23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX am I received a phone call from a company who refused to tell me who they were and insisted on me telling them who I was a verifying the last 4 of my social before they will even tell me who they are. I refused and hung up. 

XXXX am I called back to ask who this was that was calling me and they once again refused, it wasn't until I threatened to make a report that they told me who they were very muffled and muted so I couldn't understand. I insisted that they spell the name for me which they did they stated there name was Unifin Inc... I asked out of XXXX XXXX  and they said yes. The individual then stated that they needed to confirm who they were talking to and I said good luck, as I was ending the phone call the individual said we will find out sir. I ended the call. I have no debts owed to this business and they are being very sketchy in collecting individuals information. Their phone number from both calls is XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not XXXX and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Product: Checking or savings account

Coinbase has kept my account under manual review for about 7 months now. The email I received stated that my issue would be resolved and my account would be usable within 3 months at the latest. However, they keep asking me for the same documents repeatedly, and I doubt they are taking them seriously and actually reviewing them. I stopped responding to them, but when I saw that I had no other option, I decided to respond again. They informed me that my account had been restricted because I did not respond within 15 days and that they would respond if I provided the requested documents on the latest email complaint record. I replied, sent the requested documents, but two months have passed and they have not contacted me. I reached out to them again wondering if they had seen my response, but there was still no reply. I then contacted them XXXX XXXX, and they said they were working on it and would get back to me as soon as possible. What kind of 'as soon as possible '? Not only have they caused me inconvenience, but they haven't responded for two months now. I demand that the restriction on my account be lifte
Product: Credit reporting or other personal consumer reports

This Account was charged off on the following date, XX/XX/year>. Since then the account has been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an accretive payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding deletion of the following account : XXXX XXXX Account - XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and dissatisfaction regarding the unsuccessful attempts to remove a charge-off accounts entry from my credit report. Despite multiple efforts to address this matter, the charge-off persists, causing significant distress and affecting my creditworthiness. 

I have made numerous attempts to dispute and rectify this situation, providing documentation and explanations to support the removal of this charge-off from my credit report. However, it is disheartening to note that these efforts have been unsuccessful. 

I urgently request the following actions be taken : Thorough Review and Verification : Conduct a comprehensive review and verification of the charge-off entry in question, considering the documentation and explanations provided during previous disputes. 

Communication Enhancement : Improve communication channels to keep me regularly informed about the progress made on my dispute and the steps being taken to address the charge-off.

Escalation of Dispute Resolution : If the charge-off is found to be inaccurate or incomplete, I request an expedited resolution and the immediate removal of the entry from my credit report.

Compensation Consideration : Given the prolonged inconvenience and the impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations for the stress and disruption experienced.

I understand the importance of accurate reporting on credit files and the role it plays in maintaining the integrity of credit reports. However, the persistence of this charge-off is causing undue hardship, and I am seeking a prompt and fair resolution.

Please acknowledge receipt of this letter and inform me immediately of the steps being taken to expedite the resolution. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these charge off in my credit file : XXXX XXXX Balance : {$250.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TransUnion a letter requesting my information be corrected with the correct information for my residential address and employment. I sent a copy of my driver 's license, social security card, and voter registration card along with the letter. This information is proof of my Identity. Transunion would not correct the incorrect information on my credit file. I am requesting that they update my information with the correct information.
Product: Student loan

I have been unemployed since XX/XX/2023. I applied for deferment from Mohela and it was denied. I applied again and they havent processed my application. 

Today, they took over {$300.00} from my bank account. I never gave them my banking information, and I didnt sign up for auto debit. I had NO money. My unemployment benefits still havent kicked in. My bank account is overdrafted over {$300.00}. 

Ive complained to Mohela, to the federal financial aid website, to the ombudsman. I will be contacting news outlets soon, because this is out of control. We are still in the on ramping period after Covid. I shouldnt have to pay them right now let alone have them steal my nonexistent money from my bank account. Im not the only person theyve done this to, because there are plenty of people posting online with the same story I have. They shouldnt be allowed to operate this way.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. FTC report XXXX was filed on behalf of consumer, consumer is now requesting XXXX, XXXX, and Experian to provide documentation used to determining inquiry was indeed authorized by the consumer. XXXX, XXXX, and Experian has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-Oscar report. If XXXX, XXXX, or Experian does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form XXXX treasury XXXX form to audit consumers account. XXXX, Experian, and XXXX are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Said companies have violated Privacy Act of 1974, 15 USC 6802, and 15 USC 6805.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( XXXX, XXXX, and XXXX ) and several creditor companies. 

Over the past XXXX months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted.

2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided.

3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score. 4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights.

5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

CC : Consumer Financial Protection Bureau ( CFPB ) CC : XXXX XXXX XXXX XXXX ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Federal Trade Commission ( FTC ) CC : XXXX, Equifax, XXXX Dear XXXX XXXX XXXX XXXX, I am writing to dispute the charge-off that appears on my credit report for account XXXX, XXXX and XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/year>, a transaction was made from my XXXX account of {$170.00} charged to XXXX separate cards on the account. It was made to XXXX XXXX XXXX XXXX of account number ( mono ) XXXX. I had reported this as fraudulent almost immediately I received the notification but according to XXXX, it has already been sent. I have contacted my bank who denied the case saying that XXXX was a third party app for transfers so they had no grounds to file a claim and I would have to reach out to the merchant. The merchant in turn has not responded to my claim even after multiple escalation and I have reached out to them almost everyday afterwards. My claim of {$100.00} was denied by Wells Fargo as of today. Im still waiting on the {$78.00} from XXXX resolution. Im so lost on what to do as I cant get to an agent at XXXX to connect me to this relevant department they keep claiming my case has been escalated to. The last agent requested that I also call my bank for a dispute and I have, today, communicated with them about the denial and they essentially told me to appeal. I tried that and bank told me to go back to merchant because no grounds to appeal. I keep getting sent back and forth
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave EQUIFAX permission to report anything on my consumer report. No conscent is identity theft. 
15 US CODE- 1681a ( 4 ) congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS of credit reporting. ( 4 ) THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALLY, AND RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY. 
Also equifax shared my consumer profile with XXXX XXXX in regards to an account on my report I was disputing. I did not give EQUIFAX permission to reach out to transunion in regards to an account. On my consumer profile On XX/XX/XXXX. I discovered This information on XX/XX/XXXX XXXX. I was informed by the worker who name is XXXX. I dont agree with the actions EQUIFAX XXXX
Product: Checking or savings account

Either the bank made an error or my account was hacked over XXXX dollars was sent to someone name XXXX using XXXX. I did not send these XXXX  transactions. I contacted the bank spoke to a manager named XXXX he said he I would get all my money back and I would get a credit within 10 business days. I just received a letter in the male saying no error was made and my account would not be credited. How can they do this my account was drained all my money for rent, food, transportation is gone.. Please help me get my money back. 

It is citizens bank Claim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma XXXX XXXX XXXX
Product: Mortgage

In response to a complaint that I filed with the Consumer Finance Protection Bureau against XXXX and Village Capital Investment in regards to the illegal foreclosure of my home and failure to apply payments to my loan in accordance with federal law, I received the attached letter in duplicate from XXXX XXXX and Village Capital Investment. 
The letter states that a " Notice of Breach '' was sent on XXXX XXXX, 2015 stating that I had to pay {$830.00} to cure the loan. Five days prior to the date of the letter I had already sent in a payment of {$820.00} via XXXX and then on XXXX XXXX, 2015 I sent an additional payment via XXXX for {$640.00}. These XXXX payments were made well before the cure date stated in your correspondence which was XXXX XXXX, 2015. 
In the response letter to the CFPB complaint that I placed, it is mentioned that I was refunded the {$800.00} payment that I made in XXXX 2015, the {$700.00} payment that I made in XXXX 2015 and the {$710.00} payment that I made in XXXX 2015. The letter states the {$800.00} and {$700.00} payment were returned to me via ACH transfer, but I have no record of an ACH transfer to my bank account or a refund given via XXXX. The {$710.00} check was received via certified mail with United States Postal Service tracking number XXXX. Therefore the ONLY refund I have been given in all the payments that I have made since XXXX 2015 has been {$710.00} and the {$150.00} payment that I made via XXXX was sent back to me via a XXXX cancellation of payment. Please provide proof of the ACH transfers that you stated in your letter. 
I request that all payments be applied to my account and foreclosure proceedings ceased.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear FST COLL SRV, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Missouri Revised Statutes Sections 570.223 and 570.224.

It has unequivocally come to my attention that FST COLL SRV has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section

1681b ( a ) ( 2 ). In addition to federal law, Missouri state law, specifically Section 570.223, emphasizes the necessity of consumer consent for the use of personal identifying information. Furthermore, Section 570.224 establishes clear penalties for unauthorized use of such information. These laws underscore the severity of unauthorized access and misuse of personal information.
I assert with unwavering certainty that I have not provided consent for FST COLL SRV to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that FST COLL SRV immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 570.223 and 570.224 of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that FST COLL SRV will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

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

In accordance with the Fair Credit Reporting act Radius Global Solution Acct # 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: Debt collection

I looked on my credit report and noticed that there is alleged debt that hasn't been validated placed on my credit report. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or I will be seeking litigation.
Product: Credit card or prepaid card

I would like to report a fraud that occurred in the month of XXXX, On XX/XX/XXXX, I received a copy of my credit report and became aware of late payment for my XXXX XXXX XXXX, I received a call around XX/XX/XXXX, from a a representative from XXXXXXXX XXXX XXXX XXXX that stated, if I made a money order payable to the directed address that the the representative provided me, that the payment would be considered good for two months as a promotion for saving people monthly payments on their credit card so I assumed if I paid the credit card payment for the month of XXXX of XXXX  dollars and send the money order to the provided address, which my understanding is that I would be in good standing with the payment, well I come to realize a few months later that the person to who I spoke to was not a representative of XXXX XXXX XXXX XXXX and the money order I wrote was directed to an unauthorized place I would like to make a police report in regards to the fraud call made on behalf of XXXX XXXX XXXX XXXX which took my money for my credit card payment and funneled it to another location this needs to be documented and reported so it won't happen again XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX XXXX RE : LATE PAYMENT REMOVAL FROM RECORD XXXX  XXXX XXXX  XXXX Dear Experian I received a call around XX/XX/XXXX, from a representative from XXXX XXXX XXXX XXXX that stated, if I made a money order payable to the directed address that the representative provided me, that the payment would be considered good for two months as a promotion for saving people monthly payments on their credit card so I assumed if I paid the credit card payment for the month XXXX of XXXX XXXX and send the money order to the provided address, which my understanding is that I would be in good standing with the payment, well I come to realize a few months later that the person to who I spoke too was not a representative of XXXXXXXX XXXX XXXX  XXXX and the money order I wrote was directed to an unauthorized place I am writing to request that the late payment of 30 days or more be removed from my credit report. On XX/XX/XXXX, I received a copy of my credit report and became aware of the late payment. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. 
It would help me immensely if you take the late payment off my XXXX XXXX XXXX history and make an adjustment to remove the late payment for the month of XXXX and XXXX due to fraud and no fault of my own, i have never been late on any of my credit cards or any other commitment i have financially. I also filed a police report to state the crime that was committed for taking my money and representing themselves as your company. 
Thank you for your consideration, and I hope you'll approve my request
Product: Credit card or prepaid card

I the consumer and the natural person was denied credit, by Chase Card Services when I applied for a new XXXX XXXX XXXX XXXX account. 

Adverse action against a consumer is Against the Law according to the equal credit opportunity act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 

they are subject to criminally liable for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Chase Card Services due to the response I received. 

Chase Card Services is in violation of 15 U.S Code 1642. U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( Credit Card ) was used, I received NO benefits. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Chase Card Services.