23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing in regards to the debt you claim I owe, which is definitely an error. I request that you provide me with a validation of the debt, as required by the Fair Debt Collection Practices Act. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX
Product: Debt collection

I'm disputing validity of the alleged debt in it entirety this company has been illegally attempting to collect a debt I do not owe and negatively credit reporting inaccurate information. never received notice in writing they did not investigate disputed information before reporting to credit bureau
Product: Checking or savings account

I am adding a police report to to a previous complaint I made. I am the victim of identity theft and all my accounts at Wells Fargo were affected. All my transactions were rectified except for one. Wells Fargo says I went into the branch in person to withdraw foreign currency but I was not in the country while this happened. I had all my ID 's with me and I did not give consent for anyone to do this. I was also locked out of my accounts online so I could not monitor this at the time. I also provided my flight information to prove I was not in the country. 

the previous claim number is : XXXX I made a police and am attaching it here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately XXXX XXXX XXXX XXXX - XX/XX/2022 - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX - XXXX - This is not mine- this belonged to a patient who is no longer living. Remove this from my report. - Please remove it from my credit report XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not have my written consent to put the accounts Ive requested removed in the affidavit attached.
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. 


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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I Have good credit and TJX Rewards wont upgrade mycredit card to a master card and I do n't think that its fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 


XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$22000.00}
Product: Prepaid card

DISPUTE TRANSACTION INFORMATION Merchant 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 Transaction 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 Transaction Amount {$13.00} {$29.00} XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5.00} XXXX {$50.00} XXXX XXXX XXXX I got my gift card on XX/XX/XXXX but never used my vanilla gift card they refused to give me my money back I believe they stole my information and used it total XXXX $
Product: Money transfer, virtual currency, or money service

I am writing to state my concerns regarding Zelle 's handling of disputes, particularly in reference of the recent CFPB lawsuit that highlights significant issues with the Zelle platform. Despite using this platform numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me recovering lost funds were impossible and and that tracking these transactions was unfeasible. The CFPB 's findings also indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting

I disputed a public record for removal on  XXXX   XXXX ,   XXXX   online, in regards to  XXXX  bankruptcies on my credit report that was not factual, and I received a response for both public records that they completed the request on  XXXX   XXXX ,   XXXX  . According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it s tates that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 8 days after the dispute, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this public record display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for the public records. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting or other personal consumer reports

XXXX Account Number - XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit reporting or other personal consumer reports

The company is my mortgage loan servicer called SNS SERVICING. they took over 2 years now, I started to notice my mortgage payments are not reported to all 3 credit bureaus. I started to requested for them to report it, they're stating they do not report unless borrower request for it. I requested on XXXX, XXXX and it is now XX/XX/XXXX nothing is reported. I have communicated with the manager XXXX XXXX from the company numerous time over the phone and emails. She's stating everything is current. which is not true, still nothing showing on my credit. She then requested me to go to XXXX website to file a complaint to 3 credit bureaus. the website allows servicer to report and not borrower. I calXXXX XXXX helpdesk and they advised same, they told me it's not for borrower and servicer responsibility to file a complaint. I have forwarded this information to XXXX XXXX and she still insist that I file a complaint with XXXX. the company is SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX XXXX XXXX  CONTACT : XXXX XXXX PHONE : XXXX EMAIL : XXXX LOAN # : XXXX
Product: Debt collection

Two fraudulent debt collections ( in the amount of {$320.00} and {$210.00} ) have been filed on my credit report from Phoenix Financial Services, LLC. After calling them, they stated that I have unpaid debts from XXXX ... ( Please note that this alleged fraudulent debt they are trying to collect is more than 7 years old ) On XX/XX/XXXX, I requested a debt validation letter but was told I needed to wait 2-3 weeks for it to be sent. One full month later, no debt validation letter has been delivered. 

On my last attempt, I sent a letter ( via certified mail ) to Phoenix Financial Services, LLC requesting that documents validating the debt be sent. To this date, no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. Phoenix Financial Service has failed to validate this alleged debt within the 30 days allotted time frame pursuant to 15 U.S.C section 1692g.

I request CFPB to take the necessary steps to protect me from this fraudulent action by Phoenix Financial Services, LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that equifax opened a dispute that I did NOT initiate for XXXX XXXX XXXX therefore dropping my score. Complaint number XXXX was made against them on XX/XX/18. Their careless acts can affect my ability to get a loan. I will find out what legal ramifications go along with this.
Product: Credit reporting or other personal consumer reports

I have been a victim of fraud and also the equifax data breach I reviewed a copy of my credit report from equifax transition and Experian I noticed some accounts that are fraudulent I requested that theses accounts be deleted immediately There was an improper investigation done
Product: Consumer Loan

I purchased my vehicle XXXX Cadillac Deville DHS from a Buy here Pay here car dealership on XXXX/XXXX/XXXX. The buy here pay here then sold my account with them to Eagle Finance. The loan terms and payment amount stayed the same. It was sold to them XX/XX/XXXX. Prior to being sold to Eagle Finance the car was constantly having engine mechanical problems. I was making payments plus paying for major repairs. XX/XX/XXXX the car engine failed causing again causing more money to be paid out to be fixed. the coils, spark plugs, coil module went out causing over {$1000.00} in repairs. the car also needed new struts, and shocks which was another {$800.00} repair. As of today XXXX/XXXX/XXXX the car is still broke down and not running. The fuel pump is out and the coils and spark plugs and cylinder XXXX, XXXX, and XXXX are out and the will not fire, if it does does start it runs rough and then stalls. I was put in a hardship by trying to make my car payments plus pay all these engine repairs. Eagle Finance did n't wan na hear about my hardship or problems. I told them to come get my vehicle and i would voluntarily give it back, they refused. I figured they could auction it off and sell it and i could pay the deficiency balance and again refused. On XX/XX/XXXX i get a letter from XXXX XXXX XXXX XXXX advising the amount due is {$4500.00} I was told by XXXX XXXX on XXXX/XXXX/XXXX that the balance is now {$4800.00}. The loan was defaulted and charged off by Eagle Finance. So I was told that {$300.00} was added additionally for court cost by XXXX XXXX XXXX, how can i be charged for court cost when this account has not been filed in any court. They are trying to add hidden fees and take advantage of the situation. Eagle Finance wont repossess the car because they know the value of the car is worth less then what is owed. The vehicle has XXXX miles on it and the XXXX value to a private owner is {$2500.00} as of XXXX/XXXX/XXXX. The office manager ( XXXX ) at Eagle Finance laughed and told me that there was n't anything the CFPB can do. if nothing is not rectified I will be filing a lawsuit against XXXX XXXX and XXXX XXXX XXXX for predatory lending, XXXX states have passed anti-predatory lending laws. XXXX, XXXX, XXXX, XXXX, XXXX, North XXXX, XXXX, XXXX, XXXX and XXXX are among those states considered to have the strongest laws. Other states with predatory lending laws include : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. These laws usually describe one or more classes of " high-cost '' or " covered '' loans, which are defined by the fees charged to the borrower at origination or the APR. While lenders are not prohibited from making " high-cost '' or " covered '' loans, a number of additional restrictions are placed on these loans, and the penalties for noncompliance can be substantial.
Product: Money transfer, virtual currency, or money service

I made XXXX out of XXXX payments to a service provider in XXXX. I stopped when I realized it could be a scam. I have been trying to have the provider come through with the deal we did, but they are offering half a job for all the money or no job and no refund. 
I did the payments through Wise US Inc with whom I have a checking account. 

The payments and dates are : {$3300.00} on XX/XX/year>, {$5300.00} on XX/XX/year>, {$5300.00} on XX/XX/year>, {$5300.00} in XX/XX/year>. 

I tried to reverse the payments through Wise but they provide no such option.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XX/XX/XXXX Subject : Credit Report Dispute under 15 U.S.C. 1681 ( e ) To Whom It May Concern, I am writing to formally dispute the accuracy of the information listed on my credit report, as per the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681. Specifically, I have identified the following inaccuracies that I believe require correction : XXXX. Account Name : XXXX XXXX XXXX OF XXXX XXXX Partial Account Number : XXXX o Date Reported : XX/XX/XXXX,, XXXX o Nature of Dispute : Identity Theft. I believe this account was opened fraudulently in my name without my authorization. 
As per the Fair Credit Reporting Act, I request that you conduct a thorough investigation into this matter and update my credit report accordingly. Under 15 U.S.C. 1681 ( e ), credit reporting agencies are required to investigate disputes within XXXX  days of receiving a dispute notification.

To assist in resolving this issue, I am attaching the following documents : Please see attached Data Breach supporting documents.

I respectfully request that you remove or correct this fraudulent information on my credit report immediately. Please provide me with the results of your investigation in writing and include any actions you have taken to resolve this matter. 
Thank you for your prompt attention to this dispute. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

{$650.00} I am requesting an investigation of the following data that appears on my credit report. Specifically, Im disputing the records that your company is sending to the credit reporting agencies.

When I disputed this record with the credit bureaus, they stated the information was verified. However, because credit recording agencies often use software that doesnt provide complete investigations, I am disputing the information directly with you. This is my right under section 623 of the Fair Credit Reporting Act ( FCRA ).

If you can not perform this type of investigation or locate all of the records to investigate this dispute, please update the credit bureaus to remove the information. 

Im also asking that you send your method of investigation, along with all records, as well as documentation that proves the account belongs to me. Then I may conduct my own investigation.
Product: Checking or savings account

Navy Federal has taken close to XXXX dollars from my accounts claiming I owe overdraft fees for accounts they charged off and removed from my online view when I ask for explanation and breakdown of charges I was hung up on twice I do not owe navy Federal this amount of money and this is fraudulent
Product: Mortgage

SCAM ARTIST - Specialized Loan Servicing , LLC XXXX XXXX XXXX, XXXX, CO XXXX - DEBT COLLECTOR, as printed on their Notice ; XXXX XXXX XXXX, XXXX. 

Received today a Notice dated XXXX/XXXX/XXXX " purportedly '' from XXXX XXXX XXXX XXXX advising of service transfer of an alleged loan to this company, but payments to be remitted to a GA address effective XXXX/XXXX/XXXX - P.O. XXXX XXXX XXXX, GA XXXX. SCAM artist collecting for an alleged account that has already been closed in XXXX, and reflected as such in Credit Bureaus. Additionally, the following are marks of intentional misrepresentation and considered Fraud under 15USC 1692e:1. Notice says : " this communication is provided..with regard to our secured lien on the above referenced property '' ... If they are " purporting to be a servicer '' - they can not be the owner of a lien - 15USC 1641f1-f2, albeit alleged account is already closed. 

2. Notice itself bears an XXXX letterhead - but only a photocopy- not original. Also, XXXX 's address XXXX, IA - has been replaced with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ). 

3. Notice does not indicate alleged account 's principal balance. 

The facts - account has closed in XXXX ; XXXX made an illegal attempt to collect in XXXX but after failed Debt Validation which involved CFPB, XXXX Office in CA and XXXX 's XXXX XXXX - Office of Consumer Ombudsman for XXXX - XXXX issued a letter advising XXXX to disregard XXXX 's collection letter. XXXX XXXX XXXX was also hired by XXXX to illegally attempt to collect - but could not validate alleged debt - and has since STOPPED further collection efforts after a Cease and Desist was issued on XXXX XXXX. 

FTC Complaint was filed today XXXX/XXXX/XXXX - reference number XXXX. A Debt Validation will also be issued shortly to this Specialized Loan Servicing , LLC. 

Thank you for helping investigate and enforcing the authority of your Offices to STOP fraudulent and unfair debt collection practices that hurt US Consumers.
Product: Debt collection

We received a mailed collection letter from Transworld Systems Inc in the amount of {$13.00} plus {$1.00} collection fees on behalf of XXXX XXXX XXXX. This is not our debt, for XXXX reasons : 1 ) we have not done business with XXXX and 2 ) the letter is addressed to " XXXX XXXX XXXX '', which is XXXX for " select or enter. '' A quick search on XXXX shows that this is a common ploy for Transworld Systems, formerly operating under XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my credit reports noticed a company named Action Revenue Recovery had placed an account in the amount of {$490.00} on my reports. I've disputed the information asking for validation of the account and I have not received a response from the company. I do not believe this information is correct and I ask that it be removed from my credit reports promptly.
Product: Debt collection

I have sent multiple letters asking for an explanation on this debt and why I am being charged. I want to see the proof of this debt and I have not been given any information to understand what this debt is.
Product: Credit reporting, credit repair services, or other personal consumer reports

these 7 derogatory marks needs to be removed immediately.I have contacted Equifax numerous of times to removes these collections that has NOT BEEN VALIDATED!! if this is not removed in 15 days i will be contacting my lawyer to pursue a law suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an alert back in XXXX for a negative account popping up on my credit report for XXXX and XXXX   From Mid West Recovery No idea of thos account I had recently went through a credit repair company which did nothing so i began buolding and repairing my credit Because of this account that this company placed without no notification or letter of debt validation has greatly lowered my scores They violated under FCRA because they did not send me tbe consumer a debt validation letter and having a 30 day response for me to respond just put this as a negative for {$250.00} Its for a pay day loan and on my XXXX  it has for a XXXX XXXX but info says medical and on my XXXX it says XXXX XXXX also never did i receieve a phone call Till this day the # on the report never get calls from unless they our using different # which these scammers do When reported to XXXX XXXX the next day they deleated so why cant XXXX  I also put in with XXXX Please i want this account removed and deleated I was so shocked to read on this site how many consumers have or had same problem Mid West Recovery still has not shown validation and the time line has passed
Product: Money transfer, virtual currency, or money service

XXXX issues me a refund check for closure of account in the amount of XXXX. I deposited this check into truist bank on XXXX and the check cleared for use on XXXX. Truist closed my bank account on XXXX stating the XXXX  refund check I deposited was suspected to be fraudulent and requested i send over statements showing the amount of the refund check posted in the XXXX  account on bank statements. I sent in all documents and truist was able to verify the check was valid and legit but is still refusing to release the funds. XXXX have been cooperating. Truist is refusing to release the funds to me and are requesting XXXX  to request the funds back directly to release the funds to me. XXXX is saying once they closed my account and sent all documents to show proof the check issued is not fraudulent it's nothing else for them to do. Truist is now requesting XXXX to send over a HOLD HARMLESS FORM for them to release the funds back to XXXX to be released back to me and XXXX is refusing to send the form over. My XXXX daughters and I are homeless now and I'm willing to take the next step on doing what I need to in order to get my funds back
Product: Debt collection

I received a text from one of my kids friends and said I was receiving phone calls from a collection company named XXXX with an urgent matter. He called back to let them know they had the wrong number and they gave him the XXXX XXXX and he told them they had the wrong number. The phone number was XXXX XXXX.