23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My Boss received a letter addressed to me at his home address from a " Student Loan Consolidation and payment reduction program '' inside this letter is disclosed the total amount I owe in student loans. I have never lived at his address.

I am angered that my personal information was sent to his home and that my personal information was disclosed to him. The letter stated it was my " Final Notice '' so he has been receiving this information repeatedly. He brought it to my attention today XX/XX/18 and stated he was not sure why it was being delivered to his home.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Installment with account # XXXX opened on XX/XX/year> and a balance of {$23000.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

This account is false. This car has no lien and I do not owe anyone for this car. These false payments and missed payments are not accurate.

Please remove this from my credit report. I will attach my clear title with no lien to this report.
Product: Bank account or service

I have once again fallen victim to corporate greed in this country. As a college student I feel very vulnerable to banking institutions tactics to create overdraft fees among many low income citizens. The impact of such irresponsible behavior by this institutions spreads in every aspect of my daily life in the most pervasive manner. I struggle to meet ends meet and being in a university, as it is widely known does not come cheap. Every dollar counts and I intend to make every hard earned dollar go towards my education. Not to make banks richer nor become a source of unjustifiable profit. I have no trouble paying my bank the fair fees for the fair usage of their services. Unfortunately overdraft fees do not fall into that category, especially when they are created by corporate tactics with the specific purpose of creating such fees by manipulating timezones limits on deposits. I always get paid after XXXX MST which is a reasonable time to get paid by every standard. I just see no reason whatsoever why banks can not accept deposit made before XXXX XXXX to be processed as a same day transactions. There is no logical conclusion in this time and age when information is available instantaneously, other than authority to impose such restrictions in order to gain profit from a certain portion of the population that work during the night shifts. We have to create awareness that it should be up to us, the consumers and not some financial institutions that " are too big to fail '', to determine our economic future ; by the sweat of our labor and our conviction to pursuit financial growth that will help us reach economic freedom. I am very frustrated citizen and I am looking for alternative ways to manage my money.
Product: Debt collection

XXXX XXXX They are calling me 2-3 times a day from numbers all over the country but recently, they have gone local ... XXXX and even right here in my city of XXXX. I asked them where they were calling from and of course they repeat " XXXX   XXXX '' and I say, " No, what city and state '' and I get " West Virginia ''. I say, " How are you calling from a XXXX number, then? '' I get, " Oh, we have numbers all over the country. '' This, of course, allows them to contact you way more than they are suppose to be doing, so it's harder to prove that it is them. I can certainly call up my phone log and highlight the calls if need be. I'm just really tired of this. If they want to contact me, that's fine but to get me to answer in the middle of work by sending their number as a local number is not cool. I think it's an emergency or something with family and I take it and this all goes on during my work time. I asked them not to do this.
Product: Debt collection

This company is attempting to collect a debt that is not owed by me. I have repeatedly asked the company to submit proof of debt ownership. They have repeatedly ignored my request and not provided and valid proof that I owe this debt. They have reported this debt to XXXX and I have also requested they remove that debt. The have not done so. they are attempting to collect {$140.00} that I do not owe to them. I have sent certified letters requesting proof of valid debt ownership. Yet the company has ignored all request and provided nothing. Contact info Name NATIONAL CREDIT SYSTEM Address XXXXXXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX I have asked for them to please provide me with ALL of the following : XXXX. Agreement with the original creditor that authorizes you to collect on this alleged debt. 
XXXX. The original agreement bearing my signature stating that I have agreed to assume the alleged debt including the original date the alleged debt became payable. 
XXXX. Valid copies of the original alleged debt agreement stating the amount of the debt and interest charges including the date of the original charge off and delinquency. 
XXXX. Proof that the Statute of Limitations has not expired.

5. Complete payment history on this account along with an accounting of all additional charges being assessed.

6. Provide proof that you are licensed to collect in the state of Georgia ; and 7. Your license numbers and Registered Agent. 

The company refuses to send the information or communicate at all. The address listed is not a real address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this issue with the creditors and the credit reporting agencies Equifax for the past XXXX years about this account! XXXX has removed this fraudulent account from my credit report on the second attempt, but equifax has not resolved my issue at all! I have sent in the supporting documents and the police reports as well!! I have tried on numerous occasions to resolve this issue about. They are saying that I have an open account for the balance of {$7300.00}. This was open without my consent and my personal information and identification was fraudulently used!!
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB complaint template. 

have sent multiple requests for investigations into items on my credit reports that are reporting incorrectly. The bureau has not only ignored my requests, but they have refused to send me documentation on how they have verified information on my reports. 

I have sent letters on XX/XX/2021, XX/XX/2021. In the final letter on XX/XX/2021 I explained that if they continued to ignore my requests I would be forced to file a complaint and have my attorney file a suit against them for infringing on my FCRA rights. 

The following items need to be removed immediately. I have allowed more than the time that is legally allowed to complete an investigation. If these Items aren't removed immediately I will file a suit against the bureau. 

Creditor : XXXX XXXX, Account : XXXX Reason : Account is reporting inconsistent and inaccurate Account is reporting inconsistent and inaccurate I asked that this account be verified but you obviously did not do that. This account needs to be removed from my credit report immediately as it is reporting many inaccurate things. Including last reported and the last active date. By not removing this account and reporting it as accurate you are breaking the law
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX # XXXX Open XX/XX/XXXX and Paid Off XX/XX/XXXX company sent Tile I Traded car to XXXX XXXX XXXX 4 months later company place account back on repost as late pay or closed or paid in full or charge off 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : Also States a consumers reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) Section States : No Consumers reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other then records of convictions of crimes which antedates the report by more than seven years 15 USC 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received the results of an investigation I had for my kohls department store card. XXXX I feel did not do a proper investigation. This account was never paid late in XX/XX/2017 yet it is showing as an adverse account on my credit report having this wrong information is affecting my credit score. I have been disputing this for months now I spoke with kohls awhile ago and was assured it would be rectified with the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I have written letters for years to Equifax for validation of debt according to Fair Debt Collection Practices Act I have disputed these items dated back to 2018, Every time I ask for validation they never have given me any validation that I request and they have never removed this inaccurate information from my credit report keeping me from having the ability to purchase a home for my family and other things that would help my lively hood I would like to have this information be removed and taken off my credit report according to my rights through the Fair Debt Collections Practices Act Thank you
Product: Mortgage

Category : Can not Reach Servicer Short Description : Can not Reach Servicer Description : Description : Freedom Mortgage noncompliance with assumption loan. 
VA circular 26 - 23 - 27. Non compliance in processing assumption. 
XX/XX/XXXX initial assumptions package submitted Loan officer appointment XX/XX/XXXX at XXXX XXXX pushed back from XX/XX/XXXX to XXXX on XX/XX/XXXX Not once have we heard from Freedom since XX/XX/XXXX despite various outreach attempts Closing scheduled and then moved from XX/XX/XXXX due to no communication. 
XXXX buyers sent over Verification of Rent without Freedom confirming receipt for second time. 
We hear from Title that Freedom is trying to push XXXX to XX/XX/XXXX even after conditions have been submitted and closing was scheduled for XXXX. 
Loan : XXXX Can not Reach Servicer
Product: Debt collection

I called XXXX XXXX XXXX  who has the debt now, I told them I never had that account, they said it was original a cash central.com account, which I never herd of, they said it was opened in an email address I never herd of and then told me the money was sent to a XXXX  account and again I told them I have never even had a XXXX  account, so they agreed it was not mine, so I have sent them everything I know how, and its still on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed XXXX, XXXX, XXXX as well as debt collection agencies XXXX XXXX XXXX, National Credit Systems, XXXX 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 XXXX XXXX that Pursuant to 18 USC 8 I owe no debt. These companies are violating my consumer rights to privacy pursuant to 15 USC 1618 b 2. The company has no permission to report anything using my info pursuant to 15 USC 1681 4. XXXX deleted those inaccuracies from my credit report but XXXX have illegally verified debts that does not belong to me. XXXX hasnt deleted those collections either. My rights are being violated and I dont have access to my right to credit.
Product: Mortgage

I got a notice from my current mortgage servicer, XXXX XXXX XXXX, that they sold off my mortgage to a new servicer called Carrington Mortgage Services. I know that by law the new servicer is supposed to notify me in writing 15 days before the transfer and it is now 5 days after the transfer and I still have n't received any communication from them whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi to whom concerned, I do not understand why Experian does not respond to my disputes. It has been well over 30, even 45 days and no response! 

I sent out a dispute certified mail that I know for sure Experian received on XX/XX/2023 at XXXX because they had to sign off on it. ( Attached document " Experian Failure to Respond '' ) I have yet to receive any correspondence back, and more importantly, Experian has not removed the erroneous bankruptcy from my Experian reports. 

This means they are in direct violation on 15 US Code 1681i! 

The other bureaus, including XXXX, removed the bankruptcy from my credit report because they came to conclusion that it was erroneous. ( Attachment " XXXX XXXX Experian Dispute ( 1 ) .pdf ).

Experian must have came to the same conclusion, which is why they have failed to respond to my dispute.

Bottom Line : The account in question this bankruptcy needs to be DELETED from my credit reports, since Experian failed to respond in a timely manner according to the law!
Product: Credit card or prepaid card

I had multiple identity theft incidents against me with my discover card. People who were supposed to be helping me in home were using my credit card without me knowing on multiple occasions. When I addressed the situation with discover they informed me I was not liable for the chargers due to identity theft, then they applied all the charges ( some double ) onto my account and now Im paying for it when I was not the one responsible - I still had access to my card and had no knowledge that these people were using my card or hacked my XXXX XXXX until I called to make a payment and realized my balance was ridiculously high. My new card was part of my XXXX XXXX, to which was stolen by these people who I had informed discover if there information - the fraud began at the middle-end of XXXX, I do not have an exact date. This has caused a significant problem with my credit score/ report - discover claimed they would remove all chargers that I was not liable for at all. I had informed them of all the charges that were mine inbetween the times my card was being used - I obviously had no knowledge of the other charges, had I known my card was being used I would have fixed the issue faster. They continue to post an outstanding balance that Im not liable for - Im continuing to pay them and have not been late. I requested they remove these charges and still they are showing. I know which charges in responsible for and have no problem paying my way, but it is unfair and discriminating to say Im responsible for something I know I didnt do and charges I know I didnt make. I need my credit report updated without the charges in my discover account & my discover account to be put back into good standing without issues and the credit company going based off their own agenda. It is unfair and emotionally stressful dealing with fraud and other identity theft incidences, this account and company has caused me significant mental stress and anxiety. I am XXXX and need help with this issue and resolving this account. Putting it back in positive standing, and the charges I disputed to be removed. These people who have stolen from me, on multiple accounts, are professionals, they stole my social, ID, cell phone & lots of personal files and property. I need this resolved as soon as possible, Im having problems with my credit report and score because of this and its causing me tremendous stress and problems financially within my life.
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 and 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: Credit reporting or other personal consumer reports

XX/XX/XXXX COMPLAINT FILED. 
Opted Out in XX/XX/XXXX sell of my PRIVATE INFORMATION The Privacy Act of 1974, as amended, 5 U.S.C. 552a -The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, XXXX 15 U.S.C . 1666b : A creditor XXXX NOT treat a payment on a credit card account under an open end consumer credit plan as LATE for any purpose. 

NEVER HAD A CARD FROM XXXX XXXX. wrong balance wrong payment dates wrong open and closed date
Product: Credit reporting or other personal consumer reports

Experian Dear Sir or Madam, Re : Report Number : XXXX I need my full file disclosure and I need you to only report information that is 100 % accurate and complete on me. I do not want any incorrect, incomplete, or misleading information on my report. THIS IS MY FINAL REQUEST. 
I submitted a dispute on XXXX and on XXXX I received unfavorable investigation results. 
1. Account Name : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Balance : {$XXXX} You claim that the account was updated verified after your dispute yet under the payment history you have ND ( which per my understanding is NO DATA for 12 MONTHS. Why is the data missing? Why is this incomplete? Who verified this? 
Remove this immediately.
Product: Debt collection

XXXX XXXX XXXX continues to call me despite a written request mailed to them to cease telephone communications. They called my elderly mother in Florida and contacted her repeatedly despite being told they have the wrong number. They continue to call repeatedly very early in the morning. Although the calls are not prior to XXXX EST they are as early as XXXX on a Saturday morning. When I advise the caller that I have submitted a letter requesting communications cease, they state that they are going to continue to call me, that they have received no request. I 'm frustrated with their repeated violations of the Fair Credit Reporting Act. XXXX XXXX XXXX min XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX supervisor Explained that I would like documentation that XXXX owns the debt or purchased from Home Depot. Kept stating we sent two letter. They were initiation letters. Explained repeatedly that anyone can send a letter and requested verification that they own the debt. Stated the letters are system generated and will resend if possible. Threatened to continue collections. XXXX/XXXX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX Advised them that I am considering bankruptcy. They asked me for attys name and I informed them I have not retained one. They told me they could not stop calling when I requested them to stop. XXXX/XXXX/XXXX XXXX XXXX XXXX up when I answered XXXX/XXXX/XXXX received a letter XXXX/XXXX/XXXX. XXXX. XXXX ( XXXX XXXX XXXX Spoke with XXXX. Tried to get me to make a payment. Explained considering bankruptcy ask for time to consider options. Said ca n't stop calling and acct will remain in collections. Must send request in writing to stop calling. XXXX ( XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Asked for call back because I was driving. Tried to keep me on the phone. Advised that I could not talk and requested a call back in 10 minutes once I arrive at my destination. They told me that they could not call back at the time requested and would continue to call me XXXX ( XXXX XXXX XXXX XXXX. XXXX/XXXX/XXXX hung up XXXX XXXX/XXXX/XXXX XXXX No msg left. I did not answer XXXX/XXXX/XXXX XXXX XXXX ( XXXX XXXX XXXX Friday Morning! XXXX/XXXX/XXXX XXXX XXXX ( XXXX XXXX XXXX Saturday Morning! XXXX/XXXX/XXXX XXXX XXXX ( XXXX XXXX XXXX No msg left XXXX/XXXX/XXXX Called my elderly mother sometime today. She was confused about why they were calling and told them I did n't live there. XXXX/XXXX/XXXX Called my elderly mother in the morning today. Exact time is unknown She told them they had the wrong number. XXXX/XXXX/XXXX Mailed letter to XXXX requesting that they cease making contact via phone. Requested mail contact and provided my address. XXXX/XXXX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX Called my mother in Florida. XXXX XXXX was advised that they had the wrong number. XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Saturday Morning!!! XXXX/XXXX/XXXX XXXX No msg left XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX/XXXX/XXXX XXXX XXXX When I answered there was no one there and no response to my repeated hello 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  shows up as a hard inquiry two at a time for the past 15 years
Product: Credit card or prepaid card

I filed a dispute in XX/XX/2023 to Incomm Payments about funds on a giftcard that was purchased in XX/XX/2023. Before I was able to use the card, the card was comprised. Incomm denied me 3 times on XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and on XX/XX/XXXX at XXXX ( please see attached documents ). They stated that funds could not be recover and my case had been closed. I filed a complaint with CFPB on XX/XX/XXXX about my concerns with Incomm Payment to resolve the issues of services that were not rendered. 

On XX/XX/XXXX I received several responses from Incomm Payments ; 1. The email/voice message that they stated I received was not true. I did not receive any communication about attempts to recover any funds. They stated in their response on XX/XX/XXXX, they do not have any chargeback rights to attempt to recover funds from XXXX on my behalf. If this is a true statement, then how were they able to received the {$33.00} back from XXXX? 

2. Incomm Payments stated that the card has a Cardholder Agreement regarding Lost or Stolen Cards, the consumer 's Liability for Unauthorized Transactions, well how will the consumer know about this information if the information is inside the sealed packet? Once the card is purchased there is no refund. Please see attachment. 

3. Incomm Payments stated that they place a great deal of importance on customer satisfaction and want customers to have a Positive Experience with their product. According to XXXX  XXXX XXXX, Incomm Payments has had 902 Complaints in the past 12 months and XXXX in 3 years in the same matter as my dispute. These are consumers that had to go through extreme measures, as I have, of filing a complaint seeking recover of loss funds. Please see attachment. 

Incomm Payments has mailed me a {$33.00} Giftcard that was received on XX/XX/XXXX, but failed to rendered the full refund in the amount of {$130.00}, funds that were purchased but never used by me, the consumer. 

All major companies have Insurance to cover their losses, where is the consumers protection when their not given the services that are paid for. 

I'm seeking full refund of {$130.00} for the gift-card that I purchased with no funds on it. After doing a investigation myself and the purchases were made in another state, I'm still puzzled on why InComm Payments refuse to refund my full amount of {$130.00}. 

If I do not receive a full refund of {$130.00}, I will be seeking Legal Action from InComm Payments for their unfair business practices.