23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I would like to file a complain against XXXX who provided me a TV/internet service in XX/XX/XXXX. They are collecting me XXXX dollar amount for the payment of the equipment that they use for the service. All this equipment was mailed back to them after the service was terminated. i disputed this already with their company in XX/XX/XXXX when I question them this amount. I even spoke to the supervisor and they said they will correct it on their end. I can not provide the mail receipt of this claim since its been a long time.But the collection company Trident Asset Company is the one collecting this amount from me. I already spoke to one of their staff that I disputed this and they submitted this to XXXX which shows on my credit report.
Product: Checking or savings account

On XX/XX/2024 I filed a claim with citizens bank in the amount of XXXXXXXX XXXX I was told that it takes XXXX business days to investigate and if the issue is not resolved than I am supposed to receive temporary credits. 

My card was used at XXXX different atms Ive asked citizens bank to check the cameras and I also submitted a police report to support my claim It has been XXXX business days and I have not received any type of credit or response from the back office No ones is letting me know what is going on with the claim and my temporary credit request was denied this is unlawful My claim is XXXX
Product: Mortgage

I recently filed a complaint on XX/XX/XXXX. The response was inaccurate and the complaint was closed. Mr. Cooper claimed that my mortgage is 12 months past-due. I have several documents. Mr. Cooper did not obtain my mortgage until XX/XX/XXXX. All past due balances were payed by the FHA partial claim program which covered XXXX XXXX XX/XX/XXXX mortgage payment. This information can be verified by both XXXX XXXXXXXX XXXX and XXXX ( HUD Contractor ). I am having problems paying my past-due mortgage payments with Mr.Cooper because the system is not updated. My first payment was due XX/XX/XXXX, XXXXMr. Cooper informed me that it can take up to 90 days to input the correct information and to continue checking the website however, it has been over 150 days now.
Product: Student loan

I am a member of the XXXX XXXX. XXXX XXXX in the XXXX Decision class. I filed my XXXX in 2014. The DoE acknowledged I am in the XXXX XXXX ( I have emails ). According to the XXXX XXXX XXXX settlement, the DoE had until XX/XX/XXXX to follow up with my XXXX  or they are required to forgive the debt. XX/XX/XXXX came and went and they have not complied with the court order. I have been trying to get a hold of someone there for months and no one has been able to talk to me about this. I contacted the XXXX, the DoE and my congressional representative on this again today. 

They are in current violation of the court order and are now require to forgive all of my debt. I need to know how to invoke my rights. 

Please help me. I've been in XXXX 's XXXX for 10 years now and deserved to be freed.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred from XX/XX/XXXX until XX/XX/XXXX and now my account has closed because of it. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of changes and credits. This issue aligns with the recent CFPB finding against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX I received a message from my Bank listing two transactions from PayPal. 
Paypal debited my account for XXXX and the XXXX debited my account for XXXX. 

I called XXXX and they credited my card back on the spot. Then I called my bank to have the card blocked. And told them about the XXXX charges. The bank said they would contact paypal. 

Since it was after XXXX on XXXX. I got on the internet to contact PayPal.They gave me the run around and would not tell me who used my card and why. ( I have email transcript ). The unauthorized user of the card had more rights than the owner of the card in there eyes. 

On XXXX I called PayPal, They took me thru a series of questions before they would tell me who used my card. Then Paypal said the would issue me a credit back on XX/XX/XXXX. PayPal also stated they have no way to protect my card information what another user list it as their payment method. WOW! This is enabling people to still. 

Problem for Censurers : - No data base check to see if existing credit card is on file. Before a new payment ID is established. 
- New/existing user requesting to add new payment method should have to verify existing credit card information and it should match. Before access is granted. 
- Existing card holder should be notified that someone else is attempted to add there card for use. 

If PayPal can verify user id and email address, they should run a check on their data base to see if the payment method is existing. 

Resolution : I want the person who stole my credit card information to be PROSECUTED ASAP. 
The broke PALPAL service agreement and committed a crime. Also I know this person soled or shared my card information due to the other transaction. 

PayPal and XXXX need to launch an investigation on how they allowed this user to INFILTRATE their data base to gain access to their customers financial information without having to verify there identity. 

I want my money back XX/XX/XXXX not XX/XX/XXXX. This breach has caused me high level of stress, a firm dis trust for both their services. I am a nervous wreck, because I dont know what other personal information he mayve obtain thru PayPAL/XXXX negligence to protect my data on their data base. PayPal and XXXX need to held accountable.
Product: Vehicle loan or lease

In Accordance with 15 USC 1692g, Foursight Capital failed to comply with sections ( 3 ), ( 4 ), and ( 5 ) of the code. I did not receive a statement that gave me the option to validate the alleged debt, dispute the debt or information providing me with the name and address of the original creditor. The date of the alleged contract is XX/XX/2021 for a loan total of {$19000.00}.
Product: Debt collection

At XXXX on XXXX I received a call from XXXX XXXX. I was not home and the following message was left on my machine : This is XXXX XXXX and I am tired of wasting my time and resources on you, it is in your " best interests '' to call me NOW! to resolve this matter before action is taken. After reading posts about this number on line I have found that this is a deceptive company that gives address of XXXX XXXX XXXX XXXX, XXXX, NY XXXX The address is vacant and for lease. If the company name Direct Recovery XXXX is XXXX it comes up with a company in California. They have a home made website with no information at all except pay now. I did not call them back because I never received a verification of debt letter from any company in over 6 years. Here is info directly from this company as posted on Who called me from ... The name of the company is Direct Recovery Services. Our primary location if XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. We also have offices in Minnesota and South Dakota. Full information is available at XXXX Any questions or concerns can be addressed in a call or in writing and will be immediately addressed. Send questions or concerns to XXXXXXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted formal disputes with XXXX, Equifax, and XXXX  in regard to inaccurate late payment from XXXX XXXX XXXX XXXX showing on my reports, in which I'm co-signer for my wife, on her Equifax report shows paid as agreed but all 3 of my reports shows 1 30 day late in XX/XX/2017. This caused my credit score to drop more than 60 points, resulting me not able to qualify for personal loan.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX / XXXX XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Greenery had a charged off account with {$0.00} payment history. I've paid over {$4000.00} on a {$8000.00} account. They are now reporting that my balance over over {$9000.00}
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. 15 U.S. CODE 1692XXXX - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX NA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX NA Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

I made a balance transfer request which was to transfer a balance from a credit card at XXXX XXXX ( account now closed ) to Discover. I believe there was a typographical error in the number I typed however I called to try and resolve this many times over several months, as the balance was applied to my discover card yet not applied to my XXXX XXXX account. I obtained a copy of the processed check that Discover sent to XXXX XXXX in my name and emailed this in under their dispute resolution process on the app, however it was declined with no reason provided.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Re : Name : 1st Digital/SynovusXXXX  Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SD XXXX Account # : XXXX Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 

XXXX XXXX
Product: Debt collection

PayPal credit will not stop calling. I received anywhere between 5-10 calls a day, even as late as XXXX and on weekends. Just yesterday, XX/XX/XXXX I received four phone calls at XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Each time I answered and asked for them to stop calling my number.
Product: Vehicle loan or lease

On XXXX XXXX i started making monthly payments for {$500.00} on a XXXX XXXX XXXX. It has been over XXXX years and my balance owed is still almost the total price of the loan. The original loan amount was {$17000.00} and my balance owed on the car is still XXXX. How can this be? This company American Credit Acceptance is has been applying my entire monthly payment to interest only. This is terrible! I have tried requesting XXXX and no one is ever available to assist me.How can I still owe this much after almolst XXXX years.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX ON XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, XXXX5 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form XXXX, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX ON XXXX are inaccurate and must be removed.
Product: Credit reporting or other personal consumer reports

A Bankruptcy XXXX XXXX is being reported on my credit report file and shouldn't be reported on my credit report file.
Product: Money transfer, virtual currency, or money service

I have a master card direct express card and I get my XXXX on it on the first of every month this month on the first they allowed five people who I didn't know with the letters of in front of there names take more than a hounded dollars each out of my account and when I called to get it taken care of the man told me that he would put a hold for 7 days on the money and I had to call this number XXXX and ask that these people XXXX evens, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX would please give me back my money I never altherosized them to take it in the first place and need a cancellation # and ask for how long it will take. That was on the XXXX of XXXX at XXXX I then call the number for the rest of the night and next morning getting nothing but a busy signal only to find out that the card had given them my money anyway so I called back and had to deactivate my card get a new one and do a despute on these charges that I never altherosized that I made clean to the first person I talked to. I just want my money back I don't understand why I am being scammed by someone and why people are not listening to me about it.
Product: Student loan

OnXX/XX/2019IreceivedaTotalandPermanentXXXXdischargefromXXXX.IntheletteritstatedthatmyloanholderwouldtransfertheaccounttoXXXX.

IcontactedXXXXontwooccasionsincludinganemailandtheystatedthattheysentarequesttotransfermystudentloanaccountswithXXXXtothem.

IcalledXXXXtwiceandtheystatedthattheyhavenotreceivedtherequest.
XXXXcontinuestoreportmystudentloansincludinginterestowedwhichhascausedmycreditscoretogodownover7pointsinthefirstquarterwhenreportedinXX/XX/2019.


PleasefindattachedcorrespondencefromXXXXandXXXX.
Product: Credit reporting or other personal consumer reports

I am writing to issue a final demand for the immediate removal of the inaccurate and unrecognized accounts from my credit report.
Product: Checking or savings account

On XX/XX/year> XXXX I deposited XXXX XXXX dollar bills in to atm and a bank error occurred... I was not credited on my account. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX DATE OF INQUIRY : XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). Listing these items as information without verifying them within the legally mandated time frame is unacceptable. I require an investigation, a correction, or removal of the following erroneous information on 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are NOT removing items when theyre sent with an FTC report. Since it is a requirement by law 605b of the FCRA, if you choose to not remove the following items listed below which are reporting inaccurately due to misrepresentation in my credit report, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following items as they are inaccurate & were opened without my consent or knowledge : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4600.00} -- -- -- -- -- -- -- Equifax : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4600.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX Balance Owed : {$4600.00}. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from a faulty credit reporting. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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
Product: Debt collection

Received multiple notices from CCS regarding a {$280.00} charge for XXXX XXXX. I do not owe any money to XXXX, I have checked all statements and spoken to representatives. This debt is not mine. Recently, the debt collection has shown on my XXXX XXXX credit report resulting in a derogatory mark and a loss of 26 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of late, I have been in process of correcting incorrect/inaccurate information on my credit file. After careful review of the credit reports from the bureaus I can confirm that there is still incorrect information on my report. 


On XX/XX/2022, I sent 3 certified letters to XXXX, XXXX, and Transunion. In those letters, I simply asked if it was possible to remove incorrect personal information from my credit report. There are too many inaccurate addresses, names, and employment information on my file that isn't supposed to be there. 


I've also taking into account that incorrect, and false information on my credit report is a violation of my personal and privacy rights.
Product: Debt collection

I found out that I was sued by Jefferson Capital Systems , LLC and a civil judgment had been declared by the XXXX XXXX XXXX XXXX. The case number is : XXXX. Jefferson Capital Systems file number is : XXXX. 

The judgment was made on XX/XX/XXXX. On XX/XX/XXXX I received another notice from Jefferson Capital Systems from a XXXX XXXX XXXX XXXX, CO. The amount of the debt listed is {$1800.00}. This is astronomical for a credit card with a {$300.00} credit limit. Also of note is the fact that my last name when married was, " XXXX '', and it was legally changed back to my maiden name, " XXXX '' after my divorce was finalized in XXXX of XXXX. The notices I have received are addressed to " XXXX XXXX ''. This also makes me question the statute of limitations on this debt. 

I looked up the case number above and discovered that the case was closed years ago. I am questioning the legality of continued attempts to collect on this debt and potential violations of the laws regarding consumer debt collection practices. 

I am also XXXX and my only source of income is XXXX and I have not worked since XXXX of XXXX. 

I would appreciate your help in this matter as Jefferson Capital Systems has a long history of fraudulent debt collection practices. 

Thanks in advance for your help in this matter. 

Sincerely, XXXX XXXX