23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XX/XX/1995 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 



Transworld System Inc. 

XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX To whom this may concern : This letter is in response to the collection that is on my credit. 

You claim that I owe debt in the amount of {$560.00} to XXXX XXXX XXXX XXXX, account number XXXX. 

According to the Fair Debt Collection Practices Act, specifically 15 U.S. Code 1692c, this is my formal declaration to terminate and cease all communication from you in regards to the debt you are attempting to collect.

In response to this Ceasing Communication letter, in accordance with the Federal Fair Debt Collections Act, you may only contact to inform me that there will be no further collection efforts or to notify me that a specific action will take place.

Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act. In addition, any third ( 3rd ) party that you use to coerce the collection of this debt shall also be in violation of federal law. 

If you do not cease communication a lawsuit will be commenced against you. 


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

I looked at my report back as of XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy or the intormation concering the individual about whom the report relates. These accounts ( XXXX XXXX XXXX  XXXX Account # ( XXXX ), ( XXXX XXXX XXXX ) account # ( XXXX ), ( XXXX XXXX XXXX  ) account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX ) account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) are ridiculously incomplete and not accurate. 
In accordance with the Fair Credit Reporting act. Accounts listed above have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 probable cause to believe the information is inaccurate!
Product: Debt collection

I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, XXXX and XXXX XXXX respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.
Product: Student loan

I hereby demand that DIRECT LOANS update all reports as discharged, paid in full XXXX has failed to provide any proof or counterclaim evidence that I owe this alleged debt XXXX is operating illegally and unlawfully. 
XXXX will proceed to issue an order to compel arbitration and seek compensating damages Please Be Advised XXXX requests to speak to the underwrite of DIRECT LOANS. 
Further XXXX XXXX Not XX/XX/2025 The United States Supreme Court in XXXX XXXX XXXX XXXX XXXX, declared all forms of fiat currency null and void. The ruling purportedly entered on XX/XX/2025 declared the " foundational practices of modern banking and credit are inherently fraudulent. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Capital One and I have a XXXX balance on my credit report, it has also been on my account for seven years and it needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS XXXX : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to you today with a heavy heart to dispute the negative items listed on my credit report, specifically the charge off accounts for XXXX XXXX ending in XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX, as well as the inquiries by XXXX XXXX XXXX XX/XX/XXXX. 

The circumstances surrounding these negative items are emotionally charged for me. I have always been a responsible individual and have worked hard to maintain a good credit standing. However, due to unforeseen circumstances beyond my control, I was unable to make payments on these accounts, resulting in the charge offs. 

The financial stress caused by these events has taken a toll on my mental health and has caused me great distress. As someone who takes their financial responsibilities seriously, I have been actively working to rectify the situation and get my finances back on track. I have taken steps to pay off my debts and have been working with a financial advisor to improve my financial literacy and make better financial decisions moving forward. 

I understand that the negative items on my credit report are a reflection of my past financial struggles, but I implore you to consider the efforts I have made to rectify the situation and move forward. I am committed to doing everything in my power to improve my credit standing and prove that I am a responsible borrower. 

I respectfully request that you investigate these negative items and remove them from my credit report if possible. Your understanding and assistance in this matter would be greatly appreciated. 

Thank you for your time and consideration. 

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

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so.

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions
Product: Credit reporting or other personal consumer reports

I contacted TransUnion to delete few hard inquiries in my credit report, but they never do anything, I explained that all this hard inquiries is not me or Idid not authorized this, please delete this immediately in my credit report. On my XXXX Idont have all this in my report. 
Document attached Hard inquiries and date XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete this
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

Experian : XXXX XXXX XXXX- XX/XX/2022, XXXX- XX/XX/2022, XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XXXX- XX/XX/2022XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX- XX/XX/2022
Product: Credit card

I have a general complaint about credit card soliciting where it says I have been pre-approved. This is suppose to mean I have already qualified based on my credit score, etc. This means they have enough information where they do not need to request any other credit information and thus hurt my score by inquiring through the credit agencies. Apparently this is not the case and it is very deceptive. I will not do business with any company that is deceptive. In fact, I will read them the riot act just as I did to Key Bank yesterday, Monday, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

credcoor XXXX XXXX inaccurate information to credit company or broker
Product: Credit reporting or other personal consumer reports

I noticed an inquiry on my credit report that I dont recognize nor have applied to. I did not authorize this or give consent for the company to access my credit information. This situation is causing me stress and anxiety, as Im unsure how or why it occurred.
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. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$290.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$490.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$260.00}, XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$190.00}, and XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$100.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, which has left my account vulnerable and unprotected. To conclude, their dispute resolution process is completely unfair and deceptive, they did not comply with error resolution requirements under ( EFTA ) and Regulation E. This has caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation auto loans late payments ALLY FINANCIAL FRCA Violation student loans U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX FRCA Violation personal loan late payments XXXX XXXX XXXX XXXX FRCA Violation collections XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation inquiries XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

They made it extremely difficult to be signed up for income driven repayment. Even though XXXX XXXX approved mine with the same documentation, Navient kept requesting more and more and trying to hold off on signing me up. I had to yhreaten to call the attorney general to get anything done!
Product: Debt collection

I contacted H & R ACCOUNTS INC ( original creditor : XXXX XXXX XXXX XXXX ) at the address of XXXX XXXX XXXX XXXX, IL XXXX which is the address that is showing on the credit reports of XXXX, XXXX, and XXXX to request for this company to send me validation of debt ( this company alleges that I owe {$640.00} that is being reported on my credit reports ) and to show proof that this company owns the debt. I have not received a response from this company at all since I mailed the letter dated for XX/XX/2022. Since XX/XX/2022, this company is still as of today 's date of XX/XX/2022 is defaming my character and is negatively affecting my ability to get approved for credit because of their negligence to respond and correct this unverifiable, negative furnishing of information to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX  public record was removed by XXXX in XX/XX/XXXX because inaccurate information was listed. Although the public record was removed, I still have XXXX accounts that still show the " included in XXXX XXXX XXXX '' remark, which I've now disputed over XXXX times because the Status updated date is not correct and should match the date of when the case was filed in XX/XX/XXXX or the discharge date of XX/XX/XXXX. Neither date is shown for the Capital One or XXXX XXXX XXXX XXXX  accounts XXXX Each company has allegedly verified the information as accurate, which it is not!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, [ FIDELITY INFORMATION CORPERATION 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Montana XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report which I believe are inaccurate and violate several laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTACT ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 

The following items are being disputed : 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Firstly, I dispute the accuracy of the information regarding the collection accounts for 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  These accounts have been reported as collections, but I have no record of ever receiving any communication regarding these debts. I request proof of the debts and the attempts made to contact me regarding them. 

Secondly, the charge-off accounts for 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  have been reported inaccurately. These accounts were either settled or paid in full, and I request that the information on my credit report be updated to reflect this. 

Lastly, I dispute the collection account for XXXX XXXX XXXX XXXX XXXX. I have no record of ever having an account with this institution and I request proof of the debt and the attempts made to contact me regarding it. 

I request that you investigate these items and remove any inaccurate or incomplete information from my credit report. Please provide me with a written response detailing the results of your investigation and any actions taken. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

In XX/XX/XXXX, my wife and I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX in XXXX, NC, in a community called XXXX. In conjunction with the offer to purchase, we opted to use First Citizens Bank ( FCB ) as they were recommended to us by the builder as a preferred lender. Upon making and finalizing our loan application in XX/XX/XXXX, I asked the mortgage officer, XXXX XXXX XXXX, if FCB could meet or exceed a competing lenders offer to provide us with {$5300.00} of assistance at closing. In an email response to me on XX/XX/XXXX, XXXX XXXX offered us a percentage rate of 6.75 % on the loan with {$6300.00} in closing assistance. In making that offer to us, XXXX XXXX did not stipulate any conditions, e.g., if the interest rate were to go down, then the amount of closing assistance would also decrease. On XX/XX/XXXX, approximately a week out from our closing date, we received a loan summary which indicated the closing assistance extended by FCB would only be {$3000.00}. Later that day, I had a follow-on phone conversation with XXXX XXXX and asked him directly why he was not willing to honor the offer he made on XX/XX/XXXX to give us {$6300.00} in closing cost assistance. His answer was : it was a limited time offer at a time when interest rates were hovering around 6.5 - 6.75 % in order to help us out. I pointed out to him that there were never any conditions applied to the original offer of {$6300.00}. At that point, I was told in a very direct tone that I had three choices : 1 ) I could accept the offer of 6 % and {$3000.00} in closing assistance ; 2 ) I could accept a higher rate of 6.5 % and get the {$6300.00} in closing assistance ; or 3 ) we could cancel the transaction altogether. Being only eight days out from closing and over the proverbial barrel, I felt I had no choice but to accept the terms he was offering per option XXXX. Later that same day in an email, he increased the closing assistance to {$5300.00} with locked-in rate of 6.00 %. On the day prior to closing, the amount was increased again by {$150.00} to a total of {$5500.00} due to an administrative oversight -- still less than what was originally promised. After closing, I took up the matter again with FCB and eventually connected with XXXX XXXX XXXX, Regional Vice President. On XX/XX/XXXX, I traded emails with XXXX XXXX and we eventually talked by phone. I replayed and amplified the entire exchange with XXXX XXXX for XXXX XXXX. His response in essence was : we did the best we could for you on closing cost assistance. He refused to acknowledge the original offer extended by XXXX XXXX and flatly refused any suggestion that the bank still owed us {$790.00}. The only point of agreement was that XXXX XXXX had acted in an unprofessional manner during our phone call on XX/XX/XXXX. He ended the call by assuring me I had personal access to him when the time came for us to refinance and he further suggested that FCB would do its best to provide us with a competitive rate and terms.