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. 

- Account number : XXXX, Account name : XXXX XXXX XXXX has violated my rights. 
- Account number : XXXX, Account name : XXXX  has violated my rights. 
- Account number : XXXX  Account XXXX : XXXX  has violated my rights. 
- Account Number : XXXX, Account name : XXXXXXXX XXXX has violated my rights - Account number : XXXX, Account name : XXXX XXXX has violated my rights - Account number : XXXX, Account name : XXXX XXXX XXXX XXXX has violated my rights I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/XXXX I received a response from XXXX XXXX  XXXX through this CFPB and contacted the number on the response. I made my first payment of {$50.00} on the {$2100.00}. on XX/XX/XXXX. 

Today, XX/XX/XXXX I got paperwork in the mail which I can not attach a copy of that changes the amount both XXXX and I agreed to to {$4600.00} plus interest plus filing fee of {$210.00}, service fee of {$62.00}, plus AFJ filing fee of {$39.00}, and am feeling threatened that if I don't agree and sign that if I don't sign I free them to take whatever action they deem necessary to collect more than what XXXX and I agreed to after I filed my complaint. IF the initial lawyer had worked with me court would not have been necessary.

When I spoke with someone I was told that Discover agreed to the {$2100.00} amount so the lawyers in XXXX  PA are not representing their client correctly Paperwork attached below.
This is causing me unnecessary mental and emotional distress especially since I tried to resolve this account XX/XX/XXXX but was unable to. I was left with a very strong impression that Discover would not allow them to work with me - I told them I could not afford {$290.00} a month then. I feel I am being harassed.
Product: Debt collection

[ XX/XX/year> GM FINANCIAL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX *****SENT VIA CERTIFIED XXXXIL*** RE : VALIDATION OF ACCOUNT Account # : [ XXXX ] To Whom It XXXX Concern, I neither affirm, nor deny this purported debt. You claim I owe your company [ {$1400.00} ]. 

This letter is being sent to you in response to an entry made on my Credit Report dated open ( XXXX XXXX ). Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed? 

I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the Consumer Financial Protection Bureau ( CFPB ), and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 
In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. 
. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX # XXXX, account name : XXXX XXXX XXXX  XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX,, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX card # XXXX, Account name XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX account name XXXX XXXX  XXXX # XXXX, account name : XXXX XXXX XXXX # XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Payday loan, title loan, or personal loan

Speedy Cash has failed to validate what their alleging to be a debt owed yet someone at speedy cash has implemented measures to harass me by phone with calling and text messages which violates XXXX XXXX communications in connection with debt collection which is fraudulent in itself because theres no such thing as debt, subsection XXXX harassing, oppressive, or abusive conduct, subsection XXXX unfair or unconscionable means and subsection XXXX. XXXX false, deception, or misleading representations or means.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have done many disputing items with these companies they are not investigating the items at all they are only letting you creditors send them payment history and leaving it on the credit report I have XXXX late payments on my credit report and have had a payment plan with the companies I was told they will delete the late payments when payment was made I was told something different Im trying to get my life together and when I called these companies they was rude I got hung up on and it not fair as people we are control by a computer and can make your life so that you can live in this world
Product: Credit reporting or other personal consumer reports

I checked my credit report on XX/XX/XXXX and noticed that Navy Federal Credit Union reported 2 Hard Inquiries on my credit report. The first on XXXX XXXXXXXX XXXX XXXX XXXX and XXXXXXXX XXXX in which I was reporting fraudulent activity on both my debit card and Credit Card. I have spoke with XXXX a Navy Federal representative and in Loan Department XXXX on this day of XX/XX/XXXX with both parties saying that they couldn't find where applications we're pulled. This is hurting my credit report rating and violating my FCRA rights. I also filed a FTC REPORT about these hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to ALDOUS. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15U.S.C 1681 section 604 A Section 2.
Product: Credit card or prepaid card

I am writing to dispute a billing error in the amount of {$31.00} on my Capital One Walmart account. The amount is inaccurate because I was enrolled in the automatic payment plan. I am requesting that the error be corrected, that these finance and interest charges related to the disputed amount be credited, and that I receive an accurate statement. 
This matter involved my Walmart Capital one credit card. In XX/XX/XXXX, I was enrolled in paperless billing without my consent. As a result, my account went past due and I was charged a late fee and interest. These were later credited and I disenrolled from paperless billing. On or about XX/XX/XXXX, I spent over 2.5 hours on the phone with Capital One representatives after my account went past due again because I never received a bill from Capital One. After much frustration and to prevent future past due events, I enrolled in paperless billing and automatic payment. To my utter shock, reviewing the XX/XX/XXXX statement I see my account is past due again. I contacted customer service on XX/XX/XXXX and they showed no record of me ever calling in XX/XX/XXXX. During that call, the representative asked for my bank account information and seemed to be based in an overseas call center. This is very concerning.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I went into Wells Fargo Bank branch # XXXX to initiate a wire transfer for {$1200.00} I arrived at the bank, all the employees were with other customers, so I waited patiently. The manager of this branch came out from behind a closed door and offered to help, but when he found out what I needed, he stated that he doesn't do wires that often, but that he would help me. I stated that I didn't mind waiting for another employee to become available, but he insisted. The manager asked me how much I wanted to send, I stated {$1200.00}. The manager repeated the amount of {$1200.00}, but then stated that he needed to get someone to approve the wire transfer. Once the person approved the transfer, The manager asked me to verify that the account number for the receiving party was correct. He then completed the transaction and the manager handed the receipt to me. The manager NEVER asked me to verify the amount. After I returned home for the evening, handed my fianc the Wire Transfer receipt, that's when she noticed that {$12000.00} was sent!!!! Not {$1200.00}. 

The following day, my fianc and i went to the branch to talk to the manager and get this wire fixed and the correct amount sent. The manager stated in front my fianc, another bank employee and me, that he sent $ XXXXMy fianc then showed the manager the wire transfer receipt. When the manager looked at the receipt and all he said was " No I sent {$1200.00} just like you said '' and once he realized the amount the manager then stated " that's my bad!! I assumed when you said this was for a loan closing, this was for a house '' and then ran off behind the door, a closed door that my fiance and I observed other employees exit and enter the bank 's main floor. The other bank employee then contacted their wire department to see if the wire can be recalled. My fiance and I was told that it could be anywhere from 1 to 6 weeks to get this resolved. I tried calling customer service to get updates, but was told that we needed to go to the bank to get an update. 

After returning to the bank the following Monday, My fiance and I were told that the receiving bank ( XXXX XXXX  ) where the wire was sent, acknowledged the recall, but that they needed to do their own investigation. In the meantime, I reached out to the receiving party, and they acknowledged that too much was sent, and that they were gon na send the overpayment back, but has since stopped all communication with me We were just told on Thursday that the receiving Bank declined the recall, this is why I am reaching out to you to get this matter resolved as soon as possible.
Product: Checking or savings account

Today on XX/XX/2023 i made a call to XXXX  XXXX about payments being returned, they advised me this was on citizens banks end, called them they stated everything looks fine on their end, call back XXXX  XXXX and received help from a representative for over an hour calling citizens with her to get my issue resolved, we were then informed by the citizens supervisor we were transferred to that due to a {$50.00} claim i put in during the citizens glitch that happened where multiple charges were duplicated, which some were not resolved resulting in me making a few claims with citizens for. Due to having this claim, it was stated that citizens had a stop payment with XXXX  XXXX making all my previous payments all be returned as far back as XX/XX/XXXX from what i can see. My credit score has now gone down, and my credit cards are now over balance due to this glitch with citizens bank and now not being allowed to make my XXXX XXXX credit card payments. I am extremely unhappy with how citizens has handled this issue, as i was advised i have to write a letter to their ACH claims operations to have this fixed. But that doesnt fix the damages that have been done, i now am unable to get a rental car with my credit card after a hit and run accident due to citizens actions in this.
Product: Mortgage

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX, IA XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX ; This is XXXX XXXX 's response to following SPS compliant responses : Based on the generic quality of the SPS responses I assume the following : Attached is my most recent SPS mortgage statement. 

Please note that the escrow exceeds P & I, which is an uneconomic position that I have carried for 11 years. 

Please not that I did not get a principal reduction from XXXX at the point of my XX/XX/XXXX modification. This would have brought be great relief. 

XXXX substituted the principal reduction with a {$140000.00} Deferral. A reduction would have opened refinance options and reverse mortgage My monthly payment after the XXXX modification is higher that my payment prior to modification. 

Today I am seeking a short sale or a long-term principal reduction because I can no longer afford the payments since I am a XXXX XXXX. 

SPS is not interested or willing to investigate and negotiate with me. 
All of my savings are in this home. 

Another interest point in the amortization and home payment history. 
My principal balance remains equivalent to the origination principal after 11 years and paying off XXXX mortgages. 


SPS consistently avoids the Fraud Challenges of the original Mortgage and modification. I would encourage CFPB to instruct SPS to contact and work with the originator and modifiers Sincerely, XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account Numbers XXXX. XXXX XXXX ( Account Number : XXXX ) Date : XX/XX/2020 2. US DEPT OF EDXXXX ( Account Number : XXXX ) Date : XXXX XXXX XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) Date : XXXX XXXX XXXXXXXX XXXX XXXX ( Account Number : XXXX ) Date : XXXX XXXX XXXXXXXX XXXX ( Account XXXX ) Date : XXXX XXXX XXXX XXXX XXXX ( Account XXXX ) Date XXXX XXXX XXXX XXXX XXXX XXXX ( Account XXXX ) Date : XXXX XXXX XXXX XXXX XXXX ( Account Number : ( XXXX ) Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date : XXXX XXXX ) XXXX. XXXX XXXX XXXX ( Date : XXXX XXXX ) XXXX XXXX XXXX  XXXX  ( Date : XXXX XXXX ) XXXXXXXX XXXX XXXX ( Date : XXXX ) XXXX. XXXX XXXX XXXX ( Date : XXXX XXXX ) XXXXXXXX XXXX XXXX ( Date : XXXX XXXX ) XXXX XXXX  ( Date : XXXX XXXX ) XXXX XXXX  ( Date : XXXX XXXX ) XXXX XXXX XXXX ( Date : XXXX XXXX XXXX XXXX XXXX  XXXX ( Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date : 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: Debt collection

Upon a first notice from Portfolio Recovery I immediately sent a letter disputing the validity of the debt asking for proof within 30 days of the notice which is my right under the FDCPA. The company did not sent any further information to me and continued to ask me to pay for this proposed debt. I followed up with 3 other letters and 2 emails to them and this started back in XX/XX/2021. XX/XX/2021 they reported that this was bad debt on my credit bureau stating DISPUTED RESOLVED- CUSTOMER DISAGREES. 

This statement is false and disparaging and is highly suggestive that I was in receipt of the proof this was my account. I called the company again today and I was not able to get anyone to resolve this and I need help as they are in violation and I have proof of all my correspondence to them asking for proof and they in turn did not send anything but dunning notices. 

See attached all my letters sent back to them and not including emails to them since XX/XX/2021.
Product: Debt collection

My wife and I received a notice from XXXX XXXX who is a debt collection attorney for medshield. They filed a lawsuit claiming they exhausted collection efforts yet never received any voicemails nor is the debt reported to the credit bureaus. This debt is from over 7 years ago. I submitted a written statement indicating several hardships and offered an immediate settlement offer for a majority of the bill. My sister is XXXX XXXX which we are assisting financially as well as watching our niece a good portion of time and incurring additional costs. We also have large amount of medical debt due to 7 rounds of XXXX totaling over 150k. In my letter I requested a counter settlement if mine wasnt accepted. I was told the settlement was denied and no counter offer. During at least one call I was never notified the call was recorded. Did some research and this guy is suing people for 15-20 year old debt when the brr was a juvenile ... how is this consumer friendly? My sister has many expenses and bills we help with including very expensive medicines. I ended up being forced to pay XXXX  in fees on a XXXX debt or be sued? No consideration for our situation. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance : - XXXX XXXX XXXX XXXX XXXX : {$14000.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Payday loan, title loan, or personal loan

I had a Loan through Moneylion that went XXXX of XXXX till XXXX of XXXX. The loan was reported closed and paid in XXXX of XXXX to all credit bureaus and I opened another small loan with Moneylion. In XXXX of XXXX. Last week I keep getting reports that I was a payment behind on my loan despite being on time and accurate with the loan. When I asked moneylion what the issue was the claim that I missed a payment in XXXX of XXXX on the past loan and that is what was causing the issues. I informed moneylion that it is almost a full year later. I have opened another loan, The loan is closed and reported as paid and have had no issues. They claim the amount was returned and they never received full payment now. Although it show that I paid them 25 payments of {$19.00} totaling around {$490.00}. I informed them that I would pay the {$4.00} missing but I would not pay any interest on a closed loan that they created error on for almost a year. Moneylion is now hold other service including use of banking service until I pay them the {$19.00} on the closed loan. Attached you will see my credit report showing the loan paid reported as paid on time and closed.