23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear XXXX I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; A settlement agreement that I may retain for my records. 
XXXX compensation in the amount of {$1000.00}. 

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX Account XXXX : XXXX
Product: Credit reporting

I was not able to update my dispute information and upload files this evening. Person I spoke to this evening around XXXX at TU barely spoke XXXX. I dont think the credit bureaus should put your dispute on lockdown after you submit it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last thousand or so dollars was turned back over to the State through the Alaska Commission of Post Secondary Education to satisfy the remanding balance of the loan. The Alaska Commission on Postsecondary Education sent me a letter verifying the debt had been paid. The Education Loan I am referring to is in the total amount of {$6700.00}. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska Commission of Postsecondary Education regarding this in late XX/XX/XXXX maybe early XX/XX/XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, PA XXXX Disputed Sums, Navient XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska Commission on Postsecondary Education XXXX. XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska Commission of Postsecondary Education stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission.
Product: Credit reporting

The XXXX XXXX XXXX information listed incorrect. States that high limit is {$3800.00}, which state I went over the limit by XXXX dollars. This is an issue because credit score dropped XXXX points.The bank has sent a request to have this information corrected to the credit agencies, but the credit report still shows I went over the limit. Here is the " Control Number '' from the bank to have to information corrected # XXXX ( XXXX XXXX XXXX account # XXXX ). Please have this info updated ASAP as this will affect my ability to obtain an loan. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX there is a hard inquiry for XXXX/cbna which I did not do. I did file in two other complaints about my fraudulent reports.
Product: Checking or savings account

Im writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred despite having significant funds with transactions were authorized. I was charge fees due to leg post of charges and credits. This issue aligns with the recent CFBPB findings against Navy Federal for similar practices where transaction settled with insufficient balances, despite initially available funds I believe these practices are unfair and request an investigation Into my account transactions
Product: Credit reporting or other personal consumer reports

Dear Transunion, Recently after disputing with identity affidavit and you failing to accurately verify the account you removed this account. Weeks later it shows back up remove this fraudulent account and please stop accounts from reappearing this is messing with my livelihood. XXXX XXXX opened XX/XX/2023 this account isnt mine, its not reporting accurately I have no association with this account remove it. You failed at providing a description of investigation when I asked. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ). I put in a requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681 ( 7 ). You are violating my federally consumer protected rights. Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

15 USC 1681s-2 according to ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
Delete these accounts immediately because of violation of 15 USC 1681i ( a ) ( 1 ) ( A ), 15 USC 1681s-2, and 15 USC 1681 ( 7 ). Delete these accounts because they dont belong to me multiple violations. 

XXXX XXXX Social : XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX
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 card

On several occasions while trying to pay my bill last XXXX ( 2016 ), Chase lost my billing information and it resulted in interest charges and late fees. There was continuous communication on my behalf as the information that was provided was inconsistent amongst different entities of Chase. I was told it would not be reported to the credit bureau 's and would be noted as I was also a victim of identity theft. Chase continues to address that I did not contact them in regards to a sudden address change or lack of receiving of a card but I did. In fact, my card number was compromised. On several occasions, I went to the branch to address this issue as Chase did not via customer service. Ultimately, my balances were paid off and I was dismissed due to " bank policy '', but ultimately I feel the reason is because of the lack of ethical business practices and the poor documentation. In one incidence, I was charged interest/late fees and it was reported to the credit bureau even though Chase had my payment info and the representative just did not submit it correctly. I feel that the indication only my report as my account being past due or late should be corrected at any rate. In addition, any late charges that were charged or indicated on my account should be reviewed individually as Chase failed to follow proper bank procedure and business practices when contacting me and/or communicating me with such sensitive/important information. This specific to the account ending in XXXX. This is my second inquiry.
Product: Credit reporting or other personal consumer reports

XXXX A XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/year> EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information in Credit Report I am writing to notify you of an issue I have encountered with my credit report. Upon reviewing my credit report, I have found inaccurate or incomplete information that I believe violates the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX XXXX XXXX  ), which pertains to the accuracy of credit reporting. 
The disputed information is as follows : I request that you investigate this information and correct any inaccuracies as required by the FCRA. Please notify me in writing of the outcome of your investigation, as outlined under the FCRA. If you determine that the information is indeed incorrect, I kindly ask you to update my credit report accordingly and provide me with an updated copy of my report. If further information or clarification is needed, feel free to contact me at the address listed above. 
The following company has failed to validate and remove credit reporting and is in violation of the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) FDCPA in the amount of {$1100.00}. This company is not the original creditor and has no standing to report inaccurate information in a consumers credit report. Please remove this account immediately. 

XXXX XXXX XXXX XXXX CFPB XXXX ID XXXX XXXX
Product: Money transfer, virtual currency, or money service

This is to inform you that I sent money to the following number and email XXXX XXXX. After sending these transactions the beneficiary didnt receive the money into his account but only received a text message just like that in the attachment shown. I filed a compliant with Bank of America the company involved with sending and receiving the amount and they rejected my claim stating that the money was sent and we can not provide you the above claim of {$100.00} and the claim number being XXXX
Product: Credit card

In XX/XX/XXXX Citi Cards ( Citibank N. A. ) sent my credit card to an unknown address. I had all cards in my possession and had early warning and notification for any activity. In which I always received warnings for purchases I made on my own card. In this case there was no notification of sending a new card to a XXXX party address. The XXXX party charged approximate {$5000.00} cash in $ XXXX increments. This should have been a huge red flag with notifications to me. Now I want to sue Citibank N.A . in Ca. in XXXX XXXX, however seems to be a discrepancy with the address for process of service. Nothing on the XXXX of state site for CA. Now in XX/XX/XXXX Citibank has sold the fraudulent debt to XXXX XXXX. What can I do to Resolve this fraudulent account on my credit report? 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This not a duplicate request. This is not made in error. I do not consent to XXXX verification. Please see attached document for review.
Product: Money transfer, virtual currency, or money service

My Cash app account is in the negative because of fraud and no live agent was able to contact me or help me with any information regarding the issue, I never received any emails after I submitted my personal information to multiple sources from cash app support, my account is still in the negative and I can not use my account anymore
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this XXXX XXXX. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX XXXX XXXX on XX/XX/19 regarding Midwest Recovery Systems alleged collection for {$1000.00}. XXXX notification response indicated the collection is accurate. 

I contacted Midwest Recovery Systems today on XX/XX/19 and reported this is false and identity theft as I have never opened this type of account. I also requested hard copies of the original contract to review for myself the validity of this as I know I did not apply or take out this type of loan. The company kept transferring me and did not respond with the information I requested.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0}
Product: Debt collection

It involves a debt collection of {$1500.00} on XXXX and XXXX by Ability Recovery Services XXXX. I sent a debt validation letter two times on XX/XX/2022 and XX/XX/2022 but both companies refused to validate the debt. This invalidated debt which is the only negative thing in my credit report is doing great harm to my public image. Please delete this information from my credit file and cease all collection activities. 

Here are my certified mail tracking numbers : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document 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 XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human tra_icking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX 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 or other personal consumer reports

XX/XX/XXXX Dear CFPB, Subject : Inaccurate Late Payment Reporting for Account with XXXX XXXX I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Equifax for account # XXXX with XXXX XXXX. These late payments are erroneous and do not accurately reflect my payment history, as I have consistently made payments on time through autopay. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. My account was fully paid on time, and autopay was active to ensure consistent, timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness and payment history. 
Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments XXXX also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( XXXX ) : The reporting practices violate the XXXX, which mandates accurate reporting of credit information. 
The FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure maximum accuracy in consumer files. 
Additionally, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively, allowing for damages, including actual damages, attorneys fees, and possible punitive damages for failure to comply with the XXXX 's requirements. 
Summary of Errors on Account The XXXX XXXX account displays several discrepancies across credit bureaus. Equifax incorrectly reports XXXX late payments for XXXX, XXXX, XXXX, and XX/XX/XXXX, while XXXX and XXXX report XXXX payments for XXXX, XXXX, XXXX, and XX/XX/XXXX, despite timely payments through autopay. XXXX and Equifax list a high balance of {$30000.00}, while XXXX shows {$0.00}. 
Additionally, the " Date Reported '' and " Date of Last Activity '' differ, leading to inconsistencies in account status. Equifax inaccurately describes the account as " closed or paid account/zero balance, '' while the dispute status remains " not disputed '' despite prior correction requests. These errors collectively misrepresent the account 's payment history, balance, and dispute status. 
Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payment notation from my credit report. All entries should be updated to reflect my accurate payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my consumer rights. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I sent a certified letter to the National Credit Adjusters Company asking them to validate by signature that a specific invalid debt account was mine. It is now XX/XX/XXXX and I never even received a response from them. This debt account does not belong to me and I am looking to get it removed from my credit report.
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 XXXX 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. Please see the attached file for what I am complaining about and take immediate actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX  XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2021 XXXX ( XXXX ) - ( XXXX ) XX/XX/2021 XXXX XXXX ( XXXX ) - ( XXXX ) XXXX
Product: Mortgage

I have received your reply to Case number : XXXX in which you state that you indeed granted me a loan under the HARP program ; however, the letter that you enclosed was never sent to me. I keep records of all correspondence on this loan. 
The reason I know that you never granted me the loan under the HARP program is because after the loan was approved, I learned about the existence of this program. I questioned your mortgage department not once but several times after that as to why I was not granted the loan under the HARP program and I was told that I had not qualified for it. Should you have granted the loan under the HARP program, should n't your staff have known about it and responded accordingly? 
Also, should you have granted me the loan under the HARP program, the rate would 've been much lower than 5 %. I would 've not need to extend the life of the loan to 30 from 20 years ( previous loan term ) to reduce the monthly payments.
Product: Student loan

XXXX XXXX XXXX XXXX is attempting to collect on a Federal Student Loan and has garnished my wages. Despite the implementation of the CAREs act and a freeze on student loans per the Dept of Education. XXXX claims that they are exempt from the CARES Act passed XX/XX/2020 And with Bidens EO. They have refused to remove the garnishment, and they claim they are exempt from Federal Law and New York State Law and will not remove the garnishment or reimburse me funds that they are attempting to collect. I spoke with multiple managers, and there was no equitable outcome. I have paid off nearly 90 % of the value of the loan and the loan was suspended per Federal Law in XXXX 2020 during the Covid Crisis. The company claims they are only servicing the loan and will not work out a solution nor pull back the Garnishment to comply with Federal law. 

https : //www.consumerfinance.gov/coronavirus/student-loans/
Product: Debt collection

The creditor, XXXX XXXX, has repeatedly called me, sometimes 3-4 times a day, throughout the day. And from various phone numbers. I have said twice to them now that they needed to cease the continuous calling or else I would either report them or seek legal action against them. They chose not to relent and continue on. I'm making payments incrementally, as I am able to. But they are literally the worst Creditor I have ever dealt with. They are venomous. 

They have called me from : XXXX : -XX/XX/XXXX at XXXX and XXXX. 
-XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX and XXXX -XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX, XXXX -XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX XXXX : XX/XX/XXXX at XXXX, XXXX, XXXX and XXXX XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX XX/XX/XXXX at XXXX, XXXX XXXX : XX/XX/XXXX at XXXX, XXXX