23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Upon moving to XXXX XXXX recently after residing in XXXX XXXX for 7 years I have never heard of this debt that seems to be something from 2007. I divorced and was driving a twenty year old car so I was looking to purchase a used car that was more reliable so this company Pressler & Pressler contacted me right after I was at dealership, so they ran my credit. The only thing they have done was one phone call to verify my employment and then a judgement to garnish my wages which seemed so harsh being I honestly new nothing about this. Its been ten years how can this happen and when I went to the court because they would n't even tell me what it was the court did n't even know what the debt was from all they said was it looks like maybe it was some kind of credit card. Can this happen so drastically this would literally put me in a terrible place financially I 'm barely surviving now. Apparently upon research this company buys old debt and just takes extreme measures to get paid I wonder myself if they keep it. I really feel helpless obviously I ca n't afford an attorney. Thank you for your time if any additional information would help on my behalf I would be more then happy to share. I filed a motion along with two certified letters wanting more information. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX terrace XXXX, FL XXXX XX/XX/year> Collection Agency name : XXXX XXXX, XXXX NOTICE AND DEMAND FOR CEASE AND DESIST FOR ACCOUNT # XXXX To Whom It May Concern : I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an account that you can not prove is mine.

You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt.

I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt.

15 USC 1692cI Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

If proper validation of this alleged debt is not provided within XXXX calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. 

Furthermore, they do not have any jurisdiction or authority to even collect on this alleged debt.
Product: Credit card or prepaid card

On XX/XX/2022, I made an online payment of XXXX to Comenity Bank for my XXXX, XXXX credit card. On XX/XX/2022, XXXX Bank ( my bank ) processed that payment, and the payment was taken out of my account that day. I confirmed this with my bank. However, the payment isn't showing up on the Comenity Bank credit card. It's also not showing up as a pending payment, so I called Comenity on XX/XX/2022. They said it was showing up on their " backend '' and that they would make sure the payment showed up on my account by XX/XX/2022. It's now XX/XX/2022, and the payment is still not showing up on my account. I called today, and they said the payment may not post for 90 days. Even though they confirmed they could see my payment on their " backend, '' it might not credit to my account for 90 days.
Product: Student loan

InXX/XX/XXXX I XXXX XXXX started work at XXXX XXXX XXXX. During the first year of work I applied for the Public Service Forgiveness Program through XXXX XXXX XXXX. During the application process I was asked to have my employer fill out forms stating that they were a non-profit organization. These forms were sent to XXXX XXXX XXXX  who also reviewed application and approved it. I worked at XXXX XXXX XXXX  from XX/XX/XXXXto XX/XX/XXXXand within those calendar years I consistently paid the amount that was set by XXXX XXXX XXXX. OnXX/XX/XXXX I received a letter in the mail stating that all of my qualifying payments while I was employed at XXXX XXXX XXXX was being revoked and approval reversed. I called in to XXXX XXXX XXXX to inquire on why I was being notified 8 years later that XXXX XXXX XXXX   was not a qualifying facility. I spoke with a initial service rep who was very polite and sympathetic towards issues. She then transferred me to a Public Service forgiveness program manager who was not in any way shape or form polite nor understanding. I then began to explain the situation to her. I followed up by saying this process requires approval by XXXX XXXX XXXX and XXXX XXXX XXXX. I asked how did they miss this for 5 years. She then stated " Sir I was not the one taking care of or approving this loan program. If you could have that employer write a letter stating that they are non-profit then we would review it. '' I then said I get that, but the only one who is suffering here is me and my family. She continued to demonstrate no signs of sympathy or understanding. I then apologized to her, stating that if I sound rude it is not meant towards you. She said nothing and stated that I could send in my complaint via fax or online. Still no sympathy nor compassion from her. I submitted a application every year and XXXX XXXX XXXX  department continued to approve it. This is not right at all. XXXX XXXX XXXX and XXXX XXXX XXXX dropped the ball on this one and they need to own it. Customers should not suffer because they are not reviewing applications appropriately. 8 years are you kidding me!
Product: Debt collection

I have returned their calls several times and asked them not to call me, It is not my debt, They would not give me an answer of who they are looking for..
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT RECOGNIZE THE FOLLOWING INQUIRES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio recovery associates , LLC has been calling and harassing me nearly everyday, and multiple times per day most days to recover a debt that I have disputed due to no knowledge of account. I have asked them to please stop calling me, and when they refused, I told them I would block their number as I have no business with them. They continued to call, always from another number. At this point I have had to block at least 10-15 different numbers in my phone. I just recently received a letter from them in the mail as well, stating how much they are asking from me with options to pay. The letter has all options of where to send payments, address, phone number ect. At the end of the notice there is no list of any of my rights as a consumer, no explanation of how to dispute, other than directly with their company. Also states that they have no California license.
Product: Credit reporting or other personal consumer reports

As a protected consumer under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am disputing several unauthorized inquiries on my credit report. These inquiries appear on my report without my knowledge or consent, raising concerns about potential identity theft or a violation of my rights under the FCRA. According to FCRA Permissible Purposes ( Section 604 ( a ) ( 3 ) ) it requires credit reporting agencies to have a " permissible purpose '' to provide your report. Unauthorized inquiries wouldn't fall under any permissible purpose. Remove these unauthorized inquiries immediately from my credit file. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX  Incorrectly states I have this derogatory account. 
XXXX XXXX XXXX Incorrectly states I have this derogatory account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 XXXXXXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have no record of this account that ever belonged to me with this collectors/creditors. I've asked multiple times to send me proofs of ownership but they don't complied to my request.
Product: Prepaid card

I have XXXX prepaid XXXX debit gift cards, that list XXXX XXXXXXXX as the contact. I first went online, the first card shows a {$0.00} balance when I entered the card information but the second says it can not be located. I tried to get a transaction history for the card it could find, but none showed up online and when I tried to talk to someone on the phone they said they couldn't give me any information since my name wasn't on the gift card. They requested that I fax them the front and back of the card, a long with my government issued ID to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not get through to Equifax or XXXX to freeze my credit accounts. All available phone numbers I have tried do not get through and the websites are giving me errors. 

I am extremely concerned about fraud on my accounts and would like to freeze them ASAP after the XXXX  hack.
Product: Credit card or prepaid card

Discover credit card offered me a 0.0 % balance transfer or 12months, I transferred {$2000.00} and paid {$60.00} in transfer fee XX/XX/2021. Discover is now asking me to pay in full in a month, by XX/XX/XXXX or they will apply interest charge of 22.99 %. I chatted with two different reps. and they both telling me the same thing. 

I paid the {$60.00} transfer fee thinking I have 12months to pay off my {$2000.00} little by little with 0.0 % interest as advertised instead, Discover is demanding me to pay the {$2000.00} within a month while they keep the {$60.00} fee I gave them. 

Why can't i pay just the new purchases portion in full and keep the {$2000.00} balance transfer promo and not have to pay interest?
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : Formal Complaint for Inaccurate Late Payment on Credit Report. 
Dear CFPB, I am submitting a formal complaint against TransUnion for its failure to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/2024 and XX/XX/2024 ), my requests have been ignored. As a result, TransUnion is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information within consumer files. The continued reporting of incorrect late payments on my account directly breaches this requirement. Additionally, according to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The misreporting of late payments on my account has adversely impacted my creditworthiness, causing undue harm. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely statements, thereby preventing unfair penalties to consumers. The inaccurate late payment reporting on this account directly violates this protection, affecting my financial standing. 
Account Information and Discrepancies : TransUnion TransUnion continues to report multiple late payments, despite previously submitted disputes. Specifically : XXXX XXXX XXXX : Shows multiple late payments ( XXXX, XXXX, and XXXX  days late ), culminating in a XXXX late payment. 
Days Late - 7 Year History : TransUnion is inaccurately reporting 30 days ( 3 times ), 60 days ( 2 times ), and 90 days ( 5 times ). 
Ongoing Issues and Lack of Resolution Since my last dispute, there has been no change in the reporting by TransUnion. The incorrect entries have persisted despite clear evidence of their inaccuracy. This ongoing negligence has caused significant harm to my creditworthiness and financial well-being. 
I am formally requesting an immediate correction of the inaccurate late payment notation from my credit report, in alignment with XXXX removal of the account. If this matter is not promptly addressed, I will escalate my complaint further, considering potential legal action and additional complaints with relevant regulatory agencies. 
Thank you for your attention to this matter. I look forward to a swift resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

ss 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. 

these are the accounts that I report that are inaccurate XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have attempted to set up a venmo account, their organization responded that an account has already been linked to my phone number. 
Venmo only allows for bot ai assistance.
Product: Mortgage

I assumed my own mortgage that I initially shared with my ex. 
After the assumption completed they deleted or removed access to my online account to manage the mortgage. They offered no specific explanation as to the problem and no XXXX on the fix. 
I have heard from others who experienced the same problem 10+ months ago and are still locked out. 

To be clear, they confirmed anyone who assumes a mortgage with them can no longer have online access to their account.
Product: Student loan

I started with Sallie Mae in XX/XX/XXXX when I began school at The University of Colorado at XXXX XXXXXXXX. Since I started with Sallie Mae, the company has been nothing but predatorial. They declined a loan based on my financial information, but they turned around and said I qualified. 
Since I began attempting to repay my loans, I have continued to have ongoing problems. The amount on the website and that I can pay are never the same. When I pay, I will receive an email that my loan is not current. 
I receive phone calls and constant misinformation on what I owe. Sallie Mae will call multiple times a day and leave my voicemail box full even after I've cleared all voicemails. They say the easiest solution to paying my balance is to go through the website, but it will not allow me to make the minimum payment. They expect monthly payments, which are difficult for me with my current salary. When I try to contact the company, I experience wait times of up to 4 hours. When I reach a person, I get transferred to several different departments. Most times, the phone will be on hold and then go silent ; eventually, the call gets cut off. 
I was recently in contact with the company on XX/XX/XXXX. We enrolled my loans into a program where I would pay {$540.00} monthly for two years and lower my interest rate to 4 %. I gave them my debit card information to set up auto debit. My first payment was scheduled for XX/XX/XXXX. They failed to charge my account, putting my loan in further default. Predictably the company has been impossible to get in contact with and has now affected my credit score and has resulted in more harassing emails and phone calls. This company is impossible to deal with and continues to harass me and my co-signer. It is also highly frustrating that I am told different amounts due on my loan each time I contact an agent. 
My most recent loan was initially denied due to my previous debts and financial situation. A week later, I was contacted by the company saying that they had changed their mind and were willing to approve me for another loan. Their intent has been malicious.
Product: Debt collection

Name : XXXX XXXX The company XXXX Radius Global Solutions LLC ) didn't respond to my request. I gave them 30 days to provide a validation of debt, but they failed to do so. They also haven't responded to any of my queries via email or calls. 

My sensitive private information is being shared without my permission. These companies are being very irresponsible with personal info of consumers. In this era, data breach and identity theft have become very common and it gives them all the more reason to be extra cautious. But they are failing to do so and they have violated my rights.
Product: Credit reporting or other personal consumer reports

I have tried to get these accounts remove from Transunion report, they are reporting collection accounts from XXXX XXXX XXXX for {$6100.00} and Portfolio Recovery XX/XX/2018 for {$3000.00} These accounts are FRAUD!!!!! and are not mine. Transunion is govern by 15 USC 1681, they have violated my rights numerous times and I demand that these accounts be removed from my file. They continue to violate the truth in Lending act as well as the fair debt collection practices act.
Product: Debt collection

Galaxy International Purchasing has violated pursuant to section XXXX ( a ) ( XXXX ) of the FCRA requirements failure to notify the credit reporting agency that this account XXXX is being disputed. Failure to put the notice of dispute in the comments of credit report is a violation of the FCRA requirements by Galaxy International Purchasing. 

I have attached a copy of my credit report that doesnt show the required notice of dispute as required in comments on my report after I have disputed this account multiple times times over the past serval months. 

I have also attached a copy of the XXXX ( a ) ( XXXX ) section of the FCRA requirements for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and incomplete information on my credit report that has been reported by US Bank. Below are the details of the issue : 1. Both XXXX  and XXXX reports show the correct balance information of {$65.00} as of XX/XX/2023 update, while XXXX is showing incorrect/old balance information of {$0.00} as of XX/XX/2023. 

2. Despite repeated attempts to contact US Bank, I have not received a satisfactory response, and my dispute has been ignored by them. 

3. I have also filed multiple disputes with XXXX, but each report has been returned with the same unfixed and improper response for SIX TIMES, stating that the information reported by US Bank is accurate. 

4. As per the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit card companies to investigate any disputes and to correct or delete any inaccurate, incomplete information within 30 days. However, US Bank has failed to comply with this law, and returning the dispute with unfixed incorrect information does not count as a resolution. 


I demand that the CFPB investigate this matter and take appropriate action against US Bank to correct the inaccurate and incomplete information on my credit report. This situation has caused me significant stress and inconvenience, and has also negatively impacted my credit score.
Product: Credit card or prepaid card

Someone opened a credit card in my name through XXXX ( XXXX XXXX ). I have a regular XXXX account but not a credit card. The person who stole my identity used a fraudulent email address to open the card ( not the same one that I have on file with XXXX ), and a phone number that is not mine ( and not the same as I have on file with XXXX ). 
I reported this to XXXX credit card and they denied my fraud claim, stating that, " the information on the account verifies to you ''. This is completely incorrect. XXXX did not properly verify my information before issuing a credit card to someone who stole my identity. 
I will be submitting a police report shortly, and have already filed a XXXX complaint.