23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Good Evening / and Happy Holidays! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Mortgage

I have applied online with Shellpoint Mortgage twice online for their COVID assistance program and to date they have not helped me. I need help getting placed on the COVID assistance program with lack and failure of response from Shellpoint Mortgage. Please assist
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This company is currently showing 30,60, and 90 days late. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Vehicle loan or lease

CREDIT ACCEPTENCE HAS STOLLEN FROM ME AND MY HUSBAND. 
They are 100 % aware of the fraud that accused suring our sale. They CONTINUE to force me to sue one person after another. They are next : ) As they continue to allow my truck to sit in the shop. they continue to force us to pay for a loan for goods and products we NEVER received. The ignore and Lie in every response and feedback they proved. Stating they have talked to me. They have NOT a single time. They contimiue to charge me XXXX a month for gods I did not get that are not in my possession and have not been for now 18 or 19 months!!!!!!!!!!!

I AM PERSONALLY GOING TO SUE YOU. I WONT SETTLE OUT OF COURT LIKE EVERYONE ELSE BECUAE IM GOING TO RUN MY MOUTH FROM OJNE END OF THE COUNRTY TO ANOTHER. IM GOING TO CONTINUE TO CALL THE XXXX XXXX AND SEE MY XXXX XXXX XXXX XXXX XXXX  GIVES HER A CALL NEXT WEEK. YOU ALL ARE THEIVES. YOUR CONTRACT STATES I AM OWED MONEY FOR DENIAL OF USE OF THE WRRANTY AND FOR EVERY DAY YOU CONTINUE TO DENY ME USE AND CHARGE ME!!!!! SEE YOU IN COURT AND YOU WILL SEE ME IN COURT. YOU WONT SE ME IN ARBIRTRATION. AS YOU FAILED TO FOLLOW YOUR CONTRACT AGREEMENTS NO COURT WILL MAKE ME GO TO ARBITRATION AND I HAVE A LEGAL RIGHT TO A TRAIL AND A JURY TRAIL YOU CAN TRY WHATEVER GAMES YOU WANT. PLAYED THIS GAME ONCE NOW MOVING ONTO YOU!
Product: Bank account or service

The Capital One Branch at XXXX XXXX in XXXX XXXX engaged in negligent action by notifying me prematurely of funds availability on a check drawn on XXXX XXXX XXXX and issued by XXXX, XXXX XXXX Bank. I personally requested that the bank verify this check and time was taken by bank personnel explicitly for the purpose of funds verification. Later, it became very obvious that the check was not verified before deposit. Please note that the check was never signed by me because I was waiting for verification before signature. After the Agent verified the check she did not request signature or any information from me. This causes suspect of the banking Agent who returned to the counter and informed me that it was a good check to clear at midnight. I would never have signed this check and deposit it into my account without verification. The check did clear and the funds were in my account by XXXX XXXX with no hold or pending notice. I expected the check to clear. However, I wanted to take every precaution with a first check especially of this amount and from people I do n't know. After the Bank cleared the check I felt safe withdrawing the funds the following day to complete the secret shopping work. Therefore, I did my part well as I always do to protect myself and the Bank. Two days after the bank verified the check ir was charged back and I believe the Bank is totally responsible for the loss of these funds. Either they knew it was a bad check and deposited it anyway or they negligently did not verify it as I had requested leaving me in a very vulnerable place by making funds available to me with no backing. I filed a case with the Bank Claims center who reports that the bank has no obligation nor responsibility to me as its customer regarding the loss of these funds. ( see attached letter ).
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 process 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 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account on my credit report that has the wrong account type it is reporting as auto loan when it should be reporting as a retail installment contract i have had this wrong information I have a cfpb complaint number XXXX where they stated that i signed a retail installment contract this i requested a validation of this account and was stated as correct and that is a violation of the FDCPA
Product: Student loan

This letter is concerning the Department of Educations recent decision to provide student loan information illegally to a non-authorized third party group, the Department of Government Efficiency.

The U.S. Federal Government computer system is allowed solely to be accessed by individual users expressly authorized to access the system by the U.S. Department of Education. Unauthorized use of this information system is prohibited and subject to criminal and civil penalties under 18 U.S.C. 1030 and other applicable statutes. My personal and financial information was shared with an unelected and non-congressionally approved entity without my authorization.

The Family Educational Rights and Privacy Act ( FERPA ) additionally protects the confidentiality of student records. This breach is a clear violation of FERPA and the Department of Educations responsibility to safeguard my information. Plain and simple, my consent was not obtained to access my financial information. 

Given the severity of the breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan balance in full. If I can provide any further information, please do not hesitate to contact me directly.
Product: Debt collection

I learned that a default judgment, awarded to Midland Funding, and the recent garnishment of my wages, was based on a time barred debt beyond the statute of limitations through a frivolous lawsuit conducted by their attorneys at XXXX XXXX XXXX. Midland Funding and their attorneys were fully aware the debt was beyond the statute of limitations when they manipulated my credit report, by use of " parking '' or re-aging the debt, after it was charged off by the original creditor, to circumvent the statute of limitations on a time barred debt. It was n't until I read the Consent Order dated XXXX 2015 by the CFPB that this was a violation of the FCRA and FDCPA for gross misrepresentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Talk to XXXX XXXX  about the debt i paid in full with XXXX XXXX XXXX  was told that i needed to talk to XXXX XXXX XXXX about the tradeline being reported as owing XXXX Again call XXXX XXXX XXXX and they sent me back to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing regarding all debt you have contacted me about. I am disputing this debt and am requesting validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : 1. The name and address of the original creditor.

2. The amount of the debt, including any interest or fees.

3. An itemized statement detailing the XXXX XXXX provided, the dates of service, and any payments made. 4. Copies of any documents that substantiate the debt and prove that I am legally o
bligated to pay it.

5. Evidence that you are licensed to collect debts in my state.

Additionally, please cease all collection activities and communications until this debt has been validated. I also request that you do not report this debt to any credit reporting agencies until it has been verified. 

If you are unable to provide the requested information, please notify me in writing and cease any further collection efforts. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I'm reaching out about an account on my credit report that was a repossession and charged off on XXXXXXXX I've noticed that this account is still being updated every month as " charged off '' but with an active payment history, which doesn't make sense. A charged-off account shouldn't have any payments showing up. 
It looks like this hasn't been correctly fixed, and it's really hurting my credit report. I've tried contacting the creditor. The account type is also incorrect being listed as installment as well as a switch between open/closed/charge with every bureau. 

Could you please remove this account from my credit report as soon as possible? I'd really appreciate your help with this. 

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

I tried to call XXXX XXXX and XXXX, to get answers on why and who authorized the inquiries and I informed them that those accounts are fraudulent. 
- XXXX : XXXX XXXX - XXXX XXXX  ( Bank ) : XXXX XXXX I have no knowledge of these inquiries.
Product: Credit reporting

Experian is not reporting account # XXXX, which is XXXX XXXX Credit Card. The limit on the card XXXX. This affect my utilization, which affects my credit score ... I request that Experian correct this information ASAP and it 's not showing my history of payments as well. I have attached my credit report from XXXX, which is powered by " Experian. '' Also, I sent a letter into Experian letting them know there are " inquires '' on my profile that are not mine ... They have yet to remove this information. The list is below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have contacted the creditors as well and getting no results, please have these inquiries removed ASAP. This will affect my ability to gain fair credit.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, XXXX XXXX. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX XXXX XXXX XXXX ( XXXX ). According to, XXXX XXXX XXXX XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Mortgage

I closed on XX/XX/XXXX on my condo. I couldnt close on the XXXX of XXXX. I paid off over XXXX to Wells Fargo on XXXX. I sold my condo for XXXX. XXXX would think I wouldnt have PMI with that ratio. But, it was simpler to sell my condo than try to get PMI removed!!! Wells and other banks do not make it easy to remove PMI. Btw, my credit score is above XXXX and never missed a payment for over 14 years. I refid in XXXX to get a lower rate. And, still wasnt under the 80 % ratio at the time. My issue is that Wells Fargo charged me another {$95.00} for XXXX after closing and tell me that it is pro-rated and wont refund me that money. Just another jab to get more money! I believe this is criminal! Ironically, I couldnt refi now because it wouldnt be profitable for a lender!! The entire PMI practice is a scam. Why doesnt it automatically drop off? I was told last year that it would stop in XXXX if going by original value to loan. But, that didnt happen. I shouldnt have to pay anything to get PMI removed.
Product: Credit reporting 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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX Balance : {$450.00} XXXX  XXXX XXXX Balance : {$540.00}
Product: Debt collection

My store credit card for XXXX XXXX was financed through Wells Fargo and I've taken advantage of Covid19 payment assistance that Wells Fargo has offered twice this year due to financial hardship due to the pandemic. Since there are no third assistance plans that have been offered my account went into collections 69 days ago as of XX/XX/XXXX. 
On Friday XX/XX/XXXX during an attempt to collect this debt 'XXXX XXXX from the bank called and we started to argue over the repeated calls when at a certain point when we were both speaking over each other I hung up the phone. 
On Monday XX/XX/XXXX this account was closed. 
I believe that he gave a bogus reason to close this account that is not in the playbook for their organization. I believe he retaliated because I hung up on him and now this has ruined my credit with XXXX XXXX. 
I have spoken to numerous agents during the entire collection process and I made numerous attempts to arrive at a solution past the 2nd payment assistance. I did not avoid a single agent that called prior to XX/XX/XXXX 2020 nor did I hang up on a single agent prior to XX/XX/XXXX and nor did my account get closed during any of these conversations with these agents prior to XX/XX/XXXX2020. 
I believe that the timing of the closing of my account on Monday XX/XX/XXXX in relation to my brief phone call with XXXX XXXX on XX/XX/XXXX is also significant and highly suspicious. 
I strongly believe my account would have been in good standing had I not talked to him that day. 

Why is it that all of the correspondence leading up to XX/XX/XXXX all indicated that my account was not closed? 
Now all of a sudden on the XXXX on a Friday after I hung up on XXXX I receive correspondence the following Monday that my account is closed? 

The reason stated on the correspondence dated XX/XX/XXXX was that my account was closed ''due to a violation of the terms of your cardholder agreement, your Wells Fargo Bank XXXX .. ''. 
I believe strongly that there were no actual violations to the terms of my cardholder agreement here. 
I believe the only 'violation ' was one that went against XXXX XXXX XXXX ego and he retaliated out of anger for this 'violation '. 
I read over the cardholder agreement and nowhere does it say that hanging up on somebody who works for the bank is a 'violation '. 
Why would I go through two pandemic payment assistance programs offered this year and have been paying diligently on this account since XXXX to just do away with the entire account? 
It's not consistent with my history with Wells Fargo at all and it doesn't make any sense. 
I did not willfully close this account. It was closed for me out of retaliation by XXXX XXXX 
Supporting proof has been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account name : XXXX XXXXt, Account # XXXX, Account name : XXXX, XXXX, Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX XXXX, Account # 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: Credit reporting, credit repair services, or other personal consumer reports

Recently there were several hard credit inquiry on my report that were not authorized - I only agreed to a soft inquiry. The financing company said I have to dispute it with Experian and Experian said I have to call the company because they can not dispute it. 

Because both the financing company and Experian are unwilling to correct this mistake, I do not have any recourse to get unauthorized hard inquiries corrected on the report. 

The financing company who refuses to reverse the hard inquiry is below : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX ( XXXX ) XXXX Please let me know what I can do about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, were never past due, i never made a late payment to this company ever. I wrote dispute letters to the credit bureaus but they could not even help me, they wont even tell me why they wont reverse the late payments
Product: Checking or savings account

Hi my name is XXXX XXXX, they blocked my account an it has been 30-60 days and i was told i was supposed to have a check sent. XX/XX/XXXX of this yr, i recieved the funds from my grandmas retiremnent plan she had named me benificary. The same day i went to withdraw some money and they closed it, then i called it an said after 30 days they said they'll issue me a check an its been 60+ days. On XX/XX/XXXX a oncalll worker told me there was nothing they can do an that they dont owe me anything. my grandmothers name is XXXX XXXX an she had a retirement plan with citi an they can vouch for me!. 
XXXX XXXX account XXXX XXXXXXXX and my excutive response XXXX case numer is XXXX XXXXXXXX
Product: Debt collection

Threatened to serve papers at my residence or at work. They would not answer any of my questions that I asked. Name of company was Alternitive Dispute resolutions XXXX Texas phone number XXXX XXXX XXXX. I had never heard of the payday loan company and after contacting a lawyer he informed me it is a scam and I needed to report them to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

TheFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681et seq, isU.S. Federal Governmentlegislation enacted to promote the accuracy, fairness, andprivacyofconsumer informationcontained in the files ofconsumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in theircredit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, includingconsumer creditinformation. [ 1 ] Together with theFair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. 

All three credit Bureau are not reporting credit file correctly I have challenged and disputed information and they fail to correct anything on my credit Bureau 1. XXXX 2. Transunion 3. XXXX All three credit Bureaus refuse to obey by federal law they are in direct violation of federal law, statue of limitations they refuse obey by the fair credit act it's a federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to XXXX to remove a Inquiry I did not authorize ... 
On XX/XX/XXXX. 2019 XXXX did give a response that the inquiry was factual without providing any documentation to display I authorize this unknown inquiry from SunTrust Bank. 

I then contacted Suntrust Bank as suggested from XXXX  to contact the furnisher directly and spoke to a representative that could not provide details to how the inquiry was initiated, nor did the representative have any factually sound documentation with my signature to show I personally requested services of any kind.