23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, trustee XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX Subject : Dispute of Fraudulent Debt and Demand for Validation Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Concern, This letter serves as formal notice that I dispute the alleged debt referenced in your collection attempts, as it has not been properly validated in accordance with federal law. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX XXXX. XXXX, I exercised my right to request validation of this debt. However, to date, your agency has failed to provide sufficient evidence proving that this debt is legitimate, that I am the rightful debtor, or that your agency has the legal authority to collect it. 

Furthermore, per XXXX XXXX XXXX under the Equal Credit Opportunity Act ( XXXX ), any adverse action taken against a consumer, including credit-based collection actions, requires proper notice and justification. Your failure to validate this debt before continuing collection efforts constitutes a violation of my consumer rights. 

Pursuant to my rights under the FDCPA, I demand the following : 1. Cease and desist all collection activities related to this disputed debt until you provide full and proper validation, including but not limited to, a signed agreement or contract explicitly linking me to the alleged debt.

2. Provide documentation proving your legal authority to collect the alleged debt, including a full chain of assignment from the original creditor.

3. Immediately remove any negative reporting related to this alleged debt from my credit profile with all credit reporting agencies, as unverified debts must not be reported per federal law. 

Failure to comply with these requests constitutes willful noncompliance with federal statutes and may result in legal action against your agency. If I do not receive an adequate response within 30 days from the date of this letter, I will explore all legal remedies available to me, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Please be advised that any further communication regarding this matter must be in writing only. I expect prompt resolution and fulXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I had XXXX us dollars in a usd wallet held on coinbase. My account is 100 % verified and I have used it multiple times. Bitcoin had started to increase in price so I wanted to buy some, after reading every detail on the website Nd reading faq to make sure no delay would happen, I decided to buy in at XXXX per bitcoin. 

The website states if using credit debit or usd balance it would be instant. 
After the purchase on XX/XX/XXXX the transaction stood pending and to be deposited by end of day XX/XX/XXXX. ( Stated on website ). 
I was not upset it was n't instant at the time, but now XX/XX/XXXX and my money is still gone and no bitcoin.. Basically I have had XXXX dollars stolen from me for false promises and I have emailed over 10 times including reaching out on XXXX and have had no responses, except 2 weeks ago stating they are looking into it. 

I just want my money back, but due to multiple people having this issue, how can there website state the purchase will be instant if it can take up to a month with nothing not even in faq stating this.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX of XXXX. At the time being a single mother with XXXX young sons, one of whom was very sick I needed reliable transportation to get my son back and forth to medical appointments and I couldn't get a car loan anywhere else. The car I was driving had a rusted out frame. XXXX XXXX guaranteed car loans through Credit Acceptance so I took the loan because I had no choice. I financed approximately XXXX with Credit Acceptance Corp. Over the course of the loan I paid over XXXX. By XXXX of XXXX the car was rusting out and I traded it in. However the balance of the loan had to be rolled over into my new loan with a different company. 
What credit acceptance showed on their website as owed from month to month vs what showed as owed on my XXXX credit report never matched. The credit report always reflected less than what credit acceptance 's customer portal showed I owed. 
In addition during XXXX auto lenders were not supposed to report late payments as long as you contacted your lender and made payment arrangements. I contacted Credit Acceptance when I fell behind by two payments and made payment arrangements. They continually reported my loan as late. However, I stayed with my payment arrangement and brought my loan current. When I contacted Credit Acceptance regarding this they ignored me and failed to make corrections.

Having a loan with Credit Acceptance not only harmed my credit because of their unfair practices and failure to make corrections when the reported inaccurate information, but I believe it also cost me thousands of dollars in additional fees that were not disclosed in my original loan documents. I would like the corrections made to my credit report now and to be refunded the amounts that I was overcharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid our mortgage ON TIME for the month of XX/XX/2018. Transunion has it marked as 30 days late which is incorrect.
Product: Credit card

I entered into a contract with XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX on XX/XX/XXXX for a pool to be constructed along with a patio and pavilion. Per the contract, a final payment of {$8700.00} is due upon completion of the project. The project was never finished as the company filed for bankruptcy. I paid a total of {$7700.00} and withheld the final {$1000.00} payment until work was completed.I paid {$6700.00} on 2 different cards that I also disputed, and I was refunded by XXXX XXXX. The final {$1000.00} that I paid was on this Apple Card. I opened a dispute on XX/XX/XXXX with Apple Card after finding out that my pool was not going to be finished and that I would need to hire a new company as they were filing for bankruptcy. One of the owners of the company texted this to me after me repeatedly trying to get them to finish the job throughout XXXX. I have been trying to get this resolved numerous times with Apple Card and they will not rule in my favor and in addition, have provided zero evidence to substantiate their claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

FOR XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOR XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FOR XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

A purchase was made from a furniture store called XXXX XXXX XXXX  on or around XX/XX/XXXX of 2021 the amount approved for financing was {$3300.00} after a down payment of {$55.00} I picked up furniture the next day at which time the company sent me a text message on XX/XX/2021 stating that the payment per month would be {$640.00} plus taxes after adding this monthly payment amount up I determined that I would pay double the amount financed so I contacted Acima credit to return the merchandise they in turn had there resolutions department email stating that they could not take merchandise back but suggested several options 1. A reduced payments of {$690.00} starting XX/XX/2021 thru XX/XX/2021 or to donate the merchandise to a non-profit organization ( the non-profit organizations would not take mattresses due to covid and merchandise could not be split up ) so I took the option of the three payments the first payment was made on XX/XX/2021 when XX/XX/2021 came this amount had not been debited so around XX/XX/2021 I received an alert from my XXXX credit alert that Acima had reported the debt as thirty days late I then contacted the company at which time they stated the payment was not made and the attempted to debit my account I advised her that I lost 40 points from my credit score due to the inaccurate reporting of this action she stated that it was accurate I then stated to her that from XX/XX/XXXX to XX/XX/XXXX is not thirty days she then stated that someone would contact me from the resolutions department at which time they offered me the same payment options three payments of {$690.00} which would be 4 payments seeing that one payment had already been made or the option of donating it to a non-profit organization. Due to this company 's predatory lending practices and destroying of my credit has made my life very uncomfortable.
Product: Checking or savings account

On XX/XX/XXXX, my credit and debit cards were stolen out of my car. Within XXXX minutes of parking my car, the cards were then used to make purchases a nearby XXXX ( {$930.00} on a Wells Fargo credit card ) and XXXX XXXX ( {$500.00} on a Wells Fargo debit card ; {$2800.00} & {$2300.00} on a XXXX XXXXXXXX credit card. 

Soon after that, I noticed the fraud alerts on my phone and email, and contacted all of the card companies to cancel the stolen cards and dispute the fraudulent charges. All of the charges were credited back to me while they were investigated except for the Wells Fargo Debit transaction of {$500.00}. So I called Wells Fargo again on the following day, XX/XX/XXXX, and I manually disputing the charge on their website. I was told to wait for XXXX business days so they could review. 

On XX/XX/XXXX, I saw that the charge was still there and Wells Fargo hadn't issued a credit while they looked into the claim. So I called again to make sure they issued a credit. 

Finally by XX/XX/XXXX I received mail from Wells Fargo stating that the transaction " was authorized or that a processing error did not occur. '' So I called Wells Fargo again to appeal, and asked for the notes on the investigation. All I was told was the bank deemed " no fraud had taken place. '' I offered to give them the police report I filed, or any other evidence needed to appeal the decision. But they told me they would review the case again, and to call back in 1 to 2 business days.
Product: Checking or savings account

My experience with this bank on weekends is disappointing, questionable and curious. When I deposit funds on a weekend ( weekend as defined by this bank : Friday afternoon, Saturday, Sunday and Monday  XXXX  the credit does not hit my account until the bank settles it Monday night. But if a debit hits the account during those times the bank debits the account immediately. Specifically on   XXXX   they debited my account for a {$150.00} check. I had insufficient funds so they bounced the check and also charged me a {$36.00} overdraft fee. I was notified of this fee, etc. via an email from the bank I received on morning of  XXXX  and only finally saw when I checked my emails afternoon of  XXXX .! Also on  XXXX  about  XXXX  P.M. I made a cash withdrawal of {$70.00} from an ATM out of this account. Question #  1  : Why did they allow this withdrawal? Why was it not denied. Question #  2 :  Why did n't they wait until they settle weekend credits to also settle weekend debits?! Settling credits this way is disadvantageous to me, and allowing debits this way is advantageous to this bank. It does n't seem right to me. It seems wrong and illegal. In the past I received emails from this bank that a debit hit my account larger than my balance, and I was given a  three or four da y grace period to move funds into my account to cover the debit, and the bank did not charge me an overdraft fee. So why did the bank not send me a warning email and allow me to at least move funds into the account to cover the debit on Saturday, Sunday or Monday so that that credit would take care of the debit when the bank settles everything Monday night for the " weekend '' ( it 's even worse and a longer " weekend '' if Monday is a bank holiday ). Help. Thank you.
Product: Student loan

In XXXX of XXXX I filed CFPB complaint against Mohela due to my account being in forbearance due to a borrowers defense application I filed in XX/XX/XXXX. I had contacted them multiple times prior to filing the complaint sitting on hold for multiple hours, where I was told a request was submitted to remove it. I would get notified of the removal but then within days I would get notified of the forbearance being back on my account. It was not until I filed the CFPB complaint that they finally removed it, with resolution. 

Until XX/XX/XXXX. I made my XX/XX/XXXX auto pay and on XX/XX/XXXX received communication that my next payment would be XX/XX/XXXX. However that payment never occurred and my account showed forbearance again. I called Mohela on XX/XX/XXXX and was told my wait time was XXXX and opted for the call back. XXXX HOURS later, I get a return call. To which I then sit on hold with the rep for another XXXX minutes to be told it is due to the borrowers defense. I explain to her I never opted into this, that my application clearly states I did not opt into this and that I already fought with them a year ago to resolve. They state another request would be submitted and I can try calling again in 2 days to verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX, GA XXXX Date XX/XX/18 RE : Account : XXXX XXXX XXXX  # XXXX  To Whom It May Concerns : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt.

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency.

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.

I look forward to an uneventful resolution of this matter.

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

Subject : filing complaint on this credit bureau. 

My name is XXXX XXXX and I am writing you in regards to filing a complaint on this company. On or Around the beginning of XX/XX/2022, I disputed several accounts on my credit report to which they allegedly verified. I am in total disagreement with their investigational response because I have vigorously explain to this Company that I did not give consent for this activity. Therefore, I demanded them to remove this inaccurate information immediately to which they have yet to do. I am requesting all incorrect information be removed from my report because these inaccuracies are highly injurious to my credit rating and violates my rights under the fair credit act. Please investigate these illegal and unconstitutional actions being done to me by this company immediately!
Product: Debt collection

XXXX XXXX XXXX turned this to collections without informing me that the insurance coding is incorrect in order for my XXXX insurance to pay. XXXX, my XXXX, refused because of I sufficient coding. It would have been nice if XXXX had shared that with me so I could assist in getting a new code for XXXX to send to XXXX. Yes, you heard that right, XXXX is making me contact the doctor to tell them that they need to send XXXX a different billing code! This does not seem right but what else am I supposed to do?
Product: Debt collection

XX/XX/XXXX - Blood draw at clinic in XXXX XX/XX/XXXX - I called XXXX XXXX to request the bill for services be sent Wyoming Worker 's Compensation XXXX Wyoming Worker 's Compensation paid my claim and took their deduction as a participating provider XX/XX/XXXX - My credit score fell 58 points as a result of Wakefield and Associates adding this debt to my credit report XX/XX/XXXX - Filed a dispute, the debt was paid - the item remains on my credit report XX/XX/XXXX - Contact XXXX XXXX - no supervisor on staff, must return my call. Spoke to XXXX. 
XX/XX/XXXX - Contacted XXXX XXXX - no supervisor on staff. Must return my call. 
XX/XX/XXXX - Contacted Wakefield and Associates - stated they would remove Workers Comp charges as it is a violation of collection law. The item remains. 
XX/XX/XXXX - Wy Workers Comp contacted XXXX at XXXX XXXX. She would enter a ticket and have the item removed collections. 
XX/XX/XXXX - Spoke to XXXX. The ticket is in place but has not been worked. Still remains on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA has failed/refused to report my credit card balance which was paid down to approximately {$780.00} 30 days ago. A rapid re-score company has also contacted USAA about getting the updated balance but USAA has declined to provide a response regarding the large payment I made approximately 30 days ago. 

While the correct balance is reflected on USAA.com ( see attached ) it has not been reported to the credit reporting bureaus which still show it as {$2200.00}. I feel this is done intentionally as USAA has been contacted to do an update by the rapid re-score firm twice.
Product: Mortgage

I requested Penny Mac to remove the PMI insurance they say it has to be 78 percent the law states 80 percent we want it remove. I am current with my loan and I do qualify for the pmi to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is ridiculous I am a human like the rest of the ppl of the universe yet my no one is apparently listening to me I have rights!!! under 15 USC 1681!!!! They have violated my rights on numerous occasions alI I ask is for these accounts to be deleted immediately.According to 15 USC 1681 : I have the right to privacy and i did not give TransUnion written permission to furnish theses accounts!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC 1681 : ( 4 ) There is a need to insure that consumer reporting agencies exercise their their grave responsibilities with fairness, impartiality, and a respect for the consumers privacy. 15 USC 1681 : ( 1 ) All information in the consumer 's file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer note included in the disclosure and the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to required consumer reporting agency to disclose to a consumer any information concerning credit scores or predictors relating to the consumer. Also none of my credit report matches up in any of the three credit bureaus that i disputed about last year and its still incorrect!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 Part 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I disputed a charge with XXXX XXXXXXXX. I did not open an account. The amounts were provisionally refunded and the card was cancelled and I was issued another card. The subsequent mastercard was also charged an amount by XXXX XXXXXXXX and my account was frozen. After the banks further investigation they stated they were unable to resolve the matter in my favor and charged back my account the amounts. 

Upon further investigation I have found that MasterCard/Citi are part of a credit card updater program which allows for Merchants to automatically receive updated credit card information. My credit card info, after I stated this information was obtained via fraudlent means was given again to this creditor. My new card information is being given to a vendor that I have stated repeatedly has obtained my information via fraudulent means and I the customer is having to pay for fees associated. I need this resolved as soon as possible.
Product: Vehicle loan or lease

I totaled my vehicle around XX/XX/XXXX and I called Mercedes Benz to ask specifically since my car was totaled would I still be responsible for making payments and the answer was NO. The claim adjuster who was handling my claim on behalf of my insurance company was pregnant and had a sudden leave from work and I was not aware until there were issues being resolved regarding payment being made to Mercedes Benz. I alerted Mercedes to advise them that the paperwork they were submitting was not reaching the initial girl who was assisting with my claim and to send to another number. Paperwork was being held up by Mercedes and they placed two late payments on my great rating against my credit report. I have asked Mercedes to remove this deragatory rating because it truly dropped my score 100 points. I have always paid my account with them on time and they settled this claim in late XX/XX/XXXX. They also made me pay for the two months plus late fees in the amount of {$1900.00} ( plus ) I also had GAP coverage and I feel this was a double dip on my end causing me to pay substantially over what I should have not had to pay. Mercedes got over on me and I am not happy in the manner how they treated me as a customer. I purchased this vehicle from them and was financed through Mercedes Benz as well. I am asking for my money back and the two months of deragatory removal at once. 

XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter requesting to have these incorrect addresses removed from my credit report as they don't belong to me. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX . 
XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX