23daVinci/CFPB_Complaints huggingface dataset:
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 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  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: Mortgage

I am the victim of a financial fraud/scam. The perpetrator is now in prison. However, I am having issues, trying to resolve the financial fallout, with my bank ( Wells Fargo ) and Title Insurance Company ( XXXX XXXX ). I purchased an investment property that has a clouded title, but my title insurance company will not provide me with full coverage ( full legal defense ). In addition, Wells Fargo appears unwilling to work with me to unravel the financial damage of this fraud/scam I was a victim of. Please let me know if there is anything you can do to help me work through these issues with the bank and the title insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX and multiple banks like XXXX 's score powered by XXXX XXXX  XXXX XXXX XXXX all say i have scores in the XXXX to XXXX for years. I paid XXXX XXXX on time payments since I was a XXXX XXXX XXXX kid and paid XXXX XXXX on time for over a decade as XXXX brought up in a low income minority. My credit use is XXXX % now. i took pics that show a bit higher but still in the green. XXXX derogatory marks, over XXXX accounts, and only XXXX hard inquiry from like XXXX  years ago. and XXXX  year average which is only XXXX XXXX of your score. I took pictures of mine and my friends who has a similar credit score. XXXX vs my XXXX. He has XXXX XXXX payment history over XXXX late payments. a XXXX XXXX is lowest red. He got XXXX XXXX XXXX  XXXX  card usage vs my XXXX XXXX. a {$2000.00} credit limit vs my near {$50000.00}. only XXXX accounts vs my XXXX. My score was this low for years. His was about this as well for a year or so. If I buy a house for my future wife and kids, I will be charged an extra XXXX XXXX in interest. It feels discriminatory that I get this score reported on multiple banks and XXXX XXXX while having XXXX XXXX  marks for finance for over a decade since I was a kid always paying everything off on the due date. While an irresponsible rich person with over XXXX late payments and over XXXX XXXX usage has the same score I do. I tried contacting the bureaus but they never pick up. And say to use the mail. Another friends i took pictures of. I'll even record all of it if you want. XXXX XXXX XXXX hard inquiries XXXX greens, XXXX yellows has almost XXXX SCORE! I have XXXX greens, and XXXX partial red XXXX  year average only XXXX XXXX of total score. I used to compare with others at university to see many of my professors grading boys far harder than girls which is discrimination. There are many cases of banks discriminating against minorities all over the internet. I really hope that's not the case and the computer just acting funky. I would really like an explanation to what is happening. It's not necessary, but if I can get a fair credit score again using the XXXX XXXX XXXX XXXX formulas I should be easily over XXXX especially if a XXXX XXXX history with XXXX hard inquiries can get people an XXXX. I am just looking out for my future wife and kids, and these horrendous interest rate and hopefully fairness. I have no ill will or blame against anyone and I realize humans and computers make mistakes. Please fix my score to make my family 's life easier.
Product: Money transfer, virtual currency, or money service

I thought I was placing an order through a viable website. When I clicked to order, the site, XXXX, defaulted my payment to Zelle. I was expecting to pay through XXXX but, I had Zelle at my bank so I thought I would be protected. They texted me right away with their " cashier 's '' email address to send the money to through Zelle. I had never used Zelle previously but, since it was through my bank I thought it was secure. I did waver for a moment when the email address was a gmail account but, I had gotten a text and order confirmation right away so I thought it was good. I sent the payment of {$270.00} on XX/XX/21 through Zelle to XXXX. I waited a few days and when I didn't get any shipping info, I started to get worried. So I texted back to the text I received for payment and they were " looking into it ''. They asked for confirmation of the payment again which I had already emailed over. I confirmed that via text. Then the communication stopped. They claim online you can cancel an order that hasn't shipped. I've tried that through the site, through email and through text. I got a rep in their online chat to confirm that they had received my request to cancel but, no refund. I've received no product, and no communication and I don't believe I ever will again. Their " business '' email is XXXX. I called the phone number associated with their firearms license and confirmed with the actual owner of that number that it had been stolen from him. He's been contacted many times by other buyers who tracked him down from his FFL number and he confirmed that I had been scammed, he is in no way affiliated with this website. I shared all of this with my bank, XXXX XXXX  XXXX, who initiated a claim on my behalf. They've just confirmed though that they will not refund my money as no error happened on their end, they initiated the transfer. I've also reported the site to the FBI and filed a claim with Zelle. There should be some sort of notification when you're transferring funds that there's no protection. I thought that my bank would protect me when I reported wrongdoing. Ha, nope, no such thing.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Debt collection

XXXX and Complaint against XXXX, Resurgent Acquisition, LLC, LVNV Funding, LLC and Resurgent Capital Services LLC On XX/XX/XXXX XXXX XXXX  submitted a computer-generated respond to my injury regarding illegal collection of not validated " debt '' where XXXX posed as " original creditor '' for account ending XXXX and LVNV Funding, LLC posed as a current " creditor '' According to XXXX, my alleged loan was originated on XX/XX/XXXX, but XXXX was not able to provide me a copy of my Agreement to pay them, as recorded on their books and records. I demand XXXX to disclose if the loan account receivable was created for my transaction and my payments were deposited on this account receivable, along with a copy of the ledger for this account receivable to verify my payments. Billing statements are not the ledger and are coming from undisclosed to me XXXX XXXX. 

Furthermore, XXXX said that my alleged " loan '' was sold to Resurgent Acquisitions, LLC. I demand XXXX to disclose when my loan was sold to Resurgent, where this transaction took place, the names of individuals who conducted this sale ; and proof of payment for my loan received by XXXX, such as copy of wire transfer receipt, ACH or cancelled check. 

I demand Resurgent Acquisitions, LLC provide me proof of payment made for my loan, sch as copy of wire transfer receipt, ACH or cancelled check, and the name of an individual officer of Resurgent who facilitated this purchase, when and where. I further demand a copy of the account receivable ledger for my alleged loan from Resurgent Acquisitions On XX/XX/XXXX Resurgent Capital Services, LP submitted computer-generated respond where they claimed that the current owner of my alleged loan is LVNV Funding, LLC and Resurgent Capital Services , LP is the Servicer of the Account. 

This respond contradicts with XXXX 's letter where XXXX said that my loan was sold to Resurgent Acquisitions, LLC., not to LVNV Funding, LLC. 

Its unclear to me how LVNV became my creditor and whose account is serviced by Resurgent Capital Services, LP I demand LVNV to provide me validation how LVNV became my Creditor ( and never informed me about it ), and documents in support of their right to file a Claim in my bankruptcy case to collect from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When trying to check credit reports through XXXX.com, XXXX and XXXX worked fine, but Equifax immediately popped up an error message that says online delivery is unavailable, and the report has to be requested by snail mail, with copies of a bunch of documentation of social security number, ID, etc. Obviously, this, coupled with them eventually sending a copy of the credit report through the mail would be incredibly risky, and it is poor practice for them even to suggest people do this, much less require it. It also did not even ask any of the identity verification questions - immediately when it switched from XXXX to Equifax, this is what popped up, so it was not an issue with anything entered incorrectly or anything like that - presumably, this would have happened to anyone trying to access their credit report. A quick search indicates this is a common problem consumers encounter with Equifax, and that it has been going on for a very long time.
Product: Debt collection

With reference to my XXXX XXXX 2016 Case Number XXXX with this consumer agency. 
Why is XXXX being allow to send this open case to a collection agency and continue to harass me with emails and unregistered phone calls while not providing a proper response to this CFPB claim? ( I now have reason to believe that XXXX has filed a negative credit report with XXXX ) XXXX.
Product: Student loan

Navient reported on my credit report that I was 90 days late even though Im under a forebearance and I applied for that forbearance months ago. Can you tell them to take that off of my credit report as I am currently trying to apply for work and when they run my credit they will see that. I can not get a job and pay back if that is on my credit report. Even if its a one time exception I still need that off my credit report. There are multiple remarks. I just attached one
Product: Debt collection

Received notification that TrueAccord has a collection account on my credit profile. This company has not provided any information to confirm the debt is owed by me. This company is in violation of the FCRA reporting standards.
Product: Checking or savings account

I've requested that the information is inaccurate and I would like for it to be removed from the system
Product: Mortgage

Hello You people helped me the last ... dealing with Wells Fargo ... where they added taxes to my mortgage ... the first payment to them was {$860.00} from XXXX XXXX ... so these people tacked on another {$50.00} on to my mortgage ... for four months ... paying a mortgage payment to these people ... where they said it was taxes ... I'm a XXXX ... XXXX XXXX XXXX.. 
These people when I complained about my payment ... oh XXXX XXXX there was an over payment of my escrow ... which they are lying ... had I said nothing, they would have kept the money ... Mr. XXXX ... this is your lucky day ... you have money coming to you ... they sent me a check ... .and paperwork ... but as I said ... show me what you did with my money for {$50.00}? for four months..taxes.. I went to that website..still have me at XXXX ..they cook the books to make it look good and where is the government? don't steal from me ... 
take it from the rich ... 
You want the paperwork that they sent me? They still don't have it right ... this started from XX/XX/XXXX to the present.. 
They owe me for four months..and I went to see if they changed my mortgage payment ... and they haven't ... 
So what do I do? Not pay them, where they will be foreclosing on my house?
Product: Checking or savings account

BBVA promised a {$200.00} rebate if for a new account when receiving direct deposit into the account. I complied and had several direct deposit payments in the account an after six months, I never received the money promised.
Product: Debt collection

These debt collectors have not provided me proper debt verification/validation for the alleged debt. Please delete all collections from my credit reports from XXXX, XXXX, & XXXX. 

XXXX Collections XXXX XXXX XXXX, DATE OPENED XX/XX/XXXX, BALANCE {$730.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, BALANCE {$540.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, BALANCE {$5200.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, BALANCE {$790.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1000.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$740.00} XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX BALANCE {$480.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$360.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX {$1000.00} XXXXXXXX XXXX  XXXX XXXX XXXX, DATE OPENED XX/XX/XXXX, BALANCE {$730.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, BALANCE {$540.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, BALANCE {$5200.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, BALANCE {$790.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1000.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$740.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$480.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$360.00} - XXXX XXXX XXXX DATE OPENED XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX, DATE OPENED XX/XX/XXXX, BALANCE {$730.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, BALANCE {$540.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, BALANCE {$5200.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, BALANCE {$790.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1000.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$740.00} XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX BALANCE {$480.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$360.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX {$1000.00} XXXX DATE OPENED XX/XX/XXXX BALANCE {$1100.00} XXXX DATE OPENED XX/XX/XXXX BALANCE {$670.00}
Product: Credit reporting or other personal consumer reports

Re : Debt Dispute - Violation of 15 U.S.C. 1692c XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX Accounts XXXX XXXX / Account number XXXX XX/XX/XXXX/ Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX I am writing to formally dispute the debt listed under the account numbers listed above, that you are attempting to collect on. Under 15 U.S.C. 1692c, the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you cease and desist from communicating with me about this alleged debt via any means, including but not limited to phone calls, mail, or electronic communication.

I believe this debt may be inaccurate or otherwise not mine, and I request verification of the debt, including documentation proving that I owe the debt and the correct amount, as outlined in 15 U.S.C. 1692g ( a ).

Additionally, under 15 U.S.C. 1692c ( c ), once a consumer has notified a debt collector in writing to cease communication, they are prohibited from continuing to contact the consumer, except under specific circumstances. Therefore, I expect no further communications from you unless you are providing me with the required verification documents as requested. 



Please note that if you do not comply with these regulations or continue to attempt to collect on this debt without providing verification, I will consider pursuing further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General office. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  I received a bill from XXXX XXXX XXXX XX/XX/2021 and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I requested that they allow me to validate the alleged debt. I am not aware that there is a debt from first post collections and I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
Product: Credit reporting or other personal consumer reports

This is my final notice before I pursue litigation against the consumer reporting agencies for multiple violations of my federal protected consumer rights. Please find attached the proof of claim that transactions and experiences were reported on my consumer report which is a violation because pursuant to 15 USC 1681a ( d ) 2 ( a ) ( i ) they are excluded from the report, subject to section 1681s-3. Despite multiple letters and disputes, the CRA 's continue to commit identity theft and fraud under federal law and fail to block the identified transactions pursuant 15 USC 1681c-2 ( a ). The unverifiable items listed on my consumer file are in complete violation because I never gave written consent which violates permissible purpose of consumer reports pursuant 15 USC 1681b ; And the fact that the furnished inaccurate accounts still remains on my consumer file violates 15 USC 1681e ( b ). The continued willful and negligent noncompliance has escalated my pursuit for justice and entitled declaratory relief sought from a higher court pursuant 15 USC 1681n and 15 USC 1681o. Again, the multiple violations that has occurred prompts me to exercise my right under the FCRA to OPT out of reporting on my report.

Please see attached supporting documents
Product: Checking or savings account

WellsFargo promised XXXX $ for new acct bonus- they confirmed that all requirements but not paying the bonus by giving 12 month opening requirement which is not mentioned in account opening offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, natural person have attached my FTC report, IDENTIFICATION, I AM DISPUTING ON MY OWN, NO ONE IS HELPING ME IN light of recent investigation brought upon Equifax, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. both stated accounts were removed from equifax so please tell me how you verified this information to be accurate