23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am disputing a collection account showing on my credit report from XXXX XXXX XXXX XXXX XXXX in the amount of {$7000.00}, originally from Santander Consumer USA XXXX, which I do not believe I owe this amount. I have disputed this account directly with XXXX and the credit reporting agencies, and even hired a company to assist me with no result. They were informed of my dispute and that I was requesting a copy of the Explanation of Calculation of Surplus or deficiency as proof of the amount they claimed I owed, since I never got a copy from Santander. XXXX continues to report this account on my credit reports and this information is affecting my credit rating and ability to obtain credit, This situation have also created a lot of emotional stress. I am requesting your assistance in enforcing this company to comply with my request or delete their trade line from my credit reports. Thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX  XXXX Balance : {$810.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX.
Product: Student loan

Good afternoon- I attended XXXX XXXX XXXXXXXX dating way back to about 2007. My loans are higher now than when I took them. I have paid on and off over the years. I was talked into forbearance without Navient offering me other repayment options. My understanding is a Class Action was settled and I am trying to get my loans discharged if falls under that Class Action? My original loan amounts were roughly XXXXXXXX XXXX 2007 and I now owe over XXXX. Please help. It has been 17 years and my balance never went down. 

Thank you! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear TransUnion Consumer Dispute Center, I am writing to dispute the accuracy of information on my credit report, specifically in relation to the alleged debt associated with my account XXXX. I hereby request that you provide proper debt validation as required by the Fair Debt Collection Practices Act ( FDCPA ). 
Account Information : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Current Balance : {$250.00} I want to clarify that I canceled my membership with XXXX XXXX on XX/XX/2023, both at the front desk and through email correspondence with the XXXX XXXX XXXX at XXXX, following the instructions provided by the Vasa staff. Enclosed with this letter, you will find copies of the relevant email communication that validates my cancellation. The email clearly shows that I followed the appropriate procedures to cancel my membership. 

Furthermore, I continued to be charged despite the cancellation of my XXXX XXXX membership, as outlined in the attached documents. These unauthorized charges are not in accordance with the terms of the contract and further substantiate the invalidity of the alleged debt. 

As such, this alleged debt is invalid, and I demand that you cease all attempts to include it on my credit report. Pursuing the reporting of a debt without proper validation and evidence of its legitimacy is a violation of the FDCPA, specifically, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( b ), which state that a credit reporting agency must ensure the accuracy of the information it reports. 


Moreover, I believe this debt collection attempt is a clear act of retaliation for a negative review I left on XXXX for XXXX XXXX. I want to remind you that retaliating against a consumer for exercising their right to leave a review is not only unethical but also illegal under the FDCPA, section XXXX, and potentially violates state laws as well. 

I kindly request that you conduct a thorough investigation into this matter and, upon verification of the inaccuracies, promptly update my credit report. As per the Fair Credit Reporting Act ( FCRA ), I expect this investigation to be completed within 30 days. 

Enclosed, please find copies of the following documents for your review : Original Contract Email Sent for Membership Cancellation ( XX/XX/2023 ) Unauthorized Charges Documentation I appreciate your prompt attention to this matter. If you require any additional information, please do not hesitate to contact me at XXXX or XXXX. Thank you for your cooperation in resolving this dispute. 

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

XXXX. There is a XXXX XXXX secured card with a {$0.00} balance that I do not have that needs to be removed and or closed. XXXX. I am employed by XXXX XXXX and have been employed since XXXX. This information is not on my credit report. XXXX. My legal name is incorrect, it should be XXXX XXXX XXXX
Product: Credit reporting

We settled a dispute with a local hospital on XXXX XXXX, 2013. 
By reaching the settlement, we agreed to withdraw our legal complaints against the hospital, and the hospital agreed to accept an amount smaller than originally billed. 
It was stated in the settlement letter that by offering and accepting the settlement, both parties agree to release each other of any and all claims related to this account. 
The issue is, with this settlement, we have withdrawn our claims against the hospital, yet, they still have a negative statement on our credit report? Why? 
If the law allows them to continue to post this adverse statement on our credit report, even with this settlement, then at least, they can include a more clear statement in the Status section, such as, " Account settled on XXXX XXXX, 2013. Both parties agree to release each other from all claims relating to this account ''. 
This statement is more representative of the true status of this account, instead of the current description in our credit report, which carries the connotation that somehow, we still owe them money.
Product: Prepaid card

Hi My name is XXXX I have a pre-paid debit card with Netspend.and I had been issued a refund from a cheer uniform company due to the fact that they had sent me the wrong size kit so my cheerleader 's uniforms were mad wrong. after several talks with the merchant they found out that they did send me the wrong size kit. so they decided to issue me half for the tops. well the money was sent to my Netspend card. which I had no Idea that they would put a hold on the funds and not issue to me. after sending serveral documents, after speaking with the Merchant they still refuse to send or release the funds, They did not warn me or tell me that they could do or that it was their policy. the amount that they are holding is XXXX, XXXX They are saying the only way that they would release the funds or mail the check back to the merchant is that they would have to have a XXXX letter. Well the XXXX letter was e-mail now the fraud department at netspend said that they have to have the physical letter. I have called the XXXX, I have filed with the XXXX
Product: Debt collection

XXXX XXXX has provided my work address to two different debt collectors. 

XXXX XXXX XXXX, is the second debt collector that has sent mail to my place of business concerning a debt from XXXX XXXX. The mailing is attached. 

On both occasions, the person that receives the mail sent to that address opened the mail, not knowing that it was personal mail. 

I have never given XXXX XXXX this address as a method of contact for me. 

I contacted XXXX XXXX on XX/XX/2023, around XXXX a.m. central time, to inquire about the address and to inquire about the status of my accounts. I wanted to know if my accounts had been sold to a debt collector or placed with a debt collector for collection purposes. I was not given a direct answer to those questions. The XXXX XXXX representative told me that another " Team '' was handling my accounts. 

I learned from a previous complaint filed against, XXXX XXXX XXXX, that the address was obtained from XXXX XXXX. The response letter from XXXX XXXX XXXX, stating that the address was obtained from XXXX XXXX is attached.
Product: Money transfer, virtual currency, or money service

Financial information was given out without my permission and funds were never available therefore I want to sue bank of America
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ). The violations include : XXXX. FDCPA Violation XXXX : Failure to provide written notice of the debt within XXXX days of initial communication. 
XXXX. FDCPA Violation XXXX : Failure to provide verification of the debt upon request. 
XXXX. FDCPA Violation XXXX : Failure to provide validation of the debt, including copies of relevant documents. 
XXXX. FDCPA Violation XXXX : Unauthorized disclosure of private information to a third party. 
XXXX. TILA Violation : Failure to provide accurate and complete disclosure of loan terms and conditions. 

XXXXXXXX XXXX  has failed to adhere to the FDCPA and TILA guidelines by not providing me with the necessary information and documentation regarding a debt they claim I owe. Despite my requests for verification and validation of the debt, XXXXXXXX XXXX  has not provided me with copies of relevant documents or accurate disclosure of loan terms and conditions. 

These violations have caused me significant distress and harm, and I believe XXXX XXXX XXXX actions are in direct violation of consumer protection laws designed to safeguard consumers like myself. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX XXXX for their violations of the FDCPA and TILA guidelines. I also request that XXXX XXXX be held accountable for their actions and that I receive compensation for the damages incurred as a result of their non-compliance. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
XXXX XXXX
Product: Debt collection

I was contacted by Sunrise Credit Services by letter in regards to a debt to XXXX XXXX XXXX I called as soon as I received the letter to dispute and was told to submit an email to that effect and I did a few days latter. In the letter I informed them that this was the second time I received a notice about a debt and that I did not owe it and updated my address and included my phone number in a letter dated XX/XX/2020. 
I assumed that they contacted XXXX XXXX XXXX and discovered what I had told them was correct because I returned the phone to them during my free look period after only having the phone about 10 days. The phone was returned because of poor reception in my area. Since my email I have not received any more letters or any phone calls. Nor did i receive verification of the debt. I received a message that my credit rating was dropped and inquired to find out Sunrise had reported it to my credit report as a collection. Causing a stain on my perfected credit rating.

I ask that the collection be removed from my record and to be sent verification of the debt. I now have a different phone and my carrier is XXXX XXXX XXXX I believe they would have told me about this bill before allowing me to get service with them. 
I contacted XXXX XXXX XXXX and was not told that there was no balance due.
Product: Debt collection

I opened my mail on XX/XX/XXXX and discovered a letter was sent to me about medical debt. AmeriFinancial Solutions , LLC. sent correspondence via U.S. mail on XX/XX/XXXX demanding payment for medical services that were rendered at XXXX XXXX XXXX XXXX on XX/XX/XXXX for my XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX sent my XXXX XXXX medical information to a company that is not licensed to conduct business as a consumer collection agency in the State of Florida. AmeriFinancial Solutions is engaging in unlicensed activity and is falsely claiming that it has a legal right to collect on a debt, which is in violation of both State and Federal law. According to the U.S. Court of Appeals ruling in XXXX XXXX XXXX XXXX XXXX, a consumer in Florida, pursuant to the federal act, can sue a collection agency for its failure to register with the Florida Office of Financial Regulation in violation of the state act.
Product: Checking or savings account

XXXX XXXX has submitted items for the same transactions over and over, causing overdrafts as well as bank fees. In addition, Telecheck, ( TRS services XXXX XXXX process for bank transactions ) has assessed 5 @ {$30.00} each time. At the present time, TRS has presented these same 5 {$30.00} four times. Each time XXXX has assessed OD fees and returned the item. 
It is usual for a second representment of the same item, however, more than two times is abusive as well as a violation of the banking regulations. XXXX XXXX, TRS as well as XXXX bank are in violation by allowing these transactions to continue endlessly. It is a process to generate additional fees for the financial institutions. 
Adding to this, TRS, as sent me invoices charging not only the amount of the item but an additional fee of {$30.00}. The items {$25.00} Ref XXXX Item {$25.00} Ref XXXX Item {$25.00} Ref XXXX Item {$50.00} Ref XXXX In addition, there are extra fees of {$30.00} added to the above amounts. And 5 x {$30.00} has been deducted from my account. 
TRS threatens to disallowed any activity regarding financial institutions, i.e. opening accts, check denial etc. 
As well, transactions which were processed as an XXXX were changed to a check as a means to process the items a second, third and fourth time.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX FIN XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX XXXX  ( XXXX minutes ago ) to me 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 practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's 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: Credit card or prepaid card

My Capital One credit card account was used in California and Florida while I was in Oklahoma where I live. I contacted Capital One but they refuswed to help me. I have contacted the FBI and the Secret Service both to assist me with this fraudulent charge that is affecting my credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 my phone was stiles and cash app was compromised by them sending money to an unknown source they used my cash app and sent XXXX and XXXX and pretended to be me. And Cash refuse to return my money
Product: Credit reporting or other personal consumer reports

I've reached out over 3 times regarding this with no responds. 
As per Guidance from the consumer Financial Protection Bureau ( CFPB ) the documents needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to trafficking debt final rule 1002.142 ( b ( 4-5 -1002.142 ( p ) 7 ) ,1 kindly request that you block this information from my Credit report within four business days, pursuant to section 605C of the fair credit reporting act Jam a victim of human trafficking of debt bondage and would like for all listed accounts to be Blocked and Deleted from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX 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

Several requests have been submitted to Equifax and XXXX - XXXX to remove this authorized user account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite of the multiple previous written requests, the the inaccurate items still remain on my credit report in violation of Federal Law. The Credit Bureaus failed to comply with air Credit Reporting Act, within the time set forth by law and continued reporting of unverified information. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, Sections 605b within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I saw a new credit card in my online banking with Chase that I did not apply for. I called Chase immediately and they told me it had been opened that day via online. They took a fraud claim and advised me the account was closed and it would be removed from my credit report ( XXXX ). 

XX/XX/XXXX I received a letter from Chase stating they completed their review, determined I was not responsible for the credit card account, and would ask the credit reporting agency to remove this account from my credit report. 

XX/XX/XXXX I saw the hard inquiry from Chase from the fraudulent credit card still on my XXXX credit report so I called Chase. I spoke with XXXX who was completely unhelpful, told me he would email another department to see when the inquiry would be removed and I would hear back from them and he couldnt give me a timeframe to hear back. I also tried to dispute the hard inquiry through XXXX but they told me they dont handle inquiry disputes and to contact Chase Bank. 

XX/XX/XXXX Hard inquiry still on my XXXX credit. report So I tried to call Chase again. I received a recording saying they were not taking phone calls ( due to Covid ) but I could email them so I emailed them. 

XX/XX/XXXX I received a call from the Chase Fraud Dept. who told me to get the inquiry removed, I had to call their Credit Bureau Dept. at XXXX, XXXX EST, Monday-Friday. This rep told me to advise that dept. to check the notation on the fraudulent account from this rep. dated XX/XX/XXXX. 

XX/XX/XXXX or XXXX, XXXX As instructed by the Fraud Dept. at Chase, I spoke with someone in their Credit Bureau Dept. This rep stated she would resubmit a request to the credit bureau to remove the inquiry and would send me a letter in 7-10 days. 

I then received a letter from Chase dated XX/XX/XXXX stating that they asked Experian to update the XX/XX/XXXX inquiry to a soft inquiry and also encouraged me to review a copy of the credit report to confirm this update. 

XX/XX/XXXX I just got a new Experian credit report and the inquiry from Chase from XX/XX/XXXX is still showing as a hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an unknown collection account appear on my credit. I first contacted the original creator who in this case was apparently XXXX XXXX XXXX. I spoke and sent them a letter along with the Fraud Affidavit and the account was removed. After that the collection account that was associated with the debt was removed. Now that I am in the process to get financed for a loan that collection account that was once removed has been reinserted to my credit report and has affected my chances of being approved, To date, I have not been contacted by anyone in this regard. The collection company is also alleging the account XXXX has been an open collection since 2016
Product: Debt collection

putting the wrong name on a medical debt. i received a letter from credit systems stating i owed a medical debt to XXXX XXXX XXXX XXXX, for XXXX i am disputing this i do not and never have had a medical bill with XXXX XXXX XXXX XXXX montana for XXXX XXXX XXXX of credit systems sent this bill out addressed to me, when this is not and never has been my account.