23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received my first call from " XXXX '' today XX/XX/XXXX, from " XXXX '' who left a vague but compliant voicemail. I called the number back at XXXX XXXX  and a woman whose name I can't recall, attempted to transfer me to " XXXX XXXX. I asked specifically, " what is your field of business '' and was only advised, " We're 'Genesis '. We handle a range of business ''. During my transfer to " XXXX '', the representative D-Something, disconnected the call on me. I called back at XXXX XXXX  and spoke with XXXX or XXXX or something like that. I informed her to remove my reference, despite not knowing how they even FOUND a reference. She did not acknowledge that that number would be removed. I also informed her, that I would not be paying the debt as I don't feel compelled to pay debt to a XXXX  of an apartment community who I had nothing but noted issues with. She asked me multiple times to confirm I would like it documented as a " refusal to pay ''. I informed her that's fine. I then instructed her to mark my numbers has XXXX after she threatened me with continued collection efforts. Upon that remark, I made it clear the debt would not be getting paid and she ended the call by saying, " they will be paid '' and under the CFPB guidelines, that's enough to count as harassment as well as threatening collection tactics. Also, she did not give me the XXXX prior to disclosing the nature of the call. I called back and spoke with a supervisor, again, I don't remember his name and he was apologetic and confirmed the numbers had been removed. I informed him that the complaint would be filed as they have violated several guidelines and as a consumer and debt collector of 9 years, I'm very familiar with the collection laws. I also received notice from a " reference '' that when they were called, " XXXX '' refused to identify themselves upon multiple requests for the company information and when the " reference '' instructed that their number be removed, the agent specifically told them " no '' and that the number would remain on file. I informed the supervisor of timestamps for the calls for reference to these violations. Prior to today, XX/XX/XXXX, I have not been in communication with " XXXX ''. I had no details informing me of who they were or to be expecting their call. This balance is certainly not worth the legal action I am very much so willing to take fir not XXXX or XXXX, but multiple violations and I truly hope they take the loss on my {$400.00} rather than having to pay out a nice chunk of hush money.
Product: Credit reporting or other personal consumer reports

This debt collection company placed a account on my XXXX account in XXXX i disputed it because i am unaware of who they are or who they work for. I requested documents showing the contract they are stating i broke by missed payments and details on the amount i am said to owe. They removed the account from XXXX without any of this information and have now added it to XXXX without still not providing any documents supporting this is my account and they have the right to collect a debt from me. They are ruining my credit worthiness. And i have a block on my XXXX  it is disturbing that people can insert information on my consumer profile without my knowledge or consent which is against the fcra
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Tx, XXXX XXXX XXXX XXXX Sir/Madam, I am writing to request a reinvestigation of the following item ( s ) on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 
Disputed Item ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Thank you for your prompt attention to this matter. Sincerely, [ Your Full Name ]
Product: Credit reporting

Since 2012, I have disputed XXXX Creditors on my Credit File ( all XXXX Credit Bureaus ). Also, I have disputed directly with the Creditors reporting incorrect reporting as not being mine. Whenever I call the Creditors directly, the file in question does not match with my SSN. I have tried everything possible within the rule of laws without any resolution. Please help and advise. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 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. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX NEVER GAVE THESE AGENCIES ANY CONSENT OR AUTHORIZATION TO REPORT THESE ACCOUNT TO MY CONSUMER REPORT. I HAVE WRITTEN THESE AGENCIES 3 TIMES AND THEY HAVEN'T FIXED MY REPORT. 

XXXX XXXX, EQUIFAX ARE BREAKING THE LAW UNDER 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

IM A PROTECTED CONSUMER AND KNOW MY RIGHTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my Navient and XXXX accounts consolidated with XXXX. Navient is still reporting loans in a negative manner instead of deleting from my reports as i no longer have loans with them. So now its showing as if i have XXXX different loans when i only have 2 none of which is with Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is two collection accounts from XXXX XXXX that is being reported to my credit file from Equifax, XXXX, and XXXX and I DO NOT know what it is. I disputed these inaccurate accounts with all three companies and they did not investigate the information and continue to report unverified information! 
XXXX XXXX
Product: Debt collection

I do not have a contract nor did I authorize this company to obtain my information, my rights to privacy was violated under the FDCPA & FCRA. 

15 US Code 1692c prohibits debt collectors from communicating with third parties in connection with debt collection. 

" If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.
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. 

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

XXXX XXXX is reporting a collection on my credit reports that is a fraud account. I had my mail stolen a few years ago and filed a police report when this happened, but just recently saw a copy of my credit report which alerted me to this fraud. I have never had any ties to Nevada and certainly never started utilities service anywhere in Nevada. I spoke with both XXXX and XXXX XXXX numerous times but this issue is still not resolved. When I spoke with XXXX XXXXXXXX I learned they had misspelled my name when opening the account, and whoever opened this fraudulent account made one payment using XXXX XXXX XXXX which I have never used.
Product: Mortgage

Filed with my XXXX lien bank, Susquehanna Bank, for a short sale over 45 days ago. They have not been responsive, nor have they scheduled an appraisal to date. Failure of Susquehanna to respond could affect payoff of my XXXX lien with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Credit Acceptance keeps reporting incorrect late payment dates. Also please stop reporting since this account is closed. This account should not have this many late payments and differs from other credit agencies. Please delete account as it goes against my consumer rights. Delete this account as it shows incorrect dates and the late payment dates differ between credit agencies. I will continue to dispute every month until my credit report is fixed as it is my consumer right!
Product: Debt collection

In response to CFPB complaint number # XXXX - XXXX, my name is XXXX XXXX, a Federally protected consumer, and I am making this complaint against Spring Oaks Capital SPV LLC for violating a cease desist notice they received XX/XX/year> and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have attached a debt validation letter, a cease and desist notice. 

Exhibit A. which is a copy on my XXXX Report consumer report, Exhibit B. which is copy of their response to CFPB complaint # XXXX XXXX XXXX and a XXXX  of an FTC report that will be labeled as Exhibit C when filing for litigation in Federal Court to this complaint, SPRING OAKS CAPITAL LLC # XXXX and Reference No. - XXXX stated with its purchase of the account, the current owner who is SPRING OAKS CAPITAL SPV LLC # XXXX aquiried all ownership rights, including the rights to collect on the account. But I never contacted with them and they have no reason to have my identifying information. Also, pursuant 15 USC 1691g ( c ). I have not validated any alleged debt with Spring Oaks Capital SPV LLC and my failure to dispute the validity of these alleged debt shall not be construed as an admission of liability, SPRING OAKS CAPITAL SPV LLC stated that on XX/XX/year>, XX/XX/year>, XX/XX/year> that the previous disputes were mail to the same address provided in this complaint including the account documentation a copy of the Bill of Sale reflecting our purchase of the reference and the assignment documents reflecting the subsequent transfer to SPRING OAKS CAPITAL SPV LLC. As well As a breakdown of charges and credits As of XX/XX/year>, I have not validated any alleged debt with receive any documentary evidence, such as a Trilateral contract, giving SPRING OAKS CAPITAL SPV LLC any right to collect on this alleged debt, It is my belief that SPRING OAKS CAPITAL SPV LLC are attempting unlawful extortionate means activities and theft by deception by attempting to furnish false and deceptive forms. SPRING OAKS CAPITAL SPV LLC also stated they disagree with assertion contained with this complaint related to their handling of the reference account # XXXX. I have never received any documentation requesting validation from SPRING OAKS CAPITAL SPV LLC, Before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If SPRING OAKS CAPITAL SPV LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, consumer, prior to furnishing it on my consumer reports, this has been a fraudulently furnished account with Forethought and Malice as an attempt to bring harm to me and my financial reputation. Account # XXXX, Reference No. # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They reported a derogatory mark to the credit bureaus, listing it as a charge off because I did not send them the documents they had requested. 
XXXX XXXX XXXX, requested a bank validation letter from me. I sent the bank validation letter on XXXX XXXX XXXX XXXX XXXX  repeatedly told me it would take x amount of time to reinstate my account. I followed up with XXXX XXXX XXXX  after the time had been sufficient as they had stated. Then they after speaking with a supervisor, then a manager for almost 3 hours they told me they had never received my bank validation letter. I told them that my XXXX indicated that I had sent the letter per their instructions ... with my card number, the bank validation letter in a PDF format. They researched the emails after I sent them the original email showing the date XX/XX/XXXX. Then they claimed to have found it but could not open the PDF file, ( Ive sent many PDF files via email and every one has been able to view it XXXX. So, I disputed it with the Credit Bureaus. Not only did they not resolve my issue but XXXX XXXX XXXX  now reports that I am late for XXXX, that is not true I paid twice in XXXX.
Product: Mortgage

I tried to get quotes for refinance with Quicken on XX/XX/XXXX from a person names XXXX XXXX. 
I had asked if they would provide an improved pricing for bringing in a few mortgages. He reassured me, on a recorded line, that they would absolutely provide additional discounts for bringing in a few mortgages, and I only need to start the application and he needs to run a credit check. 
After providing all the information I discovered that I was lied to and in fact there was no discount on the mortgage rate and there was never an intention to provide an additional discount for refinancing multiple mortgages. 
I tried to resolve this with Quicken leadership however they failed to acknowledge what was done. They refused to provide me with a recording of the calls even though they acknowledged that they were recorded. 
They are clearly covering up for this fraudulent act and are refusing to take responsibility for this. 
Especially since XXXX lenders need to be honest and upfront with their customers and not lie just to " hook them '' to get mortgages from them. 
What happened with this guy XXXX was clear fraud just to get me to apply with quicken so he can get his commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXXXX/XX/XXXX, Collection/Chargeoff XXXX XX/XX/XXXX Subject has not satisfied debt . } XXXX Untitled {, Collection/Chargeoff, XX/XX/XXXX Subject has not satisfied debt. } XXXX Untitled {, Collection/Chargeoff, XX/XX/XXXX Subject has not satisfied debt. } XXXX XXXX {, Collection/Chargeoff,XX/XX/XXXXubject has not XXXX debt. } 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

In XXXX, 2017 I attempted to finance a vehicle from credit acceptance corporation. The dealership attempted to extort me for additional cash after the finance paperwork had been signed for credit acceptance. I never took delivery of the vehicle. I never had possession of the vehicle. I have never made a payment other than the down payment I was never refunded. The vehicle has never been registered in my name. There is no lien on the vehicle. I have tried to dispute the debt with the credit bureaus. I have tried to dispute it with credit acceptance directly. They havent sent the debt to collections.
Product: Mortgage

I applied for a Cash out refinance Conventional Loan XXXX of XXXX. XXXX of XXXX I received a call from XXXX XXXX, loan originator say my credit score approved me for the Cash out refinance loan. XXXX of XXXX I received the official approval. XXXX of XXXX I received a denial of the loan. I've been a customer with PPH Mortgage for over 15 years never was late or missed a payment. I received multiple calls from the loan originator telling me the loan was in good standing. The money was for repairs of my home I've been living there since XXXX. I have all of application documents. PPH tied my personal credit for 4 months. I did not apply for any loans due to I didn't want any complications regarding my loan.
Product: Money transfer, virtual currency, or money service

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

Caller failed to idenify themselves or that they attempting collect a debt and said that it 's not on them, nothing will happen to them only to my husband who has by the way already filed Bankruptcy I told them he was under bankruptcy protection and they said they did n't care.
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  has violated my right, And lists of unauthorized inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

I utilized Kikoff.com because they advertised they could improve credit by making small {$1.00} ( virtual currency ) payments that are paid automatically. They reported payments late to my credit report therefore damaging it. They claim auto was never set up. WHICH IS A LIE!!!! I reached out to them on XX/XX/XXXX asking them to correct the matter. They have refused. Their marketing and way of operating is quite confusing and misleading and their website is glitchy and not user friendly. The payments are supposed to be made automatically. This service is just another example of a predatory lender designed to prey upon the subprime market. They will not own up to their website possibly having issues that caused this unfortunate situation Im astonished and just wonder we keep letting companies like these harm us! I remained consistent and I was ignored eventually. What an insult!!!!!
Product: Debt collection

Upon checking my credit report I discovered Transworld Systems had placed a collection account on my file. I submitted a validation request letter XX/XX/XXXX requesting my signature on any document agreeing to do business with this company and requesting any documents showing my signature to do business with Transworld Systems. I received a letter stating that they would contact the original creditor and that they had followed and complied with federal law. All validation should be done BEFORE derogatory information is placed on any ones credit file. This is NOT MY account and I am requesting that it be deleted immediately as it is damaging to my credit worthiness.
Product: Debt collection

This debt was covered under bankruptcy. I hadn't had any problem with being contacted regarding this debt until the bankruptcy was lifted from my credit report the later part of XX/XX/XXXX I believe. Beginning XX/XX/XXXX is when National Credit Adjust began to appear on my credit reports, XXXX, XXXX, XXXX XXXX. By XXXX, I began getting calls then mailings. I disputed the item through the credit bureau at least 2 times now. The first time online, the second time I spoke to someone directly. I explained this debt was a part of my bankruptcy. Also I am a victim of identity theft and I am still having issues with accounts saying I still owe. I still have to get a auto loan that was paid off via my insurance carrier at the time due to an accident but the loan company submitted more money as a write off versus what was actually paid. That's another issue. I've have tax fraud, credit fraud, even bank fraud. I have been signed up with XXXX XXXX and XXXX, and I keep my credit report locked. I had received something a year or so ago regarding a class action suit against speedy cash and other payday loans. I don't know if this issue is a result of that or mis-communication. If able I will attach documents related to my complaint. What ever I can get. Thank you, 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 Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  Account name : 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: Student loan

on XX/XX/2024 Nelnet withdrew a payment of {$730.00}. that same day onother company brought and satisfied the loan with Nelnet. Nelnet acknowledged there was and overlap and they would issue my payment to the new company XXXX XXXX, but after XXXX phone calls and a lot of excuses no payment has arrived at XXXX XXXX, I understand the overlap and onther company XXXX also took a payment on XXXX. One phone call and XXXX month later my payment was credited to my account at XXXX XXXX. Al I want is my payment that Nelnet took to be credited to XXXX XXXX ... My Nelnet acc. # is XXXX their phone # is XXXX... My XXXX XXXX XXXX # is XXXX their phone # is XXXX. When I call they agree the money was taken but they haven't forwarded it to new company, I don't understand