23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

According to the FDCPA, under law 806. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. Harassment or Abuse, the company Spire Recovery Solutions contacted me two times on the same day XXXX XXXX without my permissions and even after asking them to tell me who they were and they did not want to tell me. 

Under law 807. False or Misleading Representation, ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. The company Spire Recovery Solutions stated that they are working on behalf of an attorney, but they are not. They are just debt collector.
Product: Checking or savings account

I had a XXXX with Popular Direct online bank worth {$XXXX}. It was set to mature on XXXX, with the stipulation that I had a XXXX calendar day after maturity grace period to contact the bank and let them know I did not want to renew it or it would automatically renew. I contacted the bank within XXXX  days and informed them that I did not want the XXXX  to renew. They acknowledge that! However, since I did not provide them transfer information fast enough ( no time limit was given ), they renewed the XXXX  2 days later. When I contacted them and told them that I told them that I did not want the XXXX  renewed, they told me that since I didnt send transfer info, they took it upon themselves to renew the XXXX. This is wrong. I told them ( and they confirmed ) that I did not want the XXXX  renewed. I contacted them within the required XXXX  days -- they confirmed. They never told me that if I didnt submit transfer account info by the XXXX  days they would renew my XXXX. When I asked them to give me my money back, they told me they would deduct a {$XXXX} penalty for canceling the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for credit reporting with transunion and when I tried to cancel it yesterday on the phone it didnt allow me to, now it charged me XXXX dollars for something I didnt want. 
Ive tried to stop the credit reporting but it doesnt stop.
Product: Credit reporting or other personal consumer reports

I recently applied for credit through XXXX XXXX. I was denied an extension of credit. See attached. The credit score reflected from the creditor inquiry is XXXX. I have encloses credit scores from XXXX  XXXX and XXXX which are significantly different. The creditor can not detail which specific score model it pulled from. This incorrect based on what is being reported. See Attached. This error is presenting my ability to obtain correct.
Product: Vehicle loan or lease

XXXX XXXX XXXX loan through Capital One was totaled and written off in XXXX. I had GAP insurance on the vehicle through XXXX XXXX to pay off the remainder of the loan. 

Capital One still has an open balance for me for {$380.00} when the total remaining balance should have been paid in full by XXXX.
Product: Debt collection

This has been going on for three ( 3 ) years, and I have filed more than a dozen complaints against various companies for fraudulent attempts to collect a phantom debt related to a payday loan that never took place. 

Concord Resolution is the latest company that is calling me, and their robocalls are replete with violations. 
1. The caller is not identified in 4 of 6 messages. 
2. None of the calls inform me of an attempt to collect a debt. 
3. All messages indicate I have done something that is subject to legal action. At least one recording suggests I have my attorney return the call. 
4. All are robocalls to my cell phone, and my number has been registered on the National Do Not Call List since XXXX XXXX. 

This non-existent debt was a product of the XXXX XXXX Scam in XXXX XXXX, and these calls have continued since then. The money these scammers are trying to collect was never borrowed by me, and it was never owed by me. 

I am attaching six ( 6 ) voicemails I received within 2 weeks. All six recordings include my first and last name to identify me, yet 4 of 6 calls do not identify the company leaving the message.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries viewed by others currently showing and listed on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized and not my inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/2023, XXXX XXXX a part of XXXX on behalf of : XXXX XXXX XX/XX/2023, XXXX XXXX a part of XXXX on behalf of : XXXX XX/XX/2023 and XXXX XXXX XXXX part of XXXX on behalf XXXX XXXX XXXX XXXX a part of XXXX on behalf of : XXXX XXXX a part of XXXX on behalf of : XXXX, XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 5th time I've tried to fix the status of my Car Loan Account. Even though, credit reporting agencies asked XXXX XXXX XXXX XXXX to validate information and XXXX XXXX XXXX XXXX stated it was correct, when delinquencies weren't. 
I finally received a letter from them saying my account will be updated within 15 days from all credit reporting agencies. Please, I lost 75 points the first time the late payment occurred. I would like to get my 75 points back since my account finally had been brought back to current due to a misunderstanding. 

Attached letter from XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with all credit bureaus via mail and CFPB XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below and verify the accuracy or delete the accounts. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Accounts : XXXX XXXX, XXXX XXXX This issue is well beyond the 30 day mark and if these accounts don't get deleted immediately I will be taking legal action, this is considered a federal crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided the documents that were requested from me. The credit bureau informed me that it would take 48 to 72 hours and the file is not updated.
Product: Checking or savings account

I called into the XXXX Bank on XX/XX/year> at approximately XXXX ET. I showed a {$6000.00} " funds transfer debit to _XXXX '' on my checking account that was scheduled to go out on XX/XX/year> and called to report that this transaction was not initiated by me or any signer on my account. I was transferred XXXX times. Each time I was transferred, I was told that the individual could not see the transaction that I was speaking of and they would need to send me to another department. After obtaining the fifth agent, they explained to me that the bank had implemented a code change and that it was causing errant transactions that were not correct to show up on customers accounts. I asked to be provided with some proof or notice that this was the case in writing as I know that the bank would hold me liable if our conversation was not documented or I had some way of proving this was not a transaction I had initiated. I was told that this was not possible. I then asked to speak with a supervisor and was also told that there were none available that I could speak with. After insisting, the agent became adamant that I would not be able to speak with anyone else. I gave up in frustration.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX as a US Department of HHS covered entity improperly shared information with a third party about my medical/dental debt and services to ( XXXX XXXX XXXX XXXX XXXX XXXX regarding XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX XXXX  XXXX notice to customers is attached. 

FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The account can not and has not been validated nor the original contract provided legally without violating XXXX. My previous disputes with the XXXX ( XXXX, Equifax, and XXXX ) have been ignored to date. 

Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts supporting reporting the continued unlawful reporting of private consumer information. 

The account has not been validated after request and no XXXX release has been provided to me for any of the medical debt and reporting of dental services. The XXXX privacy rule requires a " business associate '' ( collection agency or billing firm ) to reasonably limit the amount of information disclosed for such purposes to the minimum necessary as well as to abide by reasonable requests for confidential communications. XXXX XXXX the Privacy Rule requires an Associate to enter into a partner contract containing specific requirements with an Associate prior to the disclosure of XXXX, as set forth in, but not limited to, Title 45, 164.502 ( e ) and 164.504 ( e ) of the Code of Federal Regulations ( XXXX ). 

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of title 15, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, XXXX said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

In accordance with the Fair Credit Reporting Act of 1970, the following companies have violated my rights by reporting inaccurate, or outdated information XXXX and XXXX Account XXXX XXXX. And XXXX are both the same thing, and they are debts obtained without my permission or knowledge. I moved out of XXXX with a {$0.00} balance and was owed my deposit, never received it. Was never contacted regarding balance owed, and {$6600.00} in fees accrued is ridiculous when I didnt even live there. 

XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX Paid in full, can not reach a representative to find full account number. 

XXXX XXXX XXXXXXXX Phone number : XXXX Paid in full and closed in XX/XX/XXXX XXXX XXXX  Account number XXXX XXXX XXXX {$930.00} - should not owe this debt from the insurance company. 


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 an account without my written instructions. 

Thank you for your time and hard work.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2022 I requested all 3 consumer credit reports. XXXX verified my identify immediately, TransUnion indicated they could not identify me, and XXXX simply rejected my request with the same response " We could not identify you. '' TransUnion sent me a post card on XX/XX/2022 indicating that someone had tried to get my credit report. They asked for two forms of identification. I sent them my VA Real-ID Drivers ' License and my social security card. 

No response. I really need to get these credit reports.
Product: Debt collection

It is a Paypal acct. and I can not get any information as they do not show a debt for me. The collection agency and XXXX are not able to do anything for me it seems. I am trying to get a credit report from XXXX to show that I did not have this debt and my husband was alive and our credit was impeccable. Unbelievable this can happen!!
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check from my home owners insurance and was told by the bank teller that it would be a 7 day hold. After the 2nd hold day, I received an email and letter stating that the check needed another endorsement from my mortgage company. I went to the bank spoke with the teller, she refused to give me the check so I called the insurance company to cancel the check. The insurance company stated that they could not cancel because the check had already been cashed. The bank then said they would place a 14 day hold, then a 30 day hold. On XX/XX/XXXX, the teller from the bank informed me that the funds were returned to the insurance company. After calling the insurance company to check on the funds several times, we recognized that the funds were never returned. On XX/XX/XXXX, the insurance company submitted an affidavit to recover the funds from the bank. On XX/XX/XXXX, the bank placed the funds in my account and I began to use the funds for my home repairs. Then, on XX/XX/XXXX they removed the funds. I called to ask why, and they don't give me an answer. One customer service rep stated that the funds could not be verified.
Product: Mortgage

I reached out to my Mortgage Servicer Planet Home Lending asking for information as I may shortly have a difficult time making my mortgage payments due to the death of my son 's father who was the homeowner making the payments for the past 22 years. I inherited the property and the mortgage in XXXX 2016. I asked Planet Home to send me out a package with options I might have. XXXX of them was a Deed in Lieu. When I called them to discuss this I spoke to a XXXX who told me " we really do not do them. In fact I do not think I have ever seen us do XXXX of them ''. So is Planet Home Lending providing the Consumer with false information regarding options to Foreclosure? I sounds that way to me. I they do not do a DIL, then why does their paperwork sent to the customers state that they do. Thank you.
Product: Debt or credit management

They stole the money from my US bank debit card on XX/XX/2024 I made the claim, I received some documents from them on XX/XX/2024 and I sent them via fax and they received them on XX/XX/2024 but That same day I received a letter informing me that they denied the claim. I called to ask and they told me that by mistake they sent that letter but that it is still under investigation, in XXXX I called and they said that it was still under investigation but today I called and they told me that the case was closed in XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a living soul otherwise called a XXXX by XXXX. The constitution declares and protects my rights to privacy. That's in the XXXX Amendment : My rights to be left alone and my rights to privacy. I did not give you permission or written consent to furnish the below information. I have been reaching out to XXXX, Experian, XXXX when I noticed the defamation of character accounts listed below. I have notified these companies about the unlawful and unfair practices and violations being done to me. Theses accounts are affecting my creditworthiness and my ability to be expanded credit. please remove theses account and discontinue furnishing theses accounts immediately. 
Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity thief, I old roommate made purchases on my card while I was undergoing XXXX. He made unauthorized charges in which XXXX did not notify me instead start reporting negative items to the credit report. XXXX also sold my account and gave up all rights on this account. The company that took over this account and XXXX both agreed to have this account completely remove from all three credit bureaus and currently the account is still reporting on all three bureaus. Im a protected veteran and if this account is not completely removed from all three bureaus I will file sue against XXXX for allowing fraudulent unauthorized charges to be made and negative impacting of my credit file. The agreement was this account would be removed from all three credit bureaus. XXXX, Experian and XXXX have all agreed to remove it as long as they got request from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a huge security breach that has now put all of my personal information at risk. They were aware this breach happened in XX/XX/XXXX and I was not notified personally that my information was at risk. Instead I had to find out in reports in XX/XX/XXXX that there was a breach, and take actions to protect myself. In order to due so I had to PAY money to have my credit frozen. To the same company that lost my information due to security negligence.
Product: Checking or savings account

I'm writing to complain about the several overdraft fees I've paid to Navy Federal Credit Union. I had enough money when the transactions were approved, but because the charges and credits posted slowly, I was assessed fees. This problem is consistent with the recent CFPB findings against Navy Federal for comparable practices, in which transactions that were initially accessible funds settled with insufficient amounts. I ask that my account transactions be looked at because I think these practices are unfair. Due to my inability to pay the late fines that have accrued, I have even lost my bank account. I've been a client for more than 7 years, and I'm interested in reaching a resolution, but the fees make it really challenging.
Product: Debt collection

In XX/XX/XXXX I contacted and enrolled in a non-profit credit counseling company ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ) They put together a repayment plan with all my credit cards ... all agreed except Comenity Bank XXXX XXXX XXXX  XXXX XXXX OH XXXX XXXX proposed and has been paying {$390.00} every month since XX/XX/XXXX but Comenity me to the credit bureaU AS PAST DUE AND DELINQUENT which adversely affected my credit score. 

In early XX/XX/XXXX I wrote to Comenity Bank and requested a reduction in my monthly payment They failed to respond and instead, have been calling me daily
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, several accounts have been fraudulently opened in my name. I am requesting that the following accounts and inquiries be blocked and permanently deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts XXXX. XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$1400.00} XXXX. XXXX XXXXXXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$12000.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$5800.00} XXXX. XXXX XXXX XXXX  - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$5700.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$0.00} Unauthorized Inquiries XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX : {$110.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX Is attempting to collect a debt that was deemed a fraudulent account by the FTC, CFPB, Navy Federal Credit Union, AND all three major credit bureaus. When I previously disputed this item -- XXXX XXXX XXXX XXXX response was providing a statement from NFCU showing I made a payment on the account. I am unsure how this " proves '' the account was not fraud and/or the result of identity theft -- it certainly does not meet the legal definition in by the provisions of 15 USC Section 1681i of the Fair Credit Reporting Act. Making a payment on the account does not prove it was not fraud. I made a payment in an attempt to avoid it hurting my credit while I disputed the information. Navy Federal Credit Union required that I get a police report, and also an FTC affidavit in order to dispute the charges. Which I did- but the took time. I have attached copies here -- again. My NFCU CREDIT CARDS WERE STOLEN FROM MY HOME. Along with my ID, my social security card, etc. This resulted in identity theft. The cards were not OPENED fraudulently. They were stolen and USED fraudulently to open other accounts. I attached the police report that says as much. 

My next step is to file a complain with the Florida Attorney General 's office and also to file suit against XXXX XXXX as I have med the burden of proof that these items are a result of fraud AND they they have already been removed from my credit previously. Which means that XXXX IS still attempting to collect a debt.