23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I 've been getting calls from a Pioneer Credit Recovery ( a Navient Company ). They are continuous all day long. They say they are collecting on a student loan. They are harassing relatives of mine that have nothing to do with this. They are obtaining private unlisted numbers somehow. I did a little research on this company and it seems they lost their contract to collect on these loans because of their collection practices. So how is it that they are still operating? I would also like to send a written cease of communication notice to them but do n't have an exact address to send it to. They have several offices. I get calls XXXX. Is there a main/corporate office that I should mail the written cease of communication to? They have never sent me anything in writing about this matter at all, so they obviously have an old address although I 've lived at my present address for 9 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

So XX/XX/XXXX i went to the post office and i sent in a few documents regard identity theft to XXXX XXXX and Transunion. Until this day i still haven't receive an update to what is going on. I dont normally check my credit but when i did i saw a handfull of fraudulent accounts on my credit report. I have never done busines with these companies.I have been getting alerts saying my email and social have been compromised. When i called the credit bureaus they said that they need an FTC report. I have attached the FTC reports with my Drivers license and social.
Product: Checking or savings account

my personal information was hacked and my bank account l need to open account l need help to remove the negative l need help l want to open a checking account for my savings and purchases
Product: Credit reporting or other personal consumer reports

a collection appearing on my credit report from MCM midland credit management is appearing on there as a OPEN account but yet I have no idea about the balance as i have never had a account with a balance of that amount. I do not agree with this as The debt may belong to someone else but not myself. If this can be looked into it would be appreciated. 

XXXX XXXX
Product: Credit card

I had multiple transactions made fraudulently. I was traveling from Florida to New York and my apple pay was hacked while I was in the airport on XX/XX/XXXX. While I was in NY my apple pay was used in another state on XX/XX/XXXX in the amounts of XXXX, XXXX, XXXX and again on XX/XX/XXXX for XXXX. There was one other transaction that was also made and that one was approved as fraud, while none of these in the same bunch were. I spoke with multiple agents on multiple dates, the cases have been reopened several times only to be redenied for " lack of evidence ''. I sent them my flight reservation showing that I was in NY at the time of the fraudulent purchases and also from my actual transactions that were not fraud you can see that I was in NY at the time. I searched the businesses with the address information they gave me and a simple XXXX search shows that the businesses are not actual businesses, the address listed is a XXXX. I did not make these purchases and reported the fraud as soon as it was seen, one while it was still pending. The most recent case numbers are XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( XXXX ). I did not make these purchases as I was not even in the same state and I had my digital wallet with me in NY, it was hacked, XXXX had to reset the digital wallet number, all which has been explained many times to the creditor.
Product: Debt collection

Dear CFPB, I requested information from a law firm representing the bank/creditor to verify a credit card debt they are alleging I owe - and they did not supply all the information and much of what they supplied was false and inaccurate. 

Please initiate an investigation and advise me as to the next steps to be taken. 

Thank you
Product: Credit card or prepaid card

First off .... I am A-B-S-O-L-U-T-L-E-Y DISGUSTED with Barclay offshore support that further exacerbated problems when representatives that fail to grasp the English language. 
XXXX I had 2 transactions decline on XXXX for {$50.00} ... I log into my account and see I have a balance of {$290.00} of a {$500.00} credit line.. Called about XXXX XXXX to get explanation. 

The 1st level person stated there was a {$110.00} charge to XXXX, but I do not see in in my account, neither posted nor pending. Several issues turn up with her ability to address this matter ... But nonetheless, I see an error in a XXXX charge and ask to dispute.. The lady transfers me to ANOTHER person that does not fully grasp the English language. 

Long story short, I got so frustrated with this language barrier ... I cussed her out and hung up the phone ... DISGUSTED!!! 

My XXXX  charge should have been {$55.00} as shown in previous months..??
Product: Credit reporting or other personal consumer reports

I am fling a complaint against XXXX, XXXX and TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

XX/XX/XXXX mailed my original letter XX/XX/XXXX the mailed me the breakdown of my services and that's a hippa violation XX/XX/XXXX mailed hippa letter to them and they signed for it XX/XX/XXXX XX/XX/XXXX heard nothing back XX/XX/XXXX mailed them a letter and they signed for it on XX/XX/XXXX ( currently waiting )
Product: Credit reporting or other personal consumer reports

Thisauto loan does not belong to me. My credit report shows it was opened on XX/XX/2023 and has a balance of XXXX.
Product: Checking or savings account

XX/XX/XXXX thru XX/XX/XXXX tried to use atm card from my new money market savings every time it said error has occurred contact financial institution I tried it 2 times and called bank they said no problem with account try again I did but still no money disbursed I called bank after I saw bank statement they made provisional credit but XX/XX/XXXX got XXXX letters saying XXXX our investigation determined a error has occurred and claim has been resolved.The provisional credit made final.Other XXXX said no error occurred. The documentation verified that you authorized the transaction. We will debut on fifth business day after letter which came XXXX deducted XXXX same thing happened I did not receive any money. It also happened XX/XX/XXXX for {$900.00} and XX/XX/XXXX XXXX XXXX for another {$1500.00} have not received any these please help me
Product: Checking or savings account

I received an email on XXXX  regarding a Checking account opening being declined that I did not open myself under US Bank. I called the bank asking if this was an issue regarding me current account and they stated it wasn't, and they felt the activity looked fraudulent and sent me to the fraud liaison to speak with them. After providing them more information, and giving them the application ID that was included in the email, they stated that the number did not look right, and that someone must have stole my SSN and tried to open another account under my name.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelle 's approach to handling disputes, especially in light of the recent CFPB lawsuit that highlights critical issues with the platform. Despite being a frequent Zelle user and reporting discrepancies, my claims were not adequately investigated by my financial institution or Zelle. I was informed that recovering the funds was not possible. The CFPB 's findings reveal that Zelle has failed to protect consumers and has allowed repeat offenders to exploit the platform, leaving users vulnerable to scams. This lack of accountability and transparency is deeply concerning and raises serious questions about consumer safety
Product: Vehicle loan or lease

I enrolled in autopay with GM Financial for our leased vehicle loan. I was " kicked out '' of autopay 3 times without my consent. Each time I realized I was " kicked out '', I reenrolled immediately. My account was marked late 3 times and late fees assessed. It has affected my credit score significantly. 
I have a new GM Financial lease now and it is proving to do the same thing. I think they either have a faulty system OR they are purposefully trying to collect late fees.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Reporting this collection account within my consumer/credit report is a form of communication. 
I, the consumer, have not given XXXX XXXX XXXXXXXX XXXX prior consent to contact me. 
In addition, I have sent numerous communications stating I am refusing to pay this debt. 
I, the consumer, never gave the original creditor, XXXX XXXX XXXXXXXX XXXX, Experian, XXXX, or XXXX written permission or consent to obtain my information or to furnish my information.
Product: Vehicle loan or lease

I am a XXXX employee and have been furloughed many of times in which I notified Bridgecrest and was giving a plan to put payments on the back end of my loan and pay them. However, the payments have been and are reflecting 30 and 60 days late which is incorrect. I have since then not missed a payment and have paid off the loan in its entirety.
Product: Credit reporting

Experian and XXXX refuse to take a bad credit line off while XXXX XXXX did. The trade line is XXXX Bank. This is over 7 years old and needs to come off. My disputes with them have not resulted in any action.
Product: Credit reporting or other personal consumer reports

I was aware that I was a victim of ID Theft in XXXX of 2021 while I was out of the country on a government assignment. I disputed the accounts and have not received an answer with XXXX, XXXX, or Experian. the following accounts are due to fraud. Please remove. 

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 card

This is a surge card. I have 2 cards with Continental Finance the other is my XXXX, which is reported current. I recently put both cards on the SHORT TERM hardship program for XXXX a month. NOW REMOVED after paying until XXXX. The card with the issue is ending in XXXX. I did this because I was in the process of enrolling in debt consolidation with XXXX XXXX XXXX as they do not require me to be delinquent to enroll. When I called customer service on XX/XX/XXXX she offered me the short term hardship program. I was very clear and asked several times if by me joining will the program affect my credit, she said NO. I also called again to confirm with another rep, she said the same thing. These calls are recorded so I asked XXXX to please check the calls to confirm what I am saying. I get notified that they reported me 30 days past due on XX/XX/XXXX. I asked about this and was assured it would not happen. It did happen. This is on a recorded line. I also made a payment on XX/XX/XXXX. I called back in XXXX and I was told it satisfied the payment for XXXX because I WAS enrolled in the program at XXXX a month. I would not have joined the program had the previous reps told me what the rep told me on XX/XX/XXXX, which is it dings your credit for 90 days. That does not help me but definitely HURTS ME. I have disenrolled from your hardship program and paid up to XX/XX/XXXX which was the XXXX ( not enrolled in the program ) which is what the rep said on XX/XX/XXXX. I did a credit dispute that was done and they did not change anything. Emails were sent to the back office ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX No response at all. The last email was sent today XX/XX/XXXX. This email was sent to follow up and because I spoke to a rep that told me this was my fault that this happened and oh well. He did not answer any questions I asked, just got quiet on the phone and kept trying to redirect the conversation to my over limit amount. I understand I was/am overlimit, but the minimum was always made UNTIL I was offered this short term program that HURT me and my credit rather than helping. My issue is that I was told my credit would not be affected if I signed up and it was. All I want is for them to remove the 30 day past due and honor what the rep ( s ) their employees told me as I called more than once to confirm credit is not impacted by enrolling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the validity and accuracy of the charged-off accounts that your agency has reported on my credit file. I believe that these account are in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX state of MichiganXXXX  Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The Fair Debt Collection Practices Act ( FDCPA ) is a federal law designed to protect consumers from unfair, deceptive, and abusive debt collection practices. I believe that your agency 's reporting of this charged-off accounts has violated several provisions of the FDCPA sectionSection 807 ( 8 ), of including but not limited to.Accuracy of Information : Section 807 ( 8 ) of the FDCPA requires debt collectors to ensure that any information they report is accurate and not misleading. It is my belief that the reported charged-off account contains inaccuracies, and as such, it should be promptly removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account capitol one has violated my rights. 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666b : a creditor may not treat a payMent on a credit card account under an open end consumer credit plan as late for any purpose ACCOUNT NUMBER IS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT. 
National Credit Adjusters is reporting an account with the INCORRECT ACCOUNT NUMBER, thus all three bureaus are reporting on this item incorrectly. The account number XXXX. The collection was originally through a lender called XXXX. Nation credit adjusters, however, only reports with their reference number XXXX. Because of this error, XXXX  reports the item as Open and active in collections. XXXX  reports the item as a Charge Off, meaning that I still owe money for the account. XXXX  still shows the account as Open in collections. This account should not be displayed as Active or Open in collections. It should be Closed. I should have zero accounts active or open in collections. It should be displayed as Paid In Full, not as a Charge Off. I have been trying to refinance my mortgage and this issue being displayed incorrectly is causing me undue financial stress. I do not want to have to file suit under the Fair Credit Reporting Act but its at the point where theres no other option.
Product: Credit reporting or other personal consumer reports

For the past XXXX XXXX  I have been challenging this bankruptcy due to inaccurate verification. I was told by the courts after paying in full it wont show as a judgement because they dont report bankruptcies. Shortly after it appeared on my report. On and off for the past few yrs I have been challenging this by asking to remove because if inaccurate verification. I also sent a letter from the bankruptcy court that they dont report and a letter from XXXX XXXX that they had no information on me in their database. The last dispute was last month and Transunion responded that the information was verified accurately which isnt true. Im asking for help to get this matter resolved and it be removed from all agencies. This is stopping me from purchasing property, getting lines of credit and other things I need in life to better my self.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I have unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX My correct name is XXXX XXXX. Please remove these variations of my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My current telephone number is : ( XXXX ) XXXX. Please remove these numbers that I have never belonged to me : ( 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 My correct social security number is : XXXX. Please remove SS # XXXX. I have never used this number. 

I am self employed and the name of my XXXX is XXXX by XXXX. XXXX remove the other variations : XXXX XXXX XXXX, XXXX XXXX, XXXX My correct address is XXXX XXXX XXXX, XXXX, IL XXXX. Please remove the addresses listed on my credit report I have never lived at or may belong to a relative. Please remove : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Debt collection

I got a new phone number a few months ago for a cell phone. Nationstar Mortgage XXXX which is a debt collector ) keeps calling the number up to several times a day. I have told them I just got the number, do not know the person they are seeking, and please stop calling my number. XXXX person claimed they put in the system to stop calling me. It has been two weeks or more and they are still calling me. Today A person at Nationstar asked for a woman 's name. I said I do not know who it is and please stop calling me it is harassment. He said he would remove me from the system and started to hang up. I said hold on, I have asked them a few times to do that and they never do. He said XXXX or XXXX words then hung up in mid-sentence. That was XXXX. I called back the number on caller ID and spoke to a receptionist or someone. She put me on hold came back to the phone and said she was adding a note not to call my number. XXXX the same day a woman called with XXXX caller ID displayed. I said hello. She said hello mirroring what I said and same mannerism. I said hello again and she did the same thing again sounding amused. She hung up.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, I request that the following accounts be blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Accounts to be blocked and deleted : XXXX XXXX ( formerly XXXX  ) XXXX XX/XX/XXXX {$3800.00} XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$980.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$4400.00} XXXXXXXX XXXX XXXX XXXX  {$4400.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4400.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XX/XX/XXXX {$150.00} XXXX  XXXX XX/XX/XXXX {$23000.00} XXXX  XXXX XX/XX/XXXX {$850.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$6900.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$6.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : Credit XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.