23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt has been disputed already from a previous debt collector which is through XXXX XXXX XXXX. I clearly told XXXX XXXX XXXX. That the debt isnt validated with my original signature. They just sent a bunch bill statements through XXXX. 
I went ahead and sent a letter to XXXX XXXX XXXX. That it is being disputed, and let them know that they werent authorized to pass this debt to anyone else since it was being disputed. 

XX/XX/XXXX The Moore Law Group LLC. company is trying to collect this debt. First they sent me a letter advising me that they are trying to collect a debt and that I have 30 days to respond. 
I then respond and request a debt validation letter, they send me a packet of papers with bill statements. Not actual proof that the debt is indeed mine. There is no signature of mine just my information which is my name, address, and an account number with an amount owed. 
XX/XX/XXXX I receive a intention to sue and incur court costs. 
THIS DEBT HAS BEEN DISPUTED. 
THEY HAVE NO REAL PROOF, or that I signed.
Product: Payday loan, title loan, personal loan, or advance loan

I called XXXX XXXX XXXX on XX/XX/XXXX to take out a loan of {$1200.00} and gave them my information and bank account information for approval. I was assigned account number XXXX was told my monthly payment would be {$570.00}, no interest rates were discussed or agreed upon by myself since it was never disclosed. I assumed Id make 2 payments of {$570.00} plus an additional fee to close the loan. I called XX/XX/year> to confirm the payoff amount and was told I had 14 more months of paying {$570.00} which is a total of {$7900.00} plus the {$1200.00} I borrowed for a total of {$9100.00} payback on a {$1200.00} loan. I was not aware of this and it was not disclosed to me otherwise I would not have borrowed the {$1200.00}. Im a XXXX XXXX  in a fixed income and just lost my husband. This illegal loan would bankrupt me.
Product: Debt collection

American Express isn't the proper creditors as of XX/XX/2023, American Express has sold the debt of {$1400.00} to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX # XXXX Account number : XXXX Debt validation letter
Product: Bank account or service

A billpay transaction on XXXX XXXX, XXXX was not received by the payee after 11 days and I asked Keybank on XXXX/XXXX/XXXX @ XXXX to stop payment on the transaction and reverse the charges replacing the funds in my account. During my call with the Rep I was never advised of the {$34.00} service charge nor did she request authorization to debit my checking account. She did not say there is a charge and do we have permission to debit your checkling account. I advised Keybank the same day on XXXX that to me this is a UDAAP issue but they ignored my complaint. To me thus is a pattern of failure to advise the customer and provide them the opportunity to agree or not to the fee or direct the bank to which account to debit the fee. Their failure to advise my checking account would be debited may have resulted in an overdraft of funds. I am one of the lucky ones who signed up for alerts on my account.
Product: Debt collection

Since XX/XX/2019 I have received countless spam and harassing calls from Portfolio Recovery. Theyve called me with fake numbers using my area code, leaving voicemails with loud clicks/hangups, leaving messages that I will be federally prosecuted if I dont make a payment, and so forth. 

Before, it was to the point where they would call 3 or more times a day before, during and after XXXX. As of now theyre spam calling me Tuesdays, Wednesdays, Fridays, Saturdays, and occasionally some Sundays. 

Every few days I have to temporarily deactivate my voicemail to put a stop to this nonsense from Portfolio Recovery. 

In total Ive had to block about 300+ of Portfolio Recovery fake numbers. 

I dont know who these people are as theyve never left a detailed description of what debt I owe, an account number, or the company theyre representing on behalf of the debt.
Product: Checking or savings account

Cardholder made a fraud claim because the cardholder himself, including his wallet, was in the custody from XX/XX/2021, until XX/XX/2021, and he did not know that until the overdraft protection kicks in.
Product: Credit reporting or other personal consumer reports

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

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Transunion is governed by 15 USC 1681, and they have violated my rights numerous times. I demand that the accounts listed below be removed because ; According to 15 USC 1681 : I have the right to privacy and I did not give Transunion written permission to furnish these accounts. 
Furthermore, These accounts are products of identity theft, under 15 USC 1681b ( C ) : Furnishing reports with credit or insurance transactions that are not issued by the consumer ( 3 ) information regarding inquiries, A consumer reportimg agency shall not furnish to any persons a record of inquiries in connection with credit or insurance transactions that is not initiated by ( ME ) the consumer. 
15 USC 1682c ( 2 ) " BLOCK OF INFORMATION RESULTING IN IDENTITY THEFT '' I have called and spoken to supervisors at transunion consumer reporting agency to address this matter and have been, disrespected, when i have tried to have them to remove these false accounts and inquiries. They have continued to violate my rights under the FAIR CREDIT REPORTING ACT. 

These accounts are a product of Identity Theft : 1.XXXX XXXXXXXX XXXXXXXX XXXX XXXX Acct # XXXX 2.XXXX XXXXXXXX XXXX, Acct XXXX XXXX 3.XXXX XXXX XXXX, Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled this in full in XXXX, us bank shows I didnt so I sif again XX/XX/XXXX with XXXX XXXX and they sent me a letter confirming this. I called XXXX  and they said it didnt matter, they needed confirmation from us bank that it was sif and XXXX base came back that way and didn't see any of that information which is incorrect.
Product: Checking or savings account

On XXXX, 2024, Chase bank pulled a payment for XXXX XXXX from my bank account for the total of XXXX. This was expected as Chase pulled automatically for this bill monthly. However, being that it was XXXX, I was stretched a bit paying bills. I did not want to pay the overdraft fees for this, so that very same day, I promptly put XXXX back into m bank account to cover that bill, and then some. Even though Chase did not process my payment until the next morning. I do not understand why this happened though, as I put money into my account early in the day and well within the XXXX grace period of bringing my account up to date. Now a few days later, my account unfortunately went negative again. My husband got paid within XXXX of the other XXXX payments that pulled that I was charged for. XXXX fee was for a XXXX payment if XXXX, and the other was for a XXXX payment for XXXX. On XXXX, XXXX, I was shocked when I got hit with overdraft fees for XXXX XXXX. I expected XXXX overdraft fee from the XXXX payment overdraft, but not for the XXXX XXXXXXXX payment, in which I specifically made sure to put money in my account the same day for in order to cover that bill. That is just wrong and greedy on Chase banks end. How desperate is this bank. How can they charge me an overdraft fee for a payment that I made the same day, when it clearly states on their website that you have until XXXX XXXX, the next business day to avoid overdraft fees in which I had clearly brought my account up to date well within that time frame regarding the XXXX XXXXXXXX payment.
Product: Checking or savings account

Im filing a complaint with CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other deposits. Capital One has sited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation has raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I write today as a highly distressed, XXXX U.S. Consumer, after recently reviewing my credit report and noting an egregious amount of misinformation on my credit report most of which are now in dispute per tradeline. You will note my distress, when upon pulling my credit on or about XX/XX/XXXX, I noted several unauthorized accounts reflecting on my credit report, as well as several accounts at or near the legally required Age-off ( 5-7 years ), which are still reflecting on my Credit File. My emails and requests for urgent assistance continue to go ignored, meriting immediate and direct contact at this stage! 

To date, please be advised that I have requested the removal of several ( 10-20 ) either unauthorized or inaccurate items reflecting on my Credit Report including but not limited to : I. Multiple erroneous collection accounts ( XXXX XXXX XXXX, XXXX XXXX, etc ) XXXX. Multiple accounts which are past due or nearing the legal requirement for aging off of my report ( 5-7 years ) : XXXX Accounts, XXXX, and several collection accounts per original creditors Date of First Delinquency ( XXXX ). 
XXXX. Multiple unauthorized inquiries related to auto loans, between XXXX - XXXX, XXXX. 

Please contact me urgently and immediately to aid in the immediate removal of the aforementioned items in question, prior to commencing a Grievance with the following agencies : I. Attorney General Public Inquiry Unit II. Federal Trade Commission ( FTC ) III. Consumer Financial Protection Bureau Enforcement Investigators IV. Local media Consumer Investigative Producers & Reporters to aid in urgent resolution Please be advised that it is grossly unacceptable that the reporting agency continues to arbitrarily deny my disputes and request for removal of these items, pursuant to FCRA & FDCPA. This matter is extremely time urgent, and merits urgent remediation at this level prior to any and all aforementioned Civil and Consumer actions. I have resisted several times to have an Executive level case manager contact me to resolve this urgent matter, and continue to be ignored outright. This matter is now extremely time urgent. 

Thank you for your immediate response & commitment to resolution at this level.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint to request to the Credit Bureaus remove the remaining fraudulent accounts that are still reporting on my Credit file. I greatly appreciate the Credit Bureaus immediate action to have some of the disputed accounts immediately removed from my Credit File but there are still accounts that should also be removed from my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to immediately remove any accounts and information that resulted due to identity theft. Also, if the Credit Bureaus would claim that the disputed items belong to me, I need the Credit Bureaus to send me copies of proof of verification and or any documents bearing my signature to support the Credit Bureaus claims. Once again, I am looking forward for the immediate removal of the following accounts that are still reporting on my Credit File : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/2016 XXXX XXXX Balance : {$120.00} Date Opened : XX/XX/201XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$60.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00}
Product: Debt collection

At the time that I received this bail bond I was making payments for about a year but ended up losing my job and was having financial hardship to keep on making payments. If I can please have this removed It will help me get back on track to a fresh start since this is the only thing I have on collections. I am trying to apply to get a car out to get to work since I need a car and better credit to be able to get one out.
Product: Debt collection

Debt is not only charged off but it is also fully satisfied as evidenced by the attachment. Santander is to cease & desist repossession efforts and send the lien release NOW. It is not to be sold to another " debt collection '' company. You are in violation of Federal Debt Collection Act Practices.
Product: Debt collection

I am not liable for this debt with SPRINT and do not have a contract with convergent. They did not provide me with the original application like I asked.
Product: Debt collection

Credence Resource Management keeps calling asking for personal information ( ss #, birth-date, etc ) before the will tell me why the are calling. I have called back trying to get information without providing personal info. I asked that they send me a letter with details of the issue. They say they need me to verify my current address, I told them to mail to the address they have on file. ( we have had the same address for 35 years ). 

There is nothing on my credit report showing an issue and we do not carry a balance on any credit cards. 

I believe this is a scam and want them to stop calling.
Product: Mortgage

Delaware governor declared a State of Emergency and banned landlords from collecting late fees from tenants, and lenders from collecting late fees on mortgages in turn : " With respect to any missed payment on a residential mortgage occurring during the state of emergency, no late fee or excess interest may be charged or accrue on the account for such residential mortgage during the state of emergency. '' My mortgage payment deadline was XX/XX/XXXX, I made the payments on XX/XX/XXXX and was immediately charged late fees on all 3 accounts. Called the company to inform them that this is in violation of the Emergency declaration, and they asked that I send a link to it ( which I did XX/XX/XXXX ). Followed up a week later and was asked to send the email again, even though the rep was able to find the original one - this time with loan numbers in the subject line. On XX/XX/XXXX followed up again and was transferred to a supervisor who said he'd get back to me on Monday, XXXX. Didn't happen.
Product: Debt collection

I sent the following lettter to the collection company on XX/XX/2023 and they still insist on reporting it to the credit reporting agencies XXXX XXXX Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXXXXXX AMERICOLLECT INC. 
XXXX XXXX XXXX XXXX. 
XXXX, WI XXXX XX/XX/2023 Certified Mail Receipt number : XXXX CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong AMERICOLLECT INC. this is a written request for you to cease and desist all forms of communication with me effective immediately. 

12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt. 

15 USC 1692 ( c ) c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

Furthermore you have no jurisdiction or authority to collect on this allege debt. 

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 

volenti non fit injuria Volenti non fit injuria is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You AMERICOLLECT INC. knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON Volenti non fit injuria Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed that there several hard inquires in my credit for XXXX XXXX XXXX. I also noticed that someone tried to apply for a mortgage as well.
Product: Credit reporting or other personal consumer reports

I am experiencing issues with inaccurate information on my credit report across TransUnion, XXXX, and XXXX. Despite contacting each credit bureau directly to resolve these inaccuracies, they remain uncorrected. Specifically : 1. **Unauthorized Credit Inquiries** : Several inquiries were recorded without my authorization. These were noted on various dates between XXXX and XX/XX/XXXX. I have requested removal of these inquiries, but they have not been addressed by the bureaus. These inquiries impact my credit score and are not a result of any action taken by me. 

2. **Negative Account Inconsistencies ( XXXX XXXX XXXX ** : I have a charge-off account with XXXX XXXX that is reported inconsistently across the three bureaus. Key details such as the account balance, high balance, last activity date, and closed date vary between XXXX, TransUnion, and XXXX. Under the Fair Credit Reporting Act, I requested that these inaccuracies be verified or corrected ; however, they remain unresolved. This incorrect information negatively impacts my credit profile. 

3. **Outdated Address Information** : Each bureau lists previous addresses that are no longer accurate. I have requested that only my current address, as of XX/XX/XXXX, be retained. The credit bureaus have not acted on this request, resulting in continued inaccurate reporting. 

I am seeking assistance from the CFPB to ensure that these issues are thoroughly reviewed, as the credit bureaus have failed to meet their obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ) to provide an accurate report.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXXXXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Needed to update occupancy of reverse mortgage with Champion Mortgage Co. misplaced request but sent it in when we found it. Also talked with their representatives twice on the phone to verify occupancy. The company charged us {$20.00} because they say they sent a representative out to verify occupancy but they will not send us a copy of the report and no one ever talked with us indicating they were sent out to verify occupancy.
Product: Checking or savings account

On XXXX XXXX my account with net spend was hacked. Over XXXX dollars was fraudulently removed from my account. The hackers were able to change all of my account settings. Multiple phone calls to Netspend produced very little help. Eventually my password and pin was changed. Two disputes were made for the charges. First update was for XX/XX/XXXX. The bank did not provide details as why the disputed amount was not placed back on the card. On XX/XX/XXXX my direct deposit as well as a portion of the orginal dispute was in the account. At XXXX XXXX i received a fraud alert for a XXXX dollar charge. I tried calling the bank because I had been locked out of my bank app. The hacker managed to change the account settings. By the time i was able to stop hit. Almost XXXX dollars had been removed from my account. The first time the bank said they had compromised my card. So we canceled the card and had a new one sent. This time, the actual checking account was compromised. This has happened within three week ofthe hacks. The bank has not provided me with anything as to why this continues to occur. I have to leave the account open while i wait for the disputes to finish. I know this bank had a data breach a little over a year ago. It appears this bank is not consumer friendly and is very slow on information getting back to me. each time it has taken days to get my account unblocked so that i can see the charges that occured. I know that by regulations the bank has 10 days from the dispute date. However, with my account being hacked twice in three weeks this has put me in a very dire financial need. Both hacks have been charges in states that i have not been in. So realistically there is now way for me to be in those states when i am using my card in my home state. Like said, Netspend as a bank is failing its customers by not protecting them from these online hacks. I have dug through my online accounts, scanned my phone and tablet. I have reviewed my XXXX and XXXX  profiles. None of those have showed information hacking. I need a government agency to step in and help. I need to know how these hacks are occuring. I know there has to be a way to track this problem. I need Netspend to step up and protect its customer. And i am not seeing that happen. I have know doubt there has to be other netspend customers having the same issue. This needs to be addressed.