23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company calls everyday nonstop and does not talk when phone is answered.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

I was sued by Persolve Legal Group on a debt that the statute of limitations has expired. My last payment on this debt according to my credit report from XXXX and XXXX XXXX was on XX/XX/2017. I was not served a summons to appear in court so I was unable to plead my case and let the judge know the the statute of limitations has expired. I did not know anything about being sued until I got the memoranda of costs after judgment. Since I was not there a default judgement was filled against me. Now any and all my accounts and safety deposit boxes connected to my name and SSN are levied and my wages are being garnished. Persolve also over the years sent me fake court documents trying to scare me into thinking I was being sued and/or to talk to them. I noticed that the fake documents did not have the county clerks stamp or an actual date to appear. Using scare tacts to force someone to pay or do anything I know is very illegal.
Product: Debt collection

On XX/XX/2021 I sent by certified mail a dispute to Source Receivables. The collection agency is claiming that I still owe money to sprint, but everything was paid. Since then, the collection agency keeps reporting a balance to the credit bureau but they haven't responded to me. On XX/XX/2021 I decided to dispute the same account with the credit bureaus, but as of today, I haven't gotten any responses from neither of the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. However, its been 30 days and the credit bureau has failed to send my investigation back XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 an 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 or 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: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of an account on my credit report, as outlined below. This account does not belong to me, and I have no knowledge of any contract or agreement with the listed collection agency. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights to dispute incomplete or incorrect information in my credit file. 

Disputed Account Information : Creditor Name XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Balance : {$900.00} Date Opened : XX/XX/year> FCRA Provisions Supporting My Dispute : 15 U.S.C. 1681e ( b ) : Duty to Ensure Maximum Accuracy Credit reporting agencies are required to adopt and follow reasonable procedures to assure maximum possible accuracy of the information they include in consumer reports.

15 U.S.C. 1681i ( a ) : Consumer Disputes and Reinvestigations When a consumer disputes the accuracy of any item in their file, the credit reporting agency must conduct a reasonable reinvestigation to determine whether the disp
uted information is accurate. If it can not be verified, the information must be deleted.

15 U.S.C. 1681i ( a ) ( 5 ) : Deletion of Unverifiable Information If the credit bureau can not verify the disputed information within 30 days ( or 45 days in certain circumstances ), the disputed account must be removed from my credit report.

15 U.S.C. 1681b : Permissible Purposes for Consumer Reports The account in question appears to have been added without a permissible purpose, as I have never authorized this account or engaged in any transaction with the creditor.

15 U.S.C. 1681s-2 ( a ) : Responsibilities of Furnishers of Information Furnishers of information ( like XXXX XXXX XXXX XXXXXXXX ) are required to report accurate information and must promptly correct and update information when it is found to be inaccurate. 
Request for Immediate Action : I request the following actions : Verification Provide evidence of this debt, including any signed contracts or agreements bearing my signature.

Deletion Remove this account from my credit report if the creditor can not provide verifiable proof that the account is accurate. 
Notification Inform me of the results of your investigation, as well as whether any changes have been made to my credit report. 
Failure to comply with the FCRAs provisions may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies. I trust that you will handle this dispute promptly and in compliance with federal law. 

Thank you for your immediate attention to this matter. Please confirm receipt of this letter and notify me of any updates regarding my dispute.
Product: Debt collection

Please note this has been an ongoing battle with the firm XXXX XXXX XXXX XXXX XXXX. I believe this may have stated in 2018. I was sent paperwork regarding a debt from XXXX - XXXX XXXX? Fraud .... 
This company is well aware. There is fraud noted in my account. I've filled numerous court filings. Again this law firm has gotten a hold.of my driver 's license a d now garnishing my check. 

I want this stopped immediately. Will the money already taken be refunded to me? The statue of limitations is more than likely running out and this company back is against the wall.
Product: Student loan

I co-signed for a {$5000.00} student loan with Naviant and the student isstill finishing her Masters but the 48 month grace period hasSupposedly expired. They have been sending twice daily emails andTwice or more daily phone calls even after I called and requestedA paper billing statement and advised that once i got the bill i would startPayments. They refused to stop the calls and emails.
Product: Checking or savings account

I have had Navy Federal for years and the overdraft fees/returned check fees are ridiculous. I expect to use funds that show available that are actually not available, and then I am left with fees that accumulate over time.
Product: Credit reporting or other personal consumer reports

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. I can not fathom how my pleas for help have been met with indifference and stony silence. The anguish and turmoil I have endured due to identity theft is overwhelming, and your bureau 's unconscionable neglect has exacerbated my suffering. I demand that you immediately acknowledge and investigate my identity theft disputes. Your reluctance to do so is incomprehensible and infuriating. My rights as a consumer have been egregiously violated, and I demand justice. This is the account that I'm disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete this account immediately.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX {$2100.00} XXXXXXXX XXXX  Account number XXXX Original creditor - Company sold - Account type Credit card Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$2100.00} written off. {$2100.00} past due as of XX/XX/XXXX. 

XXXX Account info Account name XXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Status Collection account. {$29000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX
Product: Debt or credit management

I used National Debt Relief to help me in my debt situation. They instructed me to stop paying on my credit cards and that they would be taking care of the rest and all I had to do was pay them back. Fast forward about 3 months and XXXX is discussing suing me because of lack of payment. I told XXXX that national debt relief was supposed to pay them off and turns out national debt relief never even contacted them, causing my credit to plumet. I take credit seriously, and I was not expecting this at all. Now my credit is blemished because of National Debt relief not making payments. I would like these missed payments removed from my credit score, as if I had known payments weren't being made I would have made them myself.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) specifically cashapp failed to take timely and effective measures to prevent fraud on their platform, leaving my account vulnerable and unprotected. Further along, their dispute process for the resolution wasnt fair and it was also deceptive, as they failed to comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have really caused significant inconvenience and financial loss to me, and I seek appropriate redress for these violations at hand.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX HYUNDAI CONTACTED ME ABOUT GETTING OUT OF MY LEASED XXXX XXXX EARLY BECOUSE THE WERE RUNNING A PROMO TO UPGRADE AND GET OUT OF CAR LEASE EARLY AND THEY WOUD PAY EXCESS MILEAGE CHARGES AND REMAINING MOTHS ON LEASE TO UP GRADE SO AFTER MANY PHONE CALL WTH XXXX XXXX XXXX Hyundai XXXX XXXX XXXX XXXX, NJ XXXX WE FIALY AGREED AFTER MANY PHONE CALL & EMAILS ABOUT PRICE OF NEW LEASE AND EXCESS MILEAGE CHARGES, REMAINING LEASE PAYOFF, I WENT TO SIGN PAPERS AND ABOUT 30 DAYS LATER I RECIEVED LTR SAYING I OWE XXXX DOLLERS IN LEASE END BALANCE. THEY LIED TO ME NOW SAYING THE DID NOT PAY OFF EXCESS MILAGE ITS MY RESONSIBILTY I NEVER WAS TOLD OR SIGNED ANY PAPERS ON NEW LEASE ABOUT THIS XXXX THEY TOOK ADVANTAGE OF ME BECOUSE MY HUSBAND WAS NOT PRESENT XXXX XXXX IS PROBELY THE MOST CROOKED CAR SALEMAN IVE EVER MET XXXX XXXX IS A MANAGER IS A XXXX XXXX, XXXX XXXX OWNER IS A XXXX XXXX XXXX XXXX. I WOULD HAVE NEVER UPGRADED MY CAR IT MAKES KNOW SENCE WHAT THERE DOING TO ME WAT WAS MY MOTIVATION TO GET OUT OFF LEASE IF I HAD TO PAY XXXX DOLLERS UMM. LET ME SEE PAYOFF OFF MILAGE AND REMAING PAYMENTS OF LEASE. THEY NEVER INFORMED ME AT LEASE PAPER SIGNING THE WERE NOT PAYING MY PAYMENTS & MILAGE OFF. I WOULD HAVE WAITED OR JUST BOUGHT THE CAR OUT THEY TOOK TOTAL ADVANTAGE OF ME BEING A WOMEN AND NOT PROPERLY TELLING THEY WERE GOING TO XXXX XXXX WITH A BILL DOWN THE ROAD PLEASE NOTIFY Consumer Financial Protection Bureau ( CFPB ) FOR ME TOO ME BEING A WOMEN WAS TREATED TO DECEPTIVE PRACTICES AT THE BEST AND WHEN I CALLED THEM THEY TALKED DOWN TO ME LIKE I HAD XXXX XXXX XXXX XXXX XXXX XXXX STEERING / DECEPTIVE PRACICES AT IT BEST GOT TO GO I HAVE TO FILE MY complaint with Deceptive car dealers The Federal Trade Commission NJconsumer protection agency The Federal Trade Commission The Consumer Financial Protection Bureau WILL DO XXXX XXXX XXXX XXXX THE SALE MAN SAID THE REASON THE BILL IS {$1500.00} XXXX IS THEY WERE SUPPOSED BUY CAR OUT INSTEAD THEY AUCTION OFF CAR HE SAID HE WAS GOING TO TALK TO OWNER ABOUT MISHAP THEIR WAS NO REASON FOR ME TO RETURN CAR WITH LEASE AHEAD PROGRAM ( XXXX DOLLERS INCENTIVES PROGRAM 1 MONTH ON LEASE LEFT THE WHOLE REASON IS THEY WERE SUPPOSED PAY OF EXTRA MILAGE ON CAR OTHER WISE I WOULD HAVE KEPT CAR XXXX XXXX 1000 % AGREES WITH ME CALL HIM SPOKE TO HIM YESTERDAY >Hide original messageEdit On Wednesday, XX/XX/XXXX at XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX wrote : Hello, We have received your complaint against XXXX Hyundai. In order to proceed we ask that you send in supporting documentation ( Copy of your old and new lease as well as the old and new sales contract ). Please mail or fax these back only. See below for our information. 
Thanks, XXXX XXXX XXXX XXXX Department of Public Safety Division of Consumer Affairs XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Phone XXXX Fax XXXX
Product: Checking or savings account

On XXXX XXXX I attempted to make a {$500.00} cash advance with a banker and the transaction was approved. However the bankers computer system crashed and I was unable to receive the funds from the bank at the time. I contacted the bank my card is associated with and the only thing they could advise was to file a dispute to attempt to recover the funds.On XX/XX/XXXX I requested a letter from the bank manager my funds were withdrawn from showing I didn't receive those funds and I was provided a letter and advised to dispute the transaction with my bank. On XX/XX/2024 the bank my card is linked to notified me that the bank I made the cash advance from received the funds and the amount was settled on my account. As of now the status is I have not received my cash advance of {$500.00} from either the dispute I filed with my bank and or from the bank I made the {$500.00} cash advance from based on a banking error made on the day I attempted the cash advance. The bank I attempted to make the {$500.00} cash advance from opened a case and provided a case number and I also attempted to check the status of the case and I was informed the case number was invalid and they could not find such case number in their system. I am at a loss of {$500.00} from the cash advance and the funds are currently with the bank who said their system crashed and they had no record of the transaction made even though it was withdrawn from my account and showed all details of the transaction being made at such location and time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2019, I attempted to temporarily lift the freeze on my accounts at XXXX, XXXX, and Experian.

XXXX and XXXX allowed me to complete the transaction in just a few minutes online, using the PIN provided at the time the freeze was put in place.

Experian claims that you can lift a freeze online or by phone. I filled out the online form with all the information required ( including my PIN ), but was then told I would have to write a letter containing the same information, multiple copies of identification, mail confirming my address, etc.

I next tried to lift the freeze by calling Experian. No human speaks to you, you must place voicemail bingo. I entered all the required information, only to receive the same instructions about filing a written request. This has taken my about 1/2 hour of my time. Forget it. The account can stay frozen. If I could remove my information from Experian, I would.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported delays in the XXXX credit agency since XXXX and is incorrect and accepted the error and does not correct it. My score has been damaged and I had a medical emergency and I was denied loan because of that error in my record.
Product: Mortgage

Quicken loans called me to give me a quote for a cash out refinance. I told the agent I just wanted the rates. She then asked me to verify the last four of my social. After providing, she told me my credit scores were x, y, and z. When I asked her if she just pulled my credit, she said yes. I told her its illegal to obtain my credit without my consent and I did not consent to have my credit run. I specifically told her I only wanted rates. She then tried to mislead me stating that by giving her the last four of my social, I have consented under the law to having a hard pull done. I was infuriated and escalated to her manager. There is currently an investigation. My concern is that the agent 1.did not appear to know or care the legality of pulling credit without consent and 2. she then tried to lie/mislead me once I confronted her. This is not okay. Agents name was XXXX XXXX XXXX # XXXX.
Product: Debt collection

About two weeks ago, I reached out to Synchrony regarding the number of calls that I've been receiving in one day regarding two credit card accounts that I, either had or have ( I recently had a card back by them for XXXX and now a card for Care Credit they are also backing ). I did explain that I know that I was late and don't need them to call me as much as they were to tell me this. I spoke with someone about stopping the numerous of calls I have been receiving, and stated to the rep that if this continues, then I'll file a complaint. The rep understand and placed my account on the Do Not Call listing they have in-house. This only worked for a week. Sunday ( XX/XX/2018 ), I received non-stop phone calls from them with the first one occurred at XXXX XXXX and continued on through the day until XXXX XXXX. On top of the harassing phone calls, they are attempting to call me from various of other phone numbers, such as XXXX XXXX, XXXX, numbers from Texas, and from Kansas. The number of times they are calling in a day is a definition of harassment.
Product: Credit reporting or other personal consumer reports

I asked XXXX, XXXX, and Equifax to do a thorough search on my credit report and effectively remove the inaccurate reporting of XXXX XXXX XXXX off account. Upon my own investigation and that of XXXX we found the entry inaccurate. XXXX removed the entry completely, the others did not. A copy of XXXX 's results have been attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Vehicle loan or lease

I sent the follow letter to First Investors Servicing Corp XX/XX/2024 XX/XX/2024 EFFECTIVE IMMEDIATELY and INDEFINATELY : Per the FCRA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you - written and/or unwritten, verbal and/or non verbal - per 15 USC 6802 and 16 CFR 313.7 XXXX XXXX First Investors Servicing Corp XXXX
Product: Debt collection

A third party company called Spring Oak Cap has posted a derogatory on my credit report and public record for a company called XXXX XXXX XXXX. It say that it was made in XXXX of XXXX but information of where and when is not accurate or related to my involvement. 

XXXX XXXX says they are part of a collection company from XXXX XXXX XXXX XXXX XXXX XXXX for a credit card I do not own. 

XXXX is also for something from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. says it was opened in XX/XX/XXXX A company called XXXX XXXX says they are collecting a debt for a XXXX XXXX XXXX. This account was closed and told not to be renewed. But the companies customer service for XXXX  aggressively did not want me to stop having coverage. I wanted my service ended. I was in a XXXX XXXX XXXX XXXX. And no longer wanted anything to do with this harsh company. My service and demand to stop service was in XX/XX/XXXX. Instead the XXXX company still charged me for another month not listening to the cancelations made from XX/XX/XXXX thru XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I got a loan in 2016 I have paid it off but im still paying it now. I got a loan for XXXX the principal are very high im still not done with it but I have paid this loan off twice. I need this problem fix asap