23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted today by XXXX ( extension XXXX ) from XXXX XXXX XXXX ( XXXX ) and advised that she was calling in an attempt to collect a debt. Knowing I have no accounts in collections or accounts with debts owned on my credit. I could only assume this involved the previous debts I disputing with High Point Assets in previous CFPB complaint XXXX and XXXX. XXXX confirmed the XXXX accounts had recently been purchased and wanted to know when I would be making payment. I advised the her company purchased fraudulent debt and the amount I was being accused of owing was already in dispute with the FTC and the XXXX, and issued her complaint numbers. She did not care. High Point Assets was never able to validate the debt they said I owed yet were able to sell this supposed debt to another agency. I humbly ask XXXX to break this cycle of buying and selling fraudulent debt and resolve this issue once and for all. In the mean time I will be issuing a certified letter to cease and desist communication attempts.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Credit Acceptance Corp. regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken the appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach- Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 

On XX/XX/year> I notified Credit Acceptance Corp. that I am opting out of any and all authorizations, written, non-written verbal or non-verbal for the sharing of my nonpublic personal information with non-affiliated 3rd parties, including consumer reporting agencies for any purpose other than those necessary to provide me with financial products of services.

I provided this opt out notice in accordance with the legal requirements outlined in 15 USC 6802, and I have retained documentation of my communication with Credit Acceptance Corp.

Despite my efforts to request an opt out and me asserting my rights under GLBA, I have reason to believe that Credit Acceptance Corp. has continued to furnish my non public personal information to non-affiliated 3rd parties and consumer reporting agencies without my consent.

The unaurthoirized use of my personal information constitutes a violation of my privacy rights and breach of federal law. I am concerned about the potential consequences of this unathorized sharing, including the potential for identity theft, fraud, and other financial harm.

I would appreciate it if the CFPB can investigate this matter thoroughly and take appropriate action to ensure that Credit Acceptance Corp complies with all federal regulations and laws, including the GLBA to protect privacy and security of consumers like myself.

I would also appreciate updates on the progress of this investigation and actions taken to address the violations committed by Credit Acceptance Corp. 

Please feel free to contact me at XXXX or email me at XXXX if you require any further information or documents to proceed with the investigation.
Product: Debt collection

All credit cards were closed in XXXX. Any charged off debts too. I battled XXXX 2x and closed all cards. My attorney at the time was mr XXXX XXXX. XXXX passed away in XXXX. He told me to always protect what he did for me. I was a XXXX patient at XXXX and remain for rest of my life at XXXX XXXX XXXX of NJ. This is not the 1st time in 10 years now 13 that XXXX XXXX purchased charged off accounts. In this case XXXX XXXX. They were paid thru my attorney many years ago and must cease and desist. Please remove my name from any further info. They also failed to give amount or account number and I too never heard from the creditor once the account was closed. Please cease they are going too far. If you call the XXXX XXXX XXXX XXXX it goes to an 800 number for a company on pacifuc time zone called MCM. I can not be harassed nor garnished from XXXX on debts closed and settled. It must stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX - XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Department of ED / XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX  XXXX has violated my rights. 
XXXX  XXXX XXXX has violated my rights. 
XXXX XXXX - XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX ) has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX has violated my rights. 
XXXX XXXX XXXX  has violated my rights XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
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 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: Debt collection

This debt collector has no right to collect a debt or furnish a report on my consumer report according to the laws listed in my letter.
Product: Credit reporting or other personal consumer reports

I am currently financing my vehicle through Arivo Acceptance, and I must express my deep dissatisfaction with their customer service, which I find extremely disappointing. Furthermore, their XXXX XXXX XXXX XXXX XXXX XXXX rating is shockingly low, standing at a mere 1.8 out of 5 stars. 

My primary concern revolves around Arivo 's failure to update the credit bureaus since XX/XX/2023, despite the fact that it is now nearly XX/XX/2023. This situation is wholly unacceptable, particularly because I am currently in the process of purchasing a home with my fianc. To maintain a favorable financial standing, it is imperative that Arivo promptly and accurately reports my payments to all three credit bureaus on a monthly basis.

I firmly believe that there is no excuse for Arivo 's inability to fulfill this basic obligation. As a conscientious borrower, I consistently meet my monthly payment commitments, and it is only fair that Arivo, as a reputable financial institution and lien holder, operates with the same level of professionalism and responsibility. Therefore, I urge Arivo Acceptance to take immediate action to rectify this situation and ensure that my credit history is accurately and consistently reported to the credit bureaus moving forward. This is essential for my financial well-being and my ability to secure a home for my family.
Product: Credit reporting or other personal consumer reports

XXXX has reported my account as delinquent/not current from the months of XXXX XXXX, XXXX XXXX, and now ( as of this morning ) XXXX XXXX to Transunion. Payments made in XXXX XXXX and XXXX XXXX were never late ( all made on time ) and were successfully removed from my Transunion report after multiple disputes. XXXX has a history of lying about when payments are due and when they will report them to the bureau as delinquent. I have asked for documentation and receipts to which they say they will not discuss with me further due to my complaints made to the CFPB. I have successfully submitted complaints and have previous delinquencies removed from my account in the past ( XXXX of XXXX XXXX XXXX ) due to their inaccurate reporting. They tell me they will " escalate '' the situation yet turn around and tell me they can not comment due to my reports to the CFPB. XXXX is a predatory lender who is careless with their reporting and seek to make angry consumers like myself go away simply by ignoring my complaints to them. I have proof of payments being made on time, yet they are constantly reported as being made a day later or past the cut off time for payment acceptance for the day.
Product: Debt collection

I was first off work XXXX under doctors care. Now on retirement XXXX. I pay for my insurance thru pay.gov. Keep reviving notices that you owe more on medical insurance. You call the Treasury about notices 4 or 5 different times. The person you speak to say no you do not owe what letters are saying. That the balance due on their end is XXXX. They letters have said anywhere from over {$700.00} to recent letter from debt collector for XXXX. When talking to Treasury you had small payments request that were paid on time. Every time you have called the amounts on letters didnt match what they had. One time they said they you owe approximately {$36.00}. Which I immediately paid thru XXXX. Another time they saw that I supposedly owed {$47.00} dollars which I immediately paid thru XXXX. Every time I called they did not know why the Treasury dept was sending letter for large amounts. Again they saw zero owes. I was told everything is fine and disregard the letter. Last letter received was notice of a top pay off (? ) again I was told to ignore it as it was not correct. So I have to the best of my ability kept in contact and paid to keep my insurance current. I have receipts and have provided them to treasury multiple times. And they say nothing is owed everything is fine. When I asked why I keep getting letters they say they dont no and give different reasons why they letters were sent in error. Maybe they were sent before adjustments were made etc. 
Monday XX/XX/XXXX  I received a letter from Transworld Systems , Inc. A debt collector. They said total amount of debt now due is {$660.00} I have no idea why this was turned over to debt collector or why I owe this. I have been in constant contact with Treasury. 
Says Treasury Account Number XXXX Treasury Case number XXXX Referred from Bureau of The Fiscal Service XXXX account number is XXXX
Product: Debt collection

REQUEST DEBT VALIDATION In accordance with the Fair Credit reporting act this creditor has violated my rights. I have a right to privacy, A consumer can not furnish an account without my written instructions. Consumers also have rights under the Fair Debt Collection Practices Act ( FDCPA ), a separate federal law that regulates the practices of debt collectors. Under the FDCPA, the collector must provide me with certain information, including a written verification of the debt, if requested. original contract copy of billing payment statement
Product: Checking or savings account

CHASE BANK DENIED CLAIM ON XX/XX/XXXX CLAIM WAS MADE ON XX/XX/XXXX DUE TO A TO A CHARGE ERROR ON CHASE BANK ACCOUNT. CHARGE OF {$700.00} WAS SEEN ON ACCOUNT FROM XXXX XXXX XXXX XXXX. CONTACTED CHASE AND CLAIM WAS MADE. 

CLAIM WAS DENIED ON XX/XX/XXXX CONTACTED CHASE AND REP. SAID CLAIM WAS SUBMITTED INCORRECTLY BY LAST CHASE REP. WILL SUBMIT NEW CLAIM AS FRAUD. 

CLAIM DENIED AGAIN ON XX/XX/XXXX CHASE STATED CLAIM DENIED DUE TO MANY OPEN CLAIMS. TRANS WAS FRAUD WHY IS CLAIM DENIED
Product: Checking or savings account

Beginning in XX/XX/XXXX to the current month of XX/XX/XXXX, M & T Bank has been charging overdraft fees for charges on my debit card despite the fact that I have opted out of overdraft protection. 

I contacted M & T through their message portal. M & T confirmed that I had opted out prior to these charges but declined to reverse the fees. They did not provide a reason for their failure to reverse the fees. 

I understand banks are allowed to charge overdraft fees for certain types of charges regardless of opt out status, however these charges do not fall into those categories.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information on my credit report being reported by XXXX XXXX XXXX for multiple accounts beginning in XX/XX/2020. This company has failed numerous times to provide the documents required by law to validate the alleged debt in question. They have not provided any signed documents and have sent letters that notify me that they have only contacted the creditor. This is NOT what is supposed to be done per the FCRA. 

Experian, XXXX  and XXXX has continued to report this invalidated information which is a direct violation of the FCRA. 

XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX has continued to report this invalidated information as well. XXXX has failed to provide the proper documentation. I have disputed these accounts with the bureaus directly AND with the creditors and keep receiving letters without validation, and asking me to provide documents to correct their files.
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to express my deep concern and frustration regarding the permanent limitation imposed on my PayPal account, associated with the email address XXXX. I firmly believe that this limitation has been placed in error and I have not violated any PayPal policies or engaged in any unauthorized activities. 

Firstly, I want to emphasize that I have been a loyal and responsible PayPal user for a considerable period of time. I have always conducted my transactions in accordance with PayPal 's terms and conditions, ensuring the security and integrity of the platform. Therefore, I am genuinely surprised and disheartened by the decision to permanently limit my account. 

I kindly request that PayPal re-investigate my case thoroughly, as I believe this action was taken without a clear understanding of my account activity. I am confident that upon careful review, it will become evident that there have been no policy violations or any actions that warrant the permanent limitation of my account. 

My PayPal account is not only essential for my personal financial management but also for various legitimate business and personal transactions. Its continued suspension is causing significant inconvenience and distress. Hence, I respectfully request that PayPal considers restoring my account, allowing me to resume normal activities. 

I am more than willing to provide any additional information or clarification that may be required during this re-investigation process. I am fully committed to abiding by PayPal 's policies and regulations and ensuring the security of all transactions conducted through my account. 

In conclusion, I kindly implore PayPal to reevaluate my case with an open mind and to promptly communicate the results of this review. Your assistance in resolving this matter would be greatly appreciated, as I look forward to a swift resolution that restores my access to my PayPal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX, UTILITIES, UNNAMED APARTMENT COMPLEX WITH FRAUD ADDRESS, FRAUD ADDRESS IN XXXX, TX
Product: Credit card or prepaid card

While you may not be successful in convincing a debt collection agency to comply with a pay for delete request, it cant hurt to try. However, its important to wait for written confirmation that a collection agency has accepted your offer before you proceed with payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the breach at Equifax, I signed up for free credit monitoring offered by Equifax. I received two emails from Equifax to complete this registration. The link on both emails was invalid so I call Equifax direct. They started asking me for my social security, mortgage company and monthly payment. I told them that I was not about to give this information over the phone especially after the security breach. I asked if I could do this online, they said " No ''. I asked if they could send me something in the mail, they said " No ''. I asked if I could speak to a Supervisor, they said no one was available. This is unacceptable especially after the breach of personal and private information. Equifax first of all should not be sending multiple emails with links that do not work, they should not be asking me for my social security number or other private information over the phone. I can not verify to whom I was speaking, how do I know that the number I called is actually Equifax - perhaps their phones were breached as well. Equifax has to make this credit monitoring " final step '' more professional and safe for us consumers that had their personal information breached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX-I believe this is a XXXX  XXXX XXXX credit card originally. 
XX/XX/XXXX XXXX XXXX CFO sent Certified Mail return receipt requested sent to dispute debt, no response. 
XX/XX/XXXX sent second certified mail return receipt requested sent to CFO XXXX XXXX, no response. 
XX/XX/XXXX, 3rd certified mail return receipt requested letter sent to CFO XXXX XXXX, disputing debt, no response. 
Then, I filed a complaint with cfpb # XXXX, no response from your company. 
I have sent XXXX 2 letters of dispute with no resolution. NO ONE from XXXX NOR XXXX has validated the debt since XX/XX/XXXX. 
I quoted the FDPC they were in receipt of notice to validate the debt, they refused legally 3 times with no response as to the validity of the alleged debt. 
I am sure this is in the records that XXXX has when they bought the debt second hand from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello on XX/XX/2019, I was alerted by My Fico credit monitoring service that someone authorized an inquiry on my Experian report. I did not authorize this. I would like this removed as soon as possible. it was with XXXX on XX/XX/2019. I would like this resolved as quick as possible. there address is XXXX XXXX   XXXX XXXX XXXX XXXX, MN XXXX contact is XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a new XX/XX/XXXX XXXX  account that never reported to my personal profile and it suddenly appeared with a delinquency status causing me damage. 

The whole late on XXXX XXXX account was due to covid
Product: Vehicle loan or lease

I was given a car loan from Santander, They gave me a 20 % interest rate. You usually have to show proof of income and theyd call your place of employment. They never contacted an employer, nor did they ever verify my income. 
They wanted {$300.00} down and I gave it to them, and they gave me the keys. I tried to be responsible and tried to rebuild my credit, but that wasnt the case. I couldnt make ends meet half the time. Payments were {$420.00} a month and, as a single mom, it was often hard to make the payments. I reached out to them and I couldnt get lower payments. I stopped paying in XX/XX/2019. The car was repossessed in XX/XX/2019. I was left in distressed financial ruins and ruined credit. 

I would like this account removed from my credit report, because I was mislead and given this car loan without the proper analysis to determine whether or not I could actually make the payments. I feel as if I was preyed on by Santander.
Product: Money transfer, virtual currency, or money service

In short, Cash App says they issued a refund through an Electronic Funds Transfer - Date and Time : XX/XX/22 at XXXX PDT - Amount : {$200.00} - Sent to a card ending in : XXXX I talked to my Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX several times and they said the EFT was never received so they will not open a case to investigate the issue. In other words, both Cash App and XXXX XXXX XXXX XXXX XXXX are refusing to do anything to resolve the issue and I am out {$200.00}. I attached emails to and from Cash App to document the issue. I am unable to provide the name of more than one company in this complaint so I included Cash App. It seems reasonable to expect that XXXX XXXX XXXX XXXX XXXX can be more helpful in resolving the situation. Please let me know if you want that account number. 

This is the 3rd time I submitted this same complaint and it has been closed twice because, " Some of the data provided indicates that someone other than you may have submitted the complaint. I called several times and spoke to a supervisor who said there is no way to know what the issue is and to file a third time. I have contacted the CFPB Ombudsman regarding this issue.
Product: Debt collection

I have been called by PORTFOLIO RECOVERY every single week for several years. I called to be removed from their list. They said they removed me and STILL KEPT CALLING! 
They told me the debt was a XXXX  XXXX credit card I had in XXXX. That was ALMOST 20 YEARS AGO!!!! 
They are still calling me threatening to sue me and telling me my credit will be ruined when - ITS NOT ON MY CREDIT REPORT AND HASNT BEEN FOR 13 YEARS!
Product: Debt collection

I C System, Inc is trying to collect a debt for XXXX. I have never had a XXXX  account. It was proven and removed from from my credit report in XXXX of 2020 and now its back on there. I explained to the rep what happened and he still tried to convince me to pay it. I had to hang up on him because he became rude.