23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX or XXXX, a debt that had fallen off my credit report in XXXX was put back on my report. This was a debt from XXXX, so I disputed it and asked the company to send me the information on the original debt as well as when they acquired the debt and explain how and why it was on my credit report in XXXX because as far as I knew I had no account with them or XXXX XXXX XXXX currently & I had received no kind of correspondences prior to XXXX of XXXX. When I received the letter from them it contained what looked like a bill from XXXX XXXX XXXX stating that I owed {$140.00}, dated XXXX of XXXX. I was confused since I currently have no account with XXXX XXXX XXXX and was given NONE of the information asked for. When I called I was told that they had acquired the debt in XXXX, again I received nothing from them, and they restarted the debt then. When I told her it was illegal for them to restart a debt from XXXX just because they purchased it in XXXX of XXXX, I was hung up on. I live in Washington State and I don't think that this is a fair or legal practice.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have thoroughly reviewed my credit report and would like to inform you of the inaccuracies it contains therein ( see list below ). U.S. Code 1681c-2 compels a Consumer Reporting Agency ( CRA ) to block collection activity the consumer identified as information associated with ( or resulted in ) alleged identity theft. As a reported victim of identity theft, in violation of the above code, EXPERIAN, XXXX, and XXXX are legally culpable. For instance, under U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), consumer reporting agencies may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. To date, I have NEVER given or afforded any Consumer Reporting Agency, or any such entity WRITTEN CONSENT to report or furnish personal consumer data. 

Next, I contend that EXPERIAN, XXXX, and XXXX have conducted superficial investigations into earlier submitted consumer disputes. Thereby, relevant information failed to be forwarded to data furnishers uncritically and without examination or scrutiny, accepting e-Oscar responses. Moreover, these responses were routinely found to be implausible or contradicted available information. Despite previous disputes, EXPERIAN, XXXX, and XXXX have failed to properly investigate and correct inaccuraciesresulting in undue personal and professional harm. I respectfully request that the Consumer Financial Protection Bureau take immediate action to compel compliance. SEE ATTACHED SUPPORTING DOCUMENTS.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away XXXX XXXX  XXXX Balance Owed : {$790.00} XXXX XXXX  XXXX Balance Owed : {$870.00}
Product: Debt collection

I have contacted the collection agency about this debt. Ask for documentation with my signature of it proving I won this debt, which they have failed to do. I tried to pay-to-delete just to resolve the issue and they could not agree to terms even after I asked to verify I own the debt. The sent an detailed copy of the charges, but not documentation with my signature on it. Have disputed with the credit reporting agencies and they can not provide how it was verified. They are also showing a past due amount
Product: Credit reporting or other personal consumer reports

I submitted a dispute to this agency last month and I haven't received the investigation results
Product: Credit card or prepaid card

On XX/XX/ there was two fraudulent charges to my Paypal card which I use through my online stores. I was sent an email from Paypal stating that I had suspiocious activity, at the same time these two chrages came through- they were in the amount of {$460.00} and {$220.00} - both to XXXXXXXX XXXX XXXX I called them and they agreed and took them out of my account. On XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  ran them back through - I called Payapl immediately and they said " not to worry '' they would be stopped. The next day, XX/XX/XXXX, Both Charges hit my bank and overdrew me! On that same day XX/XX/XXXX, I had a sale from one of my stores for {$180.00}. After they took their commission I should have received {$150.00}. Instead of giving me the money they owe me, they took that against the {$460.00} that was - as they agreed - a fraudelent charge! They have now refused to give me back my money which is in the amount of {$150.00}. As a side note- they wanted me to wait a couple of weeks to investigate further before they would credit my bank account for the {$460.00} and {$220.00} - inwhich I would have to come up with the {$680.00}! I called my bank ( XXXX ) and filed fraud charges. Paypal then said that - '' There's nothing they can do! '' I want the money from my sale of {$150.00}. It is mine and they, Paypal stated that both of those charges to XXXXXXXX XXXX XXXXXXXX was fraudulent!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that XXXX, XXXX AND TRANSUNION initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unauthorized inquiries as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with 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. 

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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reports containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes that antedate the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payments were posted in XXXX and XX/XX/2018 for my XXXX  account. Still there is 30 d late reported to XXXX/XXXX and Experian. I asked XXXX/XXXX  and Experian to investigate. They still keep show 30 day late.
Product: Payday loan, title loan, or personal loan

I had a loan through them prior. So I logged online to do the no inquiry rate check on a new loan. I put all my info in and it said I was approved. The rate was too high for my credit score so I decided not to go any further with the application. It was also asking me to upload my paycheck stub to proceed any further. Which I did not do. Then a few days later LendingClub deposited the funds into my account! Come to find out buried in the phone book of size 1 font disclosures, just by checking my rate from the invitation they mailed me, they had singed a promissory note on my behalf, waived proof of income and proceeded to financially XXXX me and deposit funds into my account. I sat on hold twice for over an hour before finally hanging up. I sent 20+ emails to XXXX and XXXX. I asked them to immediately cancel this loan I did not consent too and was told I had to pay back some XXXX dollar hidden fee I didn't even know about! Finally someone named XXXX emailed back and said they would cancel the loan. They took the deposit back out of my checking account but when I log into lending club it still shows I have two payments remaining for XXXX dollar fee theyre trying to charge me. This is crazy. You call and they say you have to talk to customer service where you sit on hold for eternity. I have emailed multiple times and they keep saying they're working on it. It's been 5 days! This is so wrong what they did. I work in finance.. think of all the people that don't know any better and lendingclub just gets away with it. There are so many FTC/UDAP violations they're breaking here. Please help me get this loan I did not consent to canceled and ensure they don't do this to unsuspecting people in the future.
Product: Debt collection

Mortgage Assistance application and XXXX were recently submitted to Fay Servicing XXXX. Foreclosure sale date for XXXX XXXX, XXXX received letter from attorney. Request foreclosure sale canceled till processing of mortgage assistance application is complete. Spoke with XXXX ID # XXXX Fay Servicing XXXX she said because me refused the previous modification there would not be any foreclosure protections for me. Fay Servicing documents I received was dated XX/XX/XXXX. I did not receive documents until XXXX. Documents required me to accept the offer by XXXX XXXX, XXXX XXXX Trial payment was due XX/XX/XXXX. Called Fay Servicing XXXX XXXX. XXXX customer service they stated they did not know why the documents were not mailed to me. There is a problem with Fay Servicing, servicing my loan and the modification documents. I am requesting property foreclosure sale be canceled.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have several email correspondence about this matter. we have several calls as well regarding the call 's, text, and request to pick up the car and they've yet to pick up the car, provide the title for the car, give any information regarding the next step of the process and this is driving me crazy. I am XXXX in the military and as I serve my country this is the last thing I need is to be dealing with this mess. We have done all we can to get this matter handled and they are penalizing me credit-wise, refuse after several made appointments to pick up the vehicle and I can't keep trying to handle this matter on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit reporting accounts listed below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, Original Creditor XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, These accounts have 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 customer reporting agency can not furnish a account without my writen instuctions.

15 usc 1681 i ( 5 ) inaccurate credit reports directly impair the efficiency of the banking system
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Today, I contacted both the Exchange Credit Program and  XXXX   XXXX   XXXX  to inquire about a debt that incurrent in  XXXX  of  XXXX . I was told that the balance on the account as of today was {$2800.00}. The original balance on the account was {$2400.00}. The company has already taken {$1300.00} from my tax returns. I never received notice, a court order or anything stating that my tax returns would taken. I was told that the account had a collection fee and interest since  XXXX   XXXX ,  XXXX  by  XXXX . I was told by the Exchange Credit Program the account was not transferred to  XXXX  until  XXXX . I have received zero proof, a letter stating they were collecting the debt but the account is still being reported on my credit report.     There are some many things wrong with the situation. (  1  ) The incorrect balance and added fee ( Which maybe be against the law ), (  2 ) Reporting  to my credit report without notice ( 3 ) Garnishment of tax returns without notice.     *****The exchange credit programs acts as if its a federal agency doing whatever it wants to do because it offers credit to military members. ********
Product: Credit reporting or other personal consumer reports

I applied but I have issues in my background check or the fair credit reporting
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 cbs collections XXXX XXXX XXXX XXXX XXXX retail merchants association XXXX XXXX XXXX XXXX XXXX synergetic communication XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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.
Product: Money transfer, virtual currency, or money service

I opened an account with Square couple of weeks ago so I can charge my clients on my website. I received the first payment without any problem and suddenly I get this email from them : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - After a comprehensive review of your account, we have determined that we are still unable to process payments for your business. Our decision to deactivate your account is final. 

Any funds currently in your account balance will be held for a period of 90 days and released to you on XX/XX/2021. Theyll be available in your bank account within 2 business days. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - They are retaining {$390.00} that I could be using on XXXX XXXX. I have provided them all the information they ask. They don't want to release the money before 3 months. Please help. 


Business Name : XXXX Email Address : XXXX Thanks
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Re : Accounts XXXX ( reference # XXXX ) XXXX. XXXX ( reference # XXXX ) To Whom It May Concern, I am writing to address your recent communication regarding the account you claim to have purchased after it was discharged. Your assertion that I was served a summons on XX/XX/XXXX, is categorically false. I demand immediate clarification on who allegedly served these documents and to whom they were delivered. 
During that time, and a year prior I was facing mental and medical issues while grieving another XXXX during the time frame you claimed I was served on XX/XX/XXXX. Given these circumstances, I was not able to receive or respond to any legal notifications due to being depressed and recovering from a medical procedure. This was a period of immense personal crisis, and your claims are not only unfounded but deeply insensitive. I have also included a couple of my medical documents to support my claim against you. 
I must emphasize further that I did not authorize the sale or transfer of my personal information to any third party. Under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ), consumers are entitled to notice about the sharing of their personal information, and I was never given such notification or opportunity for consent. Additionally, the California Consumer Privacy Act ( CCPA ) grants consumers the right to know what personal information is being collected and prohibits its sale without explicit consent ( Cal. Civ. Code 1798.120 ). Your actions are in clear violation of these laws.

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) and the Uniform Commercial Code ( UCC ) protect consumers from being pursued for debts that have been charged off by the original creditor. Specifically, UCC 9-622 states that once an account is charged off as a loss, the original creditor has already received compensation for that debt. Pursuing further collection on such an account is not only unethical but may also be unlawful.

Additionally, the FDCPA prohibits the use of unfair practices in debt collection, including serving documents through unauthorized third parties. Section 806 of the FDCPA specifically states that debt collectors must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, which includes proper service of legal documents.

I am demanding that you immediately delete your claim from all consumer reports. If you fail to do so, I will be forced to take legal action against your agency for violating my rights as a consumer and for any damages resulting from your erroneous collection efforts.

This is a serious matter, and I expect your prompt attention. Until this dispute is resolved and your claim is deleted, I demand that all collection activities cease immediately.

I look forward to your swift response, including the requested information regarding the alleged summons and confirmation of the deletion of your claim. 
Kind Regards, XXXX XXXX
Product: Mortgage

I have a mortgage with Ditech. In XXXX of 2019, I was approved for a modification and placed on a 90 day trial which I completed. Once completed Ditech informed me that they would send out a notary to complete modification process. That did not take place. Ditech has now sent a letter to me resending modification because I have a line of credit with XXXX XXXX XXXX XXXX. One loan  has nothing to do with the other. Now Ditech is asking for a lumpsum payment to prevent foreclosure. Having an FHA loan qualifies me for several modification options including partial claims where a one time claim is filed for the insurance fund to pay delinquent amounts to bring my mortgage current. If approved I am responsible to pay amount back to FHA if I sell or refinance house. Ditech is refusing any assistance to force me into foreclosure. They are asking for the lumpsum of {$10000.00} by XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed A collection with XXXX. XXXX XXXX XXXX SERVICES. Are reporting my XXXX XXXX account as {$860.00}. The amount owed is {$860.00}. My Experian credit report. Shows this same account as XXXX XXXX XXXX XXXX. XXXX XXXX account as {$860.00}. I received a Certified Letter from AD XXXX XXXX  XXXX  today. From the USPS. This Certified document. Shows I owe {$860.00}, not {$860.00}.
Product: Debt collection

They are attempting to collect a debt that doesnt belong to me. They are demanding immediate payment from me without providing any proof they have the right person.
Product: Checking or savings account

In 2023, US bank cloesd my bank for no reason, then I was told I owed US bank {$110.00} for no reason, this is absurd. And after XXXX year, US bank hired XXXX XXXX to collect my debt, I just don't know what is going on.