23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Around XXXX 2015 I could n't pay my auto loans and personal loans with Navy Federal due to having to give up my job due to a military move which I had paid for protection for to cover the costs but did not honor. They would call repeatedly threaten to garnish my wages, they blocked me out my checking and savings accounts. I went to cash a check they refused to give me the check back and made me make payments. I told them to pick up the car and they took a very long time to pick up the car. I had to call them about a year later because the car was still parked. After that it still took a few months to pick up. They sold the car which was in good condition for only XXXX when it was worth more than that. Leaving me with an XXXX balance on a 2015 car with no issues.
Product: Credit card or prepaid card

I received an email earlier in XXXX that my credit card was closed. I called Capital one and they stated that a communication was sent to me via app on XX/XX/2022 that i have to use the card within the 90 days or my account willbr closed. I accessed the app on Capital one while the agent is on the phone with me and i didnt see any record on the app. The app is empty and it states that i dont have any documents. My account was closed without any communication from them. Very unprofessional and they dont have any policies set in place.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I emailed the company XXXX XXXX XXXX for their failure to report my auto loan to the credit bureaus. On XX/XX/2024 they replied Good afternoon I forwarded your email to our credit department.

Despite consistent on-time payments, my credit report does not show any activity related to this auto loan. This loan is completely absence from my credit report. I have previously filed two complaints with the XXXX XXXX XXXX regarding these issues. In the first complaint Initially, XXXX XXXX XXXX experienced a system error that incorrectly reported my payments as well as other customers payments as late. This issue was eventually resolved, the fundamental problem of the loan 's absence from my credit report persists. I have been more than patient this is a XXXX loan and I'm in it more than 3 years. Also I'm worried when I finish paying this off that they won't give me my title.
Product: Credit card or prepaid card

I bought a game boosting service on XX/XX/2018, as I was in a hurry I want to be served on the same day. After I knew that I had to wait for about 1 week I tried to cancel it, but the only way to contact them is online chat and no one replies me by now. I disputed as soon as possible, but when I received the letter asking for more details, it had passed the deadline and I could not do anything about it.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the account, or inaccurate information, from my file immediately XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the Equifax data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. Equifax is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists
Product: Debt collection

Company : Professional Debt Mediation , Inc . 
Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, there, I would like to report a recent encounter with the company mentioned above. 

While following up on the next steps regarding dispute process after receiving an alleged debt from the apartment I recently vacated, the representative from company was very rude, combative, and used communication tactics to suggest that the dispute process could hurt my credit score.

I asked specifically the follow up actions for a dispute. The agent replied with that they will mark the account as dispute and it will hurt my credit score. I stated again that the answers I am seeking for are the following questions : 1 ) how do we start a dispute process 2 ) what is the timeline 3 ) who's reviewing agency Instead of giving me direct answers, the agent dodged them again by questioning our foundation/intent of dispute. I do not believe that was the intent of the call. I reinstated the answering we were seeking and asked for their advice on the dispute process. The agent became combative. After informing me that we would need to email back to their company, they hung up on me. I did not receive answers to the other two questions.

I do not believe this is the appropriate attitude, method or process to treat a customer who is actively looking for ways to resolve the issue. I would like to inform the bureau about this company and their standard procedure, which is detrimental to customer experience. 

We understand the debt collecting process is stressful for both the acting agent and the consumer. The expectation would be for the service representative to have the appropriate knowledge, and communication to inform the consumer in the process, with no judgement or unfair treatment. Most consumers do not have enough information regarding this matter, and consumer should receive proper guidance on options they can pursuit without being coerced into a decision on the spot. 

Please feel free to follow up if you have any additional questions. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

they are reporting a Delinquent Account but i'm in good with the company i think the report is on my son we are at the same mailing address XXXX XXXX XXXX XXXX XXXX XXXX kansas XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX, XX/XX/XXXX, I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Experian , specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. Experian is legally required to complete this action within four business days of receiving this complaint. *Fraudulent Accounts to be Removed : * 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  The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX ), which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of XXXX in safeguarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent matter. SincerelyXXXX XXXX XXXX
Product: Credit card or prepaid card

I have sent the company letters contact the credit companies call the company advise them of the fraud also the company is aware of the identity theft i know it is hard for companies to figure out who is the right person calling in because the fraudster has the same the information but i have done my part the best i can this account needs to removed and blocked
Product: Debt collection

this debt was included in Bankruptcy... .Original creditor dismissed it... .then XXXX XXXX XXXXpurchased Debt and trying to collect. this debt collector can not send me the documentation required to prove debt ... and i informed them of being included in Bankruptcy in XXXX the initial creditor did not show up to meeting of creditors ... and wrote off debt ... This debt collector is claiming current on debt on my credit report ... and will not remove after several attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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 am filing this formal complaint against Monterey Financial Collections, LLC for failure to comply with debt validation requirements under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Texas Finance Code 392.202 and 392.301. 
On XX/XX/year>, I submitted a written dispute and request for validation of a debt that the collection agency is reporting. Specifically, I requested : Full documentation validating the alleged debt ; A detailed breakdown of the account, including fees and charges ; and the chain of assignment or purchase agreement, proving legal authority to collect on behalf of the original creditor. 

On XX/XX/year>, I received an email response from the agency. However, it did not include the chain of assignment. I immediately followed up with a second request referencing the missing documentation. 

On XX/XX/year>, I submitted a third request for the chain of assignment. In response, the agency stated they were not obligated to provide it and again failed to send the requested documentation. 

This refusal to provide the chain of assignment and the failure to fully validate the debt within the 30-day period violates both state and federal law. Under : FDCPA 1692g ( b ) The debt collector must cease all collection efforts until validation is provided upon request.

Texas Finance Code 392.202 ( a ) Upon written dispute, a third-party debt collector has 30 days to respond with accurate documentation to validate the debt. If the collector does not comply, they may not pursue further collection efforts or continue to report the debt to any consumer reporting agency.

Despite multiple good faith attempts on my part to resolve the matter, no proper chain of assignment has ever been provided, and I continue to be affected by this unresolved, improperly validated debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have been receiving alerts that credit inquiries have been showing up on my credit report which I did not authorize. I believe that I am a victim of identify theft. The following has not been authorized on my Transunion Account : XXXX XXXX -XX/XX/XXXX, XX/XX/XXXXXXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX  XX/XX/XXXX,XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXXXXXX XXXX -XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX - XX/XX/XXXX, XX/XX/XXXXThe Following was not authorized on my XXXX or XXXX account.
XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, I reviewed my credit report and found the following item to be in error. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months
Product: Debt collection

Hello This is a copy of the message that was left on my business, I called this morning around XXXX and left a message letting him know this was my business line and to cease and assist all communications on this number. They have called before on this number and left messages but cant retrieve that information sorry.Received another call on my job phone @ XXXX from the Oracle Group XXXX he refused to give me his name he said he was necessary to verify my employment to serve me at my job, I reminded him this was my work phone and he said he knows but he needs to serve me at work, he called through our switchboard which comes through with the caller ID unknown, he went on about taking me to court so I disconnected the call.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I " cashed out '' my cashapp balance to debit card which I had done plenty of times before without issues. This time the amount was {$3000.00} and it didn't instantly transfer like previous transactions. After a few days still nothing on my debit card so I called cash app and they provided me with the transaction and trace numbers which I gave to my debit cards customer service department and eventually on XX/XX/XXXX my debit card received the {$3000.00}. My debit card ended up returning the funds to cashapp for whatever reason on XX/XX/XXXX and I was told to wait 3-5 business days for the funds to show on my cashapp. I waited the 5 business days and when the funds didn't show I called my debit cards customer support number and they provided me with a transaction and trace number for the return. I've emailed cashapp repeatedly with this information and I haven't received any information on my funds or any type of help. I have asked the cashapp support team what to do next and how long I should wait and the response I get is ... 

" I have no further details to provide for this particular transaction, and no further action can be taken. ''
Product: Debt collection

I attempted to resolve the issue about another payment amount and got refused and more money was added on. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' the financial institution and the Consumer reporting agencies XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit reporting agencies to review this ITEMS ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, DELETE, or TERMINATE the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX fails to provide evidence and verification of debt they are attempting to collect. 

XXXX XXXX PIN XXXX Amount {$1700.00} for XXXX XXXX XXXX Account # XXXX Date of Service : XX/XX/XXXX Asked for evidence of debt ( copy of bill, doctor name, etc ) on XX/XX/XXXX and again on XX/XX/XXXX. 

They continue to report on all three credit bureaus that I am delinquent. 

Consumer 's Desired Resolution : Proof of Debt, copy of billing or invoice for service on XX/XX/XXXX, doctor 's name, patient name. I need evidence that this is legitimate debt.
Product: Debt collection

I tried to dispute fraudulent charges on one of the credit reporting Agencys and MoneyLion refused even though I sent proof of fraudulent activity. I demand this to be taken off of my credit report according to their terms and conditions regarding fraudulent charges. Thank you.
Product: Debt collection

XX/XX/XXXX Traco Investments call me serval times threating me that he is going take my cars and boats any personal property I possession. I was never server from this company at all about any owe money of {$6900.00}. 



XX/XX/XXXX Traco Investments call me serval times threating once again about owe money and said he going to take my cars and boats any bank account I owe any personal property I possession. I still wasn't served with any document of this action against me. 



XX/XX/XXXX Traco Investments serve paper to my employer which was a wage assignment to take 25 % of my earning on my paycheck. It was ducted on XX/XX/XXXX of {$470.00}. I was devastated around this time I was struggling to pay my rent. My employer did comply but fail to give me notice of these actions as well. Traco Investments took me to court on XX/XX/XXXX and won the case to collect on this debt that is total fraud. He not an illegitimate business and this is not real case, and I never had any business relations with company and to note this is not even my debt. Court rules this company in favor of {$75.00} of monthly.
Product: Credit card or prepaid card

My account should not show any late payments because I have always paid on time.
Product: Debt collection

I received a collection demand letter on XX/XX/2019 advising me a past due balance had been referred to them for collection. I disputed this debt in writing XXXX copy attached ) on XX/XX/2019. I specifically asked for the original contract agreement, statement of all charges/payments/adjustments regarding this account. On XX/XX/2019, I received another letter from the same firm offering me payment options, after I had already disputed the debt in writing. I also had several phone calls from this firm, which I ignored as I knew I had disputed the debt in writing as required. I received another letter dated XX/XX/2019 where they sent documents pertaining to said account. They only sent a monthly statement, Affidavit of Sale of Account by Original Creditor, Blanket Certificate of Conformity for Notary XXXX XXXX, a Bill of Sale and their Purchase Price Reconciliation/Funding Instructions. I again, sent a letter of dispute dated XX/XX/2019 advising them I still have not received validation of the supposed debt. ( copy attached ). I advised them I was a victim of identity thief and sent copies of my Complaint Referral Form, Internet Crime Complaint Center. I again asked specifically for a copy of the original contract or application, statement of all charges/payments/adjustments regarding this supposed debt. Then, on XX/XX/2019 I received a notice from the XXXX XXXX XXXX XXXX where this firm has now filed a lawsuit against me for a debt I have continually disputed. Then on XX/XX/2019 I receive a package from this firm. ( copy attached ) They sent the same exact items as in their letter of XX/XX/2019. I still dispute this debt. I
Product: Checking or savings account

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous of times and reporting discrepancies my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFBPs findings indicate that XXXX has not only neglected to protect consumers but has also allow repeat offenders to exploit the system leaving users vulnerable to scams.
Product: Prepaid card

I have been trying for weeks to spend my American Express gift card online and it seems to get declined everywhere I try to shop. The card is worth exactly {$99.00}. This has been causing me a lot of trouble. XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX are the three methods of payment that I have been trying to submit. All transactions well under the {$99.00} amount.