23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was called in regards to a bill that was for services provided greater then a year prior. I had been in contact with the provider because I had only begun receiving the notification from the provider 2 months prior, it was apparently a communication issue with my insurance and the provider. The caller was very rude and curt with me, I was trying to get information from her so I knew how to further pursue appropriate actions. She ultimately told me that she would note on my account " refusal to pay '' and then abruptly hung up on me without me being able to say anything else. I called back and left a message asking for additional information and no one called me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681b - Permissible purposes of consumer reports According to rhe aforementioned law, the information on one s credit report should accurate snd XXXX  XXXX XXXX account XXXX reporting a credit line of XXXX and a charged off amount of XXXX how is that humanly possible. That information is incurate ; you are clearly violating the law and dhould remove this sccount since that debt is no verifyable and it should be deleted inmediately It will be submitted to FCRA as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute with Experian to correct the address information. It is not # XXXX, It is XXXX XXXX on the same line as street name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my mortgage to XXXX  XXXX XXXX  XX/XX/2022. XX/XX/2022 I was notified that my credit score dropped more than 50 points by experian. Monday XX/XX/XXXX, I found out it was because of a missed mortgage payment ( that was made XX/XX/XXXX ). I immediately called XXXX  XXXX XXXX  to find out what was wrong. No one could tell me exactly what happened or how how much I owed for my mortgage. I called for three days to get in touch with the mortgage officer. As I patiently waited those three days I noticed in my account statements there was {$100.00} moved from another account into my mortgage account on XX/XX/XXXX ( I was still waiting for a return phone call ). XXXX XXXX finally called me back XX/XX/XXXX at the end of the business day. He explained that my payment was short by XXXX dollars because my mortgage went up and therefore he reported it to the credit agencies. I told him I didnt know it changed and no one contacted me from Washington XXXX XXXX  XXXX XXXX said he called me XX/XX/XXXX. I went through my phone records and I never received that phone call. He told me I could dispute it with the credit agencies. I then talked to the manager of the bank and she told me this should be resolved because I did in fact pay on time. I have been dealing with XXXX XXXX XXXX since the beginning of XXXX telling me that they would fix it. They did not and kept it on my credit record.
Product: Debt collection

I am writing to file a formal complaint against Cavalry SPV I , LLC a debt collector that has been engaged in troubling and unlawful practices in their attempts to collect an alleged debt in the sum of {$2100.00} from me. I have experienced multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), and I believe it is crucial to bring these issues to your attention. 

1. Lack of Validation : I have sent them several validation of debt letters requesting them to validate the debt but Cavalry SPV I , LLC has failed to provide me with proper validation of the debt as required by the FDCPA. Despite my numerous requests, they have not provided any documentation or evidence that validates the existence and legitimacy of the alleged debt. Instead, they have repeatedly sent account statements without supporting documentation. The balance of the debt is incorrect.

2. Absence of Original Documentation : I have specifically requested that Cavalry SPV I , LLC provide me with the original contract or agreement containing my signature, which is essential for me to assess the accuracy and validity of the debt. They have refused to furnish this documentation.

3. Threats of Legal Action : Cavalry SPV I , LLC has also made threats of legal action against me, including the threat of filing a lawsuit, without first providing the necessary validation of the debt or the required documentation.

These actions by Cavalry SPV I , LLC not only constitute violations of the FDCPA but also create undue stress and XXXX  for me as a consumer.
Product: Credit reporting or other personal consumer reports

XX/XX/year> 3rd attempt VALIDATION AND CEASE AND DESIST Collection agency name :XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX Ca XXXX Dear : XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX : {$3500.00} ; XXXX XXXX  XXXX Balance : {$6100.00} ; XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX XXXXXXXX XXXX Balance : {$2300.00} ; XXXX  XXXX XXXX XXXX : {$3800.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX {$3600.00} ; XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXX  XXXX XXXX XXXX XXXX XXXX {$7700.00} ; XXXX XXXX XXXX XXXX Balance : {$520.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened account using my information
Product: Checking or savings account

Charged fees but I are currently being disputed I was a checking account holder for many years. According to the article I read I am entitled to {$100.00} for the year inappropriate weed charges to Wells Fargo checking account holders.
Product: Checking or savings account

I was assessed 2 fees by my bank, the first on XXXX XXXX for {$170.00}, and the second on XX/XX/XXXX for {$35.00}. I feel these fees were unfairly applied to my account. Upon examining the Federal Reserve regulations with my Attorney, we came across regulation ( 230.4 ( b ) ( 4 ) ), which governs how a bank applies fees. and it states, " An institution must specify the categories of transactions for which an overdraft fee may be imposed. For example, it is sufficient to state that the fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. It also states " However, it is insufficient to state that a fee applies for overdraft items. upon looking at my account these two fees were labeled as followed : XX/XX/2018 FEE {$170.00} UNCATEGORIZED XX/XX/2018 FEE {$35.00} UNCATEGORIZED I feel that this is a violation of the above regulation. 
I tried to contact the bank when this happened and I was hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo reporting closed & paid account as 30 day delinquent.
Product: Debt collection

I received correspondence from The law office of D. Scott Carruthers stating i owe his client XXXX, XXXX ( XXXX ) $ XXXXoriginal creditor XXXX. I am writing you because the letter is inaccurate and threatening based on my credit report this debt is not assigned to XXXX ( see attached letter ) also D. SCOTT CARRUTHERS owns XXXX. This debt is too old to take legal action therefore making this demand illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

My police report number is XXXX. XXXX XXXX Police Department. 

I have errors on my credit reports that I have been trying to remove for years unsuccessfully and the credit bureaus have continued to list them as valid. These are fraudulent reporting errors and I wish them removed immediately. 

XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$3.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3800.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$2600.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$37.00}, XXXX written off. {$37.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$37000.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$34000.00} Highest balance {$0.00} Terms 74 Months On record until XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$7400.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$6000.00} Highest balance {$0.00} Terms 36 Months On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Transferred, closed. {$420.00} written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$300.00} Highest balance {$420.00} Terms NA
Product: Mortgage

XX/XX/2016. My second partial payment was electronically transferred to SLS on XX/XX/2016, two ( 2 ) days before the grace period expires. SLS not only charged me a late fee, it has now reported my payment as late to the credit reporting agencies, negatively impacting my credit. This appears to be a violation of Regulation Z, which requires that a periodic payment be credited upon receipt. This is not happening on a routine basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies have violated my rights in accordance with the Fair Credit Reporting Act. In accordance with the Fair Credit Reporting Act convergent accounts Americollect INC, Accounts Management, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX have violated my rights.

15 U.S.C 1681 Section 602 A : States i have a right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting

On XXXX/XXXX/2016 I contacted Equifax because the verification information they provide to IRS was incorrect. I needed to request my IRS tax transcripts and it asks me to verify my telephone number. I learned through the phone call and pulling my credit report that Equifax has/had no phone contact information listed for me. They also had no employment history even though I have worked for the last 17 years. I was able to provide an update for my employment history, but not my phone contact. Please note upon pulling my report during the call using the Equifax website, XXXX and XXXX have all of my current information. I was informed by several representatives that in order for phone/contact information to be added I had to contact my creditors and they would have to correct the information. I asked which creditors could up date this because it appeared that of my XXXX or so creditors, none of them reported anything about me in the last 17 years.The rep stated that all of them could. I asked for equifax 's contact number so that the creditors who could do this I could provide them with contact information ; I was informed that they have the information needed to correct this information.Additionally I was told that I would have to place a fraud alert in order to put a phone number on my credit account and fraud alerts only lasts 30 days. I called XXXX XXXX, XXXX credit, and XXXX XXXX. All XXXX informed me that they report the same information across all credit bureaus every 30 days which includes my employment history and contact information. Each creditor stated that do n't call the credit bureaus directly, that everything is done through the system. They each verified that my phone number, address and employment was up to date and was submitted to Equifax as late as XXXX/XXXX/2016 in one instance. XXXX XXXX made an exception and resubmitted to Equifax XXXX/XXXX/16. I called Equifax back with XXXX XXXX on the phone and was informed informed that there are no alternatives. I asked if there was someone there with technical expertise because it seems impossible that no one submitted any information to the credit bureau. I asked if maybe there was something that is not getting loaded properly, and I also asked for a supervisor at that point the representative hung up the phone. I also attempted to dispute names that I never used and was n't able to do that as well.
Product: Credit card

for the last 2 months I placed 2 orders. the first order was number # XXXX and order number XXXX. BOTH orders did not arrive. I reached out to the shipping team and their customer service. they told me they could offer me a replacement or a refund.I stated I would accept a refund in exchange because these gifts were going over sees to my brother who is currently XXXX in the XXXX XXXX in a XXXX XXXX. I never received the items and I never received the refund. Now I am at a loss of my money. I placed well over a dozen phone calls on different dates and times and wasted a lot of my time in trying to obtain a replacement package or a refund. I was told NUMEROUS times I was recieving the refund. 

on XX/XX/year> I went in person to the Macys store inside XXXX XXXX XXXX in Wisconsin and spoke with a manger. she was graciously calling them as well. we sat there in total an hour on the phone and they said they opened up a case and will help me receive the refund or the replacement. the next morning XXXX I am receiving a email saying they are not going to be doing either or. while at the mall on XXXX they showed us the door/picture of where the boxes were delivered and we explained to them that is not our door and I even showed the manager our door and my state issued ID. 

at this point this has caused me enough stress and I will not be tolerating this. I need my refund or I am going to take the next step in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Republic Finance posted the payoff of this account, which was a check from my credit union, the day after the payment was received. Ultimately, this resulted in a 30 day late payment, which was the only payment ever reflected as 30 days or greater on this account. This is a blemish on my credit report, and it limits the availability of credit to me or the interest rate of credit available to me. In an attempt to resolve this, I called Republic a few months ago, and they stood firm.
Product: Payday loan, title loan, or personal loan

I had a loan with this company in XXXX of XXXX ( Loan # XXXX XXXX. I paid it off, in full, on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, they continued to take an additional payment out of my account. I immediately contacted them and requested a refund. I was told it would arrive within 10 business days. That did not occur. I then contacted them  starting XXXX/XXXX/XXXX to again request my refund. I have called every day since then and have been given the run-around. They have acknowledged, multiple times, that I 'm entitled to the refund. I 'm told different dates to expect the refund, always pushed back further each time I call. I 'm consistently told it is being handled by the resolution department, and they claim they have no way to contact that department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX XXXX  Account XXXX XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status. 

I have attached supporting documents that verify the inaccuracies mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law. 

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above. 

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

In accordance with the Fair Credit Reporting Act XXXX  Account 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 an or my account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported several accounts that I found on my credit reports from all three credit bureaus that are Fraudulent. These accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have, by request mailed a Police Report, a Federal Trade Commission Affidavit report, a copy of my Drivers License, Military ID and my Social Security Card with my name showing XXXX XXXX XXXX. Also a notarized sworn affidavit as well. All of these documents I sent they the regular mail as well as thru the internet several different times to make sure that Transunion received them. They keep sending me a computerized response saying I need to send the documents I just explained that I have sent several times in order for them to do a block of my credit profile as what they are calling the process of removing the disputed accounts from my credit profile. This is my life here and Im not happy about how Transunion is siding with these companies to try and make me pay the balances for each of these accounts that I did not open. THESE ACCOUNTS ARE FRAUDULENT THAT I HAVE LISTED TIME AND TIME AGAIN. I DID NOT OPEN ANY OF THESE ACCOUNTS NOR DID I BENEFIT FROM THESE FRAUDULENT ACCOUNTS IN ANY WAY. THIS HAS DESTROYED MY CREDIT WORTHINESS AND SCORE AND IT ISNT RIGHT AT ALL. I HAVE SENT THE PROPER DOCUMENTS THAT WAS REQUESTED BY TRANSUNION SEVERAL DIFFERENT TIMES AND BY NOW MY ACCOUNT SHOULD BE FIXED BUT IT STILL ISNT TO THIS DATE!! TRANSUNION PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE AND STOP CONFUSING MY NAME, XXXX XXXX XXXX, WITH THIS OTHER NAME XXXX XXXX. I HAVE SENT DOCUMENTS THAT PROVE MY NAME IS XXXX XXXX NOT XXXX AT ALL. I CANT EVEN LOG IN TO THE TRANSUNION SITE BECAUSE THE SITE HAS ME MIXED UP WITH THIS XXXX CHARACTER.
Product: Vehicle loan or lease

I have been appointed as the Administrator of my deceased XXXX XXXX  Estate. XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, GA XXXX. The financial institution has shared my XXXX personal information with several 3rd parties without my consent or acknowledgement. 

I have received uninvited calls from strangers regarding my mother but the parties only hang up when I request information. 

This financial knows who I am, I actually bank with them so they have my contact information but instead have hired 3rd party debt collectors and have shared my deceased XXXX private information in an attempt to execute a repossession of her vehicle. 

This is a violation of mine and my decease XXXX rights to privacy, violation of the Fair Debt Collection Act, Security, Insurance and Tax fraud.