23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally lodge a complaint against XXXX XXXX XXXX for violating U.S. Code 1692g - Validation of Debts, which is part of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the violation pertains to the requirement for debt collectors to provide consumers with certain information within five days after the initial communication regarding a debt.

According to U.S. Code 1692g ( a ), a debt collector must send a written notice to the consumer containing the following information within five days of the initial communication, unless this information is included in the initial communication or the consumer has paid the debt : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed. 

XXXX XXXX XXXX failed to provide me with this required information within the specified timeframe. Additionally, the company " XXXX XXXX, '' which XXXX XXXX XXXX claims is the creditor, does not exist. This indicates that the debt is invalid and that federal regulations have not been followed. 

This oversight by XXXX XXXX XXXX has caused undue stress, confusion, and damage to my creditworthiness. Therefore, I request the following actions be taken immediately : 1. **Immediate Removal of the Invalid Debt** : Remove the invalid debt reported by XXXX XXXX XXXX from my credit report. 
2. **Remedy for Damages** : Provide a remedy for the adverse impact on my creditworthiness due to the invalid reporting allowed by both XXXX XXXX XXXX and your consumer reporting agency.

3. **Investigation into Compliance** : Investigate the practices of XXXX XXXX XXXX to ensure compliance with federal regulations and prevent further violations of consumer rights. 

This violation of my rights under the Fair Debt Collection Practices Act is unacceptable, and I urge you to address this matter promptly and thoroughly. Please acknowledge receipt of this complaint and inform me of the steps that will be taken to resolve this issue. 

Thank you for your immediate attention to this serious concern. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I have a XXXX $ car loan I was not able to pay off, I still get calls on it. I was young and didn't have credit at the time of purchasing my first car. I contacted the bank several times for help, with no help. Stated that they had no option for me. Threatened to even take my car. I eventually got in a wreck and my car was deemed totaled. I was informed I purchased gap insurance through the company I got the car, they told me I did not get it, even though I was quoted for it and asked for it specifically when purchasing the car. I still owe on the car and I no longer own the car at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied approval for a rental agreement because of miss-information present on my EquiFax credit report regarding all my student loans with XXXX. 

It is stating " Payment Deferred, Collateral : Deferred to XXXX '', showing on 8 different Student Loans managed through XXXX " Opening Dates : Balance '' : XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$4500.00} XX/XX/XXXX : {$4000.00} XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00}
Product: Mortgage

My Ditech loan is set up for automatic payments out of my checking account. I received a past due collections letter from Ditech dated XX/XX/XXXX. I checked my secondary checking account that I use for this payment and the XX/XX/XXXX payment had not been deducted from my account. I call Ditech to see what is going on, the agent couldn't locate my account. She was finally able to find some information and told me that my account was given a new number and I should have received a letter stating that I didn't need to do anything and that the payment would come out automatically as usually. I told the agent the payment didn't come out of my account and asked if she could take it over the phone. She said I could not, but advised me to call into the automated system and make a payment. The automated system stated it had received a $ XXXX payment, but that couldn't have been right. I made the payment for $ XXXX and received a confirmation number. However as of XX/XX/XXXX, the payment still has not been deducted from my checking account. Now they are reporting me past due to the credit bureau for {$660.00} payment. Ditech VRU/automated system has a record of my payment, but also says I owe a payment of {$1300.00}. I've called Ditech 10 times  asking for help, but they can't help me because they don't see my full information. I've disputed the credit bureau report, but I'm fearful this may cause them to put me in foreclosure. I've never missed one payment with either of my mortgages ( over 18 years ).
Product: Debt collection

This debt has been discharged in a bankruptcy please stop calling and harassing me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Vehicle loan or lease

my nephew went to a XXXX dealer and was buying car he put down payment down and was denied the loan said he needed a cosigner so im the uncle and i cosign but later i found out he wasnt owner i was and he was cosigner i told the finance lady that i only receive XXXX a month from social security i have done some investgating and found out my income was inflated to over XXXX a month plus the lender is sending me all paperwork in the mean time my nephew has done a volntary go back he still has it the loan company has close the case and the dealer fired the fiance person i told the loan company the dealer defraud you about my income with payments and down payments my nephew stands to lose about XXXX dollars dealer wants to pay off the loan and give him XXXX to XXXX off a new vehelcle he told me inflating my income on loan doc mean nothing i said yes it does thats fraud i dont get it loan company close account nothing happans to dealer and either me or my nephew has to pay difference on what they get outta it and dealer gets by with it something is very fishie about this loan papers were sign at his job site not dealer and she said she mess contract up so im confused if i did it to them they would sue the me for everything i got
Product: Debt collection

On XX/XX/2022 I was left a voicemail asking me to call a number because I was going to be served in a civil matter. I called back confused and asked who the creditor was and they said XXXX XXXX. I have not had a XXXX XXXX account in over 15 years. I have not been contacted previously about any debt with XXXX XXXX  and they closed down in XXXX when I lived there. They kept saying we are going to have you served and you need to confirm your information. They knew the last four digits of my SSN and my account lace of employment but again this is the first I am hearing of this debt and I asked them to send me the debt info in writing. On the message they left it says it was process service dispatch. When I called back they didnt even answer the phone as a business this guy just said hello and said his name is XXXX XXXX The phone number was flagged as likely a scam. The number that left the XXXX is XXXX which is a cell phone and not unusual since people are working from home and they left a number for me to call back at XXXX but I could not find a business registered to this number. At the end of the message the recording says Youve been notified as if this is set in stone and now Im going to be in trouble. I genuinely have no idea what this is about and they kept trying to intimidate me by saying they were filing a civil suit.
Product: Money transfer, virtual currency, or money service

I sent a Zelle payment through XXXX XXXX  to an authorized Zelle user XXXX XXXX who never sent me the item I purchased and disappeared off of the purchasing platform. XXXX wont even allow me to bring up the dispute and withdraw the money from the individual because they had a Zelle account.
Product: Credit card

Starting on XX/XX/year>, I was fraudulently charged by a merchant named XXXX XXXX XXXX XXXX XXXX XXXX I initially purchased a software package for {$1.00}, but I was charged {$56.00} without my authorization. Following this, I was charged twice per month for varying amounts : {$19.00} and {$98.00}, on the same day each month. These unauthorized charges continued on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not agree to any of these recurring charges beyond the initial {$1.00} offer. I did not receive the " {$1.00} '' software package, and I was never charged {$1.00}. 

I have contacted the merchant multiple times via email and phone but have received no response. They provided my credit card company, Barclays, with fake documentation, including a fabricated Terms of Service and refund policy, which I can prove through screenshots showing the URLs provided by the merchant lead to 404 errors ( pages that dont exist ). Additionally, they have not provided any valid proof of authorization for these recurring charges. 

I filed disputes with Barclays three times, but they have sided with the merchant each time, despite the clear evidence of unauthorized charges and the fabricated documentation. I have also submitted complaints to the Wyoming Attorney General 's office about this merchant. 

I request that all these unauthorized charges be removed from my account and that Barclays conduct a thorough investigation.
Product: Checking or savings account

On XX/XX/XXXX I noticed overdraft in my Capital One Checking account. I called Capital One and they acknowledged that duplicate payment ( I did not set up ) was sent to my Capital One credit card. They refunded overdraft fees and told me to call the Credit Card to see why it was taken. 

Capital One Credit Card told me that it was the bank that sent the duplicate payment. I told them I would be making a big deposit soon and wanted to ensure they would not RETRY the duplicate payment. On Thursday, XX/XX/XXXX, I deposited money into my checking account and on Friday XX/XX/XXXX, the credit card company DID retry to take the duplicate payment and were now successful because there were sufficient funds. 

The money was deposited into my account because I have to pay other bills to pay. I called the credit card and bank on XX/XX/XXXX to have the duplicate payment refunded to my account. I was told that I can dispute the charge and an automatic provisional payment would be returned to my account. That did not happen. 

I was told it would be expedited because both banks are Capital One. 

Upon calling today, XX/XX/XXXX, I was told that there is no way to expedite this, and it would take 10 business days to return my duplicate payment. They also told me that someone on their side " made a mistake '' when filing the claim, which has reset the clock. 

Capital One is not returning the overpayment that they made in a timely fashion and now I can not pay the bills that are due. 

I have had to call them multiple times without any satisfaction.
Product: Debt collection

Over two years ago XXXX XXXX began sending a " past due '' bill for aroound {$50.00} to our address. ( We have had XXXX for over 5 years ). It was addressed to our son XXXX woho has lived in XXXX for over 17 years and has never lived at our aderess. 
We contacted XXXX and they said it was a mistake and they would correct and delete the charge.Over two years later we are still being harassed by bill collectors. ( The latest is XXXX ', XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, ( XXXX ) XXXX. The bill is now $ XXXXXXXXIn the process we have complained, our son has complained, and XXXX has admitted they are wrong but we are still being harassed. 
Can you help us?
Product: Money transfer, virtual currency, or money service

Ive been using Zelle since XXXX, and over the early years Ive had to send money to various friends, family, vendors, etc. While putting in a persons number Ive accidentally sent out money to the wrong people a few times. There was no warning screen to allow me to double check the number and XXXX basically told me I was screwed and the only way to get the money back is if I called the person and begged for it back. The lack of accountability and safety regulations is unacceptable.
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. On XXXX XXXX, 2020, XXXX  XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, SANTANDER CONSUMER USA add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to my previous complaints, the company went in to Transunion and did this : Between XX/XX/2022 and XX/XX/2022, the following remark was added to this account : Account paid from collateral. 
Remark code removed from XXXX XXXX  XXXX XXXX account Between XX/XX/2022 and XX/XX/2022, the following remark was removed from this account : Paid repossession. 

DELIBERTAELY MAKING THE PROBLEM WORSE They changed their comments from a PAID repossession and added a LIE. They seem to think these complaints are a joke and the financial damages to my credit worthiness is something they think they can play with. Let the games begin XXXX.
Product: Credit reporting or other personal consumer reports

I requested the company to fix the issue with what was being reported to all XXXX  credit bureau 's as promised via their terms and conditions : XXXX  months of instant credit history reported. 
XXXX  months of past bills added to your account. 
Up to XXXX XXXX XXXX reported as credit. * * The minimum reported is {$5000.00} and you can increase it by matching utilities. Positive history will always be reported. 
We will report to all XXXX major credit bureaus : XXXX, XXXX, and XXXX, at the end of each calendar month. 

I requested by email to be updated on why I was not seeing the XXXX credit limit reporting with all XXXX  bureau 's. Tomo Credit is reporting a XXXX amount to my account through the XXXX credit bureau 's. Tomo responded in an email asking which bureau was not reporting and I advised that all XXXX  bureau 's need to be investigated to confirm what is being reported for me through Tomo. They sent me an email that was very unclear and just highlighted my email description and my case was being updated.

I emailed them again because I had not heard back from the support team with the results of my requested investigation. I advised that I will move forward with cancelling my account and take my business somewhere else. No one responded I decided to reach out to my bank to file a dispute to stop payment with Tomo and to refund my money for services not rendered. And as per the advise of my bank I moved forward to cancel my account with Tomo Boost on XX/XX/2024, request that they cancel my account. And based off of the terms and conditions they allow a monthly member to cancel for any reason. However, Tomo Boost has not cancelled my account and it seems like they're not going to ..... Please help me stop this company from taking my money! Thank you in advance! 

Tomo Boost Terms and Conditions for cancelations : For a Monthly Program membership at any time for any reason with XXXX business days notice to us, with notice effective on the business day following the day that you notify us of cancellation, in which event your membership and access to Monthly Program Enrollment and benefits will terminate effective XXXX business days after the effective date of your notice of cancellation to us.
Product: Debt collection

This is FRAUD, I never had XXXX XXXX XXXX service, this is NOT mine nor did I obtain. I have tried to deal with this through the credit agency and the company with nothing in return. Please help
Product: Debt collection

I received a letter from Radius Global Solutions llc, stating that I owe AT & T {$2000.00}. on account # XXXX. They offer to reduce it to {$1200.00} if I pay it now. 


The last time I had XXXX XXXX XXXX as a provider, was for home phone service, and was at least XXXX yrs ago. I've never had an unpaid bill with them. Nor have I ever had mail from XXXX XXXX XXXX asking for outstanding debt. 

I believe this is a SCAM, hoping I don't have my faculties and that I will panic and pay them this large amount of money. 

I just wanted to bring this to the attention of the authorities so that it can be address with Radius Global Solutions. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate information which has aided in identity theft. I called and complained to Experian rep through the fraud department, items were removed but are continuing to emerge on my credit report which is interfering with accurate personal information.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I filed a dispute to remove several incorrect tradelines with Experian. Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate information or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, Please review the attached documents for reference regarding my dispute with XXXX XXXX. I have attempted to send in these documents several times and can not upload them online directly with XXXX. 

On Thursday I was advised by customer service rep by the name of XXXX that you have stated the reason code for my dispute under inaccurate. Please review the documentation that is attached.
Product: Mortgage

I applied for a mortgage with my current lender in XXXX. My home was appraised and completed on XX/XX/XXXX. Currently I have been misinformed of what they need to complete the process. I paid XXXX dollars up front for a appraisal that I can not transfer. After several complaints about flagstar failing to have proper information listed on the approval online they continue to wildly ask for more information. As of today the website displays a expired approval from XX/XX/XXXX that is prior to the appraisal, flagstar requests I pay my XXXX bill that is not late in order to complete the loan. This is not displayed on the site nor has it been asked for in writing. Nor can I see it on the site. I feel this is yet another attempt to delay the closing. I was told numerous times and in writing that this would be done if I get the payoff etc. now Im out XXXX dollars and have to make a payment on a mortgage for the XXXX month after I was told its done. During a pandemic I am making my obligation and I feel this bank is not providing accurate information and failing to place these requirements where a person can see what is required. They also failed to respond to complaints in a timely fashion. It took two complaints and a dozen emails or calls for one response that was inaccurate. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX this year I closed a Credit card Account with XXXX XXXX. There was a pending balance on the card when closed so the belief was the card was paid off in full. 2 months later My credit score dropped by 100 points and this is how I was notified of a balance on the card. I contacted XXXX and Paid the card in full. When questioned why I had not received any notification of balance they stated that they sent me email notification. Checking my mailbox and spam I received no notifications. I asked for proof of notification and the refused to send me proof of emails from XXXX to myself stating I owed money on my card. On XX/XX/XXXX I opened a XXXX  credit dispute. The results of that investigation removed the late payment discrepancy from my credit report. When I started a Transunion dispute on XX/XX/XXXX I received the results of this dispute on XX/XX/XXXX stating that the information was accurate. Since the two investigations should have been the same. the Late payment should be taken off all of my credit reports. 

Thank you so much
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX, # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with [ XXXX XXXX XXXX ] Dear Sir/Madam, I am writing to formally complain about a serious issue concerning the reinvestigation process on my credit report, as required by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has not removed a late payment from my account with [ XXXX  XXXX XXXX ] despite my efforts to correct this inaccurate information. 

I recently disputed the presence of a late payment on my [ XXXX  XXXX XXXX ] account, which has negatively impacted my credit history. Under the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was required to conduct a reinvestigation to ensure that any inaccuracies were promptly corrected. 

However, despite this legal obligation, the credit bureau has failed to properly reinvestigate and correct the erroneous information on my credit report. This negligence has harmed my XXXX XXXX and jeopardized my financial well-being. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter urgently and ensure that the credit bureau complies with the relevant regulations. I am seeking immediate action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX  XXXX XXXX ]. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance. 

Sincerely, Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX