23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XX/XX/2021, I checked my credit report and noticed a negative mark labeled " Collection '' added by TAB Services. The " Original Creditor '' was labeled as " XXXX XXXX '' which is a suspiciously vague name. I immediately sent a letter to TAB Services using the address listed on my credit report requesting formal validation of debt ( see Exhibit A ). 

On XXXX XX/XX/2021, I received a letter from TAB Services in response. However, the letter only provided a limited amount of information from my written request. The information provided could have been manufactured by anyone. There was not enough information to determine whether this debt was legitimately mine and whether this company has the legal right to collect this debt. ( see Exhibit B ) On XXXX XX/XX/2021, I mailed a second envelope to TAB Services containing two letters ( see Exhibit C, Exhibit D ). 

In these two letters, I requested the missing information from my initial validation letter including the method of verification used by TAB Services. 

I received no response from TAB Services and on XXXX XX/XX/2021, I checked my credit report and found that the balance was updated by TAB Services on XXXX XX/XX/2021. 

My request for proper and complete debt validation is my legal right and it's being ignored by TAB Services. 

This collection must be removed from my credit report unless TAB Services can provide complete validation of the debt.
Product: Credit reporting

I received an alert on my credit report with the XXXX credit bureau XXXX XXXX and XXXX and notice incorrectly information on my correct report. I have contact the original creditor and they do not have my information into their system so this collection needs to be deleted off my credit report ASAP.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) du to inadequate customer service and unfair practices, which violate the Consumer Financial Protections Act ( XXXX ). 
Specifically, Cash App Failed to take timely and effective measure 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 ( XXXX ) and Regulations XXXX These actions has cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX called me on XX/XX/2019 from the number XXXX. She indicated that she was an attorney working for the American Acceptance Law firm and that I owed her over {$4000.00} for debt and legal fees for an account with XXXX XXXX XXXX. I have never had an account with this bank and this debt is not mine. She somehow had my Full SSN and threatened release it. She also informed me she would be contacting my employer to garnish my wages. When is started asking for details she told me that she could drop the legal fees if i would pay her the amount of {$360.00} now over the phone. Again i told her this is not my debt and I will not pay. She then told me I had been " served '' and she will reach out to my employer to garnish my fund for the full amount in excess of {$4000.00} amount and hung up on me. I looked into the company and this is not a law firm but an LLC. They are not licensed in the Stare of Florida rather the state of Colorado. This seems like a scam to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$16000.00} ; XXXX  XXXX XXXX .... Balance : {$450.00}
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that there are collection accounts listed that do not belong to me. Consumer reporting agencies have an important responsibility to report information with maximum accuracy. I do not owe anyone, and I have included a screenshot with this complaint regarding XXXX XXXX. 

Please investigate this matter and provide proof, including statements verifying the collection accounts. If you can not provide such proof, I demand that these items be removed from my credit profile immediately. 

Thank you! Please see the attached screenshot.
Product: Debt collection

I Did an home improvement loan thru Well Fargo with a no interest for 18 month. Since that time i became unemployed and disabled.I ask for an extension with no reply. Then at the end of 18 months i was hit with a XXXX interest charge on the full amount of the loan and not the balance. So instead of a {$2000.00} balance I was hit with XXXX balance. Now they are informing me since the loan was not paid in full this became their policy. Thru researching I found this is a common tactic of Well Fargo. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to public records. They agreed to the terms of XXXX  back in XXXX. I have submitted to them proof that they continue to keep bankruptcy on my record that they say was verified by a third party which is inaccurate according to that party. 

They also, for whatever reason refuse to delete an account that is a legal matter. This company is a debt buyer and chose to have ligation on this account. A judgment was entered then this company broke the payment arrangement. Said company then continues to verify this information as accurate and pull hard inquiries on my report for no authorized or valid reason. Since this company lists the account as collections from over two years per the updated laws passed by Congress in the FCRA it should be deleted. 

Documents have been provided to this company via mail and electronic delivery. I submitted this information in accordance with the XXXX  agreement; also, it goes against the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX : Date opened is inconsistent. High balance is XXXX with XXXX and XXXX with XXXX and Transunion. Payment status with XXXX is current. XXXX is " Paid, was past due 30 days. '' Transunion is paid as agreeed. Date of last activity is XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX, and XX/XX/XXXX with transunion. This account has never been late. UPDATE PAYMENT HISTORY TO NEVER LATE. 

XXXX XXXX XXXX XXXX : Company provided no validation per request on XX/XX/XXXX.. XXXX reports account as collection while transunion reports it as open. XXXX reports account status as " XXXX ''. XXXX lists the original creitor as XXXX XXXX XXXX. Transunion reports " Medical '' I did not give permissible purpose for this to be on my credit report. Please delete immediately. 

XXXX XXXX XXXX XXXX : Company provided no validation per request on XX/XX/XXXX.. XXXX reports account as collection while transunion reports it as open. XXXX reports account status as " XXXX ''. XXXX lists the original creitor as XXXX XXXX XXXX. Transunion reports " Medical '' I did not give permissible purpose for this to be on my credit report. Please delete immediately. 

XXXX XXXX XXXX XXXX : XXXX lists account as collection while transunion reports account as open. Last activity is inconsistent. XXXX reports XX/XX/XXXX and Transunion reports XX/XX/XXXX. Company failed to respond to validation request on XX/XX/XXXX. Please delete immediately. 

XXXX XXXXXXXX : validation was requested on XX/XX/XXXX. I did not receive any correspondence from company. Date of last activity is inconsistent. XXXX and Transunion report XX/XX/XXXX. XXXX reports XX/XX/XXXX. Please delete immediately. 

XXXX XXXX XXXX XXXXXXXX : Account was disputed on XX/XX/XXXX. There was no notice of dispute entered on account. Payment status is inconsistent. XXXX and Transunion reports pays as agreed, but XXXX reports 60 days late. Date of last activity is wrong. XXXX reports XX/XX/XXXX. XXXX reports XX/XX/XXXX. Transunion reports XX/XX/XXXX. Please update my payment history to PAANL status ( Paid as Agreed, Never Late ) XXXX XXXX XXXX : Account was disputed on XX/XX/XXXX. I have no recolection of this account. I asked for verification from them. They did not respond. They also did not enter a notice of dispute. Please delete immediately. 

XXXX XXXX XXXX : this account was disputed on XX/XX/XXXX. The account has never been late. They did not investigate. They did not enter a notice of dispute. Please update my payment history to PAANL status ( Paid as Agreed, Never Late ) XXXX XXXX XXXX : This was disputed on XX/XX/XXXX. I received no response. This is an unknown charge. Please delte immediately.
Product: Student loan

NAVIENT has been batch-denying school misconduct discharge applications to XXXX XXXX XXXX XXXX XXXX XXXX the fact has been proven in multiple instances in the legal system ). 
After getting a denial with a generic email message, I contacted the Office of the Customer Advocate at NAVIENT, requesting concrete reasons for the denial and allowing an appeal of the decision. The response was a letter stating the same generic message/reason for denial. 
The letter provides a " direct phone number '' to the Advocate, XXXX XXXX, but when I call, the extension number provided does not work, and the call is diverted to Customer service. The call always seems to be next in the queue with a 3-minute wait. However, the call never gets connected to anyone.

The Advocate Letter seems to mock people trying to solve an urgent financial matter by providing non-sensical responses to the applications and not allowing appeal or a way to solve the matter. NAVIENT is showing zero concerns about solving proven school misconduct cases, denying most applicants. ( we are organized and keep information flowing ). 
Navient states that I do not meet the requirements for discharge based on misconduct by XXXX XXXX, notwithstanding the multiple Judicial Sentences proving engagement of the XXXX XXXX in school misconduct, which resulted in the discharge of federal loans of ALL XXXX XXXX XXXX whether they were class members of Borrowers Defense or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX A late payment showed on 4 of my XXXX student loan accounts and credit reports. On XX/XX/XXXX, I called to let the company know that I had no late payments on my student loans. On XX/XX/XXXX, I again contacted the company to remove the late payment. The company advised me that there is nothing that they can do to remove it. 
I also contacted the 3 credit bureaus Experian, XXXX  and XXXX to remove late payment to no avail.
Product: Debt collection

This is a debt that I do not owe. I have been trying for years to obtain proof of this debt, but they refuse to provide it. They continue to harass me, my spouse, my family, and my friends. Now they are telling people that they are coming to my house to serve me with " papers ''. I have asked them to cease communication with me and my family/friends. I have made a complaint through the FTC and the Illinois Attorney General Office. I spoke with a gentleman at  XXXX   XXXX   XXXX   XXXX  who said that they do n't care if we make complaints, they will continue to harass us. He was verbally abusive to me and my family/friends. I do n't know what to do to make this stop. Please help.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries and credit on my credit report that has nothing to do with me.I have done a XXXX report and I feel as if i am being taken advantage of from Transunion, XXXX and XXXX.
Product: Vehicle loan or lease

Us auto sales went out of business and west lake portfolio took over the loans. I've paid off one of my vehicles and west lake says I still owe XXXX on it after I paid it off before us auto sales went out of business.. then I have another vehicle from us auto sales and I've paid XXXX  payments and west lake says I haven't made one payment and they say I owe XXXX XXXX So in my mind I just waisted over XXXX and I don't know what to do
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report from the three major credit bureaus. In accordance with Federal Law, I exercised my right to dispute negative items off of my credit reports and received no response. I was very specific pertaining to the corrections that need to be applied to ensure the accounts on my  reports are 100 % accurate and 100 % verifiable, and they have ignored and/or overlooked my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. I need financing for a car and this inaccurate report is hindering me. As the consumer I demand the following accounts be removed from my credit report immediately. In addition I demand to have a copy of my updated consumer report once the following changes have been made.
Product: Debt collection

This company called looking for XXXX. I dont know a XXXX but I do have a son named XXXX. They said it was a personal business matter and insisted that I pass along the information and read back the phone number to them. By the time I realized that this was a collection agency calling me about someone elses issue. And by telling me the name of the company they disclosed the nature of the personal business. Anyway. There you have it. They have no business calling me and Im not sure how they got my number, Ive blocked them. 

SIMM associates is a scam the number they called from XXXX doesnt even match the number she gave me. So ... is she just a thief or a con artist? 

Thanks -
Product: Credit reporting or other personal consumer reports

I am reaching out to formally report and address ongoing fraudulent activity affecting my credit. For a long time, I have been a victim of identity theft, and despite my continuous efforts to monitor and secure my information, fraudulent accounts and unauthorized addresses keep appearing on my credit report every few months. 



As of now, there are XXXX negative accounts listed under my name that do not belong to me. These accounts include, but are not limited to : American Express XXXX XXXX XXXX Bank XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Additionally, my credit report consistently shows addresses where I have never resided, further indicating fraudulent activity. This situation has severely impacted my credit standing and caused significant stress. 



I kindly request your assistance in : XXXX. Investigating and removing these fraudulent accounts from my credit report. 

XXXX. Blocking any further fraudulent activities linked to my personal information. 

XXXX. Providing guidance on additional steps I can take to prevent further identity theft.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT!! 

Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXXXXXX # XXXX XX/XX/XXXX - Balance : {$340.00} UNAUTHORIZED INQUIRIES : XXXX XXXX NA XX/XX/XXXXXXXX XXXX  XXXX NA XX/XX/XXXXXXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXXC XX/XX/XXXX XXXX  XXXX NA XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a response letter dated XX/XX/18 back from Equifax, stating that the bankruptcy was verified through XXXX and that it is accurate, XXXX has deleted bankruptcy from my account, as well as XXXX. The bankruptcy courts do not report to the credit bureaus, and I also sent documentation of this as well.
Product: Credit card or prepaid card

I am an Amex Platinum card holder since XXXX. Sometime earlier this month I was informed about a new Delta Skymiles Amex gold card promotion which waived 1st year fee and XXXX Delta miles after charging {$1000.00} in 3months. The promotion was relayed to me when I asked to exchange the airline incidental fee reimbursement from Delta to a different carrier I was convinced to apply ( XXXX XXXX, XXXX ) for new card and was approved for a new card on application submission. I received the new card a few days later. 
I started to make qualifying charges of several hundred dollars. 
This morning I called Amex when I noticed the new card had a different Skymiles number than my current Delta number. When I called Amex to combine my 2 Skymiles accounts and I asked for update of my total points and when the promotional points would be available to purchase a new airline ticket.. 
It was at this point ( XX/XX/XXXX ) I was told that I am not eligible for promotion because I had closed the Delta card a few years ago. Amex could not/would not provide me any details of the previous account that disqualified me for current promotion. If I knew or had seen terms I certainly would not have applied for the new Skymile card and would not have to combine 2 accounts and would have accumulated bonus points on my Amex Platinum card. This appears to be a variant of a classic bait and switch of the promotion,
Product: Debt collection

After reviewing your letter and several disconnect which you have presented in your last letter. I have demanded for facts and you have instead relied on hearsay without evidence. The account is # XXXX and the unverified amount you are demanding is {$320.00}. 

First, I have no contract with XXXX and no agreement has ever existed. XXXX has never presented any agreement or claimed any contract exist. Please be advised this is my Third Written request and warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section XXXX and section XXXX regarding your continued willful and negligent noncompliance. Despite two written request, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. 

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and correct. As at today, XX/XX/2018, nothing shows on my credit this debt is disputed which is a clear violation of the 30days period. Furthermore you have failed to provide the method of verification as required under section XXXX XXXX a ) ( XXXX ). Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which you can not be verified. The law is very clear as to the XXXX liability and the remedy available to me ( section XXXX & XXXX XXXX if you fail to comply with XXXX XXXX. I hereby request for the details and the information of the person in your company to send the law suit to resolve this issue in court. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. 

I repeat and request you to provide me the address of the person to send the law suit to be in court.
Product: Credit card or prepaid card

Went online to try to make a purchase for airline tickets XX/XX/XXXX, I was re-directed to another site. Once I noticed the site was not the correct website I backed out of the transaction. I immediately contacted Citibank and asked them if there was a hold on a transaction. The Customer Service representative advised me it was and no name or phone number was attached to the pending charge. I explained I was re-directed to a site that did not appear to be safe. The Customer Service Representative from Citibank advised me not to worry and the charge will not process to my account and another card will be issued and to a note will be attached advising of my issue. I called Citicard again to confirm and to see when the new card would be issued which was on XX/XX/XXXX and was advised my card was on the way. I made a purchase with the card with another merchant who immediately provided my confirmation of my purchase. On XX/XX/XXXX I received a letter from citicard with forms attached in regards to the merchant What 's Cheap. I signed the paperwork and mailed it back. I received another letter from Citicard on XX/XX/XXXXadvising me my dispute was overturned. I asked for a copy of the confirmation email from the merchant and proof of purchase, I called citicard on XX/XX/XXXX and was advised I can fax a letter to XXXX per XXXX ( see attached ) I called again on XX/XX/XXXX and was advised my fax was received per XXXX. I called again on XX/XX/XXXX I called per XXXX I need to write to the office of the President at XXXX XXXX XXXX XXXX ID XXXX escalated to a Supervisor XXXX and was told the Office of the President did not have a fax and to mail in the complaint. I have been getting the run around and I have fraud protection on my account. I can not contact the merchant since no phone # exists on the site you can only email. I have copies of other people complaints with the same merchant arguing this is a fraud company. I can not get this resolved with Citibank. Please assist. What 's cheap would not be a site I would ever make a purchase with and did not authorize this charge to my account. I did not authorize this charge to my account this is a fraudulent merchant and charge.