23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt collector employed prohibited practices under the FDCPA, including abuse, deception, and unfairness. They provided information on an account without agreement or signed contract from my side, violating the basic requirement of a legal contract involving two parties ' consent. Additionally, they failed to adhere to the proper five-step validation procedure, constituting unfair practices. According to the FDCPA, each violation entitles me to {$1000.00}, indicating clear infringement of my rights.

Please be advised that the debt collector are attempting to collect on an expired debt. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations.

Accordingly, I am requesting that debt collector do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense. 

Additionally any attempts to harm my credit rating by updating or changing dates after you have been informed that the debt is expired, are a direct violation of the FDCPA.
Product: Debt collection

I am a veteran of the XXXX. As a benefit to me for my service, I receive free healthcare. The VA was my insurance for my prenatal care and labor and delivery. My son was born XX/XX/XXXX and the doctor that I chose for him made the initial doctors visit while we were still in the hospital. I received the bill from the doctor some time later and gave the doctor office the VA 's information so that they could process the claim. What I was unaware of was that the VA needed my son 's SSN in order to process the payment. I had no idea that the doctor 's bill was still deliquent until XX/XX/XXXX, 16 months after my son was born, until I received a letter from the collection company. I made contact with the collection agency more than twice and told them that I contacted the VA and gave them all the information they needed so that they could process the claim. I also told the VA that the debt was in collections and I was told that they " always do that, '' meaning the collection agency will continuously go after the patient until they receive payment, even though the patient has insurance. I got tired of letters and phone calls from the collection agency so I contacted the XXXX and made them aware. The final result was the collection agency not contacting me anymore. This issue has knocked off XXXX points from my credit score and the note says, " individual responsible. '' I am not responsible. The VA is responsible and the doctor will not get paid until the VA finishes processing the claim, however long it will take. I would like this issue to be removed from my credit report.
Product: Debt collection

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an inaccurate collection account that has negatively impacted my ability to start a real estate business. I am seeking full compensation for the potential money lost, as provided under U.S. Code 1692k and 1640. 
As per the Fair Debt Collection Practices Act ( FDCPA ), codified under U.S. Code 1692 et seq., I have identified several inaccuracies in the collection account reported by LVNV FUNDING. The inaccuracies include incorrect dates, amounts, and other details that are not reflective of my actual financial history. These inaccuracies have had severe repercussions on my credit score and have prevented me from obtaining financing and pursuing my entrepreneurial aspirations. 
Furthermore, the Fair Credit Reporting Act ( FCRA ), codified under U.S. Code 1681 et seq., requires that information reported by credit agencies, including collection accounts, be accurate and verifiable. The inaccurate collection account has violated my rights under FCRA, causing significant harm to my creditworthiness and financial prospects.
Product: Credit card

I was pursuing a dispute with a merchant through Chase Visa 's dispute department. I had already closed the account which was charged. I initiated the dispute in XX/XX/XXXX, and in XX/XX/XXXX received a check from Chase for the disputed amount. I considered the matter resolved. 
Yesterday ( it 's now XX/XX/XXXX ), I received a notice that my credit rating had dropped XXXX points due to this account being delinquent. Apparently, the merchant declined to cooperate in the dispute ; Chase charged back my closed account ; now I 'm in arrears for not paying bills of which I was not aware. 
I have not received a bill or a phone call from Chase. This credit card does not exist in my online Chase account. If it were n't for the credit-monitoring service, I would n't even know about this " unpaid bill ''. 
I spoke with a supervisor in the dispute department who said I could reopen the dispute. He could n't help me with clearing up the hit to my credit rating or remove the interest charges.
Product: Credit reporting

XX/XX/XXXX Chapter XXXX Bankruptcy petition # XXXX was filed in Hawaii and included creditor XXXX XXXX for an unknown amount ( guessed {$540.00} XXXX. 
XX/XX/XXXX Chapter XXXX Bankruptcy discharged # XXXX including XXXX XXXX debt. 
XX/XX/XXXX - XXXX XXXX has continued to forward discharged debt to collection agencies. XXXX has removed the XXXX XXXX XXXX XXXX but Experian refuses to do so.
Product: Debt collection

Called several times a day. Some of the charges in the overdue account are due to cramming and therefore they can not assert that I do not owe these charges
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed my XXXX XXXX contract, and received the XXXX XXXX XXXX XXXX contract to enlist into the XXXX to ship out XX/XX/2020. This mean, that under SCRA federal Act, I am entitled to the right of canceling any loans, without penalty while entering in the XXXX XXXX service. I provided the necessary documentation, to the loan company prior to, and called the company over the phone. I was told by the representative of the company, that they were not honoring SCRA, that I was still required to proceed with an ongoing payment while going off to bootcamp for the military. There is XXXX XXXX  as well as XXXX XXXX  that I am requesting be removed from my credit report due to these legal reasons.
Product: Checking or savings account

Chime or XXXX  XXXX  is where I had three accounts with and they close all three of them without returning any of my funds and said I can I have a refund or have access to my money. They said it was due to fraudulent deposits that I did not make it was my mortgage company and they already took care of it. Both parties spoke already yet chain still closed all three of my accounts and will not issue a refund of my money
Product: Checking or savings account

on XX/XX/2021 at XXXXpm eastern time, I received multiple emails to one of my accounts, XXXX, from wells fargo telling me my account had been successfully created. Basically a welcome package. I immediately called their fraud department and opened a claim, however their weak anti fraud practices made it impossible to take any actual action against the account since it was " after hours ''. 

One major factor in allowing this to happen was a lack of basic security protocols. They let someone use my email address to open an account without ANY email verification at all. You can't download free software without confirming your email address, yet Wells Fargo just accepts any email with no questions asked. The fraudster had no access to that account, the logs show nobody other than myself had accessed that account. There was no " confirm your email address '' email ahead of the several welcome emails, and within 7 minutes the address was changed to a gmail address. Again this raised no red flags internally, Wells Fargo ignored yet another crucial action that had fraud written all over it. 

Only today did I get a call from somebody in the executive office, telling my case should be closed out by the XXXX of XXXX, and that the 2 accounts in my name had been frozen. I told the person who called, that this could have been avoided with a basic security 101 action of confirming the email address used to create the account, that comment was met with silence, then she just started to read from a script again, seeming unaware of what address was actually used to set up the account. This is a huge security hole and pretty much turns wells fargo into a massive identity fraud factory.
Product: Payday loan, title loan, or personal loan

I never received a title from Hyundai when I paid off the car back on XX/XX/2019, so I decided to request a replacement title from the DMV. Hyundai was still listed as a lien holder for some reason and I asked Hyundai to send me a lien release for the vehicle I paid off back in XXXX. They said they'd send it to me, but I never received it. I requested it again, and the system shows that they've reviewed my request and sent the lien release to me by mail, but it's been months and I still don't have it. DMV records show that Hyundai still appears to have a lien hold on my car. 

First, Hyundai Motors was negligent in sending me the title they ought to have sent me when I paid off the car back in 2019, and second, they never sent the lien release they said they had sent me. Turns out I'm not the only one experiencing this from this company, as a quick search on the internet shows that there are numerous people who have the same issue with Hyundai as me ; not receiving the title or the lien release. 

I have a car that I own but can not operate because I need to renew the registration for the car, which I can not do because I need to do a smog check on the car, which I can not do because the car is registered in California but my car is currently in Pennsylvania. In order to do a proper smog check, I need to re-register my car in that state, which I can not do without the title that Hyundai never sent. I'll need the lien release from Hyundai to request a replacement title to register my car in the new state. I have no method of transportation at this point, and it's been this way for months and Hyundai simply does not care. This is outrageous.
Product: Credit reporting or other personal consumer reports

I write to you with deep concern and dissatisfaction regarding the unauthorized inclusion of information in my consumer report, a clear violation of 15 UXXXX XXXX XXXX. This letter serves as an official dispute, urging your agency to conduct an immediate and thorough investigation into this serious breach of my rights. 
Account Name : XXXX XXXX  Account # : XXXX I am writing to dispute the accuracy of information contained in my consumer credit report. Upon recent review, I have identified discrepancies that violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which requires consumer reporting agencies to ensure maximum possible accuracy of the information in a consumer 's file. Specifically, Experian is reporting 30-day late payments for XX/XX/year>, while XXXX is reporting 30-day late payments for XX/XX/year>. These inconsistencies suggest inaccuracies in the reporting of my payment history. I request an immediate investigation into these discrepancies and demand that any incorrect information be corrected PAID ON TIME in accordance with my rights under the FCRA. Please provide the results of your investigation, along with an updated copy of my credit report, upon completion. 
Furthermore, the entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA. As such, I request an immediate, comprehensive, and impartial investigation into these entries. I expect a detailed response outlining the findings of this investigation, including the original written instructions from me ( Consumer ) with my wet signature.

Moreover, I am not aware of any legitimate purpose for reporting these late payments, and I affirm that I did not authorize the reporting of such information to your agency by [ Experian ]. Therefore, in accordance with Section 604 ( a ) ( 3 ) of the FCRA, I demand a thorough investigation into these disputed late payments, along with written confirmation of the investigation 's completion and details of any actions taken to rectify this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the unknown inquiry reporting on my Credit Report : XXXX XXXXXXXX XXXX-Date of Inquiry XX/XX/20XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information on Credit Report I am writing to dispute certain information in my credit file that I have determined is inaccurate. The items I am disputing are also circled on the attached copy of the credit report I received. 

This letter is a formal complaint that you are reporting inaccurate and/or incomplete credit information on my credit file. I am very distressed that you have included the below information in my credit profile that includes the following error ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF ED/XXXX  US DEPT . OF EDUCATIO According to the Fair Credit Reporting Act, you are required to investigate and remove inaccurate or unverifiable information from my credit report if it is found to be inaccurate or can no longer be verified. 

Please investigate these matters and correct the disputed items as soon as possible. I request that you send me a corrected version of my credit report upon resolution of these issues. 

Please let me know if you need any further information or documentation to assist in the resolution of this dispute. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

I previously filed a complaint because the debt collector was attempting to collect a debt for an item that was disputed and resolved in my favor with my credit card company. The dispute was for services not rendered from XXXX in accordance with the service agreement. The debt collector responded to the complaint on XXXX/XXXX/2016 and stated that the account was closed in their system and that they intended to have no further communication with me regarding the matter. This has not been the case. I received a letter dated XXXX/XXXX/16 attempting to collect a debt referenced in the previous complaint. The letter also stated that they may recommend that the debt be transferred to a team of telephone collectors if not paid.
Product: Debt collection

Dear CFPB, Could you please help me to negotiate the amount of this collection with the creditor? I called them but they were not willing to negotiate with me. I would like to pay them as soon as possible. 

Thanks!
Product: Mortgage

refer to a letter sent on XX/XX/XXXX. By this means to date only one letter was received that the analysis they made corresponded. Please send all the documents you used to send payments to the crim with the receipts that the property had debt. As you view the payment on the internet increases in XXXX. I tell you that they can not continue sending payments to the crim because according to their analysis and my payments I have a credit in the crim of a full contributory year. 
I need to send everything done to my crim account. Evidence of payment made to crim in XX/XX/XXXX and XX/XX/XXXX and all the complete evidences of the reason for which they sent payments to crim. Please verify my " escrow '' account carefully again and I will wait for answers no later than the 45 days by law that you have. That high payment would greatly affect my family 's financial situation. 
Claim for my " escrow '' account since according to your system there is an unpaid payment for the Crim. Attached evidence of payment for the semester of XX/XX/XXXX-XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was pulled XXXX/XXXX/XXXX because I am in the process of buying a home and I noticed the spelling of my first name was incorrect for TransUnion. 

Thank You.
Product: Debt collection

So I had a debt with XXXX. XXXX then it was sold ( illegally u can't sell a debt and then come after me for it it was charge off and still being reported as income my. Income every XXXX year with as you know is a violation credit consumer reports should not have, show income boom that's XXXX number two the debt sold to XXXX  is a violation no where before XXXX  had they wrote me or gave my knowledge about them having the debt this is so wrong of this country to allow this they discussed personal info of me without my permission then now resurgent has this debt all of them seemed to pass my info around and not get permissible permission frome I never gave this XXXX year old dent any permission for XXXX to report or discuss any personal info of. Mine then now resurgent has all. My info and that had to be given and pasted around this is a huge XXXX XXXX issue
Product: Debt collection

Collections Accou nts Skim disc over after conducting an investigation in conclusion this account is a result of identity theft 1. This account is from the same original creditor as a medical billing note : account is been reported with  XXXX  collector as appear that both collector own same debt Syndicated office systems and Central Financial Control claiming total control of the accoun t 2. An other thing to note as is a violation HIPAA regulations in the United States prevent any medical documentation to be shared.      3. Whe n I requested to credit bureau to conduct an investigation with requiring to summit documentation as part of verification medical debt collection agency responded as verified making their respond to be not valid proof as well the credit reporting agency did not follow proper investigation as they did not remove this account from my file is a violation on the credit reporting agency in this case was conducted by  XXXX  4. So they could not provide the needed information to get the debt validate if they have the right to collect this medical bill they would have to have writing consent from the person  HIPAA regulations as is required by law under the HIPAA 5. Proof of sign a HIPAA fo rm when we go to the doctor or a hospital for services render to give them the right to view any medical record, and not having so, they could not have any detail information therefore making this another violation Because of what was explain above I demand for this to be delete immediately from my credit file from all  XXXX  credit reporting agencies and provide to me in writing that this request was complete Also if there is any documentation that they have that could help to the investigation have documents send to me by mail to the mailing address they have on records of me so that I can present them to the investigation team It is clear that this alleged account and the services provided my personal identification was used as a result of identity theft
Product: Debt collection

I have legal rights under the 15 U.S. Code 1681. Inaccurate information was collected and placed on my credit reporting and its stopping me from gaining employment. I never received a call or letter from the company informing me that I owe and offering payment options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a job with  XXXX  on  XXXX / XXXX / 17   to drive my  own vehicle.  XXXX  submitted my social security number along with a car loan application to a leasing company named  XXXX   XXXX   XXXX  that they are affiliated with on  XXXX / XXXX /   2017  without my consent. This company pulled a copy of my credit file and they are refusing to remove this inquiry with Transunion credit reporting agency. I have called  XXXX   XXXX  the representative told me to call Transunion and she was rude and did not offer me any assistance. I called Transunion and they will not remove the inquiry and they told me that I need to contact the company that pulled my credit file. I spoke with   XXXX   and they stated that  XXXX   XXXX  can pull my credit if  XXXX  allows it. I have attached that correspondence as proof.
Product: Checking or savings account

On XX/XX/2020, I had {$4500.00} fraudulently withdrawn via ACH from my primary bank account at Simple. I subsequently found out three accounts ( two at XXXX and one at XXXX XXXX ) had been opened in my name, and took steps immediately to report fraud on those accounts and have them frozen. 

I discovered this on XX/XX/XXXX, and had to wait to report it until the XXXX as the bank was closed for the XXXX XXXX holiday. I filed a report with Simple and signed an affidavit stating the {$4500.00} ACH withdrawal was fraudulent and that I did not authorize it. The bank stated they would submit an ACH dispute on my behalf. 

Since that time, I have been provided no updates on the status of the dispute despite me requesting such, the only timeline I have been provided is XX/XX/XXXX. The bank has told me they will not authorize a provisional credit or a credit for the amount stolen. 

I am on Day 9 of this issue with no end in sight and correspondence from Simple not being satisfactory. I have requested that Simple provide me copies of their correspondence with ACH regarding the dispute, including but not limited to time and date stamps to clue me in as to what exactly they are doing to help me, a loyal customer.

As of right now I have had to take one day off of work in the middle of a busy season to deal with this issue. I have taken steps to freeze my credit, put a security alert with XXXX and move my remaining money to a different bank. 

Please help me recover my {$4500.00} from Simple. Their customer service has not been satisfactory and they have offered no protection or recourse from this fraud incident that has drained my account of a significant amount of money that I have earned.
Product: Debt collection

I was aware that the was a collection agency saying I owe them over {$700.00} for something called XXXX XXXX XXXX XXXXXXXX but I have no knowledge of the account r ever remembering even opening this acou account I have no idea what this is from and trying to get answers is almost as hard as Finding out who open this account and when.
Product: Credit reporting or other personal consumer reports

Hello, I have had unauthorized and/or incorrect information added to my credit reports. Please remove the inaccurate information immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Experian- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I discovered inaccuracies on my credit report related to an account with XXXX  ( Account # XXXX ). These errors include misreported late payments and failure to provide accurate documentation to substantiate the claims. Despite my request for verifiable proof that I made late payments, the creditor only provided a transaction sheet, which does not meet the legal requirements under TILA 15 U.S. Code 1666 ( b ).