23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was a victim of identity theft and I notified the company involved. Jefferson Capital SystemsI asked for them to provide me with documentation that validates this debt and establish ownership : such as a signed application, identifying documentation provided at the time the account was opened. They sent me a billing statement, nothing else. I requested either they validate the debt or remove it from my credit report also that they notify the credit bureaus to do the same.
Product: Student loan

i have been requesting and trying to work out payment agreement with Educational credit management corporation for years with no resolution now all the payments that I have made over the years were not applied now my taxes were sent to this company when i was told this company no longer has my account when you start to dispute companies they transfer your information to other companies which makes it harder and harder to dispute and you are steady been charged ridiculous interest on the account. I received a letter XX/XX/2016 that this company will no longer hold any monies per federal law. please explain this to me.
Product: Mortgage

In XXXX 2013, Residential Credit Solutions took over my mortgage from XXXX. I set up an automatic monthly withdrawal to make the minimum payments and I mail them a check when I have extra money to put to the principal of the loan. My problem is that every time that I mail this company a check, they do not put the full amount to the principle as I direct them in an enclosed letter and on the remittance slip. In one case, they even turned off my monthly automatic payment without informing me. They have lost checks that I have sent them. They never return my telephone calls or e-mails. I have even made a complaint with the XXXX. The company 's website does not allow me to pay the extra principle without incurring additional fees. When the company does respond to my written complaints, it takes them nearly two months to respond. This nightmare has been going on for more than two years. I have kept all of my correspondence with this company and I have scanned all the checks and letters that I have sent them. I would like some one with authority to end this company 's abusive and endless tactics.
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Dispute of Account Information - Immediate Action RequiredDear XXXX XXXX, I am writing to you with utmost urgency regarding discrepancies in the account information associated with my account. As a consumer, I demand immediate action to rectify these inaccuracies in accordance with Section 609 of the Fair Credit Reporting Act ( FCRA ) XXXXAccount Details : Account Name : XXXX XXXX Account Number : Credit Card Ending XXXX It has come to my attention that the information reported by XXXX XXXX  may contain errors or inaccuracies. I vehemently dispute the accuracy of this information and insist on a thorough investigation into the matter.Under the FCRA, it is your obligation to ensure the accuracy of the information provided to consumer reporting agencies. Therefore, I demand that you promptly provide me with the original documentation related to this account, including any agreements or contracts that I purportedly signed upon its opening.I expect your immediate attention to this matter and a response within 30 days as mandated by federal law. Failure to address this dispute and provide satisfactory resolution will leave me with no choice but to escalate this matter further.I am not providing my Social Security card or any other personal identification at this time. It is your responsibility to verify the accuracy of the reported information without requiring additional documentation from me.Your prompt action in resolving this matter is imperative. I trust that you will handle this dispute with the urgency and seriousness it deserves.Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. XX/XX/XXXX and XX/XX/XXXX these two collections were added to my credit report. They have been reported improper information on my credit report.
Product: Debt collection

I am writing to file a formal complaint against NTL RECOVERY AGENCY for multiple violations of consumer protection laws, including 12 CFR 1006.34b-5, 12 CFR 1006.34c4i, 12 CFR 1006.34d, and 15 USC 1681 S2 7a . 

On XX/XX/year>, I received communication from NTL RECOVERY AGENCY regarding an alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I promptly requested validation of the debt in writing. However, NTL RECOVERY AGENCY failed to provide the required validation information within the prescribed timeframe, violating 12 CFR 1006.34b-5. 

Furthermore, NTL RECOVERY AGENCY engaged in deceptive practices by failing to disclose in subsequent communications that the debt was disputed, as required by 12 CFR 1006.34c4i. 

Moreover, NTL RECOVERY AGENCY persisted in using harassing and abusive tactics, including contacting me at unreasonable hours and using threatening language, in clear violation of 12 CFR 1006.34d. 

Additionally, NTL RECOVERY AGENCY obtained and utilized my consumer report information in an unauthorized manner, violating 15 USC 1681 S2 7a of the Fair Credit Reporting Act ( FCRA ). 

These actions by NTL RECOVERY AGENCY have caused undue stress and hardship. I request that the Consumer Financial Protection Bureau investigate these violations thoroughly and take appropriate enforcement actions against NTL RECOVERY AGENCY. Furthermore, I seek remedies for the damages incurred as a result of their unlawful actions. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take prompt action to ensure that NTL RECOVERY AGENCY complies with all relevant consumer protection laws.
Product: Vehicle loan or lease

On XX/XX/2023. I reached out to Wells Fargo Auto Loans in regards to my auto loan application from XXXX XXXX XXXX being denied. I explained to them my Constitutional Rights as a consumer under the Consumer Bill Of Rights. One lady hung up on me and a gentleman transferred my call where nobody picked up. I explained to them my concerns about being discriminated against ( Equal Credit Opportunity Act ) because of my credit score. I also explained to them that I submitted a Federal Reserve Note that was denied and continued to explain the obligations of the United States by all National, Member, and Federal Reserve Banks ( Federal Reserve Act Section 16 ) where they still denied me. Before the lady hung up on me she explained that a supervisor would reach out to me within 7-10 business days, but the gentlemen switched me right over to a supervisor. Unfortunately no supervisor answered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that have are negatively being reported that shouldnt be on my credit report in the first place. Which in turn is destroying my lively hood and peace of mind In accordance with the Fair Credit Reporting act my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this report I havent been able to fully utilize or enjoy my credit due to these discrepancies these false and negative reports are tarnishing my reputation and harming my integrity. 

FCRA permits an individual to recover money damages if they can prove they were harmed by false credit reporting. The categories of damages include statutory damages, actual damages and punitive damages. 15 USC 1681n and o. 

Actual damages include damages for personal humiliation, embarrassment, mental anguish and emotional distressIt includes all highly unpleasant mental reactions such as fright or grief, shame, humiliation, embarrassment, anger, chagrin, disappointment, worry and XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ; see also XXXX XXXX Trans Union CorpXXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ( actual damages may be emotional in nature ) ; and XXXX v. Trans Union, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) .Other categories include loss of credit opportunity. XXXX XXXX Trans Union XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). Plaintiffs can recover damages for credit defamation. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). Economic or financial loss is also recoverable. XXXX v. Trans Union, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). 

Recently published cases show that courts are willing to assess damages to fully compensate victims of false credit reporting. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court upheld a jury award of {$400000.00} for compensatory damages in a case that involved attempts to resolve reporting inaccuracies and repeated denials of credit. In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) the court upheld awards of {$100000.00} in compensatory damages and {$620000.00} in punitive damages for a case involving wrongful credit reporting by a collection agency. Similarly, in the case of XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) the Fourth Circuit approved an award of emotional distress damages of {$150000.00} for credit reporting violations.
Product: Mortgage

XXXX XXXX XXXX # XXXX, Failed to inform me 15 days before i was to pay the new company of them selling my loan, it is now the 2nd i have not heard from sterns or the new company and i have no idea who i am supposed to pay as XXXX keeps hanging up on me. I can only assume at this point they are giving me the house for free or are illegally trying to take it out from under me by making it impossible to pay.
Product: Checking or savings account

I am writing to file a complaint about navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the most recent CFPB finding against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Fifth Third Account has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section XXXX : 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 and consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am inquiring about the Validy of my XXXX entry on my XXXX Report and have requested information on how my information was reported to XXXX credit bureau when XXXXXXXX XXXX XXXXXXXX state they are not in Compliance with the credit Bureau which is in violation of my consumer rights 15 U.S.C1692C I ask of a Removal of XXXX  off My XXXX credit reporting agency
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed some unauthorized inquiries and 1 unauthorized account on my report. I am wiring to delete the following information in my file. The items i need deleted are listed in the report as well as this persoanl statement. I am a victim of idenity theft and according to the fair credit reporting act legally thrsd unverified unauthrized items must be REMOVED! first is the XXXX XXXX XXXX account XXXX next are the following inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Contacted by phone regarding a debt I have no idea about. When asked to send verification of the debt company refused and stated they would send a receipt of payment after I paid {$450.00}. Threatened to sue and take me to court and stated I would then owe {$1500.00}. Threatened to contact my employer. Any attempt for me to get verification of debt they refused. Refused to give me their address to any contact information or verify a debt. 

They refused to give physical address. Only email : XXXX Phone number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in the report prevents me from achieving the desired results. 
I am kindly requesting your agency to remove this collection from my credit report as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me. 

SOUTHWEST CREDIT SYSTEMS Reported : XXXX XXXX, 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report once again, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate these accounts, It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report Here are the aforementioned accounts : XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX FIN XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$870.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are listed on my credit report do not belong to me. I've asked creditors to provide me proof that these accounts are mines and got no response. Also no one has sent me anything with my signature for these debts. The accounts listed below are fraud and need to be removed immediately! 

XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX I AM NOT A CREDIT REPAIR COMPANY
Product: Vehicle loan or lease

In XXXX of 2020, I contacted Chase Bank XXXX XXXX XXXX to get assistance with the deferment of my lease payment. At that time, I explained that my husband was unable to work due to XXXX causing loss of his entire income. I requested assistance and was advised that two of my payments would be deferred. At that time my payments with the lease were current. I entered into the deferment. However later in the year, I began to receive collection calls from Chase Bank. At this time, they alleged that my lease payment was behind. I explained that this couldn't be correct because I entered into a deferment due to the pandemic ( a natural disaster ) due to a loss of income as a result of XXXX. I was then told that because my lease was behind for the month of XXXX and XXXX, the deferment was applied to those months. I quickly retorted that this is impossible. Even of this is the case, why wasn't I told prior to entering into the deferment to allow me the ability to remedy this? 

I was then advised to prevent further collection activities and possible repossession of the vehicle, I would need to turn the vehicle in. This took place in XXXX. Yet, Chase reported the car as a " repossession '' on my credit report. I quickly called them and reminded them of what was promised and demanded that they remove this notation from their internal system as well as from any credit agencies if such had been reported. While they corrected that part, they are still reporting the months of XXXX and XXXX as " 30 days late '' when I was told lease was allegedly behind for the months of XXXX and XXXX. I never heard of any late payments until this time by phone or in writing. None of my contact information has changed since opening this account. It is unclear why I was never notified of the alleged payments that were " not made '' according to XXXX. 

At this time, because of the vast amount of conflicting, misleading, and misinformation given by each representative, it is unclear if ANY of this information is correct. This entire experience of incompetence has caused great financial harm to my family as well as my credit scores and my ability to be extended credit.
Product: Vehicle loan or lease

I have no knowledge of this account and this account was open in fraudulent intention I contacted credit acceptance about this matter and credit acceptance did not know where the car is located and told me little to nothing about this situation to help me in this matter no documents was sent to me and no car was found its been on going issues for a while now.
Product: Credit card or prepaid card

I received an email from my credit card company ( Discover Card ) on XX/XX/2022 around XXXXXXXX XXXX that there were XXXX attempts made to send {$300.00} to someone called XXXX XXXX via XXXX using my credit card on XX/XX/2022 around XXXXXXXX XXXX and XXXX. First attempt was unsuccessful but the second one was successful. It is my ex boyfriend who has been following me since I broke up with him. XXXX XXXX is his sisters name. First he spread my explicit videos around Without my permission and now he he send money to his sister using my credit card. He also broke into my phone last month to access my photos and other contact information.
Product: Debt collection

I was called about a student load that can not be found for the amount. I called both my school as well as XXXX. I have a company called reliant capital solutions calling and said I must pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$0.00} XXXX XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately SANTANDER  XX/XX/XXXX Balance : {$18000.00} XXXX XXXX XX/XX/XXXX Balance : {$22000.00} XXXX XXXX XXXXXX/XX/XXXX Balance : {$560.00} XXXX XXXX XX/XX/XXXX Balance : {$12000.00}
Product: Debt collection

Nissan Car that was on my bankruptcy calling a lot to collect debt constantly harassing with receiving letters in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are due to identity theft and need to removed and blocked immediately. I have attached a copy of FTC Report and Police Report to this correspondence. 

The following fraudulent accounts need to be removed and blocked immediately under FCRA or legal actions will be taken against XXXX. These accounts were opened by someone who stole my identity and use my information without my permission. I am requesting for XXXX to block and remove these fraudulent accounts immediately within four day of receiving my FTC report. 

1. XXXX XXXX Account # XXXX Balance :  {$3600.00} 2. XXXX XXXX Account # XXXX Balance : {$3700.00} 3. XXXX XXXX XXXX Account # XXXX Balance : {$550.00} 4. XXXX Account # XXXX Balance : {$3000.00} 5.DISCOVER FINANCIAL SERVICES Account # XXXX Balance : {$8600.00} 6.DISCOVER FINANCIAL SERVICES Account # XXXX Balance : {$5500.00} 7.XXXX XXXX XXXX Account # XXXX Balance : {$28000.00} XXXX Account # XXXX Balance : {$3500.00}. 

Under FCRA, XXXX has four days to remove and block these accounts. If not, I will reporting your company to XXXX XXXX, Consumer Financial Protection Bureau as well as my Attorney General Office due to your negligence.