23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021 ( tracking # XXXX XXXX, I sent a certified letter via USPS mail to XXXX  requesting the debt be verified. On XX/XX/2021, XXXX  sent me investigation results showing the account was updated but sent no documents proving I owed the debt. On XX/XX/2021 ( tracking # XXXX ), I sent a certified letter via USPS mail to Colonial Auto Finance/CM stating that I felt my rights were violated as a consumer by their company for failing to validate the debt at my request and requested proof of their right to own/collect this alleged debt within 15 days of the letter. The letter sent to Colonial Auto Finance/CM was, '' delivered, Left with individual '' XX/XX/2021 at XXXX. I did not receive proof from Colonial Auto Finance/CM 15 days prior to sending a letter to them requesting proof of the debt. On XX/XX/2021 ( tracking # XXXX XXXX, I sent a certified letter via USPS mail to XXXX  explaining to them this is my third written request and final warning. Colonial Auto Finance/CM has no proof I owe this debt and I intent to pursue litigation in accordance with the FCRA to enforce my rights as a consumer. On XX/XX/2021 I received a letter from America 's Car-Mart dated XX/XX/2021 stating, " We do not provide general validation of account information or provide account statements. ''
Product: Credit card

My extended family was had rented a vacation house for this summer and I charged the first half on my Wells Fargo card. Several family members have been diagnosed with health problems and are unable to go. So we canceled the trip and the rental company refunded the $ XXXX payment that we made with the card. Now I have a - {$7800.00} credit balance. I want a refund obviously. They tell me that it will take a month to issue a refund check. Its a check. It shouldnt take a month to issue a simple credit balance refund. Meanwhile, we owe several people their share of the down payment and I cant give it to them because Wells Fargo says it takes them a month to issue a check.
Product: Credit reporting or other personal consumer reports

I received my credit report recently and noticed there is still a fraudulent account appearing. Reinvestigate and delete the accounts listed below : Account Name : XXXX XXXX XXXX. 
Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, XXXX and XXXX for their failure to correct inaccurate information on my credit report despite multiple dispute submissions. The inaccuracies have caused significant harm to my creditworthiness and financial standing. 

I have provided the credit reporting agency with detailed information regarding the inaccuracies and have requested corrections in accordance with the Fair Credit Reporting Act ( FCRA ). However, they have willfully and negligently failed to comply with the following statutes : 15 U.S. Code 1681n - Civil Liability for Willful Noncompliance : The agency has willfully disregarded the accuracy of my credit information.

15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance : The agency has negligently failed to address the inaccuracies on my credit report.

15 U.S. Code 1692k - Civil Liability : The inaccuracies have led to unfair debt collection practices, further compounding my distress and financial damage. 

I have attached a formal letter sent to Equifax, XXXX and XXXX, detailing my demands for correction and the legal basis for my claims. I would like the CFPB to be aware of the wrongful actions by the credit reporting agency and to intervene to ensure that they comply with their legal obligations under the FCRA and rectify the inaccuracies on my credit report promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, I am Glad, to further bolster my argument that I am right and Experian is a scrap heap of excrement, the CFPB, SAVES AND HAS SAVED OVER 5 OF MY ACCOUNTS AND 22 EXPERIAN RELATED DISPUTES WITH HUNDREDS OF PDF DOCUMENTS THAT ARE UNDENIABLE THAT MY STATEMENT IS NOT A LIE AND DISABUSE EXPERIAN NOTION THAT ITS BEEN VERIFIED, the fraudulent account From XXXX XXXX XXXX. I have subsequently spent hours downloading all of it. The ball is certainly in their court and I ask the CFPB, even with XXXX Pro Business Trumpist, to investigate this malfeasance with respect to The XXXX  XXXX XXXX account and further to the positive accounts they unfairly and illegally punished me for by deleting them. Then forward the illegality for prosecution to the United States Department of Justice Office of Consumer Protection!
Product: Credit reporting or other personal consumer reports

The companys XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX  ) did not address the issues of opting out per the Fair Credit Reporting Act, The privacy act of 1974 or 15 USC 6801 B. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 

XXXX has stated that they submitted for removal of the account in a previous complaint. 

I gave no written instructions allowing this report to be made. No options to opt out were given to me. I have told them multiple times i wish to opt out of their reporting. XXXX, XXXX, and Experian have also failed to delete the accounts of the report. 

" ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom. '' 16 CFR 313 313.7 " Form of opt out notice to consumers ; opt out methods.

( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. '' And as a collection agency, the certificate of in-debtness has turned that account into one that is reporting income. Income can not be reported to a credit report.
Product: Debt collection

This invades my privacy with this being on my record. 
XX/XX/2017 all charges include XXXX XXXX XXXX XXXX XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

15usc1681b no permission to place on consumer report. 
Privacy law broken according to the privacy Act of XXXX  which protects personal info held by federal gov't preventing unauthorized disclosures of such info. Consumers have the right to review such info, request corrections, and be informed of any disclosures. 
Each violation is {$1000.00} per violation Late fees should not be reported according to 15usc1666b timing of payments 15usc1681 ( 2 ) a ( i ) is a transaction report, and transactions are excluded from the report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX chargeoff account ... Business tax deduction, worthless, uncollectible debt, needs a 1099c..balance should say {$0.00} since it is already paid by the IRS. 
XXXX XXXX XXXX XXXX also a charged off debt that needs to be removed off of the account or reflect a {$0.00} balance, which is uncollectible, worthless debt, business tax deduction, need a 1099c
Product: Credit reporting, credit repair services, or other personal consumer reports

These account does not belong to me. It was was opened XX/XX/2020. 

XXXX Account number unknown. 

Equifax was made aware over 60 days ago
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DEPTEDXXXX XXXX Balance Owed : {$570.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$6000.00} CONNS XXXX Balance Owed : {$8500.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$5500.00} DEPTEDXXXX XXXX Balance Owed : {$7600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1200.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$3700.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$570.00} DEPTEDXXXX XXXX Balance Owed : {$6000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$5500.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$7600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1200.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1600.00} DEPTEDXXXX XXXX Balance Owed : {$3700.00}
Product: Debt collection

I received a collection notice from AFNI , Inc. alleging I owe XXXX. I do not and have never had a debt with XXXX and the debt is disputed.
Product: Debt collection

On XX/XX/21 I sent a debt validation letter to XXXX for a debt that I don't recognize and they sent me a bunch of paper and bills. According to the fair credit reporting act they must send a sign contract with my name on it not statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I went through a mortgage modification. The modification was a FHA-HAMP modification agreement. Under this agreement, HAMP states that lenders are supposed to report all payments as on time and paid in full. XXXX XXXX  honored that until XX/XX/XXXX. 
I fulfilled all requirements satisfactorily. My trial agreement was from XX/XX/XXXX until XX/XX/XXXX and no payment in XX/XX/XXXX. XX/XX/XXXX the modification would be effective. 
In XX/XX/XXXX I reached out to XXXX XXXX about this issue. I received a call from the underwriter that there is an error and it would be corrected. A week later I received a letter in the mail stating that their reporting is accurate and they will not update my payments to on time and paid in full, including some new payments made on time after my modification was effective. They have breached the HAMP modification reporting and also have breached the notarized contract that was signed. Currently they are reporting to Transunion and XXXX 12 missed or late payments.
Product: Payday loan, title loan, personal loan, or advance loan

Hello, On XXXX, I attempted to make my XXXX payment, which would have brought the account current before it came 30 days late. When I attempted the payment, the system would not allow me to make the payment. The next day, on XXXX at XXXXXXXX XXXX  when I called in, I reached customer care, speaking with a female named XXXX. I explained to her that I was not able to make my payment yesterday due to system error. She, XXXX, on a recorded line, started " Yes, there were multiple customers who could not login because of the system outage. 

After making my payment to bring the account current, I then exclaimed to her, how I have 100 % on time payment history on my credit report and how I should not receive a 30-day late ding on my credit report because their systems were down. She told me how she agreed with me and understands but it is automatically generated by the system and how it was out of her control. 

I then asked to speak with a supervisor, to which she agreed and placed me on hold. She came back after several minutes of being on hold and told me it would be a little longer, and asked if she could place me on another hold? To which I agreed, so she did so. This happened two more times for a total of about 3 hold request, to which she came back and offered me the call back another time, or wait for it to hit my credit report and dispute it at that time.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX A XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX Balance {$32000.00} XXXX XXXX XXXX XXXX Balance {$2300.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX CO XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX : Bankruptcy Date Filed XXXX XXXX, XXXX Reference Number XXXX XXXX XXXX : Bankruptcy Date Filed XXXX XXXX, XXXX Reference Number XXXX XXXX XXXX XXXX  XXXX Balance {$190.00} XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX TN XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries or accounts. This is a violation of 15 USC 1681b ( a ) ( 4 ) right to privacy and 15USC 1681b ( f ) reporting inquires without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove these following items immediately : XXXX-XX/XX/2021 XXXX XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint to TRANSUNION regarding inaccuracies in the reported data on my credit file. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. My date of birth is XXXX, and the associated XXXX report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under XXXX XXXX XXXX sec. 
XXXX, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Product: Prepaid card

In the month of XXXX as a graduation gift, I received an AMEX gift card with a balance of {$100.00} on it. I didnt attempt to use the gift card until XX/XX/year>. On XX/XX/year> I attempted to use the AMEX gift card to refill my XXXX gift card balance but after three failed attempts because XXXX wouldnt accept it ( each attempt it would remove XXXX cents from the gift card balance ) i decided to try and purchase items from my XXXX cart. The total of the cart ended up being {$100.00} which I put the gift card down as a debit card for the payment and the XXXX dollar amount was covered from my XXXX gift card balance that I already had, the payment went through according to XXXX. As of XX/XX/year> XXXX emailed saying the payment was failed and I must replace the payment method. When I attempted to call the AMEX gift card number to try and check my balance the number said that the gift card no longer worked and the balance was no longer available.
Product: Debt collection

debt collector for ambulance company continues to call and send mailing as of XX/XX/year> for a debt that has been paid since XXXX
Product: Debt collection

I was approved for a pay day loan of {$500.00} from Acceptance Solutions Group on XXXX XXXX, 2016. As part of my agreement with the company, I was required to pay {$140.00} every other Friday ( my pay day ) until the total loan amount + interest was paid off. I set payments up to be drafted from my checking account initially. 

When I started struggling to cover all of my bills and noticed over draft fees were being charged I called Acceptance Solutions Group and asked that they remove my bank information from my account- I told the customer service representative that I would like to start making my payments over the phone manually. I was informed by that same representative that my banking and card information was removed from my account and I should n't expect any more auto drafts to take place. The very next Friday ( pay day ) I noticed that a payment was made with my card information ( not a bank draft, but they still used the card information that I had asked them to remove just a week prior ). I called Acceptance Solutions Group again and asked the representative to make sure that both my banking AND card information was taken off the account to prevent me from incurring any overdraft fees with my bank. The representative then got very frustrated that I asked this of him and transferred me to his manager. The manager got on the line and, in a very condescending and rude tone, told me that he would not remove my card information and informed me that they do not allow payments to be made over the phone or online manually because, " This is an online company so everything is done online. '' I was confused and frustrated at this point so I told the customer service manager that I would simply take matters into my own hands and turn my debit card off to prevent any future drafts from being made- despite what I had already asked the company to do for me TWICE. 

Acceptance Solutions Group has now called my cell phone and WORK phone and left personal information about my account on both my personal and WORK voicemails ( which are not private ). This is a violation under The Fair Debt Collection Practices Act ( FDCPA ) that expressly regulates calls to third parties in section 15 U.S.C. 1692b ( 3 ), stating that a debt collector shall " not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information. ''
Product: Mortgage

Mortgage services Shell point requested a copy of my condo buildings hazard insurance via a letter that was mailed to me. Utilizing their XXXX XXXX XXXX service I promptly submitted a copy of the new insurance binder. When I received the same letter shortly there after I resubmitted the updated binder and followed up with a 40 minute phone call to get the issue resolved. 

Shortly thereafter I got a letter saying they had purchased insurance on my behalf. I finally got ahold of someone in their insurance department who was component and I was able to email the binder to and was told my file has been updated. 

I just discovered that they are billing me lender imposed insurance premiums. 

Uploaded an updated insurance binder via XXXX XXXX XXXX on XX/XX/22 and XX/XX/22. Followed up with a phone call on XX/XX/22. Called again on XX/XX/22 and emailed insurance binder. Was told on XX/XX/22 my account was updated to reflect the binder being on file. 

On XX/XX/22 my escrow was debited {$170.00} for Lender Placed Hazard Disbursement. On XX/XX/22 my escrow was debited {$58.00} for Lender Placed Hazard Disbursement.
Product: Debt collection

I was repeatedly put on administrative forbeance in order to have my loan interest accumulate. And my online account stated completely different information. It's fraudulent and unethical. My original loan amount was {$27000.00}. I allegedly owe {$41000.00} according to my loan amount. There is a class action settlement for the loans that we're affected during the time that my loan was with Navient. This reporting of fraudulent activity is against the law and is negatively affecting my debt to income ratio because of the unlawful actions taken on my loan. My loan is also reflecting a {$16000.00} Pell Grant that I never received.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple over draft fees I have incurred. Despite having sufficient funds when the transaction was authorized, I was charged do to purposeful lagged postings of charges and credits. This issue aligns with the recent CFPB findings against NFCU for similar practices, where transactions settled with insignificant balances despite initially available funds. I believe these these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I moved out of my apartment about 6 months into a 12 month lease. The landlord and I agreed they would keep the security deposit and I would move out voluntarily in 7 days. A week later I gave the building manager the keys and became homeless. 

I recently saw a collection account on my credit report for {$9600.00} from IQ Data showing the apartment building as the creditor. I called IQ Data and asked them to email me documentation about the amount. They offered to send it US mail but refused to email it to me. I am homeless and do not have a mailing address because I can not find a new apartment with their collection on my credit.
Product: Credit card or prepaid card

approx.  XXXX   American Express Credit Card Co. offered their so called " valued customers " a special deal on magazine subscriptions for a small service fee. However at the end of the trial subscription they automatically charge you an exurbanite amount for the magazine without any notification to the customer. The American Express company will not even let you file a charge dispute. They refer you to series of numbers which just happens to be in their system but are saying is a separate company that needs to be contacted. I have made several attempts to file a grievance with American Express but they are denying responsibility for this special offer to " valued custome rs '' I am on a fixed senior citizen budget and can not afford the hidden rewards that this credit card company wishes to bestow on me
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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