23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2017 I reviewed my credit reports and found that there was an inaccurate report of an account that was not mine. 
As a previous victim of ID Theft on XX/XX/2017 I contacted the company reporting the account in writing and delivered by certified mail requesting full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation included competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay you. 
I made it clear in my letter that the negative marks found on my credit report from the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated you must take steps to have all reporting bureaus delete this entry.

I have received no response from Transworld System. It has been over ( 7 ) months from the date of my dispute which is over the 30 days time frame making this company out of compliance. Under advise, I wish to informed Transworld System that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reopening my complaint regarding the unresolved issues with accessing my Equifax credit report. Equifax previously informed me that the issue had been resolved, but I am still unable to access my account. Each time I attempt to log in, I am prompted with an error message asking me to call and provide a code ( XXXX  ), which I have done multiple times without any success. 

The level of customer service I have received is absolutely unacceptable. Despite numerous attempts to resolve this issue, I am continually met with incompetence and frustration. It is extremely disheartening that Equifax closed my complaint while falsely claiming that the issue had been addressed. Clearly, this is not the case, and it feels as though I am being misled. 

I am deeply frustrated by the lack of transparency and resolution, and I believe that Equifax should be held accountable for this level of neglect and inefficiency. The fact that I can not access my own credit report after so much time and effort is unacceptable, and the repeated failure to resolve this issue raises serious concerns about the companys practices. 

I request immediate attention to this matter and expect a proper resolution as soon as possible.
Product: Credit reporting or other personal consumer reports

I sent a letter to this company on XX/XX/2023 and have not received a response from this company. I am not liable for this debt with XXXX  XXXX XXXX  usa and I do not have a contract with Portfolio Recovery, plus they did not provide me with the original application like I asked. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX  XXXX  gives a reason to immediately remove those items from my credit report and it has been over XXXX XXXX so they should be deleted promptly. I demand this account to be deleted immediately from my credit report or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. The product/service is a XXXX, Account numbers is XXXX-XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Cares Act, I requested my mortgage company Carrington Mortgage put my loan on forbearance. They granted this request from XXXX. I was told by at least 10 people from this  company this would never show up on credit report. On XX/XX/2020 I opted out of forbearance and paid my balance in full. I was again told at this time that this would never affect my credit report and I could go back to making regular payments on XX/XX/2020. I am now getting notifications from credit bureaus that my loan is 120-180 days late  which has completely screwed up my credit. Extremely disappointed in Carrington Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tower Loan continues to run a hard inquiry on my credit without authorization every three months. I have no knowledge of this company or any application for a loan ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Checking or savings account

On or about  XXXX   XXXX ,    2017  - I opened a  Citibank  premier checking account with a deposit of $  XXXX  following the correct promotion code. As per the terms - customer is suppose to get {$500.00} as promotional cash to maintain $  XXXX  as daily balance  for 60 consecutive days.I followed all the terms and conditions but still Citi is denying me my hard earned {$500.00}  promotional cash. The reason - i had another account during the last 60 days - but that 's no where mentioned in the Terms and conditions ( printout PDF that i am attaching  ). Essentiall one or the other way - Citi does n't want to let the customers has promotional bonus. My spouse (   XXXX   XXXX  ) few months had the same issue  with Citibank where Citi denied her the promotional cash
Product: Credit reporting or other personal consumer reports

I kindly request that you remove these inquiries, as it does not belong to me, and I have no association with the listed creditors. I urgently request that they be removed from my credit report cause they have a negative impact on my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scam. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

I have Never recieved compensation from ANY of the gift rewards or point tracking platforms since I have been using these platforms.
Product: Checking or savings account

I had an overdraft account with Chase from XX/XX/XXXX-XX/XX/XXXX that had an unpaid balance. In XX/XX/XXXX I contact the bank to resolve the balance and was told I would be able to open a new account once I paid the balance. I paid the balance and waited 10 days to open account. When I opened the account within 2 weeks they closed the account. Then in XX/XX/XXXX I attempted again I tried again to open a prepaid account. I was told I could never open another account with Chase.
Product: Credit reporting or other personal consumer reports

" I have previously disputed this item with you > Insert Public Record Name / Reference # < and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA XXXX ( 15 U.S.C. XXXXl ) and the information must be deleted immediately. '' I am writing to formally request clarification regarding an alleged debt that your agency claims I owe. Under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C. XXXXb and 15 U.S.C. XXXXg, I am entitled to request and receive specific information related to this debt. 

I would like to highlight that I have never entered into a legally binding contract with your agency that would indicate I owe any amount. Furthermore, I believe the original creditor may have engaged in fraudulent practices. 

In accordance with the FCRA, I am requesting the following information to verify the validity of this alleged debt : 1. The date of first delinquency. 
2. The date of the last payment. 
3. The date of charge-off. 
4. The chain of assignment for this debt. 

Additionally, I would like to request a purchase order that includes all parties involved in this alleged debt, along with signed proof that you have the legal right to collect this debt in Texas. 

Please provide this information at your earliest convenience. Failure to provide adequate verification may result in a request for statutory damages due to the furnishing of inaccurate information regarding this debt.
Product: Debt collection

Resubmission - I reached out to them XX/XX/XXXX in a request for validation and they never responded as you can see with the attached green slips. I also filed an original complaint XX/XX/XXXX and it was closed without being looked into.
Product: Credit reporting or other personal consumer reports

My 5 Federal student loans were forgiven in FULL effective XX/XX/year> ( according to their email, which I have attached ), however Nelnet ( my processor ) continues to actively report a past due balance on my credit report for each loan, which is negatively impacting me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED COUNTLESS DISPUTES REGARDING FRAUDULENT AND INACCURATE INFORMATION. 

XXXX XXXX XXXX  XXXX, I WAS NEVER LATE, I AM DEMANDING THAT THIS LATE PAYMENT IS REMOVED IMMEDIATLEY!
Product: Credit card

Received a letter today from Capital One saying they finished the investigation and that they aren't doing anything about the " return '' payment. 
I don't know how they can say that when I literally had one of their supervisors call my bank directly and find out from them that the payment wasn't returned and was in fact sent to Capital One. The money I paid to them on XX/XX/XXXX ( hard posted from my account on XX/XX/XXXX ) has never been returned to my bank account. So now I am just out of my money. 
I have attached my statement to show the payment was processed. I also sent this to Capital One. I would be happy to send more statements if needed. You will see the money go out but not come back in. 
I will let them have full access to my bank account, anything. I made that payment. 
They also are changing the reason they closed my account. They are now saying it's for fraud. 
There is no fraud, there is not a return payment for the {$39.00} They are scamming me and trying to hurt my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because Experian has been reporting XXXX XXXX credit services as verified on my most recent credit report from annual credit report.com I was recently turned down for a car loan. 

XXXX XXXX credit services reports inconsistent information along with multiple inaccurate details. 

No account balance is being reported No last date of activity is being reported No payment history is currently being reported No details on if account was sold or transferred. All violation of FCRA rules section 1681
Product: Money transfer, virtual currency, or money service

Thanks we have an account with capital one bank credit card number XXXX and we sent an total of {$950.00} XXXX XXXX and XXXX XXXX dollars for the account, but instead we never used any of the funds and in fact we was locked out of the account for 4 months now and the crooks are still not giving us our money. I think they misplaced the funds and one of the supervisors told me to sue.
Product: Credit reporting or other personal consumer reports

I have disputed the following accounts 3 times with not response from the bureaus. Please assist in the investigation. 

XXXX XXXX XXXXXXXX : Validation has not been provided for this collection. XXXX reports it as 120 days late with 4 late payments. XXXX reports the collection as open. Please delete immediately. 

XXXX XXXX XXXX  XXXX : No validation has been provided for thhis account. Please delete immediately. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX : I have not recieved a dunning letter from this company. I have not been provided validation when requested. Validate this account or delete immediately. 

XXXX - XXXX : No late payments are reported for XXXX and XXXX. Experian reports undocumented late payments. Experian ha a XXXX high balance. XXXX has a XXXX limit. There are different dates of last activity and last payment. Please delete immediately.
Product: Credit card or prepaid card

I noticed 2 payments out of my bank account in large amounts after I made a payment to Discover. After examining my bank account, I did not authorize these payments. I contacted Discover, spoke with 6 people- one supervisor listened to calls and found it was fraud. A man called to make payments and the agent did not fully verify my account. She said the agent said well do you want to pay with account used last month. This is a no no - Agents need to follow protocol. The only person that attempted to help was XXXX in the Fraud Dept but said he would escalate the issue to Executive Complaints. He said it would take 2 to 3 days to receive my refund. Well it has been 6 days. People have rent/car payments and other things to pay and a Landlord will not wait. I contacted Executive Department and spoke with XXXX who suppose to be handling my complaint, all she did was repeat herself, no remorse, no apology for their negligence. This company has put me in a bad place with paying rent and maybe on the street. They don't show empathy - claims this is as far as you can go, well bull. I worked complaints for a huge corp and you have a 24 to 48 turnaround. Now if they know it was not me and it was fraud- continue investigating but put the persons money back in their bank account. I don't understand this. It seems like Discover is covering something up. Agents rude, supervisors transfer you all over. I was on the phone from XXXX to XXXX. This is just not right - we live in the XXXX and should treat people better and have a better method. I blame them for their incompetent 's employees who don't follow their training properly. I want compensated. I want a letter from them explaining all of this. My next step is to go to the Governor and then News channel if you guys can't get this resolved ASAP. They want their payments then I want my money back in my account so i can pay my bills. I have been a loyal customer to them and a good paying customer. So if they don't give a dog___how they treat their customers then i don't care going forward if they get paid. No wonder this country is in a mess, greed. Please help get this resolved. XXXX XXXX is the CEO of the company. Their phone number is XXXX. XXXX was no help at all. The guy I spoke with while she was at lunch at noon said to call her back at 3, well that is a long lunch break. He also told me what he can see no one has done anything with my complaint but she said she had it right there working on it. It is not her money or her company- she acts like she don't care. wonder if it was her. she needs to work and stop sitting around talking and snaking. I want the CEO to contact me.
Product: Student loan

Mohela is skewing my PSLF payment counts unfairly. They told me payments were due in XXXX and XXXX, I MADE those payments ( XXXX was made on XX/XX/23 for {$550.00} due on like XX/XX/XXXX or XXXX and XXXX was made in the amount of {$480.00} ) and despite Mohela 's website saying these payments were due, they are not counting them towards my PSLF count and saying both payments were ineligible for PSLF due to " being in deferment or forbearance '' -- -my account was NOT in deferment or forbearance as the website showed the payments were due! No payments would have been due if I had actually be in deferment or forbearance... but the website showed the payments were due and what amounts were due and I made both payments by the due dates that the website initiated. They are lying about my account being in forbearance or deferment because if I had been, no payments would have been due but they WERE due and I paid them and I want the payments to be counted towards my PSLF count. They are trying to scam me out of eventual PSLF by not counting payments they said were due and lying about my account being in a deferment when it wasn't! Every single payment I make should count towards PSLF!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts : XXXX  XXXX - XXXX XXXX XXXX XXXX- XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Vehicle loan or lease

We purchased a vehicle from AutoNation in XX/XX/year>. During the finance portion we were assured they submit loan applications to multiple lenders to get us the best rate as the rate he mentioned for Auto nation was too high in our opinion. Yesterday XXXX when I checked my mail, I received notice the truck had been financed through AutoNation Finance. I realized I hadn't received any adverse action letters telling us our loan application had been denied anywhere else, so I became concerned that AutoNation made no attempt to find me a better rate and forced my loan into a company that they can profit from the higher interest rate on. I called AutoNation and spoke to the finance manager of the store today and he confirmed they only submitted the one application to AutoNation Finance for the XXXX XXXX we purchase. My partner purchased a car at this same dealership the day before which was significantly lower in cost and the finance manager confirmed they sent our 3 applications on that car but only one on our expending fullsize truck. I'm concerned the dealership is doing this intentionally to profit from the higher rate and is not advocating for their customers or see if there are better rates available to them.
Product: Credit card

Paypal has reported me late and I have made payments. They also call all the time. They bother me by calling over and over again. I have been a victim of ID theft and house fire and I need time to get back on my feet.
Product: Credit reporting or other personal consumer reports

FCRA 605B seems to require the deletion of incorrect accounts from my credit report. Can you check the documents? There are accounts listed with inaccurate reporting, amounts, and dates.
Product: Debt collection

Received mutiple from company stating the debt was removed or deleted XXXX and XXXX. Every few months they post the inaccurate debt back on my credit report or report it back to the credit bureaus. 

It's continuously reporting negative and inaccurate data which prevents me from attaining approvals and new credits
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I had no interest accruing while on the SAVE plan. I was placed in forbearance in XXXX, and the letter says exactly " no interest will accrue while you are in the forbearance. '' I checked my account after XX/XX/XXXX, when the letter was sent. On my account I had no interest amount at all, which is correct. I also confirmed no interest would accrue during forbearance on a call with nelnet on XX/XX/2024 @ XXXX XXXX. I check recently, in XX/XX/XXXX, my interest on my account is {$230.00}. I call them, they barely listen to what I am saying and talk in circles for about an hour. I asked when these charges were added to my account and why because it should not be there. They failed to answer, they just made many different assumptions about what happened but clearly did not know what they were talking about. She said it is " CAPPED '' at {$230.00} because my interest is 0 % now, but i check the following day and it has already increased to {$230.00}. I have a recording of the call if needed but is failing to import. Please contact me if it's needed, I will send it somehow.
Product: Vehicle loan or lease

I financed a vehicle through Credit Acceptance Corporation for {$7800.00} on XX/XX/year>. The interest rate is 16.99 %. I have made every payment, monthly, for {$200.00}, totaling {$4700.00} to date. The cars engine died after merely 3 months and needed an engine replacement. 
The car has had too many additional bad issues & is essentially a lemon. For this reason I asked XXXX XXXX for a payoff quote. 
The amount theyre asking for now is an outrageous {$8200.00}. The actual amount owed is {$3100.00} plus interest of {$520.00}, totaling {$3600.00}. 
The company is unscrupulous, kindly assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT OUT DISPUTE LETTER TO ALL 3 CREDIT BUREAUS ( TRANSUNION, XXXX, AND XXXX  ) MORE THEN 60 DAYS AGO AND STILL NOT A WORD. 
THEY ARE DISREGARDING THE LAW BY NOT RESPONDING TO CONSUMERS DISPUTES AND HOPEFULLY THIS WILL BE THE LAST TIME THIS HAPPENS.