23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Representative claimed that they had sent numerous letters, which I had never received. When I told him I wanted debt validation and verification before I spoke with him about anything, he began to use a child version of my name in a very sarcastic and derogatory manner. Then he said if I refused to enter an agreement NOW, he would send letters to my employer about the debt! Now I 'm fully aware this is illegal and I 'm sure he is as well. I started to ask his name but he hung up the phone. I called back at the number but spoke with a woman who apologized for him, which is simply not good enough. I told her I wanted debt validation and verification and if she would give me an address, I would send her a letter asking for exactly what I needed. She never gave me the address and said they would not call again. Later in the day, there was a letter from their collection agency but there was no debt validation, no proof of their legal obligation to collect, no proof of them being legally licensed in the state of Missouri to collect any debts. There was a name of the supposed original creditor but no date and no reason for the debt so I have no idea if it 's mine or if it 's valid.
Product: Credit reporting or other personal consumer reports

Two accounts shows as closed and charged off yet XXXX XXXX XXXX Equifax still has this listed on my credit from XXXX and XXXX XXXX XXXX. Publication 4681 explains the federal tax treatment of : Canceled debts. 
Foreclosures. 
Repossessions. 
Abandonments. 

If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. Income is not authorized to be placed on any person credit.

Also I have an unknown creditor reported on my credit report as well from XXXX XXXX XXXX. This creditor has violated my rights under 15USC 1681 Section 6o2 states I have the rights to privacy.15USC 1681 it also states a consumer report agency can't furnish an account without my written instruction. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( JPMCB XXXX XXXX XXXXXXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Product: Consumer Loan

I leased a vehicle in XXXX XXXX ( Hyundai Sonata ) and traded it in for a different brand car lease ( Mercedes Benz ) in XXXX XXXX. We received the payoff amount of XXXX XXXX and change, which new car dealer confirmed and paid it off. In XXXX XXXX I received a call from the new dealer that the Hyundai is asking for more money to release the title of the vehicle. I provided the new dealer with several monthly statements that I had stating XXXX balance. A few weeks after providing the new dealer with the statements, I received a default notice that asked me for the payment of XXXX XXXX and change. I have made several attempts to call Hyundai 's default department and no one seems to know what is going on until I spoke to someone high ranking on XXXX/XXXX/XXXX at XXXX hrs who made no sense and stated that payoff amount that we quote is not an actual payoff. 
I have never had such a bad experience with a car company before. " Payoff '' to laymen folks mean " payoff '' and I believe that these people are delaying the process just to send the file to collections. 
Dear Sir/Madam, I really need your help in resolving this matter and can not really afford to be ripped off as a consumer and a law abiding citizen. Please help me deal with this unfair and greedy corporation.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL 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. 

Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX & XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX 2022
Product: Credit card

I'm writing with a complaint about what I believe to be a predatory practice. As seen in the screenshot included, Chase is pressuring customers into setting up payment plans. There's no " x '' in the top right corner to remove the pop up. The first few times I saw this, despite never wanting to set up a payment plan, I thought you had to click " get started '' to get out of it. Instead, the button to skip for now is hidden underneath, and customers have to know to scroll down to find that option. This notification is predatory and attempts to force the customer 's hand, and has popped up repeatedly for me.
Product: Checking or savings account

I received a Money Lion debit card in the mail yesterday ( XX/XX/2021 ) that I did not order, request nor open in person/online. The debit card had an activation tel. number affixed to the new debit card. I went to their website and called XXXX which is their complaint debit card tel. number that is advertised. I spoke to a " XXXX '' who asked me for my last 4 digits of SSN or DOB. I reluctantly gave him my last 4 digits of my SSN and told him repeatedly that I did not open the account tied to the debit card received nor any other accounts with Money Lion. I also did not ever activate nor give anybody at Money Lion permission to activate it during the course of my telephone call. 

I suspected this was opened by the same perpetrators who filed for a fraudulent RI Unemployment Benefits under my name on XX/XX/2021 ( I already filed a RI State Police report on this incident ). XXXX @ XXXX XXXX said he would close the account, but did not give me any details of what was opened using my name/address/identification or how many financial services were opened at Money Lion. XXXX also instructed me to cut up the card. I gave him my email address to send me confirmation of the account closure, which I did receive after the call was concluded. 

Prior to contacting Money Lion on the phone, as indicated above, I filed a local police report on the matter of the debit card received ( i.e. financial identity theft ). The police officer said he would log my report, but would not have it completed in writing for another couple of days - he recommended I contact Money Lion regardless, which I did.
Product: Debt collection

According to the fair credit reporting act ( FCRA ) section 605B. It is illegal to report information on my credit report without my permission. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting or other personal consumer reports

The credit report shows the following : XXXX have received reported payments up to XX/XX/2024. 
Transunion have received reported payments up to XX/XX/2024. 
XXXX have received reported payments up to XX/XX/2024. 
My mortgage payments is not accurately being reported to the credit reporting agencies each month on time.
Product: Credit reporting or other personal consumer reports

I'm filing a complaint against Experian for failing to properly investigate the disputes in my credit report. Despite my submissions Experian consistently responds in 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Experian 's actions may also contravene the consumers financial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No.2025-CFPB-0002 take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. My disputed accounts are as followed : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I have a private student loan with Discover Bank with a variable interest rate. While XXXX interest rates have risen over the past year, so has the interest rate on the loan. In my Promissory note, Discover Bank stated they would be using the quarterly XXXX rate for any changes. However, within XXXX days, Discover Bank has changed my interest rate twice. The first, a slight reduction. The second, a full 1.5 % rate increase. The XXXX rate from last month has gone up .5 %. Discover will not disclose why I received two interest rate changes, they will not disclose why the increase was so much larger than the XXXX increase, and they are not following the terms of agreement laid out in the Promissory Note. This represents the largest single increase I have ever received for this loan, and amounts to a 15 % increase in my payment with absolutely zero explanation other than them notifying me of a change. I have zero missed or late payments on this loan and I have on several occasions paid more than the minimum where financially possibly. I believe Discover is abusing its authority to change the interest rate on my variable loan, as is evidenced by their lack of disclosure, multiple rate changes within a span of two weeks, and an increase far beyond the XXXX increase which they are supposed to follow.
Product: Debt collection

XXXX collections are from the medical field.I have contacted my insurance company to find none of these claims were filed correctly I have XXXX ( national association of letter carriers ) and my wife has medicare all these were for her treatment not mine. Her primary insurance is medicare XXXX XXXX. These companies representing collections is incorrect information Medical companies do not know how to bill. the largest amount is XXXX which was an ambulance ride for my wife medicare pays full amount we owe all XXXX collections are inaccurate filed incorrectly
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$22000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$15000.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX  XXXX Balance : {$25000.00} ; XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXXXXXX Balance : {$9300.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX Balance : {$8700.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$15000.00} ; XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$22000.00}.
Product: Debt collection

My consumer rights under FDCPA are in violation in accordance with 15 U.S.C. 1692g, '' debt collector send a validation notice informing of debt details and giving them a chance to dispute within 30 days. '' FDCPA 1006.6 ( d ) ( 4 ) ( ii ) ( C ) ( 2 ) has been violated, as consent for email correspondence was not authorized by consumer and transfer of email notice was not provided to me in written or digital correspondence.

FDCPA violations include 1006.14 ( a ) Harassing digital communication and 1006.14 ( b ) " natural consequence of the debt collectors email messages is to harass, oppress or abuse the person receiving the email.When such natural consequence occurs the debt collector has violated 1006.14 ( b ) The above protected consumer rights have been infringed upon and violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ActXXXX XXXX  account numbers have violated my rights : - XXXX, XX/XX/XXXX, {$540.00} XXXX, XX/XX/XXXX, {$660.00} XXXX, XX/XX/XXXX, {$11000.00} XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, {$140.00} XXXX, XX/XX/XXXX, {$1000.00} XXXX, XX/XX/XXXX, {$780.00} Per 15 U.S.C 1681 section 602 A. states that I have the right to privacy. Also per 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without written instructions.
Product: Debt collection

I was paid my owe {$820.00} but they are still billing another {$1300.00} this is imposible i have no money to pay for this amounts.
Product: Money transfer, virtual currency, or money service

I set up an account with Gemini over a month ago. Around XX/XX/XXXX. I have been waiting to get verified with them for over a month now and until i get verified I cant withdraw my money thats on my account with them. Ive emailed them numerous times and i get no response. My money is locked onto there platform until Im verified and they have given me 0 responses. Feels like Im getting ripped off.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX UNAUTHORIZED COLLECTION XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 


I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a call today on my cell phone while I was working from a " XXXX XXXX '' from XXXX XXXX in regards to two fraudulent claims attached to my name and SSN and that I have a breach of contract with the intent to harm a financial institution as well as a series of returned checks and that I would have to appear in court on them once it was filed. The debt is for a series of payday loans from Check'n Go through an online loan. I have received no written requests for payment on this debt. This would result in a civil judgement and wage garnishment. He proceeded to leave me a case number ( XXXX ) and a contact number for the " plaintiff ''. When I called the number that was left ( XXXX ), I was directed back to this XXXX XXXX. They tried to confirm my information, and did have my name, the last 4 digits of my SSN and my address, but none of the other information matched mine. I advised the agent that none of this information matched up with me and this wasn't my debt, and the agent said " good luck in your dispute '' and hung up. I was already shaken, but then got a message from my mother about an hour and half later letting me know that they had contacted her and told her they were trying to collect a debt and even confirmed some of my personal information. I was able to call the representative back and advised that none of the information they had on this debt is mine. He said he would file a dispute with his supervisor and hung up. I know contacting family members the way they did is illegal under the Fair Debt Collection Practices Act, 15 USC 1692c. They have provided no documentation on this debt and are threatening to file suit and garnish my wages without attempting to collect through normal means.
Product: Credit reporting or other personal consumer reports

I submitted a Identity theft report refer to report number XXXX only to be told by the bureaus that the file number that I provided was not valid. The file number that I provided was on all the documents I mailed to them which were the instructions once I filed given to me by the FTC which were demanding them that they had 5 days to block the inquiries from reporting on my report per order of the ftc. I sent them their copy and I also sent the copy with similar instructions to the creditor reporting the inquiry. The response I was given by the credit bureau was that they had 30 days to look into the matter. I corrected them by reminding them that the 30 day rule applied in a normal dispute action but in the case I was presenting to them this was an FTC Identity Theft Report and the laws that they were bound by was a five day rule if they could not conclude their investigation in a five day period they were to block the two inquiry 's from reporting. They did not agree with my understanding and that was as far as I was willing to go. The two inquiry 's in this situation are : XXXX XXXX XX/XX/XXXX  XXXX XX/XX/202XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These 8 inquiries do not belong to me. They were unauthorized on my credit : XXXX XXXX XXXX Date : XX/XX/2022 XXXX XXXX Date : XX/XX/2022 XXXX XXXX Date : XX/XX/2022 XXXX XXXX  Date : XX/XX/2022 XXXX XXXX XXXX Date : XX/XX/2022 XXXX XXXX Date : XX/XX/2022 XXXX XXXX XXXX Date : XX/XX/2022 XXXX XXXX XXXX  Date : XX/XX/2022 2022
Product: Debt collection

hello My name is XXXX XXXX I am a former XXXX school student, the school that forced to sale their foundation by the department of education for providing false education anyway I am applying for the loan refund, however my issue is that when the school got us to sing for the privet student loan from an agency called XXXX. after a period of time I received an email saying XXXX is not my loan provided anymore. And University accounting service LLc became the new provided service that I have to pay back to them. my problem start here, my bill is {$120.00} a month. I am paying that amount for couple of months but every month I have interest accrued, when I asked them by phone the lady told me because I am paying the Miniman .then I paid {$300.00} for tow month that 's double the amount, but still interest accrued. after that I have contacted them by phone and email to send me the loan and interest polices to understand why interest accrued to avoid paying interest no one did what I have Asked for. no body provided me the polices. just what I am asking for is that they do n't want to provide me information about my dept. I do n't know now if they charging accurate or not. 
thank you the company website is XXXX my email is XXXXXXXXXXXX my phone is XXXX