23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, Barclay 's Bank Delaware XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX has violated my rights. 

15 U.S.C.1681 section 602 A. States that 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 with out my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) States 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 ) 15 U.S.C. 1692C Without the prior consent of a consumer giving directly to the debt collector or express of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Student loan

1. I called XX/XX/XXXX when payments restarted to get help applying for the SAVE plan. The trainee that assisted me that day was very nice but signed me up for the PAYE plan when I was requesting the SAVE. I wasn't aware of this until it got approved middle of XXXX. I then reapplied on MOHELAs website on XX/XX/XXXX for the SAVE plan. I had tried contacting MOHELA multiple times and they just would tell me it would be a few more days. On XX/XX/XXXX my application was denied. When contacting them today I was on the phone for XXXX hours and was told my application was denied as I selected to pull my loans out of deferment and that is not allowed. Mean while my friends with other servicers got their SAVE plan application approved within a week and was able to pull their loans out of deferment with no issues. I am extremely frustrated with MOHELA as everything they do seems to be a scam to get more of my money. I am in a lot of debt and while awaiting all of this to process I have accrued hundreds of dollars which is not to blame on my end. 
2. I was told if I made a payment towards XXXX of my loans to close it and selected that loan solely whatever else was leftover would be refunded to my account. I have talked to XXXX employees prior to the employee tonight that said they would process the refund. Yet the guy tonight told me it was denied due to " that not being a good reason for a refund. '' The leftover money was then dispersed to my other XXXX loans and went towards interest. XXXX of these loans being under the PAYE plan currently meaning the government is covering the interest. Therefore this money was wasted.

I have spoken with various employees of MOHELA numerous times over the last XXXX  months in regards to both of these situations and every time they tell me the conversation is documented in my file. If that is the case my story should line up completely with their documents. But, I have a feeling they wont be documented as every time I call no one knows what I am talking about. MOHELA is a complete scam and I would like to switch loan servicers as they only want to take my money. They are not there to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

ExperianXXXX did not warn me of security risk which happened on XX/XX/2023. Someone changed my password and username. I was not notified about this change. I tried to call and log in. The account has been changed and my information is at risk. The person or whomever changed the email address.
Product: Debt collection

AFNI has reported a debt on my credit reports in the amount of {$720.00}. This debt has been disputed and was NOT Validated as my debt. AFNI also is NOT able to collect a debt in the State of Florida. This is a violation of the FCRA.
Product: Debt collection

I RECEIVED A COLLECTIONS NOTICE FROM ERC AND REQUESTED VERIFICATION OF THE DEBT. XXXX, THE ORIGINAL CREDIT, NOR ERC, THE COLLECTION AGENCY WERE ABLE TO PROVIDE VERIFICATION OF DEBT. I AM REQUESTING VERIFICATION OF DEBT AT THIS TIME FROM THE ORIGINAL CREDITOR ( XXXX - ACCOUNT NUMBER XXXX / REFERENCE NUMBER XXXX ). ALSO, A HOLD SHOULD BE PLACED ON ALL COLLECTIONS ACTIVITIES UNTIL THIS INFOMATION IS RECEIVED.
Product: Debt collection

Cavalry SPV I, LLC refuses to validate debt after multiple attempts. 
On XX/XX/2021, a 609 letter was sent to bureaus and Calvary to validate debt through " physical verification of the original signed comsumer contract ''. 
A response was received on XX/XX/2021, Per your request, please find enclosed the verification of your debt. Your account is now subject to resumption of collection efforts. The only thing attached to this letter was an erroneous bill without any verification and without giving me a chance to respond by stating my collection efforts will resume. 
The next day, XX/XX/2021, I sent a failure to validate letter again stating my rights by law and laws stating they need to validate further. 
On XX/XX/2021, I was sent exact same generic letter and erroneous bill without any changes in response. Cavalry only changed the date at the top of letter and sent same exact information to me.

After sending yet another letter for verification, Cavalry sent the same exact information a third time on XX/XX/2021, without any changes except the date. 
Cavalry is not only giving me the run around with validating they are completing lacking abiding by the law and the consumer by ignoring all requests and simply copying and pasting same responses with only a change to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid National Credit Adjusters {$1600.00} on XX/XX/XXXX, they show my account in the negative and still open, {$2100.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$2100.00} Highest Balance {$2100.00} Opened XX/XX/XXXX XXXX XXXX yr ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX This account needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/XXXX. XXXX, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Product: Credit card

My debit card was stolen and I did n't notice at first ( it was switched out with a fake one ). Whoever then stole it depleted my account from an ATM XXXX miles outside of the city I live in ( I do n't have a car, and even XXXX receipts can verify I was nowhere near this ATM. 

Bank of America initially issued me a temporary credit for the stolen amount but then found the claim was denied, taking the amount back causing me to go negative and now are piling on over draft fees. 

I filed a police report the day this happened, appealed my claim and gave them the police report number so they could pull video footage from the ATM ( which would obviously prove it was n't me ). However they denied that appeal as well and I am stuck with nothing to do and my account being negative. 

I thought about taking legal action but the cost of a lawyer might even be greater than the amount taken. Someone stole my money, Bank of America does n't believe me, and I want to prove that it was n't me.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Re : Complaint Against XXXX XXXX XXXX and Tromberg , Morris & Poulin, PLLC Dear CFPB Representative, I am writing to file a formal complaint against XXXX XXXX XXXX and its legal representatives, Tromberg , Morris & Poulin, PLLC, for violations of the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, I believe the following violations have occurred : - Improper credit reporting regarding a debt that was discharged in [ year ] and is still being pursued. 
- Harassment and unfair debt collection practices, including sending letters that misrepresent the debt amount and refusing to provide requested documentation. 

I have attached all relevant documentation, including letters, credit reports, and legal correspondence. I request a full investigation into these practices and ask that all improper collections activities cease immediately. 

Thank you for your attention to this matter. 

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

The Information listen was never authorized by me to be submitted for please remove the following inquires and accounts from my credit report XXXX XXXX XX/XX/XXXX and XX/XX/year>, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove These following inquires Immediately. 

I also request that XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Be removed as this is not my account and was open fraudulently. 

XXXX XXXX XXXX be updated as I have never been late on my report or had a repo. 

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Payday loan, title loan, or personal loan

I withdrew {$1500.00} from CashNetUSA, and paid them back {$1500.00}, resulting in a remaining account balance of {$1300.00}. I have paid them back 100 % of the amount withdrawn and they claim i still owe 90 %. So what they are representing is in order to pay back {$1500.00} i will end up paying them {$15000.00}. Which means 1,000 % interest on loans! They have taken 7 payments in 4 months, XX/XX/19 - XX/XX/19, and will continue unless someone saves me!
Product: Checking or savings account

In reference to the closed complaint ( XXXX ) I feel as though my issues were not addressed, only confirmed. For the account with the negative balance of {$2700.00}, Im aware that is a result of a reversed provisional credit. However if the sellers policy states I had 3 days to return, why would you advise me to STILL return the merchandise and provide you with a receipt and tracking number, stating that you could not help me without me returning merchandise to seller which resulted in a loss of money and merchandise for myself. I only did what I was told to do by your representatives. Also that very account was hacked by someone claiming to represent truist bank. I was sent a text message stating my account had fraudulent charges. Upon clicking the link I immediately reached out to truist only to be told that no money was missing and to just watch my account. The next day I see phone XXXX transfer in my savings account moving my money to my checking account. All of my personal information was compromised including my address, phone number, account number, email etc.which allowed this person to create a fake XXXX XXXX in my name and transfer {$100.00} to themselves. I called truist again! I told them I had proof of this fake XXXX XXXX as well as an XXXX address associated with the fake account. Truist was not concerned with my findings and was not willing to even let me send the information to them to investigate. So NO this was not authorized! As a result I had to place a fraud alert on my credit report, open a new bank account, and Im out of more money. So then we open the Truist essentials account for myself in XXXX which recently got hacked again by the same perpetrator Im assuming because once again I go to use my card at the gas station and all money is gone! I look at my account and I see the same phone XXXX transfer. I was told by numerous representatives and a supervisor that the account with the negative balance was closed and nothing could go in or come out. But apparently whoever hacked my account initially, still had access because they attempted to move every dollar I had ( {$120.00} ) to that negative account, adjusting the balance to - {$2600.00}. I was stuck in a city hours away from home unable to get gas or help from a representative. I was hung up on twice and had to go in a branch, where they only opened a XXXX account ( Truist confidence ) and set me up a new online account. The very next day this account was blocked from use by myself! So scammers can get my money just not myself? Im aware that these accounts are in my name but I did not authorize this transfer nor have I ever utilized phone XXXX transfers. This seems to be a inside job and Im fed up with your fraudulent activity being conducted by someone other than myself and your uneducated generalized responses to my problem. I dont think that people should keep having access to my accounts and personal info with help from Truist. This is unlawful and no one is researching the matter at all.
Product: Credit reporting or other personal consumer reports

I have been in communication with XXXX XXXX  for several weeks now, about the balance of my account reporting inaccurately on my credit reports in all three credit bureaus, Experian, XXXX, and XXXX, and how it has been negatively impacting my ability to qualify for credit and being detrimental to my quality of life. 

They have refused to communicate effectively with me by phone or by email, and have been trying to put the responsibility off on the credit reporting agencies rather than accurately changing their reporting data. 

Their contact information is as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have closed my accounts with them, and I am asking that their account does not report to my credit report on any of the XXXX bureaus and be removed immediately, please! 

Thank you!
Product: Debt collection

I was going over my credit report I noticed an from Debt Recovery Solution {$1500.00}. 
I have never had an account or contract for service with You must provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for Debt Recovery Solution LLC diligent examination of this matter.
Product: Consumer Loan

I bought a laptop from Conn 's in XXXX Texas in XXXX, with installments of {$47.00} a month. I went to their website to pay in XXXX and tendered the current payoff amount listed listed. About 6 months later A deluge of robo call and letters from Conn 's occurred, which continues to this day, saying that I owe {$60.00} + dollars further on the note. I call repeatedly to find out what this remaining balance is due to. I have sent the e-mail confirmation of my payment to the company as requested and no explaination is ever given. The harrassment continues. since I tendered the payoff amount for this note given by their website, I consider this purchase concluded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX XXXX XXXX credit its closed but the reason is CONSUMER DECEASED.i was pay off and no balance.
Product: Debt collection

Portfolio Recovery at XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX has been sending me collection notices about {$990.00} the collection has been reported past due. 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, DISCOVER FINANCIAL SER add a hard inquiry on my credit report per XXXX.
Product: Debt collection

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX XXXX  In addition, please remove all non-account holding inquries over XXXX days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, tro o be provided within fifteen ( XXXX ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries Attached is the letter from XXXX XXXX that states the inquiry from XXXX CARD date XX/XX/2017 should be removed. I don't now authorize this hard inquiry. 

I also noticed I still have an old inquiry from XX/XX/2017 that is still reporting I would like removed as well.
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 items which 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 items which is found to be fraud 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. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I have been trying to upload documents to have items removed from my credit due to XX/XX/XXXX. I have called and was advised to call the department directly. I was informed documents were not submitted but I have emails stating it has been submitted. Please review these documents and remove from the agencies.
Product: Credit reporting or other personal consumer reports

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

XXXX ( Original Creditor : XXXX XXXX XXXX ) {$630.00} XXXX {$9900.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XXXX {$8400.00}
Product: Checking or savings account

On XXXX XXXX XXXX  I have noticed unknown charges on my account on a card which I havent used or activated. 

The first charge was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts don't belong to me. please remove accounts : 1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.