23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2017 I received a bank levy on my XXXX account for an old and outdated debt. The original creditor was Capital One. This account has been charged off for over 8 years. The status of limitations is 7 years in The State of Colorado. The debt was then sold to a company called XXXX XXXX XXXX XXXX. I notified them that the debt exceeds the Federal time limit to collect. They stated fine, we will just sell it to a collections Attorney. 

The sold it to a collector by the name of XXXX XXXX XXXX. They claim they personally served me with paperwork concerning this old and out dated debt. That is 100 % false as I was never served with this paperwork. If they are Attorneys, they should know this debt is uncollectable and they owe me my money back. 

If you look at the Colorado XXXX and XXXX XXXX report, this is a constantly reported complaint action of this law firm. They collect illegally by stating they tried to reach a consumer or lie that they actually delivered this to the consumer. I want my money back and for them to cease & desist, along with cancelling any pending court date attempting collection for an old debt. Please look into class action against this firm.
Product: Vehicle loan or lease

I bought a car from American car center in XXXX tn XX/XX/XXXX it was a XXXXXXXX XXXX XXXXXXXX white i got the car just started a new job and stuff trying to get on my feet. Around XXXX XXXX something like that when i made my last payment they closed couldnt get in touch with nobody couldnt log in my account or nothing. The phones was off just couldnt get no one. So around XXXX or so XX/XX/XXXX they came and towed my car didnt know who these people were or nothing. I lost my job my kids couldnt get to school nothing no transportation i just moved to XXXX tn as well new life start. I lost everything bills still coming in no help at all, still without a car. My last payment was XXXX i was paying XXXX every XXXX weeks i paid XXXX in all or XXXX money lost. And they want me to pay XXXX to get the car back I dont even know where the cars at. I called westlake they are so rude, they breached the contract I dont know these people at all.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA DEALER XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX
Product: Student loan

In a previous complaint ( XXXX ), I outlined how the Texas Higher Education Coordinating board would not let us pay ANY amount towards our principal balance until all interest was paid in full. They said this was their company policy. While I thought this practice was predatory and a little extreme, I decided to pay the full amount I owed in interest to the tune of a little over {$3700.00} on XX/XX/22. I was hoping that by doing so I could be caught up on owed interest and start paying off principal in the monthly payments. 

Unfortunately, I had another more serious problem. When I checked the balance this month on XX/XX/22, it was showing that our previous payment did NOT all go to interest as it should have. {$670.00} of it was allocated to principal, leaving {$670.00} in interest still on the account. I did not request this to do be done, nor would the provider according to THEIR OWN policy, allow principal to be paid until ALL interest was paid. And since this last payment, an additional {$220.00} in interest has been accrued, leaving the total we in interest this month at over {$850.00} dollars. 

This means that it would take an ADDITIONAL 3-4 months to pay off the interest at the minimum monthly rate because they chose to allocate some to principal without our knowledge. I called them and was asking for an answer as to why they would allocate some of our last payment to principal when they explicitly told us they would NOT do so. The lady on the line even said that it should not happen, and was not able ( or willing ) to provide me with any explanation for the action. She did say she was going to " try '' and get the {$670.00} re-allocated to interest, and that we would receive a call back at some point, but I am currently waiting on this to be done. Considering that the move would keep me paying on interest for a few additional months, and benefit the XXXX, I have a hard time believing this was not an intentional act to keep us paying on interest and getting more money. 

Either they lied to us when they said they could NOT allocate payments to principal until interest was fully paid, or they manually allocated some to principal ( WITHOUT consent or previous disclosure ) for the purpose of keeping us trapped on interest payments a little longer. Either way, I feel that this has been a huge breach of trust and is further evidence that this loan provider is acting in a predatory and fraudulent way when dealing with their customers. This is completely unacceptable for them to do this right after we make such a large payment to get rid of our owed interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX  XXXX XXXX XXXXa 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I didn't get a response within XXXX  days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Product: Debt collection

TO WHOM THIS MAY CONCERN I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ACCURACY OF MY CREDIT REPORT IS UNMATCHED. I AM CONTACTING THE ORIGINAL CREDITORS THAT ARE RESPONSIBLE FOR REPORTING INVALID INFORMATION. ALL ACCOUNTS, DATES, AMOUNTS ARE LISTED IN THE FILES. PLEASE REVIEW AND REMOVE THE LISTED ITEMS IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ) : I am writing to file a formal complaint against Experian regarding their repeated failure to address critical issues related to my credit report, which involve my status as a survivor of XXXX XXXX Despite my compliance with all required procedures and multiple attempts to resolve this matter, Experian has failed to take appropriate action, violating my rights under XXXX XXXX XXXXXXXX XXXX XXXX and the Fair Credit Reporting Act ( FCRA ). 

Details of the Complaint : Failure to Address Requests : My initial request to Experian, along with all required documentation, was sent in XX/XX/XXXX. A return receipt for this submission was received on XX/XX/XXXX, confirming they received my request. Since then, I have made XXXX additional attempts to submit supplementary documentation to facilitate the resolution of my case. These subsequent attempts have been ignored or mishandled, with no clear acknowledgment or action on XXXX part. 

Failure to Remove Negative Items Associated with XXXX  : I have requested the removal of derogatory marks on my credit report that are directly tied to coercive and fraudulent activity during my XXXX  experience. Despite providing adequate documentation, Experian has failed to act in accordance with their legal obligation under federal laws designed to protect survivors of XXXX  XXXX. 

Noncompliance with Federal Law : XXXX XXXX XXXX XXXX XXXX  of XXXX explicitly requires credit reporting agencies to assist survivors in clearing debts and fraudulent accounts tied to their exploitation. XXXX lack of responsiveness and refusal to remove these fraudulent items violates this law and the protections afforded to survivors. 

Unresponsiveness and Delays : XXXX ongoing lack of action and communicationdespite my XXXX attempts since XXXX a disregard for my rights and well-being. 

XXXX  and XXXX XXXX XXXX This prolonged inaction has caused significant XXXX XXXX and XXXX XXXX, hindering my recovery and ability to rebuild my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were reported and need to be removed. I have no knowledge of these inquiry dates or the inquiries. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed twice same day XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I made a check deposit at Wells Fargo ATM XXXX in XXXX location on XX/XX/2021 XXXX XXXX. I printed the receipt which says the funds will be available on XX/XX/2021. I knew it usually takes 2-3 business days for funds to clear up. At the end of the second business day i.e XX/XX/2021, I called Wells Fargo Phone Customer service about the deposit and if there were any issues. I was told by the agent that she could not find any information about the deposit. 

I called the check issuer to verify the validity of the check and they told me check is valid and should there be any issue, bank could call the number on the back. I was assured. 

I went to the same branch location where i had deposited the check at the same branch 's ATM. One of the Wells Fargo Employee helped me with the issue. What he told me what had happened really shocked me. He told me that the ATM or system read the same check twice, crediting me twice the amount of the check. He also said that later they fixed it by removing one of the reading, or say they made a correction to erroneous deposit. 

While they were supposed to take off just the copy of that check, my original check was took off too. Technically there was no deposit as during correction they managed to wipe the original entry for the check too. 

Now I don't have the money when i need it and the bank told me i'll have to wait 10 days at least to hear anything from them. I had plans. I had payments due. My life is miserable now since i don't have the money. The Wells Fargo bank just took my check and my money and pretty much left me to starve. 

I am worried. I am stressed. I am gon na have a lot of troubles because i don't have the money. I don't have the money because some bank didn't do what they are supposed to. Now whatever their reason may be, I feel like my money is being held XXXX when it should be freed to me. 

If they keep my money for 10 days, how much interest would they pay me? XXXX. Will they compensate for my fees that will incur because of this? No. 

That is why I have to make this complain. I hope this finds some resolve. Thank you.
Product: Mortgage

Georgia Dept of Bankingand finance have refusedas to date to take my caseand to investigate this fraudagainst my name for thepast 6 years or so. 
Georgia investigators havenever replied to mymultiple complaints which Ihave filed with them for thepast 6 years.
Product: Credit reporting or other personal consumer reports

TransUnion XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Iowa XXXX Dear Sir/Madam I am writing to formally dispute the following inquiries listed on my TransUnion credit report : 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 XXXXXXXX I request that these inquiries be investigated and removed from my credit report immediately as they are inaccurate and unauthorized. I have not authorized any of these entities to inquire into my credit history. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. I am exercising my rights under this law to ensure the accuracy and integrity of my credit report. 

I request that you provide me with written confirmation of the removal of these inquiries from my credit report. 

Please acknowledge receipt of this dispute letter within 30 days and inform me of the steps being taken to resolve this issue. I appreciate your prompt attention to this matter and look forward to a favorable resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting

XXXX has a loan out on my credit that has been a closed acc
Product: Mortgage

Wells Fargo had been calling us repeatedly, sending us threatening letters, etc., stating that we were delinquent in our payments. This started around XX/XX/XXXX-XX/XX/XXXX. We went into a branch in XXXX, VA in XX/XX/XXXX, and proved we made every payment. We thought the issue was taken care of. We spent 3 hrs in a branch going over every payment. All late fees were waived and we thought the issue was taken care of. It started back up again. We went back in XX/XX/XXXX, to face the same story. Our bank, XXXX XXXX XXXX XXXX has a record of every payment going out electronically and on time. They also show and have confirmation that Wells Fargo received every payment. However, Wells Fargo only show part of the payment. Where's our payment/money going? In the meantime, we keep getting threatening letters, late fees assessed, credit bureaus are being notified ( I believe ) which affects our credit. We even paid money over the phone for late fees that Wells Fargo insisted we owed! This has been a nightmare for 2 years now. Wells Fargo now keeps sending us letters pushing the 'we 're working on the issue and we'll get back to you ' date back. In the meantime, we're still making payments and have NOT missed any! Is someone stealing our money? They've threatened to foreclose on us. Please help!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 of 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Dear Trans Union I hope that this letter finds you well Regarding XXXX XXXX XXXX XXXXXXXX XXXX  I wanted to report an FCRA violation that came to my attention after I called into Trans Unions customer service on XXXX XXXX when I spoke to a nice supervisor named XXXX I was advised that the complete investigation on my XXXX XXXX XXXX  XXXX  last XXXX and XXXX was a submission to the creditor. He also advised that Trans Union takes their word as the absolute truth. Unfortunately, XXXX XXXX  has not provided accurate information and therefore my credit report is an accurate. Even more XXXX XXXX  is financially affiliated with Trans Union, and therefore they can not be expected to be unbiased. Under 15 USC 1681 ( a ) 4, I have a right to have disputes that are unbiased and they are to be completed in 30 days. The expiration date for the unbiased investigation has been passed. Inaccuracies remain on my XXXX XXXXXXXX XXXX XXXX XXXX accounts. Specifically the account with the {$2400.00} has a different year of birth as compared to account with the actual XXXX XXXX  account. The XXXX XXXX  account with the balance of {$520.00} has an entirely different date of last activity. If a thorough incomplete and unbiased investigation had been done then these items would not be an accurate and would have been either removed or updated within 30 days from XXXX XXXX 15 USC 1681 ( a ) 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Notice TransUnion was not UNBIASED when conducting the trial investigation on my XXXX XXXXXXXX XXXX XXXX accounts. On XXXX occasions, Trans Union was given a 30 day allowance to investigate these charge offs and either update or delete. Both charges off s remain inaccurate so I am requesting a deletion for both of these charge off accounts. 
Thank you for your time Sincerely XXXX XXXX
Product: Debt collection

Debt Collector : Source Receivables Management for XXXX XXXX XXXX. 

In XXXX of XXXX, XXXX tried to collect {$800.00} form me on a contract which I had cancelled and for which their services were no longer being utilized. Please note that this money had been automatically taken directly from my account. I had the {$800.00} identified as a fraudulent change at my bank and they refunded the amount upon investigation. This amount was never authorized. Further to stop the account from going into collections ( while I found my original contract ) I paid them {$400.00} ( half-of what they said I owed them ). I do have the original contract and would be happy to provide that to you. I am still trying to obtain my {$400.00} back from XXXX and have had no success. 

Please note that the XXXX installed devices stopped working at as of XX/XX/XXXX ( which I expected at time as I cancelled the service and the contract had ended ). I have a contract with XXXX showing that my service will end on XXXX  ( for which they have been paid {$400.00} more than owed ). Please note that I called XXXX on XXXX to cancel their service. 

Sorry for the long story ; however now they say I owe {$30.00} to them and have provided it to " Source Receivables Management '' for collection. Their telephone number is XXXX, Any help you can provide in the timely resolution of this matter would be most appreciated. Please note that I have exhausted much time and money in regard to this resolution of this horrible matter. Thank you again for any help you can provide. 

The latest bill I received from " Source Receivables Management '' was dated XXXX XXXX XXXX XXXX
Product: Student loan

I have had many problems with Navient student loans, they changed my rate many times, and they are always changing there rules. It 's very sad what these companies in America are doing the the american students. I am XXXX and i cant buy a house because of these students, i pay {$300.00} a month and my loans are not moving from this company
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Bank never been late XXXX XXXX Bank XXXX $ XXXX Fraud Account XXXX XXXX XXXX XXXX XXXX Fraud Account XXXX XXXX XXXX XXXX XXXX Fraud Account XXXX XXXX XXXX XXXX XXXX XXXX Account The accounts above have been listed on my credit incorrect. The accounts have been reported to the Federal Trade Commission ( FTC ) as a result of identity theft, and I am formally notifying you that these accounts was opened fraudulently and is not my responsibility. I did not authorize or open the accounts and I have taken steps to resolve this matter, including filing an identity theft report with the FTC and XXXX enforcement. Under 15 U.S.C 1681 c-2, the Fair Credit Reporting Act ( FRCA ) provides that if a consumer reports fraudulent activity, they are entitled to a prompt and fair investigation and any fraudulent information must be removed from their credit reports. As I have filed a formal identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and around XX/XX/XXXX I asked for an investigation on my consumer report it came it came back on XX/XX/XXXX with some of the accounts deleted but XXXX XXXX  was still present it did not have my original contract dates it did not have my original balance it did not have my payment history and it had been sold to a dead buyer this account appears twice on my TransUnion account with web XXXX XXXXXXXX and also XXXX the account number is XXXX I have not received any written authorization to disclose my credit file the opening date is not accurate the last active is not accurate please delete this account so violated my rights to 15 USC 1681 section 604a section 2 the law clearly states a consumer report agency can not furnish an account without my written instruction also 15 USC 1681i section 61158 l I I it states that items are found inaccurate or can not be verified the consumer reporting shall be promptly deleted and the information from the file of the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice for Proof of Claim Account : XXXX XXXX XXXX XXXX # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward
4 Wheat 518 : XXXX XXXX XXXX, XXXX XXXX  XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, Ileaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.