23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My student loans are with a company called XXXX and XXXX XXXX whom I am on a forbearance XXXX. I started working on my credit. My credit report last month showed XXXX XXXX XXXX reported me XX/XX/XXXX Delinquent. I thought that was weird because my loan has not been with them XX/XX/XXXX. It was transferred to another agency. Then two weeks ago I get a letter XXXX. I opened it and it did not have the date they sent the letter to me. Instead it shows a pay due date XX/XX/XXXX and a total balance XX/XX/XXXX. Then they provided an email address that shows XXXX. So I go to that website and XXXX it routes me to a website XXXX. Red flags go up immediately. Then I googled the number they provided XXXX. The number showed up for Collection Technology Inc. This is the company which XXXX XXXX sent my loan to when I defaulted XX/XX/XXXX. They set me up on a program where I paid for a Year straight and my loan was sent back to regular servicing after the rehabilitation program was completed. I do n't understand why four years later they start reporting me negatively on my credit and start sending me bills. My loans are not with them. They are trying to collect on loans that are not with them and reporting me. I work in mortgage and I am trained very well on FDCPA laws. This is a major violation. They are acting and sending letters under the XXXX XXXX XXXX XXXX name. They provided a website like it was a government website but instead it routed to their website and worst of all reporting negatively on my credit for a loan they do not have. I will take whatever route needed because this company is hurting me and violating FDCPA. I am a single parent who is trying to get a mortgage loan and this company is hurting my credit reporting on a debt they do not have. I will take whatever legal action needed to get this resolved.
Product: Debt collection

On XX/XX/XXXX I received a letter from capital one pertaining a complaint to this body, to which they responded by stating On XX/XX/XXXX, we made a business decision to send a request to the CRAs asking them to delete the Capital One account ending in XXXX from your credit files. It may take up to 60 days for the agencies to update their records. 
We performed an investigation and confirmed that the account ending in XXXX was opened on XX/XX/XXXX, with an online application. After performing our review, we believe the account belongs to you for the following reasons : The contact information used to open the account ( listed below ), has been linked to you by public records XXXX XXXX XXXX XXXX XXXX XXXXXXXX We mailed billing statements to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, which has been linked to you by public records, and did not receive any returned billing statements or other mail sent to this address. 
We located recorded calls from XX/XX/XXXX, in which you contacted us about this account and stated it was your account. 

To this letter they informed me this matter was resolved and I had nothing to worry about. Since XXXX they have have XXXX XXXX XXXX harass me for collection, after they stated it was deleted from all public record. I contacted XXXX XXXX XXXX and they said nothing to help and now I am here to complain about this matter non stop phone calls and demands this has to stop.
Product: Debt collection

amount : {$2700.00} More than ten years ago, I opened a sole proprietorship business account with XXXX XXXX. However, in 2014, due to a failed XXXX XXXX XXXX that left me unable to work, I accumulated credit card debt. XXXX XXXX assigned the debt collection to XXXX XXXX XXXX, and eventually, I reached an agreement with them. I agreed to pay nearly 18 % interest plus the principal amount annually. In these years, I have never been delinquent on my payments. 

Last week, XXXX XXXX XXXX sent me a letter demanding full repayment of the principal amount in one lump sum. They also threatened to seek court judgment if I didn't comply with their demands. Currently, 92 % to 94 % of my income is used to pay off two other credit card bills with interest rates as high as 26 %, and I expect to clear them by the end of XXXX. Since XXXX XXXX voluntarily closed my account, they can not increase the interest rate from 18 % to 26 %. Now, XXXX XXXX XXXX has changed its name to Transworld System Inc. and is sending letters urging full payment and threatening legal action to seek court judgment.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on our ongoing efforts to correct the late open accounts on my record. Despite our previous attempts, I regret to inform you that these issues still persist. I kindly request that you prioritize the investigation and resolution of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Moreover, I would appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these discrepancies corrected on my credit report. I understand that resolving such issues may take time and effort, but I urge you to handle this matter with the urgency and attention it deserves. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'am repulsed by this repugnant credit agencies use of the word 'investigation ' they DONT INVESTIGATE a XXXX thing they email the debt collector to confirm if its a valid debt and 100 % of the time the debt collector will say YES. I don't even understand how its legal for anyone to BUY my social security number because that is how debt collectors work and why this fraudulent collection is on my account. Furthermore it makes ZERO sense that XXXX  would buy this debt in XXXX when I was homeless and ONLY!!!!!! to START collecting it in XXXX AFTER!!!!!! my credit information was hacked by XXXX. I WANT THIS fraudulent charge removed!!!!!!!! from my credit report that is the job of this repugnant companies employees to do. NOT just email a debt collector and take there word over mine just because they BOUGHT my social security number. This illegal activity needs to be fixed. Lastly I preemptively refuse the so called copy and paste reply they always have of. " we are investigating the matter '' as stated prior all you people do is email this junk debt collector and close out the so called investigation in 3 days that is NOT an investigation. Your job is a joke and you are a waste of oxygen. I have been dealing with your utter incompetence since XX/XX/XXXX and as you can see I will continue to do so. Your practices are faulty, shameless, repugnant, illegal, fraudulent and expurgated.
Product: Credit reporting or other personal consumer reports

Transunion is reporting negative information to my consumer report that is inaccurate and unverified. I need them to provide the method of verification used prior to reporting as well as a verified statement of their permissible purpose to report the accounts disputed, by the individual who is responsible for reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting my complaint I was told that the " complaint did not appear to be submitted by me ''. I called the CFPB to confirm that I did in fact submit the complaint and was told to upload a copy of my credit reports showing the violation on XXXX, XXXX, and Transunion. There is no option for me to upload this to the existing complaint. 

This, AGAIN, as previously stated numerous times is in violation of my right to privacy under the FCRA. I want this removed from my credit file immediately. 

My full name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA. XXXX My phone number is ( XXXX ) XXXX-XXXX This is the information you have requested from me so I'm providing it to you again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is reporting inaccurate information to the credit bureaus on a monthly basis. Wells Fargo is reporting that a balance is owed on the account that is inaccurate, inaccurate payment dates, and account status. The account has been paid monthly on time and should not have been reported as late. The account was paid and should be updated as such. Wells Fargo is violating the FCRA with its practices. Additionally, Wells Fargo is refusing to provide receipts or any form of documentation for the payments made to their company. These practices are affecting my lifestyle and liberty by preventing me from obtaining a home loan. 


Account ending : XXXX
Product: Money transfer, virtual currency, or money service

( 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: Debt collection

I received a letter from Procollect dated XX/XX/XXXX, XXXX stating there was an unpaid debt of {$300.00}. I was not aware of the this debt and per the letter I emailed them at XXXX on XX/XX/year> at XXXX requesting what the debt was for and an itemized breakdown of charges. As of XX/XX/year> I have not received a response. I then received notification from XXXX that I had an unpaid debt. I immediately called Procollect and tried to get more information since I received no response by email. The agent would not answer my questions and told me the debt is valid and she would take payment. I asked what am I paying you for and should would not answer the questions. She said do to the website and said repeated this is a valid debt. Since this was going no where I thanked her and hung up. I called back and the second agent told be to re-request the debt information on the website. He did say they received my email on XX/XX/year> but could not provide me with a description of the debt or itemized breakdown of the charges. It has been more than 30 days since my dispute and request for the details of the supposed debt. Since I received no response from them I would like this debt removed because it is not valid. I would also like it removed from credit report.
Product: Debt collection

On around XX/XX/2021 someone opened up an online account using my personal information with Capital One. I called several times in attempt to get help with this and was told an investigation would be conducted but I never received any correspondence with this company until I made an report. The company claimed that the account was mines due to them matching my address with the same address that was on file to open the card. I recently contacted the FTC and obtained my Identity theft report which I call today to give to Capital One. I was transferred to several departments before the phone hung up on me not getting any assistance with this matter. I am demanding that Capital One does a reinvestigation of this account and deleted all negative information from my consumer report.
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXX XXXX XXXX  XXXX Balance : {$550.00}
Product: Credit reporting

i have disputed these items with all three bureaus by phone and mail and fax. They will not take the inquiries off saying they are a matter of record and telling me to contact the agencies to do there job to verify if the information that they are reporting is accurate when i am telling them it is wrong along with submitted all verifying documents from courts, child support agencies, police reports and proof of residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on my credit report for 2 inaccurate statements with my mortgage company saying payment was late on XXXX and XX/XX/XXXX. The dispute came back saying the mortgage loan was discharged through bankruptcy chapter XXXX. My ex-wife filed for bankruptcy after we were divorced and this loan was not included in her bankruptcy and I have never filed bankruptcy. This is inaccurate and needs to be removed my credit.
Product: Student loan

I consolidated my federal student loans in XX/XX/XXXX and have been working in public service ever since. There has been several times when the loan services has placed my account in a deferment status, without my knowledge or consent. 

I requested that the deferment be removed from my account in XX/XX/XXXX and was informed by my loan services that it was and that I was in a payment status. 

The only reason I had requested to have my loans placed in a deferment status ( for XX/XX/XXXX-XX/XX/XXXX ), was  because I was in XXXX Basic ( XXXX XXXX ) and could not call to facilitate my loan payment setup within that initial 8 week period. 

I was told that the account deferment was stopped, only later to find out that the services had failed to stop the deferment. 

I have been working in public service for nearly 11 years and request to receive credit for ALL time/payments that were made in XX/XX/XXXX. 

Thank you for your assistance in addressing this matter ; please contact me if additional information and/or clarification is needed
Product: Mortgage

My Mother, XXXX XXXX, ( deceased approximately 10 years ) must have had a second mortgage with XXXX XXXX XXXXXXXX, that is now referred to SPS select Porfolio servicing, Inc. They put my home in foreclosure. XXXX XXXX XXXXXXXX may have sold my account to XXXX who suppose to work with me on this subject matter but SPServicing keep asking me for the same information over and over for approximately XXXX XXXX months, which is sent from the XXXX XXXX. SPS mentioned the information is not clear or legible. They have the account in my mom 's name who is Deceased and refused to put the account in my name, as I was told by the Supervisor and others they have all that is required. I call the next day, the same thing they do not have the documents. I am the owner since my mother have deceased of the home but they will not recognize my ownership. It appears to me they are trying to force foreclosure that I was trying to stop and make a reasonable offer. I have read views that houses have been taken by them as they are stalling until the foreclosure date is XX/XX/XXXX. I would like to keep the house and is willing to make a reasonable settlement on my deceased mother 's behalf. It also has been written off and a judge signed the paper stating off call in XXXX but a letter came to the house a few days ago noting XXXX. I have also been impacted by XXXX in XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Hi, XXXX XXXX. 

My Name is XXXX. I have been asked to contact the early warning services team regarding the issue of open bank accounts with XXXX XXXX. 

Name : - XXXX XXXX Address : - XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX Due to feedback received from the consumer reporting agency ( XXXX XXXX XXXXXXXX XXXX XXXX bank teams are not ready to open my account. This is all started by the report shared by XXXX XXXX XXXX  to banks. 

Let me brief the whole incident & how i am suffering due to this wrong report. 

The whole reason mentioned below is how the scammed happened to me. I have appended all chat with the organization, offer letter & fake check. without knowing any reason & justification from my end Bank of America decided to block my account instead to enquiry about the fake individual or fake organization who did this. I had registered a Complaint Report to Fraud FTC GOV ( XXXX ), because the same incident early warning services generated the report which directly impacted on my daily life. 

Short Story Of Whole Incident & Scam : - I was looking for a job & applied on all job platforms. I got a ping on XXXX team chat from XXXX XXXX. She told me that she works for XXXX XXXX XXXX. After all the discussion she offered me an offer letter & check to buy their company hardware & software. I had submitted the check into my account & I came to know from the bank that the check was XXXXake & Bank Of America blocked & closed my account. I am going through a lot due to this incident/scam happened to me. it also impacted on my financial & also not able to reopen my account with bank of America nor in any other bank. desperately looking for a solution on this. 

I have all the evidence with me like XXXX teams chat details, offer letter, check details & complaint email to amtex auto. 

I have appended all evidence here with this email for your review & reopen my account asap & ask your report agency to make corrections to my report in their database. so that i will be in position to open my account asap in week time. Let me know if you need any further input/details/data from my end. 

If you think there are any mistakes from my side after looking at all evidence let me know please. I am the victim & I am only suffering. 


Regards, XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I entered into a financing contract with a company by the name of XXXX XXXX XXXX ( which is owned and operated by the parent company XXXX XXXX XXXX ). I had a 90 days no interest agreement which states if my balance is paid in full in 90 days or less that the only amount due is the amount which is financed. I financed {$500.00}. I paid a total of {$700.00}, with {$200.00} being due back to me since I paid the balance in full prior to the promotional periods end date. On XX/XX/XXXX I contacted the company regarding this issue and was advised that they are not going to refund me the {$200.00} owed to me, because a payment was not paid on the XXXX of the month and rather the XXXX. I informed them that was of no fault of mine, and that the contract I signed states very clearly that all payments will come out on the XXXX of the month by auto draft. I argued this case and was advised that I had allegedly logged in on XX/XX/XXXX and removed the auto pay option, which there is no history on my account nor any confirmation communication of this alleged event. I advised that by law they are required to alert me when changes are made to the contract or billing arrangement, and since I know I didn't go into the account to change anything until XXXX ( when I noticed their error and paid it myself in good faith ), and they can't provide any verification of me doing such ( and neglected to provide said verification at the time of the alleged change ), I feel it is well within my rights as a consumer to be refunded the total amount of {$200.00} due to me for interest charged during the 90 promotional period in which I successfully paid back the entirety of the {$500.00} financed amount. 

In my contract it states I need to reach out to their Legal Team with a written notification of dispute, however as I've called multiple times and worked directly with XXXX XXXX ( Operations Support ) over email, they have refused my request for the address to send their Legal Team a certified letter of such dispute. 

Since my requests for good faith remediation of this issue have been denied multiple times, I am reaching out to the Consumer Finance office for assistance getting back the over payment amount in full ( including any fee 's they feel they should charge for said financing service since I've been through this issue ) of {$200.00}. 

Thank you Alternate Addresses and contact information I found for Duvera Billing Services LLC, and XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA, XXXX PR - XXXX XXXX - XXXX CEO - XXXX XXXX - XXXX - XXXX, XXXX, XXXX XXXX