23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$2400.00}.
Product: Debt collection

Complaint Regarding Violation of Consumer Rights by Collection Agency [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally complain about the actions of [ INVESTMENT RETRIEVER ], which has been engaging in practices that violate my consumer rights as outlined in federal regulations and the Fair Debt Collection Practices Act ( FDCPA ). 

I wish to bring to your attention the following violations by [ INVESTMENT RETRIEVER ] : 1. Despite the requirements set forth in 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has failed to provide validation information for the debt they placed on my consumer report. This action has resulted in inaccurate and misleading information being reported about me.

2. I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). The collection agency has neglected to provide me with the necessary procedures to challenge the debt and provide supporting documentation.

3. The collection agency is violating my consumer rights through the use of false, misleading, and deceptive means in their debt collection practices. These actions are not only unethical but also unlawful under federal regulations such as 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

In my dispute letter to the collection agency, I have made the following requests : - I dispute owing any and all debts to the collection agency. 
- I revoke all rights for the collection agency to communicate with me via email, text, or phone calls. 
- I request debt validation for the purported debt. 
- I request the purchase agreement between the collection agency and the original creditor. 
- I request proof of the collection agency 's licensing and bonding. 

I have attempted to resolve these issues directly with the collection agency, but they have been uncooperative and non-compliant with my requests. Therefore, I am seeking the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that my rights as a consumer are protected. 

I kindly ask that the CFPB investigate the actions of [ Collection Agency 's Name ] and take appropriate measures to ensure their compliance with consumer protection laws and regulations. 

Thank you for your attention to this matter. I look forward to a prompt resolution and response from the Consumer Financial Protection Bureau. 

Sincerely, [ XXXX XXXX ]
Product: Credit card or prepaid card

I started checking my credit for innacurate information this year. I have disputed this fraudulent account many times via XXXX  and XXXX. It still appears on my credit report. I even put out a fraud alert. I do not recognize this account. Please delete it from my credit file.
Product: Checking or savings account

I received a letter stating that my chase bank account and credit is closed. I went to bank to inquire about why my account was closed, and they did not give me a reason why they closed my account. The bank also stated on the XXXX of XX/XX/2021, my checking account will also be closed. I asked what was the reason for closing my account and bank did not give me a reason. This is discrimination against me as XXXX American man.
Product: Debt collection

On XX/XX/2XXXX XXXX XXXX XXXX XXXX : XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX, contacted me regarding an alleged debt. XXXX XXXX, XXXX has been sending monthly statements as supposed evidence of this debt. However, according to the ruling in XXXXXXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX. XXXX, monthly statements are insufficient evidence of debt. On XX/XX/2023, I, acting as a Private Attorney General, sent a formal debt validation letter XXXX XXXX XXXX XXXX requesting the following documentation to validate the debt : Proof of the original debt, such as the original contract or agreement.Comprehensive documentation showing the transfer and assignment of the debt from the original creditor to XXXX XXXX, XXXX. A detailed account history, including all charges, payments, and fees.The complete name and address of the original creditor. In addition to requesting validation, I issued a cease and desist notice, instructing XXXXXXXX XXXX XXXX to cease all collection activities, including reporting to consumer reporting agencies, until the debt is validated. This is in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692c, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Moreover, I informed XXXX XXXX, XXXX that any continued attempts to collect an unverified debt would result in legal action. The potential costs of such legal action were itemized as follows : Filing Fees : $ XXXX Fees : $ XXXX Costs : $ XXXX for Emotional Distress : {$10000.00} Punitive Damages : {$15000.00} Total Potential Cost : {$31000.00}. Additionally, I noted that XXXX XXXX, XXXX is fraudulently posing as XXXX XXXX XXXX, further compounding their legal liabilities.I also outlined that any violations of Title 18 U.S.C., Title 42 U.S.C., and the Code of Federal Regulations ( CFR ), specifically relating to fraudulent activities and civil rights violations, would be addressed in forthcoming legal actions if necessary. As of today, XXXX XXXX, XXXX has not provided the requested documentation or ceased their collection activities, including reporting to consumer reporting agencies. This ongoing behavior is in violation of federal laws and has caused undue stress and potential damage to my credit reports. I seek the CFPB 's assistance in compelling XXXXXXXX XXXX XXXX to provide the requested validation of the alleged debt, cease all collection activities until validation is provided, and delete any inaccurate information from my consumer reports. Furthermore, I request that the CFPB take appropriate actions against XXXX XXXX, XXXX for their fraudulent practices and violations of federal laws.
Product: Vehicle loan or lease

I have a problem with American Credit Acceptance i have gotten a extension due to loss of job and when my regular payments started back up i Called them after the second payment to see why my payment was just gone towards entrance and not the principle explain to me after 4 months of getting caught up with interest that my payments will start going towards The principle. And here it is XXXX and I'm still sitting at the amount that i owe in XXXX of this year now. I haven't missed a single payment and I'm just lose i called the company to ask what's gone on and they can't even tell me what's gone on so i need help to be done with this company.
Product: Credit reporting or other personal consumer reports

the accuracy of the pay status information being reported on my credit report in connection with my XXXX Credit Card account. The account in question is closed, yet there have been highly unusual changes to the pay status, which I believe are inaccurate and misleading, creditors are required to send periodic billing statements under :15 USC 1637 ( b ), Lack of Proper Notice and Disclosures : The details of the account are as follows and Inconsistent : Account Type : Credit Card Account Holder : XXXX XXXX Status : Closed Issue : Inconsistent and Inaccurate Pay Status Reporting on Closed Account Creditor : XXXX XXXX is highly irregular for the pay status on a closed account to undergo changes after the account has been closed. Once an account is closed, the pay status should remain consistent with the final payment made or the status at the time of closure. However, I have noticed that the pay status on this closed XXXX account has been modified or updated, which is not only unusual but also detrimental to the accuracy of my credit report. 

XXXX.Inconsistent Pay Status Reporting : The pay status has inexplicably changed on my XXXX, XXXX, and Experian credit reports, which does not reflect my actual payment history or account status at the time the account was closed XXXX. Impact on Creditworthiness : These changes are misleading and negatively affect my creditworthiness by suggesting ongoing or recent issues with an account that was already closed and settled. This inaccurate reporting could adversely impact my ability to obtain credit or other financial services. 

Requested Action : I request that you conduct a thorough investigation into this matter and correct or remove the inaccurate pay status associated with this closed XXXX account. Please provide me with the results of your investigation, including any supporting documentation that was used to verify the information. If the accuracy of the information can not be confirmed, I request that this account 's pay status be updated to reflect its accurate and final status at the time of closure. 

This letter serves as a formal complaint under the Fair Credit Reporting Act ( FCRA ). I expect a prompt and thorough investigation, as well as a timely response within the statutory period allowed under the FCRA.
Product: Debt collection

Third District Court has issued a Pretrial court date on XX/XX/XXXX at XXXX which I will provide the Judge XXXX the first police report of my home being broken into by criminals after I was threaten to not to go to the police and the second police report in regards of my XXXX  accounts being taken over and fraudulent checks deposited and then used by criminal without my knowledge and then asking the bank to do a FRAUD investigation in which XXXX assumed I gave out my password which is FALSE there is just too many issues surrounding this case and NAR inc lack of disclosure to the courts that I am XXXX on XXXX benefits and all my assets are judgement proof. Secondly, NAR inc has withheld information to the courts of fraud stating there was no Fraud so I submitted to the courts copies of all the FORGERY checks put in my name that were documented by their client XXXX. Additionally NAR inc previously ignored my Debt validation letter stating it was frivolous even the though the law states clearly under the FDCPA of my rights to dispute the debt and collection activities must cease regardless if they feel the letter was generic it should have been honored especially considering there was FORGERY CHECKS on file. The verbiage was legal and they willfully ignored the law and pursued collection attempts anyways. Furthermore, they have notified the courts of a false alleged attempt of serving papers when I wasn't even in the state of XXXX  after having my life threatened I left and went to XXXX for a period of time for my safety. As of now the Third District court after receiving the copies of FORGERY checks, and the fact I wasn't in XXXX  set ASIDE the judgement and issued a court date XX/XX/XXXX at XXXX. Which I intend to explain to the Judge in full detail of the situation and information being withheld including the second police report which I will have in court. NAR inc needs to be investigated by the XXXX  attorney general office for its shady and bad collection practices. I went to XXXX reviews there is countless back to back complaints of consumers seeking help with filing complaints against NAR inc.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Credit Report Inaccuracies Dear Sir/Madam , I am writing to formally dispute inaccuracies in my credit report as provided by the XXXX major credit bureaus : TransUnion, XXXX, and XXXX. It has come to my attention that my credit card account, which is in good standing with a perfect payment history, has been deleted from my credit report, effectively shortening my credit history. 

Details of the account are as follows : - **Account Number : ** XXXX - **Account Type : ** Revolving Account Opened XX/XX/XXXX - **Status : ** XXXX XX/XX/XXXX - **Payment History : ** No late payments, paid as agreed I have received multiple letters from all three bureaus requesting additional identification, despite having already provided all necessary information. This continual request for information is unnecessary as I have verified that my records are complete. 

The actions taken by the credit bureaus may constitute a violation of the Fair Credit Reporting Act ( FCRA ) regarding willful non-compliance. As my credit report reflects, all three bureaus have acknowledged my account status as " OK, '' and there are no discrepancies in my payment history. 

I kindly request an immediate investigation into this matter and urge you to ensure that my account is accurately represented in my credit report. Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, CFPB PLEASE HAVE THIS ACCOUNT REINSTATED
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Checking or savings account

I sometimes help/folks within the XXXXXXXX XXXX to help setup their projects as a side fun activity whenever I have time outside of work. And I have been doing so for the past 3-4 years, from which I have been collecting small payments that I also been reporting on my personal taxes as gains. Other banks that I use for this service are XXXX XXXX and XXXXXXXX XXXX through their XXXX platform. 

On XX/XX/XXXX a man that I have known ( online ) for about a decent 1-2 years, approached me and asked me if I could help him out with his side project that he was working on. After carefully reviewing I gave him a price quote of {$2700.00} < this includes my expenses close to {$2000.00} to help this individual. ( I attached pictures of our conversations ) He agreed and asked me if he could simply just XXXX the full {$2700.00}, in which I agreed. But he made up some excuse and asked me to only send {$980.00} form his personal account because he reached his daily limit ( picture attached - XXXX XXXX XXXXXXXX XXXX ) XXXX he then asked if he could send the rest of the payment from his girlfriends XXXX  account which was {$1700.00} ( XXXX XXXX ) The next day I wake up to an email stating that my account was restricted and would need to call you guys for support and resolve this issue. I run through with the rep and explain everything to him, the first thing that comes out of his mouth is that what I'm doing as a service is against TOS of XXXX because I'm operating a business. In which I'm not, I do this for fun and my profit is just my labor as my expenses to help the individual is subnational and close to 85 % of the total payment. Nevertheless, I have been accepting payments for such gig since early XXXX from banks like XXXX and XXXX XXXX and they have never complained to me once nor have I caused any XXXX related problems. 

The user issued a merchandize scam with their bank which is clearly XXXX, I have never met the individual in person, I live in XXXX and have not been out of state since early XXXX.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting Act the following account has violated my rights XXXX XXXX XXXX XXXX During the pandemic I got into some financial trouble since I had an unexpected lose in pay and was given a lower payment arrangement to help me until I can regain my finances I met every required payment with them, and they still reported my payments negatively as not paid as agreed. Prior to this situation I had never missed a payment and was always on time. It's not fair that my credit bureau has been affected as a result of a situation that was not my fault and I met the payment requirements they put in place. I did try and call them and was advised there is nothing they can do to assist me. I really don't feel that offering a payment arrangement so I can catch up and then still reporting me as not paid as agreed is a fair option, and it doesn't help at all.
Product: Debt collection

The debt that rossman and co is reporting to the XXXX major credit bureaus has reached its age of ineligability to be reported to them. The original creditor has since removed it from the reports but rossman and co claims it is eligible because it was just reported to them recently. I explained to the customer service rep that the seven year reporting time could not be extended beyond the seven years from the original default date regardless of when rossman received it information from the original creditor. I told them numerous times over the last few weeks that I wish to file a direct dispute to have the debt report removed and they referred me to their website which does not provide a way to directly dispute anything. I have sent numerous emails but no one will respond from XXXX. Please help!!! XXXX XXXX XXXX -- -original creditor is XXXX. My contact info is : XXXX or XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and Synchrony Bank/Care Credit because on my credit report Im showed as an authorized user on XXXX with a balance that is showing at XXXX  %. I dont have said account. I have contacted them numerous times. Care Credit says they have no record with the account attached to my name. That they are happy to clear it up with XXXX immediately. I need this to deleted off my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I submitted a complaint to CFPB regarding the servicing of my mortgage. The company ( LoanCare ) had incorrectly reported my mortgage account as 30 days late to the credit bureaus. Last year, XXXX my previous mortgage company sold my mortgage and the servicing of the mortgage to LoanCare. Because I was out of the country, I missed the notification of the change and continued to pay XXXX for two months after the mortgage had been sold. When I returned from my trip and realized my mistake, I immediately called LOANCARE to explain the situation. I explained that I was in the process of trying to get the mistaken payment reimbursed from XXXX. I immediately paid the XXXX bill but could not afford to pay the XXXX bill without first getting reimbursement from XXXX. Nonetheless and despite my explanation to LOANCARE, it reported me as 30 days late on my XXXX payment. In XXXX I filed a complaint with the CFPD against LoanCare. By letter dated XX/XX/2019 ( attached ), LOANCARE denied that it made a mistake but nonetheless agreed to change its report to the credit agencies as " current, pays as agreed. '' The letter said to allow 45 days for the credit agencies to update their records. Since that time, most of the credit agencies have updated the reporting of my loan. However, one agency XXXX  has not made the change and contunes to report me as 30 days late on my home loan. XXXX  says that LOANCARE has been unresponsive to its requests for the information so that it can confirm that the delinquencies have been removed. LoanCare has not responded to my request for assistance. I have called XXXX XXXX who wrote the XX/XX/XXXX letter on behalf of LOANCARE multiple times. Despite multiple calls and messages explaining the situation, neither XXXX nor anyone else at LOANCAre has returned my calls.
Product: Debt collection

This is a case of mistaken identity, the debt you are attempting to collect is fraud. I never carried credit with XXXX XXXX, I explained this to them already, please stop attempting to collect this debt it false, or fraud and was not incurred by me. I contacted the FTC, the Report Number:XXXX, please re-frame from trying to collect this debt or impugn charter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 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 corrected : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$170.00} XXXX XXXX XXXX  Opened : XXXX XXXX, XXXX Balance : {$93.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not accurately furnishing information on my consumer credit report. I have not received the investigative report that should include interviews with family and friends 15 USC 1681a ( e ). My credit report has inaccurate names and addresses which put me at risk for identity theft and financial harm. these inaccuracies have come back " verified '' which is not true and is considered willfully and knowingly furnishing inaccurate information. My credit report is not the same across all credit reporting agencies 15 USC 1681b ( e ) ( ( 6 ). I did not give Experian written instruction to furnish anything on my consumer credit report 15 USC 1681b ( a ) ( 2 ). Experian is liable for {$1000.00} per violation.
Product: Mortgage

Our new loan servicer has arbitrarily altered the terms of our HAMP Loan Modification by failing to accurately report our deferred interest which is a fundamental part of the written contract between us and our prior loan owner XXXX.