23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018 I received a phone call from " The XXXX XXXX '' in Nevada stating that I was going to be taken to court if I did not pay {$960.00} for a US Bank debt from XX/XX/XXXX that then went into default in XX/XX/XXXX. I have no idea what this is from. Regardless, I asked repeatedly on the phone for them to email me this information or to send it to my current address ( which they did not have ) via US mail. They refused and stated that I had 5 days to pay this or it would go into a XXXX XXXX and then I would owe {$1600.00} and then if I didn't pay that I would owe over {$3000.00} because it would then go to court. 

They stated twice that they tried to summon me at an address that I had had mail delivered to ( a friend lived there ) when I was younger and traveling. I have not had anything to do with that address for 15 years. 

If I owe the money, I will pay it. However, I want to see it in writing so that I can verify it. This XXXX XXXX refused to send me anything in writing.
Product: Credit reporting or other personal consumer reports

I HAVE 22 DISPUTES WITH TRANSUION AND THEY STILL DON'T TGET THE INFORMATION CORRECTED. 

XXXX XXXX IS CLOSED SAYS I AM CURRENTLY IN GOOD STANDING WITH MONTHLY PAYMENTS NO MONTHLY PAYMENT AMOUNT GIVEN SHOWING LATE PAYMENTS THAT ARE OUT BY TIME IF I WAS MAKING MONTHLY PAYMENTS WHY IS THE BALANCE STILL THE SAME AFTER 5 YEARS. AND THE BALANCE NEVER LOWERS WHY ISN'T THERE A MONTHLY PAYMENT AMOUNT GIVEN I CALLED TRANSUNION AND THE GUY PUT ME ON HOLD LEFT ME THERE AND THEN HUNG UP ON ME. THESE CREDIT BUREAUS ARE PURPOSELY DESTROYING PEOPLES LIVES AND NEED TO BE SUED AND HELD ACCOUNTABLE FOR PROVIDE FALSE INFORMATION. 

THIS IS MY 24 TH DISPUTE AND XXXX AND TRANSUNION STILL CAN'T GET IT RIGHT! 

ACCOUNT IS CLOSED NOT MONTHLY PAYMENT LATE PAYMENTS OUT BY TIME AND NOT TRUE BALANCE NEVER CHANGES IF I WAS MAKING MONTHLY PAYMENTS YOU GUYS NEED TO QUIT LIEING AND PUTTING FALSE INFORMATION ON MY CREDIT REPORT AND TAKE THE XXXX OFF OF MY REPORT OR GET SUED. THE CREDITOR IS LYING TO YOU BUT YOU ARE TOO STUPID TO EVEN TO MAKE IT MAKE SENSE. THAT IS HOW I KNOW YOU ARE NOT PROPERLY INVESTING OR TELLING THE TRUTH
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Experian for Credit Reporting Violations Account Number : XXXX Creditor : XXXX XXXXXXXX XXXX am submitting a formal complaint against Experian for reporting inaccurate and inconsistent information on my credit report regarding account # XXXX. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), specifically the requirements for accuracy and proper investigation of reported data. 

Summary of Issues with Experian Incorrect High Balance : Experian inaccurately reports the High Balance as {$0.00}, which is inconsistent with the account balance of {$120.00}.

This violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy.

Missing Closed Date : Experian fails to report a Closed Date for the account, which is critical for understanding the account 's history and status. 
This omission misrepresents the accounts status and violates the same accuracy standards under the FCRA. 
Inconsistent Date of Last Activity : Experian reports the Date of Last Activity as XX/XX/year>, which conflicts with verified activity on the account.
Product: Student loan

I'm pretty sure I was being scammed. A third party ( XXXX XXXX ) contacted me about my federal student loans, not my servicer ( XXXX ) but they said they would reduce my payments and help me qualify for forgiveness if I made sure not to miss any payments, and paid an initial balance of $ XXXX/month for the first five months. I thought they were related to XXXX because they knew how much I owed and what types of loans I had. I ended up giving them two of my paystubs, my debit card info, and my SSN. They had me sign a POA form. I became suspicious because I'm still in my grace period as a recent graduate, and I was complaining about it to my coworkers who said I was probably getting scammed. On XX/XX/XXXX, XXXX XXXX pulled {$190.00} from my checking and told me this would not go towards my principal but towards the people servicing my loan. Today, XX/XX/XXXX, I contacted XXXX and requested additional security to prevent other people from accessing or altering my account. They confirmed that no payments or changes had been made to my account. I contacted my bank to cancel my debit card. I also contacted docusign express directly to cancel my account and request a refund.
Product: Credit reporting or other personal consumer reports

I previously filed for some accounts to be disputed. I am requesting the disputes for the accounts listed below be halted immediately as well as I am requesting that the remarks be removed on these accounts as well. - XX/XX/XXXX
Product: Credit card or prepaid card

Capital one pulled money from, my checking account without my authorization. I called Friday, XX/XX/XXXX when the transaction was pending in my checking account and was advised they did not " see anything pending '' on my account. I recived an email XX/XX/XXXX stating the payment was post to my account.
Product: Bank account or service

Hello, I received a targeted mailer in the mail ( See enclosed attached Pic # 1 ). I opened a Citigold Checking Account with that promotion ( See enclosed attached pic # 2 for promo disclosure ) for XXXX AAdvantage Miles after spending {$1000.00} on the debit card and completing XXXX bill pays in 2 consecutive months. The promotion code was XXXX. I called Citigold Customer Support and confirmed that I was eligible for the promotion before opening the account, and then after opening the account I confirmed that my account was eligible for the promotion. After completing the requirements, I contacted Citigold through a secure chat and confirmed that I had completed the requirements and that the miles would be posting to my account ( See enclosed attached pic # 3 ). The rep responding confirming that I have met the requirement in detail ( See enclosed attached Pic # 4 ) and said I will be getting my miles 90 days ( XXXX/XXXX/2016 ). After XXXX XXXX came and went, I contact Citi again to ask when the miles would post. They placed an inquiry request on my account to look into it, and I was then notified that my account was not targeted and I would not be receiving the promised miles ( See enclosed attached Pic # XXXX ). I believe Citi should honor the promotion they promised, since I was targeted, confirmed with Citi that I will be receiving the miles, then did n't. This was a very frustrating and harrowing experience for me, and Citi should remedy this.
Product: Debt collection

On XX/XX/2024 I received a email from I.C. SYSTEM stating that I owed a balance of {$670.00} and that they were trying to collect it as debt. Ive never had a relationship with XXXX XXXX and my consumer report now reflects that I have a delinquent account. According to law 15 U.S.C. 1692g ( a ) ( 3 ), it states, unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt... the debt will be assumed to be valid by the debt collector. I have not responded to either companies and now have delinquent account ( s ) on my credit report as of XX/XX/2024.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Experian regarding its failure to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigations of disputed information. Despite multiple attempts to resolve inaccuracies on my credit report, Experian has failed to correct or remove unverified accounts, leaving these inaccuracies unresolved1. 

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, alleging systemic issues with the company 's handling of consumer disputes. The CFPB claims that Experian conducted " sham investigations '' and failed to properly investigate disputes, resulting in incorrect information remaining on consumers ' credit reports2. This has significant implications for consumers ' access to credit, employment, and housing. 

I urge you to take immediate action to address these inaccuracies on my credit report and ensure that Experian complies with its legal obligations under the FCRA. I also request that you provide a detailed explanation of the steps you will take to rectify this situation and prevent future occurrences.
Product: Consumer Loan

I currently have a " flex loan '' with advanced financial based in XXXX, TN, I am currently in the XXXX XXXX and have been for 7 years. I have called and emailed the company asking them to reduce my APR to 36 %. They have failed to do so. My loan was for XXXX and currently with all the fees they want me to pay back over XXXX they are trapping me in debt. How am I supposed to pay this back when they prey on me. This company needs to be investigated for fraud and abuse. Please Help
Product: Debt collection

Regarding XXXX On or around XX/XX/2019, i received a notification from all 3 credit reporting agencies that The Best Service Company reported an item onto my credit for a collection in the amount of {$2200.00} ( per XXXX ) this item reflects XXXX XXXX as the lender / creditor. I attempted to dispute this item as i have not had any accounts with XXXX. The dispute was denied, Best Service Company reported that the dispute is invalid. 

I contacted XXXX XXXX and was advise my name and information does not match, and that it wouldn't be reporting on personal credit since the item is a business loan/account not a personal one. I contacted best service company and was advised that it is a personal obligation and that they will continue to report it, unless i send documentation in to provide the details. This is not resonable as i was asked about a different last name of an individual or business and denied knowing any of those individuals/entites. I requested they review with XXXX and remove the item from my report, to no avail. 

I am requesting they remove this item from my credit immediatly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some inquiries I didn't recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

XXXX XXXX XXXX XXXX was contact my me loan holder, XXXX XXXX XXXX XX/XX/2022 in effort to obtain documents for a home loan refinance. At time of call XXXX, XX/XX/2022 I was automatically transfered to loan servicer named, Mr. Cooper XXXX At that transfer I learned that my loan information was not available to the proposed new servicer, Mr. Cooper. The representative in the CSR at Mr. Cooper was kind enough to call with me to XXXX XXXX XXXX XXXX XXXX, that call was not successful in reaching anyone in person at XXXX, XXXX. 

XXXX  XX/XX/2022 at XXXX pm I called again to make a connection to pay my mortgage, same process was made available. 

I was transferred to loss mitigation at Mr. Cooper, XXXX helped me. She stated that selling loans is common and needs time to transfer. 

I was not notified of this transfer and find this process unacceptable.
Product: Money transfers

I sent XXXX $ threw Intermex to my mother in XXXX XXXX. In which I was charged XXXX $ for their service. On the XXXX of XXXX I received a text stating that the wire I sent has been collected. I then called my mother to see if she had received the money and informed me that she had not gone to the bank yet to which the wire was sent. I later called intermex and asked what had occurred and they replied that the money had been collected but they had not told me who did. Their website advertises safe secure wire transfers to consumers to love ones. I 've called them every single day to see how they can help me but to no avail they will not give me a straight forward answer and says it 's out of their hands it is now the XXXX of XXXX and no resolution in sight I must file a complaint and hope that I will find some kind of resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Subject : Debt Ownership Dispute, Validation Request, Cease-and-Desist, and Demand for Deletion I formally dispute the collection account below and demand full validation under the FDCPA, FCRA, and Regulation F. Until proper validation is provided, all collection and reporting activities must cease immediately as required by law.

Legal Basis for My Dispute : 15 U.S.C. 1692g ( b ) ( FDCPA ) : Collection efforts must cease until full validation is provided.

Green v. Portfolio Recovery Assocs. LLC ( 2024 ) : A statement alone is insufficient proof of debt ownershipyou must provide a complete chain of assignments. Missing any Bill of Sale voids your claim.

15 U.S.C. 1681s-2 ( a ) & ( b ) ( FCRA ) : Prohibits reporting unverifiable information.

Securitization Law : If this debt was bundled and sold as a security, you lack standing to collect. 

My Formal Demands : Debt Validation Provide : The original signed agreement and full payment history.

All Bills of Sale/Assignments proving continuous ownership.

Confirmation this debt was not securitized.

Cease-and-Desist : Stop all collection and reporting activities until validation is completed.

Immediate Deletion : If you can not fully validate this debt, remove it from Experian, TransUnion, and Equifax immediately.

Personal Information Update Please update my personal information to reflect the following : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Delete the Following Undeliverable Addresses and Aliases : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX Employers XXXX XXXX  XXXX  Accounts to Be Validated XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) - XXXXXXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Experian XXXX XXXX XXXX XXXX  - Auto Financing Companies - XX/XX/XXXX - Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - Experian Failure to comply within the legally required timeframe will result in formal complaints to the CFPB, FTC, and legal action for violations of 15 U.S.C . 1681n & 1681o.

I expect written confirmation of compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Regulation F. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Debt collection

XXXX/COMENITY/ULTA XXXX XXXX XXXX XXXX XXXX OH XXXX Subject XXXX Debt Validation Request Dear XXXX/COMENITY/ULTA, I am writing in response to your recent communication regarding the alleged debt referenced in your letter. Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( 15 U.S.C. 1692g ), I am requesting validation of this debt.

Specifically, I request the following documentation : 1. Proof of Debt : Copies of all records showing the amount of the debt, how it was calculated, and the original contract or agreement signed by me.

2. Assignment of Debt : Copies of all contracts or assignments that demonstrate your legal right to collect this debt, including any chain of assignment from the original creditor to your company.

3. Original Creditor Information : The name, address, and contact information of the original creditor, along with details about the account and any outstanding balance at the time of the assignment or sale.

4. Payment History : A detailed, itemized statement showing any payments made, fees added, and the balance still owed.

5. Statute of Limitations Verification : Documentation confirming the date of last payment and whether the debt is within the statute of limitations.

Until I receive the requested documentation, I dispute the validity of this debt. I also request that all collection efforts, including reporting to credit bureaus, be halted until this matter is resolved.

Please note that future communication regarding this matter should be in writing and sent to the address listed on file. Additionally, I request that you do not contact me by phone.

Thank you for your cooperation. I look forward to receiving the requested information within 30 days of your receipt of this letter.
Product: Prepaid card

On XX/XX/XXXX I submitted a fraud claim in the amount of XXXX XXXX  because I did not make the purchases. On XX/XX/XXXX, The Way2Go program accepted the claim, sent a letter stating they have given me the funds back and closed the claim. It is currently XX/XX/XXXX and I have not seen this money. I have called weekly, and everytime I get the response of Ill send this to a supervisor and you will have an answer within XXXX days or I have fixed that, give it until the end of the day and yet the money still has NOT come back to me. This is my XXXX XXXX XXXX money.
Product: Debt collection

Franklin Collection Services is attempting to collect {$280.00} dollars from me for something from XXXX XXXX XXXX but I have never had anything from XXXX XXXX XXXX.I disputed with XXXX but they unmediated resolved the dispute saying I owe it.
Product: Credit reporting or other personal consumer reports

I HAVE FILED SEVERAL IDENTITY THEFT CLAIMS AGAINST THIS COMPANY AND THEY HAVE REMOVED IT FROM MY XXXX CREDIT REPORT, HOWEVER THIS COMPANY NEEDS TO BE REMOVED FROM BOTH MY TRANSUNION AND XXXX CREDIT REPORTS WITHIN 30 DAYS ALONG WITH PAYMENT REIMBURSEMENT FOR PAYMENTS MADE TOWARDS THIS ACCOUNT, ALL OF MY BANK ACCOUNTS HAVE BEEN CLOSED DOWN FOR ALMOST TWO YEARS, I HAVE BEEN EVICTED FROM MY HOME WITHOUT TRANSPORTATION, NO UNEMPLOYMENT BENEFITS NOR ANY OTHER SUPPORT AS I HAVE EXPLAINED IN THE PAST, IN ADDITION I HAVE NO JOB, NO FOOD NOR ANYTHING AND I NEED THIS COMPANY REMOVED FROM BOTH MY XXXX AND TRANSUNION CREDIT REPORTS ALONG WITH REPAYMENT FOR PAYMENTS THAT WERE MADE TOWARDS THIS ACCOUNT THAT DOES NOT BELONG TO ME AT ALL!!! I HAVE PROVIDED ALL OF THE DOCUMENTATION THAT I HAVE TO RESOLVE THIS MATTER!!! I AM TRYING TO GET EMPLOYMENT, A VEHICLE AND A HOME HAVING THIS ON MY PLATE HAS KEPT ME FROM DOING SO AND I AM ALSO REQUESTING {$150000.00} IN DAMAGES FOR FINANCIAL AND EMOTIONAL DURESS. I HAVE EXPLAINED TO THEM THAT ALL COMMUNICATION IS TO BE DONE VIA EMAIL AS I DO NOT HAVE A WORKING PHONE NOR RESIDENCE AS I HAVE BEEN HOMELESS, WASHING MYSELF IN PUBLIC PLACES OR MOBILE SHOWERS. I HAVE NO FAMILY OR ANY RESOURCES ALONG WITH NOT ONE PENNY IN MY POCKET AND I WILL BE FILING BANKRUPTCY UPON ANY FUTURE EMPLOYMENT. THE PERSON WHO STOLE MY IDENTITY ADMITTED TO STEALING MY IDENTITY AND RUNNING UP MY CREDIT REPORTS AND THAT PERSON IS CURRENTLY XXXX  ON A XXXX  XXXX CHARGE. I WILL KEEP ON COMPLAINING AND DISPUTING THIS MATTER UNTIL THIS IS REMOVED FROM BOTH CREDIT REPORTS AND ANY OTHER RECORDS. I AM DONE DONE PLAYING GAMES WITH THEM AND I WOULD NOT BE USING PROFANE LANGUAGE OR COMMENTS IF THEY HAD DONE THEIR JOBS THE XXXX TIMES THAT THEY HAVE BEEN ASKED TO AND UNDERSTOOD THAT I HAVE A RIGHT AS A CONSUMER TO EXPRESS MYSELF ALONG WITH ANY OTHER OPINIONS AND IF THEY CAN NOT HANDLE THAT THEY NEED TO FIND ALTERNATE EMPLOYMENT ALONG WITH A TOUGH SKIN!!! I HAVE FILED COMPLAINTS WITH EVERYONE IN XXXX AND XXXX XXXX AGAINST THESE CROOKED XXXX XXXX!!! I AM BEYOND SICK OF THEIR XXXX LIES, ETC AND NO THREATS NOR HARASSMENT ARE BEING MADE I AM TRYING TO GET THIS BEHIND ME AND THE RESOLUTION I WANT!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ABOUT EVER GETTING ANY LOANS OR PRODUCTS FROM THESE XXXX XXXX EVER!!! I WANT MY MONEY AND CREDIT REPORT CORRECTED AND THEN BE DONE WITH THESE XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX!!!
Product: Credit reporting or other personal consumer reports

I have two creditors saying I have student loans with them. 
One is XXXX who said they sold to XXXX XXXX Both are collecting on my credit reports and bringing m y score down with payments that are not due and accounts that are no longer theirs. 

One company needs removed my debt is double and it had been disputed multiple times. 

This is what it looks like on all three credit reporting companies Experian XXXX XXXX Student loans Total balance : {$86000.00} DEPT OF ED/XXXX LATE PAYMENT Balance {$740.00} Balance updated XX/XX/XXXX XXXX  DEPT OF ED/XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/ DEPT OF ED/XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/ DEPT OF ED/XXXX LATE PAYMENT Balance {$500.00} Balance updated XX/XX/XXXX XXXX  DEPT OF ED/XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/ DEPT OF ED/XXXX LATE PAYMENT Balance {$3100.00} Balance updated XX/XX/ DEPT OF ED/XXXX LATE PAYMENT Balance {$6000.00} Balance updated XX/XX/ DEPT OF ED/XXXX LATE PAYMENT Balance {$2800.00} Balance updated XX/XX/ DEPT OF ED/XXXX Balance {$5700.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3700.00} Balance updated XX/XX/ DEPT OF ED/XXXX Balance {$3900.00} Balance updated XX/XX/2XXXX XXXX LATE PAYMENT Balance {$4000.00} Balance updated XX/XX/2XXXX XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/ XXXX LATE PAYMENT Balance {$2700.00} Balance updated XX/XX/2XXXX XXXX LATE PAYMENT Balance {$7400.00} Balance updated XX/XX/2XXXX XXXX LATE PAYMENT Balance {$6300.00} Balance updated XX/XX/ XXXX XXXX LATE PAYMENT Balance {$3800.00} Balance updated XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL, XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

COMPANY REFUSE TO REMOVE NEGATIVE REPORT FROM REPORTING AGENCIES