23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing this complaint regarding an alleged debt being reported and collected by [ Debt Buyer/Collection Agency Name ]. I believe the actions of the third-party debt collector and/or original creditor violate federal laws, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
1.Lack of Valid Contractual Agreement Under 15 U.S.C. 1692g ( b ), I requested validation of the debt from the collector. To date, they have failed to provide adequate documentation proving their legal authority to collect this debt, such as a valid assignment agreement or a signed contract showing my obligation to the original creditor. 
2.Unlawful Reporting of Inaccurate Information According to 15 U.S.C. 1681s-2 ( b ) of the FCRA, information furnished to credit reporting agencies must be accurate and verifiable. The debt collector has not substantiated the accuracy of this account or provided proof of my responsibility for the alleged debt. I request its immediate removal from my credit report if they can not validate it. 
3.Unauthorized Sale or Transfer of Debt Per 15 U.S.C. 1666h, I have not been provided with evidence that I consented to the sale or transfer of this debt to a third party. This raises concerns about the legality of their collection efforts.

4.Violation of State Laws and Time-Barred Debt Additionally, this debt may violate [ insert state law, e.g., statute of limitations ], as it appears to be time-barred or outside the legal period for collection. 

Resolution Requested : I respectfully request the CFPB to : Investigate this matter and require the debt collector to validate the debt with proper documentation ( e.g., original signed contract, complete payment history, proof of legal assignment ) .Ensure the removal of this debt from my credit reports if they can not provide sufficient validation.Cease all collection activities immediately if the debt can not be proven valid. 
Provide written confirmation from both the debt collector and the original creditor regarding the resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

this letter to inform you that you have violated federal law and federal regulations ( 15usc 41 ) Look i sent letters via certified mail to the XXXX credit bureaus on XX/XX/2022 of inaccurate and unknown stuff all over my credit report. to this day which is well over 30 days. i have yet to hear a response regarding disputes sent via certified mail. I HAVE RECIEPTS AND DELIVERY SAYING YOU ALL RECEIVED THE DISPUTED CERTIFIED MAIL. I feel like I am being taken advantage of and BEING ignored. 

Section 611 ( a ), it plainly stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been well over 30 days so they shall be deleted promptly as stated by federal law.

I demand these disputes sent via certified mail to be deleted immediately or I will file for litigation due to the stress you have caused me.

The credit bureaus also violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under the section 611 ( a ) ( 1 ) stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be deleted promptly. 


XXXX XXXX MAIL : 1. Tracking # XXXX 2.Tracking # XXXX 3.Tracking # XXXX I MADE A CFPB Complaint About violations from the bureaus 1. # XXXX ( EXPERIAN ) 2. # XXXX ( XXXX XXXX ) 3. # XXXX ( XXXX ) The credit bureaus violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under section 611 ( a ) ( 1 ) failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be DELETED PROMPTLY. ITS BEEN WELL OVER 30 DAYS. ANY FURTHER DELAY AND I WILL BE SUEING FOR VIOLATING FEDRAL LAW AND MY RIGHTS FINED {$1000.00} FOR EACH VIOLATION PAYABLE TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022 Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Subject : Demand for Corrective Action, Pay for Deletion, Removal of Unauthorized Inquiries, and Release from Special Department Dear Consumer Financial Protection Bureau, I, XXXX XXXX, urgently seek your intervention to address multiple concerns regarding my credit report held by XXXX XXXX XXXX. Firstly, I demand the immediate correction of a collection that I legally do not owe. The payment for this collection was coerced, and it must be reflected as resolved with a pay for deletion arrangement. Secondly, I request the swift removal of unauthorized inquiries made by XXXX XXXX XXXX XXXX  and American Express from my credit report. 

Moreover, I kindly request the release of my file from XXXX 's special department, as it is hindering my ability to address these issues effectively. 

Your prompt action in resolving these matters and ensuring that XXXX takes corrective measures is greatly appreciated. 

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

I am having a problem with XXXX and Experian method of removing a old or outdated derogatory information on my credit report that's harming my credit file. Acct XXXX, date. opened XX/XX/XXXX and Experian says open date XX/XX/XXXX? balance {$6300.00}, past due {$6300.00}. date of last active XX/XX/XXXX and Experian XX/XX/XXXX? XXXX. XXXX, date opened XX/XX/XXXX and Experian XX/XX/XXXX? balance XXXX past due {$5000.00}, last active XX/XX/XXXX and Experian XX/XX/XXXX? 3. XXXX, date opened XX/XX/XXXX Experian XX/XX/XXXX? balance {$2600.00}, past due {$2600.00}, last active XX/XX/XXXX Experian says XX/XX/XXXX? this is just a few I have 9 in total. How can this information from as late as XXXX, XXXX? How long does these items stay on my report? I see it says 7 yrs. It also says ALL INFOMATATION HAS TO BE 100 % ACCURATE. This is NOT. How does it has a Date of Last Active if in FACT if its been Charged off yrs ago? NOTE I explained all this to XXXX  and items was deleted. I do not understand this process with these two agencies. These are clear violations to my personal credit profile. I will upload my credit report to further explain what problems I am having. 
1. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.

2. All information must 100 % accurate. 
This information is not accurate or reporting agencies may not report outdated infomation. 
THESE ARE CLEARI VIOLATIONS TO MY PERSONAL CREDIT PROFILE..
Product: Credit reporting or other personal consumer reports

Remove all hard inquiries on my credit report that were not authorized by me.
Product: Mortgage

I currently had my mortgage sold. I had no idea this was happening. I was never notified. Now they have paid out numerous insurance mishandled my money, lied, charged me late fees, increased my house payment and refuse to help me. I have had over XXXX mortgages and I have never had so many issues. Loan Care LLC is scamming and stealing. How can I fix these issues. They are stealing from me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounst below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Has violated my rights. 



XXXX  XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  Acct XXXX XXXX, XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX & XXXX 15 U.S.C . 1681 section 602 A. States : I have the right to my 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 items of information other than records of conivctions 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 resonable cause to believe that the information is accurate.
Product: Vehicle loan or lease

I have faxed in information proving I have made my car payments. XXXX XXXX directly faxed this information to credit acceptance. XXXX XXXX has confirmed payments were made, payments were not returned back into my account. Credit acceptance verified they received this information, but is now asking for more information and bank statements for months I have made payments. What does this have to do with the payments they are claiming I didnt make? They are claiming my payments from XXXX and XXXX were returned in XXXX which makes no sense. XXXX XXXX verified this did not happen. XXXX XXXX verified these payments were made and proof was sent to credit acceptance. They are refusing to update my account to reflect this information. They are reporting my account is not in good standing. This is affecting my credit AND I had to make a payment to stop a repossession on my vehicle! This is ridiculous and it needs to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a public record investigation request to LexisNexis X/X/2017. I received a response more than two months after stating that the public record item was verified. In my correspondence, I request the Method of Verification which LexisNexis did not give in clear violation of FCRA. Additionally, they exceeded 30-day response requirements as per the FCRA. They know this because I have a friend who had the same issue recently and LexisNexis in accordance with the FCRA removed the item in question I contacted the court and the clerk was certain there was no verification request from LexisNexis How can this be..? 

Case # XXXX
Product: Payday loan, title loan, or personal loan

my complaint is not just about the change of amount to pay but the horrid customer service and how many times I have reached out to them. I took a XXXX dollar loan out mud summer with spotloan, It was being taken out on a day oppisite of my pay day week. I asked to have it taken out the same day but next week for convenience of it being on a payday since it wouldnt of been easy for me to pay that week. So I received an email back saying yes it was changed to the day I requested and it was not. It was actually changed to 2 weeks from then, which I originally did not complain about since I didn't have the money I just decided to pay it from my next check i paid and paid for 3 more months ans my balance never went down i received an email saying my loan was extendesd. I understand fees and interest especially with a loan like this ... but my balance went from XXXX to XXXX ans now will not be paid off until XX/XX/2021, i called. The guy explained to me since I moved my day my loan was extended XXXX dollars! And it wasn't even on a payday which he could not move for me unless I wanted it extended more. I have paid and paid on this.loan. I pay twice a month on this loan and my balance still to this day is XXXX and I have spoke with them to try and work with me and there is nothing they can do i paid for 3 months in a row.. these past 3 months and my loan is still at XXXX I honestly believe it won't be paid off in XXXX i believe it doesn't go down. I also just requested this week for it to be moved to a pay date once again for convenience i got no.email back until they said it was moved to XX/XX/XXXX i stated in multiple emails ans I have proof i did not want it changed of it extemded the loan I callled today since it is suppost to be taken out tomorrow ams the girl could not tell me of it will be pulled out tomorrow or XX/XX/XXXX i am livid with this company and I feel like I'm drowning
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I purchased a round-trip to XXXX XXXX leaving XX/XX/XXXX and returning the same day XX/XX/2023 through XXXX XXXX. 
The return flight was canceled. The confirmation number # XXXX. XXXX agreed to refund me for the ticket plus the seating upgrade. The ticket purchase amount was {$190.00} and the seating upgrade was {$68.00} totaling {$260.00}. I spoke to XXXX on several occasions and they stated that the refund had been processed through their end and they were not sure why PayPal had not refunded the money. They provided me an email with a cancellation notification which I provided to PayPal several times as file a resolution case with them. 
I spoke with a customer service rep at XXXX XXXX on XX/XX/23. Her name was XXXX and she was located in XXXX XXXX. She indicated that there had been some issue on their end with the refund and the refund was going to be processed through PayPal that day. She provided me with a transaction # XXXX. She indicated that the PayPal refund of {$260.00} would be returned on XX/XX/23 in addition to the {$250.00} for the original price of the ticket because of all of this inconvenience to me. She indicated that this was an approval by a supervisor with the name of XXXX located in New York. The total amount should now be XXXX based on my conversation on XX/XX/23 which I have yet to receive. I provided PayPal with all of this information and they denied case with no documented response from XXXX XXXX. Saying that I received the service. I provided them with the XXXX  email and the information above. Poor investigation completed by PayPal. Shame on them for not protecting their consumers and allowing this happen.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my ChexSystems report. I have submitted multiple complaints to ChexSystems requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, ChexSystems is obligated to remove these disputed items from my credit report. I kindly request that ChexSystems promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my ChexSystems report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

To whom it may concern My information was exposed in the Equifax data breach. I am a victim of identity theft. I would like this account removed immediately. I have sent my dispute certified mail, please dont treat this like a regular dispute under Section 605B this item should be removed within XXXX days.
Product: Debt collection

XXXX XXXX  and KLS Financial Services has fell to communicate with myself of a debt that is not owed by me. I have not given XXXX XXXX  authorization to release my medical information to anyone. XXXX XXXX and KLS Financial Services has violated my XXXX rights! 

15 U.S. CODE SS 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
Product: Money transfer, virtual currency, or money service

Cashapp has double charged me twice more than 10 times over the past and I can never get anything resolved, and I end up with having to deal with the loss
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX 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
Product: Debt collection

I have told them on XXXX other occasion to please stop calling my job. They have called again. They also will constantly call my cell number and not leave a message. 
I will sue next time I receive a call at my job.
Product: Debt collection

XX/XX/XXXX Dear CFPB I received a notice in the mail concerning a timeshare debt that I am being held accountable for. The timeshare in question was owned by XXXX XXXX XXXX XXXX, my ex-husband and me before we were divorced more than 32 years ago. 

Needless to say I was surprised if not shocked that he is now claiming that this piece of real estate is in my name, if he is claiming that. To make a long story short and simple, in our divorce settlement judgement in XXXX he paid me a lump sum, he kept all five properties, making himself the sole owner of all the properties. 

I am incensed, extremely upset, hurt and even after all these years in disbelief that I am being asked to pay a debt on property that was addressed in the divorce judgement documentation and I never had the pleasure of using. For the more than 32 years I have not lived in, visited, or been aware of. 

I am sure that the records will show that this the property of my ex-husband who is probably worth more than XXXX XXXX dollars, not a XXXX person ( myself ) who is living in subsidize housing and XXXX XXXX XXXX. 

Please review the information attachments that was sent to me, investigate, and then proceed to act based on findings. I assure you that the best chance you have ( we ) at finding the person who is truly responsible, and can pay, is my ex-husband for all fraudulent acts and damages against me. 
Sincerely, Ms. XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have a direct deposit sent to XXXX XXXX from XXXX XXXX. The money is set to process on the XXXX of every month. On the XXXX of the month I have money transferred from XXXX to Bank of America to pay my household bills. 

The money from XXXX showed deposited on XX/XX/XXXX. 
XX/XX/XXXX XXXX shows a transfer to Bank of America. 
Today is XX/XX/XXXX and the money is showing as processing just this afternoon, XXXX. 
I checked earlier today and the money wasn't showing at Bank of America at all. 

Could someone please explain to me- where is my money from the XXXX until the XXXX ( actually the XXXX )! 

If i use a credit or debit card it is immediate! Why do these transfers take so long and who is using my money?
Product: Debt collection

I received a call from an unknown caller, " XXXX XXXX '' stating they were locating me in XXXX county to serve me papers but I needed to call the number XXXX and use case XXXX. I called this number gave the case number she would not go over the case and said that she was sending the sheriff to come to my job and take me to court. She just needed my location. She said it was for a payday loan 2 years ago. 
Very nasty, making threats.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, Transunion. This complaint is a responce from a complaint I made XXXX.Consumer Financial Protection Bureau XXXX XXXX. 
The conplaint stated these words.XXXX, Transunion did not DELETE the inaccurate account listed on my consumer credit report. I have attached my Transunion consumer credit report with this complaint as proof that the inaccurate accounts are still on my credit report. This report was recieved XX/XX/XXXX and issued out XX/XX/XXXX as stated on the upper right of the document attached. XXXX XXXXXXXX XXXX is a charge off account that is reporting a BALANCE of {$990.00}. A charge of should show as a XXXX BALANCE. That is inaccurate report as stated in the F.C.R.A 15 U.S code 1681. Portfolio Recovery is a collection account reporting as a OPEN ACCOUNT and it has a BALANCE of {$680.00}. A collection account should show a XXXX BALANCE. That is inaccurate report as stated in the F.C.R.A 15 U.S code 1681.XXXX  states the Opening Date was XX/XX/XXXX. The opened date is wrong. That is inaccurate report as stated in the F.C.R.A 15 U.S code 1681. I will keep my consumer credit and my copies just case these accounts are not deleted. Transunion responded and asked for I.D, social sercurity number and utility bill. I have attached that to this conplaint as proof. DELETE THE INACCURATE ACCOUNTS LISTED ABOVE
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against XXXX ( PREVIOUSLY KNOWN AS XXXX XXXX ) for an unresolved issue. It is my belief that XXXX ( XXXX XXXX ) is acting deceptively regarding the student loans they service for the U.S. DEPT. OF EDUCATION. I completed my formal education with an XXXX in the Summer of XXXX. Prior to the completion of my education in XXXX all of my loans were in deferment because I was in school. After graduation my loans went through a number of deferments and/or forbearances. In XXXX, I went through a difficult time which subsequently led to a divorce at the end of XXXX. During this time I was in communication with XXXX XXXX at various times and believed that my loans were either in deferment or forbearance based on what my loans qualified for at the time. I was shocked to learn some time later that some of my loans had gone into a past due status. I was even more shocked and confused when the U.S. DEPT. OF EDUCATION told me that I had loans in default but that the would help me with rehabilitation so that I could get my loans out of default and have all the negative credit information removed from my credit file ( s ) ( including the negative information reported by the loan servicer because I was told they report of their behalf ). I agreed to the rehabilitation even though they should have never gone into this status if the deferment and/or forbearance was applied properly ; however I was absolutely horrified that my credit had been impacted and I wanted to move forward with getting the matter resolved. All of my loans have been rehabilitated and the U.S. DEPT. OF EDUCATION has removed all negative credit information with respect to my loans from my credit file ( s ) but XXXX refuses to do the same. In addition, beginning in XXXX XXXX I replied to numerous e-mails sent to me by XXXX requesting forbearance for my loans. I also called XXXX multiple times in XXXX checking on the status of my loans and was assured my loans were in good standing. I called in XXXX XXXX in response to an e-mail I received from XXXX and spoke with a representative that assured me that the forbearance was approved and I would not have to worry about anything reporting as past due on my credit ; yet XXXX is reporting me delinquent for the months of XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : WORLD FINANCE CO ( XXXX )