23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by Credit Collections Services on XX/XX/19 in reference to an attempt to collect a debt owed to XXXX XXXX in the amount of XXXX. In response to this letter I set up a payment plan breaking the above amount in to three payments to be paid via check with the first payment to received by XX/XX/19. I received an official letter from this company confirming the agreed payment plan in the mail dated for XX/XX/19. I mailed a check to credit collections solutions via priority mail on XX/XX/19 made out to XXXX XXXX, which is 9 days prior to the due date. I received a letter from credit collections services on XX/XX/19 stating that they have not received a payment as of XX/XX/19, and that they are canceling my payment plan. However in the same letter received on XX/XX/19 it clearly shows that the debt owed has reduced from XXXX to XXXX, which clearly proves that they did receive a payment. There would be no reason for me to make another payment until XX/XX/19 based on the payment agreement made with Credit Collection Services. Upon talking to one of their representatives on XX/XX/19, she insinuated that this is the companies standard practice, to send letters out to people stating that payment arrangements are being canceled even though they are actually adhering to the agreed payment plan. This person I spoke to on the phone was able to verify that they received a payment so there was no reason for this letter. Last but definitely not least, this company reported this false information on my credit report stating that they have not received a payment for XXXX when in fact per our payment agreement a payment would not be due until XX/XX/19. I find this very unprofessional and a form of retaliation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion several times to inform them that there is information from a company called XXXX XXXX on my consumer report that should NOT be visible on my report. I have NOT given them written consent to report them and Transunion is aware of this. This is aggravated identity theft.
Product: Credit reporting or other personal consumer reports

Experian has failed to remove a disputed collection account from XXXX XXXX XXXX XXXX despite exceeding the investigation period required under FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). The collection, for {$9500.00}, was previously disputed, and both XXXX and XXXX removed it within 30 days after determining it was unverifiable. 

Despite submitting a formal dispute, supporting documentation, and a prior CFPB complaint ( XXXX ), Experian continues to report the collection without proper verification, violating 15 U.S.C. 1681i ( a ) ( 5 ), which mandates deletion of unverifiable information. 

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian continues to report this account 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, Experians failure to properly investigate may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against XXXX for similar violations XXXX I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with proper proof of investigation. 

Disputed Account : XXXXXXXX XXXX XXXX XXXX Account : XXXX Experians failure to correct or remove inaccurate data has harmed my credit report and had real, tangible consequences on my life. I request IMMEDIATE suppression and deletion of this account and written confirmation of its removal as Im entitled to under FCRA 15 U.S.C. 1681i ( a ) ( 5 ), which mandates the deletion of unverifiable, inaccurate, or incomplete information from my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Notice for Proof of Claim Account : SHERLOQ FINANCIAL # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. 
If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days.I also request to see a certified copy of any contract or agreement between you and XXXX that gave you the right to collect this debt.
Product: Checking or savings account

On XX/XX/2022, I called US Bank when someone attempted to log in to my online checking account using my email address. The customer service agent instructed me to change my username and password. I did so. 

On XX/XX/2022, I tried to use my debit card connected to the checking account and it was declined. I tried to log on to my online account, using the new username and password, and was locked out of the account and could not log in. 
I called US Bank and they informed me that my account would be closed, and that I would be able to receive the remainder of my funds by visiting the local bank branch. They did not give me a reason for closing the account. They told me it was being handled by the XXXX Department. 

On XX/XX/2022, I received XXXX notices in the mail from US Bank that they had reversed transactions to my account that were reported to them as unauthorized. 
The total amount from the reversed transactions is {$2200.00}. 
I did not report any transactions as unauthorized, and I do not know who reported them as unauthorized. 
The reversed transactions to my account were dated XX/XX/XXXX thru XX/XX/2022. US Bank was not authorized to reverse these transactions and was not authorized to remove any funds from my account. 

My account with US Bank is still closed, and I have not been able to receive any of the remaining funds in my account. I have also not been able to log on to my online account to check the balance or status of the account. I have called the local bank branch twice, and they were unable to help me. All they could tell me was that the account closure process was not complete, but could not provide a date when it would conclude. 

I applied to open another checking account with a different bank and my application was declined by XXXX XXXX XXXX. I've requested a copy of my Consumer Report from XXXX XXXX XXXX at XXXX.
Product: Credit card

On XX/XX/2023, my bill was due for {$170.00}. I made a payment in the amount of {$200.00}. Capital One applied the Interest to my account on XX/XX/2023 in the amount of {$120.00}. The interest in this Credit card has about a {$1.00} increase every month. The interest had also increased about {$20.00} every month since the start of the year. Ive never missed a payment to my account. And there is always an over draft when I only had XXXX auto drafted payments made on my card monthly. I have discontinued the auto draft payment. Now there is only a {$40.00} payment that will get placed on this card monthly. XXXX month they are charging me {$90.00} over payment. I have called and have not really got the right answer.
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX, the following companies were provided w/a " Manual Remittance Payment '', from the IRS, on behalf of the Affiant, XXXX XXXX XXXX XXXX to pay in full, the credit card account ( XXXX ) with said company ( ies ). These companies are : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX payments were either : A. Received, but not credited to the account, or B. Received, not documented, and not credited to the account, or C. Received, not documented, not disclosed as received, and not credited to the account, etc., etc.

Since having received whatever documentation and payment from the IRS that was authorized and requested by me, the companies involved proceeded to pursue collection action ( s ) against me, and have fraudulently and falsely reported the so-called " unpaid '' balance ( s ), as " debt '' that I still owe.

These companies have failed to properly " discharge '' the alleged " debt '' due to their refusal, and/or inexperience or education " accepting '' a properly tendered payment, and have continued to be in dishonor. 

These companies refuse to provide proper documentation based upon GAAP, and simply provide copies of statements ( not bills ) as " proof '' of an alleged " debt ''. They have falsely reported the said accounts as " unpaid ''. 

Finally, these said companies, by providing false and misleading information to the CRA 's, have severely damaged my credit, which prior to XX/XX/year>, was in the XXXX range, and, have not properly disclosed, as per agreement, whether ALL payments and/or credits to the accounts in question, were either credited, or returned as " undocumented '', " un-accounted for '', or simply " lost ''. 

I am therefore, requesting a re-investigation of this matter in its entirety, so that Justice may prevail. For the record, I have all documentation related to the requesting of, and mailling to the relevant IRS offices, of said " Manual Remittance Payment '' requests to support the foregoing information.
Product: Debt collection

XXXX XXXX had my account from XXXX XXXX. I received a email and called the number and it was about shopping and I could not get the representative to answer any question about the debt. Now Halsted Financial Service has the account and sends me emails almost everyday to try and collect, no written communication or phone call. It is bad business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. 

I will also file with the CFPB and FTC! This is unacceptable! I will file a lawsuit if this is not removed within 7 days
Product: Student loan

I submitted an application to switch from XXXX to XXXX. Per StudentAid.govXXXX  if Mohela can not ( or will not ) process my application to switch repayment plans, they must remove me from the XXXX forbearance and place me into a 60-day processing forbearance : " If servicers need time to process a borrowers XXXX application, servicers will move the borrower into a processing forbearance for up to 60 days. Interest accrues during this short-term processing forbearance, and time in the processing forbearance is eligible for PSLF and IDR forgiveness. If the borrowers application is not processed by their servicer within 60 days, the borrower will be moved into a general forbearance that does not count toward PSLF or IDR until their application is processed. Interest will not accrue in this general forbearance. '' I sent this same message to Mohela. Today, Mohela responded : " Per FSA, MOHELA has resumed processing applications for XXXX, XXXX, and XXXX unless the borrower has any loans on the XXXX plan. Accounts with IDR applications that are placed on hold per XXXX IDR processing guidelines will remain on the appropriate forbearance until the application can be processed ... .Upon receipt of an IDR Application, your account will be placed in a Processing Forbearance for 60-days. During this forbearance interest will accrue and the periods spent in this forbearance will be eligible for PSLF and IDR forgiveness credit. '' Mohela 's response completely misrepresents the updated guidance. NOWHERE does the US Dept of Education or FSA guidance state that Mohela CAN NOT process applications for borrowers on XXXX who are seeking to switch to XXXX In fact, the updates issued on XX/XX/year> by the XXXX XXXX XXXX XXXX, explicitly state that borrowers on the XXXX plan who want to earn credit towards PSLF SHOULD switch to a PSLF-eligible plan ; XXXX is a PSLF-eligible plan XXXX Further, the guidance notes that processing is still paused for CERTAIN IDR plans, but IDR is NOT one of those plans. 
" In the coming weeks, the Department expects servicers to begin processing certain IDR applications that were paused following court orders affecting the terms and availability of IDR plans. Specifically, the Department will begin processing borrowers applications to enroll in : XXXX, XXXX, XXXX. '' XXXX - XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly
Product: Checking or savings account

My younger sons email account was hacked by a person who has stalked and harassed me and my sons for the last three years. My sons email has been banned and he isn't able to use his account. Her name is XXXX XXXX XXXX and has hacked into all if our XXXX accounts using my direct express debit card. All of our passwords and debit card info is in my XXXX account. These unauthorized purchases have been made in the last 4 months. They were to XXXX XXXX, XXXX XXXX, and XXXX XXXX,.
Product: Credit reporting or other personal consumer reports

I received an invoice in the mail dated XX/XX/year> from I C Systems Inc stating that I have an outstanding cell phone account with XXXX XXXX  in the amount of {$1200.00}. The invoice stated that " Call or write to us by XX/XX/year>, to dispute all or part of the debt. If you do not, we will assume that the information is correct. '' I placed a telephone call to I C Systems Inc on XX/XX/year> to dispute all of the debt and to stop the collection of the debt, as I did not ever open a cell phone account with XXXX XXXX  as I do not own a cell phone. I use my landline only. I C Systems Inc did not provide me with any documentation verifying the outstanding debt. And, instead placed a derogatory entry on my credit report with XXXX and XXXX. 

On XX/XX/year>, I filed a dispute of the account with XXXX and XXXX. I received the results of the investigation from XXXX on XX/XX/year>, in which they decided that the account was verified. On XX/XX/year>, I made a statement on my credit report with XXXX stating that the account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my report I noticed that a collection agency XXXX XXXX XXXX was reporting unpaid debt to 3 credit bureaus and I had never received any type of notice from them. On XX/XX/XXXX I sent a debt validation request to XXXX XXXX XXXX for these accounts they reported to the credit bureaur Equifax The amounts for these accounts are {$100.00}, {$65.00}, {$30.00}. The collection agency never responded and failed to provide proof of this debt. On XX/XX/XXXX I sent a SECOND letter to the collection agency and all three credit bureaus that the collection agency failed to provide proof of debt and under the Fair Debt Collections Practice Act they are required by law to stop reporting this debt. On XX/XX/XXXX I received notice from Equifax stating that this debt has been VERIFIED to them and they have updated my report as this debt being correct. I never recieved notice of this debt by the collection agency XXXX XXXX XXXX, I was made aware only after pulling my credit report. Equifax is violating the FDCPA by reporting debt that has not been proven to belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently gone through my Consumer Reports and discovered that there is an instances of late payments recorded on an account where I have never been late before. It is crucial for Consumer Reporting Agencies to fulfill their duty of accurately reporting consumer information to the best of their capabilities. I would like to bring your attention to the account in question : XXXX with the account number XXXX I kindly request a thorough investigation into this matter and ask for evidence in the form of statements that demonstrate the lateness of these payments. If it is not possible to provide such proof, I insist that these payments be rectified and updated to reflect their true status as on-time payments. I have never been late, and it is essential that this information be accurately represented. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name LOAN BY PHONE DBA 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 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 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 an 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 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 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 THE ACCOUNT I HAVE LISETD ABOVE 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 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

Equifax is refusing to delete entries from XXXX XXXX after XXXX XXXX failed to provide a promissory note between them and myself for the dates they have listed on my credit report. I never signed a promissory note with XXXX XXXX bank in XXXX or any other time they claimed that I took a loan out with them.