23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year> I mailed a certified letter requesting debt validation. I also called Portfolio and they refused to give me any information about the debt but gave me a telephone number to their lawyers office. I called their lawyers office 3 times and couldnt get anyone on the phone. It is after I filed a dispute through CFPB when Portfolio finally decided to respond and provide information about the debt. Portfolios responded with a copy of a bill from XXXX XXXX. I sent Portfolio another letter requesting a Purchasers agreement. XXXX XXXX XXXX office has visited my home about XXXX times in the past month. Continues to call my phone, and has even contacted my neighbor and shared my personal information. Again, Portfolio has not validated the debt and is threatening to sue. See attachment of person going to my neighbor house.
Product: Student loan

On XX/XX/XXXX Account Control Technology Inc. responded to the complaint I filed on XX/XX/XXXX. In the original complaint I had 2 issues I asked the CFPB to oversee. 

Failure to contact BEFORE Wage garnishment. 
Failure to Validate debt. 

In the response to this complaint through the CFPB, Account Control Technology has admitted that they never any provided ANY written notification to collect a debt for the U.S. Department of Education to the debtor before administering a Wage Garnishment. 

Additionally in the same response Account Control Technology INC provided promissory note applications with loan amounts of {$0.00} for ALL XXXX loan applications through XXXX XXXX. Therefore they have agreed that they are falsely claiming a debt is owed and collecting through an illegal means. 

Again, as I have stated before all Direct Loans are NOT DISPUTED and have been paid in full through an Administrative Wage Garnishment in XX/XX/XXXX-XX/XX/XXXX.  I am attaching to this document " End of Year '' payroll statements that prove ALL Direct Loans have been paid. 

Account Control Technology MUST return this account to the U.S. Department of Education as " uncollectible ''. 

For my own protection please note that : 1. This is a disputed debt. 
2. The debt has not been validated. 
3. Account Control Technology is levying an Administrative Wage Garnishment without validation. 
4. I will be contacting my employer immediately to find out if the Administrative Wage Garnishment was ever suspended. 
5. The Department of Education ; XXXX, XXXX, have been notified and HAVE ALSO failed to respond. 

Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/XXXX, made purchase with credit card for item at XXXX XXXX XXXX  of {$6300.00}. 
XX/XX/XXXX, told by XXXX warehouse my item was in stock and would arrive to XXXX 5-7 days. XX/XX/XXXX, was told it had arrived at XXXX warehouse. Delivery company in XXXX stated they did not have my item, did not know when I would get it delivered. XX/XX/XXXX, told by XXXX XXXX at XXXX I would get call within 48hrs to schedule item for delivery to my home. XX/XX/XXXX, informed XXXX XXXX if I did not have item by end of this week ( XXXX week in XXXX, would request full refund ). I then contacted my credit card company to have the {$6300.00} charge disputed and removed. I have never received any item from XXXX nor contacted by any representative to deliver said item. XXXX is attempting to collect money from me for no service rendered. This is truly fraudulent in nature and should be reported.
Product: Credit reporting or other personal consumer reports

Good afternoon, I DO NOT recognize these companies that made on my name hard inquiries on my credit report. 
XXXX XXXX XXXX XXXX XXXX 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/year> Please help me to solve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts ARE NOT MINE..I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX, DEPT OF ED/XXXX   XXXX, DEPT OF ED/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXXXXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX all of the above XXXX have violated my rights. 
15 U.S.C 1681section 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: Credit reporting, credit repair services, or other personal consumer reports

I have 29 hard inquiries on my report by dealership that I. Didnt consent too and I spoke to a credit adviser that I can get all or some of them off the dates are XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX those are multiple inquiries on my credit report that I didnt consent too and would like to remove them please thanks
Product: Debt collection

RE : LVNV FUNDING LLC, C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ACCT # XXXX ACCT # XXXX AMOUNT : {$890.00} DATE : XX/XX/XXXX This complaint is regarding the above-referenced debt in dispute. I am a victim of identity theft, IRS, and Tax Fraud which caused the IRS to send me a " Pin Code '' for tax-related submission purposes. In XX/XX/XXXX, after years of fighting and getting back on track, I decided to check my annual credit reports. Unbeknownst to me, I noticed that LVNV Funding collection company had a collection account on my credit reports that belonged to someone else. I had never had a XXXX XXXX XXXX credit card. I tried to call this company and get a solution to this fraudulent act but to no avail. 

I am disputing this debt because I do not owe it. LVNV FUNDING MUST STOP reporting it to the credit reporting agencies and ask them to delete it from my credit reports. 

Reporting information THEY know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive e-mails or letters concerning this debt that I do not owe to their client after this complaint from such a collection company. The Fair Debt Collection Practices Act requires LVNV FUNDING to respect this request and cease all communications. See 15 U.S.C. 1692 ( c ).

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has violated my rights. They have reported incorrect and various payments on my credit report and frivolous false late payments to 3 different bureaus with missing dates like activity dates and closed dates. Ive tried to get them to correct this information, but for some reason they won't. I need your help.

Unless every part of my credit report is the same for all three bureaus, it need to be removed.

They also violated my rights under 15 USC 1681s-2 and 15 USC 1681 section 602 A
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : ACCOUNT NUMBER XXXX XXXX XXXX I qualified for Public ( Student ) Loan Service Forgiveness and my student loans were forgiven by XXXX XXXX on XX/XX/2022. 

However, in a previous correspondence/letter, XXXX XXXX ASSURED ME that XXXX XXXX will be reporting my forgiven consolidated amount of XXXX to the Three Credit Bureaus as XXXX PAID IN FULL ''. 

THIS IS NOT THE CASE. XXXX XXXX is wrongly reporting to the Three Credit Bureaus as " PAID.CLOSED ''. PAID/CLOSED COULD BE FOR DIFFERENT REASONS, BUT PAID IN FULL IS WHEN THE ACCOUNT IS PAID IN FULL TO XXXX XXXX XXXX THE DIFFERENCE BETWEEN " PAID IN FULL '' AND " PAID.CLOSED '' IS HUGE. If XXXX complete their obligation to Report my XXXX loans to the three credit bureaus as " Paid In Full '', then my credit score will be increased. When XXXX XXXX is reporting that my newly consolidated student loans are ONLY " PAID.CLOSED '', that reflects negatively on my credit score, because XXXX does not direct the three credit bureaus that my student loans are FORGIVEN OR PAID IN FULL BY THE GOVERNMENT. 
THIS IS WRONG. 
See the following explanation by XXXX : " The Difference Between Closed and Paid-in-Full. - Revolving accounts, like credit cards, are referred to as " closed '' when the account can no longer be used to make charges.Credit card accounts will show " closed '' with no balance rather than " paid in full '' so that there is no confusion about whether the account is open to new charges. Paid, '' or " paid in full, '' is the term applied to installment accounts, like car loans/student loans, after the last payment is made and you have completed repayment of the loan as agreed. XXXX XXXX, XXXX XXXX  XXXX ''
Product: Debt collection

i sent MIRAMED REVENUE GROUP , LLC a letter on XX/XX/2021 about a alleged debt of XXXX $ that i don't owe nor had any dealing with.this is also a violation of the HIPPA law of sharing my information with third party.
Product: Credit reporting

I have disputed over and over the validity of XXXX XXXX XXXX ' reporting. They were never able to validate a debt. They reported an incorrect balance for years. I disputed and Experian just updated the debt as valid. It was not. It has been incorrectly reported for at least 3 years. Their dispute process did not follow through with appropriately verifying a debt over and over again. They posted the debt as valid and it was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with Experian, XXXX and XXXX several times. Most recently on XX/XX/. I asked for a contract and proof of debt. I did not receive any documentation of the this alleged debt until I filed a complaint with CFBF. 

My problem is with the verification of this account. How was the account verified as accurate as reported on my credit report? Experian, XXXX and XXXX all allegedly completed it's investigation into the account it came back verified. XXXX XXXX provided me with an " itemized '' bill that I have never seen before. The bill does not have my correct address on it nor is it accurate. It has an address different from the address on my credit report and a different address from the driver license that they attached to the bill. The driver 's license belongs to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, Texas XXXX however, the bill belongs to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Texas XXXX. My name is XXXX XXXX XXXX, I have never resided at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. This account has been mixed up or merged with another account. It is not accurate. 

Be advised that this IS NOT a dispute or another opportunity for you to reinvestigate the previous dispute. The period to conduct such a reinvestigation has expired and shall not be extended by law. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation. As a result, please delete this account. Additionally, as per the FCRA, you are liable to me for damages for you conduct. In addition to deletion of the disputed account, you are demanded to send a check in the amount of {$1000.00} payable to XXXX XXXX XXXX.
Product: Debt collection

Medical data systems has obtained my information illegally and has threatened my credit report my financial livelihood and has inaccurately reported a debt that isnt mine. Debt validation hasnt been submitted as well as method of verification.
Product: Credit reporting

I am a victim of identity theft. I have sent all the information requested in order to have fraudulent accounts removed. I have provided police reports, Identity Theft Report, and documentation that several accounts and address on my report are fraud. I have followed all protocol provided by the FTC to handle Identity Theft. I still have accounts on my report that not been blocked or removed according to section  605B of the Fa ir Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX  Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with this company on XX/XX/2021 and received a response back on XXXX XXXX. The response was from the company Senior Staff Attorney " XXXX XXXX. '' Mr. XXXX responded in the bottom portion of the letter " At this time, we have nothing to suggest that this account does not belong to you. Should you have any documentation that would be helpful to our investigation, we would be happy to review it and investigate further. That being said, we have made a business decision to close your account and you are no longer responsible for the remaining balance. The company then goes back and contradict everything they wrote in black and white and put this account back on my credit report on XX/XX/2021. A month later.
Product: Debt collection

My daughter was taken to Texas XXXX due to a XXXX that she obtained during a basketball game in XX/XX/XXXX. As her parent, I was asked if I wanted a XXXX to be conducted. I advised that I did Not if the cost would not be covered by my insurance. My daughter was then taken from the room with no communication to me that a XXXX was being performed. I later received a bill from Texas XXXX for {$1500.00} in which I called to dispute and was informed to submit a dispute online. I later called to follow up on the dispute and spoke with an billing agent whom communicated I did n't have to take any action while the matter was being researched. I never received results of the escalation or additional billing. I however, did receive notification from a Collections Company dated XX/XX/XXXX. My concern is erroneously damaging my credit report and pursuing collections on a charge that I disputed and should not be liable for.
Product: Credit reporting or other personal consumer reports

I had a complaint number XXXX and capital one was suppose to remove incorrect hard inquiries on my credit report and they still havent removed them
Product: Credit reporting, credit repair services, or other personal consumer reports

In according to the Fair Credit Reporting Act, this creditor XXXX account # XXXX XXXX reported a 30 day late XXXX XXXXand XXXX XXXX XXXX XXXX account # XXXX  reported a 30 day late XX/XX/ has violated my rights. Under 15USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states the consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

After several months of Comenity bank ( aka Bread ) having issues with the updating system ( from XX/XX/2022 to Approximately XX/XX/2022 ) for all of their store cards and not reporting for several months, they were finally able to confirm my Overstock Card account was indeed still open, although it showed closed by the creditor on all 3 major credit bureaus. 

I then proceeded to dispute the information on my credit report with each bureau, not one ( results posted XX/XX/XXXX ), not two ( results posted XX/XX/XXXX ), but three times including requesting reinvestigation ( XX/XX/XXXX ) AND uploading current billing information which showed the status of the account as open, never having been closed, and used in the time it was reporting as closed. The results keep saying the account is updated to : closed by credit grantor which is UNTRUE. THEN when trying to at least add a statement to this fiasco until it is appropriately resolved, I am only able to select pre-worded statements by XXXX, none of which suit the situation. Therefore leaving me unable to at least note the account is still in fact OPEN. 

While this may have been as a result of data error from the creditor, it took me no more than a 10 minute phone-call to account services to verify that this account is in fact still open, so between investigators doing the same WITH A CURRENT BILL AS PROOF, there is no reason for these findings. 

As it is an account with perfect payment history and almost 7 years worth of history, showing it as closed by the creditor has caused undue harm to my credit score and credit worthiness. I have given XXXX MULTIPLE opportunities to fix the issue, it is obvious they do not even ATTEMPT to investigate. 

Through these actions my rights have been violated under FCRA policies and I fully intend to pursue remedies up to and including punitive damages against XXXX.
Product: Debt collection

XXXX started calling at XXXX, called 6 times and its XXXX as writing this. 
XX/XX/25 : 4 calls, one answered and told them again to stop calling me. 
XX/XX/25 : 4 calls, none answered since I was busy and they were calling every few hours. 
XX/XX/25 : 3 calls, none answered since i was busy and they were calling every few hours. 
XX/XX/25 : 4 calls, none answered, every few hours and annoyed cause it was over a week. 
XX/XX/25 : 4 calls, none answered since I was in the hospital for my significant others XXXX XXXX 
XX/XX/25 : 4 calls, 1 answered and told them to stop harassing me. 
XX/XX/25 : 4 calls, 1 answered, told them to stop calling me.

This was one week out of many since I lost my job in XXXX and have been focusing on catching up on my mortgage since i got a PT job in XXXX and I have a full time job starting in the end of the month. even when I used to update them, theyd call me throughout the week and never stopped. I work until 2 am and they wake me up to harass me when I get only 4 hours of sleep in

. In one week, they called me at least 33 times in 1 week if i counted correctly.
Product: Payday loan, title loan, or personal loan

on XX/XX/2021 and XX/XX/2021, Big Picture Loans, limited ran my credit report without my consent. They allowed an individual, other than myself, without verification, to run my credit report. I opted out of prescreened offers and they ran a hard inquiry on my credit report without my permission. I do not and did not authorize this and will be filing a federal lawsuit to remedy the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fedloan still reporting on credit report even though account shows closed and well over 7 years. 

Fedloan XX/XX/2012 {$4500.00} Fed Loan XX/XX/2012 {$9100.00}
Product: Money transfer, virtual currency, or money service

I had a stop loss set on XXXX Crypto currency exchange ( Coinbase ). The exchange executed my stop loss transaction, charged me fees for it, but the prices shown on the exchange were never low enough to trigger the stop loss. 

I have a screen shot to show what I'm talking about, filled out a customer support ticket over a month ago. Case # XXXX. Have not heard anything back from customer support, nor is there any ability to check the status of my claim. Please help me investigate how this trading glitch happened, why I was charged fees for it, and help reclaim my lost money in this transaction.
Product: Mortgage

'NewRez mortgage company has stated that I requested that my complaint be closed. That is absolutely not true!!! The Mortgage company instructed to me that they would close the escrow account that they were trying to establish and I agreed to that only nothing else. How convent for the mortgage company to conveniently for their benefit say something incorrect and false. The mortgage company is stating that they paid for XXXX and XXXX XXXX XXXX taxes. They have never paid our taxes. All taxes have been paid by the XXXX 's since owning the house. We have never signed or given permission for anyone to pay our taxes. There is no signed document on file given anyone permission to do so. NewRez mortgage companies stating that they paid money in XXXX toward our taxes. The money that was sent was sent back to the mortgage company. In no way would we have been allowed to owe money from XXXX and the money is being requested back in XXXX. That doesn't make since. As the law states " if you are 65 years of age or older, or have an exemption because you are XXXX you can be placed on a payment plan. '' Which myself XXXX XXXX XXXX XXXX is XXXX  XXXX and therefore given the legal right to do so. I know NewRez Mortgage Co is aware of that and therefore I can not understand why my wife and are are being harassed as seniors and XXXX XXXX 's and XXXX. There is one payment from NewRez Mortgage Co sitting in the tax office not being applied to anything!! It can't be applied because the taxes have been paid by XXXX XXXX XXXX no one else. The tax office is stating " REQUEST YOUR MONEY BACK!!! ' NewRez has placed late charges on XXXX XXXX credit because they have decided to take the mortgage payment and try to HARASS us seniors into having a escrow account by putting the money somewhere else. We are not and have never been late with our Mortgage not with NewRez or any mortgage we have ever had in our lives with the three homes we have owned. If we owed Money why did NewRez return mortgage payment back to us? Please stop have fifteen different people talking to us to correct this and maybe you can straighten this out if you really want to. Is it NewRez, Is it Shell-point? Who's is actually in charge?
Product: Checking or savings account

On XX/XX/2022 I received an email from Credit Karma Member Support that my XXXX  account was locked for a direct deposit made on XX/XX/2022. In the amount of {$390.00}. I started the direct deposit several months ago with no emails asking for ID or anything. The regular pay is XXXX, and Holiday and Overtime pay is more. 

Called Credit Karma Customer Services ( XXXX ) and was told that the matter will only be handled by emails. Replied to emails requesting that I receive a telephone call in this matter. Emails stating that my issue has been escalated with our higher level of support. Still no telephone calls. 

I opened this account with no ID, and have my direct deposits to this account with no ID. Now they wanted an ID. When this payment was first made they didn't lock my account, email me just accepted the payment. 

I used some strong words for them to respond to my emails. Because this is the second time they are messing with my account and it is costing me money. I had a payment for my insurance premiums to this account and had the money in the account. They stated that they were doing maintenance on the account at the time which made insufficient funds available. Was charged by my Insurance company a penalty.
Product: Debt collection

Portfolio Recovery Associates , LLC ( PRA, LLC ) sent my household a collection notice under a name that is not mine. In addition, PRA, LLC is attempting to collect on a time-barred debt over 14 years old.