23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I called XXXXXXXX XXXX for a different matter than what this complaint is about. I spoke to XXXX at XXXX. I found out that my XXXX account was written off to fraud in XXXX. XXXX stated that I did not owe this debt since they wrote it off. He told me to call Portfolio Recovery Associates and to have them remove the debt off of my credit reports that has been reporting since XX/XX/XXXX. I told him that as of two months ago I was still receiving notices to pay and that I owe them this debt. He stated that the debt is not owed. 

In XX/XX/XXXX Portfolio Recovery Associates attempted to sue me in my local court system. He said it was written off before then. As of the date of the write off to fraud, Portfolio Recovery Associates has continued to break the FDCPA and my rights under federal law. They have caused me great financial harm. I have contested this debt several times through the credit bureaus with no relief. Portfolio Recovery Associates continue to tell the credit bureaus this is a valid debt, which it is not. 

I never received a validation of debt letter. Under California law, a creditor/collection agency does not have to provide one. I never received one. Next, this was written off on XX/XX/XXXX by the original creditor. They never sold the debt to PFA. I do have the write-off letter to prove my case that this, as of XX/XX/XXXX, is an invalid debt and by PFA continuation of the collection is a fraud. I have requested a full transactional history of my account. XXXX from PRA said I would have it within 10 days. I have not received that, but I did get a letter dated XX/XX/XXXX asking for fraud information. If they bought this debt from XXXX XXXX why have they not done their due diligence to get to the bottom of it. They are violating my rights under the FDCPA. They are literally breaking the law by collecting on a debt that is no longer valid for the sake of trying to collect on the debt. The letter from XXXXXXXX XXXX  will be attached.
Product: Student loan

This issue is due to Mohela incorrectly placing me into an interest bearing voluntary forbearance currently while I have an XXXX ( XXXX ) plan application still pending and should instead be on a 0 % interest forbearance. They have refused to remedy this and are essentially scamming me out of fraudulent interest charged each month. 

I was previously on the XXXX repayment plan with 0 % interest and no payments required up until the date set by XXXX XXXX on which payments would resume. Prior to this date, I consolidated my loans to take advantage of the " one time adjustment '' offered by XXXX XXXX 's policies. After the loan consolidation was completed, I was automatically placed back on a " standard '' payment plan which I can not afford due to being in a low paid training program ( medical residency ). I then applied to be put back on the XXXX plan on XX/XX/year>, which I was on prior to consolidation. While my application was processing, the courts blocked XXXX and so the application has been pending ever since. I was able to submit another application for XXXX on XX/XX/year>. Both are still processing with no updates. 

Initially I was placed on a 0 % interest " administrative/paperwork processing forbearance '' but after a few months this expired. I called Mohela at that time to request it be extended until my XXXX applications were done processing, but they said my only option was a " voluntary forbearance '' ( which does NOT count towards XXXX months and also DOES accrue interest ) so this is what I'm currently on. I am asking for your help to get me back on a 0 % interest administrative forbearance until these payment plan applications finish processing, as the loan servicer is now fraudulently applying interest each month to my loans due to forcing me into the incorrect " voluntary forbearance ''. Thank you in advance for your help!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : late payment XXXX  XXXX XX/XX/XXXX {$400.00} collection XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$2500.00} XXXX  XXXX XXXX XX/XX/XXXX {$50.00} XXXX  XXXX XXXX XX/XX/XXXX {$180.00} XXXX  XXXX XX/XX/XXXX {$1600.00} Employers : XXXX  Name : XXXX XXXX XXXX Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I am writing to address the recent unlawful repossession of my vehicle by Digital Federal Credit Union. It has come to my attention that this action violates my federally protected consumer rights, particularly given the lack of a clear and clean title for the vehicle in question.Upon thorough investigation, I have discovered that there were pre-existing liens on the vehicle prior to my financing agreement with the credit union. This crucial information, verified through a forensic audit, grants me bona fide purchaser rights, which should have been respected by Digital Federal Credit Union.Furthermore, I am deeply concerned about the fraudulent transfer of the vehicle title, which I suspect was done unlawfully. Therefore, I am formally revoking any power of attorney granted to the credit union in this matter.Additionally, I request immediate access to the credit union 's bylaws and the certificate of ineptness, as well as a clear title search to ascertain the authenticity of the title transfer process.Furthermore, I have not received my IRS Copy B after the filing of the 1099C, and it is evident that the debt has been charged off without proper communication or adherence to legal protocols.I assert my rights to redemption, especially considering that the vehicle repossession still negatively impacts my credit report.I demand prompt action to rectify this situation and restore my rights as a consumer. Failure to comply will result in further legal action.Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts on my credit report I do not recognize
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE BANK USA with account number XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/2020. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted dispute with Trasunion XX/XX/XXXX regarding XXXX XXXX XXXX. 
Investigation or responses never done within 30 days.
Product: Credit reporting or other personal consumer reports

I was completely taken aback this morning to see inaccurate accounts suddenly appear on my credit report, and I cant understand why this is happening. During my routine credit check, I was alarmed to notice discrepancies Ive never seen before.
Product: Credit card or prepaid card

This is an extension of Complaint XXXX. After Barclays failed to adequately address my concerns, I discussed with Barclays representatives that i would return the merchandise that was purchased. I was told by XXXX XXXX and two other employees of Barclays that i would receive a full refund of the exact amount I was charged without any exchange rate issue. These people were XXXX id # XXXX, XXXX XXXX id # XXXX and XXXX XXXX. In reliance of these three representatives, I returned the merchandise and was issued two receipts equal to the purchased amount in Euros. No restocking fee at all. However, Barclays, did not give me a full refund. The difference is nearly {$40.00} off from what was charged on my account. I want the full refund of my two charges as represented by these people. I am attaching receipts and screen shots of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint to you today to notify you I am a victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to complain to the 3 bureaus through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX  XXXX .... Balance : {$1900.00} XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2100.00} XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX : {$2900.00} CXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$260.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$260.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$110.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$490.00} XXXX XXXX XXXX Balance : {$73.00} XXXX XXXX XXXX Balance : {$290.00}
Product: Credit card

Consistently, I've made sure payments on this account are timely, preventing any overdue occurrences. I'm uncertain why there are reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

The creditor knowingly approved a loan for me despite being fully aware that my income was insufficient to meet the repayment obligations, anticipating that I would default and they could repossess the vehicle. This predatory tactic has been a recurring pattern for them, leading to multiple lawsuits. Thos same tactic caused a financial strain has adversely impacted both XXXX and my XXXX, significantly damaging my credit. After enduring this situation for several years, I eventually settled with them to resolve the matter. However, the lingering negative reporting continues to cast a shadow over my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached you will find 252, the front page of my credit report from Equifax dated XX/XX/XXXX. 253 will show you my report number and personal information. They STILL have not removed the address-more details in next section. 254 shows LATE PAYMENTS for XXXX XX/XX/XXXX. I have never been late. 257 shows XXXX being reported as late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have never been late. For both accounts, I established a HARDSHIP program in which I agreed to pay a lower amount while I would be undergoing treatment/surgery. I was verbally told this would " NOT BE REFLECTED AS LATE PAYS IF YOU KEEP THE HARDSHIP PAYMENT ''. I have never missed a hardship payment. I have been fed lines of nonsense and they refuse to fix it. So now, the bureau ( s ) who choose to report these accounts as negative accounts while I was fighting for my life-literally-can do as I asked of them under the FCRA rules. VERIFY/VALIDATE EVERY LATE PAYMENT. Send me the name, phone number, operator number, address of whom you verified and validated every said late payment. If you can not do this for EVERY late payment, you must remove it or place an " X '' or " NA '' in it's place and list the account as a positive account with zero late pays. It is not fair that a person takes responsibility and gets onto a hardship program, makes their promised payments, still gets reported late. I WAS NEVER LATE! Prove me otherwise. 258 needs immediate removal. XXXX  and Equifax have not been able to VERIFY OR VALIDATE XXXX XXXX. In addition, I have never applied for a line of credit with XXXX XXXX by phone or video and they can not prove otherwise. Furthermore, there is NO PHYSICAL CONTRACT and no proof of MY PHYSICAL SIGNATURE with them or the company they claim to have bought the debt from. 259 same situation. XXXX has NO PHYSICAL CONTRACT, NO PROOF OF MY PHYSICAL SIGNATURE, NO VIDEO OR PHONE recording of me asking them for a line of CREDIT. FCRA states if you're not going to verify/validate as 100 % accurate it can not remain on the report. 

If this is not done, I will be taking you to my local court venue to sue you for removal of false information and requesting {$1000.00} per offense plus court fees. 

In light of the recent changes to the FCRA ( FACTA ),  consumers now have the right to go directly to the original creditor and ask for proof of negative information. In addition, court case opinion XXXXo. XXXX XXXX by the US Court of Appeals XXXX Circuit, Nelson Vs. Chase Manhattan,  the court rules that the creditor has the responsibility to investigate and make sure that the correct information is being reported to the bureaus, and that the consumer has the right to sue under the FCRA, should his or her rights be violated. 

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

I look forward to an uneventful resolution to this matter.
Product: Credit reporting or other personal consumer reports

I was a victim of the Equifax Data breach and Identity theft. As a result, many fraud accounts were opened in my name illegally. I have tried to work with Equifax on this and Equifax has done nothing. They are allowing Illegal accounts to remain on my report. On identity theft that there data breach has caused I have also been made aware on news of there false investigations. Please help me remove these illegal accounts from my reports effective immediately. I have attached a copy of my FTC IDENTITY THEFT REPORT also my POLICE REPORT with XXXX XXXX XXXX  where the thefts took place and Proof of My identity. Fraud accounts on my report consist of XXXX XXXX XXXX {$29000.00} XXXX XXXX  {$670.00} XXXX XXXX {$2900.00} XXXX XXXX {$2400.00} I appreciate your help in this matter this has impacted me financially and mentally XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have attempted to communicate with each company. To provide proper identity to prove that accounts are not a match. All companies ' agents are located offshoreissues must be delegated appropriately and resolved. Customer service could have been more cooperative in several attempts to resolve the matter.
Product: Credit card or prepaid card

I bought a gift card and put {$25.00} dollars on this card and I couldn't use it so they sent me a regular card with my name on it and I didn't want to make an account I just wanted to use it in case of an emergency well I tried using my card and they can't find my account and I tried calling them and all I get is a recording I tried emailing them to no Advil so I want to know where is my money at. And if possible I want to get my money back or tell me what happened to the money. I'm just to use my card so I can the money I put on this card
Product: Credit card

i had citi thank you prefer credit card for 10 years. They somehow decided to close my account for their own reason. No explanation given. Only letter stated that they have a right cancel the account. I have no problem with their decision because all other credit card companies are happy to have me as a customer. My problem with Citi bank closing my account is they forfeit/cancel/kept my XXXX points. they say that they have a right to do that too. That is a rubbery, i would call.
Product: Debt collection

Firstly, I have reported this fraud and debt collection issue in a prior report on XX/XX/XXXX. The report number for CFPB is XXXX. 

This new complaint is being made because XXXX XXXX is attempting to collect this debt again. I received a new notice from I.C. System Inc. that was dated XX/XX/XXXX. The letter requested payment for {$2000.00} of which {$1600.00} is claimed as debt and {$420.00} is claimed as " You were charged this amount in fees. '' I have responded to the debt collection attempt by refuting this again for fraud. 

During my first report period ( last year around XXXX XXXX ), I followed every step and obtained a police report. I communicated with the debt collector ( XXXX XXXX ). I sent in the requested information which included the police report and a " XXXX XXXX ''. Ultimately this debt collector removed the listing from my credit report and I assumed this was over. 

However, XXXX XXXX is attempting to collect a debt that they should know to be false. I believe that XXXX XXXX is taking actions against me and my excellent credit profile to collect a debt that they know or should know is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 the amount of {$5600.00} was disputed for the second time, while asking for full verification the company has failed to comply by not providing a signed contract with a complete statement of accounting as required by law. 
XX/XX/21 the amount of {$3300.00} was disputed for the second time, while asking for full verification the company has failed to comply by not providing a signed contract with a complete statement of accounting as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see pages 13 and 14 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  and XXXX  however, Equifax has not removed this from my credit report. I have contacted the bureau to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Mortgage

I have been with Carrington Mortgage for quite some time and I always paid online via XXXX XXXX ( that is the only way to pay ). In XXXX of 2015 I made the payment and it did not go through and I found out via USPS which took about 5 days. I attempted to call and I held for over 50 minutes, and tried again on XXXX separate occasions to no avail. They do not have e-mail so I immediately got a check out in the mail for this was the only way I could make a payment and in it I wrote a letter to let them know that they were having difficulties with XXXX XXXX and this was an honest mistake. In XXXX of 2015, I again attempted to make a payment via XXXX XXXX followed with another phone call 2 days later and was told it went across ( never was there an error from XXXX XXXX transaction ). I now have a blemish on my credit score after sending them XXXX letters ( there is no other way to contact them ). I am attempting to get another loan with another company with a lower interest rate that is accessible. With this issue on my report I can not go foreword and am having great difficulty talking to them!!! Please help me with this frustrating situation for I have been dealing with this for months!!! This was not my fault, I am a widower, XXXX that works full time and am diligent on paying my bills. I need to get this off my report to get a lower interest rate so I can start planning on my retirement. 
Kind Regards, XXXX XXXX
Product: Credit card

I paid off a credit card on XXXX/XXXX/2015. I received my next statement on XXXX/XXXX/2015. The statement shows my XXXX cash payments ( due to transaction limitation of online bill pay service ) The statement shows a previous balance of {$13000.00} It shows a payment/credit of {$13000.00} There were {$44.00} in purchases and an interest charge of $ XXXXXXXXIn the " interest charge '' portion of the statement, it shows a " Balance Subject To Interest Rate '' of {$4900.00} for an interest charge of $ XXXXXXXXWith a previous balance of {$13000.00} I did not understand the " Balance Subject to Interest Rate '' or how it was calculated. I called the bank and was told this was " Residual Interest '' or trailing interest. The bank further explained that the balance was a calculation of the average daily balance from when the account first started to carry a balance SEVERAL YEARS ago to the point when the account was paid off ( XXXX/XXXX/2015 ) My understanding of the recent credit card law changes was that this was illegal, in that, credit card companies were not allowed to calculate " trailing interest '' further back than the current billing cycle. In other words, it is illegal to calculate an average daily balance over the life of the card ( life of a balance carrying card )
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$780.00} XXXX Inquired on XX/XX/ LEASE END Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00}
Product: Debt collection

I recurve a copy of my credit report.. I am concerned about the infirmary being reported. Please investigate the following accounts, because I do not believe the information to be accurate. Please remove the inaccurate information from my credit report. XXXX XXXX XXXX 
Last for digits of ss # is XXXX I didn't open this account that is in direction violation of 12 CFR 1006. 34C ... 12 CFR 1006.6C.. 15 US 1682 e ( b ).. US 15 1681s- ( 2 ) A According to the FCRA , accounts that have been disputed by the consumer, must be noted as such. I have repeatedly stated that this account was opened up fraudulently. Your failure to investigate this account, and notate it as such is in violation of the FAIR CREDIT REPORTING ACT! please remove it Immediately from all three credit bureaus!