23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX has engaged in egregious and deliberate violations of federal and state laws in their debt collection practices, demonstrating a blatant disregard for consumer protections and servicemember rights. Despite multiple formal requests for validation, they provided a document that failed to clarify any substantive details, instead reinforcing their extreme intent to intimidate, coerce, and misrepresent the debt in question. This deliberate obfuscation of information, combined with their persistent and misleading collection tactics, constitutes a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p ; the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3901-4043 ; the Florida Consumer Collection Practices Act ( FCCPA ), Fla. Stat . 559.55-559.785 ; the Texas Debt Collection Act ( TDCA ), Tex. Fin. Code 392.001-392.404 ; the Kentucky Consumer Protection Act, KRS XXXX XXXX ; and the California Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), Cal. Civ. Code 1788 et seq. Their conduct has resulted in undue financial hardship, emotional distress, and reputational damage by unlawfully reporting disputed debts to credit bureaus, harassing with misleading legal threats, and withholding critical documentation necessary to dispute or validate the alleged obligation. Furthermore, their subsidiary, XXXX XXXX, inflicted severe damage to my vehicle while engaging in repossession-related activities, further compounding the financial and emotional burden of their unlawful practices. Their fearmongering tactics, lack of transparency, and repeated failures to adhere to both federal and state regulations are a clear indication of their willful noncompliance with consumer protection laws. 

To rectify these severe infractions, I demand immediate corrective action, including a full cease-and-desist order halting all collection activities, credit reporting, and legal threats related to this disputed debt. XXXX XXXX XXXX XXXX must provide, in a legally binding and notarized format, all requested documentation, including the original agreement, a complete payment history, and proof of assignment of the debt. Furthermore, they must issue an immediate retraction of all negative credit reporting associated with this matter and confirm its removal in writing. Additionally, I seek financial compensation for the distress, credit damage, and property loss incurred due to their subsidiarys actions, along with reimbursement for legal fees expended in disputing these unlawful practices. Lastly, I require a formal written apology from XXXX XXXX XXXX XXXX acknowledging their misconduct and a legally enforceable guarantee that they will reform their debt collection policies to comply with all applicable laws, preventing such unethical practices in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a thorough research of my credit reports and they did and stated that everything was accurate and then I did a thorough research myself and I found inaccuracies on my report even after they did their research. In accordance with the Fair Credit Reporting Act 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. 15U.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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Tx, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute of Inaccurate Auto Loan on XXXX Credit Report Dear CFPB Representative, I am filing a formal dispute regarding an inaccurate and erroneous auto loan appearing on my XXXX credit report. The account in question contains multiple inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), and I am requesting its immediate investigation and removal. Below are the details of the disputed account : Creditor Name : [ Lender Name, if available ] Account Number : [ Account Number, if available ] Date Opened : XX/XX/2022 Balance Reported : {$30000.00} Past Due Amount : {$30000.00} Status : Open, but listed as past due with no payments made Dispute Reasons : 1. Inaccurate Reporting of Payments : My credit report states that the first payment was never received. However, if this were the case, the lender should have never allowed the account to remain open. The fact that this account has been reported for multiple months without payments suggests possible fraudulent or improper reporting practices.

2. Balance Discrepancy and Past Due Inconsistency : The original balance is reported as {$20000.00}, yet the current balance is {$30000.00}, with a past-due amount of {$30000.00}. This suggests unlawful fees, inaccurate calculations, or improper loan servicing practices that violate federal reporting standards.

3. Failure to Validate the Debt : I have not received proper validation of this debt from the creditor, as required under the Fair Debt Collection Practices Act ( FDCPA ). If the lender can not provide verifiable proof of my contractual obligation, this account must be removed immediately.

4. Potential Violations of the FCRA : Under the FCRA ( 15 U.S.C. 1681 ), all information on my credit report must be accurate, complete, and verifiable. The inconsistencies on this account indicate non-compliance with this law. If XXXX and the lender can not substantiate these reported details with legitimate documentation, this account must be deleted from my credit report. 

Requested Action : I demand that the CFPB investigate this matter promptly and direct XXXX to remove this inaccurate auto loan from my credit report. Additionally, I request a written response with the findings of this investigation. 

Enclosed, I have attached a copy of my XXXX credit report highlighting the disputed account for reference. 

If this matter is not resolved within 30 days, I will escalate my complaint by pursuing legal remedies as allowed under the FCRA. 

I appreciate your immediate attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX ( Attach copies of your credit report, any correspondence with the creditor, and any supporting documents to strengthen your case. ) This letter asserts my rights under the FCRA and FDCPA
Product: Student loan

I have paid {$74000.00} in interest and my balance is still at XXXX i have been verbally denied financial assistance based on cosignor income and navient wont allow me to remove cosigner please help me last payment made on XX/XX/18 in the amount of XXXX ... {$28.00} was applied toward principal and {$580.00} was applied to interest
Product: Credit reporting, credit repair services, or other personal consumer reports

Box 1 : XXXX Fraud Department : Remove fraudulent accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a voluntary surrender of my vehicle back in XXXX of XXXX due to unforeseen circumstances I was not able to keep up with the payments. XXXX XXXX XXXX had sent me a Notice of Repossession and Notice of Plan to Sell Property letter. I have never received the Deficiency letter to let me know what the car had sold for or any other correspondences in this matter. I thought this was a closed deal until I pulled my credit report in XXXX and it was on there for {$12000.00} as a Closed/Charge-off account. I have been trying to get this information from XXXX XXXX XXXX via phone with the first call be around the XXXX or XXXX of XX/XX/XXXX. I have made multiple calls since then with them telling me that this information was in a queue and would be e-mailed/mailed to me by the next day, I have never received anything. I have also mailed a certified letter to XXXX requesting these documents by XX/XX/XXXX with no luck also. I did however receive a copy of my signed contract via email on XX/XX/XXXX. I followed up with a phone call asking when I can expect to receive the other documents that I have requested and she said that I would receive the Deficiency Letter in a few hours via e-mail and the payment history in XXXX hours and as of today I have not received them.
Product: Credit card or prepaid card

Phone conversation explaining this is a fraudulent account and cancelling it. Again, multiple phone conversations with TDRCS, XXXX XXXX, XXXX XXXX, XX/XX/, fraud acct opened and requesting fraud affidavit to be sent via e-mail and /or US postal service it was never received. XXXX XXXX Further conversations again after receiving letter attempting debt collection. Another fraud account opened. 
Fraud alert on my bank, XXXX, XXXX and security freeze with XXXX Have never received a bill, or credit card statement with purchase information and charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a pre-qualification auto from XXXX XXXX and went a dealership with it and with the preselected vehicle through XXXX XXXX 's website. Upon arriving at the dealership ( XXXX XXXX ), I talked to a salesman, test drove the vehicle and everything. I was not able to leave the dealership with the vehicle that day for some reason with the vehicle and my approval for the auto loan. But I was already approved to purchase through XXXX XXXX. The Manager of Financing wanted to speak with me. While talking with him, I feel as though he was pressuring me to fill out paperwork to look for better interest rates. I filled said paperwork and was called back a few days later, and was told that the said dealership wouldn't be able to offer anything better than I already had approved. Everything was processed and received my vehicle. Later, I started receiving mail from all of these creditors stating that I was denied credit. I've tried reaching to these creditors to get the information as to how and when I gave them permission to run a credit inquiry on my behalf. They all have mailed back saying that it was all verified with that dealership. It's really brought down my credit and I've been fighting this for quite some time now.
Product: Mortgage

Hello, I entered into a COVID-19 mortgage forbearance agreement with my XXXX XXXX XXXX  XXXX, Select Portfolio Service ( https : //www.spservicing.com/ ) and was told that they would likely add the missed payments to my existing principal. Now, they are requesting a balloon payment, which I am unable to make. 

I've been in my home for 16 years. I am a XXXX XXXX XXXX, so I know the game well, and understand all of the terms etc. that they are using. 

Is there something I can do to force them to add this outstanding balance, which represents the late payments, to the principal or can they do whatever they want to me? 

The outstanding amount is {$12000.00} and they are sending statements requesting this full amount due as a balloon payment. 

I've called them several times and it's like banging my head against a brick wall. I wish Congress had restricted all lenders ( not just government-backed loans ) from these balloon payments - people are going to lose their homes, and if it's anything like XXXX, the foreclosures will take the rest of the economy down. 

It seems antithetical to me that they would want to foreclose. I'm working very hard and have money in the pipeline, but I'm feeling overwhelmed by this as I try to get back on my feet with such an uncertain future with COVID still an issue. 

Please help!
Product: Debt collection

Equifax is reporting several collection against my social security number I requested full debt validation three times and Equifax have fail to provide any proof that debt was validated and verified.
The following account have not been validated 1.XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. Account XXXX with no name listed on my credit report for amount of XXXX 4. XXXX charge off account
Product: Debt collection

I recently have been working on my credit and when I got an alert from Midwest recovery for collections - I was shocked. Not only am I unable to verify any correspondence since 2012 - when they are saying the account was open but they have the incorrect address on file. I do n't understand how after 4 years this can pop up without any prior notice. I 've had the same address for over 3 years and has been updated on all my credit reports. If they were to properly provide a notice of attempt to collect a debt - they could have easily found my home address. In XXXX Carolina, by law a debt collector can not continue to attempt to collect a debt without good faith attempt to contact the individual. I have not been contacted at all. Please help in getting this off of my credit reports and have the company provide proper service proof of debt.
Product: Debt collection

In XXXX of XXXX i filed a dispute on XXXX  bank for being inaccurate and this item from XXXX Bank ( XXXX ) was removed from my credit report and now its back showing up, and I know for a fact that it's illegal to remove something from a credit report and put it back on. I feel like im being taken advantage of can you look into this for me please i demand that this account be removed from my credit report or i will file for litigation due to the stress they've caused me and the blatant disregard of consumer law Experian report # XXXX Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$750.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Experian Credit sent me an email stating that my dispute results were finished, and I could view them. When I opened the results there was not one word in the entire thing that stated whether my disputed was honored or rejected. It referred me to my credit file to determine for myself. 

Why can't a credit bureau just be plain and to the point and most of all receptive to the truth? At this point, all I know from what they sent out is that there is not collection account on my credit file. I will take that as a YES that they honored my dispute. However, they did not restore my credit score I had before the false collection was filed.

I had a credit score of XXXX before this started. I want it restored. If my credit score is not restored, then I have no recourse except litigation. 

Actually, I am weary of having to deal with this type of treatment from all three credit unions and have come to the realization that they will only treat folks like me fair is they are forced to do so.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

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

I have tried to correct issues with my Experian credit file for several months. My problem is that I can not unfreeze or freeze my Experian credit file. Attempting to create an Experian account to manage my freeze status results in an error and instructs me to contact their support number. Numerous calls to Experian 's support center result in case numbers, but their support agents can not resolve anything. My calls have been escalated to Experian 's dispute department, and nothing is ever resolved. 

From what I've gathered from the support agents I've interacted with, the issue with my Experian account is that security questions can not be generated because I had a fraud alert on my file because of problems with my address. I submitted documents ( social security card, utility bill, driver 's license, etc. ) several times proving my identity and current address. Yet, every time I call, the support agent tells me to submit documents proving my identity for my Experian file to be corrected. Nothing has been resolved to this date. 

I started this process with Experian back in XXXX of XXXX, but were are in XX/XX/XXXX and they have yet to resolve the issues with my Experian account. The issue with my account prevents me from requesting my credit report and changing the freeze status on my Experian account. The issue with my credit file is only with Experian. I DO NOT have issues with my XXXX  or XXXX credit file. The issue is only with Experian. 

I have many case, dispute and escalation numbers I can share with you. 

Please help me resolve this issue with my Experian credit file.
Product: Money transfer, virtual currency, or money service

Paypal closed my account one day, and its says we can not do business with you anymore. The paypal balance on your account will be on hold for 180 days, after 180 days, you will be able to eligible to withdraw your paypal balance. However, when I was checking my paypal account, I saw NONE balance. I was shocked to see a transaction that posted by paypal, the note says, $ XXXX, paypal posting on XXXX XXXX to paypal '' paypal took the money from me while I, as the account holder, dont have any idea about that! That is definitely not fair and is illegal, as they are taking money from its users. Since it says, I can withdraw the balance after 180days, why they took the money from me? I was trying to reach them for help, but they can not help me. I think I can file a report here because they didnt do the right thing for me. And I need to get the money back. The email linked to my paypal is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask the credit company to do a verification on my credit report. They did and stated it was accurate but I did a thorough research myself and found improper inaccuracys on the credit report even after the research.. 

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 account without my written instructions.
Product: Mortgage

I took out two loans with Wells Fargo ( Wachovia at the time ) and used my house as collateral. As time moved on, in or around XXXX, suffered financial hardships like many people here in the country were experiencing and filed for a loan modification with the bank. ( Wells Fargo ). I was verbally told that I qualified but needed to fill out the appropriate paperwork which I did. Meanwhile, the bank began aggressive pursuit of filing for foreclosure of the property. After sending in the documents I was told on multiple occasions that certain pages were missing which I highly disputed. Eventually they acknowledged receiving all of the paperwork and would give me a decision shortly. Meanwhile the foreclosure court date was getting closer. Approximately a month before the court date I received a letter stating I did not qualify for a modification because my GROSS income was XXXX cent, yes, XXXX XXXX which was vehemently false as my tax returns would verify. I filed an appeal to no help and was essentially forced to short sale the property which was heartbreaking to myself and my mother who co-signed on the loan. In XXXX I filed a complaint directly with the bank and they reiterated the same reason. Subsequent to seeing the the lawsuit brought on by your agency for the same issues I reached out to the bank on two occasions this year. ( XXXX ). On the first call and requested review after about 10 days the bank specialist told be they closed by complaint with no further actions to be taken because they couldn't find my account number. I followed up in XXXX of this year and provided an account number which they claimed will be used to do reasearch while opening up a new complaint. I was told they'll have a decision within 10 days but around the 8th day the rep called and said they'll need to XX/XX/XXXX. On XX/XX/XXXX I received an express envelope with all of my loan documents as well as a copy of the denial letter from XXXX which stated my GROSS income was XXXX cent. No additional research or review was done. It feels like I am being victimized and defrauded over again and Wells Fargo is refusing to accept accountabilty and properly compensate those whom they willfully and purposely defrauded. I would like to be compensated for the fair market value of the home ( approximately XXXX as well as for punitive damages )