23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have called and submitted a request in writing to XXXX XXXX under the FCRA and to Validate debt. Two accounts one for XXXX  XXXX for XXXX The second is for XXXX and XXXX for XXXX The second also shows as XXXX  XXXX never responded and then they sold to Portfolio Recovery Associates. XXXX removed the XXXX for XXXX but they have not removed the XXXX XXXX for XXXX I have asked XXXX to remove due to under FCRA and me requesting for the original debtor XXXX XXXX, XXXX and the collection agency Portforlio Recovery Associates to validate all statements, interests, payment history, late payments and original contract with my signature. I also asked Portfolio Recovery to validate debt and send me original contract with my signature and remove from my credit reports. I have a police report as well that I submitted to credit bureaus.
Product: Debt collection

have asked to stop calling and bill me. Have asked to stop leaving voicemails, have asked to stop calling my references.
Product: Debt collection

Qualia Collection Services is attempting to collect a debt that does not belong to me. They sent me the attached notice of debt on XX/XX/XXXX. I've attempted to resolve this by contacting the company asking for validation of this alleged debt. I sent out correspondence via USPS mail on XX/XX/XXXX. I have yet to receive any form of sufficient validation of this debt, or any correspondence at all from Qualia Collection Services. As far as I know, this has not been reported to any of the credit bureaus but I'd like them to cease all collection efforts and assure me that this will not be reported to the credit bureaus as this alleged debt does not belong to me. I am requesting legal action to terminate this account immediately. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate, inconsistent, and unverifiable information appearing on my credit report with your bureau. I have noticed significant discrepancies in the reporting of items across XXXX, Experian, and XXXX. These discrepancies, along with the non-public information shared across reports, have caused confusion and do not align with the requirements of accuracy and validity outlined in the Fair Credit Reporting Act ( FCRA ).
Product: Money transfer, virtual currency, or money service

Ive been using cashapp for a while now there have been multiple occasions where Ive reached out to cashapp about money missing from my account! When I click on contact us and try to reach out and do a dispute nothing happens no proper investigation and Im sick of it Ive lost so much money from this app! All I get is the run around
Product: Debt collection

The debt collection agency has done the following : - Repeatedly called me at my place of employment - Called other individuals like my future mother-in-law claiming they are running a background investigation - Threatened to file arrest warrants
Product: Money transfer, virtual currency, or money service

Sold items on XXXX, shipped with tracking the same day. XXXX said my funds would be available 72 hours after the time the items were delivered. It has been 72 hours and the funds are still unavailable. I 've called Paypal 4 separate times today and gotten different answers from each person. My last phone call, I asked to speak with a supervisor and was denied that and then hung up on.
Product: Student loan

I filed for an adjustment for my student loan one month before repayment. I turned in all the forms and filled out the necessary information with the customer service agent. I was told I qualified for a XXXX dollar a month payment and the first bill came out stating that I owed over XXXX.
Product: Credit reporting or other personal consumer reports

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 has violated my rights. 

I looked at my Experian credit report on XXXXXXXX XXXX  and noticed some things are incomplete and not accurate.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 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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

this loan was opened by this company who had access to my credit report. All transcations on the account was not made by them, this case has been picked up by the FBI and they have provided a letter to give to the bank
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX # XXXX is being reported on my XXXX, Transunion, and XXXX  credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. JPMCB - CARD SERVICES XX/XX/2021, XXXX XXXX Inquired on XX/XX/2021. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Debt collection

XX/XX/2018 XXXX XXXX XXXX acct # XXXX To Whom It May Concern : Please be advised that I have received your correspondence .This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. 
Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff  attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. 
If you can not produce such proof after I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. 
Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner.
Product: Debt or credit management

Yes, I have tried to call you guys 3 times on XX/XX/year>, regarding the XX/XX/year>, as to where is it coming from? I don't know what service i'm getting but this is not expectable.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in 2021, since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting Act I have the right as a consumer to dispute and remove any unauthorized inquiry or account that have been found on my credit report. Please remove all the inaccurate/fraudulent inquiries I have listed. 
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  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 hand written instructions. 1681 Section 604 A Section 3 states I have the right to recoup fines up to {$1000.00} per violation against Equifax.
Product: Credit card

Barclays frontier credit card I opened about a year ago. I had accidentally put the wrong address as my new landlord gave me the wrong address for my new apartment. Then I forgot about the card and figured since I had not activated it nothing would happen. Then recently received and email indicating an annual fee being applied along with a late fee if not paid. I quickly called the company and they advised at first I should be able to talk to customer service and have the fees removed if they agreed to it and then close the card. But I began being ping ponged between fraud department and customer service, and the final thing told to me was I needed to provide XXXX documents. A utility bill, social security card, and drivers license to have the account unlocked. Now this normally would not be an issue for me but I have XXXX residences and do not have access to my social security card and or my XXXX from last year. I find this unacceptable that they can't just cancel the account as I never activated the card and to their own admission can't be used because if incorrect address data. On top of it I can not even pay the fee until it's unlocked. This is absurd that I can open a card with no documents needed but in order to cancel a card never activated and never used I need to jump through hoops. Honestly comes across as a scam that they continue to keep it open ringing up fees and I can not do anything about it.
Product: Credit reporting or other personal consumer reports

I changed cellular phone service in 2023 with XXXX, they sent it to collections and I paid it in full and its been sitting in all 3 credit Boreas as in collections, or derogatory, or paid after charge off in collections, all 3 are inaccurate and i either want it corrected on all 3 reports or removed completely
Product: Debt collection

I had taken an insurance policy out on my XXXX XXXX XXXX through XXXX. I spoke with an agent during this process at which time I inquired if I could cancel the policy at any time and was told I was able to do so. They have attempted to retrieve the remainder of the policy amount after cancellation with them back in XXXX of XXXX.
Product: Mortgage

Ocwenloanservicing in XXXX XXXX XXXX Florida continues to mark me XXXX days late for XXXX 2015 although the loan had been paid off in full through refinancing with XXXX XXXX. I was informed by XXXX XXXX on XXXX XXXX, 2015 that it is still showing as late for XXXX although ocwen no longer held the loan.
Product: Payday loan

Changing the payment to {$170.00} from {$150.00} and the payoff is & XXXX ( more than the original loan of {$600.00} ) after 4 payments.
Product: Checking or savings account

I called and ws told XXXX XXXX accounts had positive balances that they couldn't close my accounts and send me a check. I spoke with XXXX on XX/XX/year> around XXXX XXXX. They offered a credit, and for me to call the next day to issue a credit but refused to actually close the accounts as I requested.
Product: Credit reporting or other personal consumer reports

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  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.

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: Credit card

On or about XX/XX/2023 I hade a credit balance of {$14.00} i ask to send a check to my address Villa de XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX I Spoke with representive and said a check will send to me. As of today nothing has happen
Product: Credit reporting or other personal consumer reports

would like to address the crucial regulations safeguarding consumers under the Fair Credit Reporting Act ( FCRA ). These regulations ensure equitable treatment, privacy protection, and accuracy of credit information. Section 602 ( a ) of the FCRA mandates that entities collecting and reporting consumer information must adhere to principles of fairness, neutrality, and privacy, encompassing well-known entities like Equifax, XXXX, and XXXX. As an individual subject to their data collection, I retain the right to safeguard my privacy. Furthermore, Section 6801 reinforces Congress 's intent for financial institutions supplying data to credit agencies to uphold the security of personal information. 

The FCRA also outlines the necessity for written consent prior to the dissemination of consumer information by credit agencies, as delineated in Section 604 ( a ) ( 2 ). However, I have not provided written consent to Equifax, XXXX, or XXXX, contravening this requirement. Moreover, Section 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to opt out of information sharing, a requirement that has not been fulfilled in my case. 

Equifax, XXXX, and XXXX have reported adverse information about me without obtaining my consent, a violation of Section 1681C ( a ) ( 5 ) of the FCRA. Additionally, Section 1681s2 ( A ) ( 1 ) prohibits the dissemination of knowingly inaccurate information, which appears to have occurred in this instance. 

Furthermore, the FCRA mandates that these entities establish robust procedures to ensure compliance with the law, as outlined in Section 1681e. Unfortunately, it appears that Equifax, XXXX, and XXXX have failed to implement adequate measures, resulting in inaccurate information being included in my credit report. 

Consequently, I am formally requesting that they cease sharing my information, as permitted by 12 CFR 1016.7. Additionally, I demand the immediate removal of all erroneous entries from my credit report. Failure to adhere to these requests may warrant legal action for willful non-compliance with FCRA regulations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

have a non profit pnc bank account for years. not used it since XXXX-2016 went to atm yesterday for deposit. account deactivated by bank received no notice. also find out that during that time service fees were charged to it. I was not made aware it was subject to these fees. they were taken. a total of XXXX dollars and change. its bad enough to have account deactivated with no notice regardless of their rules its another thing to receive no disclosures as a result and get fees taken out. bottom line if they charge fees I will need to go elsewhere for now I have a big grant coming in and will despoit elsewhere. please see to it I am refunded these service fees and account is reactivated. NOT my fault. would never think bank would do it with no notice. also if no waiver can be applied then I will be moving on.
Product: Credit card

I received a call XX/XX/2024 from a person identifying themselves as XXXX XXXX from the Consumer Financial Protection Bureau. He informed me that they had discovered an application for a Capitol One Bank Credit Card in my name, with my social security no. originating from XXXXXXXX XXXX and asked if I had authorized such. I had not. He said he created a complaint no. XXXX and the transferred me to a person identifying themselves as XXXX XXXX. Both individuals spoke with what I believe was an XXXX XXXX XXXX XXXX accent. The second person read back to me a list of my credit cards, outstanding balances, he had my social security number, date of birth. He also said that some of my credit cards had " red marks '' ( direct quote ) on their statements or billing information. 

I was suspicious so I ended the call at XXXXXXXX XXXX XXXX XXXX  because I had to go to a meeting. I have a call back number of XXXX. Can you verify that this call and contact is legitimate?
Product: Credit reporting or other personal consumer reports

On XX/XX/year>. I looked at my credit and noticed some inaccuracies. I sent a letter to XXXX on XX/XX/year>XXXX  asking them to investigate these accounts XXXX XXXX XXXX XXXX XXXX. I sent it certified mailed here is my tracking number on XXXX XXXX XXXX XXXX XXXX XXXX, they sent me their investigation and said those are verified accurate. And according to 15 USC 1681 ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, and item of the information is found to be inaccurate or incomplete or can not be verified. The credit Bureau did reinvestigate and violated my right.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  XXXX Account number : # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 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: Student loan

I have a statement from Wells Fargo indicating I had a payment due by XX/XX/18 in the amount of XXXX and my account balance was {$12000.00}. I went into a branch in XXXX, GA on XX/XX/18 and was quoted a loan payoff amount of XXXX. I went to the XXXX, GA branch on XX/XX/18 to pay off account and was told I had to pay XXXX. This is an extra {$73.00} over and above what I was quoted. To me this is predatory since that is more than the amount I pay monthly to principle. I am reporting this to everyone I can about how business is conducted here. My loan has been paid in full.
Product: Credit reporting or other personal consumer reports

I recently discovered unauthorized hard inquiries on my TransUnion credit report, including one from XXXX XXXX XXXX dated XX/XX/year>. I did not apply for credit or authorize these inquiries, and I suspect they are the result of identity theft. Over the years, my personal information has been exposed in several data breaches, including the XXXX data breach, the XXXX XXXX XXXX data breach, and potentially the recent XXXX XXXX XXXXXXXX XXXX XXXX. These breaches may have compromised my Social Security number and other sensitive information, making it easier for bad actors to attempt fraudulent activities in my name.

I have already taken steps to address this issue, including filing an FTC Identity Theft Report and contacting XXXX XXXX XXXX to request documentation of the inquiry and details of the fraudulent application. I am concerned about further misuse of my information and need assistance to resolve this issue and protect my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX via phone and fax back in XXXX, 2021, that one of my credit card accounts was not reporting to XXXX and Equifax. They said they would fix it and to give it 30 days to update. It is now XXXX, 2021, and it is still jot reporting. These accounts are " secured '' therefore, the point is to help raise your credit score. My score is not improving because the account is not even reporting.