23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank On or about XXXX of 2022 I found on my credit a charge card from Big Lots Of department store through Comenity Bank. I called and they told me it was opened by my ex-wife. I told them it was not my debt, nor would I pay it. I filled in a police report and an affidavit with FTC. I have opened investigations with the three major credit bureaus as well as XXXX XXXX, XXXX, XXXX XXXX, and XXXX. They all Sent letters and refused to take the debt off my report, causing me great harm and loss. I have sent numerous registered mail services to address this issue including copies of my drivers license, copies of the police reports and the affidavits, as well as all other associated documentation. The reason for their refusal to remove the inaccurate credit listing is that the lender verified the debt. I have sent more than one letter of registered mail to the lender with no answer nor the removal of any inaccurate information.
Product: Student loan

Department of Education Navient claims that I was late 1 payment in XX/XX/XXXX and Late one payment in XXXX of XXXX, late 1 payment in XX/XX/XXXX and late 6 payments in XXXX from XXXX to XXXX. This is not accurate. I should be current for all the months as this account is in deferment. Thank you for your time and consideration.
Product: Debt collection

I called Discover on XX/XX/year> at XXXX and spoke with a representative named XXXX XXXX I told him that I don't recall having a debt with the company and asked if he could verify the alleged debt, they say I owe. He told me that I wasn't speaking to someone in the correct department. So, he proceeded to transferred me to the customer service agreements department and I spoke with a representative named XXXX. I told her that I wasn't aware of this alleged debt and asked her if she can send me verification of the alleged debt, and she told me she couldn't do that. She asked if I wanted to speak with someone from the security team, and I told her sure. She then proceeded to transfer me to the charge verification security department, and I spoke to a representative named XXXX. I asked XXXX the same question, can she send me verification of the alleged debt in question. And I couldn't get the information.
Product: Credit reporting or other personal consumer reports

I am writing this complaint because I recently noticed that a company called AFFIRM is reporting my account as a collections account. I am not sure if this account was sold. If it was sold, they should not be reporting any account to my consumer report. It should be removed. I need clarification. I want to ensure the company responds to my complaint and notice of dispute accurately. I am requesting a investigation into the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending Certified Mail, Return Receipt Requested complaints to XXXX XXXX and the Small Business Administration that there were unauthorized credit inquiries made by their organizations on my XXXX, XXXX, and Equifax credit files, I received form letter responses and no action was taken. 

I then contacted XXXX XXXX, and Equifax regarding unauthorized Credit Inquiries made by XXXX XXXX and the Small Business Association, and requested these unauthorized inquiries be removed. Again, I received form letter responses with no action taken or no response at all. 

I informed all the above parties that I wanted to see my written authorization granting them the right to make a credit inquiries, and no corrective action was taken.
Product: Debt collection

I am Attempting to get this account deleted off of my credit report the accounts is not accurate and is non void below is the resolution that I see best fit for my credit profile. Please delete this account off of my credit history immediately as it is harming me financially. Which has been a burden to me. 


Company : Ars XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX United States Re : Alleged Original Creditor : ARS ( Account Resolution Services ) Alleged Debt Amount or Balance : {$1000.00} Dear ARS ( Account Resolution Services I recently received communication from you attempting to collect the above-listed alleged debt. 
Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. 
Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. 
Further, I request verification of the alleged debt, specifically, I request : ( 1 ) a copy of every contract and/or agreement, including, but not limited to, * an informed consent for medical treatment and * financial responsibility agreement, signed by alleged listed original creditor name ; and ( your name, 1. a copy of all actual bills sent from { alleged listed original creditor } to tyour name ; with tracking numbers ( e.g., certified mail return receipt number ) or other proof of mailing ( e.g., affidavit of mailing by individual who mailed it ), 2. a copy of all pre-certifications and billings sent to insurance companies and a copy of all payments received from insurances companies for the alleged debt, 3. a copy of the record ( i.e., the amount paid and date of payment ) for any co-payment made by ( your name } to { alleged listed original creditor }, 4. a detailed itemization of the amount that you are attempting to collect, including but not limited to, procedure type or medicines or other items and their respective costs. Said contract or agreement must be with the original creditor and signed by all parties involved. 
You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. 
Cease and desist all collection activity, including all reporting to consumer reporting agencies. 
Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. 
If you comply with my deletion request within 14 days, then you are excused from verification. 

Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt.

This letter and evidence may be provided to the Consumer Financial Protection Bureau ( " CFPB '' ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney and sue you. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Im filing this complaint regard an inaccurate item on my credit report that continues to negatively impact my credit. Despite my calls letting them know I have no knowledge of these accounts, it remains unresolved. Im requesting immediate investigation and removal of this item as it does not correctly reflect my true credit history. I have gotten many spam calls from random number of people requesting my personal information! Saying that I owe debt that I do not owe from XXXX XXXX cellular company. It was sent to collections and it is not accurate.
Product: Mortgage

Payments have been made every month, but Shellpoint Mortgage Servicing has continually claimed it was not paid. It has been months of dealing with this issue and they always ask for bank statement proof that it was paid. It has been emailed over numerous times and they send a confirmation email and then later say that they never received the email. They now say we owe three months when we have made every payment except for the one due in XXXX ( it wo n't allow us to pay just one month, it 's requiring us to make two that we have already paid ). They have given us the runaround for months and have now added an additional " missed payment '' and destroyed our credit.
Product: Checking or savings account

I received a debit card from Chase on XX/XX/XXXX of which was for a checking account at chase that ended in XXXX. I do not and have never opened a checking account at Chase Bank. I called the bank on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX after waiting both times for over 45 minutes was told that I had to speak to the Fraud Department and they were closed. On XX/XX/XXXX i waited for an hour for a representative and when they answered they disconnected me. I proceeded to call back and waited another 50 minutes when a gentleman answered named XXXX who verified that there was a checking account opened for 35 days with a XXXX balance, the account was opened online and verified that all of the information was mine with the exception of the telephone number was an XXXX number which should have been a RED FLAG. He proceeded to send me to the Fraud Department where a lady named XXXX informed me that she had to send me to the Identity Theft Department. A XXXX from the Identity Theft department informed me that she was going to mail me a document to sign and I needed to mail copies of my Drivers License and another form of ID along with my SS card, They already obtained and confirmed my information with me and I still have not received anything from them. I feel that the bank did not do a proper XXXX due diligence when this fraudulent account was opened and they also ran my credit as I checked my credit report and it is on there. The debit card number is XXXX XXXX XXXX XXXX. I asked for the Chase staffs full names and they all stated that they were only allowed to provide their first name.. It was never confirmed that this fraudulent account was closed and that the debit card was closed out too. This is the worst bank as they opened an account and didn't do the proper due diligence and to know that now someone out there has all my information and was able to open an account is very disturbing.
Product: Debt collection

Since 2018  NFCU has illegally taken personal property NFCU has illegally charged me for payments already made NFCU has illegally repossessed my vehicle without notice NFCU has been verbally abusive NFCU has trespassed on my property NFCU has threatened legal action without proper notification NFCU has made negative reports to credit reporting agencies NFCU has taken illegally taken pictures of my property and my family NFCU has listed my home for sale NFCU has not notified me of options or late payments NFCU has frozen my accounts
Product: Credit reporting or other personal consumer reports

The following accounts needs to be deleted from my credit report as soon as possible ; DEPT OF EDUCATIONXXXX account XXXX XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATIONXXXX account # XXXX DEPT OF EDUCATION/XXXX account XXXX XXXX DEPT OF EDUCATIONXXXX  account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATIONXXXX account # XXXX DEPT OF EDUCATION/XXXX account XXXX XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATIONXXXX account # XXXX DEPT OF EDUCATIONXXXX account XXXX XXXX These accounts are in direct violation of 15 USC 1681S-2 ( A ) ( 1 ) ( E ) ( ii ) rehabilitation of private education loans these loans have completed the rehabilitation process .
Product: Debt collection

My situation involves a time barred debt held by Cavalry Collection agency which I am being sued over. I found out about the lawsuit because I received a solicitation from an attorney explain that they could help me in the lawsuit. I had no idea there even was a lawsuit. What there was were numerous disputes from my behalf against Cavalry collection agency, all of which have been ignored and or responded yo not with the itemized charging documents or other original paperwork tied to the account as the FDCPA outlines, but rather with bills for their agency. 
The debt is old. Past the state statute of limitations. The moment I got wind of the lawsuit, I called the attorney of record for Cavalry : XXXX XXXX XXXX | Attorney at Law ( Admitted in Michigan ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX I explained that the debt was past the state statute of limitations and she informed me that a payment was received in 2016 of {$20.00} dollars that restarted the statute of limitations. When I asked where the payment had come from and who had made it against the account, she replied that she did not have the information and that it didn't matter who made it. The " payment '' reset the statute. I was then informed that Cavalry was suing me for {$2000.00} dollars but if I paid {$1000.00} they would remove the debt from me and not continue with their lawsuit. I find this all preposterous and highly dubious. Very convenient that a phantom payment was recorded by an unknown individual that " doesn't matter '' which reset the statute of limitations just when it was about to age off. 
I also find it highly suspicious that while I disputed the collection numerous times, Cavalry has chosen never once to comply with the FDCPA laws and provide tangible documentation on the debt. I suppose that doesn't matter as well. 

I do not have an attorney yet, but am asking this agency to step in and mediate the matter to make sure that my rights are not being violated under federal law. Furthermore I request that my original request for validation be noted for the record as well as that cavalry filed a lawsuit against me without proper notification never once having answered by disputes. I had to find out through a solicitation from an attorney who monitors court filings of their legal action. Completely shameful.
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 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 redres
Product: Credit reporting or other personal consumer reports

I've repeatedly tried to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but it persists. These unauthorized entries have seriously disrupted my life, causing major stress and XXXX. I want to be clear : I never authorized or consented to this information being linked to my name. I'm a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to inaccurately report an account from XXXX XXXX XXXX. This creditor was removed from the credit report on two prior occasions under the original creditor XXXX XXXX. They now have a collection agency ( XXXX XXXX XXXX XXXX re-reporting the same information on my credit report and changing the date so that they can keep reporting it. They keep bouncing from bureau to bureau I have filed a complaint where they reported on XXXX doing the same thing. I want this collection agency to stop reporting this debt which is way over 7 years old and they redate it so that they can keep in on my report. This is shady on the part of Experian and XXXX XXXX XXXX.
Product: Student loan

The school promised me grants, scholarships, and Military grants for tuition. I did not receive these promised Financial benefits in the end. It is to my understanding that a XXXX XXXX is awarded to students who are in dire financial need and need extra money to cover education cost. The semester XX/XX/XXXX, prior to being dismissed, my tuition cost were covered with the financial aid I was awarded. Upon a records check in XXXX, and it became known to me that I had an outstanding loan of {$300.00} by way of a XXXX XXXX from XXXX XXXX XXXX XXXX XXXX also known as XXXX. The school sent me a master promissory note with a signature that is not mine. The signature on the master promissory note contains a mixture of numbers and letters. For the record, the digital signature is not mine nor have I used one to sign any of my master promissory notes. It is also to my understanding that the document more over the promissory note must be an exact copy of the original. The master promissory note the school sent had an address where I currently live, when I attended the school I did not live in XXXX. The original document would have the address on it where I lived at the time the master promissory note was signed. 
I did not need the money for tuition. I did not request the money nor did I receive the {$300.00} back in the form of a student refund nor was it applied to my tuition cost. 
I have made several written formal request ( to the school demanding the removal of this loan from my credit and that the XXXX loan is mine. I've explained to them that I did not apply for it nor did I need it, however I have not been able to come to a meeting of the minds with the school or loan servicer XXXX. Again the money was returned to the school I never seen it. 
The documents that I have attached to this complaint should explain moreover detail the fact that I have presented in the complaint. Both of the attachments I have below labeled ( XXXX. itemized statement XXXX XXXX loan XXXX XXXX ) show that I received a refund approximately {$800.00} ( XXXX ) = {$1600.00}, therefore the financial need that required me to request this XXXX XXXX is not valid. My tuition & book cost were covered as shown on the attachments I've referenced to above. 
Again, the need was not present and I did not request it nor did I want it. Moreover, proof is within my attachments showing that this was paid. It is a fact, most of the XXXX Loans have been discharged many years ago. For some reason the school decided to reverse the payments and add it back to my account. The proof of this is in the attachment, XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information that appears in my credit report concerning XXXX XXXX XXXX. After carefully reviewing my credit reports from all three major credit bureaus, I have identified specific inconsistencies and inaccurate information. FCRA Compliance : Under the Fair Credit Reporting Act ( FCRA ), credit bureaus and data furnishers must ensure that all information is accurate and verifiable. 

**Timeline Discrepancies** XXXX XXXX XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans UnionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans UnionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans UnionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

We applied for a mortgage to purchase a condo at XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX with Wells Fargo. We were promised a discount based on our assets under management, from the original rate of XXXX to XXXX throughout the entire process, however just as we were about to close, they rescinded the discount, a clear case of Bait and Switch. 

XX/XX/XXXX : Email offering us the rate of XXXX multiple phone conversations confirming this rate XX/XX/XXXX : another email confirming this rate XX/XX/XXXX : another email assuring us it is a " no brainer '' that we will qualify for the discount. 
XX/XX/XXXX : XXXX XXXX before closing they said they'd made a mistake and we would not get this rate. This resulted in additional costs of the loan of {$52000.00}, but due to the timing our hands were forced. We asked for a management review and after the fact they said that they declined our request.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX was hired by XXXX XXXX XXXX XXXX XXXX to collection on a {$390.00} debt owed. On XXXX/XXXX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX XXXX XXXX and paid them $ XXXX the check was cashed on XXXX/XXXX/XXXX. 

I am requesting that XXXX XXXX XXXX, update their records with XXXX XXXX XXXX XXXX XXXX in order for XXXX 's to correct the information on my credit report with the XXXX major Credit Bureaus- XXXX XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX OR XXXX on XXXXXXXX XXXX XXXX XXXX XXXXXXXX OR XXXX on XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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. 


Incorrect Names on XXXX : XXXX XXXX XXXX Incorrect Addresses on XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Incorrect Employers on XXXX : XXXX XXXX XXXX Incorrect XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX Employers on XXXX Modeling Agency Incorrect Addresses on Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX on Equifax : XXXX XXXX NEEDS REMOVAL XXXXXXXX XXXX XXXX XXXXXXXX XXXX Lease, Listed as Charged off/past due {$1800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX Unsecured Listed as Installment account on Equifax and on XXXX as XXXX XXXX XXXX {$500.00} XX/XX/XXXX Listed as 3 late payments but Paid.closed XXXX XXXX XXXX XXXX  No Amount listed No amount listed. Listed as Installment on XXXX and as XXXX XXXX Equifax but Secured Loan on XXXX XX/XX/XXXX Secured Loan Listed as Paid/Closed with 1 late payment XXXX XXXX XXXX XXXXXXXX {$150.00} Secured Card Listed as secured card on XXXX with 6 late payments and revolving on Equifax as XXXX XXXX with 5 late XXXX. Listed as 5 late payments with XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debt Buyer Listed as open account on XXXX and Equifax as XXXX XXXX XXXX and but listed as collections as XXXX XXXX XXXX on XXXX {$480.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Listed as Open Account on XXXX but Collections on Equifax as XXXX XXXX and XXXX as XXXX XXXX XXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Listed as Open Account on XXXX but Collections on XXXX and Equifax XXXX 
{$310.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Listed as Charge off Business Card on XXXX but Listed as revolving on Equifax and revolving account XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Credit Card Listed as revolving on Equifax and revolving account on XXXX but listed as credit card on XXXX. Listed as Closed Charge off {$200.00} XX/XX/XXXX