23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to express my deep concern and file a formal complaint against Absolute Resolutions I, a debt collection agency, for actions that have had a severe and adverse impact on my consumer rights and credit standing. I believe this company has engaged in troubling practices that are in direct violation of federal consumer protection laws. 

My primary concerns are as follows : Lack of Written Disclosure : Absolute Resolutions I furnished information about an alleged debt to consumer reporting agencies without any prior written disclosure to me. I was never provided with a notice of the alleged debt, its origin, or any written communication prior to this information appearing on my consumer report. 

Failure to Validate the Debt : Despite my requests, Absolute Resolutions I has failed to provide any validation of the alleged debt, including the required documentation to substantiate its legitimacy. 

The impact of these actions on my financial well-being has been significant. This lack of written disclosure and failure to validate the debt has resulted in negative entries on my credit report, potentially harming my creditworthiness and limiting my financial opportunities. This situation is deeply concerning, as it not only affects my financial stability but also violates my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ). 

I kindly request the Consumer Financial Protection Bureau 's immediate intervention to address this matter and ensure that Absolute Resolutions I complies with all relevant consumer protection laws. 

I believe that Absolute Resolutions I 's actions are in direct violation of the FDCPA and have had a detrimental impact on my credit report. These practices are not only unjust but also harmful to consumers like me who are working diligently to maintain their financial well-being.
Product: Debt collection

XXXX sent a collection notice from AllianceOne fro services with XXXX that I have never had I have never signed any contract with XXXX of any sort.
Product: Payday loan

XXXX, CA. I was contact on my phone with a basic threat about a payday loan stating that I had been officially notified. This call was from a woman, not XXXX XXXX. I then call the number to XXXX ( That is what he said the name of company was ) and spoke to a man named XXXX XXXX. His phone number is XXXX. He told me I owed a payday loan and said the amount owed is {$510.00}. He gave me a case number. On XX/XX/2016 they debited my account for {$85.00}. On XX/XX/2016 they tried to debit another {$85.00}. I then received a call from XXXX XXXX stating the charge was refused by my bank. He told me to call my bank to see what the problem was. When I contacted the bank they stated they do not debt any thing over {$50.00} to the state of New York because of all of the fraudulent things coming from there. When I returned XXXX XXXX call and told him what my bank stated he ten said " Well we will take out {$45.00} today XX/XX/2016 and {$40.00} on XX/XX/2016 ''. This makes 2 payments of {$85.00} that they have received. This leaves 4 more payments of XXXX which they will break down in 2 payments each. The thing that raised a red flag with me is that XXXX XXXX is in XXXX but their payment department is in XXXX. The fact that XXXX XXXX actually answers his own phone and does not go through a secretary, with this suppose to be a Law firm seems rather fishy to me. Please help me resolve this. Thank you. XX/XX/2016
Product: Vehicle loan or lease

XXXX XXXX called from phone number XXXX XXXX XXXX XXXX from iLending got all my personal info including date of birth and social security number then disappeared
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I also have no knowledge of obtaining any of the inquiries listed here. 
XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXDate of Inquiry XX/XX/XXXX
Product: Vehicle loan or lease

I have a auto Loan with Wells Fargo Dealer services which started in XX/XX/XXXX. I have always paid more than the monthly installment of {$240.00}. In a few months, I enrolled in autopay. In XX/XX/XXXX, received a call that I have missed a payment for XX/XX/XXXX. I was surprised and told them that I had auto pay. I was told that they did not see an autopay, while I had selected the option, entered the bank details, etc and done the needful. I tried to explain to representative from the bank that it was a processing error on their end. And was told that if I paid, everything would be okay. I did as was told and since then, have mostly paid more than the required monthly on time. 
IT IS WORTH MENTIONING THAT SINCE THEN WELLS FARGO DEALER SERVICES HAS DONE AWAY WITH IT ARCHAIC WEBSITE AND INTEGRATED INTO THE UPDATED CONSOLIDATED WELLS FARGO WEBSITE. 

More recently, when I looked at my credit reports, this loan account where I had paid as required ( and often more ) is marked as " potentially negative '' due to this XXXX late payment ( XX/XX/XXXX ) generated due to malfunctioning of the payment platform. This is negatively impacting my credit score and my ability to seek credit from suppliers for my new business venture. Although, I was not aware at that time, but this would have also impacted the decision of employers, lenders, etc. in the past. 
Yet my only humble request is to consider this issue and remove negative check from my payment history, so I may not suffer further due to this issue.
Product: Debt collection

XXXX - Diversified {$250.00} collection from XXXX XXXX account. Never new until popped up as delinquent on credit report. I had Moved apartments as of Court order XX/XX/XXXX. I had notified XXXX XXXX XXXX from XXXX XXXX and am set up to use XXXX XXXX. Apparently I was set up with a new account and my account stayed going at old Apartment. XXXX has made it clear they are sorry and have helped out with discounting services already. They unfortunately have their hands tied with removing this, being it was sold to Diversified. They have given me a notice with the Name of '' XXXX XXXX '' and a balance for XX/XX/XXXX & XX/XX/XXXX. Yet I have explained in every phone call and mail in attempt and yet the same response is given. 
ANSWERS : Phone : They will look into/investigate the claim and Ill hear an answer in the mail. ( which is the XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ) Mail : No response What so ever. I have had to call after waiting 45+ days. Then the routine starts all over with me calling in.
Product: Debt collection

Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Subject : Request for Debt Validation under the FDCPA and the California Fair Debt Collection Act Dear Credit Control , LLC I am contacting you regarding the alleged debt mentioned in your correspondence date XX/XX/year>. This is a formal notice under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and sections 1788-1788.33 of the California Fair Debt Collection Practices Act ( CFDCPA ), to request validation of this debt.

Pursuant to my rights under the FDCPA and CFDCPA, I request the following : I would like more information about your business before discussing the debt with you. Does your business have a debt collection license from my state? If not, please indicate why. If so, please provide the license date, the name listed on the license, the license number, and the name, address, and phone number of the state agency that issues the license. 



Debt Validation : Detailed evidence of the existence of the debt, including the original signed contract supporting the payment obligation, complete account history, and any documents showing that you are legally authorized to collect this debt. 



Original Creditor 's Name and Address- Please provide the name and address of the original creditor, as well as any agreement or contract signed by me, confirming my legal responsibility for the debt.

Charge Itemization - A detailed description of the amount owed, including any interest, additional fees, or costs that have been added to the original debt.

Proof of Authority to Collect - Documentation showing that you have the authority to collect on behalf of the original creditor and that the debt has not been settled, sold, or transferred to another creditor.

Pursuant to CFDCPA Section 1788.30, any attempt to collect this debt without providing the requested validation will be considered a violation of state law. Additionally, pursuant to 15 U.S.C. Section 1692g ( b ), as long as the debt is not validated, no further collection action will be taken, including negative reporting to credit bureaus. 



Finally, I also request that any future communications regarding this matter be made in writing and sent to the address provided at the beginning of this letter. Pursuant to law, I expect your response within 30 days of receipt of this letter.
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 : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX Account Number : XXXX XXXX XXXXXXXX XXXXXXXXE Account Number XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXXXXXX  Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX A Account Number : XXXX DPT ED/XXXX Account XXXX XXXX XXXX DPT EDXXXX Account Number : XXXX DPT ED/XXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT ED/XXXX Account Number : XXXX DPT EDXXXX Account Number : XXXX DPT EDXXXX Account Number : 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: Credit reporting, credit repair services, or other personal consumer reports

DATE OF INQUIRY. XXXX XXXX. XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : ALL 3 } { Credit Bureaus : ALL 3 } { XX/XX/2023 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XXXX XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX }
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to get access to my Equifax credit report online. This has been ongoing ISSUE for months. I submitted a complaint with the CFPB TWICE ALREADY, THIS IS MY THIRD COMPLAINT. I have been unsuccessful with Equifax themselves. They responded back that the issue had been resolved IN MY PREVIOUS COMPLIANTS. Which is incorrect the issue has not been resolved. I am still trying to access my credit report. I have disputed some items and I am still unable to view them because I do not have any access. THIS IS NOW MY THIRD ATTEMPT TO CORRECT THIS ISSUE. I CAN NOT ACCESS MY EQUAFAX ACCOUNT. PLEASE SEE ATTACHMENT BELOW. I AM ASKING THAT THE CFPB LOOK MORE INTO MY COMPLAIN EVERYTIME I TRY TO LOGIN INTO EQUAFIX IT DOES THE SAME THING. YOU CAN SEE THE ATTACHEMENT PLEASE ADVISE HOW TO MOVE FOWARD.
Product: Checking or savings account

On XX/XX/2022 I was appointed by the XXXX XXXX Probate Court to be the Conservator of the Estate and Person of XXXX. XXXX XXXX. has two accounts with Webster Bank and does business at the XXXX, CT branch telephone # XXXX. I went to the bank as XXXX XXXX. 's conservator and they refused to give me her money. She has outstanding bills that I am under a legal obligation to pay. The reason for doing so is that my Certification of Conservator has an " XXXX '' at the end of my first name and my CT motor vehicle license does not have an " XXXX '', " XXXX '' as opposed to " XXXX ''. I am a practicing attorney and a XXXX in the XXXX of CT and this has never been a problem. ( if relevant I will tell how the XXXX got dropped from XXXX ) I have been a Conservator in many different cases and presented the same documents at every bank in the community, as well as the Dept. of XXXX XXXX and the other various XXXX and XXXX benefit agencies and organization. This has not been a problem ANYWHERE. XXXX has decided to NOT GIVE MS.J.L. her money. Their obligation to provide their clients with the assets they were entrusted to hold trumps any bureaucratic decision about the XXXX at the end of my name. My birth name is XXXX. PLEASE HELP!!!!
Product: Credit reporting or other personal consumer reports

Dear CFPB, It is over 7 years dealing with Shellpoint Mortgage loan XXXX XXXX now as of last month they reported me as late on my mortgage. i have proof all payment being made on time. 
Shellpoint now refuses to answer my calls or even escalate this to their managers. Shel points representatives told me last week they made a mistake and they will call me in 3 months with an update. 

This is really affecting my job, financials and personal life. Shellpoint is liable for reporting me late on my mortgage and now they refuse to address this issue. 

Please help!!!
Product: Consumer Loan

I have been paying only the interest on a {$5000.00} title loan that I was forced to get under duress of just losing my job. I have a car in which I spent nearly {$2500.00} in repairs and the truck still does not work and I have missed work on several occasions due to this. I 'm in financial distress due to this and I even paid {$670.00} which only went towards the interest. Had I know this would happen like this I would have never agreed to this amount of money. And to make matters worse I lost my home in a fire XXXX XXXX 2014. I need help, please help me..
Product: Credit reporting, credit repair services, or other personal consumer reports

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 

XXXX XXXX XXXX reporting on all 3 bureaus inaccurate XXXX XXXX  XXXX reporting on all 3 bureaus inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting on all 3 Bureaus inaccurate XXXX  XXXX reporting on all 3 bureaus inaccurate Independent emergency physic XXXX Reporting on all 3 bureaus inaccurate XXXX XXXX XXXX XXXXXXXX **** reporting on all 3 bureaus Is inaccurate and it keeps being removed then added back which is breaking another law which ( Equifax ) should be fined, its obvious the multiple inaccuracies where shown.
Product: Debt collection

I received a voicemail on XX/XX/XXXX from Collections Bureau of America in XXXX, CA stating that they were trying to collect a past due XXXX bill. I called them back the same day at ( XXXX ) XXXX ( XX/XX/XXXX ) and requested verification of the debt via email AND mail. I had not received either by XX/XX/XXXX, so I called again. The second representative I spoke to confirmed he saw notes in the file from my call on XX/XX/XXXX requesting the verification of debt and assured me I would have an email from them by the end of the day. It is now XX/XX/XXXX and I have no verification of the debt. To the best of my knowledge I have never missed a payment with XXXX - I last spoke to them in XX/XX/XXXX when I called to transfer my XXXX account to my ex when I moved out of his house and at that time I was not informed of any outstanding balance with the company. I also never received any notice that my account with them was delinquent. Therefore, I am skeptical of the legitimacy of this collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

During a recent review of my credit report, I came across inquiries that I do not recall having authorized. As you are aware, such an unauthorized inquiries should not be reflected on my credit report, as it is in direct violation of the Fair Credit Reporting Act, which safeguards the privacy of individuals ' information from unauthorized access. I kindly request that you furnish me with substantial evidence detailing the justification for these inquiries. I am confident that, upon review, you will concur that these inquiries have no valid basis for being present on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit reporting agencies refuse to properly report accurate credit history and they are very aware of it FICO 8 CODES FOR EQUATION OF SCORE ARE MISSING GOING BACK OVER 15 YEARS OF CREDIT HISTORY NOW IT SHOWS INSUFFICIENT CREDIT HISTORY. 

ON ALL THREE BUREAUS AND XXXX  HAS NOT RESPONDED WITH UPDATES EITHER
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I mailed a request for additional information for purposes of verification. I opened the account in XXXX of XXXX. It was a secured credit account. The initial deposit was {$200.00}. I received {$200.00} in credit. I do not recall ever receiving the card. I requested the account information and billing history to verify the {$87.00} charge. I sent documentation showing the initial email and {$200.00} transfer receipt. I received no response. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TN XXXX was the only contact information available. 

I disputed the charge several times with the credit reporting agency with no success. In XXXX, I was provided a customer service number XXXX. The representative I spoke too could not provide transaction, billing, or payment history for the account. The representative stated the account had been turned over to collections and I would need to contact that agency. 

I called the number provided by the representative and the agency was also not able to provide any information on the account. I was referred back to first progress customer service. First progress holds the full balance of my security deposit and the erroneous information reported appears on my consumer credit report. I would like verification and the requested information from XXXX XXXX and I would like the account and the false information removed from my consumer profile. In addition, I would like a refund of the security, less any verified charges. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union failed to conduct a reasonable investigation. I requested to have my dispute in  XXXX    XXXX   properly investigated and needed to have specific information on how they conducted the information and what date and time they contacted each disputed item. I also requested that they provide the person whom they had spoken to so that I may contact them as well. They also took add many disputed items and reinserted them without prior notification as required by law.  Trans  union is in direct violation of the FCRA and must remove all disputed items including all inquiries. The information they are providing to potential creditors is erroneous and they have failed to follow the law as required.
Product: Checking or savings account

I have a savings account at Bank of America in XXXX NY on XXXX  XXXX XXXX. I went there today and was in a rush and wasnt really thinking. I asked to withdrawal {$600.00} the teller said okay and then hands me the slip and the money ( without counting it in front of me ) and I go to my car. When I get in my car I count the money and realize she only gave me {$400.00}. I go back into the bank and tell the teller she only gave me {$400.00}. She said I gave you {$400.00}, you asked for {$400.00} and was very dismissive without even opening my account again. I assumed she was right and could not find my banking slip. This all happened around XXXX XXXX. At XXXX XXXX, after the bank is already closed I found the slip on the ground in my car and it says there was {$600.00} taken out of my account. I tried calling the 24 hr customer service number and they told me I received {$600.00} from a cashed check. And that there was a hold on the check. I didnt cash any checks. Ive never cashed a check at this bank. The supervisor refused to give me the tellers name said it was not on the transaction, and told me I had to go back to file a complaint. No one called me saying the drawer was over {$200.00} and no one called me about a check missing at the end of the day. I am short {$200.00} and am a XXXX XXXX struggling to pay for school and my rent. I just want my {$200.00} and to close this account, I would never trust my money in the hands of this bank ever again. I would 100 % recognize this teller.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act MAZDA FINANCIAL SERV has violated my rights in XX/XX/XXXX and XX/XX/XXXX marking 2 late payments.

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I used a service called XXXX through my banking institution Capital One. I sent money to my business partner who I know. The amount was {$2500.00}. The money was supposed to be delivered within 3-5 business days. As of today, XX/XX/XXXX, it has not been delivered. I filed a claim with Capital One but it was closed and denied 2 business days later. 
I called Capital One for more thorough investigation but they would not help. They sent me to XXXX. I contacted XXXX but they dont provide any support if I didnt use them directly. I used XXXX as a service with my bank. 
I have a confirmation code of sending the money which is XXXX. 
Ironically I sent the same money to the same person 6 days earlier and that was delivered. 
There is a known XXXX fraud when people send money to people they dont know. But I do know the person I sent the money to. 
The money is missing. {$2500.00}