23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

" Portfolio Recovery '' ( XXXX XXXX XXXX ) calls frequently asking for a person who is not here. I have told them that this person is not here, that he is not even in this state anymore and I have demanded that they stop calling. They still call.
Product: Debt collection

I contacted the company in regards to a notice I received pertaining to legal action from a debt. The lawyer that answered was abusive and very rude in speaking with me, so I asked to speak to someone else and he slammed the phone in my face. I now do not feel comfortable contacting this company again due to this experience and the abusive nature they are known for based on XXXX reviews. I tried calling XXXX XXXX XXXX, however, since the debt had been sold they could not assist me. This may result in adverse actions towards me as I do not have anyone else to contact to learn more about the debt notice and options.
Product: Money transfer, virtual currency, or money service

I have been conducting my XXXX XXXX XXXX XXXX with PayPal for TWENTY YEARS. My record is virtually spotless. I process XXXX XXXX XXXX XXXX per month, ALL OF MY INCOME comes through pay pal. This month OUT OF THE BLUE they decided that I would only have access to XXXX XXXX of MY MONEY- this is represents XXXX percent of my earnings. The money is being held for 21 days. I CAN NOT RUN MY BUSINESS. I CAN NOT BUY FOOD. They have repeatedly promised to get back to me BUT THEY HAVE NOT. They do not answer written messages nor do they take any action on the phone. I REPEAT : I HAVE WORKED WITH THESE FRAUDSTERS WITHOUT INCIDENT FOR TWENTY YEARS. THERE IS NO REASON FOR THIS ACTION. They originally told me it was because my sales increased. THAT IS FALSE, I am down 10 % on the year. They also suggested I enter each tracking numbers from orders onto the PayPal site. THIS IS NOT PHOSICALLY NOT POSSIBLE NOR IS IT WARRANTED. Please help
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 practices violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions 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 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.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XX/XX/XXXX Jefferson Capital Systems, Jefferson Capital Systems LLC, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX Dear Jefferson Capital Systems, I am writing in response to your recent communication regarding the alleged debt associated with the above-referenced account. I am requesting validation of this debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
I am aware that the statute of limitations for collecting this debt may have expired, as it pertains to an auto debt from approximately seven years ago. However, I am requesting validation of the debt in accordance with my rights under the FDCPA. 
I am also writing to bring to your attention that, under the Consumer Financial Protection Bureau 's Regulation F, specifically 12 CFR 1006.34 ( B ) ( 5 ), you are required to provide validation information upon request. 
As per the regulation, " Validation information means information that confirms the consumers name, the debt amount, and the name of the creditor to whom the debt is currently owed. '' I am formally requesting that you provide this validation information for the debt referenced in your recent communication. 

Please provide the following information : 1. The original creditor 's name and contact information.

2. The original account number and the date the account was opened.

3. The total amount of the debt, including any interest and fees that have been added since the last payment.

4. Documentation showing that you are authorized to collect this debt.

Please note that any further communication regarding this matter should be in writing. I am exercising my rights under the FDCPA to request that all future correspondence be conducted through written means only.

I expect your compliance with this request within the timeframe specified by law. Failure to provide this validation information may result in a violation of federal regulations.

Additionally, please be aware that I am keeping thorough records of all correspondence regarding this matter, including copies of this letter and any future communications from your office.

Thank you for your prompt attention to this matter. I look forward to receiving the requested validation of the debt within the timeframe specified by law.

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

On XX/XX/year>, I initiated a dispute with Transunion and I received results in XX/XX/year>. Shortly after receiving the results, I sent a request to to know the following in reference to the investigation : - details of original creditor including their name, address, and telephone number - name of the individual with whom the dispute was verified - documents or other forms of proof that were used to validate the dispute This should have been provided within 15 days of receipt and to date ( more than 120 days later ) I have not received any of the request information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. 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. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXXXXXX Balance : {$96.00} XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$96.00} XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$170.00}.
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, has violated my rights. 

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

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: Checking or savings account

XXXX XXXX I had a hard inquiry on my credit report and I never even heard of this place. ( Oportun/XXXX  ) I called the place and they didnt have any of my information in their system. They gave me numbers to call to get a dispute, as I am working on my credit.
Product: Debt collection

The number I listed below call 's the above listed business number XXXX to XXXX times a day and when the phone is answered on my end the line is disconnected. This go 's on 7 days a week. Our answering massage states " Thank You for calling XXXX XXXX ''
Product: Debt collection

Debt collection company claims I have a XXXX XXXX XXXX. I personally have not signed up for such credit card. The Debt collection company is called Spring Oaks Capital , LLC. Sent me a text, wanting me to set up something to pay whatever it is off. I refused.
Product: Debt collection

In XXXX of 2021, I found out that a former tenant had stolen my identity. I discovered this during the eviction process & after reviewing my entire credit report. There was a Discover loan account opened up in my name. I immediately notified Discovers fraud unit and also provided them with my Police report, FTC report, Drivers license, and a utility bill. Ive been in contact with several people at Discover ( XXXX, XXXX, XXXX ID # XXXX ). XXXX informed me that Discover was mailing the fraud packet to the wrong address although my address is clearly written on all my correspondence to the company. Discover continues to affirm the accounts. I do not know what more I can do aside from filing a lawsuit against the company.
Product: Debt collection

I recently received notification that a collection was added to my report in the amount of {$1400.00} by Nationwide Recovery Systems. I received no notification of this prior to it being placed for collections. I later discovered that it was from an ER visit I made to XXXX XXXX XXXX for XXXX XXXX  sometime in the beginning of XX/XX/2019. 
I am XXXX and am insured by Medicare and at that time XXXX as a Medicare XXXX program that covered Emergency Room visits. XXXX XXXX was given this information at the time of my visit. I contacted this hospital recently and they have no record of any bills being owed to them. I then contacted Nationwide Recovery and they informed me that whether I had insurance at the time or not, was irrelevant and it was too late to furnish this information, they wanted payment in full and would continue to report this alleged debt as a collection to all the credit bureaus. They have ruined my credit and credit scores and I have even enlisted the help of XXXX in verifying that I was covered and to be billed like this is in fact a violation of the FCRA. Unless this debt is removed from my credit reports immediately, I intend on filing a lawsuit against both the hospital and this collection agency. I also requested verification of this debt and have not gotten any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

having a problem with transunion again, i asked them to changed my status from closed to open on my XXXX account because i still have the car to date.it went from transunion to XXXX, now its back to transunion and they are reporting a close account on my credit report and its damaging my score. if they don't correct it, i will take legal actions with them. 

please help me in this matter.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach, and as a result, my personal and financial information has been compromised. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following account from my credit report. 
Account to be Blocked and Deleted : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

My husband and I purchased the vehicle in question using GM Financial. We used it for a trade with the idea that we had finished paying off the vehicle when we traded it in. We received the Title of the car and gave it to the dealership. This was in XXXX OF XXXX. We have completely moved on and never saw anything from GM Finance. And we check our credit all the time and just recently purchased a new car and nothing came back on our credit. 
We are working with our bank and had our credit report run and found there is a Charge-off for the car from GM Finance XXXX XX/XX/year>!! Stating that we still owe them money, that we never paid them. We called as soon as we got the report from our bank. We were transferred several times to be told a different answer every time. We were told it was paid off by the new loan when we purchased our new car when we traded it in and received the title, then told that we owed nothing and then that we still owed BUT COULD NOT PAY. We were transferred many times, asking for the call to be escalated to someone who could give us a clear response however we continued to receive conflicting responses. Any way you look at this, the information was not told to us and was not placed on our credit report until this year. Three years after the trade in of the car and receiving of the Title. And no one is allowing us to try and fix it when we have made attempts to. Yes we struggled when we had the car but we have been in a much better place financially and worked diligently to clean up our finances and our credit report. And we are finding it more and more frustrating when there are still companies that are still allowed to do whatever they want and have no oversight. Especially when people are trying. I appreciate your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY REPLY UNDER FCRA THAT ALLOWS ME XXXX XXXX XXXX. WHERE TRANSUNION PER THEIR Confirmation # XXXX Dated XX/XX/20. I ALSO MAILED THEM MY RESPONSE. MY RESPONSE IS PDF UPLOAD.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX ( OPENED 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 In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX ( OPENED 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 In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX ( OPENED 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 In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX ( OPENED 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: Checking or savings account

X/XX/2017, account was down to {$50.00} or so. Had an automatic transfer for {$100.00} scheduled to go to my savings and 2 small bills to pay. Bills got paid, account down to XXXX bucks. Transfer went through. Called Bank of America, said it 's still processing but also told transfers should n't happen with no money to transfer, which has happened in the past. No money usually means an automatic cancellation of that months transfer. Phone rep are no help, just getting the run-around.
Product: Student loan

Hi CFPB : I am a " client '' of XXXX XXXX XXXX XXXX XXXX XXXX, and in the five years I have been out of XXXX school, I have repaid roughly {$25000.00} on {$69000.00} worth of student loans through a consolidated loan held by Great Lakes. {$20000.00} of that was paid to interest, and just {$4000.00} to principal. According to their website, I still owe more than {$62000.00} a mere five years after graduating from my program. In other words, in just five years since finishing graduate school I have been charged my fixed 6.12 % interest rate to the tune of the down payment on a house, without touching the principal which is still generating a high monthly interest. The issue was that Great Lakes misadvised me about the type of repayment plan I should be on, and for five years I was paying below the minimum required to avoid accruing additional interest on a graduated repayment plan. I wrote to them and spoke by phone for years with people at Great Lakes who assured me that this was not the case, and could n't explain the discrepancy between what I had paid and what I had borrowed. Unfortunately and conveniently for Great Lakes, their website only displays payment history as follows : " Your payment history shows up to 12 months of transactions and only includes transactions since Great Lakes began servicing your loan. '' But they should have these records. I am currently paying {$900.00} a month to try to pay down this loan, which is why I 've managed to pay {$4000.00} toward the principal. Otherwise Great Lakes would have had me on a plan paying only interest for who knows how long? When I checked today what the minimum payment would be for their " graduated repayment plan '' it still said my payment would be $ XXXX/mo. This is less than the amount of interest that is generated on my loans, meaning I would be effectively underpaying an amount that would eventually lead to a pay off. Their graduated plan is a total scam, and I 'm sure I 'm not the only person who has fallen into this trap. I 'm just glad I realized it five years in rather than 10. That said, their mis-representation and mis-consultation of my case has cost me dearly -- and if I were to stay on the $ XXXX/month graduated plan their current calculator tells me it would cost over {$72000.00} in interest alone, meaning my total pay off amount would be roughly three times what my initial loan amount was for. Through multiple phone calls and emails, I never got a straight answer why my payments were not deducting from interest ( i.e. why the principal kept growing even though I was paying what they recommended I pay each month ). Great Lakes is not looking out for people like myself who took out federally subsidized student loans directly from the federal government and then got wrapped up into their money making schemes. I believe this should be the subject of a class action suit, and that many people like myself would stand to reap substantial reimbursements. Please feel free to be in touch if you agree. Thank you for your time and attention and your willingness to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans World Systems reported a account that does not belong to me on my credit report. I have never had any utilities in my name. This is a collection agency for XXXX XXXX  XXXX. This is a fraudulent account and needs to be removed and deleted ASAP. This incorrect reporting has decreased my scores drastically. This fraud account needs to be REMOVED DELETED, AND BLOCKED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union has reported information/ obtained information from companies other than myself without my written consent. No consent is identity theft! 
I did not give Trans Union my written consent to do so. Trans Union is in violation of the USC LAWS listed below. 


Attached are pictures of the items that has been reported without my consent Trans Union please send me a copy of my letter that I handwritten and gave you my permission.

15 U.S. code 1681b 15 U.S. code 1611 18 U.S. code 1028 ( a ) 7.

18 U.S. code 1028 ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a auto accident in XXXX of XXXX I was rushed to the XXXX XXXX center anyhow the car was deemed a total loss. My insurance company took time paying off the balance of the loan plus I had GAP and, Did make payments. I filed a complaint on XX/XX/XXXX with CFPB XXXX XXXX sent a letter and, attached that same letter to complaint XXXX stating they were going to report to all major credit bureaus with 0 30 0 60 0 90 paid and, closed, and they did due that for one month only and, as, soon as the CFPB complaint was closed bam they reported same negative that they removed to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed fraudulent/unauthorized inquires on my XXXX  and Equifax report from  XXXX  XXXX  on XX/XX/2023 it needs to be deleted
Product: Money transfer, virtual currency, or money service

All monies reported to be returned to my cashapp XXXX
Product: Vehicle loan or lease

Account # Ending in XXXX XXXX Days Past Due : XXXX Amount Past Due : {$800.00} To whom it may concern, I am writing in reference to my auto lender Global Lending Services. I reached out to the lender several times explaining Im currently unemployed since XX/XX/year>. I further explained that its been hard to find work, provide shelter for my daughter, and supply food for us. I sent a hardship letter explaining this as well. This same company has wrongly repossessed this same vehicle in the past when payments were being made on time. I only have 4 payments left. They have tried using scare tactics to fear me of a repo, and have also hassled family members as well. Im sick of the harassment and everyone explains they understand inflation because theyre experiencing it themselves. Ive explained that I wont allow the car payment to be 3 months behind if they allow me more time to get caught up, while working odd jobs here in there. Please let me know if you can assist with this issues. Its embarrassing enough and my family members are tired of the harassment as well.