23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of XXXX I received a call from a debt collector regarding debt. I let the person know I had never received a bill and would not pay this debt unless I could verify that it was MY debt and actually due. The representative was rude and hung up on me. 

To date I have never received any documentation regarding this debt, therefore I have not paid it. 

If a debt collection agency can hit a persons credit with inaccurate information or with claims of a debt whats to say any of these accounts are accurate.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I sent certify letters off to XXXX Transunion and XXXX requesting the removal of inaccurate accounts on my credit report that are affecting me. I did include my two forms of identification. Accounts I disputed still remain on my credit report many that do not even say " currently in dispute '', accounts showing as an open collection, companies I have not heard of or recall having an account with such as XXXX. I asked them to validate an account called XXXX XXXX on my credit report and also all of these accounts I am mentioning have missing information, the payment history is not matching with the date accounts were open, there are just so many invalid entries that I can not understand or read my credit report properly so I am requesting that if the CFPB can not either, then to please request that the companies remove these. 

Today is XX/XX/year> I have not gotten any response from any of the listed companies. I was told that if they fail to respond I could escalate it to the CFPB and demand they remove the information since it has been past the 30 days for investigating. I heard this is the law. 

Please help me to remove this damaging information.
Product: Debt collection

THE US DEDPARTMENT OF EDUCATION - Great Lakes Higher Education is reporting to credit bureaus while, these companies continue to ignore all proof of claims regarding a dispute for over 2 months and with no response what so ever as well as continuing to report inaccurate information ( FCRA Section 611 Part ( A ) ( 1 ) ). I may presume that no proof of the alleged debt, nor thereof, any such debt, in fact exist. ENGELGARDT v. GRAVENS ( MO ) 281 SW 715,719. And an immediate removal of these inaccurate debts. I have sent countless registered mailings, made phone calls, and have disputed properly online. In addition, refusing and ignoring proof of claims, to correct my information on all bureaus credit sites. I now am PETITIONING FOR ARBITRATION. As the company continues to falsely report inaccurate information in collusion with these third party credit bureaus and XXXX XXXX XXXX XXXX, as well as trying to collect SAID " DEBT '' with unfair debt collection practices in accordance to 15 USC 1692.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Federal Trade Commission ( FTC ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against TransUnion for Reporting Inaccurate Information Dear Sir/Madam , I am writing to formally file a complaint against TransUnion regarding inaccurate reporting of one of my accounts information.This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically section 607 ( b ), which states that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. 

I have recently discovered that TransUnion has included inaccurate information on my credit report, which appears to be linked to identity theft. This misuse of my personal information is concerning, as it undermines my financial credibility and affects my ability to secure credit. Identity theft occurs when someone unlawfully uses another person 's personal information, such as their name and Social Security number, without authorization. 

Additionally, I request that the account associated with XXXX XXXX XXXX be removed from my credit report, as it is a violation of the FCRA to report information that is not accurate. I have supporting documents that substantiate my claim and demonstrate that this account is not a charge-off. It's best contact XXXX XXXX XXXX about this account. Wanted to point this out as well Transunion continues to send me by mail stall tactic letters. 

I kindly ask that you investigate this matter promptly and take appropriate action to rectify the inaccuracies on my credit report. Please inform me of the outcome of your investigation and any steps taken to resolve this issue.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau the documents needed and a letter fro an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of The Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX  XXXX and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX and Equifax. Please delete XXXX XXXX acct # XXXX bal. {$3400.00}. 

Thanks for your help
Product: Credit card or prepaid card

Capital One Case Number : XXXX Redlin Fitness inadvertently charged my Capital One card in the amount of {$280.00} not once but twice. 

When XXXX XXXX promised to refund both charges and only one processed, I filed a dispute with Capital One. 

Capital One saw his mistake and properly credited my account in the amount of {$280.00}. 

However, Capital One later saw the single refund that was processed for the inadvertent XXXX charge and ran an unwarranted PURCHASE ADJUSTMENT for {$280.00}. 

In doing so, Capital One completely ignored the inadvertent XXXX charge in the amount of {$280.00} that failed to refund as promised. 

As a result, Capital One now shows a fraudulent charge in the amount of {$280.00}. While Capital One initially properly credited this amount, the company failed miserably and charging this amount back to my card.
Product: Money transfer, virtual currency, or money service

It kept on saying I owe large amounts of money and kept trying to take it out my account once I had the funds it took some of the funds
Product: Credit reporting or other personal consumer reports

Experian is being stupid. I previously filed CFPB complaint ID XXXX because I wasn't able to access my annual free credit report via www.annualcreditreport.com as required under federal law. Experian idiotically kept this ticket open for XXXX months with pointless updates as if they were reviewing a dispute item instead of a technical glitch troubleshooting resolution. I will continue filing tickets as many times as needed until Experian does what they are required to do under federal law and facilitate my ready access to my credit report on a weekly basis without having to pay for postage and wait months for replies.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Act Name : XXXX  XXXX XXXX, XXXX Number : XXXX, Act Name : XXXX XXXX XXXX XXXX Number : XXXX Act Name : XXXX XXXX XXXX, XXXX Number : XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which anteaters the report by more than XXXX ( XXXX ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable XXXX Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. XXXX XXXX XXXX, XXXX CARD, XXXX, XXXX CO XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXX ( XXXX ) years
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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: Debt collection

During the summer of 2018, I was sold a nonfunctioning alarm by a disreputable company named XXXX. I was required to make XXXX monthly payments, but Ive refused to make the third payment because the alarm never function from the day it was installed. The company XXXX sent out people to repair the alarm 3 to 4 times and they were never successful in fixing the alarm. They also refused to take the alarm back and refund my money. Over the many years, this company has called and harassed me personally about this last payment. They have called and harassed my siblings, they have called and harassed my children, they have called and harassed my financial advisor/friend, and they have called and harassed my former employer. Each time they make a call to one of those listed above, they claim that they are calling about an urgent court related matter, and that they need to speak with me immediately to avoid further legal action. This has caused me considerable distress in explaining things to my family, employer and children. 
I have repeatedly asked them to never contact me or anybody else regarding the last payment I refused to pay, due to a nonfunctioning product. Over the years, they continue to violate my request.
Product: Money transfer, virtual currency, or money service

Dear PayPal XXXX XXXX, I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I believe this limitation is a result of a misunderstanding, as I have not violated any of PayPal 's policies or engaged in unauthorized activities. 

Maintaining a positive and trustworthy relationship with PayPal is important to me, as I have been a dedicated user for an extended period. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a thorough reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

Thank you for your consideration. I look forward to your prompt response and the opportunity to resume using PayPal 's services. 

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

I am writing to bring to your attention a serious matter regarding the handling of my credit report. I have experienced persistent issues with the presence of fraudulent items on my report, and despite multiple attempts to rectify the situation, these items have not been adequately addressed. I am deeply concerned about the impact this has on my creditworthiness and overall financial standing. 

I have attached supporting documentation, including police reports, affidavits of fraud, and any other relevant materials, to substantiate the fraudulent nature of these items. 

I kindly request that your agency conducts a thorough investigation into these matters and takes immediate action to remove the fraudulent items from my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure the accuracy of the information they report, and the presence of fraudulent items is a direct violation of this regulation. 

I expect your agency to adhere to the necessary protocols and guidelines to address and rectify these issues promptly. Additionally, I request regular updates on the progress of the investigation and the actions taken to remove the fraudulent items. 

Please provide a written response within 30 days of receiving this complaint, as required by the FCRA, confirming the steps taken to address these issues and the results of the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX
Product: Checking or savings account

I asked Citibank to close my accounts and return me my money and they refuse to do so. They say my accounts were compromised and I dont believe they were. The dates are XXXX to XXXX, 2023. The amounts are : {$280.00}, {$980.00} and {$1000.00}. I have given Citibank employees security words and SS #. They dont allow me to access any mobile app and do not answer my mail requests.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing you to update my personal information. 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX, XXXX, P.A XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.
Product: Mortgage

I have been asking Wells Fargo Home Mortgage to provide me with information about my loan status and what I need to get current ( not counting my Bankruptcy protection amount ), but they can not seem to provide accurate information. I am in Chapter XXXX Bankruptcy so I have protection and I have been making my payments to the Trustee, yet Wells Fargo is threatening to foreclose on me. I do have some late payments to them after my Bankruptcy, partially because they do n't allow online payments XXXX making it even more difficult for me to manage my account when they should make it even easier ) and I have to mail them a check every month. Every time I ask them to provide me with what I owe them, they include the amount I have in bankruptcy protection, which is accounted for separately. I can not access accurate information about my loan online and have to talk to XXXX of their so called " experts '' in the bankruptcy department, who can never accurately answer my question. All I need is a printout of my loan information and how my payments have been applied. I also want to know how they are applying my Chapter XXXX Trustee payments. Futhermore, I tried to apply for the so called XXXX modification plan and they did their best to make sure I did not qualify. They said I had too much debt. The whole point of the modification is that I need help to make my payments, and reducing my mortgage payment would help, which is what the plan was created for.
Product: Checking or savings account

On XX/XX/year>. I contacted robinhood support about disputing and potentially blocking a merchant that erroneously charged my account. The support agent I talked to via chat, asked me if I would like them to monitor my account for the next couple of days, and I said sure, as I didn't see the harm in it. I figured they'd be making sure the charge didn't happen again. The very next morning, my account was restricted, I contacted support again, requesting a reason why, they wouldn't tell me. I asked them what documents could I provide to prove it's my account, as I need access to the funds that is in it. They wouldn't give me an answer. All in all, any question I asked, was met with a " we can't help you '' response. A few hours passed, after multiple attempts to contact their support, to get some type of answer. I got a notification stating my account was being closed. I honestly didn't care at that point, I just wanted my money. Money that I'm obligated to pay back, as some of it was a personal loan. I regularly got direct deposits from my job placed into that account. I don't care if they close the account, as I'll never trust them with my money ever again, but I am entitled to the money I worked for, and earned. I want it back. They're actively stealing from me and refuse to give me a reason why. That is unacceptable, it's theft, any other person or entity on earth who did that would be placed in jail, how are they getting away with this? Judging by my research, I'm not the only one, apparently they regularly do this to people and get away with it. I am begging for someone to help me get my money back.
Product: Debt collection

Ill work on refinery and almost never home, wife always busy so, i notice a letter from a collection agency about a service provide, my score was XXXX i take care on it and from XXXX day to another went from XXXX to XXXX XXXX i get mad and start investigating, i realize a collection under my name i was late like a said, cause i work a lot, i told wife to make a dispute, nothing change, that affect my score, i want to be remove cause is not mine. And is affecting my bussines as a consumer. 

Credit system intl.in {$2000.00} dlrs From XX/XX/year> till now Been in collection Adress : XXXX country XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. 
Please help.
Product: Checking or savings account

My account was closed back in XXXX. I received my direct deposit every 2 weeks to this account since 2018. Recently since COVID I applied for the PP program since I have a personal business I run on the side. I applied through womply and the money was sent to this account. I also had 2 disputes that were ongoing on the account, and I got a email that the funds were put back into the account. I received 2 checks from CHIME but they were only for {$0.00} and {$7.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX XX/XX/2024 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, OH XXXX Fair Debt Collection Practices Act ( FDCPA ) Violation by HELVEY AND ASSOCIATES Dear CFPB, This letter is to file a complaint against HELVEY AND ASSOCIATES for violating the Fair Debt Collection Practices Act ( FDCPA ). 

The collection agency is attempting to collect a debt from me. However, they are engaging in unfair and deceptive practices in violation of the FDCPA. Specifically, they are : Using false, misleading, or deceptive means to collect a debt. This violates 12 CFR 1006.34 ( b ) ( 5 ). 
Failing to disclose my rights under the FDCPA. This violates 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Furnishing inaccurate information about the debt to credit reporting agencies without providing the required disclosures. This violates 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 
HELVEY AND ASSOCIATES is reporting incorrect information on my credit report such as Date Opened is incorrect. Date of last activity is incorrect. 
I am informing HELVEY AND ASSOCIATES that i am disputing all owing and any debts, I am revoking all my rights of communication with HELVEY AND ASSOCIATES through email, text, calls. 
In this letter i am requesting debt validation, I am also requesting the purchase order agreement between HELVEY AND ASSOCIATES and the original creditor, I am also requesting HELVEY AND ASSOCIATES to furnish proof that they are licensed and bonded. 

I request that the CFPB investigate these violations and take action against the collection agency. I also request that you remove any inaccurate information about the debt from my credit reports. 

I have attached copies of all relevant documentation to support my claim, including : My credit report Thank you for your time and attention to this matter. 

Sincerely, Your Signature XXXX XXXX
Product: Payday loan, title loan, or personal loan

I had a loan with Bridgecrest Acceptance Corporation which I refinance in XX/XX/XXXX with XXXX XXXX XXXX XXXX. They have refused to send the Title to XXXX XXXX XXXX XXXX after the loan was paid off. 

Here 's the timeline : XX/XX/XXXX - Sent Bridgecrest a USPS Certified Letter with a XXXX XXXX XXXX Check paying off the loan. Included in the letter was the Address of XXXX XXXX 's Car Title Division WITH EXPLICIT INSTRUCTIONS ASKING THE TITLE BE SENT DIRECTLY TO THEM ... .. 
XX/XX/XXXX - per USPS my letter was delivered to Bridgecrest Acceptance Corporation .... 

XX/XX/XXXX - Was the date Bridgecrest cashed the Check from XXXX XXXX .... 

XX/XX/XXXX - Called Bridgecrest at XXXX @ XXXX - ( All Calls at Bridgecrest are recorded - they have a phone log ) I was advised they would send the title to XXXX XXXX within 3  days .... 

XX/XX/XXXX - Called XXXX XXXX XXXX to inquire if they have the Title ; They do not .... 

XX/XX/XXXX - Called Bridgecrest at XXXX @ XXXX EST ( Approx - Again their is a call log as ALL calls to Bridgecrest are recorded ). I was advised They will send the Title to XXXX XXXX and XXXX XXXX should receive it within 10 days. I asked for a reference # or the name of the CS Agent I was speaking with. I was provided niether ... .. 

Bridgecrest has not dealt fairly. They are aggressive in originating the loan and collecting the monthly payments and are negligent once the loan has been paid off. It has been OVER 3 MONTHS SINCE THIS LOAN HAS BEEN PAID OFF AND BRIDGCREST HAS REFUSED TO SEND THE TITLE TO XXXX XXXX XXXX.