23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX of XXXX I reapplied for a rate reduction program that lowered my interest rate to continue a monthly payment I could afford. In XX/XX/XXXX I lost my job and was accepted into an XXXX XXXX so I could begin an effort to seek more lucrative employment. 

When I realize I would have to temporarily stop payments due to having NO MONEY coming in, I called to request a pause. The representative on XXXX XXXX told me that not only would they NOT pause my payments my rate reduction plan was ending so my payment would increase and I would only be able to call back the following month to even re enroll in the program, leaving me subject to a higher payment. I requested the amount of the higher payment and due date but was denied that information and told to call back. 

I had two autopayment verbally authorized monthly that I was trying to make sure were no longer in play on this XX/XX/XXXX phone call and was repeatedly told to call back to do anything. On XX/XX/XXXX, Navient illegally cleared out my checking account for a payment of {$700.00}. My previous authorization had only been for theXXXX of the month for two payments of {$60.00} and {$310.00}. Under no circumstances did I agree to pay {$700.00} via auto payment on the third of the month. 

Additionally, when I called on XX/XX/XXXX, I was asked yet again, for above the XXXX time, for my co-signer who died in XXXX. Upon his death I immediately submitted his death certificate and all required information. I supplied this information 3 different occasions and their continued ask and incompetence regarding this issue continues to create emotional stress each time. 

When I requested a refund I was told the process would have to be reviewed because my account was technically delinquent, despite having set up payments that I could afford ; NO MENTION OF INCOME BASED REPAYMENT, and flat out denial of pausing payments. Dealing with this company has continued to cause me undue stress while I have made every attempt to continue to pay despite my financial situation. I have been threatened with default, despite consistent monthly payments for years ; I was also told by the collections manager, XXXX XXXX who reports to XXXX XXXX, that I agreed to higher payments at the end of the rate reduction program or they wouldnt have enrolled me. I was not given a single chance to communicate my income changes and I did not authorize any direct debit from My account aside from the two amounts on the XXXX of each month. They have illegally taken my money and are trying to blame me for it despite my continued efforts to contact them. PLEASE HELP, these people are vultures.
Product: Debt collection

I am writing to file a formal complaint against ALLY FINANCIAL, a collection agency, for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 
ALLY FINANCIAL, with contact information at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, Phone number, XXXX, has failed to provide validation information as required by XXXX CFR 1006.34 ( b ) ( 5 ) while reporting a collection account on my consumer report. This action directly violates my rights under the FDCPA and CFPB regulations.

Furthermore, I have not been given the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide a fair and transparent dispute process is a clear violation of my consumer rights.

In addition, I believe that ALLY FINANCIAL has engaged in false, misleading, and deceptive practices in their collection efforts, further violating my rights under the FDCPA. Their actions are in direct contravention of 15 USC 1681s-2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ), which prohibit the furnishing of information to consumer reporting agencies without the required disclosures.

I kindly request that the CFPB investigate these violations and take appropriate action against ALLY FINANCIAL to ensure that my consumer rights are protected. I also urge the CFPB to take all necessary measures to hold ALLY FINANCIAL accountable for their unlawful conduct.

Enclosed with this letter are copies of relevant documents supporting my complaint. I appreciate your prompt attention to this matter and look forward to a resolution that upholds the laws designed to protect consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, Experian refused to correct my current score with them back to pre-student loan debt transfer. It is not my fault I should be punished for something XXXX and XXXX did when reporting their transfer. I did not abruptly pay all my debt off and get myself into debt again. Experian corrected my score when they first mistakenly added double my debt. There is absolutely no excuse for their refusal to say there is nothing they can do about it regarding interpreting the debt transfer.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I requested a {$7900.00} wire transfer using the First Republic Bank mobile app. I got an email stating that the wire had been scheduled. 

Next day, on XX/XX/XXXX I received a second email stating that the they were unable to complete the transaction. At the time I did not see this email and thought the wire had gone through. 

In the mean time, the wire was not reimbursed or returned to my account. 

XX/XX/XXXX - The recipient informed me that the money never reached their account. I asked my account manager to please explain what had happened. He reached out to the wire team. 

XX/XX/XXXX - I still had no response from their wire team, and asked to get the money refunded. 

XX/XX/XXXX - spoke to customer support and they said they would get back to me which they never did. 

XX/XX/XXXX - the wire team responded through my account executive that The funds have not yet returned. Beneficiary has been contacted for debit authorization. To help escalate the return of the wire, please advise the client to contact the beneficiary and request them to provide debit authority to their bank. 

This is absurd. The beneficiary never received the wire. As mentioned FRB sent me an email stating that the wire was unsuccessful ( which means they could not deliver it ). How can they ask me to get the recipient to authorize a debit for a wire that they never received and that FRB acknowledged that they never delivered? 

The money was never delivered to recipient and has not been refunded 28 days after it was debited from my account.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX 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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$25000.00}
Product: Debt collection

My car was stolen with my all my important information and documents in 2018 ever since then Ive been receiving phone calls from all kinds of debt collectors saying that Im in debt for a lot of different things that I have no clue about and this collection falls in that category Ive never had any services with XXXX
Product: Debt collection

I was a victim of ID Theft. I sent a Dispute Letter to Midwest Credit Collections on XX/XX/XXXXand another onXX/XX/XXXX of which they sent ME billing statements of the alleged debt but not a contract with my signature specifying that it was me who signed a agreement for the alleged debt. I enclosed a copy of the ID Theft Affidavit as well as the Dispute Letters sent to Midwest Credit Collections of which all of the fraudulent accounts listed on the Affidavit have been removed from my Credit Reports EXCEPT Midwest Credit Collections and one other of which I am also filing a complaint, all well as filing a law suit. Is Midwest Credit Collections above the Law??? The FDCPA and FCRA!!!!

Please also include Account # XXXX   1/.XX/XX/XXXX Account # XXXX XX/XX/XXXX Account # XXXX  XX/XX/XXXX
Product: Checking or savings account

I was slammed through XXXX last year. XXXX was my wells fargo account. I lost close to XXXX  XXXX. The minute I realized it was a scam, I called Wells Fargo and asked them to do something about it. They claim they did some investigation and requested money back from the scammer but I did not get my money back. That was all of my savings and my XXXX account even got hacked by this scammer. I lost a lot bur wells fargo didn't sympathize with me or refund my money back to me.
Product: Debt collection

XXXX, I initiated the debt validation process by sending my initial request via regular mail to LVNV Funding LLC XXXX Subsequently, I sent two additional debt validation requests via USPS Certified Mail with Return Receipt Requested, each with a unique mailing request number. The tracking numbers for these certified mailings are as follows : USPS Certified Mail Mailing Request # XXXX USPS Certified Mail Mailing Request # XXXX As per the FDCPA, LVNV Funding LLC is legally obligated to respond to my requests for debt validation within 30 days of receipt of the request. However, I have not received any proper validation of the debt in question or any response from LVNV Funding LLC. This lack of response is in direct violation of my rights as a consumer and my rights under the FDCPA. 

I would like to remind you that the FDCPA requires debt collectors to provide verification of the debt and the name and address of the original creditor upon request. It is disheartening to note that LVNV Funding LLC has not complied with this statutory obligation, and as a result, I am left with significant concerns about the validity of the debt in question. 

I am now left with no choice but to report this issue to the Consumer Financial Protection Bureau ( CFPB ) for further investigation and action. The CFPB is responsible for ensuring that debt collection agencies comply with the FDCPA, and I believe it is necessary to involve them in this matter to address these violations promptly.
Product: Debt collection

Sent a debt validation request and was refused by NEMO collection agency. Please see my attached evidence for the refused delivery marked by the USPS office. I never received my right to dispute the debt as allowed under the FDCPA & FCRA act. The debt was just added to my credit reports without knowledge. I can not have my right to dispute or request validation of the debt and HIPPA consent requested. This debt must be removed immediately due to refusal to allow my validation of the medical debt in question. Now once you review this complaint you will know my rights and request and will be under the statue to comply. Also sent a fax on XX/XX/2019 Letter attached for Nemo Collections Returned Envelope marked as refused by postal worker attached.
Product: Debt collection

I notice d two months a go upon receiving my annual credit report that there was a debt I did not recognize. I suspect this debt to be fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian numerous letters and copies of my credit report showing the inaccuracies of accounts that are reporting incorrectly on my credit file. They continue to respond stating the accounts are accurate or updated however, I have shown proof that their investigation was not properly done. The 1st letter was sent on XXXX showing them the below accounts were reporting inaccurately on all 3 bureaus. I sent a 2nd letter on XX/XX/15 highlighting the same accounts reporting inaccurately and letting them know that even after bringing this to there attention they continue to allow the information to report wrong and this is a violation. These are blatant FCRA violations and need to be addressed immediately. The accounts mentioned in this complaint have different date of last activity and date of last payment dates on all 3 bureaus. Clearly inconsistent information shown to Experian numerous times. Attached are the proof as well as the letters sent to Experian showing they failed to conduct a proper investigation.
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX Santander Bank froze my loans after I received two checks from fema. I then had to switch to a new bank and requested payoff statements from XXXX XXXX. She provided these with {$0.00} listed as the satisfaction fee. My new bank then paid off the amount using the new loans. Flash forward to XXXX, XX/XX/XXXX. I realize I never received a payoff statement during another round of fema. I tried to deal with this with Santander but they informed me I owed a satisfaction fee which they took out of my new bank account.
Product: Debt collection

I just received an email from Jefferson Capital Systems , LLC. mentioning that they have important information about my account. However, when I viewed my credit report, I do not have any collections on either my XXXX  and XXXX  reports. I called the number provided and they immediately asked me for my " reference number '' but I was not given one, and they also asked for my Social Security Number. I just hung up the phone and did not want to deal with that. The email they sent me was from XXXX, and their own website states that they use that email for outgoing emails. 

I am not aware of any debt outstanding.
Product: Checking or savings account

On XX/XX/18 I notified HSBC via their Bank Mail service that a check had been honored on XX/XX/18 that was not written or signed by either myself or my wife. The check image ( attached ) on the website was blank except for the amount of {$40.00} that had been paid. 
I do not know how this check came into someone's possession that enabled them to present it, but I consider this to be a criminal act. 
Clearly it should never have been accepted by either of the financial institutions that processed it. 
HSBC 's response ( attached ) was not even understandable as English. 
I also telephoned the check fraud department whose only response was to tell me I should visit a branch to close the account and open a new one. 
I wrote to HSBC customer service on XX/XX/18 ( letter attached ) and have received no reply.
Product: Money transfer, virtual currency, or money service

CASHAPP IS A SCAM ALL THE MONEY, I PUT IN I NEVER ACCESSED IT MY NAME IS XXXX XXXX THEY HAVE NO PHONE NUMBER TO GET ALL MY MONEY BACK. 

XXXX XXXX SCAMMED ME OUT OF CASH APP MONEY XXXX XXXX SCAMMED ME OUT OF MONEY MY BENEFICIAL BANK ACCOUNT IS CLOSED DUE TO THE MERGER OF XXXX. 

I NEED ALL MY CASH APP MONEY BACK.
Product: Credit reporting or other personal consumer reports

I received a copy of my payment history with XXXX XXXX but they only reported the account to XXXX and not all three bureaus but the information reported is inaccurate, the information shows that the account is still open and its not and i have documents to prove that its closed already and paid on time
Product: Credit card or prepaid card

I XXXX XXXX XXXX lost my wallet approximately by XXXX in XXXX XXXX CA. Since then, i have a lot of issues every year to fight against different fraud activities under my identity. The one of the last one is open under my name as a fraud account " Sears/cbna '' on XX/XX/XXXX with account number # XXXX with balance due {$850.00} Dollars. I never apply, i never received, i never used it and i didn't know about this account until appear under my name as a " charge off " account. I try to fight and fix this issues but, they advise me to report this account and sent a copy to the credit card bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian that was delivered XX/XX/XXXX about some inquiries I never authorized please produce what certifiable validation or verification of authorization of the following inquiries. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I financed directly with XXXX XXXX  to purchase my vehicle on XX/XX/XXXX these other inquiries are fraudulent and needs to be removed asap. I have XXXX cards open long before XXXX and XXXX long before XXXX. I financed my other vehicle in XXXX of XXXX with XXXX XXXX XXXX so the other inquiries are unauthorized pulls of my report and needs to be removed promptly. 

The only name that should be reported is XXXX XXXX.
Product: Checking or savings account

We have a Premium Checking Account at M & T Bank. One of the features of this account is " Free Standard Check Orders. '' This information is publicly available here XXXX XXXX XXXX XXXXwww3.mtb.comXXXX. We attempted to place an order for free checks online, over the phone, and at the local branch. In all cases, we were instructed to pay a third party for the checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and did not make the charge. I ask that the item be blocked to correct my credit report.I found that under section605b of the FCRA the creditors are required by law to REMOVE any account which is found to be opened dueto identity theft. 

I urgently need assistance in determining who attempted to steal my identity and personal information to register for services under their own name. I intended to file a lawsuit against whomever this individual is. 

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 for this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

CLEAR ONE ADVANTAGE : I spoke with a representative from Clear One Advantage in XXXX of XXXX. At that time, based on my debts, they estimated that I would pay {$10000.00} and I would be done with the program in XXXX of XXXX. As of now, XX/XX/XXXX, I have overpaid their estimate by {$8800.00} and still have three creditors that they haven't even reached a settlement agreement with yet. By the time I'm done, it will have cost me over {$12000.00} more than what the estimate was and it's taking at least 10 months longer. I understand that it was an estimate. However, they have been in business for 16+ years and have worked with these creditors many times over. The estimates that they give are significantly lower than the reality to make it seem like a better option than it really is. I used their chat feature to speak with one representative of the company and spoke with another on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple requests to remove the incorrect account reporting on my Experian Credit File, the last attempt was under claim # XXXX in XXXX, I disputed this information more than 2 times. XXXX XXXX  XXXX has upheld the decision meaning they are allowing someone else to use my SSN which is clearly a violation of my rights. The person on that account : XXXX XXXX XXXX Seems to have a similar name but that is not my name. 

I even tried to reach out to XXXX XXXX XXXX and they also failed to do anything. I spoke with a representative from their fraud department named XXXX on XX/XX/XXXX. 

Please help me
Product: Vehicle loan or lease

I am XXXX XXXX. My car is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Chase auto finance wrongfuly repossessed it in XX/XX/XXXX not in XX/XX/XXXX. They only see my XXXX payment. I was paying even when chase branches was closed due to covid-19. I paid {$600.00} in XXXX {$1000.00} in total on XX/XX/XXXX in a chase branch when chase branches was closing due to XXXX. Chase sent me a letter saying I don't have to pay during the six month grace period but I paid anyway. I have all the proof of payments. They refused to reboot the whole system.
Product: Debt collection

2015 garnishes my pay check No knowledge of debt No contact from collections agency just letters from court about garnishment