23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I got a call threatening if I didn't call back they'd start legal proceedings. I called back and a lady said that I owed Wachovia/Wells Fargo about {$1500.00} from my old checking and savings account there. She could have said credit card debt, I'm not sure. 

I took my money out of Wachovia after its XXXX meltdown, so I presume the lady was talking about then or before. Almost 12 years after the event! I know I had no credit card then because I got the first credit card of my long life ( I'm now XXXX ) in about XXXX, from the XXXX XXXX XXXX. 

Nor do I see how I could have obtained {$1500.00} from XXXX any other way. When I moved my money no-one said anything about owing. Anyway, the women threatened me giving me my correct social security number and my current address. It felt like a mafia shakedown, especially given the perfidy of both Wachovia in its subprime bundled mortgage scam that helped bring down the world economy for so long, and Wells Fargo 's creation of many accounts not requested by their customers.
Product: Money transfer, virtual currency, or money service

Dear Sirs, I have the honor to very respectfully report the acts of a criminal organization witch members are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( probably a fake name ), a company that issues fake loans ( doc # 1 attached ) 2 / XXXX XXXX XXXX  represented by XXXX XXXX XXXX XXXX XXXX, a company that endorses those fake loans by supposedly insuring them ( doc # 2 ) 3/ XXXX XXXX XXXX XXXX XXXX which collects the funds from this scam ( doc # 3 ). 
I was a victim of this criminal organization which stoll me about XXXX dollars ( XXXX euros ) ( doc # 4 ). 
So that shuton cash loan has granted me a fake loan of XXXX dollars ( doc # 5 ) and has insisted that I insure this fake loan with royalland insurance org ( doc # 6 ) royalland insurance org told me that I have to pay XXXX dollars for this insurance ; but i have refused. 
A XXXXXXXX XXXX loan  agent named XXXX XXXX, XXXX - XXXX XXXX. XXXX XXXX XXXX. ( probabely a fake name too ) then enters the scene to supposedly help me. 
He had offered to lend me half of the XXXX dollars of the false insurance in XXXX ( doc # XXXX ). 
and because this insurance demands that I mandatory pay it in XXXX he had given me his account so that I can wire the money into it ( doc # 3 ). 
Finely I had paid XXXX dollars to the indicated account ( doc # 4 ) and had obtained the fake insurance certificate ( doc # 8 ) but no credit was released to me. 
XXXXXXXX XXXX XXXX then asked me to deposit XXXX dollars to activate this fake loan ( doc # 9 ) that makes me understand I was the victim of a criminal organization. 
With Respectful greetings.
Product: Debt collection

Allstate credit bureau is not the original creditor of this account. This account is old, and they refused to provide more information. This is not correct. They updated because they had the wrong amount the first time and then got the documentation from the ORIGINAL CREDITOR, which is the credit union. I request that it be moved at once. I report them to the IRS for fraud and file a lawsuit for defamation of character. I did NOT open anything with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX should not be reporting to XXXX ; XXXX  and Transunion that I am ( XXXX ) days late on the XXXX  XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account is on auto-pay and therefore there has never been a missed payment. I have attached a copy my account payment history for reference. This false reporting of lates is seriously harming my credit score and these line items need to be updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information. I have contacted the bureaus to fix this however, I have not been successful.
Product: Debt collection

I am writing to file a formal complaint against Spring Oaks Capital , LLC for engaging in debt collection activities in the state of Alabama without the proper licensing. According to my research on the XXXX  XXXX XXXX XXXX XXXX XXXXXXXX  ), Spring Oaks Capital , LLC does not have the required license to operate as a debt collector in Alabama. 

On XX/XX/year>, I was contacted by Spring Oaks Capital , LLC regarding an alleged debt. Despite their communication, I have confirmed that they are not licensed to collect debts in my state, which I understand is a violation of Alabama law and federal guidelines under the Fair Debt Collection Practices Act ( FDCPA ). Their actions raise serious concerns about their compliance with legal requirements. 

I am requesting that the CFPB investigate this matter to determine if Spring Oaks Capital , LLC is violating consumer protection laws by attempting to collect debts in Alabama without the appropriate licensing. Their failure to comply with licensing requirements not only undermines consumer rights but also places undue stress and potential harm on consumers in my state. 

Attached to this letter are the following documents for your review : Copies of correspondence I have received from Spring Oaks Capital , LLC. 
A screenshot or printout from XXXX XXXX XXXX showing their lack of licensing in Alabama. 
I kindly ask for your assistance in addressing this issue and ensuring that Spring Oaks Capital , LLC is held accountable for any violations of federal or state laws. If further information is required, please do not hesitate to contact me. 

Thank you for your attention to this matter. I look forward to your response.
Product: Debt collection

The apartment complex was deemed unfit living conditions at the time of occupancy by the housing authority. I gave the apartment complex manager a 14-30 notice that the legally had 14 days to fix the living conditions and they did not so I also handed in a notice of vacancy and discussed with the manager that the original deposit would cover the rent and the next month. I was never served any eviction notice in that time and have the documentation stating I was also agreed upon vacating the premises due to unfit living conditions as well as documentation of the living conditions not being fixed within the 14 days once given notice.This was sold to a third party company who has never provided the original contract when asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to have Experian update my Name and address to be accurate but they refused to update it after my attempts. My tracking numbers are XXXX and XXXX. 

Experian refused to correct information after being provided proof. 

They also violated my rights under FCRA Section 623 ( a ) ( 1 ) ( C ) - says that you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. 

XXXX. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing 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.
Product: Debt collection

I wrote ECMC on XXXX asking for legal validation of this debt. It has been 30 days and they have not responded.
Product: Credit card

I am writing to express my profound concern and dissatisfaction regarding the data breach that occurred at American Express which compromised the personal information of millions, including myself. 

As a consumer, I trusted AMEX to securely handle my sensitive information. However, the breach has exposed me to potential risks, including identity theft and financial fraud. Disturbingly, I have discovered that my information is now circulating on the dark web, exacerbating my fears of misuse. 

This situation has significantly affected my mental well-being, causing considerable stress and anxiety over the potential misuse of my personal data. The uncertainty and vulnerability I feel are deeply unsettling, impacting both my personal and financial security. 

Given these circumstances, I request that AMEX provide clear information on the steps being taken to prevent such breaches in the future, as well as the measures in place to protect affected individuals. I also seek guidance on how to monitor my credit and protect myself from any misuse of my personal data. 

Furthermore, I urge AMEX to offer free credit monitoring services and identity theft protection for an extended period, ensuring that affected consumers like me are safeguarded against any long-term impacts. 

I look forward to your prompt response addressing these concerns and outlining the actions AMEX is taking to rectify this situation. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I recently checked my credit and notice accounts that are not mines. These accounts were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have notified the credit agencies that I was a victim of identity theft. Equifax is the only credit agency that has not complied with the rules and regulation to remove the Time Payment account from my credit file. Please help me in getting this matter resolved.
Product: Vehicle loan or lease

XX/XX/2021 I filled out an online preapproval application with XXXX XXXX XXXX. On XX/XX/2021, I received a denial letter from American Credit Acceptance stating that XXXX forwarded my personal information to them. I do not know who they are and I never gave them my personal information. This company did not have my permission to get, keep, or review my personal information. I have a right to privacy pursuant to the FCRA. They also violated the FCRA by leaving an inquiry on my consumer report. This company also violated 15 USC 1602 ( g ) by denying me something that only I can extend. I am the consumer, natural person, and original creditor. Pursuant to 15 USC 1602 ( f ) credit means the right granted. 15 USC 1602 ( l ) states that a credit card means ANY CARD. That card is my Social Security Card. 15 USC 1602 ( f ) shows that credit means the right granted by a creditor. All of this means that only the original creditor ( me ) can extend credit with my credit card. On XX/XX/2021, I filled out an identity theft report on this company for the fraudulent activity theyre performing. They are acting like theyre the original creditor and thats false and deceptive because their title is lender.
Product: Debt collection

In XXXX, I sent a debt validation to Midland Credit Management asking them to validate a debt they say I owe. I also sent a follow up letter reminding them that they have not answered the original request. As of today, they still have not validated the debt. Documents of the correspondence are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THI IS NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I have been receiving text messages nonstop, every single day from Resurgent Debt Collector, I have replied asking them to please stop texting my phone but to no avail. This has gotten in the way of my workday because I get text messages non-stop. I need this to stop, or I will see what legal actions I can take.
Product: Credit reporting or other personal consumer reports

For months now Ive been trying to get information and asked them to investigate this collection ( ( XXXX credit Bureau ) ) on all XXXX credit bureaus. 

The credit Bureaus told me that all the information was verified but with trans union dates were wrong from the beginning and also much different with different addresses. Also the last date updated on all XXXX bureaus are inaccurate, last date accurate not reported.

They also violate my rights under 15 U.S.C 1681 section 604 A The law is stated that a consumer reporting agency cant be furnish a account without my written instructions I havent given those accounts written permission to furnish that account on my credit report as well I started this with CFPB for investigation on XX/XX/2023. 
It hasnt been updated since XXXX.
Product: Credit reporting or other personal consumer reports

Per attached screenshots, this is in regards to DEPT OF ED/XXXX as reporting on my credit reports. Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on XXXX, XXXX on TransUnion, XXXX on XXXX. Kindly see screenshots for proof. 

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

XXXX XXXX XXXX. TRANS UNION CORPORATION ( XXXX XXXX " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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. '' Much XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted our application XX/XX/2022 and the background verification company that conducted the screening was Resident Verify located at : XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX. 

Per FCRA requirement, your credit score and contributing factors are included below.

- you have too many delinquent or derogatory accounts - too many installment accts with a delinquent or derogatory payment status - the date that you opened your oldest account is too recent - lack of sufficient relevant real estate account information I was instructed by the property manager ( who was very rude ) to contact the company who ran the background check, Resident Verify located at : XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX the actual rental screening company. I was not aware of a XXXX XXXX and was not informed this would be used as a method for approval or denial. 

I called When is data updated? Where is the data being pulled from to come to a determination of denial? etc. I have been paid my rent on time for the last 5 years. 
What is showing different from the information on our credit reports from XXXX, XXXX, and XXXX XXXX that we monitor daily and through each individual credit union. We were told to contact XXXX to find out. The letter clearly states the '' Credit reporting agency does not make the determination. '' The screening company avoided explaining the denial and would not provide more detailed information, as a consumer I have the right to know what is being reported against me after giving my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company MIDLAND CREDIT MANAGEMEN Original Creditor XXXX XXXXXXXX XXXX XXXX has continually adding illegal fees, I have already file a complaint on this account to the bureaus and to the company but they never responded to my request.
Product: Student loan

The loan repayment process has been a long painful struggle. When applying go my federal, non-Federal, and Navient loans it was not made clear on what is expected of the borrower and payment process. When initially applying for loans, it was not noted nor was I informed that the loan would be broke up into many smaller loans. The interest rates for the loans have been so high that even paying the bare minimum does nothing on the principle balance. I have tried to make my payments and have applied for forbearance 's when struggling but my principle balance and interest continues to grow. When looking at my accounts, it is completely confusing to understand the loan process. Since I have had to apply for forbearance 's, my interest has added XXXX dollars to my loan since graduating. When applying for repayment plans for certain lengths of time, the long-term actions of the borrower is made unclear. When the repayment process is over, the loan payments and interest rates skyrocket to make paying the monthly amounts unrealistic. I recently have been paying monthly on my loan, however I keep getting calls several times a day about non-payment. When I call and talk to a person, I keep getting different answers and nobody seems to really give me an answer. Last time I called, the person told me that I have not been making payments and there is no record of me making payments, however it have been debited from my bank account for several months. The whole process is overwhelming and I know I will never come out ahead.
Product: Credit reporting or other personal consumer reports

XXXX : XXXX XXXX XXXX$1200.00}, XXXX XXXX  {$150.00}, XXXX XXXX {$1400.00} XXXX XXXX {$2300.00} XXXX {$0.00} Closed charge off XXXX {$0.00} closed charge off XXXX {$0.00} closed chargeoff XXXX funding {$1300.00} XXXX XXXX {$6200.00} XXXX XXXX  {$960.00} XXXX {$110.00} XXXX XXXX  {$940.00} XXXX XXXX {$120.00} INQUIRES XXXX ca XX/XX/23 XXXX XXXX of XX/XX/23 XXXX  XX/XX/23 XXXX XXXX XX/XX/23 XXXX ca XX/XX/23 XXXX XX/XX/23 XXXX XX/XX/23 XXXX auto XX/XX/23 XXXX XXXX XX/XX/23 XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XXXXXX/XX/23 Equifax : They were the first ones that we filed suit against and won and they have completely wiped out my credit report instead of putting what was approved by them and myself on my reports. They have taking all of my positive things off and wiped it out. I have the lawsuit paperwork and the credit report that was corrected for proof. 



XXXX, XXXX XXXX  {$150.00}, XXXX XXXX XXXX was sued and we won and that is not suppose to be on my credit file {$7700.00} XXXX XXXX XXXX {$0.00} is not suppose to be on my report at all. XXXX bank I filed suit and won and it is still showing on my report XXXX funding {$1300.00} Credit collection XXXX XXXX {$120.00} INQUIRY : XXXX XXXX XXXX XX/XX/23 XXXX XXXXl XXXX XXXX XX/XX/23 XXXX XXXX XXXX XX/XX/23 XXXX XXXX OF XX/XX/23 I have filed suit and won against all three credit bureaus and they still are not corrected and holding all of the above on my credit reports, most of the creditors as well were sued and lost against me and agreed to have all removed. This has been well over a year ago and nothing has yet to be done. All companies are in breach of contract/ and I will take all back to court
Product: Debt collection

CREDIT COLLECTION SERVIC Account XXXX Understand, this letter does not serve as a refusal to pay, but official notice that your claim is disputed. Under the Fair Debt Collection Practices Act ( FDCRA ), I have the full legal right to request validation of any debts I am claimed to owe.

I am formally asking for proof that I am in fact the party required to pay this debt. I am also requesting proof of a contract in place that binds me to this alleged debt.

I want to be clear that I am not requesting verification. I am formally requesting VALIDATION as outlined in 15 USC 1692g Sec 809 ( b ) of the Fair Debt Collection Practices Act. Pursuant to this section of US Code, I have the full, legal right to request validation of any debts I am claimed to owe. I am requesting your agency send me acceptable proof of validation within 30 business days. An alleged contract is NOT acceptable proof of validation. 

In the event you can produce such documentation, I will require 30 business days to process said documentation. During this time, all collection activity MUST be paused and credit report remover inmediately. Please note that noncompliance of this request constitutes as a clear violation of the FDCPA. If such a violation should occur, my legal team has no problem pursing complaints with the FTC, CFPB and any other legal action necessary. 

Provide the following information : An agreement between your agency and the original creditor showing that you are authorized to collect this debt on their behalf. 
Original agreement between the alleged debtor and the original creditor showing where he/she agreed to payment terms.

Amount of commission paid to debt collector if debt collection is successful.

Name and address of original creditor.

Address on file for the alleged debtor.

Send copies of all documentation requested in the above section within 30 business days and allow 30 business days for processing. Again, this is a formal request for validation made pursuant to the Fair Debt Collection Practices Act. Any non-compliance of this request will be met with legal action. 

XXXX XXXX
Product: Checking or savings account

My debit card and phone was lost There was purchases on a crypto currency site using my card in XXXX When the first set of transactions posted they gave me a provisional credit and told me when the second set post call back to make a claim which I did and they denied me i reached out to the site where the purchase was done who confirmed that it was not done by me and told me to start a charge back in which thats the only way they can pay me back because its a crypto currency site and they have certain rules to follow