23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A caller from XXXX XXXX ( XXXX XXXX ) - she called and stated my social, the debt I owed, and a few other personal things. ( XXXX ( she had previously left a message and accused me of bouncing a check and defrauding a financial institution and ended her message with good luck ). I asked her to send a validation of debt to which she refused and stated the original creditor had to supply that. She then gave me a phone number that was not to the original creditor. When I said I will call them and verify then call back she threatened me saying I am refusing to pay, I will be sued or wages garnished and threatened something about a lien or taking my XXXX  XXXX XXXX and hung up immediately after the statement. Then a gentleman ( XXXX XXXX from the pre-legal with XXXX XXXX XXXX ) from the same company called and left a message stating they have tried every " appreciable '' way to get me to pay ( they have contacted me twice ) and that they have no more time and accused me of defrauding the company. ( XXXX )
Product: Debt collection

Just now finding out about this bill, My wife who is XXXX XXXX and always had XXXX problems since youth, evidently got a credit card in my and her name and made charges, during a XXXX XXXX. Since then she has hid the bills and kept the phone, with the ringer cut off, never wanting me to use it ... constantly deleting messages. She stayed so upset, she tried not to let me know because part of her problem was she suffered from XXXX XXXX, because she constantly worried me and had hurt me before during her episodes. Her XXXX XXXX in the mornings were often over XXXX XXXX, and she clutched the phone deleting numbers and messages. Last Tuesday evening She literally left went to the nearest city and got on a bus to XXXX Arizona ... I have not heard from her in 7 days and feel she is in possible danger. She is one of the sweetest people I have ever known, even with all her problems. She was a person who could not tell the truth because she felt so excessively. I did not question her because it has in the past trigger episodes, she has been under Doctors care for year, including XXXX care. This evening I get home and see the phone completely fill with their calls and messages ... .and I see why she left, her state was so bad her life had become endangered. If she had n't left she would have died from XXXX. I am ashamed to think there are humans on this planet so hungry over a dollar. This bill was unknown by by me and now it will be paid, I have never really needed credit and have never charged anything on a card that could'nt be paid off in full by the end of the month.
Product: Credit reporting or other personal consumer reports

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

I've disputed Transunion for several weeks. There are errors on my credit file regarding a bankruptcy. I have repeatedly asked the company to provide a petition with my signature on it. They refuse to comply. And their method of verification is in violation of the FCRA.
Product: Checking or savings account

I XXXX XXXX opened a new account with cash app I tryed gaining access to my old account which I currently have funds on so that I could transfer my money from one to another I'm now being told I can't access my old account which still has money in it. I've been going through this now for over 2 weeks their basically telling me I can't get my money.
Product: Credit reporting or other personal consumer reports

In according to the fair credit reporting act this creditor has violated my rights.

under 15 u.s.c 1681 section 602 state I have the right to privacy. 15 u.s.c 1681 section 604a section 2 It also states a consumer reporting agency can not furnish an a account without my written instructions under 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under or open An consumer plan as late for any purpose
Product: Money transfer, virtual currency, or money service

This is my 4th complaint! .. company close complaint each time without answering to the point.. looks like clear delay n discourage tactics.. Either they do not understand the complaint or simply doesnt want to answer.. 

My personal data is held hostage by company and company is not disclosing specific points as to what regulation mandates to keep personal data held up when there was no monetary business as the transaction was just a sign up to digital service..

I seek below very very specific info from the company this time. I do not need timeline of past interactions directly with company 1. Copy of terms n conditions where I consented 2. Any federal guidelines very specifically asking to retain personal records when there was no monetary transaction?

3. What is the guarantee that the personal data is not cross sold?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX # XXXX # XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

I dont know. I never use PayPal. I might have used it once or twice in 20 years but I want to know where XXXX dollars plus change comes from. For years, I have been receiving unknown, mysterious emails about some problem with PayPal. Whether its not to go near that website or that I owe money or some other unknown correspondence that I have no recall. I pay all my bills on time. This must be at least 10 years ago at least if I even did this which I doubt it.
Product: Mortgage

Hello, My name is XXXX XXXX, my Loan number # XXXX. Im writing concerning of how your company has handled my mortgage, and questionable business practices. Ive been deceived by your company, mortgage representatives, and legal counsel. I would like to speak to someone from a corporate representative concerning this situation. I was making payments up to XX/XX/XXXX, then was told by Loancare that they are now mortgage handler and to suspend payments until XX/XX/XXXX due to paperwork and processing. XX/XX/XXXX arrives and im informed Ive defaulted due to 3 months of nonpayment, and in forclosure?!? Now apparently my home was sold on XX/XX/XXXX. Ive had communications with Loss Mitigation, and the attorney involved, both implied that a solution could be made to the situation. Neither gave notice it was up for auction, or lose my home. Ive been told today by XXXX XXXX XXXX attorneys office they were in favor of restarting the loan and resume payments. Today XXXX XXXX emails me stating that it was sold in XXXX, and that Ive lost my home and to contact the attorney??. This is outrageous! I cant believe this is how Loancare operates, its inhumane and unethical. Im consulting an attorney on my legal options, and other avenues to keep my home. Im XXXX, retired and now will be homeless. I appreciate any assistance in this matter. 

XXXX XXXX XXXX XXXXXXXXXXXX
Product: Debt collection

On XXXX I set up payment arrangements to pay Cedar Financial for a debt I had accrued with XXXX University. It was imperative that I get this done because I am enrolled in XXXX University and I can not attend the school have have a debt in collections at the school. I spoke with a representative at Cedar Financial. In which I wanted to arrange to pay {$50.00} a month. He told me that that would was not a significant enough amount. He asked what was my gross income. Then he asked how much was my rent car note and other household expenses. He calculated what I had told him and then told me that i had 600+ dollars remaining and told me I needed to pay more. I told him I did not have it and that I would like to keep the {$50.00} a month payment arrangement. We scheduled the one time payment and gave me a website that I could go to pay online moving forward. 

Cedar then contacted the school and told them that my payment did not go through and that payment arrangements were not set up and stated that we had a " verbal agreement '' On XX/XX/2019 knowing that my payment has come due again. I went online to make the ONE time payment. Cedar financial took 2 payments instead. I contacted my " account manager '' by phone 7 times no response. I contacted Cedar finacial directly they forwarded my calls back to the " account manager '' No answer. I called back again and spoke with another representative who told me that when You make an online payment they will post the payment twice. I told him that was unacceptable I only authorized one payment and that I would like to have my money refunded back to me. He then put me on hold to contact the billing department and stated that the money would be refunded. I asked for a confirmation email to show that the money was going to be returned. He stated that he would send it over in 5 mins. The money was not returned in fact the payments posted the next day and I never got a confirmation email The
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 these accounts has violated my rights, 15 USC 1681 section 602 A states i have the right to privacy.

15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c section 604 ( A ) ( 5 ) section states. No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) 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
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax, XXXX, XXXX XXXX and XXXX XXXX have failed to do anything sent police report and hacking reports
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of the Fair Credit Reporting Act ( Upstart ) has violated several of my rights.

15 U.S.C 1681 Section 602 A. Clearly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.

Remove the late payment and update this account immediately as you are in direct violations of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX, IL XXXX XXXX XXXX XX/XX/2024 **Subject : ** Formal Dispute of Fraudulent Account Under the Fair Credit Reporting Act ( FCRA ) **To : ** Credit Bureau Dispute Department XXXX XXXX XXXX Experian, XXXX ] [ Address of the Credit Bureau ] Dear Sir/Madam, I am writing to formally dispute the inclusion of an account on my credit report that does not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or fraudulent information, and I request that the following account be removed from my report immediately : - **Creditor : ** XXXX XXXX XXXXAccount Number : ** XXXX - **Balance Owed : ** {$3800.00} - **Status : ** Charged-off/Bad Debt - **Closed Date : ** [ Date as per report ] XXXX XXXX XXXX  Violation of FCRA : This account does not belong to me, and I have never opened any credit account with XXXX. This is either a case of identity theft or an administrative error. Reporting this account as mine is a violation of the FCRA, as it reflects inaccurate and unverified information. I have no financial responsibility for this account. 

XXXX XXXX XXXX Action Requested : I demand that you investigate this matter immediately, remove this fraudulent account from my credit report, and provide written confirmation that the investigation has been completed and the account has been deleted. If this item is not removed, I request that you provide me with the detailed investigation report and verification of ownership for this account. 

Please note that if this account is not corrected or removed, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action if necessary. 

Enclosed, you will find a copy of my credit report with the fraudulent account highlighted. I have also attached a copy of my ID and a utility bill to verify my identity and address. 

I expect a prompt response, as required by the FCRA, and look forward to receiving written confirmation of the removal of this account from my credit report. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

In review of my XXXX credit report on XX/XX/XXXX, I noticed a XXXX ( XXXX ) collections accounts from a company by the name of Credit Collection Services. I had never heard of them before nor received any writtenc communication from them. On XX/XX/XXXX I contacted this company via XXXX Mail to " Validate '' this debt. I received the green certified card that revealed that the company received my letter. 

On XX/XX/XXXX, I noticed that XXXX of the XXXX ( XXXX ) accounts that I had disputed was removed and I had not received an official response from them. I drafted another letter to them on XX/XX/XXXX informing them that they were in direct violation of the federal consumer law. I sent this letter to them via XXXX Mail as well. 

As to this date, I have still not received any response from them. Furthermore, they have violated the FDCPA Regulation F that became effective XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protected consumer, I have submitted a request to now opt out of any and all authorization, I the consumer, may have given to the below creditors - written, unwritten, verbal & non-verbal per 15 USC 6802 & 16 CFR Part 313 which [ in summary ] states that it is a violation of my rights to report personal & nonpublic information to a third party. This should be effective immediately & indefinitely. Below is a detailed description of each creditor and the specific information that I am requesting to be reflected in my consumer report moving forward per the Privacy Act of 1974. 

1 ) VOLVO CAR FINANCIAL SERVICES : Inaccurately reporting late payments. In accordance with the Fair Credit furnish an account without my written instructions under 15 USC 1666b ; a creditor may not treat a payment on an open end consumer credit plan as late for any reason. Please advise the creditor to keep this account open & to show the account as paid as agreed [ backdated to opening of account ] for past, present & future payments, as long as there is a contract in place. 

XXXX ) XXXX XXXX XXXX XXXX : Inaccurately reporting utilization. It is illegal to report transaction history. Please advise creditor to keep the account as open on my credit/consumer report, but to report the utilization as 0 % [ backdated to opening of account and for present and future use of the open ended credit account, as long as there is a contract in place ], per 16 CFR 313, 433.2 and 433.3. 

XXXX ) XXXX XXXX : collection account - A charge off with a XXXX party debt collector is considered a certificate of indebtedness, which is considered income and income can not be reported on my credit or consumer report. Please have the consumer reporting agencies delete this from my report immediately and indefinitely. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : collection account - A charge off with a XXXX party debt collector is considered a certificate of indebtedness, which is considered income and income can not be reported on my credit or consumer report. Please have the consumer reporting agencies delete this from my report immediately and indefinitely. https : XXXX XXXX ) XXXX XXXX : collection account - A charge off with a 3rd party debt collector is considered a certificate of indebtedness, which is considered income and income can not be reported on my credit or consumer report. Please have the consumer reporting agencies delete this from my report immediately and indefinitely. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Its on my experience report from XXXX XXXX XXXX. Ive tried to dispute but the dispute was denied. Ive never used the company nor have I ever heard of them. I tried calling them and theyre for a power company for an address that Ive never lived at.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystem 's refuses to accept my FTC Report from the Federal Trade Commission, which is proof of identity theft as a source of documentation to remove the inaccurately reported checking account information which XXXX also advised me they purposely are reporting it inaccurately. The Checking account lists that there were " Account Abuse ''. Per the credit union, they reported this information after closing the checking account even though the account was current at the time of closure. The accounts were never abused per the credit union, one dispute was filed for transactions that occurred online as a result of identity theft. These transactions were for a online streaming service called XXXX. Per the credit union, they closed this checking account due to this dispute. At that time they negatively withdrew the charges twice, and then charged a fee. They never notified me " The Consumer '' about any of these charges, nor disputes nor ever provided any information on any of this. It was months later when i had to actually walk into a branch and ask them if they knew anything about the ChexSystems report. They said they weren't sure as they show the checking account current and closed and are not sure what happened. They called their management which again told them they did not report any information to chexsystems. 

Upon speaking to XXXX further, they are advising me they are reporting this information as inaccurate even though i have reported identity theft. They are reporting this because they say since the credit card accounts were " Charged off '' that automatically shows account abuse and they will report it for every account they have in their institution. Even though it isn't true. XXXX continually unblocked and blocked my online access for many months this occurred. Not only do they report this information inaccurately they show addresses i have never lived at including XXXX XXXX XXXX XXXX TX XXXX. Furthermore i reviewed the Fair and Accurate Credit Transactions Act chexsystems previously mentioned in that report this is mentioned " Notify law enforcement ; or Determine that no response is warranted under the circumstance. '' Under these circumstances since XXXX verified that they reported the inaccurate information on purpose to me and the NCUA. This information should be blocked from my file immediately. I as a consumer have a right to determine if law enforcement is warranted. They openly admitted to reporting inaccurate information. Therefore under the FCRA, I am submitting to you a statement of identity theft from the Federal Trade Commission which is put in place to protect consumers against identity theft and to have this inaccurate information blocked immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report recently and I have information that is inaccurate. I wasnt also able to pull my XXXX and transunion. This is the second report that I have filed cfpb.com has supposedly lost the first filing i have spent 2 days on the phone even receiving a email from you to send a respond and I did and still no respond. So I am filing again. 
My name is spelled multiple ways and there are several addresses which will be listed below that do not belong to my possibly a relative or the information numerically are incorrect. I have multiple phone numbers on the report which are not mines. Accounts that should have been included in my bankruptcy that are not. And multiple hard inquires that I have not done business with that need to be removed this is a serious error and its costing me thousands of dollars in interest fees and denial letters because of inaccurate information and not properly reporting I am in distress the items listed below need to be removed immediately. 
addresses : XXXX XXXX XXXX XXXX # XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXXXXXX XXXX XXXX MT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX IL telephone numbers that are inaccurate : XXXX ) XXXX XXXX ) XXXX employers that are incorrect : the XXXX XXXX and XXXX need to be removed accounts that are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HASNT BEEN REMOVED SHOULD HAVE BEEN INCLUDED IN BANKRUPTCY CHAPTER XXXX BANKRUPTCY IS FILED INCORRECTLY ITS NOT INCLUDED ALL THINGS THAT WERE PAID AND AGREED UPON 13 HARD INQUIRES AND 9 OF THEM I HAVE NOT DONE BUSINESS WITH AT ALL OR HAVE NO KNOWLEDGE OF THEM.