23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CREDITORS BUREAU USA contracted me by phone trying to collect on a debt I do know owe them. When CREDITORS BUREAU USA initially contacted me, I explained to them this debt was supposed to be paid to them by the surgeon who performed my XXXX. I sued the doctor who performed my XXXX and won my case, in that settlement agreement all bills associated with this debt were supposed to be paid by the surgeon. Instead of getting the information from the original creditor, CREDITORS BUREAU USA decided to purchase this debt. After, they decided to harras me about this debt I don't owe them, then finally, furnish inaccurate information on my consumers report. After contacting me, CREDITORS BUREAU USA did not send me a debt validation notices to alert me about my right to request proof that a debt is valid or dispute the debt, which is required by debt collectors. CREDITORS BUREAU USA has chosen to supply inaccurate and false information to credit reporting agencies all while knowing this inaccurate reporting would have a significant impact on my consumer credit score.CREDITORS BUREAU USA still chose to furnished the information after knowing this debt is not obligated to me. CFPB requires debt collectors to furnish accurate information on consumers reports and CREDITORS BUREAU USA is doing the complete opposite.They have not handled this debt correctly as 12 CFR 1022.41 ( d ) states it should be handled.12 CFR 1022.41 ( d ) states Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.

CREDITORS BUREAU USA is in direct violation of this code and many more, Not only is this account not supposed to be being furnished on my consumers report they are reporting different/inaccurate information to all credit bureaus. I have attached a photo to this complaint showing all the inaccuracies CREDITORS BUREAU USA is reporting on this account. There is different information being reported on the day this account was opened, the date last active, last reported, the credit amount etc.CREDITORS BUREAU USA did not handle this account with accuracy and integrity, this account is not furnished to minimize the likelihood that the information may be incorrectly reflected in my consumer report in which this information is INCORRECT!
Product: Student loan

On three separate occasions I have tried to pay my student loans in full before interest began accruing again. About XXXX days after receiving a confirmation e-mail, the amount was not withdrawn from my bank. Upon reviewing my payment history in my student loan account, the payment was reversed with no explanation. 

I called my bank and they assured me it was not a problem on their end. I have tried to call aidvantage but I can not get anyone on the phone. 

The first amount was the remaining amount of {$10000.00}. It is listed on the student loan account history as payed AND reversed on XX/XX/2023. 

I attempted the payment of {$10000.00} again and the same issue occurred. It is listed on the student loan account history as payed and reversed on XX/XX/2023. 

I thought perhaps attempting to pay over {$10000.00} was a red flag so I attempted a payment of {$5000.00} and it is listed as payed and reversed on XX/XX/2023. 

I do not know how to get them to answer the phone to see why I can not make a payment and I am concerned it is a tactic to collect interest.
Product: Credit card or prepaid card

The balance on my statement does not reflect the balances in the system with JCPenney. My XX/XX/2019 statement reflects a balance of {$2400.00}. The breakdown of my balance that appears on my XX/XX/2019 statement is {$1900.00}. I continuously have problems with the payment application process at JCPenney. Their billing practices are unfair, deceptive, and predatory. I have never been late or missed a payment. I frequently pay more than the required payment. I am willing to provide my billing statements as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 the Equifax website and fraud agent would not allow me file a fraud alert or credit freeze until I purchased an account. The first option was an auto-pay of ( I think ) $ XXXX. When I said no ( because XXXX and XXXX had done it free as legally required ) after 20 minutes of hard sell, she offered a {$10.00} one time 30 day account option ( receipt below ). I was desperate to stop ongoing identity fraud activity so I agreed.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/2021, at around XXXX I made an in-person, over-the-counter cash deposit of {$3800.00} at the US Bank XXXX XXXX Branch Office XXXX I was given the receipt for the transaction and everything seemed fine until three and half hours later. At around XXXX on that day, a teller at the brand ( the name sounded like " XXXX '' but was not spelled out clearly in the voicemail message ) left me a message saying that her door " was short of {$800.00} '' and that she " believes she entered an incorrect amount ... should be {$3000.00} instead of {$3800.00} ''. 

I tried to call the number XXXX back a few minutes after the message was received, but the branch was closed ( they close at XXXX on Saturdays ) and no one answered the calls. I made numerous attempts between XXXX and XXXX but could not reach anyone there. 

At XXXX on that day, the teller ( # XXXX ) at the branch withdrew {$800.00}, without my consent or knowledge whatsoever, from my checking account. No reason was given. 

I called the US Bank 's XXXX number and spoke to their staff at the call center, since I was not able to reach anyone at the branch. The staff at the call center took notes about what happened but told me that this would have to be resolved at the branch. 

I confirm and am 100 % sure that I deposited {$3800.00} in-person when I visited the branch on that morning. But the fact that the tell, for whatever reason, was short of {$800.00} and thus deducted {$800.00} from my account with no consent whatsoever is ridiculous and totally unacceptable. Isn't my money in a bank account supposed to be safe and where is that assurance? A teller can withdraw my fund in my banking account without my consent or even knowledge about that, simply because he or she is short of some amount for the day? I encourage US Bank to start a thorough investigation, including surveillance videos and/or other means as appropriate, to find out what happened about at the branch.
Product: Student loan

The allocation of my monthly loan payment & the amount that is applied to principal & interest are in question. I have yet to hear back from Navient on this yet.
Product: Debt collection

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

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

XX/XX/2021 I was told by PayPal that my account had been limited. The {$6500.00} that was in the account will be placed on hold for 180 days. After the 180 days if there are no chargebacks PayPal will allow me to deposit the money into my checking account. XX/XX/2021 just days before the XXXX day, PayPal takes all of the {$6500.00} from my account and claims damages. This is ludicrous. I am pursuing legal action against PayPal immediately.
Product: Money transfer, virtual currency, or money service

I didn't received the money transfer in the receiver account and the money was not refund. 

I transferred {$50.00} CAD ( MTCN : XXXX XXXX XXXX using debit card online on Western Union Website on XX/XX/2022. I sent from my XXXX account to my XXXX account, so I am the sender and the receiver. the money left my XXXX account but I didn't received the money in my XXXX account. I contacted Western Union Several times and opened the case reference number : XXXX, XXXX and they were not able to refund my money. they said the money was sent to the receiver bank account in XXXX XX/XX/2022, However that does not proceed. I checked my checking account statement in both country and I didn't received the amount. I am the receiver and I sent to them my bank account statement informing that I didn't received and they didn't refund me, Western Union said to contact western union in the country, I emailed the Western Union in XXXX and they told that the only way is phoning to the Brazilian number. 
I don't have money to spend in international calling to Brazil.All my attempts to ask for their help is exhausted! 
I believe that I dealt with western union in North America and they are responsible for the full transfer. 
Honestly I am since XX/XX/2022 trying to solve this problem before Western Union back and forth and they don't do anything to assist the costumer and I will sue them as theft of my money if they don't refund my money. That is my last attempt.

If could tell people, please never Use Western Union, they are not honest in their dealings. this company is doing illegal practices toward the costumer and they can get covered by the authorities because they are a big company. 

Please see attached print screen proving the information below.
Product: Money transfer, virtual currency, or money service

I transferred the money to my sister in XXXX via Remitly on the XXXX. Via their mobile app i was informed that the money was transferred on the XXXX. However, the bank on the recipient end had no track whatsoever of the payment. I kept calling remitly and my sister kept calling her bank but to no avail. On the XXXX once i threatened Remitly to file a complain is when they told me that the account was not correct. I ask them why would their app say the money was transferred to a wrong account why did it take them 20 days to figure it out. 

I think this is just an excuse to hold people 's money to earn interest for 20 days. Morever, i smell a foul play here. This company is managed by XXXX and since they are the arch enemy country of XXXX, this was deliberately done to stop money from going to XXXX. 

I've had same issue with XXXX where they stopped my payment for no reason.
Product: Credit reporting or other personal consumer reports

I have multiple unauthorized inquiries and XXXX account that I have tried to dispute multiple times. 

Inquiries : XXXX XXXX XXXX  : Experian : XX/XX/XXXX XXXX XXXX XXXX : XXXX : XX/XX/XXXX XXXX XXXX  : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX : Experian : XX/XX/XXXX XXXX XXXX  XXXX  : XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX : XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XX/XX/2020 I disputed with XXXX, Experian, and XXXX  about and unverified account XXXX XXXX for {$810.00} medical bill. I also ask XXXX XXXX XXXX   for some verification with my signature showing that I have an agreement with them and this belongs to me without violating my HIPAA rights. in my several attempts to receive this information I received no response from XXXX XXXX. So how is it that the three credit bureaus Deemed this account verified when I received nothing from XXXX XXXX  to prove that this account belongs to me with my signature. wouldn't this be a violation of my HIPAA rights??? 

Also in XX/XX/2020 I disputed with XXXX  and XXXX  Experian about the inaccurate reporting of XXXX XXXX acct # XXXX on my credit report. The reporting is not consistent showing three different Open dates and this was asked to be removed because of the inconsistency making this inaccurate collection item reporting and this should have been removed according to the fcra
Product: Debt collection

Loan opened XX/XX/2015, Account charged of {$23000.00}, wrriten off {$10000.00} Disputed due to Ex husband 's responsibility in Divorce decree. 

Investigation completed by XXXX. Remains an active account due to third party debt collectors keeping it current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
10. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

This false debt collection was removed once before then added back just now. XXXX just retained a new debt collector to try again. This utility bill is the prior owners. This must be removed immediately.
Product: Debt collection

As the parent company to TRS Recovery Services, Telecheck was told by my bank that it " denied '' payments to merchants on personal checks connected to my account that were the result of identity theft. This was after the bank had already paid the merchants once and I had been reimbursed for the theft by the bank. When the bank pulled back the original payments of the checks, I became a victim of fraud twice over by TRS Services via TeleCheck and my bank.
Product: Mortgage

Great Western Bank ( GWB ) originated my Dept of VA loan on XXXX XXXX XXXX  as a result of its correspondent agreement with XXXX XXXX XXXX XXXX XXXX XXXX that the interest rate was guaranteed through this agreement as GWB did not keep these loan on its books. On XXXX XXXX XXXX GWB  did sale my loan to XXXX! The Note was endorsed to XXXX upon the sale and GWB had not further financial interest in the mortgage loan that belonged to XXXX who on XX/XX/XXXX, did a blank endorsement of the mortgage Note per XXXX XXXX requirements and relinquished the XXXX performed transferring ownership of the Note. So twice removed from ownership of the Note, GWB did violation Nebraska Statute 76-238 and delivered and record the Deed of Trust ( DOT ) creating a lien when in fact they were not owned a single cent as they been paid in full on XX/XX/XXXX. GWB admits to its failure of providing XXXX with the required titling information in which ownership of the debt can be attached to the property which was not done in this case. GWB after XX/XX/XXXX, never has the legal ability to record a lien against my property. GWB addresses its failure to provide XXXX the correct documentation at XXXX XXXX XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX Limited Power of Attorney ( POA ) created by GWB XXXX XXXX XXXX that was delivered and recorded at XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. As previously communicated, I discovered unauthorized transactions on my account statement. Despite my diligent efforts to report and rectify these fraudulent activities, the items remain unresolved, causing me significant distress and frustration. 

I urge you to take immediate action to rectify this situation. I request that you escalate this matter to your highest authority and allocate the necessary resources to expedite the process of removing the fraudulent items from my account. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences in the future. 

Furthermore, I believe it is imperative to address the emotional distress and financial hardship caused by this ongoing ordeal. I request compensation for the inconvenience and stress endured as a result of the unresolved fraudulent items. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021, XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX  - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX DE - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXXXXXX - hard inquires on my credit report that I don't recognize dated XXXX XXXX 2021, XXXX XXXX 2021, XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX  - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX XXXX hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX XXXX XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX, XXXX XXXX XXXX hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX  XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXXXXXX XXXX  - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX XXXX XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021
Product: Credit card or prepaid card

I tried to use my XXXX platinum card issued by Synchrony Bank this afternoon at XXXX. Declined. I logged into my account online and it was closed. I contacted Synchrony and they told me a letter was on the way because a credit service had notified them of a change in my status that made me a higher risk. No more info. 

This account had never been over limit, always paid on time. This was embarrassing to be declined at the merchant without knowledge of the card being closed. I've had issues with Synchrony before and have always followed the rules regarding their cards.
Product: Debt collection

AMERICOLLECT INC. 
has an account on my credit report thats not mine and that is not owed to them. 
sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } americollect does NOT have PROOF ( VALIDATION ) of a writing contract between me and them stating i owe.Furthermore, { AMERICOLLECT } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. THERE ACTS ARE A VIOLATION OF Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character