23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2023, I received a letter via mail from RSI Enterprises regarding an alleged Medical debt owed to XXXX XXXX XXXX XXXX. The letter claimed I owed a debt of {$120.00} and a second debt of {$170.00} On XX/XX/2023, I sent a letter requesting the debt be verified and for RSI Enterprises to provide the name, address, account number, and the amount owed. I requested additional details about the debt including the age and amount of this debt and a copy of the last billing statement from the original creditor any interest added or payments made since the last billing statement and the legal authorization of this interest. As well as the date the date became delinquent. 

On XX/XX/2023, I received another letter via mail from RSI Enterprises claiming that the alleged debt was now collectable. The debt collector now claimed the alleged debt amount to be {$280.00}. 

RSI Enterprises did not provide any of the information I had requested within my rights. They did not validate the debt and the amount had now changed. The debt collector violated CFBP law because they did not provide any information in response to the debt validation letter and were claiming the alleged debt was collectable. 

On XX/XX/2023, I sent another letter to the debt collector letting them know that they had not validated the alleged debt and were in violation of Federal law. 

On XX/XX/2023, RSI Enterprises sent me another letter claiming I owe and alleged debt to XXXX XXXX XXXX XXXX XXXX. The letter included a medical statement which contains the wrong address, wrong name and is not my debt. 

I filling a complaint about this debt collector as they are sending me debt which is inaccurate and have not been able to respond and validate any debt as previously requested
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature. I have no contracts with this company, and did not agree to pay any money to them.
Product: Student loan

Nelnet took {$200.00} on XX/XX/23 from my account after my loan was transferred to a new servicer and has not responded to my messages. The {$200.00} was not transferred to my new servicer or given back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a problem with Yamaha Motor / Yamaha Financial Services before. I'm not the first person to have problems with Yamaha. I went to get a loan and THEY HAVE REPORTED XXXX PAYMENTS AS XXXX DAYS LATE, XXXX PAYMENT AS XXXX  DAYS LATE AND XXXX PAYMENT AS XXXX  DAYS LATE for the year XXXX. THIS HAS ADVERSELY AFFECTED/EFFECTED MY ABILITY TO OBTAIN CREDIT AND/OR CAUSED ME TO HAVE A HIGHER INTEREST RATE. I requested a payment history from Yamaha of which I received through email. XXXX THROUGH XXXX SHOWS EACH PAYMENT WAS POSTED ON THE CORRECT MONTH, DAYS BEFORE THE PAYMENT IS DUE WITH THE EXCEPTION OF XXXX XXXX PAYMENT WHICH WAS POSTED ON THE DAY/DATE THE PAYMENT IS DUE. THAT IS XXXX MONTHS OUT OF XXXX MONTHS THAT YAMAHA HAS FALSELY REPORTED MY PAYMENT INFORMATION TO THE CREDIT BUREAU 'S. I have, not only the email from Yamaha, I have my bank statements showing where the payments clear my financial institution. I'm asking for Yamaha to correct their wrong behavior by inaccurately reporting false info to the credit bureau 's. And to APOLOGIZE TO ME FOR FALSELY REPORTING MY PAYMENTS AND TARNISHING MY CREDIT. They are continuing to give themselves a bad reputation. I may have something else to add to this complaint in the future. DATES : XXXX through XX/XX/2021. AMOUNTS : {$240.00} EACH MONTH.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$130.00} opened XX/XX/XXXX [ collections ] XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX [ finance/personal ] XXXX XXXX XXXX XXXX {$2000.00} [ closed ] in accordance with the fair credit reporting act XXXX  has violated my rights 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account with out my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2023, CA XXXX XXXX Attention : Credco/ Corelogic Credit Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Dear Credco XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : Credco/ Corelogic Made on : XX/XX/2023 Made with : XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interes Finally, assumin you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX 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. 

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$920.00} XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX  Unknown # XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX RECEIVED A CEASE AND DESIST LETTER / REFUSAL TO PAY LETTER VIA CERTIFIED MAIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON XXXX XXXX, 2024 AS VERIFIED BY RETURN RECEIPT. XXXX IS STILL attempting to COMMUNICATE AND ATTEMPTING TO COLLECT AN ALLEGED DEBT AFTER RECEIVING A WRITTEN INSTRUCTIONS PURSUANT 15 USC 1692c ( c ). XXXX IS VIOLATING CEASE AND DESIST THROUGH 3RD PARTY AFFILIATE COMPANY CREDIT CONTROL , LLC. NOW CREDIT CONTROL ON BEHALF OF NOW ARE ALSO VIOLATING CEASE AND DESIST WITH VIOLATING FDCPA ABUSIVE PRACTICES PROVISIONS WITH THEIR CONSTANT HARASSMENT AGAINST ME WITH THEIR COMMUNICATION AND COLLECTION ATTEMPT CREDIT CONTROL ALSO RECEIVED A PERSONAL CEASE AND DESIST VIA CERTIFIED # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfers

I am writing about a wire transfer fraud issue that occurred to me several months ago. I am reporting it now because the fraud was with my accounts at Wells Fargo and it is clear that Wells Fargo has several internal issues. The fraud was characterized by first a small " testing '' wire transfer followed a few days later by a large wire transfer of several XXXX dollars. I notified Wells Fargo of this fraud upon my realization ( a few weeks after it occurred ) and they immediately addressed the situation though the process included opening new accounts and closing the old ones over a period of a few months. The closing of the compromised accounts was done very slowly with WF telling me they could only accomplish the closures at the beginning of the next month. I was shocked that a wire transfer fraud could occur! It was clear to me that this was an " inside job ''. I had, a few months earlier, wired money from my account to complete the closing of a large mortgage for a home purchase. It was clear that the information from my mortgage had been used to commit the fraud. There was a name ( no doubt another fake account ) on the wire transfer. The whole process took quite some time to resolve. I believe that other than the massive inconvenience and the time that I had to dedicate to resolve the issue I did not have any additional financial costs. Again, I am writing this because it is further evidence of significant internal problems at WF. Wire Fraud is not simply " opening new accounts to meet a sales goal ''.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Responsibilities of furnishers of information to consumer reporting agencies. 

Section ( F ) reporting information during XXXX pandemic ( i ) Definition in this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer XXXX or more payments, make a partial payment forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX. 

Covered period The term Covered Period means the period beginning on XX/XX/2020 and ending on the later of___ 120 days after XX/XX/2020 ; or later or 120 days after the date on which the National Emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/2020 under the National Emergencies XXXX ( XXXX U.S.C. XXXX et seq. ) Terminates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Reporting Agency removed an open account with XXXX  XXXX from my Credit Report as well as the inquiry ( Hard Copy ) and refuses to resolve the issue. For 5 hours today, I have been on the phone trying to resolve the issue with them. The first agent I spoke with in the Membership Dept told me that they had not received a report from XXXX XXXX for the last 6 months. The account has only been open for 6 months so I knew she was not telling the truth. Also, I have received emails from Experian stating what a good job I'm doing with my credit payments. She then stated that she would transfer me to the Dispute Department. I was on hold for 10 minutes. I then got someone who stated he was a Supervisor for the Membership Dept and that my open account was removed due to Fraud. Stated it was a Fraudulent Account. He then stated he would transfer me to the Fraud Dept. I waited to speak with someone who asked for my personal information again and said he could only see my information if I give him my birthdate, social security number and zip code even though I have an Experian Membership. I refused because he didn't sound legitimate. I called again and got the Dispute Dept who said the same thing. She said she needed the information for a Dispute. I asked to be identified by my Membership ID or some other way and that I was told by the Membership Dept that she only needed my middle initial or name to identify me. I explained that I have been a victim of Identity Theft and Fraud and I didn't feel comfortable giving that information over the phone, but I did give her everything she asked for except my birthdate. She stated she was not able to pull up the information with anything except my birthdate. I called the Membership Dept again and spoke with someone who said he did not see anything in the records about what I had been told earlier. I asked for the Fraud Dept. He said he could transfer me to the Dispute Dept. The account has been on my Credit Report from XX/XX/XXXX until XX/XX/XXXX when I filed my first complaint. It was removed after they received the first Complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 There is incomplete and inaccurate information on my report.
Product: Debt collection

I received on XX/XX/XXXX a call from XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX at XXXX stating this message was strickly just for me. ( no name given ) There was a complaint filed with 3 allegations and I was urged to call back at XXXX. If I did not I would have an arrest warrant and have the police take strong legal actions. I did not return the call. 
On XX/XX/XXXX received an email from XXXX XXXXXXXX stating this was a final notice I had to send payment in 24 hours or a case would be downloaded against my name & social on XX/XX/XXXX. Legal charges are under section 9 and chapter 19. ( of what?? not stated ) Once the case was downloaded I would receive a court summons on my doorstep. ( has not happened as of today ). Stated : i might be immediately sacked by my employer ( self employed ) as they will be notified. My credit ruined. Wages garnished.. Bank accounts/Credit cards frozen. 
The IRS put a hold on my tax return. ( Someone has used my ss # for XXXX tax filing & I mailed ID theft with XXXX tax return : 180days from XX/XX/XXXX to get answers ) They wanting to know my clear intentions to above mentioned loan account ( no info ) I could contact them at XXXX.replied have wrong person do not contact me. Today I received email from XXXX XXXX attorney XXXX XXXX XXXX XXXX tx billing dept Case # & amount stating I had 4 serious allegations against me at the United Legal Investigation Bureau ( who?? ) Their policy is accts over 180 days to try take care of this bill, giving payment options send payment to XXXX XXXX XXXX or contact at XXXX. My name not used just " you ''. sent back reply : Need to see loan papers/.signature ( dont e-sign ) I did not have payday loan. I only get loans from where I bank. That I would be filing complaint. As attorney would know I would need to be notified before this and have not but a phone call & 1st email. No attempt to provide proof they had the correct person who took a payday loan. Never received any late notices from Ace Cash 6 months ago or longer. 
I HAVE NOT TAKEN A PAYDAY LOAN!!!!
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to Equifax, XXXX and XXXX by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 

Accounts listed below. 
1. Account Name : XXXXXXXX XXXX XXXX Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX XXXX. Account Name : XXXX XXXX / Account Number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX. Account Name : XXXX  Account Number : # XXXX XXXXAccount Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX .Violated my rights.
Product: Credit card

On XX/XX/XXXX an order was placed with XXXX XXXX. On XX/XX/XXXX at XXXX XXXX I contacted XXXX XXXX and was told by XXXX representatives that they could refund my purchase, however they would need to escalate to a supervisor. This happened at least XXXX, and the way things were left in an actual conversation was that if I refuse delivery, I would be able to get my money back. Per their instructions, I at no time opened or accepted the package, it was returned to XXXX and shipped back as evidenced in the tracking number. The final signature is not mine. I am being extorted into paying for an item that was not accepted from the courier, off the conditions PROVIDED by XXXX XXXX to be refunded. Information was falsely provided to Synchrony Bank by XXXX XXXX for my dispute. Now I am stuck with no headboard, and a {$700.00} charge when I only followed the instructions I was provided with BY XXXX XXXX. It's extremely manipulative and looks like a deceptive practice.
Product: Payday loan, title loan, or personal loan

Back in XXXX I got a Payday Loan from XXXX XXXX XXXX XXXX for {$300.00}. I paid this loan back in full but now I see them on my Credit Report for XXXX they said it was opened on XX/XX/XXXX I asked them to show me any Paperwork showing be wear I signed for a loan or the check that was used
Product: Credit card or prepaid card

On XX/XX/XXXX We made a purchase for {$1300.00} at Lowes store number XXXX in XXXX XXXX Virginia using our Lowes Credit card. As the sale was being finalized and the Lowes credit card had been swiped the store 's computer went down which prevented the store form printing a receipt. When the system came back up there was no record of the sale in the stores computer so no receipt was able to be printed. A manager called card services and he was assured that the charge would not post and if it did it would be removed. Based on that call the store re-rang the purchase and we processed the Lowes card for the identical amount of {$1300.00}. On XX/XX/XXXX the both charges appeared on our statement despite the assurances that only one charge was going to be processed. 

We called the credit card company and disputed the charge on XX/XX/XXXX. On XX/XX/XXXX we received an automatic stating that our dispute had been resolved on XX/XX/XXXX without any detail. We opened the email on XX/XX/XXXX and immediately checked the account only to see the charge was still showing. After ~2 hours on the phone and being transferred around to multiple people how could not/ would not help I was placed in contact with XXXX XXXX She realized that the original dispute had been entered incorrectly and therefore closed incorrectly. She re-opened the case with clear notes as to the facts and assured us that no interest would accrue on the charge while it is in dispute. 

On XX/XX/XXXX, we called Synchrony Bank for a status update. After only being told that the charge is being disputed I asked to speak to a manager. the Manger said that Synchrony Bank does not credit accounts and that they have to wait for Lowe 's to process a credit. I had to push to understand if they even had reached out to Lowe 's to get this resolved. to which he said that they had reached on on XX/XX/XXXX. two weeks after I called. The bank could not say what they were actively doing to resolve this. The statements say to dispute charges we have but then they do nothing to actually get resolution. 

Simultaneous with the above efforts I have reached out to the Lowes store we made the purchase at to see if they will help. Unfortunately the Managers on duty do not call back and when we have spoken to the customer service desk they point us to the credit card company. 



Desired Resolution : the Duplicate charge removed from my account with no accrued interest owed.
Product: Credit reporting or other personal consumer reports

Capital one is reporting late payment for XX/XX/2019 and have failed to provide proof of late payment. 
I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. 

It is an unfair act for late payments to be reported. It is a violation of the law, invasion on privacy, Pursuant to 16 CFR 444.4 an Unfair act of practice Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law.

Who did you speak to?

My finger prints?

Original contract? 
License number? 
Wet ink signature? 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 

Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 )
Product: Credit reporting or other personal consumer reports

I Sent my letter off on XX/XX/2023. I told the credit bureaus to investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Also, Ive sent in numerous letters to have the bureaus fix this error, which they have failed to do. On. 

( List the accounts Accounts ) Type of Account : Collections Collection Account : XXXX Account Number : XXXX Type of Account : Collections Collection Account : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting

Equifax send back results as verify by creditor when account has been dispose off or accounts have not been properly verify.