23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

-- -- -- UPDATE TO CLAIM # XXXX -- -- -- - MANAGENEBT SERVICES XXXX has responded to my CFPB complaint stating that they have NOT attempted to collect any debt and that they disagree with my claims on their violations under the FDCPA. 
MANAGENEBT SERVICES XXXX according to their response has removed themselves from liability under the violations of the FDCPA which they remain liable to pay remedy under 15 USC 1692k. Notice it is a fact MANAGENEBT SERVICES XXXX has sent a letter REQUESTING PAYMENT OF AN ALLEGED DEBT even tho they state they have not attempted to collect any debt. MANAGENEBT SERVICES XXXX has violated multiple federal laws under FDCPA and has been put on notice by AFFIDAVIT and demanded under 15 USC 1692g to validate the alleged debt to which they state they will no longer attempt to collect which leads me to believe this was an attempt to make an extortionate extension of credit by trying to collect money on a CONSUMER FINANCE CHARGE which is a violation under 18 USC 892 and is in fact committing RAKETEERING which is a violation under 18 U.S. Code 1962 -RICO. MANAGENEBT SERVICES XXXX is here by put on NOTICE of Federal Violations Under the FDCPA and under RAKETEERING for attempting to collect money by obscene matters and attempting to make an extortionate extension of credit and has lied in their response stating they have not attempted to do so but in fact have done so as shown in EXHIBIT A. I am willing to settle this matter IN GOOD FAITH if MANAGENEBT SERVICES XXXX pays I the consumer by cashiers check only in the amount of {$20000.00} to address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX for the violations under the FDCPA under 15 USC 1692k and for showing lack of regard and respect to I the consumer and Consumer Financial Protection Bureau by lying.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX AND ABILITY RECOVERY SERVICES BILLED ON XX/XX/year> FOR THE AMOUNT OF {$620.00}. Over and over XXXX fail to conduct reasonable investigation after countless disputes, causing damages to my credit. Payments was settled.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fall Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify costumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Request for Removal of Account Under Fair Credit Reporting Act Dear TransUnion, I am writing to formally request the removal of an inaccurate account from my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Upon reviewing my credit report, I discovered the following account that I believe to be incorrect or in violation of my rights under the FCRA : Account Name : Credit Acceptance both accounts Reason for Removal : This account does not belong to me Under the FCRA, I am entitled to a credit report that is accurate and reflects the true status of my financial obligations. Section 1681i of the FCRA provides that if an item on my credit report is found to be inaccurate, I have the right to dispute the information, and the credit reporting agency is required to investigate and correct or remove the inaccurate information within 30 days.

As the account in question is either incorrect or outdated, I request that TransUnion immediately investigate this account and remove it from my credit report. In accordance with Section 1681e ( b ) of the FCRA, credit reporting agencies are required to maintain accurate and complete information. If the account can not be verified, it must be deleted from my report. 

I have attached supporting documentation to assist in resolving this issue, including [ list any documents you are attaching, such as payment records, correspondence, or identification verification ]. 

I respectfully request that you update my credit report to reflect the accurate information and provide me with a corrected copy of my credit report once the removal is complete. 

If you fail to remove this inaccurate information, I will pursue my legal rights to enforce compliance with the FCRA, including contacting the Consumer Financial Protection Bureau ( CFPB ) and filing a formal dispute. 

Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated time frame of 30 days. 

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

H & R acccounts, a collection agency in XXXX, has reported for several months an open delinquency on my credit report. The original creditor was XXXX XXXX. This account was discharged in bankruptcy in XXXX 2007, is not open, and represents double negative reporting since the bankruptcy and XXXX XXXX negative trade line show the account.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and issue a cease-and-desist order against XXXX XXXX. for multiple violations of federal laws and regulations, as well as against XXXX, XXXX, and XXXX for their roles in reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in XXXX XXXX XXXX XXXX in their knowledge that the debt in question was discharged. Despite this knowledge, XXXX XXXX XXXX continued to furnish information related to my account to XXXX, XXXX, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). 

Furthermore, XXXX XXXX XXXX unlawfully attempted to collect on a XXXX debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). The IRS defines a charge-off as Gross or Ordinary income, and it clearly states that income can not be reported on a consumer report. Therefore, the reporting of this account as a debt is factually incorrect and does not align with IRS regulations. XXXX XXXX XXXX has failed to provide me with a 1099-C for the cancelled debt, which is required for filing as ordinary income according to IRS guidelines XXXX This lack of documentation further supports the inaccuracy of reporting this account as a debt. Attached is a copy of the 1099-C for which I personally filed for XXXX XXXX XXXX 

Moreover, XXXX XXXX XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, XXXX, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX XXXX XXXX immediately delete the account related to me from their records and cease all further reporting to XXXX, XXXX, and XXXX. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX XXXX XXXX XXXX, XXXX, and XXXX regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission XXXX XXXX XXXX XXXX XXXX file no. XXXX ). 

Thank you for your prompt attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint 4 months ago to CFPB around the fact that my reported Student Loans on my credit report were not only currently in litigation with the federal government and other civil suits due to them being solely part of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and because of this they need to be eliminated from my credit reports immediately. XXXX did it, but XXXX  and XXXX  failed completely, and did not remove them from my credit report. These loans are fraud and there is about to be another major lawsuit again XXXX for harrassing the same students who were mislead and money stolen from them by XXXX as the students now have no legitimate degree but thousands being reported on their credit report. This is causing them to have massive amounts of problems from buying a house to getting funding for a REAL degree and being able to start their life over properly. So far the CFPB has completely failed in rectifying this matter and this situation may need to be taken to common law/equity law to get justice - ANY STUDENT WHO WAS UNDER THE FRAUD OF XXXX XXXX XXXX XXXX AND COLLEGES LIKE IT ) AND UNDER XXXX  WHO CONTINUES TO REPORT THESE FRAUDULENT DEBTS TO CREDIT COMPANIES IS RESPONSIBLE FOR THE DEBT OWNED, NOT THE ALL CAPS NAME " PERSONS '' - THIS IS THE 2ND ATTEMPT FOR MY OWN CREDIT REPORT TO REMOVE THESE LOANS OFF THE MAJOR 3 CREDIT BUREAUS IMMEDIATELY - XXXX XXXX AND XXXX. IF THESE 3 CREDIT BUREAUS DO NOT REMOVE COMPLETELY, THEY ARE THEN RESPONSIBLE ALONG WITH XXXX, XXXX XXXX XXXX AND THE CFPB. A MAJOR 2ND LAWSUIT IS BEING DISCUSSED AGAINST THE CREDIT BUREAUS IF THIS CONTINUES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting act XXXX  Account # 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
Product: Credit card or prepaid card

I had a checking account with Huntington Bank. I also had a Huntington credit card. The card was set to autopay the minimum amount. In XX/XX/2019, instead of the minimum amount, the card auto-paid the full statement balance ( about {$300.00} ) out of my checking account, which left my account overdrawn. The card then put a cash advance into my checking account for to bring the account back to XXXX  ( to avoid the {$30.00} overdraft fee ). I called Huntington 's  customer service and they confirmed that this was an error. At that time, I asked for the card to be unlinked from my checking account so that it would no longer cover overdraft fees with cash advances. The CS agent reversed the incorrect payment, but it took 3-5 business days for the money to get back into my account. During this time, another cash advance was posted from the credit card to my account ( again, to bring the balance to XXXX  because of the money that was incorrectly taken from my checking account ). 

The same thing happened in XXXX, but now the credit card balance was around {$750.00} due to the cash advances. Although I had cancelled the auto-pay, the card auto-paid itself the entire {$750.00} balance out of my checking account, again leaving me overdrawn, and then proceeded to add more cash advances from the card to bring my checking account back to XXXX  while I waited 5 business days for my money to be returned to my checking account. 

I called customer service a number of times and was told that I " spent '' the money that was added to my checking account, so the credit card charges were valid. I did not. The cash advances brought my account out of a negative balance. 

I spoke with a representative in a bank branch who confirmed that the cash advances should not have been posted from the credit card to my checking account. 

When I finally managed to reach a manager at Huntington customer service, he was extremely unhelpful and insisted that I owe the money that was incorrectly posted to the account from the credit card. He refused to give me his name, and when I asked if I could access recordings of my customer service phone calls, he told me that " calls with managers don't need to be recorded. '' I did record our conversation myself, which I informed him. 

To date, there is no resolution on this. My actual balance on the credit card should be around {$300.00} and is currently {$1400.00}. 

Note that the date on the checking account statement attached is XX/XX/2019. At this point, I had requested several times that my credit card be unlinked from my checking account, but this change had not occurred.
Product: Checking or savings account

XXXX XXXX, AVP of Axos Bank, sent my full SSN in an unencrypted PDF to an unverified email address.
Product: Debt collection

Hello, so what happened was that I had an account with XXXX XXXX XXXX for Phone, cable and Internet. During the first month of the account, we learned we were being charged for 2-3 extra phone lines which increased our bill dramatically. After complaining about this issue ( and still paying so our service did n't go out ), they did not fix the issue and it persisted. At the start of the second month, my account went into fraud and my account was shut down, this is because the 2-3 extra phone lines that they added on my account were not being used ( for obvious reasons ) and if a phone line/sim is not used for a certain time, your account goes to fraud. I then had to prove to them that I was not committing fraud. They eventually solved the issue but could not renew my account as once it goes to fraud, it can not be opened. My services such as internet, cable and phone were all shut off and I had to go to a public library to even call them and try to resolve the issue. I then talked to someone via online chat box and after much deliberation they attempted to solve the issue and only have me pay what I owed that month which was about {$95.00}. I did pay and it was resolved only for a few days and then the whole account was suspended again due to non payment, this time the payment was well over {$1500.00} as when the account went into fraud, the payment plans I had on my phones were cancelled and they attempted to charge me for 2 brand new phones even though it was supposed to be only one new phone. I do have a copy of a transcript of the conversation I had with the agent and I do have the case # with XXXX in which I tried to solve. I refused to pay this as not only were they over charging me, they were n't even giving me service and charging me for things that were not even there. They would not help me over the phone after I tried multiple times and it came to the point where I had to leave and just find another provided. I refused to pay this amount and I told them why, but they just sent it to collections and thus my credit has been held hostage since. XXXX XXXX # : XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, were transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request investigation into my account transactions.
Product: Vehicle loan or lease

i rescinded all contracts signed under my name with navy federals institution in the year 2022. Pursant to federal and state laws. i excercised my right to rescind these contracts due to the fact that proper notice of my right to rescind the contracts due to the fact that proper notice of my right to rescind was never sent to me, as required by the Truth in Lending Act ( TILA ), Regulation Z, and state laws governing consumer protection. My right to rescind was failed. the securities transactions are voidable.
Product: Checking or savings account

My payday was XX/XX/year>. I should have received my direct deposit of {$2600.00}. I tried to contact Capital One bank to receive information regarding why it has not been processed as my employer confirmed they had processed the payment. I had no luck receiving updates the day the payment was due and was not able to get through to customer service. It's been over XXXX hours now and I have not received the funds though my client 's payment system has my paystub marked as completed for yesterday XX/XX/year>. 

The Capital One app says they are experiencing technical difficulties today, however, no other updates from the company regarding the issue have been shared. The majority of the updates I have received regarding this have been from the news media or social media. I have had no one from Capital One reach out directly regarding this. No emails from the company. No updates whatsoever with the exception of the message that pops up when I enter my account online. 

We are coming up on a XXXX-day holiday weekend and I am worried this will impact my livelihood. I have bills on autopay that were rejected. I have a XXXX XXXX XXXX. Capital One is still requesting payment for Credit Card bills despite this issue. While technical issues are to be expected when banking online, having no direct communication or update from the bank is unsettling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate information on one of my accounts. XXXX and XXXX are reporting different information. I have asked for an investigation into this account as well as sufficient proof, yet I have received nothing. I have attached the accounts reporting to XXXX and transunion for your reference as well as the initial letter that was mailed. I am requesting for the following account to be removed from my credit report immediately. DEPT OF EDUCATIONXXXX XXXX
Product: Mortgage

1. My loan was sold/transferred to a new loan servicer effective XX/XX/2023 2. I made a monthly payment to OLD loan servicer on XX/XX/2023 for payment due XX/XX/2023, per directions on Notice of Service Transfer 3. This payment included interest from XXXX plus principal 4. Loan service was transferred XX/XX/2023 5. I sold house and escrow closed XX/XX/2023 escrow received Pay-Off demand from new loan servicer charging me interest from XXXX and a principal amount that did NOT include payment of XX/XX/2023. 
6. I contacted NEW loan servicer and they claimed they never received funds from my payment of XX/XX/2023. 
7. I contacted OLD loan servicer and they claimed they wired funds representing my XX/XX/2023 payment to NEW loan servicer. 
8. I re-contacted the NEW loan servicer, they claimed they returned the XX/XX/2023 to the OLD loan servicer. 

Both servicers claim the other has the funds and I must contact them. Both servicers tell me different and contradictory information each time I contact them. 
I have contacted both of them at least XXXX time over the last XXXX weeks, and filed requests online -per their instructions.
Product: Money transfer, virtual currency, or money service

I had a XXXX  payment that I didn't make. It was XXXX dollars and when I call chase to explain I was told that there nothing they could do about it.
Product: Debt collection

On XXXX I received a letter from portfolio recovery associates whom is a debt collection company that purchased my debt from a previous company in XX/XX/XXXX. The letter stated that I were to select a payment plan and to begin making payments by XXXX XXXX XXXX or my account will be referred to and flagged as a collection. 

On XX/XX/XXXX XXXX I received a notification from the credit reporting bureaus stating that my account was flagged for collections by portfolio recovery associates on XX/XX/XXXX. Almost a week prior to the date stated in the letter that I must have selected a plan and paid by. This company denied me the full opportunity to select a plan and make payments by the deadline that they themselves informed me of before I referred to collections. 

This is egregious buy and violates my protective rights, I respectfully ask that this account is removed from my credit report immediately as I will continue to make payments to said company via the plan that I did select by the deadline that they gave me.
Product: Credit reporting

I have disputed with Experian and XXXX the reporting of late payments from XXXX XXXX XXXX. They are reporting me that I had late payments and I never did. They continue to say that their investigation is accurate. However, XXXX investigated and deleted the account as it was not accurate. I have sent to XXXX and Experian letters including a response from XXXX company to my request of records reflecting such late payments and they denied to produce record. That is a violation of XXXX and credit bureaus must remove negative information when the furnisher is in violation of FACTA. This letter was forwarded to XXXX and Experian and they still do not remove the negative and inacurrate information. I request that this be removed immediately as it is depriving me from obtaining a home loan.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of the XXXX XXXX XXXX account from my credit, as I have been a victim of identity theft. This letter serves as both a dispute and a request for both of the accounts to be removed per law. 

Identity theft is a severe crime, and under federal and state laws, I am entitled to certain protections and rights, including those provided under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). 

I kindly request that you investigate this matter promptly and provide a written response in accordance with the FCBA. I expect that you will : Acknowledge receipt of this dispute letter within 30 days. 
Conduct a thorough investigation into the unauthorized charges. 
Temporarily suspend any further collection activities related to these charges during the investigation. 
Provide me with written updates on the progress of the investigation. 
Provide a final written resolution of this dispute within 90 days. 
Failure to comply with the FCBA and other relevant laws may result in legal action on my part. I trust that you will take this matter seriously and expedite the resolution process.