23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a letter dated XXXX XXXX2021 Stated I had been turned over to debt collection for {$110.00} Never heard of XXXX XXXX and certainly do no owe them anything Search for TATE & KIRLIN ASSOCIATES INC. online and the {$110.00} amount is all over the internet claiming they are trying to scam people out of money for a debt they never owed. 

No One Has Time To Deal With These Idiots Please Arrest Them Now And Put Them In Jail!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 ( b ) ( 1 ) I didn't give nobody written permission to furnish these accounts to your credit profile.

I have the document attach with the list of accounts I have already disputed these accounts with all three bureau, for other reasons being wrong info, and now about them violating my rights. They continuously deny my federally protected consumer rights over the phone, and say they will not delete these accounts. The last persons I spoke to at Experian ( XXXX ID # XXXX ) and ( XXXX ID # XXXX ) at XXXX, we very adamant and told me the deletion were not happening even after reading them my rights.
Product: Debt collection

The company, JEFFERSON CAPITAL, is trying to steal from my estate! Nobody from this company signs these computer-generated letters and various other means of communication via the XXXX XXXX XXXXXXXX XXXX And since nobody takes responsibility for these claims, I can deem these claims as fraudulent. These accounts do not belong to me. I do not have a contract with this company and it appears that my SSN has been used without my authorization/written consent! Help! This company has stolen my identity!

1. This is a trust action. By taking my SSN, the credit company was given consent by the beneficiary of the trust to access the trust for payment. Any additional payment is double dipping and illegal! 
2. Per public law 73-10 the US Treasury is to handle all public debts due to the elimination of gold coinage and gold clauses in contracts. 3. You purch
ased alleged debt, which in itself, discharged the debt, but then you claim the debt and it becomes a tax write off for you.

4. You can not make any claim of equal consideration and thus have zero legitimacy to call for a tender of payment.

5. According to UCC 8-102 ( II ) Indorsement means a signature that alone or accompanied by other words is made on a security certificate in registered form or on a separate document for the purpose of assigning, transferring, or redeeming it. Which means my original wet signature is worth the value on the form I signed with said company on the day I signed it. It itself became a security and has the same monetary value as written on it as if it were Federal Reserve notes. My signature paid for the service received, as proof you bought said debt because it has value. Meaning, the form I filled out with my signature was redeemed as per UCC 8-102 definition above.

Any further attempts to get me to contract with you will be a violation of 18 UCC 1341 Frauds and Swindles and will be reported to the authorities.
Product: Money transfer, virtual currency, or money service

i am filing a complaint against cash app ( block, inc. ) due to inadeq2uate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. these actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in active communication with Experian Credit Reporting Agency via US Postal Service via certified mail. 

I have spent countless dollars in an attempt to get inaccurate/invalid information permanently removed from my personal credit profile. In order to be proficient in getting this ongoing issue resolved, I send my dispute requests along with a valid current photo ID and a current bill via Certified US mail as to not delay the process or my request and to prevent mail tagging back and fourth from happening with the credit reporting agency. 

In my latest communication with Experian, in an attempt to finally have this issue resolved, I am providing a copy of the identity theft letter that I sent to Experian, along with a valid photo ID and current bill and the actual Police Report to this correspondence from them to reference and remove the items that are fraudulently displayed on my personal credit report.
Product: Vehicle loan or lease

I purchased a cehicke i n XXXX ; XXXX XXXX XXXX  about {$1300.00}. After three years I still ocw almost {$5000.00} and I went to my bank to refinance the vehicle to lower the payment and discovered that I was charged 100 % financing rate when the documents say 20 % interest. This loan compant is violating NC usury laws and overcharging on loans. They also stopped reporting payments to the credit bureau likely to hide the fact that I have been paying {$450.00} for over three years, almost four now. My credit union said that I should report the problem
Product: Credit reporting or other personal consumer reports

Subject : Formal Notice of Non-Compliance and Intent to Initiate Legal Action I am writing to provide formal notice of non-compliance with the Fair Credit Reporting Act ( FCRA ) by your credit reporting agency. This letter is to inform you that several inaccuracies on my credit report, involving previously resolved and deleted accounts which have been unauthorizedly reinserted, have not been corrected despite prior disputes and communications. This notice also references an active Federal Trade Commission ( FTC ) report pertaining to these matters. 

Detailed Account Information : Previously Deleted and Unauthorizedly Reinserted Accounts : XXXX XXXXXXXX Account Ending in XXXX XXXX XXXX Account Ending in XXXX ( Note : This account is listed twice, indicating a potential error in reporting. ) XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Ending in XXXXXXXX XXXX XXXX Account Ending in XXXX Incorrect Collection Account : XXXX XXXX  Reported Amount : {$1500.00} Discrepancy : This collection account is inaccurately associated with my financial records. 
Actions Required : Immediate Removal of Reinserted Accounts : As these entries were previously investigated and determined to be inaccurately reported resulting in their removal, their reinsertion violates the FCRAs provisions concerning the accuracy and integrity of credit reporting.

Correction of Erroneous Collection Entry : The collection account reported under XXXX XXXX does not pertain to any of my financial activities and must be removed immediately to reflect accurate credit information. 
I am prepared to take legal action if these issues are not resolved within the stipulated XXXX period as mandated by the FCRA for dispute resolution. Please consider this letter a final notice before I pursue further legal remedies, including seeking statutory and punitive damages for non-compliance. 

I request written confirmation of the receipt of this notice and detailed documentation of the steps your agency will take to rectify these errors. Immediate attention to these matters is crucial and highly anticipated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # 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 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: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comenity Customer Service Department XXXX XXXX XXXX XXXX, OH XXXX Subject : Formal Complaint Regarding Fraudulent Interest Charges on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ending XXXX Dear Comenity Customer Service, I am writing to bring to your attention a matter of great concern regarding the credit card account of mine. It has come to my attention that there were fraudulent interest charges amounting to {$1800.00} on my XXXX XXXX XXXX XXXX XXXX  in XX/XX/XXXX. 

I had previously contacted the credit card company, XX/XX/XXXX when the card transitioned from Comenity. During that call, she explicitly confirmed that the interest-free terms of the credit card would be honored until the balance was paid off in full. This information was crucial to my financial planning, and she has diligently adhered to the terms outlined during that conversation. 

As documented, XXXX XXXX consistently paid more than the minimum amount due, had automated withdrawals set up through her bank, and, as of now, has successfully paid off the entire balance, with only {$1800.00} remaining at the time of the erroneous interest charge. 

I am requesting a thorough investigation to locate and verify the recorded phone call from XXXX, where the credit card representative assured me that the interest rate would remain at XXXX until the bill was completely paid off. It is imperative that this documentation be found and utilized to rectify the unjust interest charges levied against me. 

The balance of {$1100.00} was paid in full on XX/XX/XXXX. I kindly request the immediate closure of the credit card account in question and the removal of the overcharge and illegal interest from my account. 

I appreciate your prompt attention to this matter and expect a swift resolution. If necessary, I will take legal action to resolve this matter. I look forward to having this resolved in XXXX business days. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX -they never responded by mail or email- the last email I received in regards to my floor and decor bill was XX/XX/XXXX. It is suspicious that there were no emails sent in XX/XX/XXXX and XX/XX/XXXX. 
- they have not even tried to locate the recordered phone call- they purposely give incorrect information so they can take advantage of consumers. Im curious if this has happened to other consumers. 
- I asked to negotiate the interest charge and they said no - I can not pay a {$2000.00} interest charge - I am a victim of credit card fraud.
Product: Debt collection

I have received ONE letter of communication from XXXX XXXX dated XX/XX/2019. On XX/XX/XXXX I sent a letter to XXXX XXXX requesting validation of debt including breakdown of all charges, dates of purchase and items purchased including any and all fees or charges included. I waited 30 days and I received nothing. 
On XX/XX/XXXX I sent a follow up letter reminding them they were in violation of the FDCPA by not responding within 30 days and requested the information again. 
As of today I have not received validation of debt as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2022, I discovered that XXXX is continuing to report me for owing them for XXXX of XXXX student loans I had with them. Both of the loans I had with XXXX transferred to XXXX  in XXXX of 2022 and then to XXXX on XX/XX/2022 as a part of my Public Service Loan Forgiveness process. What alerted me to the inaccuracies on my Equifax and XXXX credit reports is the increase in the amount I owe for student loans. The amount increased from {$160000.00} to {$220000.00}. XXXX is still reporting me as owing them {$59000.00}. This is not accurate. I no longer owe them anything. I disputed the inaccuracy with all XXXX credit reporting agencies. Equifax completed their " investigation '' in less than XXXX weeks and stated my loan with XXXX was accurate. I then contacted XXXX and explained what I was seeing on my dispute report. The XXXX representative stated she didn't know why because " they '' haven't reported anything on my credit report since XXXX, 2022. I told her that I could see on the report from Equifax that XXXX DID report that I owed them {$59000.00} in XX/XX/2022 and again in XX/XX/2022. I then told representative that I needed something in writing to show that I have a XXXX balance with XXXX. The representative told me she could not send me anything like that through email. I then informed her that XXXX did send me a transcript of what I paid them throughout the years through email without any issues. I then asked her if I should contact the XXXX XXXX XXXX and within a few minutes, I received XXXX separate emails from XXXX stating I paid off my XXXX loans with them. I then did another dispute with Equifax and uploaded the emails from XXXX. I then contacted XXXX and XXXX and there have still been no changes. This has caused my credit score to drop XXXX points. The credit reporting agencies are not doing their due diligence to help me ( as a consumer ) with this XXXX inaccuracy. I have also reported this to my state 's Consumer Protection Division.
Product: Mortgage

I fell behind on my mortgage around XX/XX/2017 due to slow work and less money.I am also taking care of a XXXX grandchild. I am really struggling in life. I tried my best to keep up, but the money just keeps accumulating. I became so desperate and stressed out. On XX/XX/XXXX I applied for mortgage assistance with my lender Vanderbilt Mortgage. I then received a letter dated XX/XX/XXXX offering me {$500.00} to vacate my home by XX/XX/XXXX. I received the letter after XX/XX/XXXX. So, they basically gave me a week to vacate for {$500.00}? How dare they? {$500.00}?? What am I going to do with {$500.00}? Then a letter dated XX/XX/XXXX arrives asking for {$2100.00} and then they'd bring me back to current and denied my application because it was their " belief '' that I can afford the payments with the current terms. So first {$500.00} to basically go homeless and then just magically pay them {$2100.00}? Are they crazy. They are really a nasty bunch. My interest rate is 12.72 %!!! And, I am not by any means wealthy. I just want some payment relief so I don't get into this situation again. These guys are a real bad bunch. I need help. Please.
Product: Checking or savings account

I believe I was charged exorbitant overdraft fees on my checking account at Wells Fargo between the years XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX XXXX Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX mi XXXX I am writing to formally express my dissatisfaction regarding the recent closure of my Chime account and the retention of my funds totaling {$9000.00}. I believe this action was taken without proper justification, and I would like to provide my account of the situation. 

On XX/XX/year>2024, I was informed that my account was closed due to identified loads. However, I have evidence supporting that the funds deposited into my account were legitimate, specifically from the sale of my car. I have attached the relevant documentation to substantiate my claim. 

As a loyal customer, I find this situation concerning and unjust. I kindly requested a detailed explanation of the reasons behind the closure of my account without refund and an immediate resolution regarding the retention of my funds. But what not helped Please respond to my complaint at your earliest convenience, as I am eager to resolve this matter swiftly. 

Thank you for your attention to this issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Student loan

Dispute letters have been sent to all credit bureaus every 30 days disputing such debt. FedLoan Company has disregarded all dispute letters requesting debt removal from credit bureaus. However FedLoan did not respond to any all the dispute letter. Amount show owed to XXXX XXXX is not correct. All dispute letters have stated information is not correct. requesting all proof of such debt. Yet FedLoan, XXXX, XXXX and XXXX are not removing such debt from my credit report. This has been going on for about 6 months back and forth and nothing has been done. FedLoan basically ignored all dispute letters send notarized. Thank you. I hope this is a better way in resolving this issue with FedLoan Disputed Center. It's been a nightmare to receive any response from them.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFBP I am filing a complaint against One Main for failing to correct incorrect credit reporting. I have two accounts with erroneous information reporting, for account number XXXX One Main is reporting late payments in XX/XX/XXXX and XX/XX/XXXX. I have sent letters and even got proof of payment was remitted electronically before the due date from my bank with amounts and dates still One Main has not corrected the error. My second account XXXX is reporting that late payments occurred in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Again I got my bank to issue proof that payment was remitted electronically before the due date of the XXXX. Still One Main had failed to fix this account. I am requesting that the months in question for both accounts be corrected to paid as agreed immediately for all three credit bureaus. 

Thanks for you help in this matter, XXXX XXXX XXXX XXXX.
Product: Debt collection

We constantly get calls for the people that use to have our phone number. We have had the same phone number for at least 4 yrs and we still get phone calls. I have a feeling the bad debt keeps getting sold to other companies so the calls never end. There are days when we get 3 or 4 calls a day. We tell them no one by that name lives here. We are no relation to these people and they have n't had this phone # for years but nothing does any good.
Product: Mortgage

I am writing this complaint to disclose my unfortunate circumstances. I have financial hardship and going through lot of problem in my life. I felt behind my mortgage and I can not afford to pay mortgage. I am trying to do a short sale on this property and the servicer of this loan is Ditech financial LLC and they have completed a full appraisal of the property on XXXX/XXXX/2016 and the valuation came back as $ XXXX. My authorized third party have submitted an offer for $ XXXX more than a month back and this offer is more than 95 % to their value. Since then neither me or the authorized third party are being helped by the servicer and they are not also providing any clear status update on the file. Not only that they also tried to restart the file from scratch 3 times without any legitimate explanation. They are negotiating this account in bad faith and depriving me from my rights to get ride of my debt via short sale. Please take immediate actions and help me complete short sale on this property.