23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Notice for Proof of Claim Account : RADIUS GLOBAL SOLUTIONS LLC XXXX BAL XXXX. To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and XXXX XXXX that gave you the right to collect this debt.
Product: Checking or savings account

My CD with Synchrony Bank renewed automatically on XX/XX/XXXX. I received no pre-renewal notice. I received an email notice of renewal on XX/XX/XXXX, AFTER the grace period. I complained twice on the phone to agents. I was told my penalty for missing the grace period by about 7 days would be over {$4000.00}. On XX/XX/XXXX, I sent an email and a letter to Synchrony. I received no reply ( as of XX/XX/XXXX ). 

Unlike XXXX XXXX, Synchrony does not allow the option of NO XXXX XXXX on making a CD investment. Unlike XXXX ( XXXX XXXX ) which allows convenient online option to close on maturity, Synchrony allows only phone instructions to close and only 45 days before renewal. Synchrony only has a 10 day grace period, unlike XXXX, which is 14 days. 

Banks that set up default rollovers also switch the promotional rates, to their benefit. Unprotected consumers suffer. Inattentive CD owners, I suggest, are often elderly savers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  is not reporting accurate information, Transactions or experience are excluded from the information on consumer reports accordsing to Congress. Please remove this late payment to prevent future litigation. XXXX XXXX University accounts needs to be deleted immediately this account do not belong to me. According to the FCRA all information must be 100 % accurate. XXXX XXXX needs to be deleted this account is not reporting accurately.
Product: Credit reporting or other personal consumer reports

Dispute of Accounts Reported in XXXX  Dear XXXX, I am writing to formally dispute all accounts listed on my credit report from the year XXXX. I believe these accounts to be inaccurate or unverified, and I request that they be thoroughly investigated and removed from my credit file. 

Please provide the details of each account in question, including the name of the creditor, the account number, and any supporting documentation that verifies the accuracy of the reporting. I also request that you provide an update on the status of the investigation within the timeframe allowed by law. 

For your reference, I have included a copy of my current credit report with the disputed accounts highlighted. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I understand I am entitled to a resolution within 30 days of receiving this letter. Should the accounts remain unresolved or not be verified, I expect them to be removed from my credit file. 

Please notify me in writing with the results of your investigation. If you need further information or documentation, feel free to contact me. 

Thank you for your attention to this matter.
Product: Student loan

I have been working with a service called XXXX XXXX to help with this loan. We communicated with Navient & because of my age XXXX  and income had paid in to it many years I requested to have the loan forgiven. They requested what my Social Security amount each month is and had to submit. That was last year. My name is the only name on the account.
They agreed and sent me a letter stating I had a XXXX  balance. I do have a copy of the letter. Dated XX/XX/XXXX This year however the plan has changed and they say I now have to include my husbands income and need to send in tax forms from XXXX. Due to going back and forth with them on this and being in forbearance the interest is accumulating and even though I paid many years the amount now is larger than what I had originally borrowed. It has affected my health and am so glad there is a law suit out on them.
Thank you XXXX XXXX
Product: Vehicle loan or lease

Regarding Global Lensing Services I purchased a vehicle from this company in XXXX of XXXX. The car was only around XXXX $ my payments are XXXX monthly. I am still being told I have a payoff of almost XXXX after having this car for almost 7 years. I did move about XXXX payments to the back during the course of the loan and offered to pay that in XXXX. I was told that I have paid mostly nothing but interest during this loan. I am a single mother of XXXX children and need a car to get to work however after being hospitalized for COVID I missed another payment and I am not in default and being told that my car is in repo status. Global lending is a ripoff and I do not advise anyone to use this company.
Product: Student loan

XX/XX/XXXX : Contacted Navient to discuss repayment options as my loans were coming out of in-school deferment. I agreed to repayment option for federal loans and the agent encouraged me to put my private loan in forbearance by paying {$50.00}. This would put my loan in forbearance for 3 months. {$50.00} was paid. Later that day, I received an email saying my forbearance was granted. 

XX/XX/XXXX : Logged onto navient.com to pay what was due on federal loan. Federal loan is now stating that I am on in-school deferment until XXXX?? Also, private loan is stating I am on in-school deferment until XX/XX/XXXX. After reviewing my account, my {$50.00} payment was listed as being paid on XX/XX/XXXX - I had no contact with them at that time. I have proof of payment from my back on XX/XX/XXXX. Also, my {$50.00} was applied to the principal on one of my loans ( which one I couldn't tell you ) by Navient on XX/XX/XXXX. I was also informed on today 's phone call that Navient is claiming I have {$51.00} in late fees from XXXX, that they are now saying I owe ( first time I am hearing of them ). My forbearance is no where to be found on my account and customer service rep claims it was an error in their back office. I have pictures and plenty of proof that they do illegal things. Also, I feel that I have been a victim of Sallie Mae/Navient deceptive practices regarding forbearances and deferments. I need my account corrected and resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1692c ( b ). that law clearly states In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent. 

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from thedebt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving suchcommunication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of theconsumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of thecreditor, or the attorney of the debt collector. 
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumerwishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that thedebt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector orcreditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Credit reporting or other personal consumer reports

IT HAS COME TO MY ATTENTION MY PERSONAL INFORMATION HAS BEEN EXPOSED IN A NATIONAL DATA BREACH. AFTER REVIEWING MY CREDIT REPORTS, I NOTICED SOME ACCOUNTS THAT I AM NOT FAMILIAR WITH. I HAVE ASKED THE CRA 'S FOR VALIDATION OF DEBT HOWEVER THE INFORMATION HAS NOT BEEN PROVIDED. DUE TO MY INFORMATION BEING EXPOSED. 

I HAVE SUPPLIED A FTC COMPLAINT REPORTING THE INFORMATION I AM NOT FAMILIAR WITH. PLEASE FIND ATTACHED A COPY OF MY ID, THE FTC COMPLAINT, A COPY OF THE NPD REPORT SHOWING MY INFORMATION BEING EXPOSED IN A NATIONAL DATA BREACH AND A VALIDATION OF DEBT LETTER
Product: Credit reporting or other personal consumer reports

Around XX/XX/year>, I noticed through my credit monitoring service that a late payment had been reported on my credit report for XXXX I have always made my monthly payments on time and have never been late. A review of my payment history will confirm that I consistently pay on time. 

Upon discovering this, I reached out to Dignified for clarification, but they were unable to provide a valid reason for why the balance was reported as late, especially since my original balance had already been paid. Additionally, I was never notified of any late paymentno email or communication was sent to inform me of this issue. 

Given my strong payment history with this company and my certainty that I paid my remaining balance, I am formally disputing this late payment. I kindly request that this be removed from my credit report as it does not accurately reflect my payment behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( FRAUD ) XX/XX/XXXX XXXX XXXX ( FRAUD ) XX/XX/XXXX XXXX XXXX ( FRAUD ) XX/XX/XXXX XXXX5 U.S. Code 1681s-2 states that a creditor shall not furnish nor continue to furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I will provide my position below regarding this illegal contract where I am requesting a swift and immediate deletion. Additionally, the creditor shall not thereafter furnish to you nor any other agency, any information regarding this aged debt, which has already been deemed erroneous and illegal in nature due to the lack of valid documentation. 

On XX/XX/XXXX, I verbally requested from XXXX, XXXX XXXX XXXX and XXXX XXXX specific information to verify these alleged and erroneous debts and they could not provide me with any data to support that these debts belonged to me or if I was ever responsible for them. 

XXXX, XXXX XXXX XXXX and XXXX XXXX are highly misinformed and incorrect about these accounts, and they did not carry out the required due diligence on their end by reporting the invalid accounts and they must delete and remove this erroneous information from my credit files immediately and swiftly. I do not owe these creditors, and they have no valid right to place these debts on my credit files as derogatory.
Product: Checking or savings account

I filed a complaint yesterday and it is available by reference to complaint number XXXX. As of yesterday the problem included not only the hold on {$14000.00} of deposited funds but overdraft charges made to lower my family 's account by over {$9000.00} when we had not overdrawn our accounts and the absurd act involving the back charging one account without crediting the other. In addition, the bank had added an additional charge for {$10000.00} to record more funds being held when we had not made another {$10000.00} deposit. This put my account in the negative to the tune of {$23000.00} and my wife 's account in the negative for a sum over {$7000.00}. 

This morning thebans 's overdraft transactions have been reversed so my wife 's account is in a proper balance but still the bank is holding two deposits - one made in the amount of {$10000.00} 0n XX/XX/20 and another for {$4000.00} made on XX/XX/20. On my original ATM deposit receipt for the {$10000.00} deposit, the schedule for releasing my funds was stated as adding to my account {$200.00} on XX/XX/XXXX ; {$400.00} on XX/XX/XXXX ; XXXX on XX/XX/XXXX ; and finally {$5000.00} on XX/XX/XXXX. On that schedule the bank will have held half my deposit for a total of 14 days. On my account checking on line, the bank now says that it will be holding {$9000.00} until XX/XX/XXXX. 

Does the bank have the authority to change their commitment mid-stream and keep holding my money? I am certain that the original check has cleared the issuing bank ( XXXX ) so there is no legitimate reason to keep holding my funds. No one above the branch manager for SunTrust will talk to me about my issues. I have emailed the Executive Vice President of SunTrust, XXXX XXXX, twice but he has not responded. I need your agency to hold the bank responsible t release my funds.
Product: Checking or savings account

This is regarding XXXX XXXX and Arvest Bank bank.This CONSUMER at the has been frauded in her bank account there was money deposit somehow in her account the bank teller told her guardian XXXX XXXX who's her son to that it was okay to take the money but they said before to make sure it cleared first and it cleared and he took the money out of the account they said the money that was deposit fraudulently from someone else or somewhere else that it needs to be returned but the money was already spent and you as a trustee we know that their books are not set right that they charged her account again her social security check was eating up now she had nothing to pay our bills leaving her abandoned financially I've contacted them fill out forms the bank decided to discard the product forms I contact the bank verbally my name is XXXX XXXX I'm the daughter in law we have guardianship over her they've done this twice they've gotten the money they won't fix the account Arvest is on XXXX and XXXX I've talked to the managerXXXX talk to the manager and I've talked to the billing or accounting department and they're not willing to do anything and here she is without electric gas water and insurance and car note car payment to pay for anything please
Product: Debt collection

This XXXX account does not belong to me and I also have XXXX personal loan on my account that does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX; Experian and XX/XX/XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact ALL of these accounts are in dispute. Chapter XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX - XXXX ; and XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Experian and XX/XX/XXXX show the following accounts as not in dispute, when in fact these accounts are in dispute. XXXX - XXXX. XX/XX/XXXX and XX/XX/XXXX show the following accounts as not in dispute, when in fact these accounts are in dispute. XX/XX/XXXX XXXX. Experian shows the following account as not in dispute, when in fact this account is in dispute. XXXX XXXX - XXXX. XX/XX/XXXXshows the following account as not in dispute, when in fact this account is in dispute. Account XXXX. All of the above referenced items are in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Debt collection

I am a consumer of the United States and XXXX XXXX XXXX XXXX is a debt collector attempting to collect a debt which falls under the FDCPA. I never gave written consent nor prior consent to XXXX XXXX to contact me at any given time or place as well as never giving them any of my information. The fact that XXXX XXXX has contacted me and also sent me statements to my home and cause my telephone to ring is indetity theft and fraud and a direct violation to title 15 chapter 41. Attached to this complaint is a cease and desist, affidavit of truth stating all the violations and harm XXXX XXXX XXXX XXXX has commited along with an invoice and Exhibits that was sent to the debt collector certified mail and green return slip on XX/XX/2021
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERY has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I HAVE NEVER DONE ANY BUSINESS NOR HAVE I ENTERED INTO ANY CONTRACTS WITH CHOICE RECOVERY ACC # XXXX. I did see the date of XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XXXX ], to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY release my medical information to a third party. PLEASE PRODUCE authorization or signature or something to show proof of this authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 3.Cease any credit bureau reporting until debt has been validated by me. 4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.