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

Its pretty simple federal law dictated that a requested item be presented. Experian had broken federal law and has refused me those rights I have 2 medical collections that dont belong to me. But we are way past that. Even if I did they still would have to delete. Again its been well over 60 days that I have requested the contract per 15 us code s 1692g is my right to do. This has been well over 60 days almost 70. XXXX  refusing me of my rights. According to federal law they must delete. XXXX  has broken several laws. And is playing games. My recent disputes are now coming back that I disputed address changes that I didnt. Or saying they dont know what company these are about they know. XXXX has done malicious acts against me the cunumer. They also have broke. Implemented law 2021 till this day I have not heard anything from there partner in trying to collect on this dept. the only ones that are is Experian. No attempt to contact no report. These collections are from XXXXXXXX XXXX XXXX XXXX different collections that Experian has been trying to force me to pay while refusing me of my rights and breaking federal law to do so. Again to make this clear Im complaining that XXXX  credit reporting company has denied me of my rights and broken federal law multiple times in order to valedate XXXX XXXX XXXX from XXXXXXXX XXXX XXXX  that really belong to XXXX XXXX. The reason XXXXXXXX XXXX XXXX have no responded is because they know there wasnt a contract with me agreeing to this ever I get free medical any type of medical. We must follow the law and delete these XXXX collections any of my XXXX reasons should have been enough to delete these all three together why are they still fighting this. Lets hold this crooked company accountable there one job report accurate and fairly. They sure havent been close and not because they have made a mistake this is malicious on there part.
Product: Debt collection

CFPB Complaint Consumer Financial Protection Bureau Office of Complaint Response XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/year> Dear CFPB, I am writing to file a complaint against Tele Recovery Louisiana and for violating the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Louisiana state Statute laws Account Information : Tele Recovery Services XXXX XXXX XXXX XXXX, La. XXXX XXXX Violations : Failure to Provide Validation : Tele Recovery Louisiana has failed to provide me with validation information as required by 12 CFR 1006.34B5. This information is essential for me to verify the debt and dispute any inaccuracies. 
Reporting to Credit Bureaus Without Validation : Despite failing to provide validation, Tele Recovery Louisiana has reported the debt to consumer reporting agencies, violating 12 CFR 1006.34C4 ( i ). This has negatively impacted my credit score without giving me an opportunity to dispute the account.

Violation of Consumer Rights : Tele Recovery Services has engaged in misleading, misrepresentative, and deceptive practices by attempting to collect a debt without providing the required disclosures and by reporting inaccurate information to credit bureaus. These actions violate my consumer rights under the FDCPA and the FCRA.

Unauthorized Reporting : Tele Recovery Services has no authority to furnish information to consumer reporting agencies without complying with the disclosure requirements of 12 CFR 1634D and 15 USC 1681S2 ( 7 ) ( A ).

Violation of Louisiana State Law : Tele Recovery Services actions also violate Louisiana State Statute R.S. 51:1401.

Requested Actions : I request that the CFPB investigate these violations and take appropriate action against Tele Recovery Services. I am seeking the following relief : Removal of the disputed debt from my credit report. 
Cessation of all communication from Tele Recovery Services.

Monetary damages for the harm caused.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX Dispute Letter to Tele Recovery Services XX/XX/year> Tele Recovery Louisiana XXXX XXXX XXXX. 
XXXX, La. XXXX Dear Tele Recovery Services I am writing to dispute the debt you claim I owe. I dispute the validity and accuracy of this debt in its entirety.

I request the following : Validation of the debt, including the original creditor, amount owed, and proof of the debt.

A copy of the original purchase agreement.

Proof that you are licensed and bonded to collect debts in the state of Louisiana.

Cessation of all communication with me, including phone calls, text messages, and emails.

I assert my right under the Fair Debt Collection Practices Act ( FDCPA ) to dispute this debt and request that you cease all collection activity until you can provide the requested information. And you have 15 days to respond not 30 days or your silence is acquiescence Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, La. XXXX
Product: Checking or savings account

Approximately 2 months ago ( Current Date XX/XX/XXXX ), I attempted to deposit {$400.00} into my checking account through a Synovus ATM, a bank I have an account open at. The screen displayed a message along the lines of, Transaction Failed, Returning Deposit.. The ATM attempted to dispense the cash, but only {$200.00} was returned. I immediately called Synovus help number, and filed a dispute. I also alerted the next person in line of the issue, which should be on the camera. A few days later, XX/XX/XXXX, a {$200.00} credit was applied to my account. I assumed the issue had been resolved, but on XX/XX/XXXX, a {$200.00} debit was applied to my account, and I called the bank to find out my claim had been denied. My account is also now being charged overdraft fees as a result of the removal of my {$200.00}. Their letter explaining the reason for denial gives no details, and says to call their support number for information. When called, they could not provide any additional information regarding their investigation, or evidence of how they came to their conclusion. They will not supply any records of my complaints. This persisted over multiple calls and speaking to multiple different agents within the company. As of now, I am awaiting up to 120 days for them to rereview the claim, although they did not collect any additional information, while my account accrues overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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 CAPITAL ONE- XXXX ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates
Product: Checking or savings account

Wells Fargo deposited a check written out to me only into an account without my name on it. My name was forged and was not a third party check. I have filed many disputes with them and they acknowledge wrong doing but are not willing to make things right. 
I filed a complaint with the issuing company but they refused to help in any way also. This happened in XXXXXXXX XXXXXXXX  2020 and my last complaint was just dismissed a couple of months ago. The check was just over XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has where I lived at the time wrong and name was XXXX when it supposed to be XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX and TransUnion Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been violating my consumer right i mailed them a certified letter notary letter on removing late payments due to XXXX XXXX which is a violation of 15 USC1681i ( a ) ( 7 ) on XX/XX/year> TRACKING NUMBER XXXX under the cares act law i was granted a payment accommodation per Section 623 of the FCRA account has to now report as current. They have yet to respond or sent any updated credit response in reasonable 30 day time for the past 7 months i have all tracking receipts for these times im asking them to do what is by law and update my information to current.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX credit collection service 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. its also states a consumer reporting agency can not furnish a account without my written ins
tructions.
Product: Debt collection

I recieved my cusumer Reports and notice there was an inaccurate account ( s ) on my credit report XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy I contacted to equifax and asked them to investigate & remove the inaccurate accounts from the consumer report that they are illegally reporting and I requested specifically the original application bearing my signature they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and this disputed item ( s ) may not appear on my credit if it can not be supported by any evidence or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Bank XXXX XXXX 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
Product: Debt collection

I recently received notification that my credit score had changed. I immediately checked with credit reporting agencies and found that my credit history with XXXX   includes a derogatory mark reported on XX/XX/2017 by a collection agency identified as Commonwealth Finance. The debt claimed is in the amount of {$1100.00} ; the original creditor is identified as " XXXX XXXX  ''. XXXX  would not provide any additional information. I have no knowledge of this activity and I was not aware of this alleged debt, nor have I ever been contacted by Commonwealth Finance, XXXX XXXX, or any other party regarding an outstanding account balance or debt owed in this or any other amount. As a result, my credit has been damaged without my knowledge and without the opportunity to dispute or otherwise rectify the situation.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Follow-Up on Complaint Regarding Failure of Creditor to Provide Requested Documentation Complaint Number : XXXX Dear XXXX, I am writing to follow up on my previous complaint, referenced above, which was submitted to the CFPB regarding the inaccurate reporting of a charged-off business accounts by XXXX  XXXXXXXX XXXX XXXX XXXX. The creditor has failed to provide the requested documentation proving my authorization for the debt and the transfer of my personal information to a third-party debt collector. Additionally, I requested that they issue a Form 1099-C to confirm whether the debt has been forgiven or canceled.

As of the date of this letter, I have not received the necessary documentation or a substantive response from XXXX XXXX XXXX XXXX XXXXXXXX, despite multiple requests. I have also requested the following : XXXX. The original signed contract or application for the account.

2. Documentation proving my personal liability for the debt.

3. Proof of my authorization to share or transfer my personal information to a third-party debt collector.

4. Issuance of a Form 1099-C if the debt has been canceled.

These requests were made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). However, XXXX XXXX XXXX XXXX has failed to provide the requested documentation or a formal response. But continue to validate that they are reporting it accurate to XXXX per my dispute results from XXXX. 
I am asking the CFPB to assist in ensuring that the creditor complies with the legal obligations set forth by the FCRA and FDCPA, specifically : 15 U.S.C. 1681i : Verification of disputed information and removal if it can not be validated.

15 U.S.C. 1692c ( b ) : Restricting the transfer of my personal information to third-party debt collectors without my consent.
Product: Student loan

Nelnet provider needs to be looked into. People are requesting refunds for payments made during the covid lockdown, including myself, which we are entitled to. These refunds are taking up to 150-200 days with no email or paper trail confirmation. Many people are getting their refunds much faster with other loan providers, but Nelnet services is completely unacceptable. We need to get these refunds processed before the end of the year and our money back into our accounts. Please if anyone is reading this I'm sure there are other complaints about nelnet services. HELP US PLEASE. Also my name is XXXX XXXX, birth date XX/XX/XXXX, i started my loan process in XX/XX/XXXX and continued until XXXX of XXXX. Hope this helps. Also my number is XXXX.
Product: Debt collection

Conserve is n't license in the state of Florida. They are also charging me 2 did n't amounts and this is impossible. I only register for XXXX college, but I never attended a physical class. Per the school if you do n't show up 3 days in a row your are automatically withdrew from the class with no charge, but for some reason I have 2 bills on my credit from Conserve Collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I received a reply from Equifax regarding the dispute of inaccurate and unverifiable information contained in the public records section of my credit report. Equifax says the information is verified as accurate. But I 've circled an inaccurate inconsistency that shows a different address than the address on the tradeline. 

The Fair Credit Reporting Act ( FCRA ) states that ONLY 100 % accurate, 100 % complete and 100 %  verifiable information can be reported. 

However, they have continued to violate the Fair Credit Reporting Act by reporting inaccurate and unverifiable information in my credit report ... as well as also neglecting to show that the contested information is " currently being investigated '' or as " consumer disputes ''. And this is a very important right that they have blatantly violated EVERY TIME that I 've disputed this information, because they never make that notation & also continue scoring this inaccurate information against me while it 's being investigated ( which is a laughable fraud in and of itself ). Equifax thumbs its nose at federal laws! 

Additionally, Equifax has NEVER verified the public records information DIRECTLY with the US Bankruptcy Court. If they had, they would 've discovered that much of what they 're reporting is inaccurate and incomplete. 

I have a right to ONLY have this information verified DIRECTLY with the original creditor ... which is the US Bankruptcy Court. 

I have also attached a letter from the US Bankruptcy Clerk that states that THEY THINK that credit agencies get their information from a 3rd party service such as XXXX or other agencies like XXXX. 

This is not reliable, and is prone to errors. 

Equifax has only been relying on the verification of this data from XXXX, which is a DIRECT CONFLICT ... as XXXX sells consumer information to Equifax. 

I am demanding that Equifax be reprimanded by the CFPB for their continual violations of the Fair Credit Reporting Act & for falsely claiming to have investigated and verified the accuracy of the misreported information ( directly with the US Bankruptcy Court or XXXX County Court ).
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) in connection to the reporting of inaccurate information related to the TDRC/SAMS account with the partial account number XXXX. The errors and inconsistencies in Experians report have adversely impacted my credit file and violate provisions of the FCRA. 

Identified Inconsistencies 1. Date of Last Payment : The report does not include any information regarding the date of last payment, leaving the data incomplete. 

2. Date of Last Activity : The report states XX/XX/year> as the date of last activity, which conflicts with information provided by other credit bureaus. 

3. Payment History : The report indicates an " OK '' payment status until XX/XX/year>, followed by a " Charge Off '' on XX/XX/year>, with no additional records or context provided. 

Violations of the Fair Credit Reporting Act 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Accuracy Experian has not implemented reasonable procedures to ensure the accuracy of the information provided, as required by this section. The discrepancies in payment history, dates, and missing data reflect a lack of compliance. 

2. 15 U.S.C. 1681i ( a ) : Inadequate Investigation The absence of crucial details, such as the date of last payment, demonstrates Experians failure to conduct a thorough investigation and ensure accurate reporting following my dispute.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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
Product: Mortgage

We keep getting phone calls from someone who says they are from Bank of America and wanting to talk to us about our property. We are n't late on payments so there is no reason for her to keep calling! I have asked her 3 times to NOT CALL, that there is nothing I need to discuss about our property. She calls as early as XXXX, we have people sleeping here at that time. I asked for her manager and she claims she could n't find her phone number. I need this to stop. I have searched her number and found her home address, etc. Her name is XXXX XXXX ( she claims it 's XXXX ) from XXXX XXXX, Ca XXXX XXXX XXXX XXXX Phone number she calls from which is her own is ( XXXX ) XXXX. We do n't know why she is calling, she wo n't say unless we confirm information which I REFUSE to do because I know her call is not legit.
Product: Debt collection

XXXX XXXX is trying to collect a debt i don't owe. i have responded to them by mail and they still reported to my credit as a collection related to a synchrony account
Product: Credit card or prepaid card

I opened a XXXX XXXX XXXX  ( Barclays ). Because I was offered balance transfers for a small fee, I transferred about XXXX as the card advertised one year no interest, giving me a year to pay this off, which I had done with another card. I opened the card in XXXX, transferred the balances in XXXX, and they promptly asked me for my tax returns ( to verify my income ). I have had a card issuer ask me for this to justify a limit of {$10000.00} on another card, so I didn't think this unusual. So, I sent the requested documents, and in XXXX they froze and closed my account, the only reason given was that my tax returns were not adequate proof of my identity? They did not ask for any other proof than the tax returns to verify my income. When they closed my account they ended my XXXX year 0 % interest, so I am having issues reducing the balance due to the outrageous increase in interest rate! Another huge issue is that I had opted for 'paperless " statements, but I have never once received a statement paperless or otherwise, so I have no documentation, as there is no possibility of printing a statement from their website. I have to log onto the website to even know what the payment due is, and look at transactions to see the interest. I didn't receive an 'adverse action ' notification of any of the changes, or an explanation, of why my goverment tax return was not sufficient proof of my identity?? Or of a termination of my 0 % interest balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending countless letters appealing to Transunion to verify the disputed items and remove them if unable to prove that the Items are mine. Transunion is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts. Im attaching the required FTC Report for you ( which complies with FCRA XXXX XXXX ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially ... and I would truly not what to pursue a legal remedy ... .Please remove the items ASAP : XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX