23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

To whom it may concern, I, XXXX XXXX am writing you as an aggrieved man. My identification was stolen, and a CAPITAL ONE account was opened in my name without my knowledge and or consent. I, XXXX XXXX am not and have never been a customer of CAPITAL ONE. I have obtained a police report regarding this fraud and am forwarding it along for you to view. Please remove this fraudulent debt out of my name poste haste. Thank you. 


I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. You can not add interest or fees except those allowed by the original contract or state law. Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission, and the XXXX XXXX XXXX. I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) , then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor, so they are also aware that I dispute the debt. 
Furthermore, reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. If your offices have reported invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State Laws.
Product: Debt collection

Calls repeatedly pressured me to except a agreement to stop the harassing call that happened 5-6 a day said they wouldn't stop calling unless I agree to a payment that was higher than what I owe
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX continues to report an account as open and derogatory. The initial dispute with the data furnisher was issued in XXXX and it was rightfully removed from XXXX. Equifax and XXXX continue to close disputes in a short time saying that the dispute was complete. However, it is hard to believe that they are actually investigating the account b/c when XXXX conducted their investigation they got a conclusive response to remove the account. The account in question was agreed to be removed and forgiven under COVID 19 payment relief. It is paid in full and closed.

In addition, I requested that the bureaus notate on my file per FCRA requirements that the account was a result of a Declared Natural Disaster but they failed to do so.
Product: Debt collection

On a letter date XX/XX/18, Ally sent me a bill for {$1200.00}. I fully reject this as not being valid. A ) There is/was no excessive wear to the vehicle ( {$540.00} ) B ) Sales tax on excessive miles/excess wear and tear if false ( mileage was significantly below what was allowed as per lease agreement ( {$47.00} ) C ) Total Daily Extension Charge is false as the only reason the car was kept past the date in the lease is because Ally, for 4 months lied to both myself and my mother ( the person who was going through the lease buy out ), dragged its feet throughout the process and is guilty of fraud against and elderly woman. They scared her into thinking the car was going to be repossessed on a phone call and she drove that day to the dealership to turn the car in. The {$620.00} listed for that charge is their own fault. If they proceed in taking this matter further, I'm going to district court to file a countersuit in the tens of thousands due to all of the lost money paid into the vehicle for the lease. The process was initiated for the lease buy out in XXXX and in XXXX the lied to my mother ( whose primary language is not English ) and scared her into surrendering the car. This is after I have proof in an email that the buy out application was approved. Given that I am in MA, that is the only reason I haven't filed a suit against Ally already. Now I will have to take time off to sue them.
Product: Debt collection

Repeated telephone messages from Wells Fargo Bank left on XXXX for someone unidentified or unknown. Latest message on XXXX XX/XX/2018 at XXXX MST. Text : " This message is for XXXX. My name is XXXX and I'm calling from Wells Fargo Bank. My telephone number is XXXX XXXX. My extension is XXXX. Please return my call at your earliest convenience. Thank you. '' There is no XXXX associated with this number and there never has been. The owner of this telephone number has no relationship of any sort with Wells Fargo Bank. Wells Fargo Bank has been notified via telephone callback months ago that they have been calling the wrong number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX have tried the last two years not to provide me this transactions statement of my SSA benefits and avoiding to be forthcoming about the identity theft issue just lying before the regulatory agencies like XXXX XXXX XXXX. Because of my complaints they finally started to send the statements and always telling me everything is correct on the statements are another lie. 

They should be fined and penalized by the CFPB. 

Upon my review of my 1099 social security benefits statement for XXXX it says benefits paid XXXX are XXXX it says repaid none. It says paid by check or XXXX XXXX XXXX it says includes XXXX for XXXX. 

On the statements you have mailed me and employees at XXXX XXXX swear up and down that everything is correct it says but the statement from XXXX XXXX XXXX, XXXX says from XXXX thru XX/XX/XXXX you paid me debit and credit XXXX, XXXX PLEASE EXPLAIN THE SHORTAGE TO THE CFPB IN WRITING.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have been disputed multiple times with all 3 consumer agencies and the issues still continue to affect my life every month for the past few years and this is a violation in more ways than one! 

XXXX XXXX XXXX XXXX CO in XXXX ) and XXXX  ( CO in XXXX ) accounts are continuously reporting on my credit report negatively each month for yearsand it is affecting my credit and re-aging the debt so that it will stay on my report longer. Each month it is also reporting an increase amount monthly ( XXXX accounts ) which also brings down my score monthly. According to FCRA 623 5 ( a ) duty to provide notice of delinquency of account states it should report the month and year, not continuously report for as long as they want. They are in violation and this is UNLAWFUL. 

XXXX CO  account reporting every month negatively on an amount greater than {$600.00} XXXX XXXX XXXX XXXX account reporting a CO amount greater than {$600.00} XXXX XXXX XXXX XXXX  all violations of the laws listed below FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( a ) FCRA 15 USC 1681 ( e ) ( b )
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XX/XX/XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
1.XX/XX/XXXX bal. {$0.00} 2.XXXXXX/XX/XXXXbal. {$0.00} 3.XXXX XXXX bal. {$640.00} 4.XXXX bal. {$21000.00} 5.XXXX bal {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint regarding information the Equifax Credit Bureau provides to creditors. For the past several years, Equifax has continually and deliberately provided incorrect and insufficient information about my credit status to potential creditors. They have been reluctant and obdurate in correcting this matter despite my repeated attempts of informing them of the required changes. I have attached for your reference, copies of previous complaints for the years XX/XX/XXXX and XX/XX/XXXX, which were filed with the Consumer Financial Protection Bureau ( CFPB ). 

I was recently denied credit, once again, by a brand name XXXX XXXX for a revolving credit account. Upon learning of this decision, I proceeded to register for the first time on the XXXX XXXX   App to see why my credit was so bad ; prior to this I had thought that my credit status was fairly good. I was shocked to discover that Equifax gave me a score of XXXX, while XXXX gave me a score of XXXX. The App explains to the consumer that if there is a large discrepancy between scores from different Credit Bureaus then the consumer should investigate the issue. My investigation resulted in discovering that Equifax scores me on 5 total accounts whereas, XXXX scores me on 13 total accounts. Anyone can clearly deduce that the XXXX score is the more accurate one, since it is based on a larger and more recent data set. I have attached copies of the XXXX XXXX screenshots regarding my credit health for your examination. I have also provided these copies to Equifax and the entity that denied me the credit, XXXX XXXX, which incredibly states in their letter that my score is XXXX as of XX/XX/XXXX, and that they consulted Equifax. I am incensed that there are two different scores being reported by Equifax during the same month and year. From this entirely long and drawn out experience it seems to me there is no accountability at Equifax and they can damage peoples credit whimsically. Now, it also appears that their right hand doesnt know what their left hand is doing or worse there is deep-rooted corruption involved. 

Furthermore, both in the XX/XX/XXXX and XX/XX/XXXXcomplaints mentioned above, it was clearly requested that Equifax remove outdated information and provide additional positive information, which it has deliberately failed to do on both occasions. Some time ago, it was explained to me that some credit lenders and other institutions do not have a financial agreement with each of the Credit Bureaus so not all of the consumers information reaches each Bureau and I surmise that this may be the case here. However, I now question how fair can this situation be to the average consumer ; if a Bureau is not required to provide information from a non-subscribed or non-paying credit lender, then the  consumers data becomes biased and is inherently inaccurate. I believe this complaint has merit because of this quid-pro-quo circumstance, which produces bias in a consumers credit data and because Equifax has failed on repeated occasions to make the corrections I have demonstrated are needed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint with Equifax for failing to properly investigate and resolve a dispute regarding XXXX XXXX XXXX and XXXX XXXX XXXX. I would like these accounts removed from my credit report.
Product: Debt collection

I was served with papers from XXXX XXXX XXXX XXXX regarding a loan from XXXX XXXX that was bought out by XXXX XXXX XXXX. I called them to discuss the debt and they had informed me what it was about. I agreed to make a payment arrangment. They were suppose to send me documentation of the debt which I never received. The only thing I received was a Judgment Stipulation by docusign. Due to a hardship I had to consider Debt Relief options. The company I am working with said they needed a statement From XXXX XXXX XXXX group showing the original creditor and the amount owed in order to help me with this debt. I called XXXX XXXX XXXX XXXX and the sent me a payment history. The only information it showed was a payment I made to them and Velocity Credits name. I called velocity Investments and they refused to send me information on the debt. They referred me back to XXXX XXXX and told me to ask for verification of the debt. I emailed them XXXX XXXX back and aked for the verification of the debt. They refused and told me to contact the court. I am filing this because, they never sent me verification of the debt from the start and now it is with the court. I dont understand why.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bureau of Medical Economics is reporting to all three credit bureaus that I owe them a balance of {$370.00}. I never engaged in any business affairs with the Bureau of Medical Economics. I disputed it previously and both the company and the credit bureaus never provided me with a signed contract with Bureau of Medical Economics with my signature. A collection bill is not a validation of debt and I have a right to be provided with proof of my direct business affairs with them.
Product: Mortgage

I made a payment of {$900.00}. Mr. Cooper claims to have reversed {$810.00} of this on XX/XX/23 ( they did not -- they still have the money ) and also now claims I am 8 days late and owe an additional {$84.00}. 

This company has a long history of crooked and predatory practices under different names such as Nationstar.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is a real estate firm with predatory practices to get people to buy. I was able to extract myself from this contract by a grant bargain and sales deed. 

The firm has reported this transaction as a mortgage foreclosure to the credit bureaus. As a timeshare under HUD regulations, it must be reported as an Installment Account. This can be found in HUDs Handbook 4000.1 ( p. 218 ). This requirement applies to all real estate companies. 

I have asked the credit bureaus to contact XXXX regarding this issue, but XXXX refuses to change the reporting.
Product: Credit card

I purchased and prepaid for a two night stay ( XXXX ) at the XXXX XXXX XXXX on a third party website ( XXXX ). 
When checking in I was not told of any additional fees for " resort fees '' or self parking. 
When checking out I was handed without any verbal statement that there were additional charges, so I assumed there were none. 
After leaving the premises, a review of the statement showed that I was charged for 2 days of resort fees and self parking. 
I called the hotel to complain and ask that these charges be removed from my card and was told that they wouldnt do so. 
I called my credit card company ( Bank of America ) to complain and have the charges reversed immediately after they appeared on my account online. 
Today ( XX/XX/24 ) I received notification that the credit card company wouldnt reverse these charges. 
I feel like BOA should fight harder for me as a long time customer. In addition, I believe these charges from the hotel ( XXXX XXXX XXXX ) are not valid since I was never at any point in time told what I would be charged until after the fact.
Product: Checking or savings account

I canceled a pay-in-advance/month-to-month membership with XXXX  XXXX XXXX. 
I contacted the XXXX company and the CEO XXXX XXXX as well as Huntington Bank. 
Huntington informed me the charge was manually canceled. XXXX XXXX informed me he canceled my pay-in-advance membership when I informed him I no longer wanted to be billed. 
I believe it is a violation of consumer law to cancel a pay-in- advance membership and then bill someone for services they didn't receive. 
I am disputing {$69.00} to XXXX billed me on XX/XX/2021
Product: Debt collection

Received a letter notifying me that the company SpeedyCash was turning my personal information into a collection agency due to unpaid loans. I never received any notification by mail or phone prior to this threatening letter. After several minutes and several phone transfers, the SpeedyCash representative advised me to get a police report filed so that the company will stop sending my personal information to a collection agency. After I filed the police report, it was discovered that SpeedyCash did not do their due diligence when giving out multiple loans in my name. They just gave the loans out to somebody with a completely different name and address with my SSN number. The detective stated that that is a huge red flag when giving out personal loans. SpeedyCash still has not put an alert throughout their company to let their people know NOT to loan any money out to somebody that is using my personal information.
Product: Money transfer, virtual currency, or money service

I sold an rare obsolete auto part on XXXX for {$450.00} to a buyer who turned out to be a scammer. He purchased another cheaper about {$50.00} item from me under different account that I didnt realized. I received payments on paypal and shipped items. {$450.00} payment came on 9/30 and so same say I shipped item priority insured with signature confirmation. Second payment came on XX/XX/XXXX and shipped first class mail. Both packages delivered to the same town and state. {$450.00} package signed by man on XX/XX/XXXX. And the other package delivered on the XX/XX/XXXX.

On the XX/XX/XXXX I received message from the scammer stating he didnt received {$450.00} item but the {$50.00} item with picture of the {$50.00} item on top of insured expensive package. Although XXXX suspended scammer accounts as it is was obvious he purchased both items and both items were delivered and he was trying to get money, he went onto paypal and opened the dispute there. I couldnt even respond to the dispute because of time out on their website then couldnt attach my documents ( pictures scammer uploaded on XXXX ; paypal dont communicate with XXXX and have no clue or interest investigating to make a sound decision ). I decided to call them and ask for alternative way to provide documents which they allowed. I emailed supporting documents and heard nothing. A day after that, logged in the resolution center and see that they allowed scammer to return {$50.00} item back but will refund him {$450.00} and they claim that I agreed to it while I specifically said no and asked for through investigation. Where is seller protection they mention? Where is through investigation? I submitted 25 pages of documents showing that this man is a crook and I shouldn't be liable for that. I paid close to {$20.00} to insure, require signature and ship priority to avoid fraud ( as required by paypal for seller protection ) and still I am to blame and will loose item and money spent to get it, my time to find this rarity, my postage. Where is justice? Did anyone in such high value case even looked at my supporting documents? Although I submitted them I see they were never attached. Paypal said they would fight for me. So what happened that they didnt notify me they allowed buyer to return item and when I log in I see they claim I agreed. Where is falsely advertised seller protection?
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year> and I 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. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are not complete and accurate.

And one mare thing 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
Product: Debt collection

ATTENTION DISPUTE DEAPRTMENT TODAYS DATE : XX/XX/2019 CREDIT MANAGEMENT LP XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C.  1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT MANAGEMENT LP XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX, FL XXXX
Product: Debt collection

I 've received repeated calls from a company that my caller ID says is " XXXX XXXX. '' I answered and was told it was " Convergent Outsourcing. '' The person on the line said they were calling about my business with XXXX and asked me to confirm my address or the last XXXX digits of my social security number. I refused, saying I would not until they told me why they were calling. She refused, said they sent a letter ( I never received one ), and said she would send another one. I said ok and hung up. 

They never disclosed whether or not they were seeking a debt ( though Convergent Outsourcing is a collector ). Furthermore, I owe no debt to XXXX. I concluded my business with them some time ago.