23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ive received calls from a company called XXXX. I asked for the name of the company and was told that XXXX is the companies registered name. After calling he number back several times to acquire information about the company ( actual name, address and or website ) everyone denied giving me any information. I was finally told by a XXXX that the name of the company is Spire Recovery Services, but he would not give me the address or website of the company. I never gave this company consent to contact me, I have no contractual obligation to this company. This company has no permissible purpose to contact me through any means. If any information from this company is published on my consumer report I will seek damages for defamation and identity theft. This company is willingly and knowingly participating in fraud and violating my rights. They stated that they sent me emails and letters in XXXX, but I have not received anything from this company except for harassment. The would not verify who they were, but wanted me to give them my personal information. I think the company if it is really are participating in scamming consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX  XXXX {$3800.00} XXXX XXXX {$840.00} XXXX XXXX {$510.00} XXXX XXXX  XXXX {$22000.00} XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Vehicle loan or lease

XX/XX/XXXX I called XXXX police department to come out and make a report that my car was stolen. I was informed to contact my insurance company, I received the phone call from the police station that my car was not stolen it was repoed My car is completely paid off XX/XX/XXXX, I have all my receipts no missed/late to any of the Mechanics bank or CRB. I owe XXXX no amount of money.. Who are they.. call bank huh there is no Bank I own my car outright for one year now credit report proves paid in full I have legal title ownership, this company has fraudulently stolen my vehicle and requested a new title for what reason I don't know I have title legal ownership and registered owner there's no liens no court dates no repo orders no court orders or judgments per DMV printout available upon request it's unfair to take a person property their only means for transportation. and sell it back to me. im credit worthy My credit report my receipts show and prove paid in full XXXX balance. 

I've tried to solve this problem over the phone XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX, XXXX and in person on XX/XX/XXXX at XXXX XXXX. at the address provided they made a copy of my ID and told me that I could not have my property as I handed them a copy of a demand letter and Notarize documents to solve this problem by releasing my vehicle instead im asked for my car keys they expect me to hand over my property that I own outright they give me phone numbers and addresses that does not exist, I've taken all the steps via DMV to obtain my rightful title my car was fraudulently stolen from XXXX CA . Mechanics Bk was a personal indirect loan that was paid i full after 3 years this was an Unsecured loan and my car can not and is not, and was not used for colattoral. 

I have seen the reviews similar issues has been reported to XXXX regarding the same issue as mines. I heard how XXXX has returned vehicles to rightful owners in poor and damage condition amounting in costly damages after a XXXX report has been file against this company and all that is involved... I want my XXXX XXXX XXXX  to returned to me in excellent condition without retaliation for filiing a XXXX claim to get my car back. ; Return my vehicle remove from your repo list car returned in excellent condition no body damage etc...
Product: Bank account or service

Citibank has offered a {$400.00} bonus for opening a new customer checking account. I accepted Citibank 's offer and opened checking account # XXXX ( citibank 's statement attached ), made a required opening deposit and made preparations to fulfill bank 's requirements for the bonus. Imagine my astonishment and disappointment to find that Citibank Bank has decided to close my account a week later after accepting my opening deposit. All my attempt to find out why my account was closed and deposits returns were no avail. 

The bank has made a promise to credit a {$400.00} bonus upon opening of checking account and depositing {$15000.00} or more in newtoCitibank funds into your new checking account or new or existing Citibank Savings Plus account ( a copy of the banks binding promise is attached ). 
I accepted bank 's offer by opening a required account and making a required opening deposit. Acceptance of bank 's offer represents an unilateral contract for breach of which law provides a remedy. I completed banks requirements necessary to qualify for the opening bonus but I was unable to receive the {$400.00} bonus because Citibank breached the contract by terminating my account without lawful justification or excuse. Citibank 's action of closing my account is a breach of contract and law affords remedy or a legal cause of action when a binding agreement ( or bargained-for exchange of consideration ) is not honored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$9800.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX   XXXX XX/XX/XXXX XX/XX/XXXX {$1200.00} XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX {$850.00} XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$2600.00} XXXX XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX {$1800.00}
Product: Consumer Loan

I was released from my teniored job last year and informed Navy Federal. I continued to make payments throughout this year as I could. I was then referred to a special collections department who allowed me to make small payments to show effort until my full time job started at the end of XXXX. My collections specialist XXXX XXXX was in an accident and a schedule check payment was unable to be stopped but was rectified by an ACH transfer later that week before the returned check. On XXXX XXXX our account was placed for repossession and picked up the same night. Tuesday we called into Navy Federal and they explained it was because of bounced payment checks after having our Collections Rep explain the accidental submittal we were directed to another department. That department is Fiance Management. An agent by the name of XXXX ( only XXXX she said in department ) took an application for deferment through XXXX XXXX 2016. We accepted the terms and awaited the Repossession division of Navy Fed to send a release so we can pick up our car at XXXX XXXX XXXX. Two days have passed and they refuse phone calls or to provide documentation of said agreement. The repossession department has told the XXXX XXXX not to even speak to my fianc that I had relinquished rights to speak on my account on every occasion and that they are refusing to release the car even with the deferrement showing a zero balance due and only the repossession fees to be paid at the XXXX XXXX. It is my belief they are intentionally holding my vehicle to either remand custody or to rack up fees as punishment as they have continually reprimanded me as if I was their child and dehumanizing me with their lack of action. I rely on this car and have been very corporative through the whole process even before the repossession. No one at Navy Federal says they have authority to protect my consumer rights I just have to wait it out. This is inexcusable and has put my family in a downward spiral.
Product: Credit card

i had a XXXX account connected to my citi gold credit card, the account had around XXXX aa advantage miles, i had trouble logging in to the XXXX account so i called up XXXX and they said they shut down my account. first of all i was never notified about it and i have not done anything against the terms and conditions to earn those miles.
Product: Credit reporting or other personal consumer reports

I would like to address the crucial regulations safeguarding consumers under the Fair Credit Reporting Act ( FCRA ). These regulations ensure equitable treatment, privacy protection, and accuracy of credit information. Section 602 ( a ) of the FCRA mandates that entities collecting and reporting consumer information must adhere to principles of fairness, neutrality, and privacy, encompassing well-known entities like XXXX, XXXX, and Experian. As an individual subject to their data collection, I retain the right to safeguard my privacy. Furthermore, Section 6801 reinforces Congress 's intent for financial institutions supplying data to credit agencies to uphold the security of personal information.

The FCRA also outlines the necessity for written consent prior to the dissemination of consumer information by credit agencies, as delineated in Section 604 ( a ) ( 2 ). However, I have not provided written consent to XXXX, XXXX, or Experian, contravening this requirement. Moreover, Section 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to opt out of information sharing, a requirement that has not been fulfilled in my case. 

XXXX, XXXX, and Experian have reported adverse information about me without obtaining my consent, a violation of Section 1681C ( a ) ( 5 ) of the FCRA. Additionally, Section 1681s2 ( A ) ( 1 ) prohibits the dissemination of knowingly inaccurate information, which appears to have occurred in this instance.

Furthermore, the FCRA mandates that these entities establish robust procedures to ensure compliance with the law, as outlined in Section 1681e. Unfortunately, it appears that XXXX, XXXX, and Experian have failed to implement adequate measures, resulting in inaccurate information being included in my credit report. 

Consequently, I am formally requesting that they cease sharing my information, as permitted by 12 CFR 1016.7. Additionally, I demand the immediate removal of all erroneous entries from my credit report. Failure to adhere to these requests may warrant legal action for willful non-compliance with FCRA regulations. 

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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have submitted an application through XXXX under the total and permanent XXXX ( TPD ) via the department of veterans affairs. I am 100 % TPD. XXXX has processed my application and provided the final decision from the Department of Education on XX/XX/year>. They also told me that an electronic copy was sent to Mohela my loan servicer to process the discharge. The letter was dated XX/XX/year>. I have been unable to get a correct answer from Mohela. Everyone I talked to on the phone has been giving me the run around. I have not gotten a straight answer from Mohela. I have written and called on multiple occasions and I still do not have the correct answer to what happens next since I was approved by Department XXXX XXXX to have my loan be completely XXXX. I have been placed or forbearance until XX/XX/year>. I am afraid that Mohela is holding on discharging my loans as authorized by XXXX of XXXX in order for them to continue to collect on the loan. I have reached out to Mohela on numerous occasions but I get the same answer that they were not notified by XXXX. I have letter to prove otherwise. It has been over 90 days and I still do not know what my next step is. XXXX says to contact Mohela and Mohela tells me to contact XXXX. I am in the middle being pulled by both departments. My complaint is on Mohela. XXXX did its part. Mohela is the company not proceeding with their obligations to complete my loan XXXX as directed by law.
Product: Debt collection

To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, XXXX, and XXXX and have noted following discrepancies : XXXX Inq date : XX/XX/XXXX  {$14.00} Charter communications Inq date : XX/XX/XXXX  {$210.00}
Product: Student loan

Fed Loan Servicing has committed multiple violation on my credit report per FCRA and is affecting me enormously. Please forward attached documents to Fed loan Servicing.
Product: Debt collection

I dispute this debt a couple of times with expirian and they keep the same status when they didnt investigate it. This macys account on my expirian credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically their failure to adhere to provisions outlined under 15 U.S.C. 1681 et seq., regarding the handling of consumer disputes, verification of information, and compliance with identity theft claims. 

XXXX. Failure to Provide Documentation of Investigation and Verification ( 1681i ( a ) ( 6 ) ( B ) ( iii ) ) : I disputed several items on my credit report ( as listed in the attached documentation ) and subsequently received denials for all items. Upon receiving the denial, I requested Experian to provide documentation demonstrating the method of verification, process of investigation, and the sources of information used to uphold the accuracy of the disputed items. I cited the requirements under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) during my conversations with Experian representatives, including XXXX, XXXX ( XXXX XXXX XXXX XXXXXXXX ), and supervisor XXXX. However, all representatives refused to comply, asserting that Experian has no legal obligation to provide verification, which is a direct violation of the law. 


XXXX. Refusal to Escalate or Address Concerns Through Proper Channels : When I requested escalation of the matter to Experians legal team, my request was denied outright. Representatives intentionally diverted the process by stating I would have to call back, and I was further told no legal team was available or reachable. This obstruction is indicative of a lack of good faith compliance with legal obligations under the FCRA. 


XXXX. Failure to Properly Address Identity Theft Reports ( 1681c-2 ) : In my disputes, I advised Experian that I had filed reports with IdentityTheft.gov and indicated my willingness to provide additional documentation to substantiate the inaccuracies on my credit report. Experian failed to address or acknowledge my identity theft reports as required under 1681c-2, which mandates the blocking of fraudulent information once such evidence is provided. 



These actions constitute serious violations of my rights under the FCRA and demonstrate Experian 's failure to operate in accordance with the Federal Trade Commissions enforcement standards. Experians refusal to provide transparency in the dispute process, coupled with their unwillingness to escalate the matter for proper review, has caused significant harm to my financial standing and peace of mind. 

I request the CFPB investigate Experian 's noncompliance with the FCRA and FTC rules and ensure they provide the legally required documentation for their investigative process, verification methods, and sources of information. Additionally, I ask that appropriate action be taken to hold Experian accountable for obstructing lawful dispute procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Citibank, N.A Thank you for replying ( via CFBP dated XX/XX/2018 ) regarding my query regarding my two student loan accounts ( abovementioned ). This letter serves to provide clarification to your responses on XX/XX/2018, XX/XX/2018, as well as the latest letter dated XX/XX/2018. Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. 
Your correspondence on XX/XX/2018 and XX/XX/2018 did not include a copy of the application, promissory note, nor disclosure statement as stated. Until the student loan accounts are disputed and validated, reporting account information to any of the three main  Credit Bureau 's such as XXXX, will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your company that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character Moreover, your letter on XX/XX/2018 merely stated that you/your company have reviewed my student loan accounts in connection to the CFPB vs Citibank, N.A Consent Order but make no mention of Citibanks redress plan, final resolution, or restitutions as required per CFPB.

In summary, Im requesting copies of BOTH, a full debt validation as well as the redress plan, final resolution, and restitution as per the CFPB vs Citibank, N.A Consent Order.
Product: Debt collection

On XX/XX/XXXX I pulled my XXXX credit report and found the company Phoenix Financial Services had reported an unauthorized collection to me credit file. 

First I do not know who these people are. Second the information that they listed in their letter I do not recognize. Third, they placed this collection on my credit file on XX/XX/XXXX then followed up with a letter dated XX/XX/XXXX. This is in complete violation of the FDCPA Regulation F. 

This law went into effect XX/XX/XXXX. The letter that I received in the mail has nothing to do with me, the company in itself has knowingly and willfully violated my consumer rights.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards.For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Prepaid card

My previous complaint against Chime via Consumer Finance Protection Bureau, Reference # cs XXXX, resulted in receiving an email from Chime on XX/XX/2024 saying they would be refunding the {$280.00} they owe me from XX/XX/2024, via the ATM that did not dispense the full {$400.00} amount, but only dispensed {$120.00}, and kept my {$280.00}, yet Chime withdrew the full {$400.00} amount of my XXXX paycheck that was direct deposited on my Chime card. I have fought with Chime, called them, emailed them, and they lie. Their email said they would be refunding via my Chime card, but since I closed my Chime card after this happened at the ATM, well before they emailed to say I'd be refunded, I assumed from my XXXX searches that I would be refunded via paper check by mail. I even called Chime 's support and they said it was in process in XX/XX/2024. I have yet to receive this refund and it is not XX/XX/2024. Where is my money? This should not be allowed to happen. Refunds should be sent immediately. It is now 5 months later and still no refund. They should be ashamed of themselves. I want my hard-earned money back immediately. I have attached a screenshot of the email they sent to me XX/XX/2024, and still no refund from them.