23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Notice for Proof of Claim Account : 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom it may Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment 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 assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. 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.
Product: Credit reporting or other personal consumer reports

THIS IS MY LAST ATTEMPT TO REQUEST PROOF OF DOCUMENTS ACCORDING TO 15 U.S.C 1681g. EVERY TIME I REQUEST DOCUMENTS THEY COME BACK WITHOUT PROOF AND STATES THAT THE ACCOUNTS ARE VERIFIED. 

Under FCRA 15 U.S.C 1681i all UNVERIFIED ACCOUNTS MUST BE PROMPTLY DELETED. 
Section 611 ( a ) ( 5 ) ( A ) ( i ) By publishing these inaccurate and unverified items on my report ti 3rd parties is damaging my reputation and credit worthiness.
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/2024. Since that time this account has been updated as a charge off Multiple times. This is a update in payment history. This inaccurate information falsely manipulates the statute of limitations. You have failed to properly investigte this account and you neglect has violated my rights. I am demaning a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was checking my credit report and saw a notation that a debt collection agency had been added to my report. Diversified Consultants had submitted a report I owed a debt of {$34.00} to XXXX. I was never notified by XXXX or Diversified of this debt. I was never given the opportunity to pay or dispute the charge.
Product: Money transfer, virtual currency, or money service

Initiated a transfer of {$420.00} out of Venmo on XX/XX/11 to be deposited into a personal account. The company is refusing to release funds and won't tell me why. They keep giving me a general copy and paste answer and no additional information.
Product: Debt collection

I do not have a contract or debt with this company. I have never heard of them until it appeared on my credit. They seemed to have purchased a charged off acct. Which I have no knowledge of. I do not owe this company any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

attachment for XXXX # XXXX ERRORS ARE HIGHLITED!!
Product: Debt collection

I am writing to formally dispute and demand the immediate removal of an erroneous collection account, which appeared on my credit report in XX/XX/XXXX. This collection, reported by Southwest Credit Systems as the debt buyer, lists XXXX as the original creditor with an alleged original balance of {$64.00} and an account number ending in XXXX. Southwest Credit Systems claims this account was opened in XX/XX/XXXX, a claim that I categorically deny as inaccurate and unauthorized. 

Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am exercising my right to request that this fraudulent account be permanently removed from all consumer reporting agencies and to demand that Southwest Credit Systems cease all collection efforts immediately. This section of the FCRA expressly requires consumer reporting agencies to block information that the consumer identifies as resulting from identity theft or unauthorized use, and that any debt collector or creditor ceases any further collection activity related to the disputed account. 

The account meets the criteria for immediate removal and cessation of collection efforts due to the following reasons : Unauthorized Account and Fraudulent Activity : I did not authorize or open an account with Southwest Credit Systems, nor was I responsible for the account claimed to have originated in XX/XX/XXXX. 
Errors in Reported Information : The account reflects an inflated balance of {$81.00}, which differs from the alleged original balance of {$64.00}. Such inconsistencies and errors raise further suspicion of its legitimacy. 
Consumer Reporting Requirements : As this debt is fraudulent, all credit reporting agencies are required to block it from my credit report to prevent further damage under FCRA guidelines. 
The erroneous report of this collection account has negatively impacted my credit score and financial reputation, making immediate and permanent removal critical. I demand that all consumer reporting agencies update my file to reflect the removal of this account and ensure no further collection attempts by Southwest Credit Systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 account with Nelnet ( account for {$8500.00} ) is reporting a late payment in XX/XX/XXXX on my XXXX report, which is not possible because the account was paid in full BEFORE that in XX/XX/XXXX. The late payment reported has the wrong year ( should be XXXX ). This is harming my credit because it appears I was late a whole year more recent than I was. I have disputed multiple times and Nelnet keeps certifying to XXXX it is correct but it is not and it is IMPOSSIBLE if  you use logic to review the dates of the account. It is not possible to be late in XXXX if the account was paid off and closed in XXXX - that makes no sense at all. My credit report needs to be updated to a late payment in XX/XX/XXXX instead of XX/XX/XXXX. All of the other Nelnet accounts are reporting this way except 1 ( assuming it is a typo but it is causing me a lot of problems ). I need this fixed.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Complaint against Portfolio Recovery Associates , LLC for Violating 18 USC 894 Dear XXXX, I am writing to file a complaint against Portfolio Recovery Associates , LLC for violating 18 USC 894, which prohibits making extortionate extensions of credit. I believe that Portfolio Recovery Associates , LLC has engaged in predatory debt collection practices that have negatively impacted my financial well being and credit standing. 

Portfolio Recovery Associates , LLC has continuously engaged in aggressive and unfair debt collection tactics, including harassment. 

These actions not only violate 18 USC 894 but also constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ) and have caused me significant distress and financial hardship. Portfolio Recovery Associates , LLC 's conduct has made it challenging for me to manage my finances effectively and has had a detrimental impact on my credit score. 

I request that XXXX investigate this matter and take appropriate action against Portfolio Recovery Associates , LLC for their predatory debt collection practices. I urge XXXX to intervene on my behalf and ensure that Portfolio Recovery Associates , LLC complies with federal laws and regulations governing fair debt collection practices. 

Thank you for your attention to this issue. I appreciate your assistance in resolving this matter and protecting consumers from abusive debt collection practices. 

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

Under 15 USC 1681c-2, I request the removal of hard inquiries on my credit report that I did not authorize.
Product: Credit card

A payment in the amount of {$1600.00}, which was the last balance due as of XX/XX/XXXX, was sent and delivered to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX on XX/XX/XXXX. I have attached the confirmation that XXXX XXXX received this payment. I have confirmed with my bank that XXXX XXXX held this check and never credited my account. Instead, XXXX XXXX continue to withdraw funds from my bank account in the months of XXXX, XXXX, XXXX, XXXX, XXXX and now XXXX. Now, XXXX XXXX charged me finance charges XX/XX/XXXX in the amount of {$320.00} and again in XXXX in the amount of {$310.00}. for an account that was paid in full since XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

i want to remove for my credi report i or ready pay for this loan
Product: Checking or savings account

The issue carge in question is : XX/XX/2022 XXXX  Debit - XXXX  XXXX  XXXX  XXXX - XXXX XXXX XXXX  - {$1500.00} This is for my debit card ending in XXXX for checking account XXXX. Reason for dispute is credit not processed / order returned. 

The actual issue is that Navy Federal fails to process refunds for my charges when XXXX refunds me. I have emails from XXXX stating I was refunded. After weeks of no refund, I contact Navy Federal to do a chargeback. But they never initiate a chargeback and instead let it sit until it expires on their end. 

On XX/XX/2022, I placed order XXXX with XXXX XXXX XXXX was for an XXXX XXXX computer. I returned the order to XXXX on XX/XX/2022 via XXXX XXXX. 

I have an email from XXXX stating they have refunded me, but as of XX/XX/2022, no refund has been credited. XXXX states I was refunded, and Navy Federal fails to help in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry - XXXX Dear XXXX, I have received the letter that the Ombudsman 's Office should have received from Champion Mortgage. I am forwarding this letter to you and asking for your help because I feel that I am the victim of a serious tvery. The enclosed letter contains disinformation. I quote verbatim from the letter from Champion Mortgage : " Your reply will be sent no later than XXXX XX/XX/2023 ''. 
To date I have not received a reply from Champion Mortgage!!! 

It is totally incomprehensible to me what happened to the {$77000.00} reverse mortgage? 
Where is this amount that no one has ever used. The {$77000.00} reverse mortgage was transferred to Champion Mortgage. 

I only claim {$77000.00} + interest and damages as I am the daughter and heir of XXXX XXXX. 
My mother 's money was wrongfully taken by Champion Mortgage. 

Today I tried to report the new error to the Ombudsman 's office, but your system did not allow me to do so today. 
On my registered page, the Ombudsman 's office considered my case closed. Am I being ignored or am I persona non grata because I have Hungarian citizenship? 
I find it outrageous that neither my mother ( who became incapacitated due to illness and died in a XXXX home ) nor anyone else took out the reverse mortgage of {$77000.00}. Why was the {$77000.00} reverse mortgage loan transferred to and ( by whom ) Champion Mortgage? 
Please help me! 

Thank you. 
Best regards, XXXX XXXX
Product: Debt collection

Penn credit is reporting to my credit as balance being owed after I paid the collection in full.
Product: Credit card or prepaid card

I authorized payment of {$730.00} to pay the full amount owed on my USAA credit card on XX/XX/XXXX. The amount was paid from my XXXX XXXX checking account on XX/XX/XXXX. I chatted with a USAA representative on XX/XX/XXXX about my availabile credit. I was told that the funds were held for seven days and would not be released until the eighth day. This is giving USAA free use of my money for seven days. I think that paid amounts should be made available immediately. I am requesting that USAA change their policy about holding money.
Product: Credit card or prepaid card

I was disputing a charge with a card for XXXX and I had a disputed amount on the account. When I paid for most of my balance it did not let me specifiy which account to pay it to. I began accruing interest for a charge I believe was in dispute. I called and asked the bank to remove the interest charge so I can pay it in full. They refused and blatantly showed disregard for my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

A former complaint ( XXXX ) was filed and the reporting bureau failed to respond in a timely manner
Product: Student loan

On XX/XX/2023, I submitted my Income Driven Repayment plan application through studentaid.gov and that same day received a confirmation email from the US Dept. of Education, saying that I could expect to hear from my servicer within four weeks ( though it could take longer if the servicer needs more information from me ). On XX/XX/2023, I received an email from my servicer Nelnet, saying that they had received my IDR application, and asking me to make any payments due under my current payment plan until the completion of their review. On XX/XX/2023, I received an email from Nelnet, saying that my application is in process, and that if they haven't finished processing my application within 10 days, they will keep me informed with a follow up email. On XX/XX/2023, I responded to Nelnet 's XX/XX/XXXX email, noting that more than 10 days had elapsed since their email promising to keep me informed, but that I had received no follow up. I have still not received any response to that email. Today, XX/XX/2023, I received an email from Nelnet simply telling me that my student loan billing statement is now available. That statement shows that I'm still not on any IDR, that my stated monthly payment is over {$2000.00}, and Nelnet indicates that my next payment is due XX/XX/2023. It has been well over 4 weeks since I submitted my application. I have provided all of the necessary income information. Nelnet 's failure to process my application is unacceptable. I can not afford the full payment is coming due in the very near future. I need my loan servicer to get their act together and respond to my application in a reasonable time frame, and in any event, in advance of the next payment due date, especially considering that I submitted my application XXXX  days before that due date. Thank you.
Product: Debt collection

Dear Sir or Madam : This is a counter letter response to the email I received on XX/XX/2018 from the Texas Attorney Generals Office. 

Immediately remove the ILLEGAL medical FALSE DEBT charges from all 3 CREDIT REPORTING AGENCIES. I HAVE CONTACTED AN ATTORNEY TO PURSUE A LAWSUIT AGINST XXXX DBA as XXXX XXXX. Reason for suit is because XXXX XXXX falsified documents to the attorney Generals office regulating private personal information regarding HIPPA law violations. Also, a lawsuit against XXXX   XXXX and XXXX XXXX XXXX XXXX for double billing me as well as my XXXX XXXX XXXX. XXXX XXXX XXXX XXXX over charged and subsequently XXXX over paid. My Family was assured by the Doctor and Hospital that I would not be double billed by a botched XXXX  procedure performed by XXXX XXXX XXXX XXXX. I was informed on XXXX XXXX XXXX business name is XXXX DBA as XXXX XXXX. 

I didnt know my medical rights and due to a botched XXXX, this matter will be resolved by a third party. Your correct I did sign a promise note BEFORE XXXX was performed to be billed for one XXXX  and not billed for two. Also, at the time I didnt know they over charged my insurance company for twice the amount. Lastly, I was never informed and never received the HIPPA Law rights. 

XXXX XXXX suppressed documents. They violated the Federal Medical HIPPA Law and XXXX XXXX omitted certain pages suppressing documents when Billing Lead, XXXX XXXX from XXXX XXXX ( XXXX ) sent a letter to Attorney General XXXX XXXX   Office for a settlement offering to accept a one-time payment of {$400.00} paid in full on XX/XX/2018 and then I received the email from The Texas Attorney Generals office response on XX/XX/2018. XXXX XXXX sent only twelve ( 12 ) documented pages to The Texas Attorney Generals office. However, 5 pages of the 12 submitted to The Texas Attorney Generals office I have never seen before. XXXX XXXX from XXXX XXXX suppressed the real medical file they have on me. I again have included the actual total documented twenty eight ( 28 ) medical pages they have on record and prove they distributed my medical information on XX/XX/XXXX at XXXXCDT. I have mailed to everyone involved in my credit dispute exactly the twenty-eight ( 28 ) documented pages of my medical file that XXXX XXXX acquired from XXXX XXXX XXXX XXXX XXXX and then delivered all twenty-eight ( 28 )  documents of my private medical history to XXXX XXXX XXXX XXXX XXXX XXXX, and consequently violating the Federal HIPPA Law. 

Please see the attached documents and see notes on bottom and top of each page. XXXX DBA as XXXX XXXX is a foreign company and has no right to my medical information. 

All future communication will be handled by my attorney Thank you, XXXX XXXX
Product: Checking or savings account

I disputed a charge wit h TD Bank they  still have not reversed it so that the account is overdrawn constantly. They also debit the withdrawals before they deposit the credits to cause the account to be overdrawn. I had deposits totaling over  XXXX  and withdrawals that totaled around   XXXX   yet they still overdrew my account to charge me fees. The deposit was n ot one  that was put on hold it was an immediate credit.   They do this just to increase their charges. They have charged me close to {$5000.00} in fees year to date.   THEY ALSO DEBIT MY ACCOUNT FOR A CHECK IF THERE IS NOT ENOUGH FUNDS. EXAMPLE I HAVE {$100.00} IN THE BANK THEY ARE PRESENTED WITH A CHECK FOR {$1000.00} THEY DEDUCT THE {$1000.00} FROM MY ACCOUNT CAUSING IT TO BE OVERDRAWN $  XXXX  CHECK IS PRESENTED FOR {$45.00} THEY RETURN IT BECAUSE THEY HAVE MY ACCOUNT OVERDRAWN WHEN THEY ARE NOT PAYING THE {$1000.00} DEBIT
Product: Credit card

XXXX sold acct ( XXXX ) to clent services as theiur is XXXX insurance they failed to activate
Product: Debt collection

last year about this time i checked my credit report and i discovered that this unknow acct was placed on my credit report on all credit bureaus, apparentley it has been there since XX/XX/2016 i immediatley contacted all 3 major bureaus and explained i have no knowledge of said account i was prompted to dispute the inaccurate information and to contact the company i did explained that i dont even know anything about a XXXX XXXX XXXX, and this reporting is inaccurate and negativley impacting my credit score by placing a derogatory mark on my credit score. 
needless to say all info was verified by data furnisher. I have tried to dispute this over and over and the results are still the same.I would like to file a complaint with CFBP because i feel i have exhausted all measures to get this inaccuracy remove permanently from my credit report and history as well.. 
The Name of this company and address is LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX USA I would really like to get this issue resolved and deleted immediatley from all credit bureaus.. Thank you
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXXXXXX XXXX  XXXX XXXX Owed : $ XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00}