23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I, XXXX, received XXXX collection letters from XXXX XXXX XXXX where they are showing the bar code in plaint view for anyone to see. 

To be clear here, I choose " Communication Tactics '' and choose the third option " Used, obscene, profane or other abusive language. '' I could not find an exact description of my issue with respect to the XXXX Code. 

Showing the " XXXX Code '' is a FDCPA violation of section XX/XX/XXXXf ( 8 ). And in their first letter I received from them, they are violating the FDCPA by only allowing me three options to resolve my account. SECURE ONLINE PORTAL, PAY BY MAIL, and PAY BY PHONE. It is like I have no other option but the XXXX that are given to me. Then they reverse themselves and tell me " Unless you notify this office within thirty ( 30 ) days after .... '' This of course is my mini-miranda rights. This is also a violation of the FDCPA and Texas XXXX XXXX. They have been sued in the past for the very same things they have done to other consumer. Just recently XXXX XXXX XXXX XXXX XXXX, XXXX, the same bar code matter went before the court and the Defendant debt collector lost in the Memorandum that came out in XX/XX/XXXX. 

In the attachment is a copy of the letter I received and some recent court cases brought forth by other consumer like myself.
Product: Money transfer, virtual currency, or money service

I 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, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 XXXX  financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

After reviewing my XXXX, XXXX and Equifax credit reports, I have identified some inaccurate late payments that needs reporting and correction through your company. Please see attachments below.
Product: Consumer Loan

In XXXX I bought a vehicle for my children in college the vehicle repossessed XXXX. About XXXX/XXXX/XXXX the debt turn up in the hands of some one called Main Street Acquisition Corp. they in turn hired a firm named XXXX to collect. Since XXXX/XXXX/XXXX I 've been paying anywhere from XXXX to XXXX XXXX XXXX. I feel taken because original creditors sold the vehicle in XXXX. I think I have paid enough on this old debt. Is there any help for me in this matter,
Product: Credit reporting or other personal consumer reports

I have been sending dispute letters ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), demands and document request for almost a year with several certified mail recents, this company as shown clear signs of willful non compliance by refusing to accept documents sent with dispute letters, also by willfully reporting 2 different accounts with the same company and mostly breaking several FCRA laws. This would be the second CFPB complaint with no action taken by the company. Exact accounts, dates, along with proof of identity, recent paystubs, original copy of birth certificate, copy of Valid State ID, recent bank statements, recent utility bills and copies of Consumer Reports purchased from Identity IQ dating ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), and ( XX/XX/XXXX ) have been attached to all 4-6 months old certified mail dispute recents. I am filing this claim to support legal action for statutory, Punitive, and civil liability damages. 

For refusing to update personal information, disputing and removing positive accounts on consumer report that wasn't requested but ignoring actual negative items disputed resulting in a negative credit score and high interest rates, willful non compliance for FCRA laws 15 USC 1681A ( Definitions ; rules of construction ), 15 USC 1681E ( Compliance Procedures ), 15 USC 1681n ( Civil liability for willful noncompliance ), 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), 15 U.S. Code 1681d ( Disclosure of investigative consumer reports ) ,15 U.S. Code 1681i ( Procedure in case of disputed accuracy ), 15 U.S. Code 1681b ( Permissible purposes of consumer reports ) I will also be filing a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

To Whom It may Concern, I purchased my XXXX XXXX XXXX from XXXX XXXX in XXXX of XXXX as a birthday gift to myself. I was so excited to have my dream car. But during my 4yrs of having this vehicle the dream became a nightmare. From mechanical issues, driving in the snow and lastly having it repossessed from me because my payments ballooned because of the additional insurance ( XXXX ). I was young and had zero idea of what was happening. All I knew was to pay my bills. I thought maybe I had a interest rate that had gotten higher. I didnt understand that they applied additional insurance to my loan. I used XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX ) XXXX. Which has went out of business a few years ago. Also XXXX XXXX XXXX which I use for my homeowners policy was contacted to get dates however, there records only go to XXXX. I know I used them when I first got the car then immediately went to XXXX XXXX XXXX to save money. Now fast forward to the present and Wellsfargo is asking me for proof that I had insurance almost 10yrs later. XXXX XXXX XXXX is out of business and XXXX XXXX doesn't keep records dated back that far. I have exhausted every effort to get that information ( which I don't believe should be my job ). Now Wells Fargo is denying me a court ordered refund because such records doesn't exist because of above mentioned circumstances. I truly believe that Wells Fargo is aware of my situation and is trying to take advantage of me once again. Now I've become aware they are doing this to thousands of other people. 

I will like to file an official complaint AND open an investigation into this matter XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Called to get an extension on my auto loan account within 10 days of my pass due date. Spoke with multiple different customer service representatives that could not help with this transaction. I was transferred to a supervisor Same day XX/XX/XXXX at XXXXXXXX XXXX  that attempted to help and ask for me to call back in two days because the system needed to update. I gave it two days and called back and my account ended up with a voluntary repossession on my account that I didnt request and for From XX/XX/XXXX until XX/XX/XXXX my account was stop I wasnt able to make any payments and no customer service representatives would help me. I was transferred many times and was able to get to collection and she had removed the stop on my account and I wasnt able about to make a payment. My reasoning for the complaint is I never gave my account or routing number to anyone over the phone and I noticed my previous bank information was removed and my other banking information was input into the system and my payment I scheduled came out of my bank I didnt authorize for it to. I had this vehicle for two years and only used one account. I feel scammed and fraudulent activity is going on with the financial company Ally auto loan. I dont not feel safe with this company nor do I feel my banking account is safe after this altercation.
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX
Product: Mortgage

We applied for a construction to permanent loan in XXXX, and after months of providing the bank documents and updating documents we previously provided we finally closed on XX/XX/2021. We were frustrated with how long the process took but once the loan was closed we thought it would all be ok. Now over a month has passed and we have no documentation on our loan. We have no note, no mortgage, and nothing that shows we have a mortgage with Citizens Bank, N.A. I was trying to be patient but we are in the process of building a home and the contractor asked us on XX/XX/XXXX that we draw on our construction line that we set up. We have paid the closing fees and are accuring interest, However, when we contacted Citizens, they had no record of our loan in their sytem. We called multiple departments and the only department that could help us, the construction department, did not pick up their phone, We left multiple voicemails and sent emails and finally heard back after days of trying. The bank informed us that after over a month our loan has still not been boarded and is not available. Again, it has been over a month, and the bank is unable to give us access to our construction line. At this point it is delaying the construction of our house, because the contractor needs the funds, and is costing us time and money.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Federal Law 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reportsExcept as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX  XXXX XXXX has been furnished onto my consumer report and this specific furnishing is an extreme adverse item of information which antedates my report by XXXX years.
Product: Checking or savings account

I received a notice from XXXX stating they was withdrawal XXXX from my account. It ask for a signature for withdrawal I didn't sign anything when I click on the email it stated thank you for your completed document but I didn't open the rest of it. They sent me 5 emails. The last time I had a XXXX account was years ago. I'm scared to log in This happened before and I closed the account. I just want make sure none of my personal account get touch. 
Sorry for all the screenshots
Product: Credit reporting or other personal consumer reports

A derogatory rating on my account has already caused tangible financial damage, including a denied loan application and increased interest rates on existing credit accounts. This negative rating has inflicted significant financial and emotional distress, threatening my economic stability and future opportunities.
Product: Debt collection

This is a addendum to complaint XXXX. I have sent XXXX everything they 've requested yet they continue to disseminate false information to my Credit Report. 

Please be advised if you do not remove this Tradeline from my Credit Report I will sue your company for violations under FCRA/FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 I was laid off from my position due to Covid19. I have a small car loan with XXXX XXXX, and they agreed to a forbearance program for the months of XXXX through XXXX. When the 3 months expired, I called and asked them for an extension, in which they agreed to. They stated that I had to sign a new agreement form and send it back to them. Upon receiving the new form, I signed it and sent it back immediately. I did not hear anything more from them so I did not make my XXXX and XXXX payments. At the beginning of XXXX I received a phone call from XXXX XXXX XXXX collection department stating that I was behind on my payments. I explained that I had an agreement that I would not have to make the payments for the months that they claimed I was delinquent, and they stated that they did not received my signed form back so they did not put the agreement through. I never received any notice up until this point that they had not received the form, or that any payment was being considered late. I asked the girl if I should pay something in order to not have my credit effected, and she stated that she was going to send a new form and as long as I signed it and sent it back that I would be fine. I did so immediately. A week later, I received a notice from XXXX ( whom I have a monthly monitoring service with ) that XXXX XXXX had reported a 30 and 60 day late on my credit report for the months of XXXX and XX/XX/2020. I immediately called them and they claimed that there was nothing that they could do. I filed a dispute with all major credit reporting companies and the results came back that they took the 30 day off for XX/XX/2020, and kept the XXXX delinquency on my report, changing it to a 30 day late. I have now re-disputed my case with all credit agencies 3 times, providing the documents from XXXX XXXX that prove I was not to make my payment for that month. The results continue to come back the same, XXXX XXXX refuses to remove this from my credit report. I have also contacted XXXX XXXX numerous times only to be told that they will not help me. I am XXXX years old and have never in my life had a single late payment. My credit has dropped 100 points due to this and I am hoping that someone can help me to get this removed from my credit like it should have been from the beginning.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX XXXX. I am filing this complaint completely for my self. I have not received any assistance in filing this complaint. My consumer report has violations that have caused me and my family harm. XXXX  [ Account # XXXX ] is in direct violation of 15 USC 168s-2 ( a ) ( 1 ) ( E ) ( ii ). {$2500.00} and {$3600.00} of this loan have competed the rehabilitation process. Delete now.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : CFPB # XXXX Dated : XX/XX/2018 CFPB # XXXX Dated : XX/XX/2018 To Whom It May Concern : Please note that I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act. The FCRA requires you to verify the validity of the item ( s ) within 30 days. If the validity can not be verified, you are obligated by law to remove the item ( s ). It has now been more than 30 days, And I have not received any proof that your company validated the debt. Therefore, in accordance with s.1629e ( 8 ) of the Fair Debt Collection Practices Act, That clearly states that any information know to be false, can not be reported to any credit bureau , In the event that you can not verify the item pursuant to the FCRA , and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I look forward to an uneventful resolution of this matter. 
Please send me a copy of my updated credit report as soon as the above has been completed. Thank you.
Product: Credit card or prepaid card

I ordered a couch and ottoman from Wayfair in XX/XX/2021. I got a Wayfair credit card only because of their 0 % interest promotion ( which they're still advertising https : /XXXX ). I set my account on autopay, which has been in place since the beginning. When I logged in to pay off the balance before the XXXX year XXXX interest period ended, I realized they never applied the 0 % interest promotion to my account at all. They had been charging me over 30 % interest the whole time. I called to have them fix their error and they said because I didn't alert them within 60 days, there's nothing they can do. 

First of all, it's THEIR error, not mine. Therefore, their responsibility to catch, not mine. In fact, I don't believe it was an error at all. I think they do this as common practice to everyone who gets a credit card from them and unless the customer catches the interest charge, they do not apply the promotion.
Product: Credit reporting or other personal consumer reports

I have received a copy of my credit report, and Im disputing the following information that appears on my TRANSUNION report. 
XXXX XXXX XXXX has fraudulently reported on my TRANSUNION record. I am a victim of identity theft and I never opened this account. Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that this be removed completely and permanently from my credit report immediately. 
I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 

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

Please be advised that as of XXXX XXXX2025 as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : - XX/XX/XXXX XXXX {$25000.00} - XXXX XXXX XXXX - XXXX - {$34000.00} I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Product: Debt collection

I was contacted by XXXX XXXX XXXX The debt was incurred in XX/XX/XXXX they are reporting it as XX/XX/XXXX Not only are they re-aging this debt, but I don ; t  know what it's for this debt is out of statute
Product: Mortgage

Firstly, this is a new complaint against the same mortgage company ( Nationstar ) as my first complaint was. 
In my first complaint ( XXXX ) I outlined the tardiness of Nationstar in completing the foreclosure on the property at XXXX, MN XXXX, a Condo. 
After my separated wife stopped payment in the XX/XX/XXXX, Nationstar appropriately notified us of a foreclosure action on XXXX XXXX, XXXX. My wife abandoned the Condo in XX/XX/XXXX-XX/XX/XXXX and later called to the bank to notify them that she was stopping the payments of the gas & electricity. Nationstar did not proceed forthwith to complete the foreclosure until the Sherriff Sale in XXXX XXXX ( Over three years ). In the mean time Condo Assn Fees, Late Fees, Attorney Fees and Assessments were accumulating. I just left the District Court with a Judgement against me for {$10000.00} due to their tardiness in proceeding with the foreclosure. Had they executed in a reasonable time, the damage would not have been so great. What would have been a reasonable amount is now a hardship. In addition, in my first complaint, I reported that the Nationstar management company was inept in protecting the Condo and in XXXX XXXX when I learned of the Zombie Home situation, I re-entered the Condo with the idea of renting it someone who could at least pay the Condo Fees. What I found was XXXX busted pipes from freezing, which cost {$3000.00} to repair.
Product: Credit reporting, credit repair services, or other personal consumer reports

that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX  XXXX XXXX .... Balance : {$560.00}
Product: Money transfer, virtual currency, or money service

I received a message from this number. 
XXXX XX/XX/2021 @ XXXX XXXX ( 2 ) hours to confirm your phone. ( XXXX XXXX XXXX ) [ XXXX ] [ XXXX ] Thats the message I received and I immediately knew its a scammer and so I did not open the link or anything so I blocked that number and want to report to you right away
Product: Checking or savings account

Bills are past due and I really need access to my funds. My account was frozen after withdrawing funds ( multiple withdrawals adding up to about {$560.00} ) from my PayPal account to my Venmo account via my Venmo Debit card ( I do not have a PayPal Card and needed to withdraw funds via ATM ). I am 100 % verified on both accounts and never had any issues. I have provided my ID, as well as a selfie of me holding my ID as requested for verification purposes. I am willing to verify my identity via video call as well. Whatever it takes. I live paycheck to paycheck and this freeze on my account is putting my family at risk of becoming homeless. If Venmo 's security system was triggered for or was not satisfied with me adding funds via the method used, I am ok with Venmo reversing my withdrawals back to my PayPal account. I have a beautiful XXXX XXXX XXXX XXXXr and a XXXX XXXX XXXX XXXX I ask that Venmo release unfreeze my account and allow me access to my funds. I can not wait even a day longer. It has been a week.