23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX i cancelled my auto insurance policy with XXXX XXXX via phone and email to XXXX XXXX with XXXX XXXX XXXX. XX/XX/XXXX a collection letter is sent to my rental property from The Receivable Management Services XXXX  ( not even to the address they have on file ) for {$71.00} for a late payment. XXXX XXXX was paid in full by my mortgage company, the policy was cancelled and insurance was provided through XXXX XXXX. Proof was sent several times and it seems like nobody is handling this the collection is still active. In reality they owe me a full year refund because my mortgage company paid XXXX XXXX while i paid XXXX XXXX after cancelling XXXX XXXX i did not receive a refund. I am less concerned about that but more concerned that the {$71.00} collection account will go on my credit report. I sent proof of insurance to all XXXX, XXXX XXXX XXXX and The Receivable Management Services, XXXX, it should not take this long to realize i do not owe this money. This is a false collection.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed an inquiry that do not belong to me. 

XXXXXXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

Capital One Bank is holding direct deposits due to " technical issues '' I worked my hours and should be paid but Capital One Bank is preventing that.
Product: Debt collection

I am filing a formal complaint against Credit World Services, which is unlawfully attempting to collect a debt that I do not recognize and has failed to properly validate. Their collection efforts and potential credit reporting violations directly violate my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ( b ) ) and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ( b ) ).

Issue Summary : 1. Unverified & Potentially Fraudulent Collection Attempts Credit World Services has attempted to collect a debt without providing any legal validation, despite my right to request proof. 
Under 15 U.S.C. 1692g ( b ) ( FDCPA ), debt XXXX must provide verification upon request before pursuing collection efforts. Their failure to do so is a clear violation of federal law. 
2. False & Misleading Credit Reporting XXXX XXXX XXXX has furnished potentially inaccurate or unverifiable information to XXXX. 
Under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), they are required to investigate and correct any disputed debt. 
Reporting an unverified debt is illegal, and they are obligated to remove any inaccurate information from my credit report. 
3. Consumer Rights Violation & Damages I have suffered financial harm and emotional distress due to these fraudulent collection attempts and their impact on my credit profile. 
Their continued collection efforts and credit reporting, despite lacking verification, constitute a direct violation of my consumer rights under federal law.
Product: Debt collection

On XX/XX/XXXX, I received an email from XXXX. The email claims that their client, XXXX XXXX, has placed my account ( s ) with them to get {$25.00} from me. The account ref number they gave me is XXXX. I replied by email on the same date : " insufficient information provided. Please provide specific details. '' Note that I did NOT BUSINESS with a company called XXXX XXXX At XX/XX/XXXX EST, I received an email response from the same email address, a person calling herself XXXX XXXX XXXX XXXX only additional info she provided was : Product Vendor : XXXX XXXX ( NSF Fee ), Referral Date : XX/XX/XXXX, Balance : XXXX USD. In the email she says " If you require an invoice or a statement of account, I recommend reaching out to XXXX XXXX ( NSF Fee ) directly ''. I asked again what the {$25.00} is for, and for more specific information. I am hesitant to call this XXXX XXXX, even if I had their tel number because I do not know if this is a scam. I told her that I suspected that she is not a legitimate debt collector, but a scammer. I sent a follow-up email, telling her that I am not responsible for any NSF Fee and that she was still not providing me with the necessary details. I asked that if XXXX provides services for ANOTHER COMPANY with whom I may or may not have done business, then perhaps I can make a determination. I informed her of FRAUD committed in my Bank account requiring it to be credit only and then closed. I asked for the professional license number in the state of FL and the name, address and tel # of the " original creditor ''. Due to the fraud committed in my bank account, I am leery of any communications with parties I do not know. And I am not getting enough info from them. Please advise. I am unsure if I should cut off communication with them. But I also do not want any negative mark om my credit files. The info about the sender of the email is that it is purportedly from XX/XX/XXXXMO XXXX ( https : //indebted.co )
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/year> ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/year> ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit card

See letter. I made an order for multiple items from XXXX on XX/XX/XXXX. Some of the parts were canceled by merchant because of " XXXX inventory '' ( XXXX : XXXX and XXXX ). The merchant agreed in writing to refund me but never issued the credit. Another item did not show up in a box sent from the merchant ( SKU XXXX ), the box had a large hole in it ( see photo ) ). I was offered a refund for this item but the merchant also never refunded me. I disputed the case with Amex and they found in the merchants favor, citing the merchant shipped out a box. Amex did not consider the details in my claim, and just used the tracking number to decline my whole claim.
Product: Debt collection

I have received a collection on my credit report from AMSHERCOLLECTIONSERVCES. To my surprise, they are reporting this account incorrectly as it is shown as being open as well but also show a balance in the amount of {$1100.00}. Please remove this account from my credit report immediately. Please provide me with a copy of my updated credit report with this removed off. 

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

I recently reviewed my credit report and found that unauthorized inquiries still remain, indicating a compromise of my credit. Despite submitting FTC report # XXXX, these inquiries have not been removed. I previously contacted the listed companies, requesting the removal of these unauthorized inquiries from their records and all credit reporting agencies. They assured me of compliance, each receiving a certified letter stating the inquiries were unauthorized. I am requesting the immediate deletion of the unauthorized inquiries listed below. This complaint addresses several unauthorized hard credit inquiries on my report. There are still FOUR ( 4 ) unauthorized inquiries present. Enclosed is my new FTC report for reference, number XXXX. I am disappointed by the lack of action. When will Equifax and XXXX remove these erroneous hard inquiries from my file? My requests have been ignored for months. Please cease the delay tactics and remove the following inquiries. Additionally, I request XXXX to remove these inaccurate addresses from my report : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This serves as a final notice ; failure to remove these inquiries will result in legal action. My attorney is prepared to hold you accountable for noncompliance. Please address this matter promptly.
Product: Student loan

This is in response to the lawsuit filed against Navient regarding their practices. 

About a two years ago, due to finally having decently steady employment, I reached out to Navient in order to get on an Income-Based Repayment plan. During this process I ended up having to speak with around six different people on six different occasions, often receiving contradictory advice.
The first one said that my repayment options were limited to two particular plans ( both being much higher than the others offered ).
I called back a week later, not happy with the previous conversation, only to be told by a different Navient employee that all I needed to do  was fill out this particular form online, send it in, and I would be approved for the more reasonable repayment plan. I did this and received a notice that I had been rejected/declined from that repayment plan. 

Due to this I was a bit confused and called Navient again. I spoke with another Navient employee who told me I should have been approved and to do the same process again ( fill out the form online and send it in ) and it would go through properly this time. The employee stated that is was likely a mistake in the system and that they would get it fixed. I again filled out the online form and sent it in only to again receive another denial letter a week or so later. 

I called back a fourth time, frustrated and confused. In speaking with another Navient employee I was told that I needed to resubmit the online form again but this time with some extra information requested. I was assured by the employee this would be sorted out this time. Again, about a week later I received another denial letter from Navient. 

I called Navient for a fifth time and spoke with another Navient employee. That employee said something along the lines of, " I do n't know what those other people were talking about, you are not eligible for the repayment plan you are seeking. '' Finally, very frustrated and confused I called back a sixth time and elected to defer my loans for a year because I could n't afford the payments Navient was expecting. 

Earlier this year I call back to Navient seeking the same IBR plan I had been seeking previously and I was easily accepted onto it and have been paying based on it for a number of months.
Product: Debt collection

( GLA COLLECTIONS ) at ( XXXX XXXX XXXX  XXXX KY XXXX ) has been sending me collection notices in the amount of ( {$74.00} ) the collection opened XX/XX/2020 has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Vehicle loan or lease

Ive made Ally Financial aware that due to a divorce and reduction in income i was having difficulty making payments on my vehicle. Although they have issued 2 payment deferrments in the past, i feel based on the circumstances they should have considered lowering the payments temporarily to allow me a chance to get things caught up. Their representatives have been extremely rude and uncaring, only interested in collecting money. Not all of them, but most.
Product: Checking or savings account

On XX/XX/XXXX I made an attempt to deposit money through a several ATMs. The ATMs werent taking deposits. We only have one physical branch in the XXXX area. But there are several satellite ATMs. I went to every one of them and had no luck. Every ATM was either not accepting deposits or the machine was out of service. Due to the fact that I dont have a way to get to the branch all the time and I homeschool ATMs are my lifeline. Because I couldnt get money in NFCU returned a automated payment of mine from XXXX. On XX/XX/XXXX I again attempted to use the ATM at the branch and it took me through the whole process and then said it couldnt accept my deposit. I immediately contacted Customer Service as I have done many times before regarding the availability of ATMs in my area. I was told that people have been complaining and they have been working to resolve the issue. There was no remedy that I was offered except to submit a complaint. I explained that I had done that and all I was told is that the pandemic caused them a lot of issues. While I get that NFCU is suppose to make ATMs available for customers to pay bills and maintain their accounts. I had to drive to two separate locations before my deposit was accepted. This is an ongoing and continuous issue. Now I am left to pay fees for a returned payment because I couldnt get the money deposited. This has been going on since XXXX and I have been patient but this issue needs to be addressed formally.
Product: Debt collection

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : XXXX XXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 


Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$520.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$520.00} Reason : Account is fraudulent Account Name : US DPET OF ED/XXXX Account Number : XXXX AMOUNT : {$1800.00} Reason : Account is fraudulent Account Name : US DPET OF ED/XXXX Account Number : XXXX AMOUNT : {$3200.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$460.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX AMOUNT : {$5900.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX US SM BUS ADMIN ODA XX/XX/XXXX
Product: Credit reporting 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. These account has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information.
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 - XXXX XXXX  # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX, XXXX, Account name : 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 or other personal consumer reports

I am XXXX  and displeased that i see this negative, unauthorized fraudulent account on my credit report. This is really damaging my credit worthiness. I am trying to start a business for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months age so I figured you all would protect my consumer report. I do not feel my information is being protected. This is defamation to my character and is a federal law violation. According to 15 U.S.C, 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I AM upset!! I AM depending on the banking system and credit reporting agencies to promote my privacy and fairness and they haven't. This is not right, going against my federal consumer rights, causing emotional and mental XXXX. Also, it is illegal, neglect, and fraud for companies and should not be furnishers of people 's information to 3rd parties. I have reported this to the proper legal departments. Including FTC. This is negatively affecting my livelihood and putting me in a bad space. These companies and credit bureaus can be sued. I feel your database is inaccurate and I am thinking about filing ligation, if negative items are not removed IMMEDIATELY. I am suffering.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

XXXX XXXX XXXX  ACCT # XXXX Open Date XX/XX/2021 ( Months Showing Late XX/XX/2021 & & XX/XX/2021 )
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I have repeatedly asked to have this fraudulent information removed from my credit reports. I am a victim of identity theft and the XXXX data breach. All 3 credit reporting agencies are constantly being sued by consumers because they are paid to report false information to increase interest rates and deny consumers credit. I demand that these accounts be removed per 605B of the FCRA but these agencies refuse to adhere to the laws! please see attached documents ....
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$5700.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$0.00} XX/XX/XXXX UNKNOWN XXXX {$200.00} XX/XX/XXXX
Product: Debt collection

Peace and Blessings, I am writing to you about my credit report. I am unaware of this debt. I did not have an opportunity to dispute this information. If in fact you believe you gave me proper notification, then please send me the certified receipt with my name and signature. Collections L J ROSS ASSOC Opened XXXX {$3500.00}