23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to address the recent communication regarding the collection of a debt that has previously been reported as identity theft and subsequently deleted. It has come to my attention that you have sent a letter threatening to garnish my payments. 

I must assert that this debt is not valid, as it was determined to be a result of identity theft and has been deleted from my records accordingly on XX/XX/2022. Any attempt to collect on this debt is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and my rights as a consumer under the law. 

Furthermore, under 2C:21-17a of New Jersey state law , it is illegal to knowingly attempt to collect a debt that was incurred as a result of identity theft. This statute provides clear legal protection for consumers in situations such as mine.

I demand that you comply with the FDCPA, the Fair Credit Reporting Act ( FCRA ), and New Jersey state law by ceasing all collection activities related to this debt and confirming its deletion from your records within [ specify a reasonable timeframe, e.g., 10 business days ] of receipt of this email.

Failure to comply with these laws, including 2C:21-17a, will result in legal action being taken against your agency. Any further communication or action from your agency regarding this debt will be scrutinized for compliance with these laws.

Please acknowledge receipt of this email and confirm your compliance with my demands within the specified timeframe.
Product: Mortgage

I spoke with XXXX and she was very helpful so I am just trying to open a portal to up load my info and evidence. What is happening is my mortgage co. is raising my house payment saying there is a shortage in escrow for insurance and tax impounds so I sent them the {$900.00} they said I was short even though when I contacted my insurance they said it was fine they even sent me a {$210.00} refund for over payments so they are still raising my payments and threatening me saying they will not except short payments. I have called several times to no avail
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened my Kohls credit card about 3 years. Since then I never used the card. The card has been sitting inactivated for years with a XXXX balance. On XX/XX/2018 I received a call from Kohls saying that my payment was past due. They stated that someone made a purchase at a store in XXXX in XX/XX/2018 for the amount of XXXX dollars. After late fees the balance added up to XXXX dollars. Immediately, I filed a fraud claim because that transaction was not made by me. Kohls confirmed it as fraudulent and removed the balance along with late payment fees. They explained to me that they would file a report with the bureaus and I also filed a dispute with XXXX. The case on both ends closed XX/XX/2018 and I was told that Kohls failed to remove the late payment from my credit report because they deemed it my responsibility. I then contacted Kohls but no one could explain the reason for this. I am now filing this complaint because I don't believe I should be responsible for a payment I had no idea was due. I also did not receive any statement or alert until XXXX. I am in the middle of trying to purchase my first home and this fraudulent incident really hurt my credit score which is going to cost me a lot of time and money for something I had no control over. The longer it takes the more my credit situation suffers and I subsequently pay more for interest and mortgage insurance.
Product: Consumer Loan

I received a call on XXXX from an unknown number. XXXX XXXX from Nationwide Intermediaries representing XXXX XXXX XXXX called me regarding a debt. They indicated that I needed to pay XXXX from an installment loan. However the original loan was no where near this amount. They indicated that they would be filing a criminal case with XXXX XXXX hot check division for XXXX counts of check fraud which is a misdermeanor. XXXX did indicate that they could not garnish my wages in the state of texas. He said he wanted to put me in touch with XXXX XXXX who was a mitigator with the lawfirm and she could arrange a payment plan. When transferred, she advised me that I needed to make arrangements with my family members and request a loan from them to pay off the debt. If it was n't paid today, they would turn me over to XXXX XXXX hot check division, this would also appear on my credit report and I would end up having to pay the XXXX anyway. She also indicated that she would also file a judgement to garnish my wages. I indicated the previous person told me that they could n't and she said he was incorrect. 

I told them I wanted to make arrangements to pay off the debt, but that I needed to call them back. She gave me her number of XXXX. I went back to work as I was on a conference call. 

not even an hour later, XXXX XXXX called me back indicating that XXXX XXXX wanted him to check on my status. I advised I was still on a conference call and he indicated that he needed to hear from me by XXXX otherwise they would send the criminal charges. I was so scared and crying at my desk. I ca n't afford to have criminal charges filed against me. So I researched if this was legal and found the following article on your website. XXXXBasically this outlined by whole situation. BUt I 'm still concerned as I do n't want criminal charges..\I have since received XXXX calls from this
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


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

Greetings, In accordance with Fair Credit Reporting Act my rights has been violated. 

Notice, XXXX, Equifax, XXXX, XXXX XXXX, XXXX or any other XXXX XXXX XXXX XXXX have not received any written instructions as set forth in the Fair Credit Reporting Act and is in violation of Pub. L. 90-321 [ 15 USC 1681B subsection 2 ], Pub. L. 90-321 [ 15 USC 1681A subsection 4 ] and Pub. L. 90-321 [ 1681e ( a ) ( b ) ], Per the IRS Publication charge offs are considered DEBT and should not be reported on credit reports. 


EQUIFAX is Reporting fraud with inaccurate Personal Information. The only accurate mailing location is : XXXX XXXX XXXX XXXX, XXXX XXXX. REMOVE anything else. 

Remove all hard inquires : XXXX, XXXX XX/XX/XXXX ; XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX. 

I declare under penalty and perjury under the laws of the United States of America that the foregoing is true and correct. Pub L. 94-550, 1 ( a ) By : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 Section 602 A states the right to privacy.

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. 



Account # XXXX Account # XXXX Account # XXXX Account # XXXX
Product: Checking or savings account

I attempted to cash a check from the Colorado Department of Revenue on XX/XX/2025. It was rejected and no reason was provided. I reached out to Albert XXXX XXXX XXXX to see the issue. They stated that they could not provide a reason for rejection for security purposes. I attempted to get this information but still have no been able to get it. 

I contacted the Colorado Department of Revenue and they said there is no reason the check should be rejected. I again reach out to Albert XXXX XXXX XXXX to see the issue. They said they will not be accepting checks from Colorado Department of Revenue for me specifically. I asked them to clarify that they do accept checks from Colorado Department of Revenue but they just will not accept my checks. I raised concerns about another check very close to this so I feel this is retaliation. I want to know the reason the check was rejected because I will just receive the same check from the Colorado Department of Revenue. If something is incorrect I have to let them know when they issue a new check.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate and fraudulent information on my credit report. I believe Equifax has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically with regard to maintaining accurate information and conducting proper investigations into disputed information. Despite my good-faith efforts to resolve this matter, the continued reporting of this fraudulent account demonstrates negligence in maintaining accurate consumer information. Under 15 U.S.C. 1681 ( o ), Equifax may be held civilly liable for failing to meet its FCRA obligations. As a result of this negligence, I have suffered denial of credit, harm to my credit score, emotional distress, and financial loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # 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.
Product: Payday loan, title loan, or personal loan

I had used their lending service paid off my loan. There is a {$9.00} subscription fee for using the service. When I went to stop the subscription, I tried to log into the app but it kept getting stuck at " reviewing bank information '' as it was loading. I tried to login on the website and got the same message. I reached out to their customer service who said it may be an issue with their connection provider, XXXX. Now I have connected my bank many times with XXXX  to no issue, before and after this incident. I told them I was still being charged and wanted to make sure my account was in order so I could close it. They said to try again later. I tried a few days later but it was still happening. Another customer service agent removed my bank info and had me try again. The same issue occured. I asked for help and they kept blaming it on XXXX and said try again later. I tried again a few weeks later after not only trying to ask them for help but also after seeing I was still being charged the subscription fee. This was probably the XXXX  month in a row. I asked them for help and they finally just canceled my subscription. No offer to refund me or care. I asked why I should accept this and not report it. They just replied that my account was closed and good luck!
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 ( 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 reseller. 

Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXX Account Nuimber : XXXX Account Name : XXXX XXXX XXXX  Account Nuimber : XXXX Account Name : XXXXXXXX XXXX Account Nuimber : XXXX Account Name : XXXX Account Nuimber : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

Purchased pre-paid American Express gift card on XXXX at XXXX. Went to website and the card says is not activated, went to XXXX and was told that there is nothing they can do once the card is activated by them, contacted card company on XXXX to resolve the issue. Was told that it will be resolved in 3 business days, after the full 3 business days, I received no communications. I contacted the company again and was to told to wait another 2 business days. 
As of today, XXXX, I have not received any communication as to the status of the card. 
Both XXXX and the card company refuses to provide any resolution.
Product: Student loan

I have been working with XXXX XXXX  for over one ( 1 ) year to have them correctly calculate my number of qualifying payments I have made under my Public Service Loan Forgiveness. I keep being told that my account is under review and this has been repeated for over one ( 1 ) year now. I have two loans that are in consolidation under PSLF. On my online account of XXXX XXXX, it states that on the 1st Loan I have made 59 out of 61 qualifying payments and on the 2nd Loan I have made 44 out of 76 qualifying payments. These numbers are inaccurate. First, the qualifying payments are different on each loan. Second, I have documentation from XXXX XXXX  confirming my Employment Certification that I have provided to XXXX XXXX  over the years, and these numbers are different. Please see below : XX/XX/XXXX = 26 qualifying payments XXXX = 8 qualifying payments XXXX = 15 qualifying payments XXXX = 8 qualifying payments XXXX = 17 qualifying payments In total, this is 74 qualifying payments I have made under my PSLF plan. XXXX XXXX  has this documentation, so I am confused as to why it is taking them over one ( 1 ) year to calculate the correct payments. In XXXX of this year ( XXXX ), I will be providing my annual employment verification which will show another 12 months of qualifying payments under PSLF. 

My calculations show that as of XX/XX/XXXX, I should have 74 qualifying payments, which leaves a remainder of 46 qualifying payments. Again, XXXX XXXX has all of this documentation. I need my online account to accurately reflect the amount of qualifying payments I have made, because I am more than half way completed with the 120 qualifying payments required ; however, my account does not reflect this. 

I have tirelessly attempted to have XXXX XXXX update my account to no avail.
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 an 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: Debt collection

I am an XXXX XXXX XXXX member. I left the state of New Mexico in XXXX of XXXX. Prior to leaving I went to XXXX XXXX with a copy of my orders to an XXXX XXXX XXXX in order to cancel my plan. I was informed that due to being on orders that I would not be responsible for paying the early termination fee on the account. A couple months in to my XXXX XXXX, I noticed that I was still being charged monthly for service. I called XXXX, they zeroed the account so that I did not owe them and told me they were closing the account. From XXXX I XXXX in XXXX of XXXX and began receiving collections notices. I tried contacting the initial collection agency with no luck, since then it has changed to several different agencies, one seeking more saying it was interest, the most recent saying I owed I believe {$340.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX XXXX XXXX and XXXX, XXXX and Equifax for their failure to remove an inaccurate collection account from my credit report, despite multiple attempts on my part to resolve the issue. 

The account in question is held by XXXX XXXX XXXX, This account, was inaccurately reported on my credit report dates XX/XX/XXXX. I have never had any dealings with XXXX XXXX XXXX or XXXXXXXX XXXX, and this account does not belong to me. 

On XX/XX/XXXX, I sent a dispute letter to a ; ; aforementioned credit agencies requesting the removal of this erroneous account. In compliance with the Fair Credit Reporting Act ( FCRA ), I provided documentation proving that this account was incorrect. Despite this, they failed to remove the account, instead choosing to maintain this inaccurate information on my credit report. 

On XX/XX/XXXX, after the CRAs initial refusal to delete the account, I sent a second, more urgent dispute letter. In this letter, I reiterated my demand for removal and referenced the specific section of the FCRA15 U.S.C. 1681i ( a ) which mandates a reinvestigation of disputed information within 30 days. I clearly outlined that if the account was not deleted within 15 days, I would escalate the matter by filing formal complaints with your agency and the Federal Trade Commission ( FTC ). 

Unfortunately, as of XX/XX/XXXX, the CRAs have failed to comply with its obligations under the FCRA. Given the continued presence of this inaccurate information on my credit report, I believe that both XXXX XXXX XXXX and the CRAs are in violation of federal law, specifically the provisions designed to protect consumers from the damage caused by incorrect credit reporting. 

This inaccurate information has adversely affected my credit score and could potentially cause further financial harm. The negligence displayed by both XXXX XXXX XXXX and the CRAs is unacceptable and has forced me to take this matter to your agency. 

I respectfully request that the CFPB take immediate action to address this issue. I seek the removal of the erroneous account from my credit report and a full investigation into the practices of both XXXX XXXX XXXX and the CRAs concerning this matter. Additionally, I request that any negative impact on my credit score resulting from this error be rectified. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On my XXXX statement the balance subject to interest was {$1600.00} with accrued interest of that period of {$36.00} & a payment of {$130.00}. On my XXXX statement the balance subject to interest was {$1500.00}, accrued interest of {$35.00} with a payment of {$130.00}. My XXXX statement shows a balance subject to interest of {$1400.00}, accrued interest for the period of {$30.00} with a payment of {$150.00}. My XXXX statement shows a balance subject to interest of {$1300.00}, accrued interest of {$30.00} and a XXXX payment of {$150.00}. I call to inquire how the interest that accrued on my XXXX statement in the amount of {$30.00} was just {$.00} less the amount on my XXXX statement of {$30.00} despite the balance subject to interest dropping from {$1400.00} to {$1300.00} a difference of {$140.00}. After speaking to three representatives, on of which was an " account specialist, '' no one could provide a plausible explanation. The last individual said that they would have someone internally look into the matter but no one was going to contact me with an explanation, which is nothing more than an exercise in futility. 

My second concerned that raised is that in XXXX of 2019 my interest rate was raised from 26.99 % to 27.15 %. In the past the expatiation I was given was the interest hikes was base on the federal reserve raising interest rates. However, the federal reserve hasn't raised interest rates and based on information for the fed chair there are no plans to do so this year. I was told today that this interest rate was based on the Pericardial Index listed in the XXXX XXXX XXXX which variable. When I inquired as to why they chose to raise my interest rate the the Index rises but have never lowered my interest rate when the same Index falls, I was not given an answer but told it would be looked into but again no one would respond to my inquiry.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXXXXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.