23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A collection was placed on all three of my credit reports for a debt I did not know existed. I got insurance through a local agent. Made the first payment. Went back to agency to make second payment a month later where I found an empty building. I assumed my relationship with that business was over. The policy was for my work truck through XXXX XXXX. XXXX XXXX kept the policy opened for XXXX more days without my knowledge. XXXX XXXX did not have my direct contact information. I never made direct contact with XXXX XXXX. I had no idea who my policy was with other than my agent whom I had spoken with often. 

The balance of {$420.00} was placed for collections with CCS. Upon contacting CCS I was told that the only way to remove this from my credit was to contact XXXX XXXX. I offered to pay this amount in full if the report were to be removed from my account because I was never given the opportunity to pay this before it damaged my credit. XXXX XXXX refused payment under those conditions. XXXX XXXX acknowledged no contact was made with me before this account was placed for collections. The phone number they had for me was not mine. The email they had for me is not mine. The address they have for me is an XXXX that I had used. I have not had a permanent address since XXXX. 

I am currently homeless and have worked very hard to build my credit. This derogatory mark on my credit is keeping me homeless and has made all of my hard work building my credit vanish into thin air. I had hoped to buy a home in XXXX. 

What is the upside of me paying this? The damage is done. I just want to pay this and have it not be on my credit. I would have paid this at anytime if I had known about it. My contact information is on my credit report. I could have been easily contacted at any point.
Product: Money transfer, virtual currency, or money service

I have never opened a an account with Bank of America but I received a text mentioning unconfirmed payments with the bank
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate customer service and unfair practices, which violates the consumer financial protection act. Specifically, cash app failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable. Their dispute resolution process was unfair and deceptive, as they do not comply with error resolution requirements under the electronic fund transfer act and regulation e. These actions have caused significant loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I attempted to verify this debt and received an invalid response that did not satisfy original requiest. I originally requested that Target send me a signed contract, instead I recieved a copy of a bill. According to FEDERAL LAW, this creditor had 30 days from the date of my request to validate the debt and they failed to provide requested information concerning this debt. This debt is NOT mine and needs to be removed immediately from my credit report.
Product: Credit reporting or other personal consumer reports

The following companies XXXX, XXXX XXXX, XXXX XXXX, and XXXX have placed accounts on my credit report without first giving me the opportunity to challenge the debt. Also, these collections are reporting as " open '' or " closed '' and should be immediately deleted pursuant to 15 USC code 1681S-2 & 1692G. I have disputed the accounts mentioned with all 3 credit bureaus and they have reported that all accounts disputed have been verified for accuracy. However, the credit bureaus did not provide the verification methods used within the 5 day timeframe. According to FCRA section 605b it is illegal to report information on my credit report without my permission. I will pursue all legal remedy pursuant to 15 USC 1681n ( Civil Liability for Willful Noncompliance ). I am requesting that all collection accounts be immediately removed from my consumer credit report and an updated copy of my report mailed. 

XXXX - Acct # XXXX XXXX XXXXXXXX - Acct # XXXX XXXX XXXX - XXXX - Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Several years ago, after repeated public disclosures of credit breaches, I went to the primary Credit Bureaus and established Credit Freezes. During the process of opening accounts a different financial institutions I was successful at releasing the freezes for a week or so and then having them established. I then had an issue with going online with Equifax to have the freeze opened for a week, and was rejected from the account. After several attempts they totally blocked my IP address and would not let me even attempt to access the account. I eventually reached their data center, and was told to fax my passport and driver 's license, which I did XXXX XX/XX/20 XXXX. After several weeks and no response, I mailed them another follow up confirming the fax with passport and drivers license and asking what more was required ( XX/XX/20 ). What was amazing was the on XX/XX/20 I received a notice ( dated XX/XX/20 and post marked XX/XX/20 ) telling me my security freeze would be lifted from XX/XX/20 to XX/XX/20. I could not believe it. I asked for a name of a person and a contact number to resolve the issue. I never hard from them. 
I have tried dozens of times to contact Equifax, but their systems do not allow me to even register a complaint. I get dumped completely. 
What is interesting is that they do allow you to buy a monthly membership to MyEquifax, for a fee, where they will allow you to talk to a person. The organization that controls the online access to remove freezes is a separate organization and they can only transfer you call, to an automated system that will just kick me off the call. It almost sounds like they are trying to extort a monthly fee to be able to access your personal account. 
What can be done?
Product: Credit card

I sent a letter via XXXX mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXX, XXXX XXXXXXXX This was a request to open a dispute for a transaction with PayPal-Saks made XXXX XX/XX/2023 XXXX the amount of {$610.00} XXXX submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Product: Vehicle loan or lease

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with TOYOTA MTR. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Student loan

I owed a debt when I went to college, I plan to pay the debt but I recently was laid off. I wish to contact to change the terms of my payment plan but I can not get a hold of anyone at Nelnet. Mygreatlakes at least was responsive.
Product: Student loan

In XXXX I secured a loan to finance my daughter 's education. In XXXX Sallie Mae XXXX now operating as Navient ) contacted me to refinance at a reduced interest rate with more favorable terms. The Navient caller assured me that a full accounting of past payments and charges would be submitted to me as soon as possible to reflect my new balance of {$20000.00} as of XX/XX/XXXX. To date this reconciliation has never been submitted to me I have made written requests, phone calls and pleaded for a response. I was told a letter had been sent and requested a copy of this letter. I even offered to pay for the cost of sending it by registered mail. To date - no receipt of such letter from Navient.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the accounts and inquiries listed below be blocked and deleted from my credit file pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), as I have been a victim of a recent data breach. The information relating to these accounts is now compromised, and I am exercising my rights under federal law to ensure they are permanently removed from my credit report. 
The following accounts should be blocked and deleted : 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 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

I submitted a Cease and Desist letter to XXXX and in that letter I stated that stated that as the Original Creditor 15 USC 1692a ( 4 ) That I do not owe the debt. I have made numerous calls to them requesting information on the Original Creditor to whom they claim the debt is owed in accordance to 15 USC 1692g ( a ) 5 they have failed to provide that information despite numerous attempts to have those records sent. I have made several complaints which CFPB refuses to look into despite the many violations of the debt collector and their continuance harassment, threats to confiscate my property and their use of abusive language. I have sent a recession and that was ignored as was all other correspondences I've sent to them. XXXX CONTINES TO SEND XXXX LETTERS ALLEGING THAT I OWE A DEBT DESPITE THE CEASE AND DESIST XXXX IS REFUSING TO ADHERE TO AND ADDRESS THE DEMANDS SET FORTH IN THE CEASE AND DESIST CFPB continues to close this case without further investigation! This is a direct violation of the enforcement authority of your organization : Enforcement Authority CFPB is authorized to conduct investigations to determine whether any person is, or has, engaged in conduct that violates Federal consumer financial law.16 Investigations may be conducted jointly with other regulators,17 and may include subpoenas or civil investigative demands for testimony, responses to written questions, documents, or other materials.18 CFPB may bring administrative enforcement proceedings19 or civil actions in Federal district court.20 The Bureau can obtain any appropriate legal or equitable relief with respect to a violation of Federal consumer financial law, including, but not limited to : Rescission or reformation of contracts. 
Refund of money or return of real property. 
Restitution. 
Disgorgement or compensation for unjust enrichment. 
Payment of damages or other monetary relief. 
Public notification regarding the violation. 
Limits on the activities or functions of the person against whom the action is brought. Civil monetary penalties ( which can go either to victims or to financial education ). CFPB has no criminal enforcement authority. 

16 Sec. 1051 17 Sec. 1052 ( a ) 18 Sec. 1052 ( b ) and ( c ) 19 Sec. 1053 20 Sec. 1054
Product: Debt collection

This item is being disputed I have requested proper verification of this debt, I asked XXXX, and XXXX to disclose documents which contains my signature. They only provided me with itemized documents. Per FTC opinion letter a printout of a bill or itemized documents does not constitute verification. Im asking First Source to provide me with documents bearing my signature and not an itemized printout.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX lost a lawsuit due to illegally charging interests and fees on loans. I was refunded {$1400.00} for part of interest and fee due to their illegal practices. 

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.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX account with over 10 thousand dollars in available credit and over 20 years old is not showing up on my Equifax credit report. It's showing up on XXXX XXXX and XXXX but not Equifax, there is about a XXXX point difference in my Fico as XXXX and XXXX XXXX are only XXXX points apart but Equifax is also almost XXXX points less than XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act my rights have been violated. Allowing a late payment reporting on XX/XX/22 and XX/XX/22 by XXXX XXXX XXXX and XXXX XXXX XXXX  and a late payment reporting on XX/XX/22 and XX/XX/22 by XXXX  XXXX. Under 15 U.S. Code 1681 Section 602 states, there is a need to insure that consumer reporting agencies exercise a respect for the consumers right to privacy. 15 U.S. Code 1681 Section 604a Section 2 also states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Equifax lax security, my PII has been leaked, alojg with all of my credit/financial information.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to formally dispute the reporting of a charge-off account by XXXX  XXXX XXXX Account Number : XXXX, on my credit report. The reported charge-off reflects an amount due of {$XXXX}. I believe this reporting is in violation of federal laws, and I am requesting the immediate removal of this account from my credit file for the following reasons : XXXX. Failure to Issue a XXXX Form XXXX IRS XXXX XXXX when a debt is charged off and considered " canceled '' or " forgiven, '' the creditor is required to issue a XXXX form to the debtor, as this cancellation may be treated as taxable income. In this case, XXXX XXXX has reported the debt as charged off on my credit report but has failed to issue the required XXXX form to me. 

The absence of this form raises questions about the legitimacy of the charge-off reporting and whether the account has been properly processed in accordance with federal tax and credit reporting regulations. Without the XXXX form, the debt has not been properly " canceled '' and, therefore, should not be reported as a charge-off.

2. Violation of 15 U.S.C. 1681-2A ( i ) : Reporting Income on a Credit Report The Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681-2A ( i ) explicitly limits the types of information that can be reported on a credit report. Income or transactions that reflect income, such as a charge-off that may be deemed canceled debt, should not be reported as part of a consumer 's credit file. 

A charge-off that is reported without proper documentation, such as a XXXX, creates an inaccurate and misleading depiction of my financial history. Reporting such income-like entries on my credit report is not only misleading but also appears to contravene the intent of XXXX as XXXX in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems, a private for profit entity, has been providing my personal information and data to other for profit entities without my permission or informed consent.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than four business days after the day of the receipt. I have ATTACHED to my FTC report to this complaint to prevent further stall tact from equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I really do not know where to begin but to start by saying my credit reports are a train wreck. After filling a consumers complaint with the Consumer Financial Protection Bureau ( CFPB ). Things have gotten crazy with my XXXX, Equifax, and XXXX credit reports. 
Now suddenly XXXX has me as my mother 's name and has my real name as an allis name. Equifax has me as another name as well but with a different name, all females names. After filing disputes about them merging my mother 's credit file onto mines, the account has been removed but still showing my mother 's name on my consumer credit file. 
The ( CFPB ) told me that XXXX said, and I quote The company responded that you may have been a victim of fraud. but XXXX  has not told me the same thing that was told to the CFPB, until this date, I still have not heard anything from XXXX. This has nothing to do with fraud but errors that these credit reporting has caused and the only thing they can say is fraud and not taking the responsibility of what they did to me. 
At first, I could not understand why I was been denied credit because from seeing my recent credit reports just last week, I did not see what I am seeing now. I fully understand now, why the FTC says that the FTC study found that about 25 % of consumers had an error on one of their credit reports, and 5 % were paying higher interest rates because of those mistakes. 
Now Equifax is showing an XXXX on my consumer credit report in a different name as well as XXXX is still showing my mother 's name under my social security number. This is again, not fraud, this is their employees merging our accounts together. 
I personally have all of these : Name misspellings ( common when family members share similar names ), Duplicate accounts, Incorrect accounts, Fraudulent accounts, Information or accounts from an ex-spouse, Incorrect payment statuses, Outdated information ( like negative accounts over seven years old ), Incorrect date of first delinquency on a collection account and re-insertion of accounts I disputed and was removed years ago, Equifax. 
It is so amazing to me about what Equifax is doing to me because I just sued them back in 2018 and won. Yesterday I just mailed off my disputes again to XXXX, Equifax, and XXXX, not knowing what I found out today. 
I keep going through this with these credit bureaus, from suing them to filing disputes on constant basic but you would think they would at least try to do the right thing and not be so money hungry. Stop putting your employees mistakes on the consumers.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am requesting the blocking and deletion of certain inquiries from my credit report in accordance with XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ). These inquiries were the result of unauthorized activity and should not be listed on my credit report. 
The following inquiries should be blocked and deleted : Inquiries : 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I initiated a withdrawal from coinbase ( withdrawal reference XXXX ) on the XXXX XXXX XXXX for the sum of XXXX. The money should of cleared in my account by the XXXX of XXXX XXXX but the money seems to have disappeared. 

Several attempts have been made to contact customer support but all attempts have been ignored.
Product: Money transfer, virtual currency, or money service

1 ) XX/XX/XXXX : I submitted online a form to wire transferred {$35000.00} from my saving accounts to a relative 's bank. Both banks are in the USA. XXXX XXXXmy bank : Discover, my relative 's bank : XXXX XXXX XXXX XXXX I live in XXXX the money was meant to be transferred to XXXX. 2 ) The {$35000.00} amount was deducted from my savings account on XXXX XXXX, XXXX, as of today, XX/XX/XXXX Discover can not give me an update as to when my money will be transferred. 3 ) Discover bank said the transfer would only take 3-5 days max. XXXX ) Discover bank called me twice in early XXXX asking to confirm the same information ( my name and social security number ). Every time Discover bank would say that the wire-transfer needed to be approved by the Federal Reserve and they would give me an update in 3-5 days. 5 ) When Discover bank stopped calling me I called 3 times ( in XXXX and XXXX ) to ask for an update and every time they said the same thing : that my wire-transfer was on hold because " they '' needed to confirm my name. I asked where was my money and they first said it was with the Federal Reserve. I asked to please cancel the wire-transfer if that would return my money/ {$35000.00} back to my account and they said that would not happen until the Federal Reserve released the money. 6 ) I called the Federal reserve on XX/XX/XXXX and they said they do not " hold '' the money, and they only take 1-2 days to review and approve wire-transfers. The Federal Reserve said Discover had misinformed me and to contact the CFPB. 7 ) I called Discover on XX/XX/XXXX and they said the same thing again : that my wire is " stuck '' in some government agency and also they asked for my name again asking if I was certain I had provided my full name correctly or perhaps I misspelled it and that is what is causing the delay, which is absurd. They kept me on the phone for 30 minutes with no resolution. The customer representative said he will personally call me this week ( week of XX/XX/XXXX ) to give me an update. However, I have been hearing the same story since XXXX XXXX, XXXX with no resolution.