23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX has provided more than XXXX phones free over 12 years as a customer. I negotiated XXXX phones at XXXX for free and as a gesture agreed to add a XXXX line which was not needed. XXXX XXXX XXXX pushed a Free Tablet which I agreed to as well. When XXXX XXXX came with Tablet [ both free ] XXXX XXXX XXXX made error and sent XXXX of each. Being honest I sent both back and said never mind I do n't need tablet or XXXX line because they were reneging on free phones. Then they said we 'll give the free phones and issued credits to get me to stay. Long story short, CS Reps verified I was promised XXXX free phones but when {$40.00} of charges for the XXXX line and tablet went on my bill and XXXX XXXX XXXX would not credit me, I said I would take them to Small Claims Court and get triple damages. It was illegal since I never accepted the products. After that someone from executive offices said I was never going to be credited for the charges ... I had already been given enough credits. But they were all deserved for other reasons! It was CRAZY! Anyway, the only way to teach them a lesson was to discontinue the XXXX XXXX XXXX service and so they placed XXXX of the phones costs on my bill and I was forced to pay it or I would not have been able to leave with my special phone numbers. So I did pay and then disputed the charge with my bank, because of how they took my credit card. The XXXX banks agreed that I had been defrauded and charged XXXX XXXX XXXX back. Now they are using an un-reputable firm calling with harassing calls to collect for a phone that is not owed monies for. I have contemporaneous and copious notes backing up what I claim and multiple XXXX people on chat logs telling me I was getting XXXX free phones. I hope you will be able to stop this madness in light of XXXX XXXX XXXX trying to get bigger by acquiring XXXX XXXX which should never be allowed. They want {$760.00} from me to help defray the cost of the {$85.00} XXXX! Thank you ...
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act ... the account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681, XXXX XXXX XXXX  XXXX section 602 A, right to privacy 15 USC 1681 604 A section 2, a consumer reporting agency can not furnish an account without my written instructions
Product: Student loan

Hello, my name is XXXX I have since graduated from college in XXXX and I have accumulated XXXX federal and private loans mostly in private in loans. I graduated with a degree in XXXX and never got a job in my field, which was highly upsetting to me, but that 's not the issue. The issue is that Navient sold my debt to XXXX XXXX which is a debt collection company, I highly do n't trust, their website is just a simple enter your credit card and continue and they are even more impossible on the phone. According to my navient records I have XXXX loans with payments over XXXX in late fees which are ridiculous, which are XXXX of the entire loan itself. I have recently started making payments on these loans, but I know there is going to be an issue down the line with my credit on buying a car or a home and I ca n't have this over my conscience. I live at home at XXXX years of age only making XXXX after taxes working XXXX hours a week. How am I supposed to save any money when I have XXXX debt over my head. It 's frustrating and sad, and I just want it resolved. When I called Navient, to try and get everything taken care of again, they said that the debt collectors handle everything and took no responsibility for any help. It 's a private loan and no debt consolidation companies can handle that, which makes it even worse. I do n't know what to do anymore. Navient also showed that my loans for federal were paid off, and that was a lie as well, instead I called the federal student loan people and I have XXXX loans in default, and they garnished my tax return last year and I do n't want that to happen this year. I just want to be debt free, or at least a strongly reduced debt that I was manage and pay off like a credit card debt. I do n't want say I 'm a XXXX ( born in XXXX ) and that I expect everything handed to me, I do not. I work so much that I do n't have any time for myself and just want justice for me and everyone who has been screwed and harassed by XXXX XXXX, Navient, XXXX. I really hope the CFPB follows through, that we get justice, and that XXXX/whoever runs a cleaner company and makes money the right way, by working and helping a customer, rather than robbing them and destroying their credit. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments on my credit report is a privacy violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against timeshare XXXX XXXX XXXX  ( XXXX XXXX XXXX ). The people I dealt with told me that I'm making a good financial investment. They said I can earn from this if I decide to sell it as the resale value would go up. I was also told that it had some tax benefits similar to owning a second home. I felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's my last chance at the lowest price. I never received a copy of the application nor was I properly informed about the fees ; they never made me aware of it. I was also under the influence of alcohol during this time and I was XXXX, so I felt these factors were used and I was harassed and was taken advantage of, they didn't even allow me to read the contract. I didn't know how to cancel, they never properly educated me like how many days to cancel and such. I had the worst experience with this timeshare, I was highly pressured with their sales tactics. I'm old and I already have a few medical conditions such as XXXX, they simply took advantage of my current state to get me into this. I was simply defrauded and lied to. Having this timeshare just gave me hardships rather than helping me to relieve stress for people my age, especially when I'm already dealing with several medical conditions, but getting involved with this timeshare just doesn't help, it actually makes it worse for people like me. Problems caused by this even make me lose sleep and its just extremely stressful for me.
Product: Student loan

I currently owe XXXX to navient for XXXX XXXX XXXX. They closed my campus in XXXX Az even after I graduated and I can not transfer any credits I earned from my diploma and now its just a XXXX waste of my education.
Product: Credit reporting or other personal consumer reports

Self lender is reporting to all my 3 credit bureaus that I had a personal loan with them, or something called a self credit builder. I have told them repeatedly that I never did this or started this and they refuse to help or remove that information from my credit bureaus
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 federally 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 and XXXX  XXXX have 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 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 reasonablecause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has been reporting an credit account on my credit since XX/XX/XXXX. They charged off the card as of XX/XX/XXXX. But they have a mix up with me and my grandfather, and the only reason i know this, is because XXXX  verified the address and its my grandfather 's address. They claim to have my social through according to XXXX  but with different information, such address and dob. I reached out to bank of america on XX/XX/XXXX which i sent via Priority mail express so i can verify who received it. They have decided not to respond to my verification letter and continue to report to the credit bureau. 
The Same thing happened with XXXX XXXX XXXX XXXX
Product: Credit reporting

I stated that numerous inquires and accounts that were on the report were not mine and I had no knowledge of these accounts and inquires, I was told that there was nothing that could be done and I would have to wait two years for the inquires to be taken off, or to call one by one and have them removed, I stated that i cant have an account removed when i did n't have one to begin with was told that there was still nothing to be done.
Product: Money transfer, virtual currency, or money service

I am filling 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

Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,
Product: Debt collection

This company operates under two names Columbia debt recovery and Genesis collections. They have put a negative mark on my credit without notifying me of debt. When I called, I first spoke with someone named XXXX who was rude, kept talking over me and said that my complaint was " not a big deal '' and that they have something called " a hardship '' that might be able to lower my amount due. He then stated that theres no rush on it as his sarcastic implication was as if I couldnt pay it anyways. 

Problem is-THIS IS A BIG DEAL to me and I asked for an itemization of what they are trying to collect on. I even asked for proof that they are who have been put in charge by XXXX to collect. This person was sarcastically speaking so I asked for a manager. I spoke with XXXX XXXX who did speak professionally and heard me out without speaking over me. Still, this company refuses to remove this collection from my account while correcting the amount due errors or giving me a chance to pay any correct amount and instead, XXXX stated " we will update it '' with the correct amount due. However, this shouldnt be there at all because they never gave me a chance to pay the correct amount before putting this on my file. XXXX also stated that he has had the account since XX/XX/XXXX and that they mailed me a letter of the debt. I told him that you did not because I would have received it and it would have also been pictured in my informed delivery from the USPS which nothing from their company has been. I also asked for any proof of mailing me such notification and he said they arent required to have that. Still, XXXX refused to remove this from my account. This is a collection, full of fraud/eroneous billing that has been placed on my credit file ( s ) under two different names.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam , Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX  Account Number : XXXX Amount : {$320.00} Date of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with equifax, this started early spring of XX/XX/XXXX. They report things on my credit that are seriously wrong, and they refuse to fix or show me proof under the federal guidelines of how they are saying this is correct on my report. 
For example they show a XXXX XXXX that was made in XX/XX/XXXX, it was not with this company it was with XXXX which is out of Buisness for at least 7 years. They tell me I have to call the companys reporting this, also wrong addresses that I have never lived in those citys, and my full name is wrong as well.
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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: Mortgage

I contacted Shellpoint Mortgage Servicing regarding an FHA modification and was told that the only way for the loan on my house to be modified is to assume the loan since I was only on the deed and my ex-husband is now only on the mortgage. They already had the XXXX claim deed but still would not allow me to assume it without his signature allowing me to assume it. He has been non-compliant and they have been aware of this from the beginning of this process, which started in XX/XX/XXXX. 
Even though I was approved by FHA for the modification, pending on-time trial payments, they ( Shellpoint Mortgage Servicing ) would not accept the modification without the assumption paperwork. 
They sent incorrect assumption paperwork stating that my ex was deceased and never sent correcXXXX paperwork. They finally sent the correct assumption paperwork late XX/XX/XXXX but never gave me a deadline for when they needed it back. They knew that I XXXX need to file a contempt of court from my divorce case in order for him to sign it. My representative informed me that she would let me know when the absolute last day was to have it back to them but she never replied. All of a sudden I received a notice that the offer to modify the loan was rescinded and a foreclosure sale has been scheduled. The mortgage servicer is not responding to my written requests for further information or explanations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I was in the search of a vehicle at XXXX XXXX XXXX. They asked for my social security number & at this time XXXX didnt have a credit line opened so I wasnt worried. I also disclosed this to them and they assured me they only needed my social for identity verification purposes. I was never told they would be running a credit check. I never authorized them to use my information for anything else, not to mention sending it to FOUR different companies! I have called all four companies individually to remove the inquiries off my report but they have denied to do so
Product: Debt collection

I have reasonable cause to believe I have been extorted! I have been abused and deceived by " Attorneys '' at XXXX XXXX XXXX, XXXX. in XXXX XXXX, Texas, including but not limited to, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, & XXXX XXXX, are violating my rights and federal law under the FDCPA, XXXX, & XXXX, all while never showing proof of authority to be legally " representing '' DISCOVER BANK. They filed a lawsuit against me in the County Civil Court at Law No. 1 in XXXX XXXX, XXXX, Texas, for a " breach of contract '' without providing a legally binding contract. They obtained my nonpublic personal information without lawful authority and have used it to bring harm to me and my financial reputation. I have never entered a contract with these people. I DID NOT AND DO NOT CONSENT to them possessing, using, or transferring my nonpublic personal information. They, along with DISCOVER BANK, DISCOVER FINANCIAL SERVICES, etc. violated a cease-and-desist notice delivered on XX/XX/XXXX, via certified mailing number XXXX received with signature, by continuing to proceed in obtaining a default judgement against my strawman, without lawfully validating the alleged debt. 

Violations committed by XXXX XXXX XXXX, XXXX. are as follows but not limited to : 15 USC 1 15 USC 1692d 15 USC 1692e ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692e ( 4 ) 15 USC 1692e ( 5 ) 15 USC 1692 ( 7 ) 15 USC 1692 ( 9 ) 15 USC 1692e ( 13 ) 15 USC 1692f ( 6 ) 15 USC 1692i ( b ) 15 USC 1692j 18 USC 1028A 18 USC 241 42 USC 1983 Let the record show, I, private consumer in fact, REJECT, XXXX XXXX XXXX, XXXX. 's offer to contract. 

Let the record show I DID NOT AND DO NOT CONSENT to XXXX XXXX XXXX, XXXX. or any and all individuals acting under, affiliated with, or doing business with, to possess, use, or transfer ANY of my nonpublic personal information including my name, location information, telephone number, or any details regarding my experiences with financial institutions, for ANY purpose or reason, especially for unjust enrichment.
Product: Credit reporting or other personal consumer reports

I am writing to request that all the accounts and credit inquiries listed below be blocked and permanently deleted from my credit report. I am a victim of identity theft following a data breach and believe these accounts and inquiries were fraudulently made without my authorization. My request is made pursuant to the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ), and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$1800.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$590.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$3600.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$590.00} XXXX. XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$590.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$3700.00} XXXX. XXXX  XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$630.00} Fraudulent Inquiries : XXXX  XXXX  Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am reaching out to formally raise concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit, which has brought to light significant issues with the platform. Despite being a frequent Zelle user and reporting transaction discrepancies, I found that neither my financial institution nor Zelle conducted a thorough investigation into my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was impractical. The CFPB 's findings reveal that Zelle has failed to adequately protect consumers and has enabled repeat offenders to exploit vulnerabilities in the system. This lack of accountability and transparency is deeply troubling and raises serious questions about the platforms commitment to consumer protection.
Product: Credit reporting or other personal consumer reports

Mailed letters on XX/XX/2023, XX/XX/2023 and XX/XX/2023 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. 

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately. 
Sincerely