23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have an unverified account from THE CBE GROUP , INC . I had previously disputed this account. I have never done business with THE CBE GROUP , INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that THE CBE GROUP, INC provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that THE CBE GROUP, INC Cease and Desist all further communications and collection actives and provide the  verification of the purported debt.
Product: Credit reporting or other personal consumer reports

An account with XXXX XXXX XXXX reportedly charged off my consumer report with TransUnion on XX/XX/21. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. I am demanding a deletion of this account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

account name XXXX/XXXX  account number # XXXX i am writing to bring to your attention multiple violations found on my credit report, which are in direct violation of the Fair Credit Reporting Act ( FCRA ). upon reviewing my credit report, I have identified the following inaccuracies and violations : XXXX date opened inaccurate XXXX date last active inaccurate XXXX date of the last payment inaccurate these inaccuracies have caused significant harm to my creditworthiness and financial standing, according to the FCRA, credit reporting agencies are obligated to ensure the accuracy and completeness of the information reported on consumer 's credit files. 

as a result of the violations, i am formally requesting that the credit bureau impose the maximum fine of {$1000.00} per violation, or delete this this account entirely enclosed are sections of my credit report highlighted for inaccurate information i expect prompt resolutions in this matter thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have demanded to see Verifiable Proof an original Consumer Contract with my Signature on it Experian, XXXX and XXXX XXXX have failed to positively verify these accounts. Under the FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof Experian must remove the accounts listed below : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There are 5 separate debts listed and I have no knowledge of any of them nor have I received notice of these. These are listed as medical and violates HIPPA.
Product: Credit reporting or other personal consumer reports

XXXX and Jefferson Capital Systems are in violation of the Fair Credit Reporting Act by reporting this allege debt that has not been validated or verified as belonging to me. I have received no documentation or contact information for me to follow up with on how they were able to validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Equifax Consumer Fraud Division XXXX. XXXX XXXX XXXX, GA XXXX I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX & XXXX, XXXX XXXX, XXXX XXXX-, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX {$1300.00}, XXXX   XXXX XXXX XXXX {$410.00} to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). 

This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

I checked my credit report and saw an account for PROFESSIONAL DEBT for {$3500.00}, stating it was assigned to an attorney. They are threatening to sue me fore a debt I have no knowledge of and have never been contacted about.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX & XXXX XXXX - Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX
Product: Student loan

I had federal loans serviced by XXXX which are ten years into repayment. I was told I would qualify for the PSLF plan and to contact XXXX XXXX. I did, and was notified that my loans and employer qualified and my loans were being transferred to XXXX XXXX. Three weeks ago I received an email stating I was given incorrect information and that my 8 years of payments with a qualifying employer would not count and I have to switch my payment plan. This new plan made my payments go from {$480.00} a month to {$1100.00} a month. Clearly if I could afford this payment, I wouldn't need loan forgiveness. They would also be paid off within ten years, making the program benefits pointless. Without any notice, I received a letter today saying they decided my payments- without changing payment plans- would go from {$480.00} to almost {$700.00}. I never even requested this or had any input. I've been on hold almost an hour and spoken to representatives who state they are " unable to help me ''. As a government entity, this company is an embarrassment.
Product: Checking or savings account

My debit card was hacked on XXXX.2020. I received a text from the bank asking if a charge in XXXX, Fl for {$790.00} was me. I wasn't and It was immediately shut down. At that time I only saw one fraudulent charge. The next day I went to get cash out and there was nothing in either my checking or savings account. I looked online to see what the problem was. There were two fraudulent charges. They only notified me of one. I found out at that time that they paid the first fraudulent charge of {$670.00} which they didn't tell me about. I called customer service to inquire why they didn't tell me about that one and why they paid it. I asked for provisional credit and they refused. I live on SSI and they took everything I had. I begged for them to understand this with no results. I waited a few more days and called again. Again, they didn't care that I had no money and said that I would have to wait the 7-10 days. Today I XX/XX/2020 and I still don't have any money. 
How can they do this to people. I very angry with this bank and feel this is unethical.
Product: Checking or savings account

I'm filling this complaint against one of the worst banks in the USA Wells Fargo for poor service, fraudulent, bad faith, and unfair cause to close my checking account this info for previous complaint filled with CFPB and Wells Fargo Wells Fargo case number : XXXX Account number ending in : XXXX Consumer Financial Protection Bureau, case number : XXXX Wells Fargo admitted their fault attached are copies of letters received Our records confirm a XXXX advance for {$8000.00} posted to your credit card on XX/XX/. A payment was made to the account for {$7200.00} on XX/XX/XXXX XXXX 
XXXX cleared and the wells fargo teller successfully withdrew from the account went back to branch after a week to see where is issue, customer service told me we they will take care of it nothing you can at the moment week later wells fargo closed my credit card and didn't issue my reward balance before they closed my account
Product: Debt collection

Dont send any verification and still reporting pass 30 days.DELETED
Product: Debt collection

I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. I have not received any goods or services from you all nor do l intend to. I have no intentions of any contractual obligations with you all in the future as well. Please consider this as " notice '' Any reporting to my consumer report to any of the consumer reporting agencies will be direct violation of Section 623 ( A ) ( 1 ) ( A ) ( B ). Sec. 623.

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 has reasonable cause to believe 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. I am kindly asking for you all to cease and desist or l will take legal action for you violating the law
Product: Credit card or prepaid card

i have sat on hold for 1hour 31min and over an hour 4 separate occasions. I am, & many others are reporting not being able to access their info or use their cards, despite calling all the companys different CS phone numbers. Including the international and regular credit card number. My paycheck from work is direct deposited onto AMEX serve card but have no access to the money and no way of reaching AMERICAN EXPRESS.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. ~ XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

On XX/XX/XXXX, an email from XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, attempting to collect an alleged debt of {$1900.00}. This email lacked the necessary information mandated by the Fair Debt Collection Practices Act ( FDCPA ), such as the amount of the debt, the name of the creditor, and the rights of the consumer to dispute the debt and request validation. 

XXXX XXXX has repeatedly requested : A copy of the contract that allegedly justifies the continued billing. 
Validation of the debt, including details on the amount owed and the basis for these charges. 
Despite these requests, LexisNexis and their agent, XXXX XXXX XXXX XXXX XXXX, have failed to provide the requested information. This continued billing and lack of transparency violate both federal and state consumer protection laws, including the FDCPA and California Business and Professions Code Section 17602. 

The ongoing attempts to collect a debt that is not owed, coupled with the failure to provide necessary documentation and validation, have caused significant distress and inconvenience to XXXX XXXX. 

Key Dates and Actions : XX/XX/XXXX : Formal cancellation of subscription with LexisNexis. 
XX/XX/XXXX : Email from XXXX XXXX XXXX attempting to collect {$1900.00}. 
Multiple Requests : XXXX XXXX has made repeated requests for contract and debt validation, which have not been fulfilled. 
Requested Resolution : Immediate cessation of all collection activities. 
Update the account status to reflect a XXXX balance and confirm the account closure. 
Issue a formal apology to XXXX XXXX. 
Provide any contractual documents that justify the continued billing. 
Issue a full refund for any charges incurred post-cancellation. 
Failure to address these issues will result in further legal action to protect XXXX XXXX rights.
Product: Vehicle loan or lease

I sent Chrysler Capital a billing error notice ( see attached green receipt ) and they received it on XXXX. I sent it to the billing error department, Registered XXXX and XXXX XXXX XXXX. I, the consumer have the right to obtain clarification, including DOCUMENTARY EVIDENCE Pursuant to 12 CFR 1026.13 ( a ) ( 6 ). DOCUMENTARY EVIDENCE in accordance with 15 U.S.C XXXX for the books of accounts AS DESCRIBED in IRS PUBLICATION XXXX, ( which includes journals and credits of accounts, ledger, debits of accounts to verify the current accounting and taxes associated with this account BOTH PRIVATE AND PUBLIC ) WHICH XXXX HAS FAILED TO DO. Pursuant to RULES PENDING RESOLUTION 12 CFR 1026.13 ( d ) ( 1 ) ( XXXX ) ( XXXX ) XXXXr may not try to collect any disputed amount nor take adverse action directly or indirectly, reporting to any person about I, the consumer 's credit standing without XXXX resolving the billing error. Failure to comply mat be subject to forfeiture under 15 U.S.C 1666 ( e ). XXXX has responded, and by their own admission sent documentation, which is the lease agreement and payment history. WHICH IS NOT DOCUMENTARY EVIDENCE Pursuant to FEDERAL LAW and my right as a consumer. Please note the lease agreement file is too large to upload.
Product: Credit card or prepaid card

I set up a payment plan with my XXXX  visa card synchrony bank on XX/XX/XXXX to take XXXX dollars from my bank account on the XXXX of every month. They took the payment on XX/XX/XXXX but then didn't take anymore payments after that. 2 months later I saw that they hadn't taken their $ the last 2 months and when I called to ask why I was told they had charged off my card for failure to pay. I told them I set up payment plan for them to take the money each month. XXXX they said I didn't make a payment plan and after giving them the date I called n insisting I made payment plan on that date they found it but then said I was supposed to call them to make payments. That is not what I was told when I made the payment plan I was told they would b taking from my account on the XXXX of each month. And I have payment plans with 2 other cards n they all take their $ from my account every month just like this company said they would do. Now my credit is ruined for 7 yrs n debt collectors r going to b coming after me when I didn't fail to pay them. I made sure their $ was in my account on the XXXX of each month but cuz THEY failed to take it I have to pay the price? If I was supposed to call them to make payments they needed to tell me that. When they ask for my bank account info and say theyll b taking the money then that's what I expect theyll do. I've done nothing wrong and shouldn't be punished for their mistake or just wrong doing.
Product: Credit card

In XX/XX/XXXX, I made a purchase with XXXX using my XXXX Credit Card. During this time, I was switching bank accounts from XXXX XXXX to XXXX XXXX. I have numerous credit cards, and unfortunately, I overlooked setting up automatic payments for this specific XXXX card with my new bank. 

When XXXX contacted me in XX/XX/XXXX about a late payment, I immediately apologized and offered to pay the entire outstanding balance. They informed me of the remaining amount, which I promptly paid, thinking that would resolve the issue. However, they inexplicably charged my account all but {$2.00}, leaving a lingering balance I wasn't aware of. 

Fast forward to XX/XX/XXXX, I received another call from XXXX stating I owed {$18.00} due to attempted charges on my closed XXXX XXXX account, which were naturally declined. I reiterated that the XXXX account was closed and requested they stop attempting charges there. Frustrated but eager to settle the matter, I offered to pay the {$18.00} to clear the balance. 

Despite paying the {$18.00}, the account remained open with outstanding charges. My calls seeking resolution were unproductive, with conflicting information and no clear answer on how to clear the balance. My efforts to address the issue consumed hours, adding to the frustration. 

Now, even after assurances from XXXX representatives that the issue is resolved, this {$2.00} discrepancy, plus additional fees, has landed on my credit report as a 30-day late payment on XX/XX/XXXX, damaging my excellent credit score. This is unacceptable, especially considering my history of responsible credit card use and timely payments on thousands of dollars monthly. 

I am at a loss with XXXX. Their inconsistent communication, inability to resolve the issue, and damaging my credit score warrant further action. I need assistance navigating this situation to restore my credit score and hold XXXX accountable for their negligence.
Product: Credit reporting

XX/XX/XXXX-XX/XX/XXXX my credit report was pulled to purchase a house, there were no inquiries reporting at the time, my report was pulled. After recently going thru the initial steps to buy, i noticed that there are inquiries now reporting on my file, in which i did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Has all validated my rights 15 U.S.C 1681 Section 602 states I have the rights to privacy.

15 U.S.C 1681 Sectign 604 A Section 2 : It also States a customer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, a hard inquiry was placed on my credit report from One Main. Unfortunately, I was not offered credit 'after ' the inquiry was made. I have since contacted One Main requesting the inquiry be removed from my credit report. The Fair Credit Reporting Act states, 'The only permissible purpose for pulling anyone 's credit is A ) A FIRM offer of credit B ) Insurance C ) Employment or D ) A court order. A firm offer of credit is defined by the Fair Credit Reporting Act as 'any offer of credit or insurance to a consumer that will be honored if the consumer is determined, based on information in a consumer report, to meet specific criteria used to select the consumer for the offer. '' I was selected for the offer of credit via USPS delivery of an offer/application, however, my application was denied, therefore, the 'offer of credit ' was not 'honored. ' As a result, and according to the FCRA, One Main is required to remove the inquiry from my credit report. Subsequently, I've made contact with One Main via USPS and requested the inquiry be removed. Unfortunately, my request has been denied. Conclusively, One Main has refused to adhere to the requirements of the FCRA. As a result, I'm demanding complete removal of One Main 's inquiry from my credit report.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX with new & updated information about my recent complaint XXXX. Equifax failed to delete the following 14 inquires that were disputed in 4 business days as required by 15 USC 1681c-2. Equifax is now out of compliance with the FCRA & is now liable pursuant to 15 USC 1681 for willful noncompliance.
Product: Debt collection

Sunrise Credit Services does not hold true to their word. Didn't receive any information about an outstanding bill from XXXX XXXX XXXX ( did not owe to XXXX XXXX XXXX and still sent to collections ). To come to some agreement to make this go away I asked if I paid would this be deleted from my credit. The 1st operator stated it would and they would send me a letter verifying after I paid. That never came. I called back and talked with XXXX XXXX and he stated it would be removed in 5 business days. That never happened. Now I called and was told Sunrise doesn't delete from your credit ( why are there so many reviews stating they do ). DO NOT TRUST Sunrise. 

Sunrise misrepresented the action they would do in order to collect money.
Product: Debt collection

It's a derogatory reporting to my credit report from Aspire Credit Card ; which is causing me hardship.They have sold my credit information to various credit collecting agencies.These agencies have violated me in so many ways. They are sending me letters, texting my phone, and emailing me ; which is a violation of my privacy. I had zero knowledge of this company selling my information. We as consumers are violated every day with these company 's fraudulent practices. These debts are already paid through our XXXX XXXX XXXX The violation becomes over kill, and is a XXXX issue, by reporting derogatory information. This is considered deformation. These corporations want to overly profit adding interest, putting our information on the stock market, and selling our information to other agencies. 

I can send in any documentation as requested. This include emails, text, letters, a call list. 

" The Federal Government took our lawful money out of circulation in 1933 but Congress had to provide the people a remedy. Public Law : " Chap. 48, 48 Stat. 112 '' under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar ''.