23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a bill from NRA Group LLC on XX/XX/XXXX that states " this is an attempt to collect a debt, '' on behalf of XXXX XXXX, which is a pharmacy concern. No identifying information regarding the product purchased is included in the letter, which contains only a reference number, but fails in its duty to disclose the date of purchase, type of purchase, and date of prior statements. 

I never received an invoice for anything from XXXX XXXX. All I received was a threatening bill that amounts to extortion. When I called NRA Group, as their letter instucts, I was told they could give me no information but referred me to XXXX  XXXX  for additional information. 

NRA Group failed in its duty to disclose the basis for the debt. They threaten collections action without providing any pertinent information. While I am told in the letter I can dispute the bill, no information in the letter allows me to identify what it is I am disputing, and calls to them to do so resulted in staff refusing to provide information that would have allowed me to dispute, or even understand, the charge. 

The actions of NRA Group are arbitrary and capricious, and constitute illegal racketeering, insofar as no information was provided either initially or when requested that would allow a reasonable consumer to understand the nature of the financial charges alleged.
Product: Debt collection

I cancelled XXXX XXXX XXXX  before cancelling my service. The agent told to pay the current month and don't need to pay anything and I cancelled. XXXX XXXX XXXX send me more more bill saying I need to pay more. I called them the agent and told loyatly dept will remove the charges. Looks like they didn't remove it and charging me. Sunrise Credit Service added this on my credit report without writing any letters to dispute.

Credit Alert Derogatory Account Reported By Sunrise Credit Service Reported On XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant security, money transfer, and fund tracking issues with the platform. Despite using Zelle numerous times and reporting discrepancies of my money being continuously lost by the platform, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate 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, especially as someone who uses the app frequently.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report.

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report.

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX, Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future.

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I was in need to quick cash and came across One Main Financial which seemed like a good idea at the moment but they took advantage of my needs. My car is worth about {$4000.00} XXXX  and they gave me a loan of {$200000.00}. Interests alone are {$23000.00}. They are taking advantage of me. Currently they are harrasing me every day by calling me several times a day. I have fallen behind the payments due to their unfair practices.
Product: Debt collection

I am filing a formal complaint against Hunter Warfield for violating the Fair Debt Collection Practices Act ( FDCPA ) by excessively and unlawfully contacting me. 
Between XX/XX/XXXX and XX/XX/XXXX, they contacted me eight times : XX/XX/XXXX : Contacted twice. XX/XX/XXXX : Contacted once.XX/XX/XXXX : Contacted five times. Under the FDCPA, debt collectors can not contact consumers more than seven times within seven consecutive days, making this a clear violation of federal law. Furthermore, the excessive contacting has not stopped since this period, adding ongoing stress and inconvenience. This is not my first time submitting a complaint about Hunter Warfield, and I strongly urge the CFPB to thoroughly investigate their communication practices. I also request that this debt be removed from my credit report due to their repeated noncompliance with the law.
Product: Mortgage

I have fully paid up my mortgage dues and Select Portfolio Servicing OMBUDSMAN OR CUSTOMER SERVICE refusing to correct my account which is still showing as 1 month behind. I NEED AN AUDIT. Here is proof of all my payments made after Covid-19 : PAID {$1600.00} XX/XX/2022 PAID {$1200.00} XX/XX/2022 CONFIRMATION XXXX PAID {$330.00} & {$330.00} CONFIRMATION XXXX PAID {$1700.00} XX/XX/2022 CONFIRMATION XXXX PAID {$300.00} XX/XX/2022 CONFIRMATION XXXX PAID {$1600.00} XX/XX/2022 CONFIRMATION XXXX PROCESSED BY XXXX XXXX XXXX XXXX WHO TOLD ME THAT MY ACT. WAS FULLY CURRENT PAID {$300.00} XX/XX/2022 CONFIRMATION XXXX {$300.00} XX/XX/2022 CONFIRMATION XXXX {$300.00} XX/XX/2022 CONFIRMATION XXXX {$300.00} XX/XX/2022 CONFIRMATION XXXX {$300.00} XX/XX/2022 CONFIRMATION XXXX {$300.00} XX/XX/2022 CONFIRMATION XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unconfirmed accounts specified below continue to report on my credit file despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$950.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I submitted my 1st complaint with CFPB on XX/XX/year> regarding information being reported inaccurately as well as fraudulent accounts. There were additional fraudulent accounts reported such as XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, and still reporting that wasn't fixed initially XXXX XXXX  Account # XXXX 've reached out numerous amounts of times regarding these fraudulent accounts and sent in dispute letters along with my supporting identification documents. Please strike and remove these accounts from all XXXX credit bureaus until adequate validation has been received proving that those accounts belong to me, and all information is incorrect. These accounts as well as numerous Hard and Soft inquiries are affecting my hard work of still trying to purchase a home for me and my children.
Product: Money transfer, virtual currency, or money service

I have accounts at Coinbase, XXXX and XXXX. 
I have only transferred my bitcoin from Coinbase to XXXX and then to my XXXX  account so I could purchase other coins No other exchanges. 

I have never converted XXXX back to $ yet. 

On XX/XX/XXXX, as stated beow, my XXXX bitcoin never made it to my XXXX account. 
I have contacted XXXX and they have done nothing yet and its been almost 2 months. 
Please assist me. Thank you. 

The one below for XXXX XXXX never made it to XXXX. 

This is from XXXX HISTORY transfer XXXX XXXX - XX/XX/XXXX XXXX XXXX this one never made it XXXX Transfer ID : XXXX This is my XXXX account showing I received the XXXX Bitcoin, but not the XXXX XX/XX/XXXX BTC XXXX XX/XX/XXXX BTC XXXX XX/XX/XXXX BTC XXXX XX/XX/XXXX BTC XXXX
Product: Checking or savings account

I have been a Citi Bank customer for a few months now, but my account was recently closed without any prior notification. I have been trying to get an update on my account for days now, but no one has given me any information. Despite my repeated attempts to contact them, I have not received any response. Today, on XX/XX/2023, I talked to a representative who informed me that a case has been opened as per my request and I will receive a call back within XXXX days. However, when I first called on XX/XX/2023, I was told that I would receive a call within XXXX hours about the status of my account, but no one has reached out yet. My case number with the XXXX XXXX XXXX is XXXX and the XXXX XXXX XXXX email is XXXX I have requested several times to receive a check with my account balance via mail, but my requests have been denied. Additionally, I have been hung up on during my attempts to get in touch with someone regarding my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 i call XXXX and capital one to remove a inquire reporting on my credit report told both companys i did not make this inquiry someone has my info please remove..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Experian is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish this account : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 3 written request through certified mail requesting verification with my signature for the following accounts XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I have yet to receive anything with my signature and they also sent me with my dispute results at they will not investigate these accounts again. I sent these request starting from last year and my most recent request was XXXX of this year. These accounts are hurting my ability to be able to get back in the XXXX.
Product: Credit reporting or other personal consumer reports

I have recently conducted a thorough examination of my credit report and was deeply alarmed to discover that I have fallen victim to identity theft. It has come to my attention that there are multiple accounts listed on my credit report that I did not initiate or authorize. On XX/XX/XXXX, I promptly dispatched a formal letter to the credit bureaus in which I requested a comprehensive investigation into the accuracy of the information associated with the accounts I have enumerated below. Accounts : Account as it appears on my XXXX file : Monterey Collections SV XX/XX/XXXX for {$3800.00} Incorrect Address : I have also seen on my profile that your reporting incorrect addresses that doesnt belong to me please update my address as it appears on my drivers license. This is my only accurate address. All other addresses should be removed. 
Correct Address XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit report and noticed that XXXX account is still being reported. After noticing the account I contacted the credit reporting agencies to get this issue resolved. XXXX is the only agency who has deleted this account due its inaccurate reporting. This will be my second attempt with XXXX and Experian. 

Per the IRS, once the account has reached a charge off status, and the lender has filed it on their taxes as discharged debt, the debt is now considered canceled or forgiven. This is now taxable income and income can not be reported to a consumers report as debt. There is a 1099-C form issued and this now income being filed on my taxes. Reporting inaccurate information to my credit report is in violation of 15 USC 1681E ( B ). I
Product: Debt collection

I received a notification through XXXX XXXX that there was a change to my credit report. When I checked I saw a collection on my report. I looked up the company that filed ( MidWest Recovery Systems ) the collection on my report and since I had never heard of the original creditor, I called and asked them to email me the original creditors information. I told them I had never heard of XXXX XXXX before and this was not mine. They verified my email address said have a nice day and then hung up very fast. They didn't email me any of the information either. I need to get this off my credit report asap,
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX, a third-party collection agency attempting to collect on a {$2600.00} account ( XXXX XXXX account number XXXX ). I have identified numerous inaccuracies in the information they are reporting to the three major credit bureaus, including balances and details about services allegedly provided. 



XXXX XXXX, the original creditor, has gone out of business, and there are no records available from their company. Despite this, XXXX XXXX continues to report this account as valid without providing any verification of the debt. 



I have made multiple requests to XXXX XXXX to validate the debt and provide supporting documentation as required under the Fair Debt Collection Practices Act ( FDCPA ). To date, they have failed to respond to my requests. Their failure to verify the accuracy of the information while continuing to report it has negatively impacted my credit across all three bureaus ( XXXX, Experian, and XXXX ). 



My specific concerns are as follows : 1. Inaccurate Information : XXXX XXXX is reporting inconsistent and inaccurate details regarding the balance and services allegedly associated with this account. 

2. Failure to Provide Verification : I have repeatedly asked for verification of this account, but XXXX XXXX has not complied, which is a violation of federal law. 

3. Unverifiable Debt : Since XXXX XXXX has gone out of business and there are no records available, XXXX XXXX can not reasonably verify the debt as required. 



I request the CFPBs immediate intervention to : 1. Compel XXXX XXXXXXXX to validate the debt with accurate documentation or cease collection activity entirely. 

2. Remove this account from my credit reports if they can not provide proper verification.

3. Notify all three credit bureaus of the inaccuracies and ensure the erroneous information is deleted from my credit history. 



The continued reporting of unverified and inaccurate information is a clear violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). I respectfully ask for your assistance in ensuring my rights are protected and this matter is resolved promptly. 



Thank you for your attention to this issue. Please let me know if additional information or documentation is needed.
Product: Vehicle loan or lease

I am Writing this compliant for two reasonings as I entered a consumer credit transaction, on XX/XX/XXXX with Credit Acceptance I realized back in XX/XX/XXXX, I was violated in a few ways, I'm listing here, As I said a consumer credit transaction, ( 1 ) rushed ( robo signing ) ( 2 ) no rescission documents of any kind ( 3 ) no mention of my right to rescind the agreement ( 4 ) 90321, title I, 101, XX/XX/XXXX, XXXX Stat. 146, provided that : Section 401 of title IV of Pu Consumer Credit Transaction does not include any payments in cash value ( 5 ) As stated, I entered a consumer credit transaction for XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX from XXXX  XXXX XXXX XXXX of XXXX. At the time the company was doing business as XXXX XXXX XXXX XXXX XXXX. The vehicle purchase price was { {$15000.00} }, but the company added an optional gap contract { {$760.00} }, vehicle protection plan ( vpp ) { {$1300.00} }, Document preparation fee { {$96.00} } for state of MI, so the amount financed went up to { {$18000.00} }. The total cost was { {$34000.00} }, when I contacted the dealer to cancel the optional charges, they told me they can't do anything about it, and my only choice was to pay the loan on time for one year and then refinance it
Product: Credit reporting

I was a victim of identity theft. Several accounts were opened and managed without my authorization. Once I was able to find out, I filed a police report, an identity theft affidavit, and several disputes explaining the situation, pursuant section 605 of the FCRA. In addition to that, I also submitted the same documents to these creditors to support my claim. Experian has failed to comply with section 611 of the FCRA by not properly investigating this account. I was a victim of identity theft, and I should n't have to be responsible for something I did not do.
Product: Mortgage

I received notification on from an attorney on XXXX/XXXX/2016 that my home is in active foreclosure. I contacted PennyMac to work out a payment plan which I had done previously in XXXX but was denied. I was told over the phone that I qualified for the repayment plan, and would be contacted by a representative. I was contacted by XXXX who 's manager is XXXX XXXX on XXXX/XXXX/2016, to start the process of working out the repayment plan. I was also told that foreclosure fees had to be requested from the attorney before this could start. It is now two weeks later and still no foreclosure fees. I do n't feel it is fair that I have time ticking against me, and it is not my fault. The letter from the attorney says I have 30 days to respond this is taking from the 30 days. I feel the foreclosure should stop while you request this sort of stuff. In addition I asked if I should make a payment on XXXX/XXXX/2016, and was told yes go ahead and make a payment so you can reduce the total amount due in your mortgage. Then when I called on XXXX/XXXX/2016 to report I made a payment of {$2800.00} which is two whole months, she said it may not be applied to the account. Why would you tell me to pay and it not be applied. Is this company trying to make me loose my home? I need this foreclosure to stop and be given the amount to reinstate my mortgage ASAP.
Product: Credit card

The Capital One is billing for XXXX. I originally paid to XXXX recently it became Capital One. I no longer use the card. The account was paid in full as a payoff. Yet it is STILL on my credit report and it should rectified correctly.
Product: Credit reporting or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion requesting that my Personal information be corrected.
Product: Credit card

My payment is due on the XXXX. We had 2 hurricanes XXXX and XXXX that affected our coast in XXXX XXXX which affected my income. I'm a hairstylist. Also, our internet and phones were not in working order so I could not connect with American Express until the XXXX of XXXX. I had XXXX  XXXX on XXXX XXXX and have not been able to work since then and for another XXXX weeks. I explained my hardship to a representative on XXXX XXXX and was told by her that my payments would be deferred in XXXX and XXXX. She could do nothing about the 29.99 % interest. She said to call back after the deferred 2 months. I looked on my app and I was charged {$29.00} late fee and my payment was not deferred. I called and spoke to another representative in XXXX XXXX and she said just give it some time. She told me there was nothing they could do for me. So I paid {$50.00} which is all I can afford. And now they have a higher payment due on XXXX XXXX. I have been with this company since XXXX  and have always made my payments. All my other credit cards have helped out with payment plans or have deferred my payments so I can get back on my feet. Any help is appreciated. Thank you
Product: Student loan

My name is XXXX XXXX and I attended XXXX XXXX for undergrad for which I needed the loan. I have been trying to get my loan back current however I cant make the payments the lender is requiring. I have contacted them several time to see what other options they could offer me but they have stated that there is nothing else they are able to do and that I have to make the monthly payments.
Product: Mortgage

The attached documents will show criminal activity and I'm requesting prosecution on the entire bunch that tried to steal my home.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accurate. When reviewing my personal information I notice different addresses, Phone numbers, employer and name variations on my report. Please remove the following employers from my report. 

Employer Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following Addresses XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please Remove the following phone numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX