23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX company wont be reasonable with me almost paying this balance off after paying around {$3000.00}. Caine and Weiner are harrassing me a debt that should be settled with abit over {$620.00}.
Product: Credit reporting or other personal consumer reports

This letter serves as formal notice regarding the above-referenced account listed on my XXXX credit report. I dispute the validity of this alleged debt and request that your agency cease all communication with me regarding this matter. Under the Fair Debt Collection Practices Act ( FDCPA ), you are required to validate this debt before further collection activity. 

Please provide the following : Evidence showing that I am responsible for this debt, including the signed agreement or contract with XXXX XXXX XXXX 
The itemized breakdown of the debt, including how the {$410.00} balance was calculated. 
Proof that your agency has the legal right to collect on this debt. 
Until the above information is provided, I require that you immediately cease all attempts to collect this debt. Failure to comply with this request will be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Attorney Generals office in my state. 

Additionally, I request written confirmation that any negative information regarding this alleged debt will be removed from all credit reporting agencies unless the debt is verified in compliance with federal laws. 

Thank you for your prompt attention to this matter. I expect a response within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$1300.00} Date of Account : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Experian of an inaccuracy on my report by national credit adjust. This same account was reported to Experian by another company, XXXX XXXX XXXX XXXX which was deleted on XX/XX/2019 because it was proven invalid. Experian created what they called an investigation which lead to the incorrect/fraud info to remain on my report after they deleted this same info by another collection agency previously. This information is completely false and should not remain on my credit. Please help!
Product: Payday loan, title loan, or personal loan

I was reading on the settlement for XXXX. I wonder why you haven't gone after a company like Heights Finance for similar practices. I had a loan with them several years ago and when I got to the office to sign it already had every kind of insurance product on it, including their home and auto. It wasn't discussed with me at all. When I said I didn't want it, they told me it was already part of the loan. I ended up calling and cancelling the coverages, but I didn't get any interest refunds. I feel like XXXX 's practices seem far superior to Heights Finance. I have even had my ex-husband and step-son get loans with Heights Finance and they did the same thing with the Auto plan. At least with my step son the first time he got a loan with them, they told him he NEEDED the auto plan in case he hit someone with his car, it would help him with it? Really??? Scare tactics? So why CFPB aren't you looking into companies like this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX Balance Owed : {$11000.00} ; XXXX  XXXX Balance Owed : {$8200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company have ignore my requested since XX/XX/2020 i requested an investigation to inaccurate information that is been report to my credit report. ands i have not received any update or respond i been ignored. 

please see attached all the letters sent to this company and proof of my identity
Product: Debt collection

Your website questionnaire is flawed. It does not have an option for breaking confidentiality. 

I received a text message from XXXX at XXXX Monday XXXX XX/XX/2021 stating : XXXX XXXX We have an important message for you from XXXX. This communication is from a licensed bill collector. Please call us at XXXX. 

As can be seen, anyone could see that this is a debt collection real or faked. Also my phone is set to speak txt messages due to poor eyesight. If I was in public, at work, with friends or family or conducting a business meeting then the others present would hear a debt collection.
Product: Credit reporting or other personal consumer reports

To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is still reporting on my XXXX and Experian but not my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Education and I had a communication lapse. I had moved and received absolutely no notices about the student loan. There is only one ( 1 ) student loan. I was called at work one day in early XX/XX/XXXX. Suddenly they were garnishing my check for the student loans. I was never given the opportunity to apply for Income Based Repayment, Hardship, or forbearance. They have be garnishing my wages ever since. They are paid approximately 15 % of my check every two weeks for over the last 5 years.

They are reporting 9 different accounts on my credit report of which 4 they are  reporting as collection accounts and show the last activity in XX/XX/XXXX. 
Here is an incomplete list of the discrepancies they have shown on my report despite me trying to correct them : 1- There is only 1 and they have reported 9 accounts.

2- The account has had payments made every single month for the last 5 years. They do not reflect this.

3- They list numerous account numbers.

4- I have never been given the opportunity to apply for forbearance or any program to help me deal with them.

I did speak to one person who told me that if they took it out of garnishment the payment would be higher which I could not afford. I was never contacted prior to the garnishment. 

I have spoke to XXXX, Experian and XXXX and let them know there were more than one duplicate and that it was being reported correctly but there was no resolution.
Product: Credit card or prepaid card

I have made several payments ( XXXX - {$80.00}, XXXX - {$80.00} ) to Captial One and although it is reflected on my paper statements it is not reflected on online payment activity. When asked about the issue and concern that my payments where not being applied to my account, I was informed that payments made through my bank 's online bill pay system will not be reflected online. However, all other payments made through my bank 's online bill pay system where reflected under payment activity. 

My concern is that my payments are not being applied to my account and possible the statements are not accurate. Banking is no longer about what you send me on a paper statement, since paper statements can reflect whatever the person preparing the statement wishes. I almost solely bank electronically and need it to be accurate.
Product: Debt collection

Commonwealth Finance Opened XX/XX/2019 + {$1800.00} Original creditor : XXXX XXXX XXXX XXXX. I'm a XXXX veteran and my health care is paid by Va. this fee that's being charged on my credit was for hospital services in which everyone else involved got paid. The hospital was paid and other specialist. They didn't bill Va in timely manner or correctly that's why they weren't paid. Instead of dealing with the Va they waited several years later and put on my credit report. I was told this happens to veterans all the time and was illegal. I've called several times and was given the run around even had VA to contact them. The have damaged my credit and have yet to provide me with the invoice to what the charges are and as I stated earlier it's against the law to bill veterans for a Va covered service especially years later. One rep told me she could see the Va billing info on  form but it was scratched out that's the reason they put it on my credit report without notifying me. I don't thinks that's how it should have been done.
Product: Credit reporting or other personal consumer reports

I have a. Military Star card account that was closed and paid in full since 2021 after multiple disputes and contacting both Credit report companies and Creditor submitting proof and requesting review neither company admits responsibility and to this day unable to resolve and or correct information. Credit bureaus do not contact creditor ton resolve disputes. Creditor will not contact Credit bureaus to give correct information. This has gone back and forth for years and is affecting my life and credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer report contains private information that is prohibited by law, which include my credit utilization and or late payment history USC 1681 ( A ) 2-states reports containing information solely as to transactions or experiences between the consumer and person making the report.

USC 1681 ( b ) outlines the definition of person which states any individual partnership, corporation, trust, estate, cooperative association, governmental subdivision or agency or other entity USC 1681 ( A ) c outlines whom the person is
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem with Transunion. I want to freeze my XXXX year old son 's credit. I reviewed the instructions on Transunion 's website on how to request a security freeze for a minor. After reading their instructions, I mailed them a letter explaining that I am trying to freeze my son 's credit. In my letter, I provided his name, birthday, social security number, and two years worth of addresses. I also provided my name, my birthday, my social security number, and two years of my addresses. I signed the letter, and provided my name, phone number, email address, and mailing address. 

I mailed this letter to Transunion, along with a copy of my son 's birth certificate, a copy of my son 's social security card, a copy of my own birth certificate, a copy of my own social security card, a copy of my drivers license showing my current address, and a copy of my most recent electric bill which shows both my name and current address. 

I received a response from Transunion saying I had failed to submit all required documentation. Their letter is not clear, and required some creative reading to understand. To the best of my ability, I interpret their letter as saying that I failed to submit proof of authority to act on behalf of my XXXX year old son. According to the letter, proof of authority would be : ( 1 ) a court order, ( 2 ) power of attorney, or ( 3 ) a written notarized statement expressly describing the authority to act on behalf of a protected consumer.

( 1 ) There is no court order for my son that I can submit, because my son lives with his happily married parents who have not reason to get a custody order. ( 2 ) My son is XXXX year old, so lacks capacity to grant a power of attorney to me. *3 ) I guess this means I need to submit a " written notarized statement expressly describing the authority to act on behalf of a protected consumer, '' but XXXX is that???  Should I have gotten notarized my letter saying I am my child 's mother, and want to freeze his credit. Was the birth certificate showing I am his mother not enough? Additionally, a written, notarized statement is NOT a requirement listed on the Transunion website instructions for requesting a security freeze. 

I attempted to resolve this problem by calling the phone number listed on the letter to ask what a " written notarized statement expressly describing the authority to act on behalf of a protected consumer '' is supposed to say. The person I spoke with did not appear to understand what a protected consumer freeze is, and would not talk to me about my XXXX year old son 's credit because she can only talk to me about my own credit. 

I am submitting this complaint to the CFPB because the CFPB should do something to require credit agencies to make a common sense procedure to freeze a child 's credit. This should not be a difficult process. 

MY FILE NUMBER WITH TRANSUNION REGARDING THIS ISSUE IS : XXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ***PS, I had no problem freezing my son 's credit with XXXX and XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed a Financial Disclosure For Reasonable And Affordable Rehabilitation Payments on my student loans with F.H. Cann & Associates, Inc.. They based the monthly payment amount on my income. This has been being paid monthly since XXXX/XXXX/XXXX yet it is still showing as a collection that payments are not being made on with all 3 Credit Bureau 's. 
This is incorrect and needs to be fixed back to the date of XXXX/XXXX/XXXX immediately.
Product: Mortgage

Wells Fargo is refusing to remove data from our credit report. Wells Fargo reported we were late on a mortgage payment after the loan was paid off in full. We were specifically told to make no further payments to Wells Fargo. 
Their action has severely damaged my family 's credit.
Product: Credit reporting or other personal consumer reports

Reinvestigation Complaint Letter to CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Complaint Regarding Unresolved Credit Report Disputes Dear CFPB, I am writing to file a formal complaint against XXXX regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. 
Disputed Items : XXXX. Capital One Acct XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX not my account no acknowledgment of this account i filed a ftc report as well for identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX identity theft I provided my birthday is XX/XX/XXXX they have XX/XX/XXXX I have requested detailed explanations and evidence of the verification process from the credit bureau, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being. 
I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i. 
Thank you for your assistance in resolving this matter. 
Sincerely XXXX XXXX XXXX
Product: Student loan

My accounts were to be on defferment but I am now being garnished. navient is now trying to contact me to tell me I am missing payments.
Product: Money transfer, virtual currency, or money service

I sent money via XXXX from my bank ( Bank of America ) to an individual claiming to sell custom furniture. Now, nearly a year later, the furniture has not been delivered and the seller refuses to answer the phone or emails. 

I called my bank, Bank of America and provided all of the information and requested that they initiate a chargeback on my behalf. Bank of America refused to assist me and stated there was nothing they could do. 

The transfer happened on XXXX XX/XX/XXXX for an amount of XXXX to XXXX XXXX XXXX XXXX. Now nearly a year later, XXXX XX/XX/XXXX, XXXX XXXX the owner of XXXX XXXX XXXX XXXX refuses to answer emails, the phone, or deliver the furniture. 

I am preparing to file a lawsuit against XXXX XXXX XXXX XXXX however a much more preferred route would be for Bank of America who I have used as my bank for over 20yrs would at least attempt to recover the funds.
Product: Credit reporting or other personal consumer reports

I Recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report. They are hurting my ability to obtain credit.
Product: Debt collection

In XXXX of XXXX  I sent a debt validation letter to Jefferson Capital Systems to verify the debt. I did not receive any information back. XXXX XXXX has not verified this debt.
Product: Money transfer, virtual currency, or money service

I had my wife transfer {$1500.00} into my cash app account. I generally dont use cash app but it was late and I needed fuel for my commercial vehicle asap. The transaction was a success but when trying to transfer the money from Cash app to my business account it didnt go through. I then tried to send the money back to my wife but I was unable to do so. At this point I contacted customer service but got no real answer on what was going on. Over the course of 5 days Ive been hung up on and told numerous times theirs nothing they can do because my case was in someone elses hands. I was told I would receive an email with instructions because there is no one to speak to in the department handling my case. This is very frustrating since every transaction made has a moneXXXX trail linked to Cash app my wifes account my Cash app account as well as my business account are all linked.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2015, I purchased a vehicle from XXXX XXXX XXXX, in XXXX, KY. I was under the impression that I would be purchasing my vehicle directly from the dealership. No mention of my purchase being a lease, or being sent to another company was ever discussed. I am attaching a copy of my original purchase receipt, which makes NO mention of a lease agreement, or a leasing company!!! 

My information was supposedly handed over to XXXX XXXX without my knowledge. This company, after a lawsuit was filed by the Attorney General of West Virginia, was required to vacate any debt that they claimed was a result of a repossessed vehicle. They then changed the status of the debt that they were incorrectly reporting under my name from " Reposessed, '' which would have forced them to remove the debt as agreed in the lawsuit settlement, to " Voluntary repossession, '' which allowed them to continue to unlawfully claim this debt as being mine. 

Other than another lawsuit against this unscrupulous company, nothing will make cease their fraudulent claims that they can not and have not proved, as required by FCRA regulations. They continue to skirt these laws and they are allowed to do so by the credit bureaus, as well as by any agencies that do not force them to produce the full proof of debt, including signed contracts between myself and the responsible party, as they so claim.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 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: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance sent inaccurate information to credit bureaus. They reported account was closed and charged off. This inaccurate information also negatively affected my credit, to the point where I was denied an auto loan after a vehicle was totaled as a result of the adverse information which they reported to the bureaus. Which affected me by not being able to replace that vehicle. Credit Acceptance knows they are wrong, There are numerous consumer lawsuits, A class action suit settled recently against them. Truth in lending violations in my contract, as well as predatory lending tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX & XXXX of 2020, someone tried to purchase a vehicle from multiple car companies. I notified these companies stating that I did not AUTHORIZE these INQUIRIES, nor was I applying for any auto loans do to the fact that I was just released from prison in XX/XX/2020. They stated that the inquiries would be removed. In addition, during that time XXXX was closed due to the Pandemic ( COVID ), so there was no way for me to obtain a License or State ID.