23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They keep mailing me now for months and months saying I owe a debt which I do not. They call my cell phone AT LEAST 6 times per day. I have reached out to them via email and told them FOUR TIMES this debt does not belong to me but they continue to harass me. Today, they called my work, I told them to stop calling me, got a manager on the phone who proceeded to argue with me AFTER I told him to stop calling. I emailed them again immediately after the call and told them that I will be retaining a lawyer for abuse, fraud and harassment. The company is Caine & Weiner
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute against XXXX and Equifax for failing to properly investigate and validate my disputes regarding inaccurate information on my credit reports. Despite my written requests for validation under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, XXXX XXXX XXXX did not provide the necessary documentation. Furthermore, XXXX, Equifax, and XXXX have continued to report these unvalidated accounts, causing significant harm to my credit score and financial standing. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate these violations and take appropriate action to ensure that my rights are protected, and the inaccuracies are corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN IN XXXX XXXX FOR OVER XXXX YEARS, DURING THE COURSE OF MY XXXXXXXX XXXX, SOMEONE HAS BEEN USING MY IDENTITY AND PERSONAL INFORMATION TO OBTAIN GOODS AND SERVICES USING MY PERSONAL INFORMATION. THERE ARE MANY FRAUDULENT ACCOUNTS THAT ARE CURRENTLY REPORTING ON MY CREDIT REPORT, I HAVE DISPUTED THEM MANY TIMES AND THE CREDIT BURURES KEEPS REPORTING IT BACK TO ME AS AN ACCURTE AND VERIFIED, THE QUESTION IS HOW ON GODS GREEN EARTH IS IT VERIFIED WHEN AT THE TIME THE ACCOUNTS WERE OPENED I WAS XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX I KEEP ASKING FOR PROOF OF THE DOCUMENTS AND I STILL HAVE NOT RECIVED ANYTHING TILL THIS DAY! ..ALL THESE FRAUDLENT ACCOUNTS ARE LINKED TO FRAUDULENT ADDRESS, FRAUDLENT PHONE NUMBERS, FRAUDLENT EMAIL ADDRESS ETC ETC, NONE OF THERE INFORMATION MATCHES MY INFORMATION EXCEPT MY SS # AND MY D.O.B, I WOULD LOVE TO HAVE THE OPPORTUNITY TO HAVE A FRESH START IN LIFE AND PUT ALL THESE PROBLEMS AND ISSUIES BEHIND ME. 
PLEASE HELP ME RESOLVE THIS ISSIUE. 
THANK YOU. 
XXXX
Product: Credit reporting

I 'm part of a class action suit that was won which Experian refuses to honor : I was supposed to get free credit scores and monitoring since at least XXXX. I will provide the case number and attorney info no later than next week. 

In the meantime, Experian has prevented Credit XXXX from getting my report and score. All info that I have provided to XXXX in XXXX has been exactly what I have given Experian when I obtained my free credit report today ( XXXX/XXXX/XXXX ). When I again tried CS today, they could not get my report or score. Additionally, Experian has listed a XXXX CARD ( XXXX .... ) account for {$440.00}. that appears to have been disputed back in XXXX XXXX XXXX 8 1/2 years ago? )
Product: Money transfer, virtual currency, or money service

In XX/XX/year>, I was contacted by someone on XXXX who introduced me to crypto.com and XXXX trading. They guided me through a series of transactions, starting with depositing money into my bank account. I was then instructed to purchase crypto.com assets, transfer the funds to a bank account they provided, buy bitcoins, convert them into XXXX, and deposit the funds into a XXXX XXXX for trading or betting purposes. 

They continuously urged me to deposit more funds, promising higher returns. Unfortunately, after investing approximately {$31000.00} ( plus bank fees ), they disappeared, leaving me with {$29000.00} in debt. 

I have already reached out to crypto.com to raise my concerns, but my request for assistance was denied. I am now seeking your help in this matter. 

Thank you for your prompt attention to this issue.
Product: Debt collection

After examining my credit report, I've observed inaccuracies and indications of fraudulent activity within the listed accounts.
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, Account name : # 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
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX XXXX - XXXX $ XXXX {$1.00}, INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

Honda Financial Services ( HFS ) is using coercive tactics to obtain payment of a bill that is not accurate. HFS sent threatening letter to coerce collection funds for a leased vehicle that was appropriately turned in and terminated 5 months prior to distribution of a bill by HFS. HFS states information was not received to close account through the mail, which is false ( information was mailed ). HFS acknowledged in subsequent letters that lease was terminated but needed documentation of registration termination or license plates turn-in -- license plate turn-in documentation was provided. When contacted through customer service representative ( XXXX on XXXX XXXX ), information was provided that a pro rata share of bill would only need to be paid. Such payment was made on XXXX XXXX. Documentation of payment and all other documents supporting closing the lease account were emailed to HFS service region at XXXX. Instead of responding to requests in email to ensure account was terminated after pro-rata payment was made, HFS on XXXX XXXX sent coercive letter stating balance was required even though period of the bill included time period that the leased vehicle was appropriately terminated and turned in and accepted as a turn-in by Honda.
Product: Bank account or service

Wellsfargo bank in Nj has token {$200.00} dollars from my account in XXXX and XXXX ofXXXX they also has taken {$20.00} dollars from my on today XXXX XXXX. I have reported them several times to there Corporate office in Nc. This is fraud and I had enough I do n't work hard for there employees to steal my money. My names is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a mortgage lender that pulls credit on my clients that contact me for their requests. 
The constant badgering of outside mortgage companies that contact our clients constantly with numerous calls a day is out of control. This practice of selling our client 's confidential information that the credit bureau is given should be illegal and should be considered the same as the medical industry 's violation of HIPAA.
Product: Debt collection

This company was awarded judgment against me in  XXXX . From that time until just  XXXX  weeks ago, they have NEVER notified me or attempted to resolve this issue, however they are now taking me back to court, and refusing to provide original debt records, or offer any assistance to pay/settle the debt, if it is mine.     I 've spoke with  XXXX  and  XXXX  who are both worthless.  XXXX  advised that if I did n't pay the balance in full they would be taking my paychecks in whole. The calls are recorded-so I demanded a copy of the records, which he advised " that 's none of my business ''.  XXXX  was no help either as again, they wanted me to make a payment just to show the judge that I did pay, however no payment has been done because I 've never received verification of this debt all the way from   XXXX   to  XXXX . You mean in  XXXX  years, you never tried to collect anything, but are wanting to take me to court? Verify the proof of debt and allow me an option to pay for it, as THIS has NEVER been done. I 've lived in the same city for the whole time and again they have NEVER communicated anything to me.
Product: Mortgage

Complainant belongs to a class of persons whom the Fair Housing Act ( the Act ) protects from unlawful discrimination because of race. Complainant sought to obtain information on a USDA loan through Respondent Wells Fargo Bank , National Association ( Respondent WF ), and Respondent XXXX XXXX XXXX XXXX ), Loan Officer, alleging he had been pre-approved through USDA Rural for {$260000.00} with $ O down-payment and wanted information on rates and loan amounts because all his banking accounts were with Respondent WF. The property he was looking at buying was located at XXXX XXXX XXXX, XXXX XXXX XXXX County ), South Carolina, and did not foresee any issues obtaining the loan through Respondents WF and XXXX. Complainant alleges on XX/XX/2021, he was told by Respondent XXXX that he did not qualify for a USDA loan, but did qualify for an FHA loan, with a {$16000.00} down-payment. Complainant alleges he did not understand why he was denied the USDA loan through Respondent WF and XXXX, because he alleged, he met all the requirements, hence the pre-approval. Complainant alleges on XX/XX/2021, he received an official letter of denial fom Respondent WF stating he did not qualify because of information obtained on his crcdit report. Complainant alleges he feels he was treated differently than non-XXXX XXXX applicants, because it was only after he answered the preliminary questions about his race that he received the denial from Respondent XXXX and believes if he were Caucasian that he would have been approved without any issues. XXXX further alleges he contacted Best Life Mortgage and was approved for the USDA loan at {$320000.00}. XXXX feels discrimination occured against him bccausc of his disclosed race in violation of the XXXX.
Product: Credit reporting or other personal consumer reports

A company I have never heard of ( Concord Servicing LLC ) is reporting late payments on a " XXXX XXXX' account that I know NOTHING about. The whole thing looks made up because according to my credit report, the account is " Paid, was past due 90 days '' but the DATE OF LAST PAYMENT is XX/XX/XXXX and LAST REPORTED DATE is XX/XX/XXXX. If it was 90 days late why aren't those two dates the same? I'm pretty sure this company is bogus and is just trying to force good people into bad situations.
Product: Student loan

I have made four additional payments over the last four months on my student loans. This is in addition to my regular scheduled auto-payments that debit from my checking account every month. After I made the first additional payment I received an email stating that my next auto-payment due date was moved even though I indicated on the website that this was meant to be an additional payment towards the principal of the loan. I then called Navient and they stated that I would need to call them every time I make an additional payment to make sure that my regular auto-payment would stay on schedule and that my additional payment would go towards the principal. I have called with all four payments, but when I look at my payment history online I can see that interest is being taken from my additional payments, so I'm not sure what is going on. Navient has taken advantage of me in the past, so I want to be sure that my interest is being calculated appropriately. No one should have to call every month to ensure their payments are applied correctly. Doing things over the phone is how Navient took advantage of me in the past since I had no proof of our conversations.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX was told to delete account from report instead they have left this account as closed reporting negatively on my credit see attached image from a previous complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GAXXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX bankruptcy dischargedDate Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX {$690.00}, XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$0.00}, XXXX XXXX ( Original XXXX : XXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$4000.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$970.00}, XXXX XXXX XXXX : {$12000.00}, XXXX XXXX XXXX  XXXX XXXX : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I purchased a kitten on XX/XX/XXXX from an online breeder. Sadly, it turned out to be a scam. The kitten was and transportation totaled {$1900.00}. After months of fighting for any information from my bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has now disclosed that the funds sent via XXXX went to a Wells Fargo account. XXXX XXXX XXXX is stating that Wells Fargo refused to provide the funds back or freeze the funds even after Wells Fargo was informed that they were scam funds. As this is scam and the kitten was not shipped, Wells Fargo should have provided the funds back to XXXX XXXX XXXX or at least frozen them until such time as an investigation could be done. They were notified before I told the breeder I had figured out this was a scam and so the chance of recovery was lost when Wells Fargo declined to freeze or investigate. Due to Wells Fargos lack of action, the funds at this point will not be recoverable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I disputed inaccuracies and derogatory information on my personal credit report with XXXX, Equifax and XXXX. I have waited the 30 day customary time frame given the credit bureaus by law and have not received a response from these companies at all. This incorrect reported information is drastically effecting my lively hood as well as my life as a whole. I have mailed to XXXX, Equifax and XXXX failure to respond letters prior to filing this complaint. Any assistance in getting these issues rectified as soon as possible would be greatly appreciated. Thank You.
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up on Dispute Submitted on XX/XX/year> Failure to Conduct Reasonable Reinvestigation Complaint In Reference # XXXX I am writing to follow up on the dispute I submitted to you on XX/XX/year>, regarding inaccuracies and unresolved items on my credit report. To date, TransUnion has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) by failing to conduct a reasonable reinvestigation of the disputed information. 

As outlined in my previous letter, I provided substantial evidence that the accounts in question contain inaccurate or unverifiable information. Despite this, TransUnion has neither corrected nor removed these disputed items, which has resulted in continued harm to my credit standing. This failure to properly investigate and resolve the disputed accounts is a direct violation of federal law, as outlined in the FCRA. 

Additionally, the systemic issues identified by the Consumer Financial Protection Bureau ( CFPB ), including failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and inadequately notifying consumers of dispute outcomes, are evident in my experience with TransUnion. 

The specific accounts I am referring to are : XXXX XXXX Account number ( partial # XXXX ) Inaccurate Late Payments ( Please Remove ) XXXX  XXXX Account number ( partial # XXXX ) Inaccurate Late Payments ( Please Remove ) XXXX XXXX All Accounts Not My Accounts ( Please Remove ) XXXX  Account number ( partial # XXXX ) Inaccurate Late Payments ( Please Remove ) I request that you take the following actions immediately : Conduct a thorough and reasonable reinvestigation of the above-mentioned accounts, ensuring that any inaccuracies or unverifiable accounts are removed or corrected. 
Provide me with a formal response detailing the steps taken to resolve the dispute and the evidence reviewed. 
Confirm that TransUnion has complied with the legal requirements under the FCRA and that all future disputes will be handled in a timely and appropriate manner. 
Please treat this as a final notice. If TransUnion fails to act within 15 days of receiving this letter, I will file additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and may pursue legal action to seek redress for the continued harm caused by these inaccuracies.

I expect immediate and appropriate corrective action. Kindly confirm receipt of this letter and provide a written response promptly.
Product: Money transfer, virtual currency, or money service

I have a recurring monthly automatic purchase of {$100.00} to a vendor setup in Paypal. For the month of XXXX and XXXX the payment was charged to the Paypal XXXX, which was authorized. But for the month of XXXX, PayPal charged my Checking account instead of Paypal XXXX. 

I tried calling paypal to find out why the payment method was changed, and they claim that the payment was denied by the Paypal XXXX. However, Paypal XXXX claims that they do not see any purchase attempt or denial. 

I tried calling Paypal multiple times and was transferred back and forth between Paypal and Paypal XXXX services. Paypal did not provided me why the authorized payment method was changed from Paypal XXXX to Checking account on a recurring purchase.
Product: Debt collection

I get constant calls from ERC ( XXXX ). We owe no debt aside from home mortgage ( which is paid on time ). ERC calls are on a daily or weekly basis.
Product: Vehicle loan or lease

Affordable auto finance! I bought a vehicle from them XX/XX/XXXX! I was sold a vehicle that had multiple recalls for electrical issues that can cause fire! XXXX XXXXXXXX XXXX XXXX XXXX  caught fire! Affordable auto finance was notified and they have the vehicle! I DO NOT HAVE THE VEHICLE, I DO NOT EVEN KNOW WHERE THE VEHICLE IS LOCATED! From XX/XX/XXXX Affordable auto finance has me down for XXXX missed payments and charged me over {$7000.00} interest for a vehicle I DO NOT HAVE they have! Vehicle has not been repossessed, reported stolen nothing. I called them asked them why are they charging me for vehicle I do not have that they have when I asked where the vehicle was they wouldnt even tell me! But charging me for a vehicle I do not have they have XXXX missed payment and XXXX XXXX interest! They were notified about the vehicle and they have the vehicle but still charging me for a vehicle I do not have XXXX missed payments and over XXXX XXXXXXXX interest! XX/XX/XXXX was my last payment, also when vehicle caught fire and they were notified and they have the vehicle! I do not have the vehicle nor do I know where the vehicle is at! I would like this removed off my credit profile this is FALSE AND INACCURATE reporting on my credit report.
Product: Debt collection

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX  whose collection agency Viking Client Services is reporting a collection amount of a {$3800.00} balance. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX XXXX XXXX XXXX  respectfully. Thank you in advance for your attention to this matter.