23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : Account number : NAME : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX FL XXXX Dear ( XXXX XXXX ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Debt collection

Signed up with XXXX mobile service and ordered a brand new XXXX XXXX device. Device received and activated on XX/XX/year>. 

There was really poor network for XXXX mobile phone service in my house/neighborhood. Cancelled my service on XX/XX/year>, and called XXXX to arrange return of the new XXXX XXXX back to them. 

They emailed me return shipping label and I shipped out the device on XX/XX/year>. I have saved the picture of shipping receipt/tracking number. 

XXXX confirmed the device was delivered on XX/XX/year> and I received an email from XXXX stating that they have received my return and now processing it. 

Even though they cancelled my mobile phone services on XX/XX/XXXX they kept charging me recurring monthly payments until XX/XX/year>. I kept calling XXXX to resolve this issue and they kept adding credit back to my account ( I have emails as proof showing all the credits they applied ). I still paid them ~ {$110.00} for some extra cancellation charges or charges for 3 days of my device use. 

The main concern is when I received notification from debt collection agency in XX/XX/year> saying I owe {$620.00} for debt owed to XXXX as I didnt return my new device XXXX XXXX XXXX I called XXXX multiple times and they told me they have an issue with their system and they will revert the debt charges. But I kept getting notifications from debt collector that my debt is valid and will not be taken away. 

This is wrongful debt for a device which I returned on the shipping label XXXX provided and also have proof from XXXX that it was delivered and received.
Product: Checking or savings account

On XX/XX/2024 I attempted to send a zelle for {$400.00} through my bank. I completed the transaction however the recipient never received this money. I contacted my bank and they informed me that the transaction was done. The recipient also contacted her bank and was told that there was no XXXX  was ever received. I sent the XXXX to my friend 's name and phone number. Unfortunately she never received it. My bank did nothing to help me recover this money. My bank is JP Morgan Chase. Please help me to resolve this issue
Product: Debt collection

My account was sold from Santander to a 3rd party vendor who I am working with their law office to pay back for a car that was repossessed about 6 years ago. For the last couple weeks two separate " litigations '' or " law offices '' have contacted me about the debt and stated that I am going to be sued and threatened to take me to court or show at my job and serve me. I already told them its odd I am being sued for something I am currently making payments on and have documentation for the payments and even went to court for it. I XXXX the phone numbers and they have all been listed as scammed. I also called the 3rd party vendor ( XXXX ) and was informed that the original creditor Santander was subjected to a scam hack and companies have obtained information from folks and have been contacting them. It concerns me because the individual stated my FULL social security, date of birth and address AND work environment. I began being suspicious when she told me the account and stated she can settle it for over 80 % less than what I currently owe and expunge the information off of my credit. She was persistent on receiving a payment when I asked her to send me a copy of the letter or debt from their office. I eventually hung up.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number # XXXX Please update- All New Reporting Information to- paid as agreed and current 4. These following address are errors never lived there XXXX XXXX XXXX XXXX, Georgia XXXXXXXX Please remove it from my credit report. 

5. These following address are errors never lived there XXXX XXXX XXXX XXXX XXXX GA XXXX Please remove it from my credit report. 

6. These following address are errors never lived there XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ga XXXX Please remove it from my credit report.
Product: Debt collection

Americash Loans sent a automated text message to my cellphone on XX/XX/XXXX at XXXX am. They immediately followed with an email same date and time. 

I sent them a letter telling them they were in violation of consumer laws. I requested they only contact me by XXXX only. I was very explicit with this. They later was dated XX/XX/XXXX. It was sent registered mail with return receipt. I received proof of delivery with a signature on XX/XX/XXXX. I have not received any response to my letter but the continue to email me and send automated text messages. XXXX of them are at inappropriate times. XXXX am on XXXX XXXX and XXXX on XXXX XXXX
Product: Student loan

To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : 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 XXXXXXXX Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : Approve all outstanding Borrower Defense applications for students who attended these institutions. 

Discharge all loans associated with fraudulent practices, including consolidated loans. 
Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it.

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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, Equifax, 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 informatyytion, 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

I noticed that TRANSUNION is negligently reporting these inaccurate negative accounts on my credit report. I already tried to fix this with TRANSUNION but they did not send me any process on how they investigated these accounts. This is a violation of the Fair Credit Reporting Act which states that all the information reported on my credit report should be accurate and if ever I would send a dispute or file a complaint with them regarding an inaccurate account, they should disclose with me all the steps they took when investigating and validating the disputed account. 

These are the inaccurate accounts that are in my credit report : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX
Product: Mortgage

This is Urgent I'm getting foreclosed XXXX please stop since I had no Notice to me or the online account By Mr Cooper Mortgage formerly Nationstar mortgage my lender after me fixing to better conditions my house after the explosion of my the house and getting a Trial modification and keep paying extra 3 months they stop me from making payments Why? 



first letter I sent and just below is the second letter because no response Mr cooper regarding why they never sent me a notice of foreclosure to me personally or in my online account just say they send me a letter about protected under SCRA just a letter and a letter contact them on dated XX/XX/XXXX received XX/XX/XXXX well I have been sending them an appeal and no response also I have contacted XXXX XXXX the investor XXXX XXXX XXXX and they told me they will call me but no avail yet I would like your help I need your Help Please hope you are able to stop foreclosure or at least Now that XXXX XXXX be accountable for there actions and settle my fire and explosion Case I have lost everything and now I'm being foreclosed please let them know I have XXXX daughters and their dreams and My dream as a XXXX shatter to pieces I was just opening a photo studio in my house with extensive equipment and I lost all of it no only relating to the foreclosure action but the Negligence on XXXX XXXX XXXX now XXXX home services regarding the nature of my unfortunate Circumstances I have been also Not taking serious neither by the Insurance company of XXXX XXXX XXXX attorneys and they service subcontract with XXXX XXXX XXXX, XXXX they blaming each others but that is The Root of all this is the Negligence of XXXX XXXX XXXX since XX/XX/XXXX and I have not received a penny from them but they Sure had to sue me for the remaining oil bill witch I had to pay back in XXXX they were aggressive here I'm 7 years later and getting foreclosed please help let me send you the documents supporting this claim but more important stop Foreclosure please look at this link https : XXXX % XXXX % XXXX % XXXX % XXXX? XXXX
Product: Credit card or prepaid card

Subject : Complaint about Barclays Bank ( Barclaycard ), Delaware On XX/XX/XXXX, I bought educational programs from Company called XXXX XXXX. I spend almost {$50000.00} for this. Using the credit cards that they pushed me to open in order to fund them. These credit cards of XXXX bank, XXXX  XXXX XXXX, XXXX  and XXXX were for the same purpose of paying the above mentioned company ( XXXX XXXX ). With this purchase I was supposed to receive 16 sessions of " one-on-one '' marketing training over the XXXX in order to be able to market back their product and get commissions. However, instead of getting the promised training, the assigned coach asked me for additional $ XXXX - $ XXXX, and didn't train me the way they had promised to do so. As a result, I received ZERO training. 

I feel very much tricked and cheated, so I called the credit card banks to file for dispute.Out of all these banks, XXXX XXXX resolved my problem within the first 10 days and returned the full credit to my account which I do appreciate a lot.But today, XXXX XXXX Which I filed for complaint on XX/XX/2018 and provided them with all sorts of documents and contracts said they can not help me because in the contract between me and XXXX XXXX  it says it's nonrefundable. They refuse to see my point to even refer to the contract in full. If they take time to review the contract, they should also see that XXXX XXXX, were supposed to provide me with a service which they obviously didn't. Therefore, it was them that breached the contract in the first place. 

What is the point of having Barclays bank credit cards ( Barclaycard )? To make sure you get ignored when you don't receive the services you are promised by the vendor? Just because they don't want to spend enough time on correct and complete investigation of everyone 's cases, you should get screwed? Or is it because they don't want to give up on the commission they make from a dishonest organization, they refuse honest hard working people of their promised benefits / rights? Which one is it? I would like to know!!!
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 XXXX XXXX XXXX. 

XXXX XXXX, XXXX XXXX XXXX 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 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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$21000.00} XXXX XXXXXXXX XXXX Balance : {$780.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I took a car out with XXXX XXXXe about 8 years ago..I got into an accident the car was deemed a total loss and my gap insurance paid the car off in full amount.XXXX XXXX reported the car on my credit report as a voluntary repossession which is incorrect and they also have had a hold of my credit by doing this for the last 8 years.once again the car was paid for by my insurance and XXXX XXXX still has a hold on my credit I believe this is based on XXXX profiling as I been told by many dealers. XXXX XXXX has not removed the voluntary repossession remark from my account and this keeps causing a negative impact on my credit for a long time now.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing this complaint to bring to your attention the failure of XXXX to properly investigate a dispute I raised regarding inaccuracies in my credit report. On XX/XX/XXXX, I sent a certified dispute letter to XXXX. In response, I received an automated reply, which clearly indicates that my request was not thoroughly reviewed. It has now been over XXXX months, and I have yet to receive any further communication or resolution from XXXX regarding this matter. 

XXXX 's actions are in clear violation of 15 U.S.C. 1681e, which mandates that " whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Furthermore, they have not complied with the requirements set forth in 12 CFR Part 1022 ( Regulation V ), which obligates furnishers to : A. Provide information about accounts or other relationships with a consumer that has integrity.

B. Ensure that information furnished about accounts or other relationships with a consumer is accurate.

C. Conduct reasonable investigations of consumer disputes. 

According to the XXXX XXXX XXXX XXXX ( XXXX ), it is also required that consumer reporting agencies adhere to Metro 2 compliance standards when making lawful reports. It is evident that Experian has not followed these standards or the laws that protect consumers like myself. 

Given their failure to address my dispute adequately, my next step is to file a lawsuit against XXXX. I am serious about holding them accountable for not adhering to their legal obligations, and I request that the CFPB intervene to ensure that this matter is investigated properly. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally address concerns regarding my account with your institution. Specifically, despite fully paying off a this account. I believe Navy Federal Credit Union is violating my rights under federal consumer protection laws. The reported information is inaccurate and should be deleted for the following reasons : 1. Incorrect Balance and Past Due Amount : This account was paid in full. The balance and past-due amounts are incorrect. 
2. Incorrect Payment History : The reported payment history rating does not reflect the accounts actual payment record. 
3. Misclassification as a Charge-Off/Collection : This account is not a charge-off or collection. It has been fully paid and should be reported as PAID. 
4. Incorrect Remarks Field : The remarks field is misleading and inaccurate. Please delete all remarks associated with this account. 
The continued reporting of this inaccurate information is a violation of the FACT Act and the FCRA, which mandate that credit reporting agencies ensure the maximum possible accuracy of the data they report. 

I am requesting that this account be reviewed and updated to reflect the following changes : I request the immediate removal of this account from all credit reporting agencies. 


Details of Violations 1. Fair Credit Reporting Act ( FCRA ) : Navy Federal has inaccurately reported my paid charge-off as unresolved to credit reporting agencies. 

Additionally, the account has not been updated to accurately reflect its paid status, despite my requests to rectify the issue. 

2. Consumer Financial Protection Act ( CFPA ) : Your institution has engaged in practices that may be considered unfair, deceptive, or abusive by failing to ensure accurate reporting and withholding proper resolution information. 

I request the immediate removal of this account from all credit reporting agencies. I am writing to formally address the tangible losses I have experienced as a direct result of the inaccuracies in my credit report. These violations have led to the denial of loans and higher interest rates, significantly impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting statutory damages of {$1000.00} for each violation. Additionally, I am seeking compensation for monetary damages, including punitive damages, to address the harm caused by these errors.