23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Good Evening / and Happy Holidays! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ran my credit and notice things I had no knowledge of. I never use my personal credit for anything. I called each company numerous times which they stated it will not be reported and its still being reported. Its been over five months. I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. PFC USA has several accounts listed on my credit Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Debt collection

I negotiated a pay off through XXXX XXXXXXXX with a debt collector XXXX XXXX XXXX on XX/XX/XXXX on my Barclay account ending in XXXX. The contract payments were paid in full on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX sent a letter trying to collect after several attempts to verify it was paid on XX/XX/XXXX they received a fax with the payoff contract. Bank statements of payments and clear one contract and a letter of explanation. I spoke with employee XXXX XXXX and was told they received and reviewed documents and would no longer try to collect on this debt. On XX/XX/XXXX over a year later I received a letter trying to collect on the debt again. I called on XX/XX/XXXX and was told I still owe the debt. Im tired of being harassed by a different debt collector for the same debt which has already been paid.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Bank account or service

i had fraudulent charges on my american express banking account, and i filed a claim with them, but instead of returning my money that is supposed to be insured, they closed my account
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

Reliant Capital Solutions LLC XXXX contacted me for a loan that 's not mine. I sent them dispute letters but they still reported my account to credit bureau and that 's marring my credit report. They have not provided me any proof that the loan is mine. They keep sending me a bill which is not mine.
Product: Student loan

According to 15 usc1692 c you have violated my rights by in lawful communications.please remove this collection off of my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information that is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX {$37.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian. I had a free week for their extra serviceand then it charged me which was fine then I go to cancel and there's no way to cancel online and the phone number doesn't give me a person and hangs up. Also the only option it does give you to cancel is their FREE service not the service you are paying for.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Student loan

Nelnet has violated the terms of the loans for which I applied through FAFSA and should be removed from the federal government 's list of approved loan servicers. I have XXXX  children who are full-time students, and their loans are in my name. The terms of my loans are that they are deferred until six months after my children graduate. Both children are enrolled as full-time students, and there has been no interruption in their status. I received a past due notice from Nelnet regarding my loans. This is an error on Nelnet 's part. They have verbally acknoledges this. Whoever governs loan providers should take action against Nelnet because : 1 ) Communicating with Nelnet is nearly impossible for the average person. While I have been able to wait on hold for more than an hour and a half several times, the average person likely does not have that flexibility. They list a " chat now '' feature on their website, which does not " chat ; '' it refers the consumer to their contact page. On the contact page there is an email address which auto-responds that it will take them a really long time to get back to the consumer. Calling the phone number has put me on hold for over an hour and a half three times. 2 ) A customer service representative, acknowledged that this never should have happened and stated that she would process my " request. '' I asked her send me an email confirming that this was the case to ensure that I have documentation should this affect my credit score. She stated that this was all internal and that she could not send me documentation. 3 ) I understand that mistakes happen and that communication with a large consumer base poses logistical challenges. Nelnet 's mistake in this case could affect my credit rating. And, they should be legally obligated to enable consumers to communicate with them in an efficient and timely manner. Their status as a loan servicer should be revoked until they are in a position to actually service consumers.
Product: Credit reporting

I discovered that someone opened a Discover card account without my knowledge or consent. When I found out, I sent Discover all sorts of information showing that I was the victim of ID theft, and asking them for what information they had to give them the authority to open the account, but they keep sending me pages and pages of statements that they said they mailed me ( the never did ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly requested the credit agencies to remove the unknown and incorrect addresses from my consumer report, yet they still remain. Pursuant to 15 USC 1681 ( a ) ( 1 ) - the banking system is dependent upon my consumer report being fair and accurate. After reviewing my consumer report, it has come to my attention that Equifax continues to report inaccurate information was furnished, and I was never notified during the company 's initial investigation that they were going to report this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a letter correcting personal information and also disputing errors with the following accounts. NOTHING WAS DONE THEY DIDN'T EVEN INFORM ME THAT THESE WERE BEING DISPUTED WHICH IS ANOTHER VIOLATON They are violating the following Consumer Rights Laws : 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without the written consent/permissible permission.

15 USC 1666 ( b ) - A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of Any other adverse item of information
, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-1 ( a ) ( 1 ) ( A ) - 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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I asked PNC if they had covid options for help. They said yes, asked me a few questions. They said to help me yhe must lowerer my avail credit limit to z {$6600.00} from $ XXXX. & they would lower rate to 5.9 % I told them never mind I was ok. 1 week later in mail I get lowered credit limit to {$6500.00} & they say it was a random review!!! Yea right. 1st if all, do u really think during a pandemic you should do random reviews???? Keep in mind I have not had 1 later payment w/ anyone for 73 months!!!!! XXXX!!! They lie. My # 1 gripe is reviews that then hurt people during pandemic!!! People are hurting help them dont kick them when there are down.
Product: Credit reporting or other personal consumer reports

This inaccurate public record has been reported on my credit report even though I have no idea about this. Please thoroughly check the documents I've sent about this.
Product: Mortgage

I purchased my current home in 2014. My bank sold the servicing of my mortgage to Suntrust Bank. Up until approximately 6 months ago, we've had no issues with Suntrust. Then, approximately 6 months ago, Suntrust " informed '' us that our escrow amount would be going up based on their internal assessment. They are requesting an additional {$200.00} per month on top of my existing principle, tax and insurance payment. I've discussed this increase with my insurance company and our local assessor 's office and there have been no changes that warrant {$200.00} per month. In fact, in years past we've received refunds for overages in escrow account. I've called Suntrust of several occasions attempting to resolve this issue, but have been told that the increase was " calculated '' by their escrow team and that there was nothing anyone could do about it.
Product: Credit card

The following inquires are on my credit report and I did NOT give approval or permission to run my credit. I 've sent letter to the creditors and the Bureaus and have not heard back from them. These inquires needs to be REMOVED. 

XXXX XXXX, 2015 XXXX XXXX, 2015 Bank Creditor Contact Details CAP ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Please help me in getting these items deleted. I 've tried all I can.
Product: Debt collection

Dear CFPB, I am writing to file a formal complaint regarding a debt collection attempt by Fair Collections & Outsourcing related to XXXXXXXX XXXX XXXX. On XX/XX/year>, I was informed of a debt in the amount of {$6400.00}. However, despite multiple attempts to contact the company for verification, they have failed to provide sufficient documentation or validation of this debt. 

Immediately after being notified of this debt over 90 days ago, I reached out to Fair Collections & Outsourcing to request proper validation. They did not provide the necessary information to verify the legitimacy of the debt. In an effort to resolve the matter, I followed up with an additional request for validation, but again, they failed to produce any evidence supporting the debt of {$6400.00}. 

At this point, more than 90 days have passed without the creditor fulfilling their legal obligation to verify the debt. Therefore, I am requesting that this debt be deleted from my credit record due to their non-compliance with debt verification requirements. 

I kindly ask the CFPB to investigate this matter and take appropriate action to enforce the removal of this unverified debt from my credit report. 

Thank you for your time and assistance in resolving this matter. I look forward to a prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 In accordance with the Fair Credit Reporting act and XXXX  accounts number account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfers

This complaint is about Western Union. I tried to wire {$200.00} to an acquaintance on Monday, XX/XX/2016. I received a text from the saying the transaction was under review and should be resolved in 2 hours. After 2 hours I called them and they told me that the transaction was denied, and that someone would be calling me back to let me know how I might get a refund. Well no one has been calling me back. I 've left them Emails, and called back, and they say the same thing, someone will call me back with information about a refund, and basicly the business week has passed by without any calls regarding my refund. I 've made sure they have the correct phone number. I get the feeling they are n't ever going call back and are planning on keeping my money. So consumers beware, Western Union has deteriorated into a bunch of old west bandits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a medical crisis XX/XX/XXXX where I was unable to work, unable to pay bills, I paid off indigo credit card through Genesis financial on XX/XX/XXXX for the amount of {$770.00} through my bank account, however it's still shows it as a charge off and an unpaid balance and when I call two different numbers, one listed through credit bureaus and one on back of the card, it tells me I've been turned over to a collection agency and disconnects. I have filed disputes with all three credit bureaus who have been unable to resolve this. The fact is I paid this up on XX/XX/XXXX through XXXX XXXX XXXXXXXX
Product: Student loan

I have about 13 private student loans with XXXX ( Currently, Navient ). Back in XXXX XXXX advised me that in order to get on a payment plan I needed to default on my student loan before they would offer me a lower payment. I was willing to pay what I could. At the time I was single and making {$10.00} an hour. They were asking me for {$1300.00} a month for student loans, I said I would pay something more reasonable but that was more than I was bringing home bi-weekly. So I started off by paying what I could after living expenses. 
They ordered me to default for 3 months and then call back to get on a payment plan. Which has ruined my life. They reported this to the credit reporting agencies and this has ruined my chances of becoming a first-time home buyer. After allowing me on a reduction rate plan, even after making my payments on-time for consecutive three months, they still reported me as delinquent to the credit reporting agencies. 

Being on the repayment plan I have made all my payments on-time for the past 4 years but due to the negative reports in XXXX and XXXX I am unable to purchase a home or anything because it appears that my credit is still suffering from those delinquent reports. While on the repayment plan I also discovered that they were charging me a late fee some months and inaccurately reporting to the credit bureaus. 

All of my student loan accounts were on the same payment plans and on my credit report they all reflect different delinquency dates. I reached out to Navient regarding this matter a year ago and they still did not correct the errors on my accounts with each and every credit bureau that they falsely reported information to. When I first started the re-payment program their automated dialer was calling me for weeks even after I had spoken to agents insuring all my loans were on the payment plan. The automated system called me for weeks saying I was behind on my payments, in which I was current and enrolled in their rate reduction plan. This has caused me so much grief and distress, trying to get them to report my information correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX SSN : XXXX Date : XX/XX/2022 To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. 

Please update to : XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX Sincerely, XXXX XXXX