23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have no knowledge of any account being in collections I received a notification from one of the credit reporting agencies that I now have a derogatory mark on my credit due to a collection account from mca management company a company Ive never done business with. Im disputing this debt & the validity of this debt in its entirety and requesting a debt validation letter. THIS IS a direct violation of my rights as a consumer per the fair credit reporting act I have to be properly notified of the said debt prior to placing anything on my credit report which this clearly wasnt done THIS DEBT IS INVALID. remove this account and any trade lines affiliated with it immediately I know my rights as a consumer I will move forward with litigation against your company for and violating the fair credit reporting act for placing this derogatory mark without any debt validation /failure to notify
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX and Experian are ignoring my requests to investigate and remove accounts from my credit reports that do not belong to me.
Product: Debt collection

I sent out a debt validation letter on XX/XX/2023 Genesis Credit Management received it on XX/XX/2023 they stated to have sent out the validation request on XX/XX/2023 to the incorrect address this is a violation under the FDCPA 30 day no response.This debt collection agency has committed the following FDCPA Violations 806 : Harassment and abuse 807 : False or misleading representations 808 : Unfair Practices 809 : Validation of Debts
Product: Debt collection

I have received several phone calls from various numbers from this company. The last inappropriate call was received at XXXX on a Sunday. I do not owe this company any money.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution ( XXXX ) and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

I was using this application that you can buy/sell XXXX on called coinbase. For some reason I coinbase closed my account on XXXX/XXXX/XXXX, I was doing nothing wrong and coinbase can confirm that by viewing my account. I contact them that same day by phone but the rep was not able to help me at all. So I sent an email to support instead, I received the generic we will get back to you email and I have waited 5 days without a response on this. No one is able to explain why my account was closed in the first place, as well as me not being able to log into my account to get the few dollars I still have in my account with coinbase. I emailed them every day this week in hopes that someone can help me but I still have no response. 

My case number is # XXXX and # XXXX
Product: Debt collection

Several years ago, I got behind in my HOA on my property. The  HOA s ent my debt to a collection company, cal l SBS lien Services. I rec eived a payment plan. Last year I got behind by 45 days due to my business being slow. I asked for a meeting with the  HOA and they never resolved the problem. I made sure I paid the monthly HOA because the Davis Sterling act states that legally the HOA has to accept my c urrent payment. Last month my father passed away and I was involved in his passing and his funeral expenses. At the time of me staying at the Rest home with my father the  HOA 's collec tion company sent me a letter on  XXXX   XXXX , which I received on  XXXX   XXXX  asking for {$5500.00} by  XXXX / XXXX / XXXX  only giving me 4 days to come up with money I did not have after paying for funeral costs ( I have the death certificate to prove it ). In the letter they wanted {$5500.00}. I did not even get the letter until  XXXX / XXXX / XXXX , and I was paying my curren t HOA. The HOA did not give me a chance to make payments. the cost seem to sky rocket even though I was paying the {$200.00} current fees. The collection company sent my file directly to a Trust Deed sale, with out a current notice of Default. The lien service last file of notice of defau lt was in  XXXX , with the last notice of trust Deed sale in  XXXX , and a release of the les pendance in  XXXX . I feel since I was making the payment and paying extra t he HOA should be advised to allow me to have a payment plan and remove all the additional fees they added for the trust deed sale without a current notice of default. SBS Lien services did not give me enough time to even come up with the lump sum. In addition the HOA wa s not advised correctly as I have a modification on the home on the loan at $  XXXX  and the value is only  XXXX  Th e HOA will owe more on the home than it is worth which means they were not explained the circumstances by their property manager who is not following the Davis-Sterling Act or the collections company. I do not want to los e my property, yet t he offer too me was unfair only giving me 2 days to come up with {$5500.00} and not the Trust Deed sale is requsting over {$7500.00}, {$2000.00} more. I sent them all the money I have {$3000.00} and all I am asking for is a fair payment and not a foreclosure. SBS c ontact is  XXXX . I was never contacted by phone, nor was I invited to a meeting with  the HOA, PLEASE  HELP ME..
Product: Student loan

On XX/XX/2023, I sent a negotiable instrument via certified mail ( tracking number : XXXX ) to Nelnet XXXX XXXX, a servicer for my student " loans, '' with the intent to discharge the " debt '' on my account for {$20000.00}. This action constitutes a valid tender of payment under the Uniform Commercial Code ( XXXX ) Section XXXX. Despite confirmation of delivery on XX/XX/2023, Nelnet has failed to : Apply my payment to my account : My billing statements continue to reflect an inaccurate balance, neglecting the tendered payment. This violates XXXX XXXX XXXX, which defines a negotiable instrument as " paid '' upon delivery and acceptance. 

Acknowledge receipt of the instrument : I have not received any communication regarding the instrument or its application to my account. This lack of notice of dishonor further strengthens my claim of valid payment under XXXX Section XXXX. 

Correct my credit report : My credit report continues to show late payments, inaccurately reflecting my financial standing despite the timely tender of payment. This violates the Fair Credit Reporting Act ( FCRA ) and misrepresents my creditworthiness. 

Furthermore, I have since opted out of Nelnet sharing my private information and sent a follow-up letter, and email inquiring about the payment and credit reporting discrepancies. My inquiries remain unanswered, potentially constituting a violation of the Consumer Financial Protection Bureau ( CFPB ) Regulations regarding complaint investigation and response.
Product: Credit reporting

What you are doing TransUnion is against the law, a federal crime. As a citizen of the United States Of America, it is my RIGHT under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. That is not my option, that is my RIGHT and TransUnion, you 're still violating that RIGHT of mine under the FCRA by still reporting a student loan over 10 years old ( from the original delinquency date ) on my credit report that is negatively impacting my credit score and the decisions of lenders. In most cases, a consumer reporting agency XXXX not report negative information that is more than 7 years old, or bankruptcies that are more than 10 years old. In my case, TransUnion you are reporting a XXXX XXXX student loan that is more than 10 years old ( from the original delinquency date ) and that account is negatively impacting my credit score and decisions of lenders, including the REMARK SHOWN IN THAT STUDENT LOAN ACCOUNT ON MY CREDIT REPORT AND THE FACT THERE IS NO PAYMENT HISTORY. 

These are my XXXX requests : ( 1 ) Remove that XXXX XXXX student loan from my credit report now, it is older than 10 years from the date of original delinquency ; it is outdated information negatively affecting my credit score and the decisions of lenders ( 2 ) Provide me, in writing, with the ORIGINAL DELINQUENCY DATE of that XXXX XXXX student loan account ; send the ORIGINAL DELINQUENCY DATE to either my email address on file with XXXX or my mailing address on file with XXXX or through an electronic online file at your website that I can access. That information is not my right, but if the student loan is not outdated ( it has been less than 10 years from the original delinquency date ), I will withdraw my request to remove it from my credit report. That date is imperative and I know it has been longer than 10 years, but I need it in writing. 


Thank you TransUnion for hearing my complaint and I know you will respect my right under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how consumer reporting agencies use your information. Please stop violating that law. Please meet my XXXX requests quickly. Again, thank you TransUnion
Product: Credit card

XX/XX/XXXX notified Macy's/XXXX via letter and FTC report of identity theft and a fraudulent hard inquiry on my credit report in their name. I advised them it was not me and that I hadn't authorized anyone to open credit in my name. I requested they investigate, provide me with the original application documentation and to close any account, absolve me of any charges, and remove from my credit report. 

XX/XX/XXXX Macy'sXXXX sent a response letter via XXXX advising " the inquiry was submitted with intent to gain credit from Macy 's. The Inquiry being reported to your credit file was authorized and will remain on your credit file for XXXX years. '' This inquiry was not authorized by me, and Macy 's did not comply with my request for documentation as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2013 XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$91.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$73.00}
Product: Debt collection

I'm being contacted by email repeatedly by a company called True Accord. I've made it clear they have the wrong person and they will not stop emailing me after I've asked via email and unsubscribed from communication. 


The information is below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX ) Office Hours : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Tower Loan is in violation of FDCPA through harassment and bullying tactics of collections. 
I lost my job in XX/XX/2019 and have been hounded and harassed by Tower Loan of Pearl ( XXXX XXXX XXXX XXXX ) since then. Every call received from Tower Loan has been an argument and harassing. An employee visited my house on a Saturday morning and told me one amount to pay, but on the following Monday morning I was advised it was 3x more. I was then reprimanded by the Saturday visit employee that what he works out with me is between him and me! I receive multiple phone calls and voicemails on the same day from this company yes, I saved them. It got to be so many calls a day from many different numbers, I started blocking the calls. Communication was not a problem until they started violating CFPB. Multiple times I advised them they may only call me once a day and only leave one voicemail a day. They refused to listen. I received a letter from Tower Loan on XX/XX/2019 that was dated XX/XX/19 stating I had until XX/XX/2019 to come up with the money or they may consider legal action. I was served a court summons on XX/XX/2019 and a nasty phone call from them. I called the corp office and requested a supervisor call me on XX/XX/2019 at XXXX. I spoke to their GM XXXX the following day. He assured me they could still continue to collect on me until the court day XX/XX/19, but considering my unemployed status they would only call and check in on Wednesdays or I could call them. The first 2 check ins went well and then it went to heck. Harassing phone calls and voicemails started up. I was informed by XXXX that their GM hadnt told them anything about only calling on Wednesdays. The lack of communication on their part is no fault of mine. 
I received another letter in the mail today stating I had until tomorrow or they would file legal against me. UHHH HELLO you already did. I have all of the call logs from every phone line they use cell phone included and I have ALL of the voicemails that were left. I left a message for the corporate office to call me back 3 days ago and have not heard anything yet. I am naming the following as the harassers : XXXX manager, XXXX manager, XXXX, XXXX. 
I feel that the multiple phone calls, rude attitudes, and bullying tactics should be addressed quickly. I also feel that because of the mental anguish the agency and its preferred employees cause me, there should be some sort of relief on my end.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court. 
I urgently request that XXXX conducts a thorough investigation into this matter to address the FCRA violations promptly. As a consumer, I am well-versed in my rights under the FCRA, and I trust that XXXX will take the necessary measures to rectify this situation in compliance with the law.I have taken the necessary steps to report this breach of the FCRA to the Consumer Financial Protection Bureau , the Attorney Generals Office , the XXXX XXXX XXXX  XXXX and the Federal Trade Commission XXXX This escalation is aimed at ensuring comprehensive resolution and to prevent further misuse of my personal information. It is my hope that by involving these regulatory bodies, we can facilitate adherence to legal standards and protect the rights of consumers like myself. 
Your immediate attention to this matter is required. Failure to comply with the demands outlined in this letter will compel me to pursue all available legal remedies to protect my interests and ensure compliance with the FCRA. 

XXXX XXXX XXXX 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

When this erroneously showed up on my credit report, I submitted a request to have the information removed from my credit report to Experian. They, apparently, did not do their due diligence and research that this was a valid debt. They indicated " Meets requirements of the Fair Credit Reporting Act '' Although it has been pointed out to Experian, that this company has a history of scamming other consumers, they refuse to remove this from credit report ... they referred it to fraud department. As such, this company has over 124 complaints ( 13 pages ) on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many many many other victims that have had the same experience with Experian indicating that they have verified that the debt is valid, and they have not, and will not provide proof of such documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts witherroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response fromthem until this date. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$99.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 company pulled my credit score multiple times causing my score to drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Team, I was out of country when my 1 payment was Late and Wells Fargo Credit card reported a Late payment on my account and closed my account without informing me. which i found out couple of weeks Later. kindly remove my Late payment reported and open the closed account. thank you
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 

XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$320.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$140.00} ; XXXX XXXXXXXX XXXX Balance : {$43.00} XXXX XXXX XXXX XXXX**** Balance : {$120.00} ; XXXX XXXXXXXX XXXX Balance : {$460.00} ; XXXX XXXXXXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$910.00} ; XXXX  XX/XX/2022.
Product: Checking or savings account

CapitalOne has sent me this email regarding all my accounts : Weve had to close your Capital One Credit Card account account ending in XXXX for the following reason based on Capital Ones account opening and ongoing due diligence : Capital One has observed activity on a past or present Capital One account that is not consistent with anticipated account activity based on Capital Ones account opening and ongoing due diligence Please note that all future charges will be declined so you should stop using this card immediately. You should also stop any monthly automatic payments you may have set up on this account. 

All my attempts to find out the reason went south- they didn't provided me any details about their decision. My credit card transactions ( only account I had with them was only related to few XXXX purchases and couple stays in hotel and my dog 's daycare. There was NO abnosrmal transactions or any issues I had with any of my CapitaXXXXOne Accounts
Product: Student loan

I have been attempting to contact XXXX  for years for them to look into an issue with my balance. When my loan was first turned over to them I was making a monthly payment of {$42.00} which would be $ XXXX/annually. I then started making $ XXXX/Mth payments for a total of XXXX/annually. After I refused to pay them until the issue was resolved, they began calling my ex husband and giving personal information to him to collect a balance. This information was used against me in a custody battle. I have spoke to two different people within the last few years, both of whom told me there was an issue with the balance and that the payments I was making were not being deducted from the balance. I paid $ XXXX/mth for a year and they only deducted $ XXXX/annually from the balance. I was told this would be adjusted and fixed so that I could pay off the entire balance. At this point I put my account on a forbearance, since this was what I was told I had to do until the issue was resolved. I will make a one time payment XXXX  to close this account but will not make any more payments towards the current balance of XXXX. They refuse to look into this issue and return calls or emails and continue to request money. As you can see on the attached spreadsheet, the amounts never went down, they continued to increase and payments were not deducted.