23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

IN 2010 " PAYDAY LOANS '' IN THE STATE OF ARIZONA WERE DEEMED ILLEGAL. " SPEEDY CASH '' ( A PAYDAY LOAN COMPANY ) OPENED AND CREATED '' ILLEGAL CONTRACT '' UNDER THE STATE LAWS. 

SPEEDY CASH THEN " SOLD '' ILLEGAL CONTRACT TO " AD ASTRA RECOVERY '' TO COLLECT PROCEEDS OF ILLEGALLY OPENED CONTRACT. 

AD ASTRA IS NOW ATTEMPTING TO COLLECT FUNDS FROM THE " ILLEGALLY ESTABLISHED CONTRACT ''. 

" SPEEDY CASH '' OR " AD ASTRA '' ARE NOT ENTITLED TO COLLECT FUNDS FROM ILLEGAL CONTRACT THAT SPEEDY CASH KNOWINGLY ESTABLISHED. 

" AD ASTRA HAS NOW ENTERED THEIR ATTEMPT TO COLLECT " ILLEGAL CONTRACT MONIES '' AND HAVE PLACED A DERRAGATORY MARK ON MY CREDIT REPORT ... THUS AFFECTING MY CREDIT SCORE NEGATIVELY AND IS PRESENTING AN OBSTACLE IN MY ATTEMPT TO REPAIR/CLEAN/ESTABLISH MY CREDIT SO-AS TO BE ABLE TO GET A MORTGAGE APPROVED IN MY NAME AND BUY A HOME FOR MY WIFE AND I. 

I HAVE DISPUTED ITEM WITH CREDIT BUREAU 'S, AND AD-ASTRA HAS UTILIZED TACTICS SO AS TO KEEP DISPUTED TRANSACTION ON MY CREDIT FILE ... .LIKE " REMOVING FILE FROM CTEDIT REPORT ... RAISING AND LOWERING DEBT AMOUNT BY {$1.00} ... THEN RESUBMITTING DEBT AS A " CHANGE IN BALANCE '' ON EXISTING FILE. 

THE COLLECTION AMOUNT THEN SHOWS UP BACK ON MY CREDIT REPORT, WHICH I AM THEN TOLD I HAVE TO " RESUBMIT DISPUTE '' BASICALLY STARTING ME BACK AT SQUARE ONE AND DISPUTE NOT RESOLVED. 

DIRTY TACTICS CREDIT BUREAUS ALLOW THEM TO GET AWAY WITH AT CONSUMERS EXPENSES. 

I WANT COMPLAINT FILED ... AND THIS REMOVED FROM ALL CREDIT BUREAUS AS IN THE STATE OF ARIZONA ... THIS TYPE OF TRANSACTION IS DEEMED " PREDATORY AND ILLEGAL '' AD-ASTRA IS THE DEBT COLLECTOR RESPONSIBLE FOR CREDIT REPORT FILING AND THEY NEED TO ADDRESS AND FIX THIS ATTEMPT TO COLLECT AN ILLEGAL DEBT ON AN ILLEGAL CONTRACT. 

https : XXXX
Product: Mortgage

dear sir or miss did you return from vacation all? still didnt receive any answer from you, so far. 
mortage company- mr cooper and lakeview they are suddenly increase mortage payment without my contents since XXXX last 24 months total usd XXXX more. 

and still keep charging me more monthly usd XXXX more than before. 

please involve and ask them to stop to charge me additional fee. 

thanks for help
Product: Money transfer, virtual currency, or money service

Each month I send approximately {$170.00} USD ( XXXX XXXX SHILLINGS ) via Xoom to my landlord in XXXX. I received an email from Xoom stating the transaction had been completed, but my recipient NEVER received the funds. Xoom 's website had been upgrading sinceXX/XX/21, but Xoom did not notify customers till XX/XX/21. Xoom states the recipient received he funds, although their website is down. My recipient only received a message that the funds are not available. Normally, it only takes a few minutes, this is over 24 hours and the recipient still has no money. 



Transaction number : XXXX Transaction date :XX/XX/2021, XXXX XXXX EST Date available for recipient :XX/XX/2021 EAT Send amount XXXX XXXX XXXXotal paid XXXX USD Recipient receives* XXXX XXXX Exchange rate XXXX USD = XXXX XXXXXXXX
Product: Debt collection

I was attending XXXX XXXX in 2013. I found out the " school '' I was attending was for profit, they drained my financial aid and I found out they are not even credited in PA. When I left my balance was at {$0.00}. Then a couple years later when I wanted my transcripts some how I owe {$4000.00}. I have been trying to dispute this because of their predatory practices. I asked their creditor, that calls me constantly, to have their information to dispute the debt and the guy started yelling at me, telling me that it is my fault and XXXX did nothing and what makes me think I can dispute this. He was very rude, yelling at me for no reason and over a debt that I got scammed into in the first place.
Product: Credit reporting or other personal consumer reports

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. 
This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt-Balance claimed including all fees, interest and penalties-Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishings, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, remove the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian over 60 days ago on XX/XX/2020 for an inaccurate account on my credit report. They are non compliant and have failed to remove information that was affiliated with personal details that were challenged in the past. They never sent me any response and are in violation of the Fair Credit Reporting Act. I have attached the letter I sent them.
Product: Debt collection

XXXX XXXX XXXX called me while i was at work. I answered they gave the spheil of debt collection. I than asked for XXXX XXXX of XXXX XXXX XXXX to send me a letter of verification of debt and they had 5 days to do so XXXX than told me NO because who would pay 2 years on a credit card than stop. I told her that was non of her business told them my information has been involved in multiple data breaches from companies. ( Have letters ) XXXX  XXXX XXXX XXXX XXXX XXXX ext ext. she than proceeded to tell me she is going to put my data into cease and desist i than told her that was illegal because i was asking for a letter of verification. She than said ph so you XXXX XXXX dictate this call im like your calling me for money so yes i do controller this call. So she then decides to hang up on me. I called back no answer called back again XXXX picked up the phone and sent me to her manager. Which i took the problem up with told her what she ( XXXX XXXX did was illegal and i have grounds of a lawsuit. She then sends me a letter of verification after XXXX hrs on the phone while at work arguing with this company i have also told this company not to call me between the hours of XXXX because i am at work.
Product: Credit card or prepaid card

I attempted to transfer my hard earned Capital One travel points to my XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2023 as I am looking to book air tickets for me, my XXXX  years ' old husband and my son around XXXX as I am getting a good deal. The first transfer of XXXX points went through immediately. The second attempt at transferring about XXXX points has been under " pending transfer '' for over 3 days now. The confirmation code that I received on the Capital One app that shows pending transfer is XXXX and it says that the typical transfer happens in 1 business day. However, these points are stuck and Capital One has been nothing but unhelpful in getting this fixed. I called the customer service and was told that they were worried that the transfer was fraudulent. After I verified all my details, they said that they realize that the transfer is legit but they have no way of manually ( a ) completing this transaction, or ( b ) canceling this transaction for the points to show back into my Capital One account. Needless to say, the deal for the ticket that I was attempting to book has ended and it will cost me {$1000.00} more to buy the same ticket. It is disgusting that a company like Capital One is making us XXXX  XXXX  suffer.
Product: Mortgage

We have received No response from our mortgage lender to consumer finance protection bureau Case number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. My correct name is XXXX XXXX but bureaus are reporting it as a XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX. 
Also my current address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, But bureau reported that I have many addresses like 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 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received a call from a representative from Greensky Financial. I had made an inquiry of their finance programs but never authorized or gave permission for them to make an inquiry ( hard pull ) of my credit history, I had earlier this year had a flag put on my credit report that I should be contacted first before any credit inquiries are performed,. Also to validate my identity and verify I made any credit request. The representative informed me that she had already performed a inquiry of my credit history. I informed her that I never applied for any credit nor do I give permission to perform a pull of my credit history. The representative appeared a little frazzled and apologized for any misunderstanding. I asked her to cancel any such application and not to progress any further. Again she apologized and hung up. Shortly I received a notification was indeed performed without my consent. I immediately called the company to make a complaint. In the next week or two, I spoke to three individuals. The second representative who was named XXXX who eventually got me in contact with a manager, XXXX. I explained to her what had occurred. She understood the complaint and was going to investigate herself and get back to me. This back to XX/XX/2021 I had made calls several other times XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX, She could not explain to me how a hard pull was performed on my credit history without my consent. She did agree that since there was a flag, that the representative should have called and received my consent before any pull was performed. Thank you for looking into this matter. Please feel free to contact me if any further information is required. 

XXXX XXXX email XXXX XXXX
Product: Credit reporting or other personal consumer reports

I gave them all my information I asked for the account to be verified and reinvestigated. I asked them to provide me with certain documents such as ; pay off disclosure XXXXInterest Rate Disclosure XXXXBalance History XXXXPayment History XXXXdate open and closedXXXX Date last active.
Product: Consumer Loan

In XXXX 2016 I turned in a leased car for a new lease.Acura Financial Services XXXX XXXX XXXX, Pa XXXX billed me for twelve months Massachusetts excise tax on the old car, and I unwittingly paid though I am only liable for one month
Product: Debt collection

I have by way of mail, phone, CFPB tried to get PRA to cease all unlawful collection efforts, and to cease unllawfuly furnishing my private information to credit reporting agencies. PRA  has practiced this deception for months! Portfolio Recovery Associates has used abusive, unfair and deceptive practices in an attempt to collect a debt in which I do NOT owe, violating 15 USC 1692e. PRA has caused my telephone to ring multiple times violating 15 USC 1692d, harassing me. PRA has NOT provided ANY substantial proof that I owe them a debt. PRA has NOT provided ANY substantial proof that I owe a debt to XXXX XXXX XXXX  in which they have right to collect from me.PRA indeed has admitted to conspiring with with XXXX XXXX XXXX  to injure, oppress, intimidate me in my enjoyment of my right of privacy and my XXXX Amendment right, violating 18 USC 241. This is evidenced in PRA response in CFPB Complaint XXXX. PRA alleged that through the unlawful purchase of my private information, from XXXX XXXX Bank that PRA has a right to collect a debt from me, in which PRA paid for, in which they can't verify belongs to me, a debt in which XXXX XXXX Bank admitted can NOT verify, while ignoring federal and state laws to do so? Please me assist as many consumers are affected by the extremely predatorial PRA! PRA has violated many of my rights! PLEASE SEE ATTACHMENTS
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Source Receivables Management regarding the collection account number XXXX. I dispute owing any and all debts to Source Receivables Management and request your assistance in resolving several issues related to their conduct and compliance with federal laws.

1. **Dispute of Debt** : I dispute owing any and all debts to Source Receivables Management.

2. **Communication Rights Revocation** : I hereby revoke all rights of Source Receivables Management to communicate with me through email, text, or calls.

3. **Request for Debt Validation** : I formally request debt validation for the aforementioned account. To date, I have not received any validation information as required under 12 CFR 1006.34 ( b ) ( 5 ).

4. **Request for Purchase Agreement** : I request a copy of the purchase agreement between Source Receivables Management and XXXX XXXX XXXX XXXXhat validates their authority to collect this debt.

5. **Request for Removal of Collection Account** : I request the removal of this collection account from all credit bureaus as Source Receivables Management has not provided validation information and is in violation of my consumer rights.

6. **Licensing and Bonding Proof** : I have discovered that Source Receivables Management is not currently licensed to conduct business in New York State . I request proof that they are licensed and bonded to operate in New York State. 

Additionally, Source Receivables Management has placed a collection on my consumer report without providing the necessary validation information under 12 CFR 1006.34 ( b ) ( 5 ) and without giving me a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ). This is a clear violation of my consumer rights. They are also using false, misleading, misrepresentative, and deceptive means, further violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I seek your assistance in investigating this matter and taking appropriate action against Source Receivables Management for their non-compliance with federal regulations. I appreciate your prompt attention to this issue and look forward to a resolution. 

Thank you for your time and consideration.
Product: Credit card

Capital One sold an alleged account of mine to XXXX XXXX XXXX in the amount of {$600.00} stating that I had become delinquent on the alleged account in " XX/XX/XXXX ''. After talking with XXXX XXXX whom bought the debt and getting no clear answers, I asked that the debt be verified. XXXX sent a letter back with account number " XXXX '' as well as an amount of {$600.00} which stated I owed. 
I personally contacted Capital One to find out more about this debt on XX/XX/XXXX and XX/XX/XXXX and was told that the last payment was made in " XX/XX/XXXX '' for the amounts of {$15.00}, {$65.00} and {$50.00} all alleged made in XX/XX/XXXX. I let the agent know this is totally false since the bank account ending in " XXXX '' which the alleged payments were debited from was permanently closed before XX/XX/XXXX. The agent stated that this account is mine and payments were made from this account. I agreed with him that account # XXXX was my account but no payments was ever made from this account in XX/XX/XXXX. Payments were however made from my bank account ending in XXXX to my original Capital One account ending in XXXX several years prior to XX/XX/XXXX. My original Capital One bill has been paid in full for years which clearly shows that on my credit report. 
I was then told the payments were also debited from " XXXX Bank '', which is a bank I have never done business with. After much conversation with the agent and getting nowhere I stated I would take other measures to get this false information off of my credit record. He then stated that " XXXX XXXX '' know owns the debt. This may be true however ; " Capital One '' mishandled vital information which is causing me undue stress because of their mismanagement of records. I am asking to please help me. This is not fair that every time my credit is pulled I am defamed by false information Capital One knowingly put in my records.
Product: Credit reporting or other personal consumer reports

I have tried several times to inform XXXX XXXX that my identity was stolen, but they continue to deny my claim and report fraudulent information on my credit report. Being that I had a family member posing as ME in real life, I don't see why they keep telling me what they've verified despite me telling them WITH PROOF that I DID NOT DO THIS! If it isn't resolved as soon as possible, I will have to proceed with legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get my credit report from all of the credit reporting agencies. None will accept the information I am giving. I did contact Transunion, who said they had me as deceased, this was supposed to hve been corrected 2 months ago. Yet I still can not log in and get my free credit report on line, it said to call for my free credit report, I did and after answering the questions they sent me an e-mail asking for a credit card? why if its free?
Product: Credit reporting

In XX/XX/XXXX, I contacted Transunion and spoke with a representative ( foreign ) and provided him with an account in which I wanted to place under dispute, which was XXXX Account. Once I got the results back in XX/XX/XXXX, I noticed that he disputed the wrong account instead he removed a XXXX account that was reporting a {$0.00} and that was a fairly good account on my report. I contacted Transunion today, XX/XX/XXXX and got a foreign representative again and explained the dilemma and she stated there was no way that they could re-insert the account. I requested to be transferred to someone in the United States, preferrably the Special Handlings Department in which I got XXXX who was a supervisor in the Special Handlings department. After I advised her of the situation she advised me that though it was their error, there is nothing that can be done. They are not to remove accounts that were n't placed under dispute unless it is time for them to be removed by timeframe and it is not. 

Since this account has been closed for a while, I highly doubt that XXXX will start re-reporting this account, since this since this will there will be a fee incurred for them to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have co ntacted Consumer Portfolio Services regarding an inquiry. My request was very specific but the company respon ded as if they could not understand. They also did not provide any authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX, 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