23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Debt Notification and Request for Verification To Whom It May Concern, I am writing to dispute a debt that I have recently been made aware of. According to my records, I have not been notified of this debt, nor have I had the opportunity to dispute it. I am requesting that you investigate this matter thoroughly as it appears that my consumeedr rights have been violated. 
Specifically, I am invoking the following regulations and laws that pertain to this dispute : 1. 12 CFR 1006.34 ( b ) ( 5 ) : I did not receive the required information regarding this debt, which should include my right to dispute the debt within 30 days. I request evidence that this information was provided to me in compliance with this regulation.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) : I did not receive proper notification of the debt, nor was I informed about my rights to dispute it. The lack of proper notification violates this specific provision, which mandates clear communication of my rights.

3. 12 CFR 1006.34 ( d ) : The collection agency 's actions appear to be using false, misleading, and deceptive means to collect this debt. Such practices are prohibited under this regulation, and I believe my consumer rights have been infringed upon.

4. 15 USC 1681-S 2 ( 7 ) ( A ) : The reporting of this debt to credit reporting agencies without proper notification and an opportunity for me to dispute it is a direct violation of this statute. This law mandates that creditors provide accurate and fair information to consumer reporting agencies, which has not been adhered to in this case.

I also request that you provide me with the certified mail receipt that includes my signature, indicating that I received notification of this debt. If you can not provide this, it will further support my claim that I was not properly notified.

I ask that you cease all collection activities and remove any negative entries related to this debt from my credit report until this matter is fully resolved. Please respond to this dispute within the time frame mandeted by law and confirm receipt of this letter.

Thank you for your prompt attention to this matter. I look forward to your resolution and clarification. 
Sincerely, XXXX XXXX
Product: Mortgage

Specialized Loan Servicing is attempting to take my home away through foreclosure. I am severely XXXX and have nowhere to live if they kick me out of my home. It has been a ten year struggle to try to get them to work with me to obtain a reasonable payment plan, restructure loan or loan modification, but can not seem to get any favorable results. All they do is send me to mediation where their evil attorneys attack me as though I have done something illegal. All of my attempts at working with them in a fair and transparent negotiation, have resulted in me facing their attorneys. I have never had a review for retention options and their legal shenanigans have cost me an unbelievable amount time, money and trouble. They have made some offers which I would gladly accept, but we have never been able to consummate the deals. Each time I contacted them to move forward with a review that would get me into a reasonable mortgage payment, SLS has backed off and we ended up back with the mediator or back in court. I no longer trust them because of how they have treated me throughout the years. I truly need SLS to engage in a fair and transparent negotiation and to review my circumstances for some sort of workout option using my current financial situation. I have enough income to resolve this matter and make things work, but SLS needs to come to the negotiation table in good faith and leave the attorneys in their offices. As it stands now, my interest rate is at 11 % ( when others getting 3-4 )!!! I am simply looking to be treated fairly and live in my home for the rest of my life.
Product: Money transfer, virtual currency, or money service

I'm a victim of crypto defi wallet scam. A lady friend on XXXX XXXX XXXX introduced me this URL XXXX which is a fake flatform because First they asked me to pay {$34000.00} for the profit tax and 2nd They asked me to pay {$95000.00} for the identity verification before I can withdraw my money and after I've paid that amount they asked me again to pay {$70000.00} for the manual verification. 

On XX/XX/year> another incident happened, an online web site XXXX is offering for funds recovery but it's also a scam. Their phone number is XXXX XXXX XXXX
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX - XXXX XXXX  XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX 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, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Product: Debt collection

Portfolio Recovery Associates, LLC continues to collect a debt well past the seven year limit. Last payment was made to the original creditor almost ten years ago. They still contact me and refuse to remove from credit report.
Product: Debt collection

XX/XX/2018 I contacted Americollect in response to a claim I owe a debt to them I asked that they validate their claim, after no response they posted negative inaccurate incorrect information on my credit profiles I disputed again and filed a complaint with CFPB, I received a letter claim to be an itemized list for a XXXX XXXX XXXX with the balance reporting {$0.00}, I DO NOT HAVE A DEBT WITH AMERICOLLECT
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX XXXX Account Number : { XXXX } { XXXX } Date of Charge-Off : { XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX } 2024 It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.
Product: Student loan

I am aware of the " School Misconduct Discharge '' form which has been sent out to borrowers from bad actor schools.

The school that I went to, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX was recently included in XXXX XXXX XXXX XXXX broad cancellation of all federal debt due to their gross misconduct and negligence. This was due to strongly documented fraud and misrepresentations that were taking place by the chain of schools under XXXX as a whole. I have applied for borrower defense to repayment and not been paying my federal debt for years due to knowing that it was the product of fraud. I have been strongly opposed to paying my private debt associated with it as well, but have been forced to continue paying it in order to preserve my credit rating. 

I therefore strongly believe that my private debt which is the product of my attendance at XXXX XXXXXXXX XXXX should also qualify for discharge since Navient DOES have a program that is dedicated to this and has already canceled the debt from other colleges such as XXXX, as well as refunded the payments made towards it since XXXX. 

It is very important to me that I do not continue paying towards a school experience that I have never profited from and has been a terrible burden on my life as well as my husbands, who is also a cosigner on one of my private navient loans.
Product: Checking or savings account

Back in XXXX, there was a group of unauthorized charges made using my Wells Fargo debit card, which I immediately submitted a fraudulent charge claim for. 

Charge # XXXX : XX/XX/year> XXXX  : {$96.00} Charge # XXXX : XX/XX/year> XXXX XXXX {$49.00} Charge # XXXX : XX/XX/year> XXXX 's : {$14.00} Wells Fargo then canceled the debit card and sent me a new one. On XX/XX/XXXX, I received a letter saying the claim for the Charges # 1 and # 2 was denied and the provisional credit was removed from my account ( despite the claim for Charge # 3 being approved, even though all 3 transactions were made the same day ). I tried calling Wells Fargo claims department to ask why the claim was denied, but they would not give me any details as to how they concluded I authorized the transactions. I wanted to escalate or appeal the decision, but they gave me no option to. They said I needed to contact the merchants directly, which is definitely not how something like this should work. Giving them the benefit of the doubt, I called the number they gave me for XXXX, and the automated message said that I needed to contact my bank to dispute any unauthorized charges, so I was being sent in a circle. The number they gave me for XXXX didn't even work. After this, I called the Wells Fargo claims department once again, and they gave me the same run-around. As a Wells Fargo customer of 10+ years, I find this disregard for customer satisfaction unacceptable.
Product: Consumer Loan

I XXXX XXXX would like to request the release of all phone calls made into Drivetime from the dates of XXXX to XXXX to the Consumer Financial Protection Bureau at the below address. I have been requesting a Loan Modification on my vehicle for over 30 days and have been continually given the runaround whenever I call in. I have never been late on my payments since my purchase in XX/XX/XXXX. I have attached all email communicationConsumer Financial Protection Bureau Attention : [ Employee Name, Division, and/or Office Number ] XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX am requesting the following:1. Please release all phone calls from the dates of XXXX to XXXX to the CFPB. 
2. Release of your Loan Approval and Loan Modification Procedure from dealership to your corporate headquarters in XXXX and XXXX to the CFPB3. Loan modification to be granted with semi-monthly payments. 


Thank youXXXX XXXX
Product: Credit reporting or other personal consumer reports

I was notified by alert that a new account was opened between XXXX XXXX  to XX/XX/year>, I immediately called XXXX a representative reviewed my account and said she was very sorry and didn't kno why my great standing account had been removed and she was immediately adding it back, this has taken a mental toll on me bc it's damaging my credit report I've been working hard on, it's now reporting a new account and it has deducted XXXX points from XXXX  account, this violate my rights XXXX, they need to fix this immediately or I will seek litigation that I am allowed to, I'm attaching all the proof that this account has been reporting and never should have been removed unauthorized
Product: Debt collection

Hello - I am writing to you regarding a situation with Lustig & Glaser. My small debt was nearly paid off, yet it seems the above mentioned firm sold off a chunk of debts, mine included. 
Upon receiving the debt sale letter, I called the new number and told the lady that I wanted to pay off the debt in full. 
She explained that they were not yet set up to take my money, but they would call back very soon and help me. This call happened in XXXX of this year. No call, no help. Its only a small amount, under {$600.00}. I am desperately trying to MAKE IT GO AWAY!!
Product: Credit reporting

SEVEN/TEN YEAR RULE UNDER FCRA GUIDELINES - REMOVAL OF TRADE LINESXXXX new decisions - XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ; and XXXX v. XXXX , XXXX ( XXXX ) XXXX XXXX XXXX ( ordered depublished XXXX XXXX, XXXX ) - have changed, clarified, or confused ( depending on your point of view ) the legal landscape in California as to the legal obligations of so-called " furnishers '' who furnish credit-related information concerning consumers to credit reporting agencies. These cases address the obligations of furnishers under federal and state law to supply accurate information, as well as a furnisher 's obligation to " reinvestigate '' a consumer 's dispute. These cases also indicate that, for the time being at least, a heretofore unrecognized private right of action exists under Civil Code 1785.25 ( g ) and 1785.31 for failure to accurately report credit information in violation of 1785.25 ( a ). An understanding of the relevant history is important before one can properly evaluate the current state of the law and the XXXX and XXXX decisions. 
The Original FCRA Legislation Applies To Credit Reporting Agencies OnlyThe Fair Credit Reporting Act ( FCRA ), found at 15 U.S.C. 1681, et seq., was originally enacted in 1970. The express purpose of the FCRA was to require that consumer reporting agencies adopt and implement " reasonable procedures '' for ensuring that credit information about a consumer was collected, maintained, and dispensed " in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information ... '' FCRA, 15 U.S.C. 1681 ( b ) ; XXXX XXXX. XXXX of XXXX. v. XXXX ( XXXX ) 551 U.S. 47, 127 S.Ct. 2201, 2205. The Congressional findings noted that " [ t ] here is a need to insure that consumer reporting agencies exercise their grave responsibilities with of fairness, impartiality, and respect for the consumer 's right to privacy. '' FCRA, 15 U.S.C. 1681 ( a ) ( 4 ). However, the credit bureaus do not follow through with any methodology a system that automatically removes an antiquated credit trade line, which leave creditors in control to remove a negative trade line at a later date by simply re-aging the trade line payment history. 
Notice that a positive trade line can be maintained for a ten year timeline from the credit procurement after the account has been closed out. The ten year timeline carries from the date the credit trade line was first reported to a credit reporting agency, or from the date of procurement of the debt. 
I demand the above referenced credit trade line removal based upon the passing of the XXXX year timeline. And I maintain that there is no further relevancy to the debt being posted under FCRA guidelines. The above-referenced state cases show that the accuracy of credit reporting carries into state court cases as well, whereas a creditor can be brought up on serious civil charges outside of federally protected jurisdictions under FCRA.
Product: Debt collection

I am a victim of identity theft. My personal information was used to open an account at XXXX in XXXX 2012. I have already disputed this debt twice. I did not open or authorize this account, and I therefore request that it be closed immediately.
Product: Vehicle loan or lease

Respectfully request controct with authentic signature that started this alleged debt. 

Moreover, request auction receipt when XXXX XXXX was sold at the auction. 

I am within my rights making this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is that Equifax was reportedly aware of the breach well in advance of when they notified the public. Additionally, I do not believe Equifax took all the available and necessary steps to protect such sensitive information for myself and millions of others. Their reckless handling of myself and others ' sensitive information, along with reportedly not informing the public immediately, puts all of us at great risk of identity theft that may have been avoided had various other actions be implemented in advance by Equifax.
Product: Credit reporting or other personal consumer reports

Transunion, Repeatedly and continuous reviewing of my credit report, I cant explain why all this erroneous reporting unauthorize inquires which are not mines are listed below. Please remove all and delete all 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted disputes for all derogatory marks on my TransUnion LLC credit report. As a result some were deleted but some remained. Today, XX/XX/XXXX XXXX XXXX XXXX shows on my credit report when just yesterday XX/XX/year> it was showing it was deleted.
Product: Credit reporting or other personal consumer reports

I am writing to formally address and demand resolution for your unauthorized use of my private property, specifically my federally held trademark under United States Patent and Trademark ( USPTO ) Serial No. XXXX, which constitutes a violation of the Fifth Amendment 's Takings Clause of the United States Constitution. This clause stipulates that private property shall not be taken for public use without just compensation. Your actions also constitute both aggravated identity theft and trademark infringement under federal law.

Your deceptive business practices and unlawful acts have caused me severe harm and personal damages, for which I am seeking monetary damages and just compensation. Your assumed vital role in the financial sector is unfair, defamatory, and has significantly damaged my creditworthiness, a critical factor upon which the banking and financial industry is heavily dependent. Furthermore, your actions lack permissible purpose and constitute a grievous violation of my rights to privacy and confidentiality as a consumer.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, none of which include unauthorized use of a federally held trademark. Your violation of this statute underscores the severity of your misconduct. The unauthorized use of my trademark, combined with your misrepresentation and distribution of my private property and personal information, has caused irreparable damage to my personal and professional reputation.

Additionally, case law such as Ruckelshaus v. Monsanto Co., 467 U.S. 986 ( 1984 ), highlights the importance of just compensation for the use of private property. In this case, the Supreme Court held that a taking of property, including intangible property such as trademarks, without just compensation is a violation of the Fifth Amendment. Your unauthorized use of my trademark falls squarely within this precedent.

Your actions also violate my right to privacy and confidentiality, as outlined in Whalen v. Roe, 429 U.S. 589 ( 1977 ). This case affirmed the constitutional right to privacy in personal information. By misappropriating and misusing my federally held trademark and private property, you have infringed upon this right.

I demand that you cease and desist from any further unauthorized use of my trademark and personal information. I also seek monetary damages and just compensation of no less than XXXX USD for the harm and damages caused by your unlawful actions. Please consider this letter as my formal demand for the immediate rectification of your practices and appropriate compensation. 

Failure to address these issues promptly will result in my taking further legal action to protect my rights and interests. I expect a written response within 30 days of receipt of this notice detailing the steps you will take to rectify this situation in good faith, honor and righteousness.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable a item that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate. 

Credit Bureau is Experian the account is : XXXX XXXX XXXX I filed a dispute XXXX XXXX I asked for information proving the information was accurate I received no response they actually stated it was accurate
Product: Student loan

Student loans are accruing interest, also at a higher rate than I was contracted with before XXXX XXXX sold debt to nelnet. I am signed up under the save plan and was supposed to be receiving 0 % interest and was not notified of an interest change.