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

Can you please look the attachments XXXX, XXXX and transunion? Listen, Im a little concerned because I received notification since XX/XX/2020 when I called this original creditor XXXX XXXX XXXX card and they mentioned that they did their investigation and noticed that Im not LIABLE for this account and theyve ordered all the major credit reporting agencies to DELETE this tradeline from my credit report as shown on the screen of a letter I received from them. Why are you still continue to report this account on my credit report? Not only Im NOT LIABLE, this account continues to report mullite inaccuracies and I want this deleted effective now. Look, at the pictures below, its reporting 3 different dates of last opened, last reported, last active, different account status, different account HIGH balance, different and inconsistent with payment history, etc.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/2023 Ace cash express printed a check, put my name on it but incorrectly and cashed it at my bank for {$77.00} Ace did not have permission to do so. In fact a revocation letter had already been sent and email was received stating they received and ACH payments discontinued.
Product: Student loan

Navient has been unresponsive after I 've asked to speak with several managers. I have called them consistently since summertime as my automatic payments were not being taken out. They say it came back as NSF, but my bank says it was never billed. Then Navient admitted to having IT issues. Late fees, interest, you name it. After calling to resolve many times, they offered me payment options and promised to repair my credit damage of their reporting me. After making each payment, they would change the terms and tell me I had to pay additional money or pay this or that, and then they would rescind the negative info. I finally scraped up the money and paid what it said I was past due on after their lies - and the online account still shows I owe money as of XX/XX/XXXX and its XX/XX/XXXX - so my payment made on XX/XX/XXXX obviously did n't post although it was taken from my bank account. I called again today and requested that a manager call me back - nothing yet. Supposedly they record all calls - well, someone should listen to all the lies they 've been telling me over the months and changing the agreements. It is unethical and immoral. They are ruining students lives! Check the recordings and the call logs - I 'm the one who calls them! And if they ever seldom call me, they NEVER leave a voicemail but the recordings will prove they LIE and say they did leave a voicemails, and I dispute that and tell them they are lying directly. Listen to the recordings!
Product: Credit reporting or other personal consumer reports

I was looking over my credit report noticed information that didnt belong to me sent over my ftc report to Experian. Us bankruptcy reference number XXXX is not mine this account has been disputed and removed from all XXXX credit bereau XXXX and XXXX my information was exposed XXXX data breach. Experian please remove from my credit report
Product: Debt collection

Summary of Complaint : I am submitting this formal complaint regarding the lack of a properly recorded mortgage assignment for the property located at XXXX XXXX XXXX, XXXX, NY XXXX. Based on a review of the XXXX XXXX XXXX XXXX public records, there is no recorded assignment of the mortgage from XXXX XXXX XXXX XXXX  to XXXX XXXX XXXX ( XXXX XXXX XXXX ) via XXXX  XXXX 

Despite this, XXXX XXXX is attempting to collect a debt without proper legal assignment or standing. Additionally, XXXX has failed to correct inaccurate credit reporting despite being provided with proper documentation of a XXXX balance on this mortgage, as reported by XXXX and XXXX. 

Legal Issues Presented : Failure to Record Mortgage Assignment in XXXX XXXX XXXX XXXX Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX & XXXX, a mortgage assignment must be recorded to be legally enforceable. 

No recorded assignment exists from XXXX to XXXX XXXX through XXXX. 

MERS has failed to confirm that XXXX XXXX is a properly recorded assignee. 

Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681 XXXX has failed to update my credit report despite receiving a Notice of XXXX XXXX and Identity Theft Affidavit. 

XXXX and XXXX have already reported the mortgage as a XXXX balance, but XXXX has not complied. 

Fair Debt Collection Practices Act ( FDCPA ) Violations 15 U.S.C. 1692 XXXX XXXX Mortgage XXXXs attempting to collect a debt it has no legal standing to enforce.

No valid mortgage assignment has been produced, violating consumer protection laws against deceptive debt collection. 

Violation of New York General Business Law ( GBL ) 349 Deceptive business practices are prohibited under NY law.

Failure to provide proper assignment records and continued misrepresentation of debt validity constitute a violation. 

Requested Actions : A formal Notice of Assignment from the XXXX XXXX XXXX XXXX confirming whetheXXXX XXXX XXXXXXXX was legally assigned the mortgage via MERS. 

Immediate correction of XXXX inaccurate reporting to reflect a zero balance consistent with XXXX and XXXX. 

A full investigation into XXXX XXXX legal standing to collect on this mortgage. 

An official CFPB inquiry into MERS failure to provide transparent documentation of assignments. 

Supporting Documentation : MERS Letter and Qualified Written Request ( Sent to XXXX XXXX ) Notice of Data Breach ( XX/XX/year> ) Identity Theft Affidavit ( Filed with the FTC and Police Department ) XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX with XXXX Confirming They Originated the Loan and Have Reported a XXXX Balance Conclusion : I request that the CFPB take immediate action to ensure compliance with federal and state laws regarding proper mortgage assignment, credit reporting accuracy, and fair debt collection practices. If this issue is not resolved, I reserve the right to pursue legal action for violations of FCRA, FDCPA, and NY State Business Laws. 

I appreciate your prompt attention to this matter and request a written response regarding the steps taken to address my complaint.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and I noticed that there were two late payments on my account with that are reporting wrong dates and years. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached. In addition to that late payments are considered transactions due to the late fees that are associated with credit account. 
Experian Reporting date Open Date XX/XX/XXXXXXXX  Last Activity XX/XX/XXXXXXXX XXXX Reporting date Open Date XX/XX/XXXX Last Activity XX/XX/XXXXXXXX XXXX Reporting date Open date XX/XX/XXXX Last Activity XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this dispute against a credit reporting company. I've been trying to dispute XXXX large accounts that are on my credit report that are not mine. I've tried to dispute online, It doesn't allow me. I mailed in the dispute and they haven't done it. I called to do the dispute, they do it through text on your phone. They're rude they lie to you and they just don't help you at all. So I feel that I need to do this dispute with you to make them comply because I've done everything I can. These XXXX accounts are ruining my credit, they're not even mine. I am homeless I can not get an apartment, because of my credit score. I definitely need help. I do have the copies of the text and the paperwork I mailed in. I can prove that they're not my accounts Please help me to get this credit recording company to remove these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNTIL EQUIFAX CAN PROVIDE ME WITH A DOCUMENT PROVING THAT I GAVE BOTH XXXX XXXX XXXX AND XXXX XXXX XXXX MY REQUEST TO RELEASE MY PERSONAL, PRIVATE, & NONPUBLIC MEDICAL INFORMATION TO YOU, EQUIFAX INFORMATION SERVICES, LLC I DEMAND EQUIFAX DELETE THE FOLLOWING ACCOUNTS! 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 
I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. 

Please send the above demanded information to my mailing address listed above. This letter is a demand for validation and I demand FULL DOCUMENTATION containing all the information you received from the service provider of this alleged debt. 

Continuing to report this Medical Debt without properly validating and providing me PROOF OF PERMISSION is a violation of the FCRA ( Fair Credit Reporting Act ) You have 30 days to respond or this debt will be considered invalid & removal of this debt will be furthermore required. 

Sincerely, XXXX : XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserve
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX Address : XXXX south XXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXX My NAME : XXXX XXXX My address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Debt collection

On XX/XX/2022 there was an auto accident in front of my home and one of the vehicles rolled up on my lawn and struck my vehicle which was parked in my driveway. I received a letter from a company stating that I was financially responsible for XXXX XXXX in damages and that I was responsible for causing the accident. I've contacted XXXX XXXX  company who the debt collectors say they represent but XXXX  has never heard of them, and XXXX informed me that I'm NOT responsible for the accident or any financial claims, as stated on the police report as well.
Product: Consumer Loan

This is complaint about Wells Fargo Dealer Services. 
We have a car loan through Wells Fargo Dealer Services. We make our payment using their online payment system. This XXXX 2016, Wells Fargo Dealer Services requested an additional {$1300.00} above what we authorized from our checking account which is with XXXX. I spoke with both Wells Fargo and XXXX who we our checking account with on XXXX XXXX, to try to correct this issue. 
XXXX : XXXX XXXX, we made a {$360.00} payment to Wells Fargo via their online payment system. 
XXXX XXXX, we made second payment of {$500.00} to Well Fargo via their online payment system. Our total authorized payments to Wells Fargo Dealer Services is {$860.00} XXXX XXXX, XXXX sent a payment of {$500.00} to Wells Fargo which cleared our XXXX checking account. Wells Fargo verified that this payment was received. 
XXXX XXXX, XXXX sent another payment of XXXX to Wells Fargo which cleared our XXXX checking account. Wells Fargo verified that this payment was received. This is {$500.00} more than the total authorized with the XXXX XXXX and XXXX online payments. 
XXXX XXXX, XXXX sent a second payment of XXXX to Wells Fargo which cleared our XXXX checking account. This payment was not authorized by us. XXXX claimed this payment was made as a retry request from Wells Fargo. As of XXXX XXXX Wells Fargo claimed they did not receive this payment and would not have requested a retry unless a payment had not cleared. 
XXXX XXXX, Wells Fargo agreed to refund the {$500.00} XXXX XXXX payment they received. Wells Fargo said we would receive a check in 5 to 7 business days. 
XXXX XXXX, XXXX refunded to our checking account the XXXX XXXX XXXX payment that was sent to Wells Fargo and not received. 
XXXX XXXX, We received the check for {$500.00} from Wells Fargo and deposited to our XXXX XXXX account. This deposit was placed on hold by XXXX for up to 10 days. 
XXXX XXXX, XXXX notified us that the {$500.00} refund check from Wells Fargo is being returned and not deposited. 
As of XXXX XXXX, Wells Fargo has held {$500.00} that they were not authorized to receive and claimed to refund for 21 days. And we incurred a {$5.00} returned check fee from XXXX. 
Wells Fargo is holding money that is rightfully ours for their benefit.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally lodge a complaint against XXXX  XXXX XXXX for the unauthorized and fraudulent dissemination of my personal information to third-party debt collectors, in direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), codified at 15 U.S.C. 1692, and the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1602.. Without my confirmation or acknowledgment, sensitive personal details were exposed, leading to significant distress and a breach of privacy. 

Violation listed below : Fair Debt Collection Practices Act ( FDCPA ) Violations : Unauthorized Disclosure : XXXX  XXXX XXXX disclosed my personal information to third-party debt collectors without my permission. This unauthorized dissemination violates 15 U.S.C. 1692c ( b ), which restricts communication of a consumer 's personal information to third parties without consent. 
Harassment and Abuse : During my attempts to address these concerns with XXXX  XXXX XXXX, their representatives responded with laughter and dismissiveness. This behavior constitutes harassment and abuse, violating 15 U.S.C. 1692d, which prohibits conduct that is meant to harass, oppress, or abuse any person. 
False Representation : By sharing my information without authorization, XXXX  XXXX XXXX misrepresented the legal status of my debts and the nature of their business conduct, violating 15 U.S.C. 1692e, which prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt. 

Truth in Lending Act ( TILA ) Violations : Failure to Disclose Terms Accurately : XXXX  XXXX XXXX failed to provide clear and accurate disclosures regarding the terms of my credit, violating 15 U.S.C. 1602. This failure to disclose information accurately has significantly impacted my understanding and management of my debt obligations. 
Unauthorized Transactions : The dissemination of my personal information to third-party debt collectors constitutes unauthorized transactions and a breach of trust, further violating provisions under TILA that protect consumers from unauthorized use of their credit information. 

When I contacted XXXX  XXXX XXXX to express my concerns about these unauthorized actions and their detrimental impact on my credit report, I was met with dismissive and derisive responses from their representatives. Their unprofessional and callous behavior exacerbated my mental health issues, including anxiety and stress, which stemmed from this violation. The damage to my credit report has also caused considerable financial hardship, affecting my cost of living and ability to secure necessary credit. 

I urge the CFPB to investigate this matter thoroughly and hold XXXX  XXXX XXXX accountable for their actions, ensuring that such breaches of consumer rights and privacy are prevented in the future. 

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

While checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2021, ( See Attached ), I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Debt collection

I have visible debt collection which was paid in full on XXXX the amount of {$120.00}. I have mailed letter from XXXX of my account balance {$0.00} to the XXXX. Three years later my credit report still shows unpaid ballance. Please resolve this issue so that my account will be clear of any collections. 
Attached please see documents from XXXX and to XXXX proving my payments. 

Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Subject : Dispute of Account Information - Request for Validation Account # : XXXX Dear Sir/Madam, I am writing to formally dispute inaccurate information reported on my credit report with both XXXX and Experian. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification and validation of the reported information. The account in question is listed as follows : Account Details : Account Number : XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code : Individual Account Status : Closed Monthly Payment : {$54.00} Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Balance : {$770.00} No. of Months ( terms ) : XXXX High Credit : {$770.00} Credit Limit : {$300.00} Past Due : {$80.00} Payment Status : Late 60 Days Last Reported : XX/XX/XXXX Comments : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber Date Last Active : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Date of Last Payment : XX/XX/XXXX Two-Year Payment History : | Month | XX/XX/XXXX | XX/XX/XXXX | XXXX XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | | XXXX | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | | Experian | XXXX | XXXX | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | According to the FCRA, Section 611 ( 15 U.S.C. 1681i ), I am requesting that you provide me with the following : Validation of the Account : Detailed verification from the original creditor regarding the accuracy of the reported information. 

Verification of the Reporting : Proof that the account was reported accurately and in compliance with the FCRA. 

Deletion of Inaccurate Information : If the information can not be validated, I request that it be removed from my credit report immediately. 

Please conduct a thorough investigation of this disputed information and provide me with the results within the 30-day timeframe mandated by the FCRA. 

Enclosed, you will find a copy of my credit report highlighting the disputed account for your reference.
Product: Student loan

ive attend the XXXX a `` tech sell '' school to do cold calls for data companies long story short they said students didn't have to pay if they dont get a job as a " tech sell '' in tech companies. 

I didn't get a job and still haven't gotten a job working for any tech companies theirs also a lot of " white lies/ false advertisements " they advertise as they said XXXX a year with a commission, but no companies were offering that. 
it's XXXX plus commission so " technically '' YOU CAN MAKE UP to that or more. 


ive done 8 XXXX  interviews and a few day 's trials for a few companies as trainees noting work and I felt very XXXX for not landing any jobs in over 8 months after the XXXX XXXX and getting rejected on how my voice sounded on some I just dont think this type of thing is for me.
Product: Credit card

I used the card in XXXX, XXXX. I was billed for a charge in XXXX, XXXX which is XXXX miles away on the same day. This was on XX/XX/year> for {$460.00}. It was never implied that I had done anything wrong other than give my card to a store clerk. I was informed that if the clerk had used my card without my permission, I was still responsible for the resulting charge. I have made repeated calls regarding this matter only to be told by the last supervisor that I spoke with that she was as high up on the ladder as I was ever going to get. Case closed! The account was closed by Capital One and I was to be issued a new card. I cancelled the new card because I decline to do business with them. I only have the last four digits of the new account because I don't have a new card and those are the only account numbers on the paperwork that I receive.