23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

About a month ago, I received a call about a debt. They have sent me an itemized list of the debt, but with it, I couldn't get any information from the original creditor. I sent them a dispute, since I wasn't able to get any information on the debt. Today, XX/XX/19, they called me, and I asked her for more information. She claimed that I never gave them my address, which I did -- and said that it was my fault that I didn't get any mail from them. I asked her to send further verification that it is my account, and she said they've sent all they needed to. When I kept asking for a written document showing me more details, she said that she will put me down as " refused to make payment '' and hung up on me. I kept calling, and she would hang up. I feel like if I can't find anything about my bill with the information they gave me about my original creditor, then they should provide more, but they're refusing to. They were willing to provide some info through the phone, but I wanted it in writing. She go pretty loud when I asked for that. What do I do? : (
Product: Debt collection

McCharthy, Burgers & Wolff sent me a letter with a. Total amount of debt of XXXX when I called they wouldnt give me any info other that they said I stayed at the XXXX XXXX XXXX and I owe that money. I just had an XXXX account number that was provided to me from the letter they sent. I contacted XXXX they found out someone did a reservation online for dates XX/XX/XXXX to XXXX with an XXXX XXXX card and using my info address to open an account with them and email address different than mine. So I explained them that I got my driving license and XXXX XXXX card stolen on XX/XX/XXXX and that card that they used to do reservation was already cancelled same day. 
I didnt do any reservation and I was in XXXX XXXX XX/XX/XXXX to the XXXX. I tried to contact collection company by email attaching police report, credit card email solving problem and agreement of disputing the charges in my XXXX card, issuing me a new card, and my new driving license issued date But just the email they provided doesnt work and my emails got refused to send.
Product: Checking or savings account

I am reaching out to express my concerns regarding my former account with Navy Federal Credit Union and the overdraft protection service ( OOPS ). I had both a checking and savings account, with overdraft protection set at {$500.00}. However, I encountered a situation where I exceeded the overdraft limit by {$400.00}, leaving my account {$900.00} negative. 

Heres what happened : I would use my debit card for transactions, which are typically reflected in real-time. However, there were instances where my account balance would not update instantaneously, even after I swiped my card. I relied on the updated balance displayed in my account to manage my spending, but transactions from up to a week prior would suddenly process all at once. This created a situation where I thought I had sufficient funds, only to later discover that my account was overdrawn. 

For example, I would swipe my card thinking my account had available funds, but later, when attempting another transaction, my card would be declined. When I checked my account, I would see that a large batch of older transactions had suddenly cleared, leaving my account far more overdrawn than I anticipated. This issue ultimately caused me to exceed the {$500.00} overdraft protection limit, which I thought would have automatically declined further transactions once the limit was reached. 

I also dont believe it is fair for me to have to repay an amount that could have been prevented had the system accurately tracked and updated pending transactions or automatically declined transactions beyond the overdraft protection limit. I relied on the system to manage my finances effectively, and this lack of real-time updates caused significant issues. 

Because I was unable to address the negative balance immediately, my account eventually closed, and I now owe a balance on the closed account. I would like to understand how the system allowed transactions to exceed the {$500.00} overdraft protection limit and why transactions were not declined once that limit was exhausted. 

Thank you for taking the time to review my concerns.
Product: Credit reporting or other personal consumer reports

I DO NOT consent to any automated scan response or XXXX XXXX  verification methods. 

I previously disputed this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX RE : Account number XXXX I requested the following information : The amount claim the Principal owes. IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge. Full accounting ledger. All legal documents. An explanation showing me how you have computed the amount. Copies of any documents that prove I agreed to pay the alleged amount. The identity of the original creditor. Confirmation that the account has not crossed the statute of limitation ( SOL ) period. Evidence that you are a licensed debt collector. An invoice of the products/services ordered. Dates of products/services being rendered. The address the products/services were rendered to. My signature showing that these products/services were authorized by me. 

I submitted a complaint to the CFPB : Please refer to CFpb complaint number- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX BANK XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

THERE WERE AN ACCOUNT OPENED IN MY NAME A FEW YEARS BACK I BELIEVE THE NAME OF THE BANK WAS FIDELITY AND THE ACCOUNT WAS CODED AS FRAUDULENT. WITH THIS ACCOUNT BEING CODED AS FRAUDULENT MY ACCOUNT THRU ANOTHER BANK CLOSED MY BILL PAY ACCOUNT BECAUSE OF THIS. I HAVE MADE SEVERAL CALLS AND LEFT SEVERAL MESSAGES TO THE FRAUD DEPARTMENT AT FISERV TO GET THIS REMOVED. BUT A MONTH LATER NOBODY HAD RETURNED ANY OF MY CALLS AND THE MATTER IS STILL OPENED. I WANT THIS ACCOUNT CLEARED FROM MY NAME AND SOCIAL AS IT WAS OPENED WITHOUT MY APPROVAL AND IT NEEDS TO BE DONE ASAP AS IT IS HARMING ME.
Product: Prepaid card

Cash App have asked me for verification several times to send my Id card each time before, I can use the card. They asked me to verify my address, and ID and other questions. I have sent to them through there verification progress, by downloading my ID into their system. 

The give me no explanations as to why.
Product: Vehicle loan or lease

I have been a long time customer of Volvo and Volvo Financial Services over the last six ( 6 ) years and three ( 3 ) vehicles. During that time, I have never had a late payment or negative mark of any kind on my credit. However, when upgrading my lease from my second lease to my third lease, Volvo Financial did not update my current Volvo Financial portal account as it had done in the past. This meant that my auto-pay settings from which all of my previous payments were made never rolled into the new lease ( as had been done in the past ) and the automated payments that I had relied upon in the past were not made. As a result, no payments were submitted for two months which lead to a 30-60 day non-payment event on my credit report. In addition, no attempt was made to contact me in order to let me know that the third lease was behind in payment. It was only when I tried logging into my Volvo Financial Portal account did I realize that my original account was deactivated and I would need to register a new account for the new lease ( a step that I did not have to take in my previous two leases ). Once I registered for a new account, only then did I see that my account was two ( 2 ) months past due. Upon realization, I immediately paid the outstanding amount and set up a new auto-pay. This new requirement for creating an entirely new Volvo Financial Portal account for each lease was not made known to me until it was too late. In fact, when I spoke to my Volvo Dealer at the time of the third lease, he told me that I would NOT have to update my Volvo Financial Portal account. I followed up with him after learning this and he and his team were completely unaware of this new requirement. Volvo Financial has been a wonderful leasing company and this situation does not change that opinion. I realize that I represent a bit of an edge case ( three sequential leases ), but still believe that I shouldn't be held responsible for a change in their technology platform impacting an auto-pay function that was set up and working for the first two leases. Hopefully, this story helps anyone working with Volvo or a customer of Volvo Financial avoid this situation.
Product: Debt collection

I am being contacted by a law firm for a debt I do not owe. I have kindly ask this debt collector to verify the information according to the laws of consumers. I have requested the original documents and verify the information accordingly. They have not been able to. I was a victim of identity theft in which I reported this information to the FTC and credit bureaus. This debt collector is harassing me for debt I do not owe and wants me to enter into an agreement with them that I am not required to do by law.
Product: Student loan

During my 3-year period as a XXXX, I had chosen to place my loans in deferment, which is an option that is allowed, and is interest-accruing. When I finished XXXX and my partner and I were applying for a mortgage, the lenders identified numerous accounts that had been reported to credit bureaus as delinquent. The time period in question was early XXXX months where I was still actively a XXXX. I wrote to Navient to dispute the delinquency, with all the required paperwork, and was denied to have the bad reports removed. I am still struggling to raise my credit score to where I can get approved to buy a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is such a simple fix. XXXX is the only credit report that needs to be updated showing no lates. Makes no sense why Capital One changed the status almost a year later after it was corrected by Capital One. My score dropped 44 points XX/XX/2020. Next step will be a lawyer. Seems as if Capital One would like to avoid that? 

Thank you, XXXX XXXX
Product: Debt collection

I receive 2-3 calls per day at my employer from XXXX XXXX. Ive repeatedly mentioned this is my work and to cease calls at my employers number. If I block a number, the next day XXXX will continue to call using another XXXX XXXX phone number.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : URGENT LEGAL DEMAND FOR IMMEDIATE REMOVAL OF OUTDATED ACCOUNTS AND CANCELLED DEBTS NOT DELETED Dear Sir/Madame I am formally disputing the continued reporting of the following accounts, which are illegally remaining on my credit report in violation of federal law : Creditor Name Account Number Date Opened DEPT OF ED/XXXX XXXX XX/XX/XXXX DEPT OF ED/AIDVANTAGE XXXX XX/XX/XXXX DEPT OF ED/AIDVANTAGE XXXX XX/XX/XXXX DEPT OF ED/XXXX  XXXX XX/XX/XXXX DEPT OF ED/XXXX  XXXX XX/XX/XXXX Legal Violations & Grounds for Immediate Removal The accounts listed above exceed the legal time limits for reporting, violating multiple sections of the Fair Credit Reporting Act ( FCRA ) and the Internal Revenue Code ( IRC ). 

FCRA Section 605 ( a ) ( 15 U.S.C. 1681c ) Negative information must be removed after 7 years from the date of first delinquency.

The above accounts exceed this time limit, making their presence unlawful.

FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) IDENTITY THEFT & FRAUD PROTECTION I am formally requesting removal of these accounts under this section IRC 108 ( e ) ( 2 ) Canceled Debt Can not Be Collected or Reported These accounts were charged off and reported as canceled debt, they can not remain on my report under IRS and FCRA guidelines . 

The continued reporting of such accounts is illegal. 
15 U.S.C. 1681o Negligence & Non-Compliance Liability : Creditor Name Account Number 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 XXXXXXXX You have failed to comply with federal reporting laws.

Your negligence in maintaining accurate credit data has already caused financial harm to me.

If not resolved, I will pursue legal action, seek damages, and report this non-compliance to federal agencies.

Required Action & Legal Consequences I demand immediate deletion of the accounts listed above. Failure to comply within 15 days will result in : A formal complaint to the CFPB, FTC, and state attorney general for FCRA violations.

A potential lawsuit seeking damages under 15 U.S.C. 1681o and 1681n ( Willful Non-Compliance ). 
Reporting to IRS enforcement if charged-off accounts are still being illegally reported. 

Final Warning : Immediate Deletion Required This is your final notice. If these accounts are not immediately removed, I will escalate this matter legally. You are liable for statutory damages of up to {$1000.00} per violation, along with attorney fees, per FCRA law. 

Please provide a written confirmation that these accounts have been deleted and an updated credit report reflecting the correction. 

Sincerely, XXXX XXXX
Product: Credit reporting

I am filing this complaint because experian has fail to provide me with the documents that their company has on file to verify the accounts i disputed. Being that they have gone past the 30 day mark and can not verify these account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information that can not be verified. '' that i have disputed. Please resolve this matter as soon as possible
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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federallv protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven vears. 15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I was approved for NC unemployment back in XXXX. I had it to where the money would go to the nc des debit card with bank of america. I never recieved the card, I called several times in regards to where my card was located. All i was told was that it was mailed to me. Turns out either it never made it to my mailbox or someone stole it. Now my entire unemployment funds have been used. I called bank of america to report it, I submitted docutments to show that during a duration of the time i wasnt even in the same state that the card was being used in. Bank of america instantly denied my claim. told me i had five days to turn in doucments, they never mailed me any letters in regards to who and where i had to send these documents to. I had to call and have a repersentive give me the fax number. I orginally filed my claim for fraud on XX/XX/XXXX and three days later I was told that it was denied. I asked to have it reopened sent over the nessecary docutmentions, one day later they denied my claim. I feel as if they instanlty denied my claim without actually doing any investagating. Now im out of close to thirty thosands dollars and homeless with XXXX kids.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company continues to report inaccurate information again and again ...... I have received more headaches dealing with XXXX XXXX bank then any other bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my report from XXXX XXXX  that has not reported new information since XXXX 2022. There are now TWO accounts on my credit report from XXXX XXXX, even though I only hold one line of credit. The should not be two accounts on my credit report from XXXX XXXX, and the correct balance is XXXX DOLLARS.
Product: Debt collection

ALPINE CREDIT INC on behalf of XXXX XXXX MD put a {$38.00} collection account on my credit they are claiming to be my wife 's. One that I know I never co-signed on, yet they are reporting it as such. When I call to have them correct the issue they become combative, wrongly tell me this is Colorado State Law and hang up on me.
Product: Credit reporting or other personal consumer reports

Account Status and Personal Information 's are incorrect please delete them all of the accounts reporting has a violation and it affects my social well being and mental health
Product: Credit reporting or other personal consumer reports

I did notice that each time I log into my credit report there is an account that has been being reported for the last 5 years that is putting me in financial debt an had became a financial XXXX on me me and I am unable to rent or become a home owner and due to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.This Company National Credit Systems is reporting fraudulent inaccurate information on my credit report.I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this account actually belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602. A states i have a right to privacy. 

15 U.S.C 1681 section 604. A section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX Dear XXXX XXXX I am writing to formally dispute an inaccurate entry on my credit report. The account with XXXX XXXXXXXX and account number XXXX. This inaccurate reporting is negatively impacting my credit report. I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. Thank you for your assistance.
Product: Mortgage

Hello : I received a very manipulative/ deceptive letter in the mail from Intercontinental Capital Group , Inc. , that I believe is a home equity scam and could easily make homeowners lose their home, which would always be terrible but is particularly bad in a housing market like XXXX XXXX, where there's a dire shortage of housing. According to the XXXX XXXX and XXXX, about one-third of the homes sold in the region nowadays are being purchased by investors, and among metro areas, XXXX now ranks number one in the percentage of houses sold to investors. 

I'd hate for any of my neighbors to lose their home in a scam like this. Thank you! I'm attaching the deceptive letter that came in the mail.