23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I received an email XXXX that because I was on the XXXX repayment plan, which is being litigated, that my loans would be placed on a forced administrative forbearance that would be XXXX % interest accrual. I reached out to someone at the Federal Student Aid website who said that interest should not be accruing on XXXX. I contacted my loan servicer by phone on XXXX, XXXX, and again via email at XXXX. Each time they said interest would be 'wiped ' at the end of the billing cycle and paid off by the government. I ask for the date that this would occur and was never given an answer ( by phone and over email. ) As of today, over {$430.00} has accrued on my account, which equals more than a month 's worth of interest that is going up by the day. Aidvantage has provided no clarity into this matter and has continuously avoided answering my questions by reading off of, or sending me a script of what they are telling all consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send transunion a 609 debt validation letter of all collection on my credit report and theyve failed to do so, they send me a letter saying verified and thats not proving me anything that the debt is mines, and For these reasons, the FDCPA entitles you as a consumer to validate a debt when a collection agency demands money from you. If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report. When you get your debt validated, you request the collection agency to prove it has the legal right to collect the money. Since no one validated me my collection I requested for transunion to remove all debts that has not yet been verified to me. Like XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I first noticed in XXXX that Experian was reporting late payments on an account that i paid off fully in XXXX. I purchased in FULL my car that was being leased from XXXX in XXXX. Never missed any payments, but Experian started reporting me as being late on an account that was closed out. I sent them a letter and they ignored the late payments. I sent XXXX a letter and they said they would tell Experian this was a mistake. However they are still reporting me as being late today. How is this possible? It is really causing me to lose out obtaining credit and good interest rates. How can they knowingly keep making this mistake? There is no way my credit score should be hurting because Experian is refusing to do their job. I am the victim here ..... Please help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> I am writing to formally dispute certain information that has been reported on my credit file under the provisions of the Fair Credit Reporting Act, specifically 1

5 U.S.C. 1681. It has come to my attention that certain data has been reported by your agency without my explicit written consent to either furnish or obtain my personal information. Pursuant to 15 U.S.C. 1681b, a consumer reporting agency is prohibited from furnishing information about me without my written consent, unless a permissible purpose exists under the law. Furthermore, I have not given any authorization or consent for the reporting or inquiry of my information by the parties involved. I respectfully request that you conduct a thorough investigation to verify the accuracy of the information and ensure it has been reported in compliance with federal law.

In light of this, I am requesting that you immediately : 1. Investigate the validity of the reported information in accordance with 15 U.S.C. 1681i.

2. Provide evidence of my written consent for the disclosure or inquiry of my credit information.

3. Remove any unauthorized inquiries or accounts from my credit report. 
Please note that if you can not provide proper documentation or proof of consent, I expect the information to be removed from my credit file promptly, in accordance with the Fair Credit Reporting Act. 
I would appreciate your written response within 30 days, as required by law. Should you need any additional information to process my dispute, please do not hesitate to contact me. 
Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I had a court date with the credit card company ; the representative did not show up, and the judge dismissed in the amount of {$1900.00} the case in XX/XX/2019. I have written to all bureaus and nothing has happened to remove it from all 3 credit reports. This has caused so much frustration to get approved all these years. Next action is to sue the credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I recently paid off a collection. I was told this would be a pay to delete. However the company is refusing to remove it from my credit. It has been paid down to XXXX. I have been more than reasonable. Weve settled on a debt and I paid in full. This is holding me back from being pre approved for a home. I have done everything they have asked even requested a goodwill letter especially during this pandemic. This is beyond unprofessional but inhumane. Nobody is willing to help me.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Checking or savings account

I have been with this Credit union for several years and have had financial hardship while dealing with a terminally ill child. My balance has been paid off and they are denying reopening my checking account as well as no access to my savings account.
Product: Checking or savings account

The bank applied a negative XXXX balance to my account for attempting to cash a check that they claim would not process. The check was cashed at another bank without any issues. The account was frozen and had a the negative account balance. The check cleared XXXX XXXX The bank refused to cash a payroll check drawn by there bank and a local University that wouldn't clear a mobile deposit and refused to credit my account for a deposit. The bank has took me through high volumes of stress & grievance without cause.
Product: Credit card or prepaid card

XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX TD/XXXX XXXX To Whom It May Concern : Please be advised that I have received your correspondence dated XX/XX/XXXX This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. 
I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and Experian Senior General Counsel XXXX XXXX admonition in writing the mixing of my credit information with other creditors through data-file sharing agreement between XXXX and XXXX granted known XXXX marketer XXXX access to my PII through data-sharing agreement. Thus such security lapse provided ( " XXXX '' ) XXXX XXXX XXXX XXXX XXXX Enforcement to unlawfully obtain and share my ( PII ) resulting in the misappropriation of my image, biographical facts ; name, likeness ; identity and good name which XXXX been unjustly enriched. XXXX violated XXXX XXXX,XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX failure to protect and safeguard my ( PII ) and XXXX XXXX XXXX XXXX , Subchapter XXXX, sections XXXX   protect the disclosure of Non-Public Personal Information violated my protected rights under Fourth Amendment. Experian data breach is example of broken chain of custody or stewardship over ( PII ) data ; obligated by law to protect and safeguard. 

As direct result of Experian antiquated networks and servers ; and merge with XXXX and XXXX Info Search granted cybercriminal XXXX and known XXXX marketer ; access to my PII and solicitation to identity thieves on the dark web my ( PII ) for profit ; constitute a reckless and willful violations of FCRA and liability under 5 U.S.C. 1681 ; Experian willfully and recklessly violated 15 U.S.C. 1681 ( b ), 15 U.S.C. 1681a ( d ) ( 3 ), 15 U.S.C. 1681b ( a ) ; ( g ) and 15 U.S.C. 1681c ( a ) ( 6 ) failing to identify, implement, maintain and monitor the proper data security measures, policies, procedures ; software and hardware systems to safeguard and protect consumer PII. 


Experian false or inaccurate reporting of consumer information from third parties of inaccurate information resulted in the mixing of consumer credit files and personal identifying information with another consumer information that did not belong to XXXX XXXX substantiates Experian has negligently violated Section1681 ( e ) ( i ) ; 1681 ( g ) ; 1681 ( o ) alternatively Section 1681 ( n ).

Experian negligence in not compensating consumer timely ; to statutory and punitive damages {$1000.00} for each violation under 15 U.S.C. 1681n ( a ) ( 1 ) ; having committed since 2011
Product: Payday loan, title loan, or personal loan

Net Credit is the company on XX/XX/2020 {$4500.00} was reported to my credit report. This isn't my account its somewhere out of state and I'm in XXXX XXXX, La. I've contacted the company as well and nothing has been done.
Product: Credit reporting or other personal consumer reports

{$180.00} XXXX XXXX XXXX Account Closed Date Closed : XX/XX/XXXX Account Information Account Status Closed Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$300.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may improve your credit score. 
XXXXayment Information Payment Status Collection/Chargeoff Past Due Amount {$180.00} Highest Balance $ 472 Monthly Payment $ 0 Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms 0 Remarks Charged off as bad debt Profit and loss write-off Creditor Name XXXX XXXX Creditor Contact XXXX XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX DEBT VALIDATION LETTER [ INSERT DATE ] [ INSERT YOUR NAME, AND ADDRESS DETAILS ] [ INSERT COLLECTION AGENCY NAME, AND ADDRESS ] RE : Validation for Account No. [ ACCOUNT NUMBER ] To Whom it May Concern, This letter is in response to your contact [ CONTACT METHOD ] on [ CONTACT DATE ] at [ CONTACT TIME ] about the alleged [ DEBT TYPE ] you have identified. This is neither an acknowledgement of debt nor a refusal to pay, but a notice to request validation. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege I owe to you. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you. 
Please provide the following alleged information to me within thirty ( 30 ) days from receipt of this letter. [ INSERT ALL THAT APPLY ] [ Creditor 's Name and Full Address ] [ Name of Debtor of Record ) [ Full Account Number ] [ Amount of Debt ] [ Due Date of Debt ] [ Original Charge Off or Delinquency Date ] [ Explanation of how the Debt was calculated ] [ Evidence that the Debt is within State 's applicable Statute of Limitation ] [ Name of Collection Agency or Owner of Debt, if applicable ] [ Amount Paid if Debt was Purchased ] [ Completed and Executed Agreement, including Signature Pages, for the Debt ] Pursuant to my rights under FDCPA, I will not be responding or acknowledging any further collection attempts from you until you have verified that this debt is mine.
Product: Checking or savings account

Today, XX/XX/2021, received communication from PNC Bank. Message " Your PNC Mobile Remote Deposit access has been terminated ''.

Specifically, review of my Mobile Remote Deposit items determine non compliance with t
erms and conditions of the MRD agreement.

My mobile deposits have always complied with the terms. My only deposits by Mobile are a monthly personal check from my sister that I have received and deposited remotely for several years.

Any other deposits are minimal, ie. PNC rebate check for retiree services, etc.

I have entered many complaints about PNC practices being unfair or violations of the banking laws. I feel PNC is retaliating against me for filing complaints against them. 
PNC has also blocked my email address, preventing me from correspondening with the escalation team representative that has been handling my complaints.

PNC also refuses to refund fees I previously requested under the complaints regarding more than 2 representments of the same item and charging {$36.00} each time.
Product: Debt collection

On XX/XX/year>, I sent a formal debt validation request to SELF/SouthState Bank under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). I requested the original signed agreement, an itemized statement of the debt, and proof of their authority to collect.

SELF/SouthState Bank has failed to provide the requested validation within the required 30 days and continues to report the unvalidated debt to credit bureaus, violating FDCPA Section 809 ( b ). This also constitutes a violation of the Fair Credit Reporting Act ( FCRA ).

I request that the CFPB investigate this matter and direct SELF/SouthState Bank to immediately cease all collection activities and remove the debt from my credit report. Continued non-compliance infringes on my legal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

DO NOT BE AFREAID OF A NAME! DO THE RESEARCH! THIS IS NOT A GOVERNMENT AGENCY. THE CFPB PREVIOUSLY CLOSED A COMPLAINT. 
THE OFFICE OF THE ATTORNEY GENERAL IS NOT A GOVERNMENT AGENCY! 
THEY ARE A PRIVATE BUSINESS NO DIFFERENT FROM XXXX AND OR XXXX 'S! 
THEY HAVE NO AFFILIATION WITH THE ACTUAL ATTORNEY GERNERAL OF THE STATE OF TEXAS. 
Further, A government agency does not have customers etc. This Company is listing a LOAN on my Credit that DOES NOT EXIST. They Cant and Wont Validate the Debt per FEDERAL LAW 15 USC 1692g!

They are to be removed from my Consumer report Immediately.

Again : Sent Multiple Certified Letters regarding an alleged Debt and or a Ficticious Loan by The TEXAS OFFICE OF THE ATTNY GEN THEY DO NOT REPOND AND THEY REFUSE TO VALIDATE THEIR CLAIM YET CONTINUE TO GARNISH MY WAGES AND REPORT ON MY CONSUMER REPORT AND DESTROY MY REPUTATION. THEY WILL NOT REMOVE THE FOLLOWING ACCOUNT : Account ( s ) : OFFICE OF THE ATTY GEN Account : XXXX In accordance with the Fair Credit Reporting Act. The above Account has violated my Rights Everything has to be 100 % accurate on my Credit Report. 15 USC 1681 Section 602A. States I have the right to privacy. 15 USC 1681 Section 604A section 2 : It states a consumer reporting agency CAN NOT furnish an account without my written instructions. I submitted a complaint with the XXXX  and the Attorney Generals Office. This Collection Agency is volating my rights and costing me dearly. 
TO CONTINUE TO REPORT THIS INFORMATION OR ALLOW THIS INFORMATION TO CONTINUE TO BE LISTED ON MY CONSUMER REPORT IS A VIOLATION OF FEDERAL LAW. 15 USC 1681 ( N ) WILFULL NONCOMPLIANCE AND I WILL SEEK MONETARY DAMAGES FROM ALL PARTIES THAT DO NOT COMPLY WITH THIS FINAL DEMAND, IF THIS IS NOT HANDLED IMMEDIATELY.
Product: Debt collection

XXXX   XXXX    {$32000.00} is a work comp bill that is in dispute. Insurance company paid all claims then asked for reimbursement when found out we were in litigation. Claim filed with the state since this is not listed as policy in our health insurance agreement  XXXX   XXXX   XXXX   should be held responsible until if or when we are compensated from our legal litigation and then the insurance company would be paid back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

1XXXX XXXX XXXX Account Number : XXXX 30 days late on XX/XX/XXXX, 60 day inXX/XX/XXXX, 30 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, 60 days in XX/XX/XXXXXX/XX/XXXX, 30 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX. XXXX XXXX Account Number : XXXX 30 days late in XX/XX/XXXX. 

3. DPT EDXXXX Account Number : XXXX 90 days late inXX/XX/XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry does not belong to me and is inaccurate. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX did not authorize my consent to pull my credit profile.These inquiries are fraudulent i I would like them removed immediately
Product: Credit reporting or other personal consumer reports

The late payments do not align with my regular payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX  XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX Original Creditor XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$1800.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I am filing this complaint because Kikoff Lending LLC is inaccurately reporting a debt on my credit report, and despite my previous dispute, they have failed to provide proper verification. 

On [ Date of First Dispute ], I disputed this account with XXXX under the Fair Credit Reporting Act ( FCRA ) and requested an investigation. However, on [ Date of Response ], XXXX responded stating that Kikoff Lending LLC had certified the information as accurate. 

I then attempted to verify the debt directly with Kikoff Lending LLC but did not receive sufficient documentation proving : 1. That this account is legitimately mine 2. That I owe the amount reported 3. A copy of the original signed contract or agreement Under 15 U.S.C. 1681s-2 ( a ) of the FCRA, data furnishers must ensure they report only accurate information. Since Kikoff Lending LLC has failed to provide proper documentation and continues to report this disputed account, they are in violation of federal law. 

Resolution Requested : I request that the Consumer Financial Protection Bureau investigate this matter and require Kikoff Lending LLC to provide full verification of this account, including the original contract and complete payment history. If they are unable to verify the debt, they must remove it from my credit report immediately. 

Thank you for your time and assistance in resolving this issue. 

Sincerely, XXXX XXXX