23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2022 PENN CREDIT CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Dauphin To : The XXXX XXXX XXXX XXXX for PENN CREDIT CORPORATION From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX  XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that gives you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX  is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXXXXXX XXXX XXXX  private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages.

Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.

If you lack understanding of this paperwork, forward to your ATTORNEY. 





By : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On XX/XX/year>, I sent a letter to TransUnion notifying them of the reinsertion of XXXX XXXXXXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, TransUnion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. TransUnions actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.
Product: Debt collection

I received a collections letter from XXXX XXXX XXXX for a {$2000.00} debt to PayPal. I do not have a PayPal account and this letter appears to be a scam. The company has offered to settle my non existent debt for {$700.00}. This company address is listed in XXXX but the collections letter was mailed from XXXX XXXX
Product: Checking or savings account

I opened an account with Usaa in XX/XX/2018. I was asked to verify my military status and to send in an Id. I sent Usaa my id and my XXXX. I applied for a credit card and was approved. I had an option to have a different mailing address. I changed it and everything was fine. as I tried to use my credit card. they froze my account for verification. per verification they first said they closed my account because I had a past due balance of {$25.00} then they came back and said because I didn't answer the phone when they called that they choose to close my account and I can make an appeal. when I asked why they had to valid reason. I felt like I was being treated as a criminal. they have had poor communication regarding this whole matter. their information was not consistent and they treat new customers like criminals. I have not committed fraud. I have not made a report to the credit bureau so this treatment even after I have been verified is unacceptable. I am requesting for a investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one credit card took XXXX points from XXXX dont know why this is discrimination as consumer. I would appreciate if this situation is investigated thank you so much for time and patience.
Product: Credit card

I filled out a 1099A form for Navy Federal, which the IRS accepted on XX/XX/year>. As a result, it has now become a certificate of indebtedness that is considered as income. Please update my account ending in XXXX and confirm that it has been paid as agreed by all third-party agencies and send me copy B so I can properly complete my taxes.
Product: Credit reporting or other personal consumer reports

I Received a Notice on My credit report Regarding Credit Acceptance Corporation Ive put in multiple request to have this removed from my report theres multiple inaccuracies that have been denied no information has been provided The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I am asking that you please review this account thoroughly
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXXDept of Ed : XXXX, XXXX : # XXXX, XXXX XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any 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.
Product: Credit card

XXXX XXXX keep letting XXXX take {$24.00} out of my account
Product: Debt collection

I received recently a collection notice from a bill from XXXXXXXX XXXX  that I did not received, it was not disclosed to me regarding any charge, and now they have even referred me to collections with no warning, nothin. 
Account is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear EXPERIAN : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 


Account : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit card

I get a letter in the mail saying I owed {$19.00} for an account on Pay Pal Credit that I never opened or used. I have a regular Pay Pal account, so someone tied both of these together without my permission. When I try to pay them with my credit union checking account., they refuse payment, and want to to send a check to them. No, I do not send checks, due to the fact many people get defrauded and their checking accounts hacked, by sending them. I tried paying with a credit card, and they refused ( because I just want it to go away ). So, they have said they are going to take legal action against me, on this, and will destroy my good credit rating.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX, XXXX, XXXX, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 
Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 
2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).
Product: Debt collection

My insurance company at the time paid the debt owed to a hospital. 

The hospital has not acknowledged the debt paid to whomever is continuing to send out debt collection notices. 

When I told the insurance company, they said it 's the hospital 's fault, they made the payment to the hospital, and even checked it for a third time now. Yet I continue to receive bills/debt collection attempts from the hospital 's XXXX-esque system that they apparently deny any control over. 

I am beginning to think some accounting segment of the hospital is irresponsible or trying to scam people out of twice what they owe for services.
Product: Credit reporting or other personal consumer reports

Although I didnt request a loan for this XXXX XXXX XXXX put one on my account XX/XX/. I immediately refunded the money and advised that I wanted to cancel it XX/XX/. They responded and confirmed that it was cancelled XX/XX/. I confirmed by checking my student  account. A few days later I received notification that it was on my credit report. I called Aidvantage and asked for them to remove from my report. They said due to processing it could take several months after I send a written letter by mail. I asked if they had a fax or electronic method. They said no. So it took a few days to put it on my report and " due to processing '' it takes months to remove it. Its unacceptable and a deliberate burden. I reported it to the credit agency XX/XX/. They investigated and somehow received confirmation from Aidvantage that this is an active account. SO the credit agency wont remove it.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 Experian sent me an email notification that the balance of one my accounts increased. When I logged in, I saw details that the balance on my mortgage had increased. That is incorrect. The balance on my mortgage has not increased, which I confirmed with my lender. Additionally, I checked the other credit reporting organizations- XXXX and XXXX- and neither of them showed this erroneous information. 
I logged a dispute with Experian through their online process on XX/XX/XXXX and received a notification that my dispute was resolved a few hours later. The dispute resolution a ) did not fix the error and b ) did not show that Experian had taken any action to investigate my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

first I would like to state that my papers are notarized showing you I am indeed who i say i am. On XX/XX/2021 I sent a letter dealing with unknown, misleading, unverifiable things on my credit report. till this day now well over 60 days later i haven't received any response. Now this is unlawful and just overall bad business. I feel that I am being taken advantage of and my dispute is going ignored. The law, Section 611 ( a ) to be exact states clearly that a failure to investigate these item in 30 days gives reason to immediately remove the items in question from my credit report. it has been over 60 days so they should be deleted immediately or I will file litigation due to all this stress caused to me. Also my info was impacted by the XXXX data breech and might have got into the wrong hands or information mixed.
Product: Debt collection

I received phone calls from ProCollect out of Texas. I never received anything in the mail from this company stating intent to collect a debt. There was nothing from my leasing company either in the mail stating a debt was to be passed on to a collection agency. I received nothing in the mail from any company stating any intentions for anything. I only received automated phone calls requesting to call them back.
Product: Credit card

there are several issues with XXXX XXXX credit card. 
First, statements are not all available online, the bank doesn't offer to download activities from its website.

Second, there are no way to redeem rewards, nor knowing the accumulative amount of earned rewards.

Third, the customer service line is useless since it doesn't offer to speak to a human being regarding reward. The Chat function online is by robots, no human. 

Fourth, the reward function will prompt to XXXX website. After I logon my account, then XXXX website indicates that I am not authorized to perform that function.
Product: Payday loan, title loan, or personal loan

Hello. We, XXXX XXXX XXXX, a used car dealer in NJ paid off a vehicle loan on XX/XX/XXXX and still have not received the vehicle title or XXXX release. We have been leaving messages for the bank since XX/XX/XXXX with no return calls. 

Bank : Sensible Auto Lending, XXXX Old XXXX XXXX, XXXX XXXX, XXXX CT XXXX Check # XXXX for {$6900.00}. 
Vehicle we took in on trade and paid off was for XXXX XXXX on a XXXX XXXX XXXX XXXX XXXX. The account number was XXXX. 

Can someone please help me obtain the title and/or lien release for this vehicle? It is my understanding this bank is now out of business.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and concern regarding the handling of my credit report disputes. Despite my efforts to correct the inaccurate information on my credit report, the errors remain unresolved. 

I have sent multiple dispute letters to address the following inaccurate information : XXXX : Account number : XXXX XXXX : Account number : XXXX XXXX XXXX XXXX  : Account number : XXXX XXXX : Account number : XXXX XXXXXXXX XXXX : Account number : XXXX XXXX XXXXXXXX : Account number : XXXX XXXX  : Account number : XXXX It is disappointing that despite providing evidence to support my claims, these inaccuracies have not been corrected. As a result, I have been forced to resubmit my disputes, which is both time-consuming and frustrating. 

I request immediate action to remove these inaccuracies from my credit report. Please ensure that your investigation process is thorough and complies with the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate and verifiable information should appear on consumer credit reports. 

Your prompt attention to this matter is crucial. I expect to receive confirmation that these inaccuracies have been corrected and that my credit report accurately reflects my financial history. 

Thank you for your understanding and swift action in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Payday loan, title loan, or personal loan

Synchrony Bank XXXX only allows the following ways to make payments, by mail or by phone. When mailing in payment by USPS, it seems that the payments are not received to well over the payment due date. This could be due to the lack of response from their mail department or the payment processing center, as many other checks that I mail out for other vendors are received on time. They also do not allow a grace period for mailed payments. Thus causing payments that are sent well before the due date to accrue late fees. 

The big issue is however, how they display their late fees to the consumer. On the statements, since its a fixed monthly payment, the payment due still shows the fixed payment ( for example {$99.00} ), and the Fees & Charges on the statement show {$0.00}. However, the late fee is actually rolled into the principal and not shown as a Fee & Charge. This is easily looked over and missed. Thus causing the principal to go up and interest to accrue. Even though the payments still stay fixed at {$99.00}, I was told by one customer service rep that consumers do miss this a lot and that it was good that I caught it early, as most consumers are hit with a HIGH balloon payment at the end of the loan period. ( All accrued late fees & interest ) To me this is a very conniving towards the consumer, as the consumer does n't notice it and continues to pay their fixed payment without noticing that they are accruing late fees when mailing in payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Dear TransUnion : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Debt collection

The debt originated in XXXX. I co-signed for my son to finish his degree at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. There were no payments made by me. In XX/XX/XXXX a collection agency named NelNet started sending me collection notices and even tried to garnish my wages without a court order and showed it was a delinquent debt on all my credit agencies. I contacted my attorney and he sent me a letter which I sent to the credit bureaus stating that by XXXX  law prescription had run out in XXXX years since there were no payments made during this period. Included on the letter were the XXXX laws pertaining to the debt. The credit reporting agencies wiped it off. Then about XXXX months ago they are started the collection process again and reported it again to the agencies. Even today the debt would have prescribed in XXXX years which would have be XXXX. I have disputed the debt with the XXXX agencies again and found the original letter was still in my file with them.