23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent a CERTIFIED letter of dispute to Automobile Acceptance Corp. on XXXX/XXXX/2015 and demanded a validation of debt. I was asking for the proof regarding the debt that I owe and verifying it. I have a signed Receipt from Automobile Acceptance stating that they received the letter on XXXX/XXXX/2015. On XXXX XXXX, 2015 I sent another CERTIFIED letter stating I do not believe I owe what they say I owe and in accordance with the FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g SECTION809 ( B ) Validating Debts, that this matter is closed since they failed to respond, I assume that they were unable to validate the debt. I contacted ( XXXX ) XXXX ext XXXX or XXXX ) the collections department on XXXX/XXXX/2015 and spoke with XXXX ( front desk ) @ XXXX ; XXXX whom transferred me to XXXX and I got the voice mail, I called right back spoke with a XXXX ( front desk ) on XXXX/XXXX/2015 @ XXXX who transfer me to XXXX XXXX in collections on XXXX/XXXX/2015 @ XXXX. I explained that I needed to speak with someone in compliance regarding a debt validation that needed to be deleted from my credit report. she advise me that she did not have that authority to do so and asked me to fax over my documentations so that she could forward them to her manager whom was in a meeting a the time. I tried to fax the XXXX and the fax failed so I hand delivered them into the office located at XXXX XXXX XXXX XXXX Ga XXXX at the payment center and they were signed and received by XXXX XXXX on XXXX/XXXX/15 @ XXXX. I received a phone call from XXXX XXXX XXXX XXXX Collections manager on XXXX/XXXX/2015 XXXX that lasted 14mins and 40 secs. I advised him that the Account with his collection was not validated with in the 30 day period and I wanted this matter resolved by having it deleted ASAP. He replied by telling me that he had just sent out a letter to me yesterday in reference to my letter dated XXXX XXXX, 2015. I also advised him of the FAIR DEBT COLLECTION PRACTICE ACT, 15 USC 1692g SECTION809 ( B ). AND TOLD HIM THAT IF HE DIDNT COMPLY THAT I WAS GOING TO REPORT VIOLATIONS OF THE LAW TO MY STATE ATTORNEY GENERAL, THE FEDERAL TRADE COMMISSION AND THE XXXX. His reply was go ahead. He later said he would get back with me on Monday XXXX/XXXX/2015 after he spoke with someone to see if I was right.
Product: Debt collection

XXXX OPPORTUNITY FUND HAS PLACED A XXXX LOAN ON MY PERSONAL CONSUMER REPORTS WITH THE CREDIT BUREAUS.THE COMPANY THAT RECEIVED THE LOAN HAS SINCE CLOSED AND GONE OUT OF BUSINESS DUE TO LACK OF BUSINESS FROM COVID 19 AND DISTRESSED ECONOMY. I DISPUTED THIS WITH THE CREDIT BUREAUS TO NO AVAIL THEY TO REPORT AND THE COMPANY XXXX CONTINUES TO REPORT FLASE DATA TO THE CREDIT BUREAUS. THEY COMPANY THE LOAN WAS OFFERED TO WAS AN XXXX REGISTERED WITH THE STATE OF GEORGIA.
Product: Credit reporting or other personal consumer reports

Complaint to the CFPB Regarding Inaccurate Credit Reporting by Credit Reporting Agencies Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) Subject : XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX in Violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ) Complaint Details : I am filing this complaint regarding the Credit Reporting Agencies ( CRAs ) failure to uphold the Fair Credit Reporting Act ( FCRA ) obligations and failure to ensure the accuracy of my credit reports. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) review and address these inaccuracies with the CRAs. 

On XX/XX/year> I sent a formal dispute to the CRAs, disputing the inaccurate information being reported on my credit report for the following accounts : 1. Account Name : XXXX 2. Account Name : XXXX XXXX required under 15 U.S.C. 1681e ( b ), all information provided on my credit report must be entirely accurate and verifiable. Additionally, under 15 U.S.C. 1681i ( 5 ), the CRAs are mandated to reinvestigate disputed information and correct or delete any inaccuracies found within a reasonable timeframe. However, despite my formal dispute, the CRAs are still inaccurately reporting these accounts, which continues to damage my creditworthiness. 

Specific Issues with the Reported Accounts : XXXX Account : This debt has never been validated by XXXX, and despite my dispute, the CRAs continue to report inaccurate information. My dispute indicated that, by law, if XXXX fails to validate the debt, the account must be corrected to reflect a paid in full status or removed from my report entirely. 
XXXX Account : Similar inaccuracies persist on this account, despite my dispute and notification to the CRAs. The CRAs have failed to ensure the information is updated accurately or removed. 

By continuing to report inaccurate information despite my dispute, the CRAs are not only violating 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ), but they are also failing in their duty to reinvestigate and resolve disputes fairly and promptly.
Product: Credit card or prepaid card

The late fees have increased finnomally, and it unable to make payments.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX  XXXX Bankruptcy Discharged - XXXX These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and from third parties. I do not recall giving permission to use my information to a third party for the following accounts : XXXX/XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX   XXXX X  4, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX   XXXX  Please provide breakdown of fees including any collection costs and charges 2. Provide a copy of my signature with the provider of service to release my information to you. 3. Cease any credit bureau reporting until debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation  request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can be perceived as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed my inquiries with XXXX, Transunion, and XXXX several times over the last year with no results. I have never authorized nor consented to inquiries from XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX to furnish any information/inquiries on my consumer report.
Product: Mortgage

Last Friday XX/XX/XXXX We issued a bank wire to Lakeview Loan LLC. We looked online payment History XX/XX/XXXX and saw nothing has changed for a month. So we called XXXX XXXX XXXX to get affirmation that the funds had been wired they said yes. So we called Lakeview Loan, and the representative stated that typically it takes 2 weeks to receive and process. 
So we asked XXXX if he could see on his screen as to whether or not they received it. He said it's not showing up on his screen. Now we're thinking that perhaps we got the wrong address, or Number. 
So XXXX gave us wiring instructions : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. Acct # XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage initiated with XXXX XXXX XXXX than transferred to XXXX XXXX XXXX. My last payment on the mortgage account was with XXXX XXXX XXXXXXXX in XX/XX/XXXX, no further payments was made on the mortgage account. No payments from XXXX XXXX-present date. Seven years for the delinquent status on the mortgage account would have matured in XX/XX/XXXX. XXXX XXXX XXXX or Experian are been fraudulent reporting information and or investigations because the information has been removed from both XXXX  and XXXX XXXX. In addition Experian also conducted another investigation on my credit report which was resolved by XXXX  and XXXX XXXX by removing from my credit report because the creditors ( XXXX XXXX XXXX ) said that it was an error reported on there behalf and Experian refused to remove.
Product: Money transfer, virtual currency, or money service

I was trying to make appointments to the XXXXXXXX XXXX in XXXX XXXX by someone who said that they sell appointments to the XXXX XXXX XXXX, however, the required me to send the money first which I did, and theyre not only that did the days back to reply to me, but never were able to get me the appointments or sending back my money The persons Name is XXXX XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

XX/XX/XXXX I had a civil claim judgement against me in favor of Webster Bank. The amount that I owed was {$4600.00} I have paid this balance in full with a final payment of {$1000.00} on XX/XX/XXXX. I have tried to get in touch by phone several times with the fraud investigator who handled this case and who also works for Webster Bank. Her name is XXXX XXXX. She never answers the phone and I have called her number XXXX and left numerous voicemails and she does n't return my calls. I am only calling her to see if my final payment of {$1000.00} was received and she never answers her phone or returns my calls. I am showing on my XXXX credit report that this public record against me is still listed on my credit file which it should n't be since I made the payment in full. I want this removed from my XXXX credit file as soon as possible. I have every receipt to prove that I made the total payments of {$4600.00} that I owed and can furnish all of the receipts if needed.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. IT AFFECTS MY CREDIT REPORT. 
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 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 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 I am requesting the following addresses to be removed from my credit file immediately 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up request in line with my previous complaint last XX/XX/2023, the items I am disputing must be removed or blocked in my file to prevent further more damage to my credit report. Here are the items mentioned : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$64000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$17000.00} The addresses listed above are not my current address, These accounts are inaccurate and fraudulent. Im seeking Litigation. 
Please delete them at once.
Product: Student loan

I am an XXXX in Ohio for the past eleven years. I applied for the XXXX Loan Forgiveness program to my loan company, Great Lakes Higher Education Corp. for the first time in XX/XX/XXXX, and have been denied five times, the last time because they said that I have not " obtained full state XXXX as a XXXX or passed the XXXX. '' That is incorrect. XXXX ( XXXX ) are the designated XXXX are XXXX, and XXXX design the XXXX. Ohio gives XXXX a different XXXX than other XXXX. But many XXXXs have received XXXX Loan Forgiveness as XXXX, so perhaps their state 's give a better-sounding name to the XXXX or perhaps the same XXXX as a typical XXXX. But whatever a state 's standard may be, it is completely arbitrary and should in no way restrict an eligible and worthy XXXX to these much earned and needed benefits. For the loan companies to have the authority to deny a loan forgiveness eligibility for a loan that they own in the first place is questionable and should be illegal. My desired resolution would be for Great Lakes to send my application on to the federal Department of Education for approval for the XXXX Loan Forgiveness in the amount of {$17000.00}.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

My daughter was a patient at a hospital, however she had insurance at this time, covered under XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX, I noticed it has been very difficult for me to pay down my balance on my Milestone credit card. Upon further investigation of my statement, I noticed a " credit protection fee, '' that I did not approve, has been charged to my account since at least XX/XX/XXXX ( the farthest statement I can see online ). In XX/XX/XXXX, I called and spoke to a representative to tell them I wanted this canceled and refunded for all prior charges as I did not approve this service. They said they were not sure they could do this but would escalate my complaint and let me know. This has been over two weeks ago and I have not heard anything. According to my recent statement, I am still being charged this fee. I would like to have this service stopped and be refunded for all " credit protection fee '' charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX FXXXX 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. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Mortgage

Attempted to refinance my existing conventional XXXX yr mortgage to reduce my monthly pymt. Was told the process would take approx XXXX days. It's now been XXXX  months despite having excellent credit, no late payments and prompt replies to their document requests. I was recently informed the loan was finally approved and they sent me a closing document. It had an incorrect payoff amount on my current mortgage ( off by several XXXX dollars ) and had increased my costs to close ( above the estimate provided months earlier ). In short, my monthly mortgage reduction -- according to their new figures -- was going to be less than {$57.00}. And the cost to acquire this XXXX reduction ( a figure far less than their 'sales ' promise ) was going to be in excess of $ XXXX. I don't know if they're XXXX XXXX XXXX but I've lost all confidence in this firm and will not do business with them.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my XXXX regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance XXXX {$1600.00} ; XXXX XXXXXXXX Balance : {$87.00} ; STATE OF MI OFFICE CHI XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting my credit card as late and it is not late and has never been late I'm on autopay. I would like for the late payments to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting to Transunion that I am the authorized user on 2 credit card accounts, erroneously. I have spoken to a bank manager at XXXX and they confirmed the social security number for the correct authorized user is different from mine. I have tried with both TU and XXXX to get them removed to no avail ... ... ...
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I canceled my expiring trial, I had to keep jumping though hopes of it trying to get me to keep the service. Yet on XX/XX/2024 I was charged XXXX. I then contacted support requesting a refund, they took 5 days to respond, and stated " When you created your membership and entered your credit card information, you agreed to the terms and conditions that our membership fees are nonrefundable. " and " I will not be able to provide an additional refund. Please refer to the Terms and Conditions of the membership agreement ( www.experian.com/terms ) '' This is an absolutely disgusting practice as they do not even let you delete your credit card info from there website. Not to mention the numerous times they have been hacked and they have sold and lost my information. The address they have is not even correct, this charge shouldn't of even went though,
Product: Money transfer, virtual currency, or money service

XXXX XXXX is a partner with Hunt & Henriques that does business with XXXX, and as such he is in debt to me due to fraud associated with XXXX. I would like to know : 1. How many bitcoin does XXXX hold? 2. How much money has XXXX Received from Hunt & Henriques and how much has Hunt & Henriques received from XXXX since 2019. 3. Does XXXX have a mortgage or any lines of credit with XXXX? 4. What is XXXX XXXX liquid net worth? 5. Does XXXX intent to repay creditors of XXXX who's property he is in possession of? 6. Does XXXX own any real estate or businesses? 7. What is XXXX XXXX home address? 8. Does XXXX live with anyone who also benefited from the fraud? I am asking these questions for the purpose of recovering my stolen funds. I will be filing a lawsuit against XXXX to claw back funds once the bankruptcy ( XXXX ) is dismissed as fraudulent and I am free to do so. I would not normally harass a debtor while there is an ongoing bankruptcy, but according to XXXX, this is within my first amendment rights as a creditor. I will not be forgiving XXXX XXXX debt and I will claw back every single cent. It is not my fault XXXX decided to work for a firm that paid him with rehypothecated debt that was fraudulently acquired. His property belongs to me, and I will be claiming it.