23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC, for committing identity theft. I have never given Portfolio Recovery Associates , LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from Portfolio Recovery Associates , LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Portfolio Recovery Associates , LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I have not validated any alleged debt with Portfolio Recovery Associates , LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Portfolio Recovery Associates , LLC any right to collect on this alleged debt. 
I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery Associates , LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery Associates , LLC, continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Debt collection

I received communication from XXXX XXXXXXXX XXXX in regard to a debt they say I owe. I have never done any kind of business with this company. I asked for validation with something bearing my signature that says I'm responsible for this debt. I never received anything from them validating this debt. Per the Federal laws, if they can not provide validation with a legal document bearing my signature or a contract I signed with them, they have to cease all collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX account # XXXX ; Original account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been disputing a 30-59 day late payment for XX/XX/2022 from a personal loan to all 3 major credit bureaus and XXXX XXXX directly . They do not correct the inaccuracy. This information is unacceptable.
Product: Debt collection

I am disputing the information being reported by LVNV Funding LLC on my credit report. I contacted them asking that they please provide documentation of the alleged debt. My attorney contacted them asking the same. The company refused to provide any documentation showing the debt, amount of the debt, contract between myself and the original creditor or any type of documentation. Instead the company replied by asking me to provide documentation of the debt. I provided what was reported in my credit report which is all of the information that I have. If the company is stating the debt does in fact belong to me then they should also have all of the information. My attorney then contacted the collection agency requesting if such documentation can not be provided to please remove the debt from my credit report. The company did neither provide documents or remove the debts. At the time of contacting LVN Funding LLC they were reporting two separate accounts on my credit report. I was advised that one account showing a total of {$170.00} has since been removed from my credit report.

However, they are still reporting one account showing a total of {$130.00} which I have yet to receive any documentation showing proof the alleged debt even belongs to me. I am again requesting if documentation can not be provided the debt be removed from my credit report immediately. I am included in this dispute the correspondences between my attorney and the Collection agency reporting the debt.
Product: Student loan

My student loans have been in repayment for more than 20 years which should qualify for immediate forgiveness according to the one-time adjustment to fix IDR loan forgiveness.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I noticed an collection on my consumer account with inaccurate info from a 3rd party debt collector. I sent them a letter on XX/XX/XXXX to the mailing address they have listed on consumer reporting agencies for dispute. I sent the letter certified mail and the mail got forwarded back to me because they changed address without updating their info elsewhere not giving me no chance to dispute these inaccuracies or investigate and validate the debt for me under 15 usc 1692G. I sent the letter certified mail with USPS tracking number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXXXXXX XXXX Balance : {$0.00XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Credit System International located in XXXX Texas has reported 6 medical collections on my XXXX credit report and after several attempts to have them removed because 1. They do not belong to me, 2. They have violated my HIPPA rights according to the FRC law, and 3. I didnt give permissible to Propath if I did owe these debt which I dont to sell my information which is HIPPA to a collection agency. I have asked and now I have filed a suit complaint because they will not remove from my consumer bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have six ( 6 ) inquiries on my credit report that I did not authorize. My personal information was released without permissible purpose and the credit bureau has refused to respond to my dispute. I have sent two letters and waited over 45 days without response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion and XXXX are all reporting XXXX XXXX  that are not mine, and never happened. I had a XXXX XXXX XXXX which filed on XX/XX/XXXX. This XXXX provided relief I was seeking. Yet, the 3 bureaus are reflecting additional XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. Neither of these are mine and I need them removed from these reporting agencies immediately.
Product: Student loan

Hello, my name is XXXX XXXX, I 'm writing this complaint against XXXX and Navient and XXXX. the schooled that I attended closed down during attendance. I did not benefit form the school and what I mean by that is there was no degree or certifications. there were no transferable hours to take to another school those option were not available. so now here I 'am fighting this and have been for Years. I have been bullied into paying what I have already payed. and now they want me to pay some more. the loan was for XXXX and something. the promissory note says the school only accepted XXXX. I 've been threaten with garnishment twice and paid something to stop it and over the years my income tax was used to off-set this debt. I recently applied for a school loan discharge and Navient has told me I did n't qualify because the 120 days rule that 's on the student website. but there is other clauses in there that qualifies me. and they want me to pay double. they have the loan in my married name which is XXXX which I did not change. and promissory note is in XXXX. which I feel is fraudulent and they have it on my credit report. and XXXX do n't know of them until the other day when I checked my credit report and there they were reporting this loan as if I opened it this year my credit score has drop because of all this reporting.
Product: Checking or savings account

Formal Complaint Regarding ATM Deposit Hold To Whom It May Concern at the XXXX XXXX XXXX, I am filing a formal complaint through the XXXX XXXX XXXX regarding the hold Chase Bank XXXX XXXX and XXXX XXXX Branch Name : XXXX XXXX XXXX XXXX XXXX XXXX Type : Full-Service, Office State & County : Virginia - XXXXXXXX XXXX XXXX XXXX : XXXX Zip XXXX : XXXX Phone Number : XXXX Office Address : XXXX XXXX XXXX XXXX, XXXX, VA XXXX placed on two deposits I made on XX/XX/year>, at their ATM located at Chase Bank XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX . I deposited two {$500.00} money orders into my Chase Bank business checking account under the name XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. The account is owned by XXXX XXXX. However, I was notified that these deposits have been placed on hold without an adequate explanation or clear communication of the reasoning behind this action. This has caused significant inconvenience and financial strain, as these funds are crucial for my financial obligations.
Product: Student loan

I took private student loans fr om  XXXX . I 've be en paying more than the minimum on time for the better part of a decade. This month, the servicing of my loan was transferred to   XXXX   XXXX  .     I disagree with this practice on an ethical level. I am not a commodity and should n't be treated lik  e one. But, I can deal with the headache of my loan servicer changing.
My complaint is that   XXXX   XXXX   does not allow   me to schedule payments in advance. I can either set up auto-pay for a specific amount on a monthly basis or pay online. The problem is that when I pay online, I can only schedule my payment for that day. This makes paying my loans off more difficult and makes it more likely that I 'll pay more over time.     I like to pay my monthly payment ahead of schedule and then make additional payments each time I receive a paycheck. This has been a really effective way to pay off my loans faster.     Not being able to schedule these payments ahead of time makes it more likely that I 'll make my extra payments later, which costs me more in interest.   XXXX   XXXX   provides a negligible level of customer service and a terrible user experience.     It 's entirely reasonable to expect that I 'll receive equal or greater quality customer service when my loan is transferred against my will.
Product: Mortgage

I have a mortgage with 1FirstBank whom is based in XXXX XXXX, PR. My home is a new construction that I closed on in XXXX of 2019 and 1FirstBank was the builder 's choice of lender, not mine. 1FirstBank was continually made error in servicing my loan and I am quite frustrated. When I call their service center, there is a language barrier and it is difficult to understand and comprehend. Most recently, {$440.00} was taken from my Escrow for " Insurance '' and I called and questioned and the rep told me is was for hazard insurance. That didn't make sense so I called a day later and another rep had me on the phone while she summoned a supervisor and ultimately found out that amount was for built up PMI. So, the original info was wrong which is dangerous. 
Furthermore, 1FirstBank did pay my hazard and flood insurance renewal 60 days before it was due based on last year 's amount not waiting for an updated bill and not taking into consideration the insurance was subject to an increase. To compound the problem, XXXX XXXX never received those payments and now that amount in addition to the increase is due. When I call, again I get so many variations in what happened to the payment. Total incompetence. 1FirstBank should not be allowed to sell mortgages in the mainland USA.
Product: Mortgage

I am a XXXX XXXX XXXX Veteran and XXXX XXXX. I completed XXXX year and XXXX months of XXXX XXXX. I completed approximately XXXX years and XXXX months in the active reserves and XXXX XXXX. To reduce personnel, the XXXX XXXX offers a voluntary program called XXXX XXXX. What this program does is allow a veteran to voluntarily separate from XXXX XXXX into the XXXX XXXX XXXX XXXX. The XXXX must then double the amount of time owed on XXXX XXXX ( in this case XXXX years and XXXX months ) and complete this term in the active XXXX XXXX XXXX. I accomplished this. Had I known that separating from the XXXX XXXX XXXX XXXX XXXX prior to XXXX years of completing XXXX XXXX, I would have stayed and at least met this minimum requirement. 

I have purchased and/or refinanced homes XXXX times each time receiving a Certificate of Eligibility ( COE ) from the VA. Now, I am applying for a VA loan with Freedom Mortgage. Almost all areas of the process have been completed to approve the loan ; however, the VA will not issue a COE thus preventing Freedom Mortgage from completing the loan. I served my country, I am a Veteran, and I served honorably. I should be allowed to receive a COE since I have been given XXXX before as a veteran. I think this sets a precedent. The VA denied sending the form to Freedom Mortgage. The VA informed me that since I did not serve XXXX years XXXX XXXX, I am not eligible for the COE to use the VA loan benefit I was promised back in XX/XX/XXXX when I separated service to join the active XXXX XXXX XXXX voluntarily and with the Air Forces ' blessing. I XXXX from the XXXX XXXX in XX/XX/XXXX or so.
Product: Credit card or prepaid card

Union Bank Credit Card ( Card ending in XXXX ) I used their Promo Balance transfer option. 
" Enjoy 0 % Promo APR on Balance transfer through XX/XX/XXXX '' ( 3 % fee ) I transferred {$8000.00} into my account and paid the {$240.00} fee. 
Total amount of {$8200.00}. Transfer on XX/XX/XXXX. 
Since I had 0 % interest till XX/XX/XXXX, I set up automatic Minimum payments on that account, but on the first payment, Union Bank took the total Balances of XXXX XXXX out of my XXXX  XXXX XXXX account. 
So they basically made the {$240.00} fee for them self. The {$8000.00} was in my bank for about 2 1/2 weeks. I called them several times and basically just got the " Run-around ''. 
Like saying someone is gon na look at it and contact me etc. Never got a call back. I called them like 5 times in a 10 day period. 
They just cashed in the {$240.00} and ran!!!!!!!!
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX Subject : Request for Deletion of Paid and Closed Account Due to Negative Impact on Credit Score Dear XXXX XXXX XXXX XXXX , I am writing to dispute the information reported regarding my account with your bank. This account, opened on XX/XX/XXXX, has been paid off and closed, with a XXXX balance. However, despite the account 's closure and balance resolution, it continues to be reported as affecting my credit score, which is an unfair and incorrect representation of my credit history. 

Reported Balance : {$0.00} Account Status : Paid and Closed Date Opened : XX/XX/XXXXXXXX  Date Closed : XX/XX/XXXXXXXX  Amount Past Due Reported : XX/XX/XXXXXXXX  This account is continuing to negatively impact my credit score, even though there is no remaining balance and the account is closed. According to the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be completely removed from my credit reports due to the fact that it is inaccurately reflecting a past-due status and harming my credit. 
I kindly request that you promptly delete this account from all credit reporting agencies. Please provide proof of its removal within 30 days, as the current status is severely affecting my credit score and hindering my financial progress. 
I look forward to receiving confirmation of this removal in writing within the stipulated time frame. 
Thank you for your prompt attention to this matter.
Product: Checking or savings account

On XX/XX/2018 I received an email from Wells Fargo saying a {$18.00} from XXXX XXXX XXXX was sent back. No explanation why. Wells Fargo charged me {$12.00} fee. Because XXXX XXXX XXXX check was sent back. It seems to me that having an account for 13 years at the same branch location, Wells Fargo is charging excessive fees {$37.00}. This month alone. For an account that has an average balance of {$22.00}. 

This is not the first time I have had issues with Wells Fargo charging fees that appears to be harsh or questionable charges to one or more accounts and it's exhausting. They seem to complicate.
Product: Credit card

This is a Paypal Credit issue. 
I have a different balance from XXXX XXXX to XXXX XXXX. 
I have NOT used Paypal credit since XXXX XXXX, 2015. 
I have NOT used Paypal Credit for four business days, yet the overall balance changes from XXXX XXXX to XXXX XXXX, 2015. 

I called Paypal at XXXX and XXXX. 
The responses did not address the balance change. 
It has to be some Hidden Fee. 

Thanks. XXXX XXXX
Product: Checking or savings account

Good afternoon Fifth Third bank I tried to call several times today XX/XX/XXXX to the call center to open a merchant dispute. 
Was impossible to reach someone because the system requested the SSN all the times ( I dont have one ) so the call was ended all times. 
Details : XXXX XX/XX/XXXX and XXXXXXXX XXXX I went to the store XXXX XXXX in XXXX XXXX to buy XXXX XXXX XXXX XXXX for a work project that I was developing there at that time. The purchases took almost 1 month to arrive so at the time of the delivery were no longer needed, so I went to the store in person on XX/XX/XXXX to return the Ipads and requested a refund. 
The store accepted the return and return slip was issued on the same day, giving not more than 5 days to have the credit posted back to my account. They have a return policy of 30 days after delivery date for a full refund. 
The refund was never posted to my account so I contact them again on XX/XX/XXXX and they didnt provide any solution for the case.
Product: Student loan

I took out a student loan close to 15 years ago for XXXX dollars. It was only for 1 semester and never continued with college. I was doing by best to pay loan. Went through a divorce and eventually file bankruptcy. This entire time I was not able to make payments and I was not allowed to include in my Bankruptcy. Eventually I was able to start making payments again but my loan processor kept on putting me into these repayment plans because i wasn't able to afford there requested monthly payments. I have been making payments on a monthly basis for the past 7 years and my current balance of the loan more than the original loan amount. It was never explained to me that all my payments would just be going to the interest and that I would also be getting charged capitalized interest as part of these repayment plans. I also find it interesting that my current loan servicer, Navient, decided that after I was going to make a complaint with them and question my loan that they were going transfer my loan to a different servicing company. That just seems a bit odd unless you were guilty of something.
Product: Credit card or prepaid card

I made a payment to XXXX for the amount due on the due date. It was after I got home from work, about XXXX XXXX and submitted it. When I checked my statement today I saw they charged a late fee of {$37.00}. The due date was the XXXX of XXXX  and made on the XXXX. They processed it on the XXXX. When I questioned them on the charge they said I made it after XXXX  Eastern time. There is no place on the statement giving a time restriction. If that was the case they should have required it be paid a day earlier so they can do their job and post it properly.
Product: Credit card

On XX/XX/XXXX i noticed fraud charges on my card and requested for a replacement. It is my only functioning card and as of XX/XX/XXXX- i have not yet received my card. every conversation with the citi customer representative is " card has been mailed and you should get it ''., Request to get it expediated was not accepted. Worst service to date by the citi card.
Product: Mortgage

i have been workinig with the companyy to repay mortgage behind by 20 months i have been told i am eligable for plans then the company doesnt give me the correct information. i spoke with sps was told i was eligable for a program in MN then 2 days afer when i called back i was told my account had been sent to an attorney and i couldnt even make a payment and there was nothing they could do. i was informed there is a moritorium on forclosure in my state and they are supposed to allow me a loan modification by extending the term of my mortgage. they have given me a date of XXXX XXXX for the attorneys next step. i want to keep my home and have even sought forbearance. at this point they have no interest in helping.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not conducted their own verification of this information as required when requested by me. I am requesting that they certify to me that this information has be verified by them and not XXXX XXXX.
Product: Debt collection

I had previously reached out to this company on or about XX/XX/XXXX, because I had something placed on my credit report, In the amount of {$700.00} dollars. I had no knowledge of where this account came from, they instantly removed the account from my credit report after speaking with them on the phone. Someone called on or about XX/XX/XXXX to speak to me about a debt that they had tried to collect, in that conversation I let them know that I only wanted mail correspondence and to stop calling me. A week later, I received another call from the same company, I stated on their recorded line that I only wanted to have a mail correspondence for my records. This company has called me every week and has yet to send mail correspondence. On XX/XX/XXXX, I was called again, I attempted to set up and arrangement with the company in order to pay back said debt although the debt had not been verified, after asking them how much they had paid for the debt, I was offered a payment plan for {$350.00} dollars, I was sent an email with a portal to pay but with no set amount and with no account information. XXXX XXXX then told me that this account would be added to my credit report and that I had to pay it or it was destroy whatever I had planned for the future, I was also told that they were not a debt collection agency and that they were lawyers hired to get their clients money back. On XXXX XXXX, the same company called my mother in law and then myself about the same debt and again on XX/XX/XXXX and XXXX. On XXXX XXXX, I was called in the middle of a job interview and was immediately dismissed. These calls have gone from down right annoying to straight up harmful.