23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern : Your company is reporting the below-referenced account on my credit report as a collection account. 

XXXX XXXX amount for {$720.00} no record of this debit that was open on XX/XX/scrub>XXXX  I have disputed this item with the credit reporting agency, and they reported you confirmed the account as valid.

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.

I am writing to request that you, please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
XXXX. What is your authorization of law for your collection of information? 
XXXX. What is your authorization of law for your collection of this alleged debt? 
XXXX. Please evidence your authorization to do business or operate in this state. 
XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
XXXX. Please provide a complete account history, including any charges added for collection activity. 

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and promptly, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it.

For 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my credit report : XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Student loan

I have applied for teacher student loan forgiveness from Navient twice in the last year. I meet all the criteria to have my student loans forgiven. I feel they are illegally denying me what I have earned in order to keep my payments coming.
Product: Debt collection

the collection agency is called ADMIN RECOVERY LLC, in New York. The man that works that doesnt give you his name, has called me several time and even family members of mine. Claiming I owe a debt of XXXX. After itold him he had the wrong person, the wrong number, i told the man i never had an account with that amount of money and much less an account with XXXX XXXX But he insisted in harassing my family and I, and now he sent me a letter to collect the debt, after i specifically told him he has the wrong person, so I sent his office a letter requesting for validation of this debt and requesting proof of documentation that proves that links me to this debt ( sent on XX/XX/2018 certified ) and the company has not responded as of yet. They have the wrong person and Im tired of the harassment.
Product: Debt collection

On XX/XX/XXXX, I made contact with Southern Management Systems, out of XXXX, Florida so that I could finally start making payment arrangements with the company to start paying off this debt. This debt was put onto my credit 6 months, after being forced to break my lease with my prior apartment complex due to Job Loss and being unemployed for quite some time. I spoke to XXXX at extension XXXX and explained my situation, and updated him on the changes and advised that we were now in a position to start making payments in small increments every other week or every week, working around other bills. He then asked me if I was able to make the half of the balance payment in order to negotiate for a smaller balance. I told him that right now, that was not possible and that we needed to take things slow. He understood. He then advised me that I could go ahead and just start mailing in payments as I saw fit every week. I told him that I would not mail in money orders, because money orders tend to get stolen and it takes weeks to get it back. I then told him that I needed to make my payments online, and he said that was fine. Since XX/XX/XXXX, I have made 8 other calls to try and make payments on their sms-collects.com website, which goes through a 3rd party, with no success. It keeps telling me to verify my account number and pin number and try again. Since XX/XX/XXXX, I have been in constant contact with XXXX at XXXX XXXX and he's told me that they don't know why I am getting that error and said they checked with their clerical department who also could not tell me why I was getting that error. The last call I made to XXXX was on XX/XX/XXXX, and I left a voicemail stating my frustration and that I really needed some help on this. I told them I want to pay them. I have not received a call back since and today is XX/XX/XXXX. So, Since I have made a total of 9 calls and can't get an answer back on this, I would like to file a complaint, because it seems like they do not want to help someone who is willing to pay on their debt and if they can not even return phone calls or fix their website, then I am not willing to possibly sacrifice XXXX XXXX dollars in money orders, in the mail for it to possibly get stolen. This company has been in business since XXXX!!! It is unbelievable to me that they can not accept payments over the phone or give their debtors a reliable website to make their payments on, when everything is done for the most part, electronically now. So either they fix their website, or take a payment from me over the phone, Or, I am not paying this debt AND they need to remove it completely across all 3 of my credit reports, IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX I have 2 credit cards with comenity bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have all paid these cards for months, I use them and pay, however, in XXXX I downloaded my credit report because Comenity Bank did not report my payments to the credit bureau, I called the bank and they told me that they were changing the system and that I had to errors and they would fix it soon, then they updated the information. Today, XX/XX/XXXX, I receive an XXXX alert where I lower my credit for not paying the XXXX and XXXX card. and always paid them up to date. review and they do not report since XXXX and XXXX respectively. It is as if I did not pay up to date and my credit goes down instead of going up. Please can you help me.
Product: Money transfer, virtual currency, or money service

Hello, I am the victim of the Venmo scam. 
Long story short, I was scammed {$3000.00} in Venmo. 

Thankfully, my bank was right there with me to prevent the fraud and stopped those XXXX Venmo transaction to go through. However, Venmo is not doing the same. 
I opened the disputes and keep reaching out to Venmo for help to get my refunds, but the total opposite has been happening to me. 
Venmo froze my account, took my balance I already had to automatically apply to the negative balance of {$3000.00} and making me 100 % liable. 
No matter how many times I tell them the other payee was the scammer with all the evidences, they are just putting all those things on me and not doing anything with the scammer. 
Despite me being the victim, Im the liable and the bad guy to them. They keep tell me to reach out to my local law enforcement and I did. I made police getting involved, but they cant proceed because Venmo wouldnt give the search warrant about the scammer. 
I never felt so suffocated and betrayed by them. Not doing well mentally and and thought about many life ending thoughts because that money was all I had in my savings. 
Now as Im reading through some of the articles, if I dont pay that amount and leave it like that, I read that Venmo will eventually reach out to the collection agency about the negative balance. 

I was wondering if you can please help me find the justice in this situation, where I'm the victim and need to get my money back here. 
To them, {$3000.00} is a tiny amount of loss for their multi-billion dollar company. For me, this money is everything for my XXXX and personal debts. Im reaching out to see if I can get more info about them or you can help me bring this to the light. Thank you so much for reading through this. God bless.
Product: Debt collection

I am writing to request that you remove the fraudulent account that was opened using my identity from my credit report. I recently discovered that someone had stolen my personal information and used it to open this account without my knowledge or consent. 

I have already taken steps to report the identity theft to the appropriate authorities, and I am working to dispute the fraudulent charges associated with the account. However, I would also like to request that you remove the account from my credit report as it is damaging my credit score and financial well-being.

I understand that you may require additional documentation or information to verify my claim, and I am willing to provide whatever is necessary to support my request. I would also appreciate your prompt attention to this matter, as I am eager to resolve this issue as quickly as possible. 

Thank you for your understanding and cooperation in this matter. 

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

I've been trying to get access to my credit score from Experian for over 7 months now. I have called them several times and I still can't access my scores. I tried to pull my scores through a 3rd party app for purposes of credit monitoring and when I reached out to the app they advised that there was an issue with the information Experian was reporting. I have reached out to Experian multiple times. One time they said my information was correct and verified, another time they said their was a discrepancy with my personal information but couldn't check it because that department was closed. When I called back the morning to speak with someone in that department they said that my information was accurate and that they would send me a copy of my credit report. The last time I called was XX/XX/XXXX and they told me they couldn't help because their system was down and would give a call back, needless to say I never received a call back. I also use the Experian app and it's showing the last time my report was updated was XX/XX/2019. At this point I don't know what to do to access my report and my scores, I want to be able to purchase a home soon but have no way to find out what my credit score look like for Experian.
Product: Checking or savings account

An unauthorized checking and savings account were opened under my name on XX/XX/2023. I received an e-mail to notify me of it within hours of it opening. I called my local branch to let them know and they were supposed to cancel account, but they didn't. An hour later I received another e-mail stating that funds were deposited into the account. The only way to get in touch with Citizens Bank is to call the main number which takes at least a 1/2 hour to get through to and then the customer service is very hard to understand. 

My biggest concern is that this account was opened under my name and at the time all three credit agencies had my credit Frozen. I questioned this with the main customer service and they didn't seem to know how this could happen either. I did not get the feeling that Citizens Bank cared or were concerned that I had a problem ( possibly caused by their lack of security ). 

I filed a complaint with XXXX XXXXXXXX and put a fraud alert on credit report. We will see..
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon looking at my credit report. I noticed that the following companies have placed credit inquiries on my credit without my knowledge or consent. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/ XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/ XXXX XX/XX/XXXX I have spoken with the companies and Experian and informed them that I am a victim of identity theft and did not make these inquiries. The credit bureau is not helping me resolve the issues. They are not providing any evidence that the inquires were made by me.
Product: Mortgage

I have been pre-approved a mortgage loan by Penfed credit union on XXXX, XXXX, got offer then go through all the loan process, however the underwriter denied my conventional loan process had issues interpreting the guidelines I found out attached links are proof improperly interpreting the guidelines XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . We have a longstanding policy on eligibility for non-U.S. citizen borrowers. XXXX XXXX purchases and securitizes mortgages to non-citizens who are lawful permanent or non-permanent residents of the United States under the same terms available to U.S. citizens. 
XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX Eligibility Requirements ( XX/XX/XXXX ) XXXX  XXXX XXXX Eligibility Requirements. XXXX XXXX  purchases and securitizes mortgages made to nonU.S. citizens who are lawful permanent or non-permanent residents of the United States under the same terms that are available to U.S. citizens. 
XXXX XXXX XXXX XXXX
Product: Debt collection

Hello. This is a response to a listing on my credit report. Please be advised that L J Ross Associates, Inc has reported invalid information to the credit bureaus ( XXXX, XXXX, and XXXX ). This may constitute fraud under both federal and state law. Also, a violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and placed an account on my credit file ( for collection ). Account number # XXXX. This account was successfully disputed and reported to be fraudulent ( please refer to FTC report number # XXXX ). XXXX tried to place this account again ( for collection ) with XXXX XXXX XXXX in XXXX. And again, this year ( XXXX ) with L J ROSS ASSOCIATES , INC . I am prepared to take legal action if this information is not removed from my credit files. Please assist. Thank you.
Product: Credit reporting or other personal consumer reports

Final Demand for Compliance with Opt-Out Request Pursuant to 15 UCC 6802 Dear Sir/Madam, I am writing to you regarding a matter of utmost importance concerning my consumer rights and obligations under the Uniform Commercial Code ( UCC ). As per my Opt-Out Notice pursuant to 15 UCC 6802, I have formally requested the removal of reported information from XXXX XXXX XXXX from your records . 

Despite multiple requests made by me, XXXX XXXX, Experian Credit Bureau has failed to comply with my lawful request to remove the reported information from XXXX XXXX XXXX XXXX It is evident that your refusal to adhere to my request constitutes a clear violation of both my consumer rights and the UCC law. 

I hereby issue this final demand for Experian Credit Bureau to immediately cease and desist from any further delay or refusal to remove the reported information from XXXX XXXX XXXX in accordance with my Opt-Out Notice. Failure to comply with this final demand will leave me with no choice but to take legal action against Experian Credit Bureau for blatant violation of my consumer rights and the UCC law. 

I trust that you will treat this matter with the urgency and seriousness it deserves and take immediate steps to rectify the situation. Please acknowledge receipt of this final demand and confirm your compliance with my Opt-Out Notice within 10 Days. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Technical errors on the websites of the three major credit bureausXXXX, XXXX, and TransUnion has actually prevented me from accessing any of my credit reports. 

0 customer support from any of the three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

How can the hospital and credit collection agency charge exorbitant amount for a XXXX XXXX XXXX, submit a collection and charge off to my credit bureau without ever email me a bill in my name? The cash price at the hospital for treating this was quoted to us as {$100.00}. Original bill was {$740.00}, now trying to collect over {$1600.00} ( 227 % of original bill )? Seems unfair and violation of the fair credit reporting act! 

RE : XXXX XXXX XXXX XXXX Account # XXXX For XXXX XXXX performed on XXXX XXXX XXXX on XXXX XXXX was a minor at the time of service Debt Assigned to : Collection Consultants of California Reference # XXXX To whom it may concern, We would like to resolve this medical bill and have it removed from our credit report issued as a collection and charge off to XXXX XXXX and later in late XXXX to me, XXXX XXXX. 

Our son XXXX was XXXX XXXX XXXX XXXX during a basketball game in XXXX, CA on XX/XX/XXXX. 
His cut was under XXXX XXXX below his XXXX and less than an XXXX in length. We took him to the closest hospital after his game to see if he needed XXXX. At the time of this service, we were asked if we wanted to pay cash {$100.00} or if we wanted to bill it to our insurance. We gave our insurance card and also paid the {$100.00} which was most likely for the deductible for insurance. 

The cut required no XXXX, it was wiped clean, dressed with derma-bond ( glue ) and dressed with a butterfly band aid. No further medical attention was given. 

We were shocked to receive a bill for an additional {$740.00} dollars and to see that our XXXX XXXX insurance was also billed for {$650.00}. We called the hospital several times to see if we could get the bill lowered and were expecting to be notified via mail that there would be a substantial discount. Instead, the bill was sent to the above mentioned collection agency for {$790.00} and then subsequently raised to {$1100.00}. 

On XX/XX/XXXX, I called the above collection agency and they stated with interest, it would now be {$1600.00} to have it removed from our credit report. 

We would like to ask that this bill either be : 1 ) Credited 100 % and removed from our credit report since there was already {$750.00} paid in total to the hospital in XXXX. 

or 2 ) Substantially reduced to a small amount for us to pay and have it removed from our credit report. 

To help resolve this issue we are also copying : XXXX XXXX XXXX XXXX XXXX California Medical Association - Institute for Medical Quality > Consumer Finance Protection Bureau > Medical Billing  Advocates of America > The Joint Commission > The Medical Board of California > California Insurance Commissioner Hopefully we can resolve this quickly. Thank you. 

Best Regards, XXXX XXXX - Father of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone XXXX
Product: Student loan

I attended XXXX XXXXXXXX XXXX in XXXX and at their XXXX XXXX XXXX. However, I only attended the XXXX school for 5 months, and there are loans in my name for longer periods and higher amounts than I initially applied for ; with my father being the co-signer. I never signed any documents, nor did my father. I also, didn't realize that I have been paying these loans for years that were fraudulently attained. I am on XXXX XXXX XXXX XXXX at the moment, so with all the mounting bills I started asking for documents a couple years ago, and was always refused by Navient, and since both school locations are closed I have never received any communication from XXXX. I never authorized or allowed them to apply for loans in my name, and my father was not in XXXX therefore he could never have co-signed any documents to approve the loans. In addition, the same seems to be the case for the XXXX XXXX location. I did not sign documents for loans and I did not take the classes that seem to be attributed to my so called degree. In addition to that my father was never in XXXX XXXX to co-sign documents, as he lived in XXXX  and never visited XXXX XXXX or XXXX during my residence in either location. Navient, pushed me into forbearances that I never requested. I had payments constantly misapplied, so I was always delinquent on my payments according to the company reps, and would have to call monthly or pay late fees. Eventually they began to report these so called delinquencies to the credit agencies, and my father 's credit went from high XXXX 's to the XXXX 's and mine fell drastically as well. As a person who is on SS XXXX, these payments were not feasible to keep up with when false late payments added up. I am not sure how the schools were able to fraudulently get loans in my name and how Navient or Sallie Mae before them allowed these to be paid out, and why they constantly were able to deny my right to see these documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following closed student loan accounts are all over a decade old yet keeps reappearing on my credit report. According to the FTC, they must be removed as they are too old to be on file. Remove these from my Experian credit report immediately. 



U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was laid off from work.. As one can expect I fell behind in my payments to creditors. I notified all of them explaining my situation and asked for forbearance. All were willing to work with me except Discover card and XXXX XXXX ( mortgage company ) I was able to return to work in XX/XX/XXXX. However, I was forced to relocate 4 hours away from my home.. So now more than ever my credit became crucial. 
I immediately began to make as many payments as soon as it became possible.. However, Discovercard not only refused to give me forbearance.. They also refused to acknowledge that I made a payment of {$440.00} within the grace period for XX/XX/XXXX which I have documented proof that I did. They deliberately posted my payment as late on XX/XX/XXXX after I made an online payment on the XXXX just to show my account as 90 days late. 
If that isnt bad enough they signed me up for autopay without my consent therefore committing FRAID. So in XX/XX/XXXX when I made a payment of over {$1700.00}. They proceeded to withdraw an additional {$440.00} a few days later ... 
When I confronted Discovercard and accused them of FRAUD and GRAND THEFT. They responded by saying that they would return the {$440.00} plus any overdraft fees that they caused. 
They did in fact return the {$440.00} all but admitting to my complaint to charges of FRAUD and GRAND THEFT. but did not include any overdraft funds.. 
I have since reported this to XXXX  on multiple occasions and they refuse to remove this from my credit report..