23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently reviewed my XXXX  and XXXX  credit reports and noticed collections on my credit report. The following are the collections : Transworld System Inc -- Original Creditor, XXXX XXXX XXXX in the amount of {$660.00}. On XX/XX/2021 I sent them a certified letter requesting removal of this account because they violated the Fair Debt Collection Practices Act. This account has not been removed and I haven't received any response from them. 

XXXX XXXX XXXX - for {$660.00} and {$170.00}. On XX/XX/2021 I sent them a certified letter requesting removal of this account because they violated the Fair Debt Collection Practices Act. This account has not been removed and I haven't received any response from them. 

XXXX XXXX for {$89.00}. I have disputed this account with the credit bureaus on several occasions.
Product: Credit reporting or other personal consumer reports

I have filed a dispute with all 3 credit bureaus about information being incorrect on my credit report which includes name address collection companies. I also informed them that I received a data breach letter from the XXXX informing me that my information such as my name address and social had been used by an unauthorized party. I have tried for years to dispute incorrect information reporting on my credit report. I was effected by XXXX  and was sick never hospitalized. And was burnt out from so many attempts and at no point up to recently someone finally said file a dispute at the XXXX, I am a XXXX not sure of alot of things. I dint know what to do until now can you please help me
Product: Student loan

I have a large college loan through Navient. When I came upon financial hardships, they never offered me a re-payment option. Instead, I was told that I could put it off and if I was lucky, I would n't have to pay for 25 years and could just write it off on my taxes. Needless to say, there would be a huge penalty for doing that. 
Nobody has ever tried to assist me on this, the information was not presented in a clear manner and I am frustrated. 
I feel as though the company is only interested in how much money they can earn from my hardships.
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith. Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity.Pursuant to the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to investigate and correct errors on credit reports. 


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

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX Balance Owed : {$380000.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; DPT EDXXXX XXXX Balance Owed : {$43000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$4600.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$4800.00}.
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. 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 and regulation E. these actions have cause significant inconvenience and financial lost, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian All credit error all should be deleted. 

XXXX XXXXXXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX / XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX - XXXX Reported : XXXX. XXXX, XXXX {$3200.00} Closed XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Credit Union XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$750.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$15000.00} Needs Attention I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies. 

" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( Mo ) 281 SW 715, 719, 1 may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. '' Please verify the debt as required by the Fair Debt Collection Practices Act.

Engelhardt V. Gravens ( Mo ) 281 SW 715, 719, 1 may presume that no proof of the alleged debt,
Product: Credit reporting or other personal consumer reports

i have called Transunion multiple times and requested. these inquires be removed. every other credit bureau has already removed them but Transunion has not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My identity was stolen and used for goods Ive spoken with Experian they refuse to help me and Im gon na keep making complaints every days until the false information is taken off my report I was denied for a apartment because of this outdated experian report.
Product: Prepaid card

I received an American Express gift card for XXXX. I tried to use it online for a purchase of XXXX and it was declined. I was able to use it after a few tries at different online vendors to add XXXX $ to my XXXX account, but after that transaction, the card is declined everywhere I try it. There's XXXX left on the card that I can not use at all.
Product: Debt collection

According to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, XXXX XXXX XXXX is engaging in said violations of latter federal statutes. XXXX XXXX XXXX  did not provide within 30 days of their notice of alleged debts that alleged occurred on XX/XX/2016. There is no itemized receipt that was produced within the afforded time frame of 30 days, nor any evidence that I owe any money to XXXX XXXX XXXX. Thus I hereby refute the validity of this collection attempt, as null and void. This company needs to cease and desist and not communicate with me again on a debt I do not owe.
Product: Credit reporting or other personal consumer reports

Good evening, I'm writing to you because Equifax is breaking the FCRA laws. 
I was a victim of Identity Theft and I have shown them an overwhelming amount of evidence to prove that these accounts were not opened by me.

They always say something different or give me the run around.

They deny my block of Reporting Identity Theft accounts because they claim to have verified the information with the furnisher but haven't sent me a detailed description of their procedures which breaks FCRA 611 - 15 U.S.C. 1681i.

These accounts were the only thing holding me back from obtaining a loan to save myself eviction.

There are so many violations and it just isn't fair!

I should get some type of compensation for this because Equifax clearly is just getting away with too much. 
Please make sure you deal with them promptly. I have attached my recent letter to Equifax asking for proof and even discrediting their investigation and still they deny it. 
Please help me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is not updating every month as it should be. I have not received an update on my experian credit report in over 3 months. Every other company show me updated items and scores every month except experian
Product: Debt collection

Genesis FS Card services through XXXX XXXX immediately starts calling XXXX XXXX  when you are past due on your payment. They call from a bunch of random numbers. They call as early as XXXX AM and as late as XXXX PM. They call at least XXXX times a day. They are calling my business line and my personal line. They call so much they are knocking important numbers out of my phone that I barely get a chance to save. NONE of my creditors call 1 day past due. XXXX days I get that. But as much as they call. I block numbers and they call from other numbers. They will even call from a number thats in the area you live in to try to get you to answer a call. XXXX over sick of this. I am currently 5 days passed my due date and they have called at least XXXX times already. I will never ever do XXXX with any of these XXXX  again.
Product: Credit reporting or other personal consumer reports

On multiple occassions during the year XXXX I requested this account to be updated with correct information, and or delete this account because it is not mine. 


1. XXXX XXXXXXXX XXXX Account : XXXX AND, 2. Date/Time Stamp ; Provide original evidence and or source of the data ; include Company, Contact Name, address, & telephone. 

FCRA : FCRA 616.Non Compliant. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

I submitted a dispute with Experian thats reporting late payments on my account. I have proof of the inaccuracies. Experian did not take the time to properly investigate this issue which should be at least ( 30 ) days. I got a response back from them in 2 days stating that the late payment account was verified. They did not properly investigate my dispute.
Product: Credit reporting or other personal consumer reports

I received a 30 day late status on my Credit report with all XXXX Bureaus. I was never Late on my Capital One Credit Card, I have been a loyal customer for over 5 years. In fact, I spoke with the Creditor and supervisors about this situation on several occasions. I also explained to the representative that I will be recording the conversation for my own records. The creditor admits the Late fee is an error and even refunded the {$40.00} late fee on XXXX XXXX. I included my bank statements as proof from the creditor the 30 Day XXXX in XX/XX/year> is Paid as Agreed. XX/XX/year> thru XX/XX/year> statement shows {$340.00} mobile online payment was paid on time and the {$40.00} late fee was refunded. Then in the next bank statement XX/XX/year> thru XX/XX/year> shows the minimum payment was {$340.00} however, I paid {$800.00} on time and the {$40.00} late fee was also reversed. I have reached out to the creditor to contact the bureaus to update this error but I have not heard from the Creditor or the Bureaus in over 30 Days. However, when I check my Credit Report it is showing the investigation is complete but I never received any investigation results in the mail at my Current address they have on file. I thank you in advance for your help in resolving this matter. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I submitted a request to both XXXX and Equifax requesting that they remove inaccuracies from my credit file with them. The credit file shows the following " Public records concern legal matters associated with you and are gathered from courts and government agencies. '' and that the " US BKPT CT NY XXXX '' shows a " Bankruptcy chapter XXXX-discharge. '' However, per the bankruptcy courts, they do not report such information to the credit bureaus. XXXX has already done the right thing and removed this inaccuracy from my file so i dont understand why equifax and XXXX  continue to harm my ability to obtain credit. 

All I request is they remove these items from my report immediately as this is inaccurate per the reasons stated above.
Product: Debt collection

on XXXX XXXX a default judgment was entered against me for a credit card. When the default judgment was entered interest of {$2000.00} was added to the judgement for a time period that the company did not own the account the credit card account was charged off inXX/XX/XXXX interest was charged from XX/XX/XXXX I seeked the courts to intervene on this matter and because the judgment was already entered and time had passed the judge was unable to overturn this I am now having to pay interest I never owed to this collection company that has broken the fair debt collection act ( FDCPA ) thought its practice of retroactively imposing post charge interest on consumers debt. i am asking for assistance I have tried to settle the account which they refuse to do unless I pay 85 percent of the debt in full. Please help stop this creditor from predatory collections on monies they are not owed.
Product: Credit card or prepaid card

During the rise of the pandemic Covid-19, I was told according to the forbearance program that I would not be at fault for not making my payments. I lost my job due to the pandemic and struggled with getting another source of income. I am submitting this complaint due to having missed payments reported to my credit card for the months of XXXX and XXXX.
Product: Debt collection

Dear CFPB, I am submitting a formal dispute regarding an alleged debt reported by Jefferson Capital Systems LLC on my credit report. I request assistance in ensuring that the creditor or collection agency provides proper validation of this debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). 

The details of the account in question are as follows : Creditor/Collection XXXX Name : Jefferson Capital Systems LLC Account Number : N/A Amount in Dispute : {$750.00} Request for Validation I am requesting that Jefferson Capital Systems LLC provide the following information to validate their claim of ownership and the accuracy of this debt : 1. A copy of the original signed agreement or contract that establishes my obligation to pay this debt.

2. Proof of their legal ownership of the debt, including the full chain of title and an assignment contract demonstrating their authority to collect on this debt.

3. A detailed accounting of the debt, including the original balance, any fees, interest, and other charges added.

4. Documentation verifying that the debt is within the statute of limitations.

Without this documentation, I believe this account has been wrongfully reported to the credit bureaus and request its immediate removal if it can not be validated.
Product: Credit card

I got a letter from Bank of America on XX/XX/2024, that they decided to close my account on XX/XX/2024. They are keeping {$580.00} of rewards in cash back that I earned. Ive 2 accts : XXXX & XXXX
Product: Credit reporting or other personal consumer reports

I kindly request XXXX XXXX XXXX account with a monthly payment of XXXX be removed from my credit report.Currently, this account is undergoing arbitration proceedings as there are several issues surrounding this account, and it is essential that each bureau continues to be in compliance with the law and that all reasonable efforts are made to verify the accuracy of the information before permitting its reporting. In accordance with the Privacy Act of 1974, as well as the the Fair Credit Reporting Act ( 15 USC 1681 Section 602 ( a ) ), which underscores the critical need to ensure that consumer reporting agencies fulfill their substantial responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy. XXXX and Experian are recognized as consumer reporting agencies, while I, as the consumer, retain the fundamental right to protect my personal information. 

This right is reinforced by 15 USC 6801, which establishes the congressional policy that every financial institution maintains an ongoing obligation to uphold the privacy of its customers and safeguard the security and confidentiality of their nonpublic personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to XXXX  to investigate and remove these in accurate items from my credit report on XX/XX/2021 and have yet to get a response from the and none of the items on my report have been removed either and these items are impacting my report negatively and are keeping me from moving forward in life at this point so I need them removed since the FCRA clearly states if any items can not be verified within 30 days they must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute with XXXX Report # XXXX on XX/XX/2022, to remove the 20 different names from personal information. I only have one name XXXX XXXX XXXX and I don't want any other aliases because that allows the opportunity for fraud. I have requested several times and they deny it based on that that personal information does not impact my credit score. I believe it affects on my stability. I also explained that I have no access to my previous and if anyone sends mail to those addresses I will not receive them. And if anyone says mail to those addresses I will not receive them. 

This situation is giving me tremendous XXXX I'm feeling XXXX over it. I feel that I don't have any control. I can not sleep at night thinking about it. 

I need help contacting this company to remove information that is not true or correct. I send them my license and social to prove who I am. But they doing whatever they want. 
The address I used to write them. 
XXXX XXXX  XXXX : XXXX Assistance XXXX at XXXX XXXX  XXXX, XXXX, TX XXXX
Product: Mortgage

BBVA Compass is not following FHA 2016 guidelines, therefore consumers are being cheated and priced out of the home buying market due to its miscalculation of federal student loan monthly payments. It is calculating Income Based Repayment ( IBR ) the same as deferred student loans and states even if there is a $ XXXX monthly payment on the statement and on the credit report, this 2 % rule applies. BBVA Compass is determining monthly payments by calculating 2 % of the student loan balance. This is very unfair to consumers and goes against FHA guidelines. When confronted with this shocking revelation, I asked to speak with a supervisor and was transferred to a supervisor in XXXX, TX. He was very combative and argumentative, insisting that FHA guidelines states 2 % of the student loan balance should be used when determining monthly payments for IBR even if both the statement and credit report state a $ XXXX monthly payment.
Product: Credit reporting

Equifax changed the name on my credit file after XXXX fraudulent credit application. The name used on that fraudulent application was incorrect and not a verified alias. They refused to change it back to the correct name when I reported the identity theft to them unless I submitted a copy of my social security card, but did not offer a secure way to do that. They informed me that if I applied for credit using my correct name they could change it back, but a valid police report was not acceptable to fix it. The person that fraudulently used my social has continued to open accounts and even accessed my existing accounts. I believe this theft may have been unintentionally aided by the incorrect information at this major credit reporting agency. I have not been made aware of Equifax doing any sort of investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Equifax failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
1. XXXX XXXX XXXX XXXX Balance : {$6000.00} 2. XXXX XXXX Balance : {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I just became aware that this debt with XXXX XXXX XXXX is still showing as a " collection '' item in my XXXX  and Transunion credit report. I am trying to purchase a house and this incorrect reporting on my credit report is drastically affecting my rate. I never received a notice that the account with this creditor was in default nor that I had a missing payment. I never admitted that this collection account was mine, nor am I admitting that here, but I did however pay this collection account in full in XX/XX/2019. The creditor/and collection company agreed to remove the collection account off of all my credit reports ( XXXX, XXXX, and TransUnion ) if I paid them the full amount they were asking. I did pay them the full amount they were asking, but they never followed through on their end to remove the account from being marked as a collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not try to receive any credit card or do any increase. Nothing to do with XXXX XXXX, please fix this inquiry on my Report!