23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is the 2nd complaint about a debt that was paid in full in 2006. XXXX XXXX Court records the case XXXX has been closed, debt settled and paid. The debt was paid through court ordered wage garnishment which was completed and terminated, paid in full in 2006. It is now 19-20 years later and the new collection corporation Goldsmith and Hull, http : //www.goldsmithcalaw.com XXXX is attempting to collect on a debt that is no longer owed, and not valid : completely unlawful. In addition, a representative name XXXX contacted me on my work phone, at a XXXX XXXX, identifying the company as Goldman and Hall and threatening that the Sheriff would serve me wage garnishment orders. The previous Law Corporation :  XXXX and XXXX, that had this record has already advised that there would be no further contact with regards to this account and no further collection activity and that the case has been closed by their office and the matter has been deemed resolved. Yet here is another " law office '' attempting collection activity on the same debt that was already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted letters to Credit Companies about inquiries in my report that I didnt recognize dating back to XX/XX/XXXX. They have yet to honor my request to remove the incorrect information. I submitted police reports but still no replies. 

I also show XXXX and XXXX has removed a debt but trans union still carrying it. I would also like that removed.
Product: Debt collection

I attempted to get internet service with XXXX XXXX, but after several attempts to start my service they were never able to secure my connection. Therefore being in the 30 days window of service, I cancelled the service due to failure to secure a internet connection at my residence. I call XXXX ( XXXX ) and got a confirmation cancellation.
Product: Debt collection

I got this threatening call out of the blue from a phantom collections company ( identified themselves as " LMS '' ) that said I would be " served up court documents if I didn't pay off a nonexistent debt '' ... number in question was : XXXX ( XXXX ) XXXX called them bask asking for further clarification as to why they were calling and they said they needed to " verify my information so I could be served up the necessary court documents '' I replied I am not going to provide that information to you over the phone and then they retorted " we will see you in court then '' and they hung up. 

I am 99.9 % sure this is a complete scam and I want to warn others so they don't get scammed by these people
Product: Payday loan, title loan, personal loan, or advance loan

Got the loan on XX/XX/XXXX for {$1200.00} and around the holidays I lost my job. Communicated that to corporate but they still continued to call all my references and even family members that are not listed as references. Did mail out a cease and desist letter which they confirmed they got but said since they are not a third party company they will continue collection calls. I understand the collection calls will continue for me but harassing even my family members is getting out of hand.
Product: Credit card or prepaid card

On XX/XX/XXXX I spoke to CS rep. They were charging me since XX/XX/XXXX a card protection fee I said I did not approve this charge, the women said that it would be refunded back to the beginning when the fee started XX/XX/XXXX, in the amount of {$400.00}. Two weeks later I received a letter stating they would on go back 6 months. They credited me {$25.00} total I think this is unfair and unjust please help. 
Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, TX XXXX Dear Consumer Finance officer at Auto Division I am writing to dispute a close account of an Auto Loan of {$28000.00} to my account on XX/XX/XXXX. The charge is in error because the auto was taken from me in an armed robbery in XXXX XXXX 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
Enclosed are copies of the police report supporting my position and experience. Please correct the error on my account promptly. 
Sincerely, XXXX XXXX XXXX Enclosures : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proces 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 for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, XXXX, a third-party collection agency attempting to collect on a {$2600.00} account ( XXXX XXXX account number XXXX ). I have identified numerous inaccuracies in the information they are reporting to the three major credit bureaus, including balances and details about services allegedly provided. 



XXXX XXXX, the original creditor, has gone out of business, and there are no records available from their company. Despite this, XXXX, XXXX continues to report this account as valid without providing any verification of the debt. 



I have made multiple requests to XXXX XXXX  to validate the debt and provide supporting documentation as required under the Fair Debt Collection Practices Act ( FDCPA ). To date, they have failed to respond to my requests. Their failure to verify the accuracy of the information while continuing to report it has negatively impacted my credit across all three bureaus ( XXXX, XXXX, and XXXX ). 



My specific concerns are as follows : 1. Inaccurate Information : XXXX, XXXX is reporting inconsistent and inaccurate details regarding the balance and services allegedly associated with this account. 

2. Failure to Provide Verification : I have repeatedly asked for verification of this account, but XXXX, XXXX has not complied, which is a violation of federal law. 

3. Unverifiable Debt : Since XXXX XXXX has gone out of business and there are no records available, XXXX, XXXX can not reasonably verify the debt as required. 



I request the CFPBs immediate intervention to : 1. Compel XXXX, XXXX to validate the debt with accurate documentation or cease collection activity entirely. 

2. Remove this account from my credit reports if they can not provide proper verification.

3. Notify all three credit bureaus of the inaccuracies and ensure the erroneous information is deleted from my credit history.

The continued reporting of unverified and inaccurate information is a clear violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). I respectfully ask for your assistance in ensuring my rights are protected and this matter is resolved promptly.

Thank you for your attention to this issue. Please let me know if additional information or documentation is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian several times in regards to a credit report update which has not been dont since last year. They keep giving me reference numbers but I still have not has a change. I have been denied credit due to this.
Product: Debt collection

I have contacted the company Ad Astra about this debt. I have explained in great detail that this account is not mine. I have had an account w/speedy cash but that account has already reported to my CB report and is a totally different amount. I never had two loans. I was never even notified of this debt. I never received a call nor letter verifying the debt nor advising me of this debt being owed. If I wouldnt received notification of the debt. I wouldve had the opportunity to Dispute it and verify it but being my account. I was not given that fair collection opportunity and because of it. My credit is being ruined. I have been denied housing, and my job is at stake. I would like this debt removed and verified from my credit report. This company never sent me notice. I called them about another account I actually have and never got notice on as well and two months later. They billed this collection to my credit report. NO NOTICE or verification of debt. They never requested payment or anything. They are very rude and nonchalant when I call their office. I have asked for verification I also filed a Dispute w/credit bureau. Still no verification or update. This derogatory reporting from this collection agency is invalid. I did not take out this big loan a year or two years ago. I would really like to see this handled properly and being removed before causing anymore damage to my credit report.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX Balanced {$1000.00} XXXX XXXX Balanced {$0.00} XXXX  XXXX XXXX Balanced {$39.00} XXXX  XXXX XXXX Balanced {$1700.00} XXXX  XXXX XXXX Balanced {$630.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX. XXXXXXXX XXXX 1925 {$37000.00}
Product: Student loan

After agreeing to pay my monthly payment, the representative, XXXX, pushed me to send my private banking information to her to try to enter me into a program that she would not give me full details and information on. I refused, stating that I did not trust the company with my financial information and that I would be paying the monthly payment as scheduled. She connected me to her manager, who attempted to pressure me into giving private banking information like before. I declined and stated that I did not trust their practices and that in the past, I had been deceived and misled by their company. Therefore, I did not wish to give out any more information than was necessary to process my payment. The manager, XXXX, then began raising her voice and speaking over me about her trust in the company and defended her position, which was never in question. I told her I wanted to explain my reasoning and she yelled over me stating she did not care and would not listen. Dumbfounded, I informed her of how rude and unprofessional she was acting, and how it was not reflecting positively on her company if that is how she speaks to customers. She yelled at me one last time saying she did not care and then hung up on me. When I called back to file a formal complaint, I was told they would listen to the call and get back to me, but then proceeded to attempt to defend the managers actions and demean me. I asked for the information as to filing a formal complaint and also inquired as to if I was able to file a complaint on a separate website, and the representative became livid and rude, stating it was not her job to tell me how to file a complaint. This company has never been helpful, and has repeatedly harassed and verbally assaulted me as a customer. It is shameful and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX 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 or fraud. 
Account : XXXXXXXX XXXX # XXXX 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. According to the FCRA the credit reporting agency has 4days to block a identity theft account. Please review ID theft report and FCRA guidelines sheet.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB had a breech as well as all these other reporting agencies which causes me great concern with my information not being accurate. The addresses and employment information is mine i have attached my id and they still continue violating me, the information below is not mine XXXX W. 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  of XXXX XXXX  By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions to the consumer to whom it relates. 
CREDIT REPORTING AGENCY NAMEhas in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. 

I have enclosed copies of my state issued identification and social security number to validate my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion have repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND XXXX XXXX. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, Transunion has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of XXXX XXXX, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting

had requested Equifax to investigate a credit inquiry for XXXX dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.
Product: Student loan

Received both subsidized and unsubsidized loans from XXXX XXXX for $ XXXX and signed loan agreements for 4.25 % interest. XXXX XXXX rolled the loans over to Navient. 
My payments are up to date.I have been paying {$200.00} a month for over 15 years. 

- They do not give you a way to pay more than the minimum amount every month. 
- At the end of the loan, the amount paid back above the principle was $ XXXX - Instead of the 4.25 % interest I signed for, they are charging 50 % interest which is illegal in every state. 
- When I called to try to find out why they were charging that much interest they sent me copies of a TIL statement that I had not seen and did not sign when I took the loan. 

This needs to be investigated and stopped. XXXX XXXX and Navient need to pay back the over paid interest. My loans should be fully paid after 15 years of making payments - but I'm still only half way through paying them.
Product: Checking or savings account

Savings accounts I opened in XXXX for my then minor sons for their college funds have been charged for monthly service fees for " inactivity ''. I discovered this when trying to withdraw funds for their college. The accounts had {$2000.00} when opened, they now have {$1500.00} and {$780.00}. First Interstate Bank manager XXXX XXXX has offered to refund 9 months ' fees stating " It looks like the accounts went dormant XX/XX/XXXX. This means there was 18 months of charges for each account '', however, I know this is not true since the funds have been untouched by my sons and me except for a withdraw made by one of my sons for approx. {$300.00} in XX/XX/XXXX and a couple of deposit made by me when I could afford it. I am trying to get a printout prior to the 18-month printout I was able to get from a teller in the XXXX XXXX, which was as far back of record they keep at the branch level. In one email Mr. XXXX said he could get the printout further back but they would have to charge me for it. The next email from him ignored the request I had made about getting printouts. I don't think he is being honest with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent BANKRUPTCY COURT account open on my credit reports. Also I was in a park some years ago and someone stole my bag with my personal and sensitive information in it. And since then I have a lot of hard inquiries that have been appearing on my credit report that I did not authorize as well. 
Record Type : Chapter XXXX bankruptcy Date Opened : XX/XX/XXXX Reference Number : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX Credit/ XXXX XXXX EQUIFAX MORTGAGE SERVICE Inquired on XX/XX/XXXX XXXX   XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  : XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX  Inquiry from XX/XX/XXXX + Finance Equifax Mtg Inquiry from XX/XX/XXXX + Misc. 
XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX   Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + XXXX. 
XXXX XXXX  XXXX from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX  Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX EQUIFAX : XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX  Inquiry from XX/XX/XXXX + Motorcycles & Bicycle Sales/Svc XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks Equifax Mortgage Sol Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Product: Debt collection

I applied for a loan from Cash For Whatever. I missed 1 payment for the loan due to being effected by the government shut down. They keep calling my job everyday. My employer has threatened to write me up if they do not stop calling my job. I have asked them several times to cease contacting my employer and they continue to call. They have also threatened to sue me once I ask them to stop calling my job.
Product: Student loan

I reached out to XXXX about a status change on my credit report which shows the loans have been written off. I spoke with the XXXX representative XXXX XXXX XXXX around XXXX and requested info about the write off status and he confirmed that the loans were written off and went into collection with a law firm that serves as a collection agency named Trak America . I requested the bill of sale, 1099 form for the written off amount, any documentation on the write off, and a copy of the signed contract for the alleged debt. I am currently awaiting this information. 

I have never received any information from XXXX XXXX Trak America as this call was the first I have heard of Trak America. 

I am making a request from Trak America for the following : This is not a request for validation of debt or any alleged debt but rather proving where you got my information and what you believe entitles you to collect any debt or alleged debt from me. 

I am not asking for verification of debt, statements, or any account information. Trak America is not to communicate with me directly nor indirectly with the attempt to collect any debt or alleged debt.
Product: Credit reporting or other personal consumer reports

Credit acceptance Corp. put a closed delinquent account on my credit from a involuntary repossession that took place in XXXX. Credit acceptance Corp. is now stating that its an opened account with no payment required, but its not a collection or a charge off. They are falsifying information and flip-flopping back-and-forth. I have spoken to them on a couple different occasions and I keep getting different stories to the account. This has caused me major credit issues and financially harming to me. Tennessee state lost statue of limitation is XXXX years and credit acceptance Corp. is violating the state law and again financially harming me. This needs to be deleted off of my credit due to credit acceptance flip-flopping on this account and not accurately reporting and changing their comments of the account. That account is over XXXX years old and again I can not express this enough. It is financially harming me and violating state law..