They are not responsive. This amount should be refunded and we will close this account in the near future. Bank of America lied, WE WANT OUR MONEY REFUNDED.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personally identifiable information was obtained from Equifax by an unauthorized third party. As a result the security of my identity will forevermore be in question. Additionally, this incident will cost me both time and money while I attempt to take the proper precautions to reduce my likelihood of becoming a victim of identity theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : Account XXXX Dear Credit Bureau, I am continually being called on the telephone by your firm over an alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence by writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. 

Letter of sale or assignment from the original creditor to your company. 
( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX  XXXX XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt.Intimate knowledge of the creation of the debt by you, the collection agency. 
As I am sure you are aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. 

I look forward to a speedy resolution of this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

I have previously submitted a certified letter on XXXX XXXX XXXX which was received and signed for on XXXX XXXX XXXX requesting that a dispute be initiated for a XXXX # XXXX account which is reporting inaccurate information on my Credit Report. The following is a list of inaccurate, incomplete or erroneous information still contained in XXXX XXXX # XXXX account after the dispute. No payment history in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The account states term XXXX 89 months and 99 months reviewed two conflicting terms.
Product: Credit reporting or other personal consumer reports

This is my third endeavors 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, remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XXXX I sent XXXX letters with proof of identity to TransUnion asking them to remove the fraud alert from my account. When I did not hear back from them I called in XXXX times requesting the fraud alert be removed from my account. Every time I called in I was told to send specific information in the mail to them and they would take care of it. I sent the information in XXXX separate times after XXXX separate phone calls and they never removed the fraud alert. I have had no issue with removing the fraud alert from XXXX or any other credit reporting bureau.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Ability Recovery Services and XXXX XXXX XXXX for knowingly and willfully violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by reporting and attempting to collect a fraudulent debt. 

Details of the Violation On XX/XX/XXXX, Ability Recovery Services reported a debt to my credit report alleging that I owe for an ambulance service on XX/XX/XXXX, supposedly provided by XXXX XXXX XXXX ( XXXX ). However, I was never transported by an ambulance on that date, and this debt is completely fraudulent and inaccurate. 

On XX/XX/XXXX, I contacted Ability Recovery Services by telephone to inquire about the details of the account and to request written notice of the debt and any information pertaining to the debt. Ability Recovery Services was unable to provide me with any documentation surrounding the debt and stated I contact XXXX XXXX XXXX. 

Ability Recovery Services does not own this debt by their own acknowledgmentit is purportedly owned by XXXX XXXX XXXX. Despite this, they have illegally furnished negative information to credit reporting agencies, damaging my creditworthiness and violating 15 U.S.C. 1681s-2 ( a ) of the FCRA, which mandates that furnishers provide only accurate and verifiable information.

Violations Committed Violation of FCRA ( 15 U.S.C. 1681s-2 ( a ) ) Reporting False Information Ability Recovery Services is knowingly furnishing false, inaccurate, and unverifiable information to credit bureaus. 
This debt is not mine, and I have never received services from XXXX on the date in question. 
They are reporting a debt without proof of ownership or validation, which is an outright violation of the law. 
Violation of FDCPA ( 15 U.S.C. 1692e ) False or Misleading Representations Ability Recovery Services is misrepresenting its right to collect this debt, as it is not the legal owner. 
This constitutes fraudulent collection practices and deceptive reporting, violating consumer protection laws. 
Potential Re-Aging of Debt ( 15 U.S.C. 1681c ) If Ability Recovery Services or XXXX XXXX XXXX altered the date of first delinquency, this is a blatant attempt to illegally extend the reporting period, further violating the FCRA.
Product: Debt collection

I previously disputed three times about the company and orginal creditor XXXX XXXX. My signature was forged on documents sent to me, in which I informed the credit agency. sent pictures of proof as requested by Fair Collections and Outsourcing on XXXX They failed to respond to any letters, emails, or online complaints sent to credit report agencies as well to Fair Collections Outsourcing. Again, this account established with them was a fraud account, I did not sign any documents sent to them from XXXX XXXX. I never received any information on the debt in a timely manner nor in previous time from XXXX XXXX. They have failed to send me any proof within 30days of the debt in previous notices. The debt was placed directly on my credit report without any knowledge of debt or chance to dispute the debt directly with creditor or agency.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I was a victim of a preditory loan scheme with XXXX XXXX XXXX XXXX XXXX. Went in to get an estimate on my car and was told it would cost XXXX XXXX XXXX, but I could apply for a credit card with XXXX. I said no several times but before I knew anything she was on the phone with them giving out my information, Then I was approved for this predatory loan. Later that week I told them I wanted to pay them off earlier due to this program they advertised. The payments were set up for me to pay them off in three months for XXXX XXXX and XXXX dollars. I made first two payments and the last payment was declined. on the last payment. I asked if I could pay by checks and was told I could not pay that way because I didn't check their box on the contract. He informed me that I would have to pay XXXX XXXX dollars to complete the loan. XXXX and XXXX dollars.  was declined. on the last day of payment. I asked if I could pay by checks and was told I could not pay that way because I didn't check their box on the contract. He informed me that I would have to pay XXXX XXXX XXXX  to complete the loan. This company if you can call them that uses unethical and deceitful practices and should not be allowed to do business in California ; unless they follow policies Also, they fail to report to the credit agencies about the second payment which I made as if they knew or expected that last payment would not be made or be declined. They did not report the second payment so this will be reported to the credit agengies.
Product: Checking or savings account

On XX/XX/2024, my account with Robinhood was put into Restricted status without explanation. After sending the information they requested to verify my identity, the restriction remains in place. Ive repeatedly reached out to them about the issue and have not got a response. When trying to withdraw or transfer settled funds in my account ( {$3900.00} ), I get an error that the withdrawal or transfer could not be completed due to account restriction. Ive made multiple attempts to talk with someone and they dont respond beyond Were investigating this matter. Its now over a month later and they still have my account restricted and are holding my available balance. I can not speak to anyone with Robinhood and simply want to withdrawal what is in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon obtaining my annual credit report, I requested a debt verification from all 3 credit bureau in regards to a charged off account from XXXX XXXX XXXX that was listed on my report. I sent an e-mail to XXXX XXXX XXXX on XX/XX/XXXX for verification as this was an unfamiliar account that I had not seen before on my credit report. I received no response back the same week however on XX/XX/XXXX, I received a letter from XXXX XXXX XXXX. I had hoped that the letter would provide any documents to validate this account however, the letter simply stated what was on my actual credit report and only listed when the account was opened along with when the account was charged off. 

Per XXXX XXXX XXXX letter, the account was opened on XX/XX/XXXX and was charged off on XX/XX/XXXX. The letter also stated if any inaccurate information was listed, that I should contact the XXXX credit bureaus directly to dispute and resolve. 
With that information, On XX/XX/XXXX, I sent a notarized letter requesting validation on this account listed under XXXX XXXX XXXX to Experian, XXXX & XXXX. After sending the letters, I received no response back in 10 days. I decided to write a follow-up letter to all 3 CRA on XX/XX/XXXX requesting validation of account once again. As the days went by, I received no letters back from any of the CRA so on XX/XX/XXXX, I sent another follow-up letter requesting validation. Keep in mind, this was my 3rd attempt in contacting the credit bureaus in hopes that I would get any sort of answer back to assist in this issue. 

On XX/XX/XXXX, I received a letter each from both XXXX and Experian. Below is what was listed on the letters that were sent to me XXXX = Stated that they are currently processing my previously submitted dispute and will not be conducting further investigation into this particular account at this item. 

Experian Did not provide any documentation but rather just listed terms and explanation on how the verification process works. I had already sent them 3 detailed letters requesting validation however this was the only letter I received from them. 

XXXX  As of XX/XX/XXXX, I have not heard back or received any answers via mail, e-mail or telephone.
Product: Credit card or prepaid card

1.I have never had an account with this company TD BANK USA/TARGET CREDIT , REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are TD BANK USA/TARGET CREDIT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.