23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVNV funding or XXXX XXXX XXXX XXXX can't be verifiedwhich company owned this debt. When disputed with LVNV funding they told me to reach out to XXXX & XXXX .This company took {$280.00} out my account. Balanced never change. When I dispute to verify the debt I was threaten a second time with continuing garnishment letters. That took {$80.00} dollars out my account to stop garnishment. I disputed to see documents of original creditors but none was provided. I feel like my fair credit rights are being violated and retaliated due to my dispute to verify original documents from original creditor with original contract and signatures.
Product: Debt collection

ENHANCED RECOVERY CORP, was disputed and removed off all my credit report only to show back up with misleading information. This account with XXXX was opened up by another person using my information fraudulently.
Product: Credit card or prepaid card

On XX/XX/XXXX, i called wells fargo to cancel the new card that was opened fraudulently in my name. on XX/XX/XXXX the impersonator of me contacted wells fargo and they reopened the credit card that i received confirmation of being closed. On XX/XX/XXXX i received notice from wells fargo that the credit card that had been fraudulently reopened now had a balance on it of {$20000.00} of purchases that i have not made since i do not have this card. Wells Fargo has done nothing for me. the impersonator has opened many accounts at wells fargo in my name and i have closed all accounts at wells fargo and they keep reopening them. i need these accounts to be closed and noted that they are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found many inaccurate accounts listed on my credit reports that under the violate my privacy according to the Fair Credit Reporting Act under 15 USC 1681 section 602a. Also under 15 USC 1681 section 604a : States that I have to privacy 15 USC 1681c - a5 section 2 : States that a consumer agency may not furnish any account without my written instructions.
15 USC 1681s-2 a1 : States that no consumer agency may make any consumer report containing adverse item of information about me. 

The accounts that have violated my rights are : XXXX XXXX XXXX acct # : XXXX XXXXXXXX XXXX acct # : XXXX XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX  acct # : XXXX XXXX account # : XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX  acct # : XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX acct # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

went to XXXX to request credit reports from all 3 sources. The program glitched when I tried to get my third ( Experian ) report and I have spent an hour calling and recalling their various phone numbers, pleading for help from a human being who could resolve the situation in 2 minutes, and being hung up on by automated systems.

My complaint is twofold : there is no way to get help if an automated process glitches up in the middle from the original source of the issue because there are potentially a lot of places where it could glitch up ; and, when you try to ask the only source available in the chain, which, after all, is the one handing out the information, you get no help from the robots and no way to talk to the humans. I may have tried to order  another credit report through the voice messaging system while trying to reach a human being at Experian 's customer support desk. If that happened, then there is a third complaint that now my credit will be affected by this screw up and it will need to be adjusted accordingly This is why robots will be the downfall of civilization - bad sloppy lazy programming
Product: Debt collection

I do not recall using a doctor or hospital at the time of this debt, i have received many phone calls regarding this debt each time I've asked for a debt verification letter and a itemized break down of the debt. I've been told that they do not provide that information. I have never received any letters in the mail from Wakefield & Associates or the doctor regarding this debt even after requesting it via phone call. I don't know what I'm paying for if i don't received this information all they provide me with on the phone is my first name and the amount of the apparent debt owed. This has been on my credit for a year and still i have yet to receive the information ( debt verification letter and ITEMIZED breakdown of the bill ).
Product: Credit reporting

The debt is not mine because I am and was not responsible on the lease. the lease was wholly in XXXX XXXX name.
Product: Credit reporting or other personal consumer reports

( MISSING ACCOUNT ) -XXXX  XXXX XXXX XXXX XXXX Open Date : XXXX. XXXX, XXXX Account # : XXXX XXXX XXXX : {$53000.00} Updated Balance : {$48000.00}. ( INACCURATE STATUS ) -XXXX  XXXX XXXX XXXX opened : XX/XX/XXXX Account # XXXX Original Balance : {$62000.00} Status : Paid/closed ( XX/XX/XXXX ), i have proof of payment in full and it indicates the dates that shows I was never late and without your accurate proof of me having late payments I demand that you update my payment status to PAID AS AGREED NEVER LATE ( XXXX ) immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I sent a two dispute letters to Transunion for XXXX XXXX ( Account # s XXXX & Account # XXXX ). I received a response for Account # XXXX on X/XX/2017. I did not receive a response for Account # XXXX and the disputed item has not been addressed or responded to at all. I sent XXXX additional dispute letters on XXXX XXXX, 2017 for XXXX XXXX ( Account # XXXX & Account # XXXX ) this time by registered mail that were received on XXXX XXXX & XXXX, 2017 see USPS Tracking receipt attached. In the letter for Account # XXXX I noted that my dispute had not been address and requested that the item to be deleted for inaccurate reporting. On XX/XX/2017 Transunion responded that Account # XXXX had been updated. However, again I did not receive a response from Transunion regarding Account # XXXX, nor have any corrections or updates been made on my report. Its now been over 38 days since the receipt by Transunion of my 2nd dispute letter request for XXXX XXXX Account # XXXX ( sent by registered mail ). Ive yet to receive a response from Transunion or have any corrections or updates been made to my XXXX XXXX Account # XXXX. Based on the rules of the Fair Credit Reporting Act, Im requesting that XXXX XXXX Account # XXXX be DELETED.
Product: Debt collection

Dear Sir/Madam : My name is XXXX XXXX XXXX, and I thank the Consumer Financial Protection Bureau ( CFPB ) in its efforts to correct the wrong-doings of the collection agencies and credit information repositories. This is, may be, the only U.S. federal agency fighting on behalf of us the people. According to my friend and credit consultant, XXXX XXXX, occasionally you do a fine job. I suggest that you show our enemies, the debt collectors and credit reporting agencies, who the boss is here. Display your huge teeth and toughness to these no good, nefarious entities. 

This is a complaint I am filing against a debt collector who has violated the FDCPA, and may be even the FCRA rules and regulations. 

On XX/XX/XXXX, I sent a dispute letter requesting validation of an alleged debt to Hunter Warfield , Inc, a debt collection agency based in XXXX, Florida. To date I have received no response from them even though it has been way past the 30-day limit set by FCRA and FDCPA. I have proof of delivery ( on XX/XX/XXXX ) of my dispute communication to the above-mentioned debt collector. The derogatory, however, still remains on all 3 of my credit reports. The debt collectors in this country have no respect for the law nor do they fear any federal agency, including you the CFPB. The CFPB isn't tough enough with these scoundrels. The collection agencies are so cold-hearted and aggressive in their collection efforts that they make the XXXX and XXXX look almost like angels ; they are totally arrogant, unethical and dishonest. The people behind these collection agencies are very nasty people ; they violate the people's/debtors ' right every chance they get. 

Even the last name of this debt collector, XXXX XXXX, matches his aggressive, militant/warring like-manner of collecting debts. This guy XXXX XXXX must have come out from the wrong side of his mother ; he has no shame in showing his terrible face on his company website. Does he take pride in what he is doing? All debt collectors are like this scumbag XXXX XXXX, cold, heartless and compassionless. 
Who or what gives them the right and authority to do what they do? 

I humbly ask that you, the powerful federal agency, resolve this matter for me immediately as it is preventing me from obtaining credit and to move on with my life. 
Please order Hunter Warfield, Inc to delete the derogatory remark from all 3 of the credit reporting agencies pronto. 

Again, thank you very much.
Product: Student loan

I have been seeking instructions to pay from an overseas bank account for months. I have moved out of the US and do not have a XXXX XXXX account. I have tried seeking this information by email, by messenger on the Navient website, and by phone. When calling I am told they will look this up and call me back. I get no return call. Over email I get a form message that they can not give me information over email and to call. Over the Navient website messaging I get no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account.
Product: Debt collection

I received correspondence via email from Monterey Financial Services, LLC on XX/XX/XXXX stating they were trying to collect a debt that I owe to XXXX XXXX XXXX XXXX. It also stated on the correspondence regarding disputing that if I write to them by XX/XX/XXXX that they must stop collection on any amount I dispute until they send me information that shows I owe the debt. They stated that they accept disputes electronically via XXXX. On XX/XX/XXXX I submitted my dispute electronically to the email address provided. I received a response back from Monterey Financial Services via email on XX/XX/XXXX stating that my request had been received and would be processed in a timely manner. On XX/XX/XXXX I received an email from Monterey Financial Services, specifically from XXXX XXXX listed as ( Collections Representative ), stating " We will forward you proof of debt once received ''. It is now XX/XX/XXXX and I have not received any proof of debt from Monterey Financial Services. They have continued to report this debt on my credit continuously despite saying that collection efforts would be stopped until they send me information showing I owe the debt. They also frequently switch up on reporting the account responsibility. Some months it is reported as a Joint account and other months is reported as an Individual account, which the account in question is a Joint Account. 

Further more I did not receive any correspondence from Monterey Financial Services until XX/XX/XXXX which was Debt Collection Correspondence from XXXX XXXX on this correspondence she is listed as ( Account Representative ). The first line of the notice states " We have attempted to contact you on several occasions '' which is a blatant lie. I also received XXXX more emails dated XX/XX/XXXX which were also Debt Collection Correspondence sent from XXXX XXXX and also included similar wording on the first line stating they have attempted to contact me on several occasions, which once again is not true. From XX/XX/XXXX until XX/XX/XXXX I did not receive any correspondence from Monterey Financial Services, LLC, including the proof of debt I requested back in XXXX of XXXX. I realized Monterey Financial Services only sent correspondence in XXXX and XX/XX/XXXX after I disputed the item on my credit report to XXXX and XXXX, during and/or around those same months. I do believe without doubt that Monterey Financial Services would not have sent correspondence at that time if it had not been for me filing the disputes with the credit bureaus. They would have continued to report negative actions against my credit report, while at the same time not providing me the information that I had the right to ask for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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.
Product: Checking or savings account

This complaint was submitted to you. The copy of the paperwork PNC sent you and myself reiterates the fact nothing was explained to me whatsoever - I would have never signed a 7 year surrender schedule I'm XXXX yeas old. 
I was looking for guidance. XXXX XXXX took advantage of me. 
This paperwork they sent a copy of : I was thinking this was for the beneficiary. Nothing was explained to me. I thought I was agreeing to an 11 month annuity ( I didn't understand ) not a 2072 maturity date.

On this paperwork they sent : page 7 of 17 under line 11 they added : Client wants to put in place an investment with guaranteed roll ups ( I don't know that term ) and a guaranteed income when started. 
Page 15 of 17 option 1 says last line " I may begin receiving LIBR (? ) payments one ( 1 ) year after issue. I thought this was a Roth IRA rollover.

Page 2 of 17 under premium Allocation says S & P 2 year point to point with cap. 
I really did not understand that I was buying a life insurance policy - no one ever told me that. XXXX made it sound way different than what he sold me. 
Page 9 of 12 there is a check mark on Roth IRA There is a lot of missing information on this paperwork- it is not clear and they tricked me. 
The copies PNC sent are very dark.
Product: Credit reporting or other personal consumer reports

i have tried to reinstate my lexington law services/account but they refuse to and tell me to sign up from their website. But upon signing up i get a messege saying that they have a " problem accessing my credit reports '' i would love to be reinstated to Lexington law and be their client again for the same price as before.
Product: Student loan

I scheduled a {$2000.00} payment to be made on XX/XX/year>. It was not processed on that day and continues to accrue interest on the amount scheduled to be payed while the payment is processed and on weekend days when you can not make payments and they are also not processed.
Product: Checking or savings account

To Whom It May Concern, I am writing to file a formal complaint against Navy Federal Credit Union for their practice of imposing excessive return item fees. Recently, I have been subjected to a series of fees that collectively amounted to the entirety of my paycheck. This action has not only been unethical, but it has also caused significant financial hardship for my family and me. 

The imposition of such heavy fees in one instance seems to demonstrate a lack of consideration for the financial well-being of members. It is distressing that an institution, which should have the best interest of its members at heart, adopts such practices that appear to be predatory and indifferent to the consequences faced by its customers. 

I urge the Consumer Financial Protection Bureau to take my complaint into serious consideration and to investigate the fee structures and policies applied by Navy Federal Credit Union. It is crucial to ensure that consumers are protected from unreasonable and burdensome financial practices. 

Thank you for your attention to this matter. 

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

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON XX/XX/XXXX AND XX/XX/XXXX FOR MY XXXX XXXX  ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT FOR I HAVE BEEN A XXXX XXXX  MEMBER SINCE XXXX
Product: Credit reporting or other personal consumer reports

Credit bureaus did not respond ay all and according to FCRA in the first request they are suppose to in 15 days which they chose to ignore see request below.

Under 1681 U S C i ( 7 ) Method of verification-DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Also under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

Please send the following information used to validate the items below and show where I gave written permission to be on my credit report in the first place, otherwise delete from my credit report immediately or I will seek monetary damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : DPT EDXXXX XXXX Balance Owed : {$3700.00} ; XXXX XXXX  XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

My account has been restricted, I am not able to use my account, I cant touch the money I have in there because some information from XXXX XXXX XXXX was sent to navy federal and I need u guys to clear this problem as soon as possible
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against Experian for Failure to Correct Inaccurate Late Payment Reporting Dear CFPB I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account with XXXX XXXX, account number XXXX. Despite multiple requests for correction dated XX/XX/XXXX and XX/XX/XXXX, the inaccuracies persist, violating provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Details : High Balance : {$38000.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX ( XXXX and Experian ), XX/XX/XXXX ( XXXX ) Balance Owed : {$0.00} Account Status : Closed Payment Status : Current Account Type : Auto Loan Payment Frequency : Monthly Two-Year Payment History : XXXX : XXXX payments reported from XXXX to XX/XX/XXXX and XXXX to XX/XX/XXXX. 
Experian & XXXX : Late payments reported from XXXX to XX/XX/XXXX, XXXX and XX/XX/XXXX, and XXXX to XX/XX/XXXX. 
These late payment entries are inaccurate and conflict with the actual payment history I provided in my previous disputes. 
FCRA Violations : Under 15 U.S. Code 1681i, credit bureaus are required to ensure the accuracy of the information in consumer files. Despite providing evidence to correct these inaccuracies, Experian failed to conduct a reasonable investigation and update my credit report accordingly.

TILA Violations : 15 U.S. Code 1666b mandates that creditors send periodic statements at least 21 days before the payment due date. The reported late payments suggest noncompliance with this requirement, resulting in harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide accurate and timely statements to prevent unfair penalties. The continued inaccurate reporting indicates noncompliance. 
Desired Resolution : I am formally requesting the following actions : Immediate removal of the late payment notations for this account from my credit report with XXXX, Experian, and XXXX. 
Written confirmation of the corrections made to my credit file. 
Failure to resolve this matter promptly will compel me to escalate my complaint, including pursuing legal action and filing additional grievances with the Federal Trade Commission ( FTC ) and other relevant agencies. 
Thank you for addressing this matter promptly. 
Sincerely, XXXX XXXX XXXX