23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally dispute the validity and reporting of the alleged debt referenced in my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ] and the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], I have identified serious discrepancies and potential violations of federal law regarding the handling of this debt.

According to my credit report, your company has marked this debt as " written off, '' yet you continue to attempt collection and re-report the debt. If this debt has indeed been written off, then it is no longer collectible, and under IRS regulations ( 26 U.S. Code 6050P ), your company is required to issue a 1099-C Cancellation of Debt form for tax purposes. To date, I have not received this form, indicating either an improper classification of the debt or an attempt to unlawfully collect on a previously discharged obligation.

Under FTC regulations, continuing collection efforts on a debt that has been written off without issuing a 1099-C constitutes deceptive and unfair practices, which may be considered fraud. Additionally, re-aging or re-reporting the debt in an attempt to extend the statute of limitations is a violation of the FCRA and the FDCPA. If this practice continues, I will have no choice but to file complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and the Internal Revenue Service ( IRS ) for potential tax fraud and consumer rights violations. 

I demand that you : XXXX. Cease all collection efforts immediately. 
XXXX. Confirm in writing whether this debt has been written off and, if so, issue a 1099-C was required by IRS law . Which you failed to provide in a timely manner.

3. Remove any inaccurate or re-aged reporting from all credit bureaus immediately.

Failure to comply with this request within 05 days will result in formal complaints being filed with the FTC, CFPB, IRS, and my State Attorney Generals office. 
Please respond in writing to the address provided above.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/year> I am distressed that you have included fraudulent information in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information you provide to credit bureaus. Credit reporting laws ensure that companies only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate. The following information therefore needs to be re-investigated and removed as the charges associated with the listed accounts are fraudulent. 

XXXX, XXXX, XXXX XXXX fraud XXXX Account Number : XXXX, Total fraudulent amount, {$17000.00} XXXX XXXX XXXX XXXX : fraud began XX/XX/year> Total fraudulent amount {$4100.00} XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Account Number XXXX fraudulent amount : {$5900.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX amount {$590.00} Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to dispute fraudulent inquiries on my file with XXXX  & Transunion wrote letters several times even tried calling the dispute department for both XXXX  and Transunion, even claiming the inquiries are fraudulent they still both denied me to dispute them, both bureaus told to call each collectors, the collectors doesnt have contact information on most of the items, and even stated my FCRA rights to the bureaus they both just put me ON HOLD FOR SO LONG TILL I Decided to hang up.
Product: Vehicle loan or lease

We bought a new XXXX from a XXXX dealer using their financing with XXXX XXXX. We refinance to Pentagon Federal Credit Union ( PenFed ). 
My complaint is with PenFed. 

PenFed paid off the XXXX loan and requested the lien and title from XXXX. 
XXXX sent the lien but not the title.

Two months later I get a threatening letter from PenFed saying that if I don't get the title from XXXX they will either raise my rate or use the lien against me. This is the first instance I've ever heard of any issues between the institutions. 
I call PenFed and they said that XXXX XXXX did not send the title. 
I call XXXX XXXX and they said " The dealership was late sending the title, so when PenFed made the request, we didn't have the title at the time. PenFed needs to call us again or make another request to send the title because we have it now. '' I call PenFed and tell them what to do. PenFed instead emails me their address. 
I call XXXX and tried to give them the address to send the title to. XXXX XXXX refuses because they can only deal with the lien holder ( they must speak to PenFed ) I call PenFed and PenFed said they do not call other institutions to settle matters. That I now must go to the DMV to request the lien and title from XXXX XXXX, then make another request to put the title and lien back in PenFeds name. 
I tell them " No. This is not my XXXX  job to do your job. I did everything I am required to do as a customer, and you are using me as a guinea pig to do your work. And now if I don't do YOUR job, you are threatening me with raised rates or using the lien against me. Make another request to XXXX XXXX to get the dang title and everything will be settled. '' The next day ( today ) I get an email from PenFed saying I need to call immediately. I call them and after 1 hour of being on hold I am told that they denied my request and now I have to resubmit all paperwork with the state of Texas to fix this. 

Since when do the customers ever get involved with situations like this? 
PenFed has deliberately used extortion techniques to get me to do their job.
Product: Student loan

I want Sallie Mae to stop calling me ; their amount of telephone calls are illegal and harassing. I blocked the phone number, but calls still relays onto my voicemail. 

Im also a victim of cyber extortion, blackmail, and randsomware online, who stolen my identification online. Perhaps, the debt collection agency or Sallie Mae has stolen my most personal and private information to use tactics of randomware to exploit me online.
Product: Student loan

In XXXX of XXXX MOHELA forced to me to recertify my income for my student loans, and I switched from XXXX to the XXXX plan. Then XXXX released guidance that nobody shouldve been asked to recertify prior to fall of 2024, and that plans and payments should be reverted back for those who recertified. I was assured by multiple MOHELA reps that this would happen, and my account placed in administrative forbearance for months. Then the XXXX plan, which I shouldnt even be on, wound up in litigation and now the months of new forbearance Im on dont count towards XXXX. Im asking MOHELA to put me back on XXXX at my previous payment still but hours spent on the phone and many messages later it still has not happened. Please help.
Product: Debt collection

I receive approximately 5 or more phone calls a day every day from a debt collector. They call repeatedly everyday, even Sundays. Sometimes they will hang up and call right back.
Product: Money transfer, virtual currency, or money service

Im writing to share my concerns about how Zelle handles disputes, especially in light of the recent CFPB lawsuit that highlighted major problems with the platform. Ive used Zelle many times, but when I reported discrepancies, neither my bank nor Zelle took my claims seriously. They told me it wasnt possible to recover the lost funds or track the transactions. The CFPBs findings show that Zelle has failed to protect its users and has allowed repeat offenders to take advantage of the system, leaving people like me vulnerable to scams. This lack of accountability and transparency is unacceptable and makes me question the platforms commitment to consumer safety.
Product: Credit reporting or other personal consumer reports

Dear CFPB, XXXX, and Credit Bureaus, I am writing to formally dispute the recent changes in my credit report related to my mortgage account with XXXX XXXX XXXX XXXX ( XXXX ). I have attached all relevant documents and screenshots to support my dispute. 

Details of the Dispute : Mortgage Account Information : Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : Incorrectly reported with added interest, causing an inflated balance. 
Payment History : I have made all required mortgage payments on time, as shown in my payment history. There have been no missed or delayed payments. 
Credit Score Impact : On XX/XX/XXXX, my XXXX credit report showed a six-point decrease in my XXXX score, with the explanation that the balance on one of my accounts increased by {$7300.00}. This is incorrect and unjustified, as the increase appears to reflect interest or other charges that do not accurately represent my mortgage balance. 
Incorrect Reporting of Loan Balance : The balance reported on my credit file has been increased without any justification. This negatively affects my credit score and financial standing.

Impact of the Errors : The errors in reporting have caused a drop in my credit score, which can lead to unfavorable financial consequences such as higher interest rates, reduced creditworthiness, and limited access to credit. 

Requested Action : Investigate the reporting of my mortgage account and correct any inaccuracies, particularly regarding the loan balance. 
Ensure the payment history reflects the accurate status : no missed or late payments. 
Update my credit report across all credit bureaus to reflect the correct balance and restore my credit score. 
Provide written confirmation of the actions taken to correct this issue. 
Supporting Documents : Screenshots of my account showing on-time payments and accurate balance. 
Experian credit report highlighting the discrepancies and credit score drop. 
Mortgage payment receipts. 
I request an expedited review of this dispute and expect a response within 30 days as required by law. Please do not hesitate to contact me for additional information. I appreciate your prompt attention to this matter. 

Also on XX/XX/XXXX, my XXXX added information to my TransUnion credit file for a third time after the mortgage which made, my score dropped significantly from XXXX to XXXX and never went back up again. 

This unexplained credit score drop is adversely impacting my financial reputation and may affect future financial opportunities. TransUnions lack of response and resolution over a seven-month period is unacceptable. 

Supporting Documents : I have attached screenshots of my credit reports and scores from various platforms to demonstrate the discrepancy and consistency in my credit behavior. 

Requested Resolution : A thorough investigation into why my TransUnion credit score dropped by over XXXX points on XX/XX/XXXX. 
Immediate correction of any errors or discrepancies in my TransUnion credit report.
Product: Money transfer, virtual currency, or money service

I purchased shoes from a guy name XXXX XXXX, he goes by the name teddysoles online. He promised me XXXX pairs of shoes plus another one for {$4000.00}. Few months had past and hes telling me hes having issues getting the items to me. He told me he has family issues so I gave him time. Until few weeks past he said that he cant get them and he can refund me. He said he needed time so I gave him time. Not its over a year and still no sign of anything not even a refund. Not sure what to do but to file this claim. I used XXXX to send him the funds and XXXX said they cant help me get it back? Can they at least help me somehow. Im sure they can track down where the money went.. but anyways please help me with this issues on what to do next. Also I saw other people he scammed about the same situation. I bunch of people dealing with the same issue from this scammer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Accounts : XXXX CARD XXXX, XXXX CARD XXXX, XXXX XXXX XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts is inadvertently resulting in me being extorted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my bank informed that XXXX XXXX score had changed in which my score was decreased due to degoratory report from this company ( Sequium Asset Solution .XXXX ) this company had sent a report to credit reporting companies ( XXXX XXXX XXXX XXXX XXXX XXXX  ) that I was in collection. I never had a relation with this company before. This report made my credit score down. I had sent a dispute on credit reporting company execept XXXX due computer difficulties. 
it states that opened the account on XX/XX/2023 and update the balance on XX/XX/ for {$650.00} in which I am unawared.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled XXXX XXXX  XXXX Balance : {$620000.00} ; XXXX XXXX XXXX  XXXX Balance : {$1900.00} ; XXXX XXXX XXXX Balance : {$5200.00}.
Product: Payday loan, title loan, personal loan, or advance loan

I continue to have high interest rates added to the payment and they do not deduct anything from the original loan. I requested a schedule I could make monthly payments on and they continue to add high interest and have not worked with me on a schedule that I can make payments. In addition they continue to deduct interest from our saving account at the same time I am trying to repay the commercial loan. 
I have continued to try and work with the bank but have been very frustrated with the contacts. I have asked for a reasonable monthly payment i can make since i did lose a business contract which leaves me with only SS and a small retirement payment each month to try and pay the loan off. 

Bank is Key Bank in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

What happened is that I noticed several inaccurate or unverifiable items on my credit report, and I took action to dispute them. Specifically, I found multiple accounts with incorrect reporting of late payments that I believe were paid as agreed, such as with XXXX XXXX, XXXX, and XXXX XXXX. Under 15 U.S. Code 1681a ( 2 ) ( i ), I requested these items be updated to reflect that they were never late, as I have documentation proving they were paid on time. 

Additionally, there were multiple debts reported by collection agencies, such as XXXX, XXXX, and others, that I believe are either unverifiable or have incorrect information. According to 15 U.S. Code 1692g, these debt collectors are required to validate the debts they claim I owe before continuing any collection efforts. I specifically requested that they provide proof of the debt, including original signed documents like contracts or agreements, or that they remove the item from my credit report. 

Since I had already made efforts to resolve these issues directly with the credit reporting agencies and creditors without success, I sent a formal dispute letter to them. I referenced my legal rights under the Fair Credit Reporting Act ( FCRA ), particularly Section 611 ( a ) ( 1 ) ( A ), which gives the credit reporting agency 30 days to investigate and respond. I also made it clear that I do not consent to automated verification processes like e-Oscar. 

I warned the agencies and creditors that if they failed to resolve the issues within the 30-day window or failed to provide the necessary documentation, I would take legal action. I would file a suit in federal court and seek {$1000.00} per violation for defamation, negligent enablement of identity fraud, and violations of the FCRA, as the inaccurate or unverifiable information could harm my financial reputation and cause further harm.

In short, Im taking all the necessary steps to ensure that my credit report accurately reflects my financial history, and I am prepared to take legal action if the dispute is not resolved satisfactorily.
Product: Credit reporting or other personal consumer reports

After looking through my credit profile I noticed some hard inquiries that do not belong to me
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX Balance Owed : {$750.00} XXXX XXXX Balance Owed : {$0.00} Inquiries included in dispute : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I lost my job a few months ago I started to get unemployment so I call the mortgage company to let them know the situation and that at this moment only income that I have coming in is my unemployment to see if they will work with me but that did not happen so because of that I fallen more behind on my mortgage now it's been 7 months since I mad a payment on my mortgage I called the company every chance that I got to see can I work out something and they refuse all they talk about is me paying all the seven months and all the fees that call mes with it over {$7000.00} money that I don't have at one point they put me on a payment plan that I could not afford because only thing I was getting what's the {$510.00} from unemployment they had me on a repayment plan off almost {$1300.00} a month something that I could not afford and now I am pending foreclosure now I am working full-time 40 hours a week and they still refuse to assist me no matter what I do no matter how much documents I show them about the job they just want to foreclose on my home to a point now that I am going to file for bankruptcy to keep my home. They receive all this bailout money and still refuse to help homeowners that is struggling to keep their home and make their monthly payment
Product: Checking or savings account

i opened checking account with Citibank XXXX weeks ago. After that, i used XXXX  transfer to send money from my XXXX  XXXX XXXX account to XXXX XXXX  accout twice. 1 day later, when i tried to XXXX  transfer from my new Citi bank accout, my citi bank mobile app locked me out and they frooze my account alongside with my funds. After contacting with bank regarding to that issue, they said that because they can not verify my phone number, i have to wait for a letter with verification code to be mailed to me. As per them, letter must have arrived within 7-10 business days. It never arrived. My finds are still on hold, i tried to contact ciiti bank couple times and always answer was the same, i have to wait for letter. I could not withdraw my funds from bank branch too, they said me same thing, i have to wait for letter, yet no letter arrived ever since.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX Hard line credit inquiry done without consent or written permission to all 3 credit agencies
Product: Credit reporting or other personal consumer reports

Thank you for addressing and removing some of the inaccuracies in my credit report. However, there are still a few items left that require further removal. While reviewing an updated copy of my credit report, I discovered that some of my credit references are still not included in the removal but have been reported and verified. Please re-investigate and remove the items : 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 Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$8000.00} ; XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$740.00} ; XXXX XXXXXXXX Balance Owed : {$610.00} ; XXXX XXXX XXXXXX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$8000.00} ; XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXXXXXX Balance Owed : {$740.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$500.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$8000.00} ; XXXX XXXXXXXX Balance Owed : {$740.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please re-investigate and delete these disputed items. Please forward me the name and address of the persons contacted. Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me when the items have been deleted. Once this has been accomplished, please forward me an updated copy of my credit report to the address provided.