23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Call  amsher  and told them that I would like to have verified this account bearing my signature as I was on the phone the people there were  rude  will hang up once I called called to get account number they will not give there supervisor  XXXX  I believe the name was very rude as I ask her to send me something bearing my signature as well and she refused and hung up the phone. To Whom It May Concern : This letter is regarding account #  XXXX  which you claim my account was charged off $ This is a formal notice that your claim is disputed.     I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have  ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including   XXXX   XXXX   an d   XXXX    ) fr om your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.     Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.   Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section  807-8 )  You will be required to appear in a court venue local to me, in order to formally defend yourself.   For the purposes o f 15 USC 1692 et se q., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.     Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.       P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.   C onsent to publish the description of what happened? Consent provided This is about a ( n ) Debt c ollection :  Other ( i.e.  phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount  DESIRED RESOLUTION
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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: Student loan

This is the second complaint i have had to file against navient ... last year and again this year about income based repayments. They dont respond, push forbearance and after sending in a pay stub for income reduced payment, I received an email saying they needed more info and they were sending paperwork for me to fill out. 1 month later and after sending them an email and asking where my paperwork was i still have had no response and after working so hard to increase my credit score im endanger of it being once again messed up by navient because i cant afford {$500.00} in addition to the {$180.00} im already paying. I make {$400.00} a week. Navient still isnt trying to make things right for their customers. Nothing has changed with this company. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I asked the credit bureaus to send me proof of my written authorization and the permissible purpose I made I never received any response from them.

In accordance with the Fair Reporting Act, these companies have violated my rights. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Listed below are the companies and the date of inquiry : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

FIRST NOTICE!!! As a federally Protected civilian/consumer/natural person I DEMAND these accounts be removed! The information listed which appears on my credit report, does not relate to any transaction ( s ) that I have made. You/reporting agency are in violation pursuant to 15 u.s. code 1692d ( 1 ), 15 u.s. code 1692j ( a ), 15 u.s. code 1692e ( 1 ) ( 2a ) ( 3 ) ,15 u.s. code 1692c ( a ) for helping to facilitate entities/companies to commit fraud. You/reporting agency are also in violation pursuant to 15 u.s. code 1681r for sharing/communicating my private civilian/consumer/natural person file to other unknown entities without my consent. If this is not resolved Within XXXXdays of receiving the FTC Affidavit I will take lawful action ordering judgment against you and the Debt collector under 15 u.s. code 1692k for damages.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent accounts that remain on my credit report despite my repeated attempts to resolve this matter. I have contacted TransUnion multiple times and provided all necessary documentation, including an FTC fraud report. However, these fraudulent accounts have not been removed, and I have not received any follow-up action on my case. 

When I initially reported these accounts as fraudulent, I was informed that the accounts would be removed within 4 days upon submitting the required FTC report. However, no changes have been made to my credit report, and I continue to see these fraudulent accounts listed. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies investigate and correct inaccuracies or fraudulent information within 30 days of receiving a dispute. 

Under FCRA ( 15 U.S.C. 1681i ), credit reporting agencies must remove or correct fraudulent information if it is disputed. Additionally, when a consumer submits proof of identity theft or fraud, such as an FTC fraud report, the FCRA ( 15 U.S.C. 1681c-2 ) mandates that the credit reporting agency must remove the fraudulent information within 4 business days. I have provided all necessary documentation, including the FTC report, and I was informed that these fraudulent accounts would be removed within the specified timeframe. However, no action has been taken.

Furthermore, the Fair and Accurate Credit Transactions Act ( FACTA ), which amends the FCRA, requires that fraudulent information be removed promptly upon receiving the necessary documentation, and certainly within the 4-day requirement. The failure to remove these fraudulent accounts within the specified time is a clear violation of both the FCRA and FACTA, which were designed to protect consumers from the long-term consequences of identity theft.

I kindly request that you take immediate action to remove these fraudulent accounts from my credit report and provide written confirmation that the removal has occurred. If this matter is not resolved within the next 30 days, as required by law, I will be forced to pursue further legal action to enforce my rights under the FCRA and FACTA.

Thank you for your prompt attention to this matter. I expect a timely resolution in compliance with the law.
Product: Debt collection

Velocity Investments , LLC appears to be engaging in systematic, unlawful debt collection practices on a national scale, violating the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ) and Consumer Financial Protection laws. Their debt collection and litigation tactics are harming thousands of consumers across multiple states, many of whom may not even owe the debt they are being sued for. 

Key Issues with Velocitys Practices : Failure to Validate Debt Before Pursuing Collection & Litigation Velocity fails to provide legally required documentation when requested, including : - A signed contract proving the alleged debt belongs to the consumer. 
- A complete chain of title demonstrating ownership of the debt. 
- An itemized breakdown of the balance owed. 

Despite these failures, they continue collection efforts and legal actions, placing undue burden on consumers. 

Mass Filing of Lawsuits Without Proper Documentation Public records indicate Velocity has filed thousands of lawsuits nationwide against consumers, often without sufficient documentation to prove debt ownership. 
Instead of providing legally required proof, they rely on boilerplate affidavits, unsigned disclosures, or generic statements, which do not meet legal standards for debt validation. 

A Systemic Pattern of Litigation Abuses Many of these lawsuits result in default judgments because consumers lack the legal knowledge or financial resources to challenge them. 

This practice mirrors XXXXXXXX XXXX XXXX violations, which led to a {$15.00} XXXX settlement with the CFPB for similar unlawful collection tactics. 

Widespread Consumer Harm Across Multiple States This is not an isolated issueVelocitys litigation and collection practices have affected consumers in multiple states, including but not limited to Arizona, Texas, Florida, California, and New York. 

Consumers who challenge Velocitys claims in court often face delays, lack of responses, and continued collection efforts despite noncompliance with legal validation requirements.
Product: Debt collection

I sent payment for a bill via mail when I called to inquiry why payment had not been applied I was informed that I had post dated my check for the month of may. I informed the rep that was incorrect and the payment was to be applied XXXX/XXXX/16 ; I authorized them to change the date if incorrect and withdraw payment of {$90.00} listed on check. At the time I was offered to also set up payment for the remaining balance, I inquired if this would incurr a fee because payment over the phone stated it had a fee? I was informed by their employee that since they had the information and were processing a payment, the administrative fee would be waived. I asked again if she was sure of the procedure because I understood there was a {$9.00} administrative fee otherwise I would just mail a check. I was assured that would not occur. Upon checking my financial balance I noticed an electronic check withdrawl for a {$99.00} fee. I immediately called and spoke to a supervisor and was told that was incorrect, he had to check the tapes of the conversation. I would be refunded my {$9.00} but he was unaware of when that would happen. It may take time for them to return my money that I did not agree to have them withdraw.
Product: Checking or savings account

I am writing to formally dispute the recent XXXX XXXX XXXX XXXX XXXX report, which incorrectly classifies my XXXX XXXX account, not held for XXXX years, as " Account Abuse. '' This classification is unfounded and lacks any supporting evidence, mainly because I have maintained a responsible banking history during this period. Furthermore, following the abrupt closure of my account by Chase Bank, I was not provided with any justification for this action, leaving me confused and concerned. As a result of these issues, I have encountered significant difficulties in opening a new checking account, as major banks associated with XXXX XXXX XXXX have denied my applications without explanation or ways to remove this blemish from XXXX XXXX XXXX This situation is frustrating and unjust, and I request a thorough review of my account history and the associated claims to rectify this matter.
Product: Payday loan, title loan, or personal loan

I emailed XXXX on XX/XX/2019 to advise that we had conflicting information - no response. 

I called on XX/XX/2019 - verified that we had conflicting information, and advised the representative that my lease had been paid in full and to discontinue taking funds from my account. 

My payments have not been accurately reflected on their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I submitted an ID Theft package based on instructions from the FCRA 605B which included a signed FCRA Affidavit, police report and proof of my address and identity. However, all 3 bureus only processed part of my request and left several fraudulent accounts still reporting. They stated that the accounts were verified by the creditor which is impossible!
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XX/XX/XXXX XX/XX/XXXX XXXX Balance : {$0.00} XXXXXX/XX/XXXX XXXX XXXX : {$44000.00} XX/XX/XXXX XXXX Balance : {$0.00} XXXXXX/XX/XXXX Balance : {$9800.00} XX/XX/XXXXXXXX Balance : {$16000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX2021 I sent a letter out regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a credible response yet. I feel like I am being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that a failure to properly investigate any items within 30 days gives a reason to immediately remove them from the credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to XXXX XXXX Mortgage three times requesting proof that that I my loan was paid for less than the full balance. All they do is to write me and say that I did not fully pay off the mortgage even though my balance is showing XXXX. They never sent me any pay history showing details ... .That is not sufficient proof. They should be providing copies of every monthly statement for the year XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent my FTC report, Florida driver 's license to XXXX, XXXX, and Equifax. I have notified them about fraudulent accounts on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX numerous of times explaining that several accounts that they are reporting is FRAUD. My last request from XX/XX/2020 has been well over 90 days without any response. I keep providing documentation that they are requesting but they are not updating the information. I am asking AGAIN that the accounts for XXXX XXXX {$1700.00} & {$1600.00}, XXXX XXXX XXXX XXXX {$710.00} ( which I never received a response back & still reporting this fraud account ), XXXX {$850.00} , XXXX ( which I never received a response back & still reporting this fraud account ), XXXX XXXX {$810.00} ( which I never received a response back & still reporting this fraud account ), XXXX XXXX ( which I never received a response back & still reporting this fraud account ) & XXXX XXXX XXXX {$140.00}, XXXX. I have never received anything from these companies & these accounts should not be listed on my credit report. AGAIN, I am asking that this information be blocked & deleted
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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: Mortgage

Wells Fargo Home Mortgage has yet to address issues that was requested back in XX/XX/XXXX & XX/XX/XXXX in which they was mailed several US Reg Mail in which they sign for. I requested in XX/XX/XXXX proof of the series bonds front and back be sent to me for proof that this was a legal loan to the series bonds on the instrument that makes the loan legally binding. The was no effort on Wells Fargo Home Mortgage to ever send what was requested. I also have phone records that Wells Fargo Home Mortgage was not calling back to address the issue they had assign it to a direct person in which every time I call him he was saying he was working on it. 4 months past and nothing of the requested information was sent or address dealing with the series bonds and information I requested. I have over 175 calls detail on one phone line to how many tines I called. My other phone line has over 90 calls that all detail going back to this person that claim they was going to provide the information requested. I have it all on my phone bill detail billing. 

There has never been no effort to provide the issue with wells fargo home mortgage on what has been requested. This has been going on since XX/XX/XXXX and I have the documents and the detail phone bills as US REG Mail as proof to the issues and how wells faro home mortgage has dodge the issues at hand with fraud done on there part and not providing documents I have requested
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and I did not make or authorize these charges, I have included a copy of my police FTC report and two forms of id to verify my identity, I am requesting that those charges be removed immediately.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX

XXXX/2025 Citibank Customer Service Dear Sir/Madam , Re : Complaint regarding account closure and delayed fund access I am writing to express my concern and frustration regarding my Citibank account , which was recently closed without my prior consent. Despite my repeated requests, I have not received a check for the remaining balance, and I am being told to wait 30-60 days for the funds to be processed.

I urgently need access to my own funds, and I have provided all necessary documentation to verify my identity and account ownership. I request that you expedite the processing of my account closure and release the funds to me as soon as possible. 

I would appreciate it if you could look into this matter and provide a prompt resolution. If there's any additional information required, please let me know. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Company closed all six of my accounts with Comenity Bank. Comenity requested verification documents from me and I replied. I sent requested documents twice to the company and yet my accounts were still closed.
Product: Mortgage

We assumed a XXXX XXXX XXXX XXXXXX/XX/year>. The closing cost included a {$1500.00} miscellaneous fee, which we were told was XXXXXXXX XXXX payment, due on XX/XX/XXXX. We made the payment but disputed the payment with the lender. We setup automatic payments with the lender to avoid late fees. We noticed that our monthly mortgage payments vary several hundred each month, so we reviewed our mortgage statements today. 
We discovered we were charged a late fee of {$63.00} for XX/XX/year>, even though the XXXX payment was collected XXXX XXXX  and addressed to the prior property owner. The statement for XXXX included both XXXX and XXXX billing demand. 
The statement for XXXX double billed the escrow impound from {$300.00} and XXXX. Several statements show partial payments, even though our automatic payment are setup for only full payments. 
This company needs an audit of their booking.