23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX between XXXX XXXX and XXXX XXXX I closed, cancelled, paid in full my XXXX XXXX plan. My wife and I got married in XX/XX/XXXX and instead of having XXXX separate cell phone carriers I decided to close and cancel my service with XXXX XXXX that I had been with for over 15 years. Before I could transfer my phone and phone number to XXXX I had to cancel and close my XXXX XXXX. I called XXXX XXXX customer support while standing in the XXXX wireless store. While on the phone with the customer service associate I explained the situation and what I was going to do. The customer service associate stated we are sorry to see a loyal customer go but we understand your situation. I kindly described to the associate that I was ready and willing to pay any and all debts on my account that evening prior to cancelling my XXXX XXXX service. On a recorded line I was reassured my account was in good standing and was financial current. I expressed my concern that I did not want any surprises in the future and to please carefully review my account once more to make sure I did not owe any money on installment plans or devices. Once again on a recorded line I was assured my account was paid in full and that I owed XXXX money. I stated again on the recorded line Are you sure and yet again I was reassured about my account. I proceeded to close my account while at the XXXX wireless store. From that point I transferred all my contacts and info to XXXX. A few months later I received contact from collection agencies stating I owed {$650.00} to XXXX XXXX. XXXX XXXX had not tried to contact me or reach me at all to discuss this matter. Since then I have been in collections and it is extremely disrespectful to me as the consumer to be dealing with this issue. I have been wrongfully charged for XXXX XXXX problems and It is impacting me negatively on my credit score. Southwest Credit collection is the current collection company that has the bogus contract. 
Furthermore, I have a previous complaint on file that was submitted to CFPB on XX/XX/XXXX # XXXX to reference the previous debt collectors responses to this bogus charge which was dropped. 
XXXX XXXX needs to be held accountable for their horrible customers service and get off my back for a debt I settled with them when I closed my account
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2012 AND XX/XX/2012 WE APPLIED FOR A MORTGAGE WITH XXXX XXXX-XXXX  VIA CREDCO. SEE ATTACHED. WE WERE DENIED BECAUSE OF XXXX/CREDCO SUPRESSING OUR CREDIT FILES..AND NEVER GOT LETTERS OF ADVERSE ACTIONS FROM ANYONE.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to REMOVE these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Affirm Inc receiving emails everyday about {$890.00} and {$290.00} after i have notified each credit bureau they have been open fraudently. I've XXXX affirm accounts on my experian need to be disputed. 

15 USC 1692 ( c ) if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.
Product: Debt collection

I am writing this complaint in response to Target letter dated XX/XX/2023. Which Ive included a copy of the letter, Consumer Financial Protection Bureau, case number XXXX. 

I find it perplexing that Target would even consider honoring a refund request for a debt agreement that has already been executed. It is evident that the debt was paid in full according to the terms of the agreement. Therefore, it raises serious concerns as to why Target would allege to have entertained such a request without proper justification. 

As a responsible consumer, I understand that the concept of a refund is typically associated with situations where a payment has been made in error or for goods and services that have not been provided. 

However, in the case of a collections debt agreement, where the payment has been fulfilled and executed according to the agreed terms, it is unreasonable to expect a refund. 

Moreover, the refund check remains uncashed. This is because Target already possesses the full amount of {$520.00}, as per the executed collections debt agreement. 

I kindly request that your office conduct a thorough investigation into this matter and ensure that Target XXXX provides a detailed explanation for their decision to entertain a refund request on an executed debt agreement. 

It is crucial for businesses like Target to maintain transparency, uphold the integrity of their operations, and provide satisfactory resolutions to their customers. 

I appreciate your attention to this matter and request that you take appropriate action to address this complaint against Target XXXX. I have enclosed copies of relevant documentation. 

Please feel free to contact me if you require any further information or clarification. 
Thank you for your time and assistance in resolving this complaint. I look forward to a prompt and favorable resolution to this matter. 

Respectfully submitted, XXXX XXXX
Product: Credit card

In early XXXX the company ( Capital One ) stopped accepting debit card payments. This has negatively affected my credit history and ability to pay because they take 3-5 business days to process a payment. Whereas before one could pay with debit card instantly. This has negatively affects borrowers ability to pay easily and on their schedule. It is predatory to change methods of accepted payment like that without notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX  ACCT # 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: Debt collection

To Whom It May Concern : This letter is a formal dispute regarding the collection accounts reported on my credit file from Absolute Resolutions and XXXX XXXX XXXX. These accounts, as reflected in my credit report, are inaccurate and in violation of federal law. 

I am requesting immediate investigation and verification of these accounts pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically under : 15 U.S.C. 1692c ( c ) This law prohibits debt collectors from continuing to communicate with a consumer after a cease communication request has been made. I have previously notified the debt collectors in writing to cease communication regarding these debts.

15 U.S.C. 1692g Under this section, a debt collector must provide a validation notice within five days of the initial communication, detailing the debt amount, creditor information, and my rights as a consumer. No such validation notice has been provided to me, rendering their reporting invalid and unverifiable.

These debts are not substantiated under the law, and until proven otherwise, these entries should be deemed unverifiable and removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I spoke with a representative from equifax. I informed them 2 account on my credit had already been removed from my XXXX and XXXX report due to identity theft/fraud. I was told to submit another dispute in which I did, the accounts in question were XXXX XXXX XXXX XXXX and XXXX credit card both fraudulent accounts. It took equifax a few days and I was sent a email saying the dispute was done and nothing changed. I contacted equifax again and explained to to them I already spoke with the companies regarding this and the accounts are removed from the other bureaus and I was told to resubmit it, it was not removed because I did not provide the correct account numbers. I have went back and foward with equifax with no solutions in site the company has violated my rights and report inaccurate information to my credit file.
Product: Student loan

Campus Partners handles a loan I made thru XXXX University. I thought the loan was paid in full because I was making payments for several months without any getting any statements. 

Yesterday, XXXX/XXXX/17, I ran a credit report and discovered there is about a {$500.00} balance. I went to the Campus Partners ' website and it showed I have been sent to collections and that my mailing address is invalid. I called Campus Partners today, XXXX/XXXX/17, to try to get this cleared up and resume payments. I spoke with XXXX. Campus Partners refused to give me any information and said I have been sent to collections. They stated my address is invalid. They gave me a phone number to call and would not provide any assistance or any any questions. They also said I need to go to the post office to fix my address issue. 

I have received nothing in writing, no email, no phone call or any information about the status of my loan or the current balance. I have been at my home for over 13 years, no contact information has changed. I have had the same email and phone number and address. I went to Campus Partners website after I called them today to confirm again and the notice of the invalid address is now gone, and I still can not get any information. 

I have had no other difficulty receiving information from other companies and have excellent credit and have never been late on any payments. 

I have not received any notice of a current balance ; No notice that my payments were behind ; No notice that I have been sent to a collections agency, or a validation statement from this collection agency. Campus Partners could not tell me the last time they even sent me a statement. I was told my only recourse was to write a letter to a XXXX and again to go to the post office. I told Campus Partners I was going to report them. 

The actions of campus partners is unlawful under the Fair Debt Collections Act and wrong. I have screen shots of my address showing as invalid yesterday and now today ok after calling ; showing they went and changed my account information. If my address is invalid why are they changing the status on my account after I called. I also have a stack of statements from Campus Partners to my address, showing that I can receive information from them in the mail. I have also included a screen shot on my payment history from XXXX. 

I want to continue to make payments on my student loan. I want my credit cleared and I want to prevent this from happening to other people. I have n't moved, avoided payments or done anything wrong. I should n't have to pay late fees or have my credit rating impacted my their poor practices. They need to be investigated.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Transunion and they received it on XX/XX/year>. Here 's the XXXX tracking number XXXX. I have never received the results from them and its been well over 30 days. Today I called them to find out what was going on and the rep had told me that they opened an investigation in XX/XX/XXXX and " sent '' the results on XX/XX/XXXX. I checked the mail every day and my wife has checked the mail every day and I have not received any results. So then I requested to be sent the results again as I did not receive it and they denied me. They denied me because they claim they can only send it " once '' which I believe is false. From there I asked her if she can give me the shipping number of the investigation results that they claim they had sent and she said she could not as they don't have a shipping number. So let me get this straight, they can't send a my results and they don't have a shipping number. They clearly did not send me the results. If I have to take this matter to court I will.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX ... XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX. XXXX XXXX  XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

Starmark Financial LLC Subject : Dispute and Validation of Debt Pursuant to 15 U.S.C. 1692g and 15 U.S.C. 1692c To Whom It May Concern, This letter is to formally dispute the debt your agency, Starmark Financial LLC, has alleged I owe. I am exercising my rights under 15 U.S.C. 1692g ( Validation of Debts ) to request validation of this debt and 15 U.S.C. 1692c ( Communication with Debt Collectors ) to restrict communications, as outlined under the Fair Debt Collection Practices Act ( FDCPA ).

Dispute and Validation Request I am requesting that you provide the following information to validate the alleged debt : 1. The name and address of the original creditor.

2. A detailed explanation and breakdown of the alleged amount, including all fees, interest, and principal.

3. Copies of any agreements, contracts, or other documentation that substantiate my obligation to pay this debt.

4. Proof that Starmark Financial LLC is authorized to collect debts in my jurisdiction.

Communication Restrictions Additionally, I am invoking my rights under 15 U.S.C. 1692c to limit how your agency communicates with me regarding this matter.

All further communications must be in writing and sent to my mailing address listed above.

Cease all phone, email, or other forms of non-written communication regarding this matter.

Legal Obligations As this is a formal dispute of the debt, I request that all collection activities, including reporting to any credit reporting agencies, be paused until proper validation of the debt has been provided. Any failure to comply with the FDCPA will leave me no choice but to escalate this matter further.

Submission to the CFPB This letter is being included in my formal complaint to the Consumer Financial Protection Bureau ( CFPB ). Failure to properly respond and adhere to FDCPA requirements may result in further action being taken with state and federal agencies.

Please provide the requested documentation and validation within 30 days from the date of this letter. Be advised that I am keeping detailed records of all correspondence for future reference. 

Thank you for your prompt attention to this matter. 

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

I have paid Westlake financial a car loan balance in full but the company reported that the loan was paid by the dealer and it shows as a negative remark on the credit report. I have all proofs to show I personally paid the loan from my bank account and I have a letter from Westlake stating I paid the account in full yet they insist on reporting it to the credit bureau as paid by dealer. I have made several attempts to dispute and provide proof and they refuse to correct what the are reporting
Product: Credit card

On XX/XX/XXXX, I submitted a fraudulent claim for an transaction that happened on XX/XX/XXXX. This transaction was between my Chase Sapphire XXXX  XXXX and a fraudulent XXXX account under the name of " XXXX XXXX XXXX '' with a cost of {$1100.00}. 

For context, I had provided everything possible documentation to Chase to prove that this is indeed fraudulent. I then had to wait almost two months to get a response back from the Chase Fraudulent department which states that they denied my claim because of the following reason " You received benefits from this transaction ''. I had then called and email them to rectify this because I certainly did not benefit from this transaction because I am the one who lost money and still am to this day. 

I find this extremely disappointing and insulting because I have exhausted every possible way to try to get this money back and so far no one has helped me. And to add injury to the wound, a fraud dept team also falsely claimed that I somehow benefited which is absolutely false. Not only did a fraud department falsely accused its own customer, it used it as an excuse to make the customer liable for the very fraudulent charge that it was suppose to protect from. 

I also find it ridiculous that it took two months from them to respond with such ludicrous response when I myself did a quick XXXX search which lead to clear evidence that this is indeed a fraudulent company and many victims as such myself. There are many victims sounding alarm and even a local news that reported them as scams. I then shared this with Chase but their response was " we can not use information off of XXXX for our claim '' .... 

The last conversation I had with XXXX XXXX is a recorded call. XX/XX/XXXX, XXXX for reference. Many emails and letters I receive are also in the record. 

This conversation with XXXX I find is extremely disappointed because she reassured me that the transaction was valid but on what account? Any one can hack your information let alone a XXXX account that I don't even use and just happen to be linked to my Chase card and denied a true fraudulent claim based on a " valid '' transaction? To me, this is a disgrace in consumer protection and the opposite of what fraud department should've done. The supervisor herself even admitted that she looked up the fraudulent " XXXX '' company and agreed that she saw the evidence on XXXX but said she still can't use it. At this point in time, my only last resort is to hope someone from the CFPB to help me and possibly communicate this to a executive in order to rectify this situation. 

Please help.
Product: Student loan

I received a federal loan and Navient is the liaison on XX/XX/XXXX. Last month on XX/XX/XXXX and XX/XX/XXXX for amounts of {$700.00} and {$600.00} respectively. I checked my account today on XX/XX/XXXX to make another payment and was surprised to see my unpaid interest was significantly higher than I expected. My payments were never processed for that loan. I have attempted to contact them and have not received an explanation as of yet. In searching for help with this, it appears I'm not the only one with misallocated payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX XXXX in XX/XX/XXXX for a sale amount of {$13000.00}. As a young purchaser I was stuck with an extremely unfair interest rate when I have now paid a total of {$21000.00} for this car. During the period of XX/XX/XXXX to XX/XX/XXXX I occurred late payments and even a repression of this vehicle. In an exchange of paying {$1500.00} to get the car back. The rep agree to get repossession and late payments deleted, as well as mlve repossession fee to the back of my loan repayment. The rep fee was delayed but late payments and repo still reflect on my credit report. And it is not reporting correctly. During the time I received the late payments, I never received a bill to my address. Please contact XXXX XXXX XXXX XXXX and assist with getting what they have been report unfairly, fair. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have this account under investigation this company is not following the CFPB rule and Guidelines, Truth In Lending Act rules and Guidelines, The U.S.Codes and or XXXX XXXX  under Title 6. They have Committed fraud willingly and knowingly with XXXX XXXX XXXX. Attached are what they have done in depth. As this account is under investigation/ dispute this company is still reporting to the CRA and are still sending me Fraudulent Statements. This company disclosed nothing to me. This company has no License to do business in my state ( DE ). They are not backed by any government agency in the USA.
Product: Student loan

Hello, On XX/XX/XXXX, I received a letter from the California State Controller 's  office that a business had money that was due to me. The business is Navient Corporation ( Unclaimed Property Department - attention XXXX XXXX ) and the money due is from a settlement Navient owed in regards to my student loan repayment. 
I submitted the information that was requested on XX/XX/XXXX. On XX/XX/XXXX I received the following response : 'We apologize for the delayed response. We've experienced a higher than normal response rate. We received your letter and have submitted your claim for processing. You may expect a check in the mail within 8-10 weeks. ' On XX/XX/XXXX I emailed to inquire if I would still be receiving my check within the 8-10 week time frame stated. That same day I received an email from XXXX XXXX stating ; 'Your claim was processed, and a check should be arriving to you within the next 2 weeks. We appreciate your patience. ' After the two weeks passed I emailed again on XX/XX/XXXX to say I hadn't received the check and was inquiring as to when it would arrive. I have not received a response and the number for XXXX XXXX , ( XXXX ) XXXX, listed on the original form sent to me is only a recording and does not allow you to leave a message. 
Thank you.
Product: Credit reporting or other personal consumer reports

I was alarmed to discover unauthorized inquiries on my credit report this morning, and I have no explanation for their presence. As I routinely checked my credit report, I found discrepancies that seemingly appeared out of nowhere. After refreshing my browser to see if it was a technical issue, the unauthorized inquiries persisted. Because of this, Im requesting a thorough review of the documents Ive submitted so I can have peace of mind.