23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have requested 3 times for validation of debt. I have requested the following : agreement with creditor that authorizes them to collect debt, The agreement bearing my signature stating I have a greed to assume debt from collection agency, valid copies of debt agreement stating amount of debt and interest charges, Proof that statute of limitation has not expired, complete payment history on this account along with any additional charges being assessed, Proof they are licensed to collect in my state, and licenses numbers and registered agent. As of today the collection agency has only provided a letter and a copy of a bill from seller. Each time I request validation the collection agency continues to send me the exact same response. Per my consumer rights they have yet to validate said debt and legally must be removed from all 3 credit bureaus.
Product: Checking or savings account

I am a XXXX XXXX. I work for a XXXX XXXX XXXX  with no retirement plan. 

In XXXX XXXX  opened an online IRA account at TIAA-CREF. After a few trial debits, {$1000.00} was ACH debited from my checking account XXXX at XXXX XXXX to fund my retirement IRA. The debit was performed XXXX electronically. 

They mailed my deposit to me and denied opening my account in XX/XX/2022 for unknown reasons. 

I mailed the undeposited check of my funds BACK TO THEM VIA FIRST CLASS USPS along with proof of my address and identity. 

As of today, XX/XX/2022, my online account at TIAA CREF shows a XXXX dollar balance. It seems maybe TIAA CREF has lost their own check, and in the process, the {$1000.00} they took from me to set up my IRA. Please investigate and correct ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I closed my account with XXXX XXXX XXXX cell phone service and went with a different company after my contract was up. I never received a final bill, email, or simple phone call. Almost an entire year later I received a random letter via USPS from **XXXX XXXX ( acct number XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX** stating I owed a {$290.00} for a cellphone device balance, not even for my service. The day I received the bill I immediately called and paid the balance over the phone with a respresentative by visa in full. I kept questioning her asking why I never had any knowledge of this before collections, but she avoided the conversation. Since I have NEVER been late with any bills and I " had '' a credit score of over 800 I wanted this negative action immediately off my record. Little did I know that this would remain on my credit report and negatively impact my score. Had I known ... .I would have disputed this entire bill because I had no knowledge of it. thank you in advance for your help -XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Report Act XXXX XXXX  Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The XXXXdit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Date of XXXX : XX/XX/XXXX Please remove it from my credit report. 
6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX XXXX Account Number : XXXX Delete this account.

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a subscription with Equifax, I currently pay {$17.00} per month to be able to pull the score and report. I actively pull the report and score because Equifax has caused serious issues with my report. In the past I have complained because they split my report into and it was XXXX to get it back together. When I complained about the report being split they blamed me, which is bizarre since it should be them controlling their software. So now I check my score and report often. Friday went to pull my report XXXX XXXX 2017.. it showed an error message. I repeatedly called and asked them to resolve the issue. First they started to blame me and said it was my fault I pulled my score too often. Yet that is the actual product they advertise. It stated pull your credit score and report daily. You 're supposed to get a daily update, if you choose to. If that was the problem why would you advertise that? Is my firm belief that they have some serious offer issues. And that perhaps they need is serious upgrade. I 've not been offered quick resolution, nor have they agreed to reimburse me for the almost week and I 've been able to use the service. Sadly with Equifax my score changes radically and constantly. I 'm in the middle of a mortgage process and that is unacceptable. I 've done my due diligence to clean my credit report from any discrepancies and to make sure that I have good credit habits. It is my right, to have FAIR reporting. Why does Equifax seem to have such a hard time doing their job? Every customer care person I speak to you seems to have a different story as to what the problem is and why it 's happening. Last person tryied to get me to upgrade my subscription! He wanted a credit card number, really?! It already is n't working why would I pay you more. I expect it fixed quickly and I expect a refund for the time when I was in able to use the product! I 'm not expecting a lot from this complaint because in the past you have n't done a thing. hopefully you actually demand some sort of response and accountability. I 'm disappointed, because like we do n't have anyone protecting us. Unless we become litigious. Which I prefer not to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity may have been compromised in the Equifax hacking. This is incredibly concerning.
Product: Debt collection

I have n't used my M & T Bank checking account in over a year. They would n't let me close it, because they said I had walk into a branch to do it. I was n't able to go to a branch because I moved over 1000 miles away from the closest M & T Bank branch.

Over three months ago, there were fraudulent charges on that account. The account had a XXXX balance, so the credit card that was tied to the account was charged as a result of the overdraft protection.

I disputed the fraudulent charges on the checking account and M & T resolved that issue after about a dozen calls with customer service. I 'm still receiving notices that I owe money on the credit card, and I was notified that I 'm being sent to collections. I 've had an additional dozen calls regarding the credit card issue, and I 'm being told that they 'll " research it '' and get back to me. Meanwhile, the credit card issues has already been communicated to the credit bureaus.
Product: Checking or savings account

Investigation report fabricated by Flagstar bank located in XXXX XXXX area investigation was not thoroughly investigated upon investigation for aggregations of me taking money out of ATM evidence shown it was not me as well as the one who Deposit checks fail to follow through investigation and result close account was disputing a return of {$10000.00} credit in terms of bank statement ending XXXX XXXX XXXX XXXXXXXX locations branch XXXX XXXX XXXX XXXX mi XXXX I am demanding a full investigation of results and a return of credited bank statement back upon investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- is reporting the wrong name on my report, I have sent out several certified letters ( for them to investigate and mail me back findings. I not received any response nor have they removed this information. They are reporting a name that is not mine and I have never had account open in this name. They also reporting unauthorized inquiries on my report which i asked to investigate but they referred me to dispute with CFPB. I also want an investigate on collection and mail back findings. 

Equifax- keeps reporting a medical debt in collection that I asked to be investigated and is under {$500.00} which from my understand medical debt can not be reported under {$500.00}. Investigate investigate all unauthorized inquiries and investigate collection and mail back findings. 

XXXX investigate all unauthorized inquiries and nvestigate on collection and mail back findings.
Product: Debt collection

I have a fraudulent collection on my credit report from a company called " Spring Oak Capital LLC trying to collect a debt on a credit card that was fraudulently opened in my name. The original credit card was with a company named XXXX XXXX XXXX XXXX XXXX in which a payment was NEVER made on the credit card at all. This debt was sold to Spring Oaks Capital LLC and I disputed this debt with both XXXX XXXX XXXX XXXX XXXX and also Spring Oak Capital LLC numerous times along with providing them police reports and other proof this is not my debt. They refuse to delete this debt off my credit report. Once again a payment has never even been made to this card and I provided a police report and they are still reporting on my credit report. I lost my wallet with my Driver License and Social Security card in which I filed a police report with in Illinois and after that Ive been battling with being a victim of ID Theft. I attached a copy of the police report I originally lost my Wallet which contained my Drivers License and Social Security card and also the police report disputing this Spring Oaks Capital LLC collection as fraud due to ID theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a validation letter, on XX/XX/XXXX I received a response back stating that their " validation '' shows that the debt was mine. ( please see attached letter ) they provided me with something typed from their office, without any proof of this belonging to me. XX/XX/XXXX I sent a letter to basically tell them they failed at the validation and they needed to cease and desist with the collection unless they provided me with proof of contract, when the services occured, what the services were for, etc. on XX/XX/XXXX they responded with a letter stating this was a duplicate request. They are in violation of FDCPA, Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ). As well as failing to Cease and desist. Ive attached all correspondence from myself and AFNI
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information was found on my consumer report. I then sent a 1692g request to American Credit Acceptance. The company received the request on XX/XX/2018, at XXXX XXXX. The company failed to reply to the 1692g request and continues to report inaccurate information to the consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. these items which I believe to be fraudulent and misleading needs to be dealt with immediately. 
Here are the aforementioned items : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally procted consumer and i have right under the Fair Debt Collections Practices Act ( FDCPA ), Fair Credit Reporting Act and the Gramm-Leach Bliley Act. Upon checking my consumer report I notice that CARECREDIT shared, provided or transfered my nonpublic personl financial information without my consent or lawful authority which is a violation of my consumer right to privacy. 

It is a Fact, I did not consent to or authorize nor do CARECREDIT have lawful authority to report, provide, share or discolse to any nonaffiliated third party any nonpublic personal information without my express written consent or lawful authority. 

It is a Fact, CARECREDIT have a obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers nonpublic personal information. 

It is a Fact, CARECREDIT have failed to safeguard my nonpublic personal financial information pursuant to 15 USC 6801 ( b ) ( 1 ) ( 2 ) ( 3 ).

it is a Fact, CARECREDIT have violated my consumer rights pursuant to 15 USC 6821 ( a ) ( 1 ) ( 2 ) ( 3 ). 

It is a Fact, CARECREDIT is in violation of my consumer rights to privacy pursuant to 15 USC 6823 ( a ) Whoever knowingly and intentionally violates, or knowingly and intentionally attempts to violate, section 6821 of this title shall be fined in accordance with title 18 or imprisoned for not more than 5 years, or both. 

Regards, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, a visit to XXXX XXXX XXXX had taken place. Insurance information was provided, Full Coverage XXXX, and it was said that no balance was owed. The hospital never reached out via mail or telephone regarding a balance. On XX/XX/XXXX, the account was sold to Amcol Systems Inc. of XXXX XXXX XXXX. XXXX SC, XXXX with a balance of {$1100.00}. The collection account was then added to a credit report, which in how the whole situation even came to light. The collection agency was then reached out to in regards of just gathering information on this collection account. The representative that was spoken to was extremely rude and disrespectful, using obscene and abusive language. When asked to locate the collection account under the social security number of the accused individual they could find ZERO accounts under that social security number. They had to search between different variations of names, telephone numbers, and addresses to even locate an account under the individuals name. When asked to provide documentation to the individual the representative was very hesitant in response, said that it would be sent out, but nothing was ever received. The individual has filed disputes against the collection account with XXXX and XXXX which have resulted in nothing. The individual has also reached out to XXXX, in which XXXX stated that the individual did indeed have Full Coverage XXXX at the time of the visit on XX/XX/XXXX and that they would gladly provide that information. Though, they will not be willing to pay the bill off because you can not file a claim with XXXX if it has been over a year from service. The individual is now reaching out to Consumer Financial hoping to have this reconciled and removed. The bill should have been billed to insurance, the collection account is not tied to the correct social, and the representative was rude and obscene. The contracted was also canceled when the account was sold and wrote off to the Collection Agency via XXXX XXXX XXXX, therefore there is no contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting INCORRECT INFORMATION. CAR MAX is reporting that I have 45 charge offs?!!! That is impossible! It's is only reporting on XXXX
Product: Money transfer, virtual currency, or money service

All my money 's and assets are missing and Coinbase can't explain where it is
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I'm sending this complaint without any help from any Credit Repair Companies. My request for the correction and removal of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 DEPT OF ED Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021
Product: Bank account or service

I sent BBVA Compass Bank Auto Loan Department a Promissory Note, in accordance with the Uniform Commercial Code, as a Security Negotiable Instrument, Legal Tender by Law, to pay off the remaining amount that was left on our car loan, to receive our car title. The legal tender was sent over night express mail, and received by BBVA on XX/XX/XXXX, and signed for by XXXX XXXX. XXXX has not bothered to respond to the Promissory Note that I have sent them, which is asset for a Bank, and I specifically stated in a legal notice, that I sent them along with the Promissory Note ; that if they refuse my Promissory Note, to send it back with a written explanation as to why BBVA is exempt from Legislation. XXXX did not respond, nor apply my Legal Tender to pay off our debt, and they kept my Legal Tender, which is asset for them, that can easily be monetized by them. The UCC states, that if Legal Tender is refused, then their is discharge of the debt, and the Federal US court appeals ruled on Title 31 USC 5118 ; that the requirement to repay a debt in the form of coin or currency or legal tender is against Public Policy, since money, as in the Federal Reserve Notes that we use as money ; means a promise to pay, according to the Banking dictionary 4th addition ; and that a repayment for a debt only needs to be made in equivalent kind ; a Negotiable Instrument, which is a Promissory Note. As a Private Banker, in accordance with the Black 's Law Dictionary, I have a right to use a Promissory Note with the Banks to pay off a debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

ORIGINAL LOAN was through XXXX XXXX XXXX when I was married to my former wife. I left the house to her. I never received any documentation that the home was being foreclosed on nor received any letter about a second mortgage. My account was later closed with XXXX XXXX XXXX, and then XXXX XXXX took over the balance. My credit report still shows owing $ $ for both companies and although they are all labeled as closed, XXXX XXXX keeps adding money on what I supposedly owe. There is no date of last payment and both accounts are 11 years old.
Product: Debt collection

I have been an XXXX customer since it acquired XXXX XXXX in late XX/XX/XXXX 's. I have had the same cel phone number since XX/XX/XXXX. I have added lines since then for my family and business. I have always paid the bill, never had the service cut and have always worked through issues or discrepancies with the company. Somehow, XXXX claims there is a XXXX balance from several years ago. Keep in mind my monthly cel phone bill averages over {$500.00} a month. I called XXXX and disputed the charge. I was under the impression that the matter was resolved and that it was an accounting error or misapplication when the account was reassigned to a new representative and switched to a business account. At some point I was contacted by a collection agencies and explained this and the matter was not reported to my credit report. I disputed and assumed my dispute was communicated back to XXXX who verified my position and I never heard back from that agency. Then several months later I was contacted by Diversified with the same claim. I disputed it. Then they reported it as in collections. I contacted Diversified and they said they verified the debt with XXXX. They never presented documentation that I owe this or that XXXX did in fact verify something that I had understood to be resolved in my favor. Now this mark is listed as in collection and is impacting my otherwise very good credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account NameEXETER FINANCE XXXX   Account Number680681XXXXXXXXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$22000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$13000.00} Balance UpdatedXXXX Recent Payment {$1400.00} Monthly Payment {$0.00} Original Balance {$21000.00} Highest Balance {$0.00} TermsXXXX Months On Record UntilXXXX XXXX
Product: Mortgage

My mortgage company, by default, is Selene Finance. I had never missed a payment until last fall ( which was due to greatly decreased income as a result of having to retire on XXXX ). I tried to get caught, but they would not take my payments. I applied for and reciev d ( in XXXX ) a grant from XXXX XXXX XXXX in the amount of XXXX. I have been trying to work with SF sorry nce them to get them to accept the grant money and modify my loan an. They did not send me the paperwork until XXXX, which I returned by the end of the month. 
Meanwhile, theyve been sending methreatening letters, charging me late fees and further interest. Today I finally recieved another bill from them, in which they have accepted the money, but the staement says I owe XXXX months, XXXX late month with added fees, but they have not sent a loan modification, or lowered my monthly payments.