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

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. 

A debt buyer is a company or individual who purchases account ( generally non-performing debts ) with the intent of collecting debts owed. A third-party collection agency is a company or individual who specialized in collecting outstanding debts for their businesses or individuals. Metro 2 reporting guidelines state : Accounts reported in error must be deleted. 

The Credit agency stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, they violated my rights under : 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 an account without my written instructions.
Product: Debt collection

I had received multiple phone callls from a debt collector that I had no knowledge of after I said I didnt own a vehicle and that I was not going to pay the debt collector because my auto loan account was sold or given to another company/debt collection agency the gentleman then said Ill go ahead and make sure your credit and your life is put under fraud and then proceeded to say I will also get you deported because he was a fbi agent then he hung up the phone and all my information was then hacked
Product: Debt collection

I requested XXXX to provide my home with TV service. The package I requested was not available in my service area. I immediately requested cancellation. They said that I was legally obligated to a 1 year contract. I never signed a contract. They said that I would also have to pay for the equipment they provided if I did not return it to them at my expense. I placed the equipment in their original boxes on my porch and informed XXXX that they could pick it up any time. They declined. XXXX then turned my credit information over to a collection agency who placed a collection on my credit bureau. I contacted both XXXX and AFNI Inc. regarding this report on my credit informing both agencies that I dispute this debt. They have refused to remove it from my credit report which has dropped from an XXXX FICO score to a XXXX. If they would like to attempt to obtain a civil judgment to collect this debt, I would welcome my day in court. Until that day, I have requested that they remove this stain from my otherwise perfect credit bureau and stop their harassment as they attempt to collect money for a service which they could not deliver and equipment which they were unwilling to come and retrieve.
Product: Credit reporting or other personal consumer reports

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal.

They also violated my rights under 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 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX with a cash to buy my car. I didnt finance with them only to see an inquiry on my account when I get home. 

On XX/XX/2023 I saw this 5 credit inquiries on my account. Am not aware of this credit inquiry because I didnt approve it. I didnt give them any consent to pull my credit. 
Have try to contact all of them, I even contact XXXX. All they told me is not to worry that the inquiry we disappear in one year. They didnt give me a reason why they pull my credit. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In my American Express National Bank Checking account, same amount was debited twice from bank account. One transaction being the check that was issued by me ( Date : XX/XX/year>, Amount : XXXX, Reference Number : XXXX ). Other being a transaction that was manually initiated by American Express National Bank ( Date : XX/XX/year>, Amount : XXXX, Reference Number : XXXX ). American Express National Bank was able to give any reason for second debit, is giving a response that its a proprietary bank process. 

My speculation being a check fraud has occurred and American Express National Bank decided to penalize me without any intimation and investigation, instead of penalizing fraudsters. 

How can a bank be trusted if bank is not able to disclose reason for the debit and when it is able to authorize a debit from my account without my authorization. Please investigate this banking process.
Product: Checking or savings account

I opened a checking account with navy federal in XXXX of XXXX and everything was fine up until I started getting letters saying my account was overdrawn and there was fraudulent activity even though I never received a debit card in the mail. I immediately called navy federal and explained everything giving them proof and evidence that I never received anything and this was not my doing as I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They said they would conduct and investigation and ultimately said that it was my fault and I owe XXXX, my whole issue is if they actually did and investigation they would see this was not me and all of the atm transactions could not have been me. I dont know who had my card or who had my XXXX but I find this very unfair and illegal. I had no money in the account to begin with because I never got the card I never got a welcome packet. Ive called multiple times and they just keep saying they did an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Be advised this is not a refusal to pay, but notice that the claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt XXXX XXXX XXXX # XXXX for {$310.00}, XXXX XXXX # XXXX say I owe XXXX XXXX XXXX, or XXXX XXXX. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay the companies named in this dispute not who they are trying to collect for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Holder AVANT / WEBBANK Original Creditor Revolving Account Account # XXXX Date Opened XX/XX/2021 XXXX Day Late Payment 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my instructions. 

This has messed up my reputation and I need this account deleted.
Product: Student loan

I had {$5000.00} XXXX Student Loan forgiveness on XXXX process through on my Navient loan, and came to find out later that {$4900.00} of that was applied to principal and {$30.00} was applied to interest, all to the oldest student loans with the lowest interest rate. I called when I realized that and asked that it be applied to the loans with the higher interest rate and asked why {$30.00} was paid in interest and not all to the principal. The representative from Navient could not give me an answer and after repeatedly asking it be changed they hung up on me. I have called since and never been given an answer and it has never changed. I am certain I have been paying way more in interest due to this mistake then need be, and could possibly have my loan paid off by now because of the extra interest I have paid from the forgiveness amount being applied to the lower rate loan and not the higher rate loan.
Product: Debt collection

The Company BYL COLLECTION SERVICES posted onto my consumer reports stating that I owe them an alleged debt. I have no agreement with BYL COLLECTION SERVICES they have purchased a debt without me being involved in the transaction. This is a duplicate account pursuant to 15 USC 3002 I am a natural person You are a XXXX XXXX XXXX XXXX, who appears to be fraudulently claiming authority of this XXXX XXXX to administrate for the me XXXX XXXX. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and BYL COLLECTION SERVICES is authorized to administrate ( acting trustee ) on I the consumer, together with a certified copies of signatures contract between you and I, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any XXXX XXXX XXXX XXXX XXXX Agreement passing I XXXXXXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon I XXXX XXXX. Courts require your contract for jurisdiction. 

I the Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.
Product: Checking or savings account

My fraudulent charges claim with Bank of America was denied. The following charges from XXXX ( {$16000.00} ) from XX/XX/22 thru XX/XX/22. The following charges from XXXX ( {$6900.00} ) from XX/XX/22 thru XX/XX/22. The following charges from XXXX XXXX ( {$2000.00} ) from XX/XX/22 thru XX/XX/22.
Product: Mortgage

XXXX XXXX XXXX tranferred the servicing of this fraudulent loan, that I have been forced to pay them over the years. Ditech in addition of its knowledge that the mortgage lender was not XXXX XXXX XXXX, took the service of such fraudulent loan on XX/XX/XXXX with the intention to stole my property by conducting an evil plan with the aide of XXXX XXXX XXXX, XXXX by refusing payments. First they said, " we have to wait for all the documentation from XXXX XXXX XXXX it might take up to 60 days ''. Then they said on the 60 day " we still have not completed the transfer '', after the 60 days they said, '' we can not receive payments, you have to wait for a letter from us ''. We insisted that they could use the direct payment draft from our bank that XXXX, was using, but they insisted we have to wait for the letter. We made several calls to them the first one was in XX/XX/XXXX to XXXX who told us they have transferred the service to Ditech because they did not inform us. We called them right after and they replied what I wrote above, " we have not received the documents from XXXX you have to wait '', we called them several times each month. but they insisted to wait for their letter. but all of these was just part of their scheme because we discovered that Ditech Financial withdraw a payment on XX/XX/XXXX and then stopped the withdraw of the payments pretending they couldn't do it with the purpose to foreclose and stole our property. Then on XX/XX/XXXX they sent us a letter from XXXX XXXX stating, the full amount to reinstate the loan is {$6600.00} good to XX/XX/XXXX '' they also stated that some charges might not be used by that date. We paid them the entire amount requested before their due date. It was obvious they wanted to lead us to foreclosure to rob our property, because they knew XXXX and they did not own the mortgage because it was satisfied since XXXX. At that time we did not know of this fraud until three months ago. Ditech transferred the servicing to XXXX XXXX XXXX that also knew about this fraud on XX/XX/XXXX. We want an audit history that includes all the payment of principal, interests and fees. This crook had the audacity with the aide of its partner of crime XXXX XXXX XXXX to provide them when I asked for information from XXXX copies of fabricated monthly bills that they never sent, and fabricated letters stating, as if we asked them for a modification, and others as if we appealed their denial. which is a big lie. they again as XXXX and XXXX mentioned the name of a New York trust to be the owner of my alleged mortgage, which trust doesn't exist. The investors who are the ones that funded my loan based on my signature were fully paid.
Product: Checking or savings account

XX/XX/2019, I was a victim of the XXXX XXXX XXXX I ignorantly cashed checks against my checking account not knowing that they where bad checks and I was involved in the XXXX XXXX XXXX. My checking account was closed for bad checks which was associated with the XXXX XXXX XXXX and the remaining of personally funds of {$930.00} is being held against my will at City bank. City bank did not give me a reason a for why they are keeping my funds. City Bank continues to tell me that I will receive a check within 30 days but I have not yet received any funds and it has been a few months since I made the request. I have lost thousands and thousands of dollars and I am trying to fix this situation and have gotten any support from the above the banks. I am a victim of a XXXX XXXX  XXXX.and I need help getting this situation resolved. I owe on a {$6600.00} loan I pulled out to pay for the taxes on my so called winnings and am paying back money to XXXX XXXX  as a result bad checks associated the XXXX XXXX XXXX
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 U.S.C 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 an 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 16815-2 ( A ) ( 1 ) A person shall not turnish any information relaying to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

I received a notice from Convergent Outsourcing Inc stating the original creditor was XXXX XXXX XXXX XXXX which is my current loan for my vehicle and I do not have an outstanding balance with them!
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX XXXX Account # 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

XX/XX/XXXX and XX/XX/XXXX : I started a balance transfer from XXXX to new Wells Fargo card. Requested {$13000.00} to be transferred on wells Fargo XXXX app. I called 4 days later asking status. 

Wells Fargo made XXXX requests-paid XXXX XXXX and 4 days later XXXX for total of XXXX transferred over to new unused Wells Fargo card . I dont have XXXX of debt in XXXX XXXX XXXX onlyso 1. Error making XXXX payments for balance transfer ( only XXXX authorized with me ) 2. Transferred someone elses debt to my account. 

Now, I am over limit on Wells Fargo ( so interest being charged ), I was told by Wells Fargo that XXXX has to refund money for me to pay Wells Fargo. XXXX said refund would go to my checking account. Its all a lie. My credit card for XXXX has been refunded. Now XXXX shows I have a XXXX credit. How can I pay wellsfargo when my credit card was refunded for the error. You cant pay a credit card wjth another credit card. 

I need XXXX to pay wellsfargo. And then for all interest and additional transfer fees to be refunded. And credit is down over XXXX points because of this error. I really need help! Thank you! Also, I did this balance transfer to take advantage of Wells Fargo XXXX mos 0 % APR. and cant even take advantage of this XXXX double was transferred over.
Product: Bank account or service

This a continuation of my response to Wells Fargo 's response dated XX/XX/2017. The actual federal laws that were grossly neglected to be followed are the following, XXXX These laws make for an interesting read. Every bank officer I have spoke with outside of Wells Fargo has acknowledged these regs. and follows them to the letter. After considering the above mentioned one question keep burning threw my mind ... Why has Wells Fargo continued to deny these laws exist. 
Or why the branch manager told me that these laws do not apply to me.. The CFPB will, I am sure read these regulations and understand that they DO apply to everyone in the banking community Respectfully XXXX
Product: Debt collection

Draft Letter to CFPB Regarding Cavalry Portfolio Services , LLC Date : XX/XX/2023 To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Subject : Complaint Against Cavalry Portfolio Services , LLC for Fair Debt Collection Practices Act ( FDCPA ) Violations Dear CFPB, I am writing to file a complaint against Cavalry Portfolio Services , LLC ( Cavalry ) for engaging in unfair and deceptive debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e and 1692j. 

Cavalry 's Misrepresentation of Themselves : Cavalry has repeatedly contacted me regarding an alleged debt, falsely claiming to be the original creditor or to have a valid contractual agreement with me. This is demonstrably false, as I never entered into any agreement with Cavalry nor authorized the sale of my information to them. I have requested verification of the debt and contractual documentation on multiple occasions, yet Cavalry has failed to provide any such evidence. This constitutes a violation of 15 U.S.C. 1692e ( 8 ), which prohibits debt collectors from misrepresenting themselves as the original creditor or as having a legal right to collect the debt. 

Illegal Acquisition of My Information : Furthermore, I have reason to believe that Cavalry acquired my information illegally, potentially without my written consent. This raises serious concerns about the legitimacy of the debt and the methods used to collect it. Without verifiable proof of my consent to share my information, Cavalry 's collection efforts may violate 15 U.S.C. 1692j, which prohibits the use of unfair or unconscionable means to collect a debt. 

Consumer Law Protections : I am pursuing legal action under the FDCPA, specifically under sections 1692e and 1692j, to protect my rights as a consumer. I request that the CFPB investigate Cavalry 's practices and hold them accountable for any violations of the FDCPA. I have attached relevant documentation supporting my claims, including communication records with Cavalry and my requests for verification of the debt. 

My Request : I urge the CFPB to : Investigate Cavalry 's debt collection practices regarding my alleged debt.

Determine whether Cavalry has violated the FDCPA by misrepresenting themselves and illegally acquiring my information.

Take appropriate enforcement action against Cavalry, including but not limited to cease-and-desist orders and civil penalties. 

Thank you for your time and consideration of this matter. I look forward to your prompt response and resolution. 

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

I over paid my XXXX 's payment due in XXXX. Therefore, I should not have had a payment for XX/XX/2022. They reported me as delinquent and as missing a payment. I have paid the account off on XXXX XX/XX/2022 of XXXX. 

They are reporting me inaccurately and refused to change the account. I have filed multiple complaints with XXXX, XXXX and XXXX. I also contacted Macy/s regarding the missed payment. 

I told them I overpaid for XXXX and I should not have had a payment for XX/XX/2022. They reported me as missing a payment. 

The account has been paid in Full for Macy 's Store Charge Card.