23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please be advised that as of XX/XX/2023, as listed on my most recently reviewed consumer report, there are unverified accounts listed. I have received mail from various companies seeking to collect an alleged debt on behalf of another company. I have never heard of nor done any business affiliation with them. I've requested VALIDATION of debt but instead, I have received Verification of the debt. It has become increasing clear that they are being willfully negligent in rectifying my affairs. I have contacted them numerous of times the problem has not resolved. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Here is what the law states about investigations : 623. ( b ) Duties of furnishers of information upon notice of dispute.

( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and which compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly : ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. 

As a reference, please see the below accounts in question that must be REMOVE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card with account number XXXX was deleted from my Experian credit report and then put back on which is a violation of the FCRA since I was not notified 5 days in advance. Also, the Date last active and the date of last payment is incorrect on all three credit bureaus. So is the payment history. I disputed this account and it was verified. How can that be when it is inaccurate across the board?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested all three credit reporting bureaus for the dispute on my credit reports. I have a mixed credit report with my brother so I sent all documents needed for the dispute. It has been more than three months since I submitted the request via mail. XXXX already made an dispute but I have not heard anything from Equifax and XXXX.
Product: Mortgage

The company tried to get me to change my deductible on my XXXX hazard insurance policy to meet their policies and threatened to put their own additional insurance on my property at a cost to me. I emailed them, as I had already had this issue with them in XX/XX/2021 and had to go to the CFPB to get it stopped and resolved but they are sending me a letter again and when I called it out to them that it was resolved came back and said it was not an error. So I just sent another email explaining the same thing. One, they purchased the loan with this deductible and if it did not meet their requirements they should have not purchased the loan. Two, the company paid a water claim on the property prior to my purchase so required a higher deductible. Three, I have a multi-policy discount so it would cost me more money to go with another company. If they purchase this loan with this deductible, then I should not be forced to pay more money or have an additional coverage forced on me at my cost. I have not changed any terms of my loan since inception so there would be no change in these terms either.
Product: Credit reporting or other personal consumer reports

Subject : URGENT DEMAND FOR IMMEDIATE CORRECTION OF CREDIT REPORT INACCURACIES Dear Sir/Madam , This letter serves as a formal demand for the immediate correction of inaccurate and outdated personal information appearing on my credit report with XXXX, TransUnion, and XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are legally required to investigate and correct any errors without delay. Failure to comply may result in legal action. 

Upon review of my credit report, I have identified several discrepancies that must be corrected immediately to reflect the accurate details as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX. XXXX XXXX XXXX Date of Birth ( XXXX ) : XX/XX/year> Additionally, the following reporting inaccuracies require correction without delay : Open dates Last reported dates Comments Date last active Date of last payment Payment History I have enclosed supporting documentation that verifies these inaccuracies. Per FCRA regulations, you are required to conduct a proper investigation within 30 days and correct these errors. If this matter is not resolved promptly, I will have no choice but to escalate this issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Furthermore, I demand written confirmation once the corrections have been made and require assurance that the corrected information is updated across all creditors and data furnishers who have received the erroneous data.
Product: Credit reporting or other personal consumer reports

I am writing to report a violation of U.S. Code 6802 involving account number XXXX, under the label XXXXFORTIVA XXXX. This account, originating on XX/XX/2021, is associated with the address XXXX XXXX XXXX, XXXX, GA XXXX. 

Despite mailing a certified notice requesting my Disclosure in accordance with 15 USC 6802 ( b ), I have not received the mandated disclosures as per federal law. The law explicitly mandates that financial institutions must provide consumers with three disclosures before disclosing any non-public personal information. This is to allow consumers the opportunity to opt out of such disclosures. 

XXXX has knowingly and fraudulently withheld critical information, manipulating the situation to their benefit. This has led to unlawful reporting of my non-public personal information to non-affiliated third-party entities, against my will and rights. This situation has caused inequity for me, my family, and my household. 

I hereby invoke my specified remedy as permitted by law, which was denied by XXXX 's withholding of disclosures, pursuant to 15 USC 6802 ( b ).

Immediate action is requested to address this violation and ensure resolution.
Product: Credit reporting or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see documentation attached. I have tried to get this dispute solved/corrected and remedied. The company, XXXX XXXX XXXX XXXX XXXX, has ignored my efforts and left me with uncertainty and confusion. This is causing hardship to me and my ability to obtain credit because of their consistent reporting/furnishing of negative information to my credit reports ( XXXX, Transunion, XXXX XXXX ). I am giving the company an opportunity to cure and remedy this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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
Product: Debt collection

On XX/XX/2021 I sent a letter to DIVERSIFIED ADJUSTMENT SERVICE, INC. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Product: Debt collection

I have been harassed by and on behalf on World Acceptance Corporation every 2-3 years for nearly 6 years. The account associated with World Acceptance Corporation was a result of Identity Theft and I have tried to resolve this matter on several occasions since XXXX. 

In XXXX, I sent World Acceptance Corporation a copy of the police report and Identity Theft Affidavit as a resolution. No actions were taken by World Acceptance Corporation, neither did I ever receive an acknowledgment of their acceptance of my correspondence. 

On XX/XX/XXXX, I escalated this issue and I filed a complaint with the Consumer Financial Protection Bureau against World Acceptance Corporation. At that time, the Compliance Manager of World Acceptance Corporation, XXXX XXXX, verified that the account was indeed fraud and that it would be removed from my credit report in 30 days. 

On XX/XX/XXXX, I received a disturbing phone call from XXXX XXXX XXXX stating that they were calling to collect a debt on behalf of World Acceptance Corporation. 

On XX/XX/XXXX, I received yet another phone call from a debt collection agency, XXXX, attempting to collect a debt on behalf of World Acceptance Corporation. 

Per the Fair Debt Collection Practice Act, the harassment Ive continuously received is in violation and I am seeking financial compensation.
Product: Bank account or service

Due to the way Paypal manages their accounts it 's not entirely clear which country your Paypal account is tied to. In my case my original Paypal account was not tied to the US and when I received funds ( ~ {$1600.00} ) into this account I could n't withdraw them without having to pay a transaction fee of about {$65.00}. When I contacted Paypal I was advised to transfer these funds to my US based Paypal account after which the transaction fee would be reimbursed. 

After making this transaction Paypal refused to reimburse the transaction fee and after talking to a handful of Paypal representatives and not getting anywhere I decided to file a complaint with my credit card company as I used my credit card to pay for this transaction. 

My credit card company ( XXXX XXXX ) was able to get my transaction fee back from Paypal but as a result the funds I originally transferred were nowhere to be found. XXXX XXXX only received the {$65.00} transaction fee while Paypal 's official description of these funds is that they were in " limbo '' ( I have an audio recording of a Paypal representative stating this ). 

My Paypal account however shows my current balance to be in the negative for this exact amount so I am personally on the hook for Paypal 's systems losing this money. After talking to Paypal for at least a dozen times I have n't been able to get this resolved. To make matters worse, Paypal has now given this account to a debt collector for follow up. 

I am not sure what to do here as I have n't been able to find somebody at Paypal who is willing to accept responsibility and take the time to resolve this in the right manner.
Product: Credit reporting or other personal consumer reports

The first incident is XXXX XXXX  they say I have a balance of XXXX. Ive never had XXXX XXXX  in my life. The state that I live in. doesnt even have XXXX as a provider I filed a police report. Ive submitted it to XXXX XXXX  and they still have not removed this off of my credit report. 

The second is the inquiries after XXXX  on my credit that are from home loans auto loans I have not applied for a loan so whoever is applying for the loans in the credit it is not me and Ive contacted the companies and I believe my information was sold or scammed becausethat is not me And third, I was scammed by XXXX XXXX XXXX that faked to be a different company that Ive signed a contract for for {$800.00}. This new company came and took the vehicle without contract and tried to charge money. I have no contract with this company no ties to this company. XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$800.00} XX/XX/XXXX at XXXXXXXX XXXX This is the guy that scammed me
Product: Checking or savings account

I applied for membership for USAA based on the eligibility that my father is a military vet with an honorable discharge. I have been met with excuse and hurdle after hurdle, with no one being able to tell me what is wrong with my account and why I can not access Usaa.com. I keep being told my account is restricted and i went through a rigorous verification process, being asked over ten questions. I was able to successfully verify my identity but still my account is restricted and they can not tell me why.
Product: Checking or savings account

On XXXX XXXX, 2025, I got an email saying there was suspicious activity on my account and that our account would be closed and all stocks sold. I was overseas so had not seen this email. 

On XXXX XXXX, 2025, all the stocks were sold and we later realized this and sent an email to them to ask why our account was restricted/being closed and received only cookie cutter responses over the next XXXX days and were told that the money would be sent back to our bank in XXXX  days. 

The amount that is currently in the account after the sale of stocks is XXXX. These funds are used for investment so we would take a big hit if these funds are locked for XXXX  months.
Product: Checking or savings account

Truest keep sending statement that an account dont exist and I dont even know the company and they keep sending monthly statements which I dont recognized and just ignored it On this last statement thry are collecting money already.
Product: Debt collection

I want to stress that I did not give written permission for these specific transactions to be included in my XXXX XXXX. At no point did I authorize these entries, and their presence on my XXXX is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my XXXX immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of mXXXX XXXX XXXX, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my XXXX as soon as possible. Thank you for your prompt attention to this issue.
Product: Money transfer, virtual currency, or money service

Sent money to a person for a dryer, dryer then broke asked for money back Zelle then stated no we can not.
Product: Debt collection

I was about to apply to rent a new home, and I noticed a new collection on my credit report ( I have XXXX  XXXX with XXXX XXXX, so I check it monthly since it is free ). I didn't recognize the amount, so I called the company Monday ( XX/XX/XXXX ) to find out who they were and what this bill was for. I have a medical debt from XXXX of XXXX that was sold to Phoenix Financial Services in XXXX of XXXX. They have re-aged this debt ; it should come off of my credit this XXXX, but the representative told me that it will now show up on my credit until XXXX of XXXX unless I pay them. I believe this is a violation of FCRA 623 ( a ) ( 5 ) ( A ). I do not have the name of the man I spoke with, but the number to the company is ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Just to give some base information : Our home Mortgage is through Mr. Cooper which is a brand name for Nationstar Mortgage LLC. XXXX is who are bills are addressed from which is subserviced by Mr.Cooper. For several months we have had issues with the payments being applied incorrectly to the account. The issue continues to happen even as recently as XX/XX/2024. Our credit report pulled today shows issues with XXXX and XXXX payment. I called and spoke with XXXX at Mr. Cooper sharing our confusion and concern. I explained we have set up auto pay and our bank is showing the money was sent. She also confirmed she showed our payments current and the XXXX was received on XX/XX/2024. I will also attach a statement showing XXXX payment on XX/XX/2024 and the movement of funds at XXXX. It also shows the removal of a late fee due to the payment being applied to the account incorrectly.
Product: Credit reporting or other personal consumer reports

Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX Which was open on XX/XX/XXXX for the amount of {$950.00} XXXX XXXX which was open on XX/XX/XXXX for the amount of {$1300.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$900.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$980.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$2000.00} XXXX XXXX which was open on XX/XX/XXXX for the amount of {$19000.00} XXXX which was open on XX/XX/XXXX for the amount of {$5400.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$210.00} XXXX XXXX  which was open on XX/XX/XXXX for the amount of {$150.00} XXXX which was open on XX/XX/XXXX for the amount of {$140.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$1400.00} 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 an account without my written instructions in fair resolution.
Product: Credit reporting or other personal consumer reports

Upon previous submission for previous complaint illegally reported information was requested to be removed from my credit report. Upon request a few requested items where remove upon illegally being reported. However due to the illegally reported items being on my report and the right to opt out 15 usc 6802 not being honored and allowing companies to take a peak at my credit report while the illegally reporting items where reporting I suffered a great deal. I request that {$1000.00} be compensation for each individual inquire that was removed as well as negative impacting Items that were removed. I believe I should be compensated for punitive damages it is because of the illegally reported items that for several years I was unable up obtain a car, purchase a house, get the a credit card approval, a loan or rental stay
Product: Bank account or service

Please find the email I sent to BOA re : them overdrafting my account by double debiting a BANK check. Not only was I NEVER able to reach a live person on the phone ( after two 25+ minute hold times ), I sent the below email to them only to have them respond to me that they no longer accept such emails and directed me back to their Online chat, or call center. They are the worst ( though they 're likely in good company with other massive banks ). 

Dear Bank of America/client retention : You have your work cut out for you today. I 've had enough. Enough of your poorly facilitated transactions, poorer customer service, and lack of any kind of reliable feedback. I 've been a BOA client for over 10 years, with checking, savings, credit card, and business accounts, however you 've done NOTHING to keep my business, and now I know that the final straw has been dropped. 

Today you double-debited my checking account for my rent check, overdrawing my account by {$1500.00}. When I called to rectify, I was on hold for over TWENTY minutes ( 23 minutes before I had to move on with my life, and hung up ). Concurrently, I attempted to use your chat service- for the first 10 minutes, NO AGENTS were available. Then, I was told it would be a 6 minute wait. SIX minutes- to clear up your error. Keep in mind, I 'm still on hold on the phone during this entire time. 

Next, I tried to send an email- to my surprise ( though perhaps I should n't be surprised given your pattern and trend of sub-par service ) the only " options '' I was given to send an email re : checking are : order a check copy, order a statement copy, or " financial hardship. '' Are those really the ONLY things you think your customers might need to email you about?? 

Enough. By my own sweat and efforts ( as you 're clearly not accessible to help ) I 'm going to clear up your error regarding my checking account. I will next be opening new accounts with my local bank. My direct deposits, cash, and all other immediate banking will be going elsewhere because, frankly, you 're too big to care. Shame on you for being a glutton. Shame on you for becoming the target and symbol of what this country now despises. I should have seen this coming, of course ; I 'm just too smart to be banking with BOA. 

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

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

I have never heard of this company. The FCRA states that a consumer has the right to be notified if any financial institution submits or plans to submit any negative information to a credit reporting agency. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I was contacted by a collection agency named Crown Asset Management LLC through my employer. They sent a notice to attempt to garnish my wages. I have a problem with this on many levels. # 1.  This debt was paid by my husband nearly 10 years ago. # 2. Even if there were funds owed on this account, the statute of limitations have expired, and this company no longer has the right to sue for this debt. # 3. They are violating my rights under federal law XXXX Fair Debt Collection Practices Act ) and state law XXXX Georgia state statutes on debt collection ).