23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I had reached out to Transunion to get an updated copy of my credit report to go over it after my ex had moved out.     I found out that he had take some of of my files and there were some credit reports that were missing. So when i went online to get my free reports, which i have not done in years to look them over and dispute them, i was given an error at transunion advising me that the information provided could not be verified. WHAT INFORMATION? I did n't enter anything.     so when i called and spoke with th e Fraud department, they stated that there was not any issues on their end, and that i should be able to order my report. So I tried again, and to avail, NOTHING. the same error. I asked to be to transferred to a supervisor in the dispute department to verify my account, but no one would help me there either. She gave me the run around, about the usual 24-48 hr bit, knowing that i was just being thrown to the wolves. I am also having this issue with  XXXX  and  XXXX  where i can not get any of my free credit reports with some type of error stating that my information cou ld not be verified and i would have to phone in my issues. THAT IS UBSURED. All of this drama did not start until someone decided that they would add a fraud alert to all my reports back in  XXXX  of   XXXX  .     All I would like to do is to be able to sign into my accounts, and do what i need to do, and not have disrespectful people talking to me in a rude manner and asking me rude questions. if there is anyone that will investigate this matter and follow up with me I would appreciate it greatly.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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: Student loan

When you think of Wells Fargo as a young woman in need of an education, most would automatically assume that they would tell you the truth. When I requested both loans online nothing was discussed about anything adjusting or compiling at the incredible rate is has. It has now, even though I have made timely payments quickly gone to more than {$30000.00} whine down my DTI and keeping me from buying a home or obtaining any kind of financing. When the rep from Wells Fargo called me to finalize the loan package nothing was discussed about this debt compiling so quickly and it ruining the rest of my life. I had clearly asked if zi would be able to pay that much once I graduated and I was u=assured by the representative from Wells Fargo that it would not be a problem and I could always fill out forms to delay payments. 

What good is our system if it allows this type of predatory lending to go on and for Wells to remain in the clear for their actions. I had no idea what I was getting myself into and now I have no idea what to do. These loans should have been explained properly and the full rates and fees disclosed.
Product: Debt collection

On XX/XX/2021 I opened a debt with Mariner Finance in the amount of {$2500.00}. I then experienced health problemXXXX XXXX XXXX XXXXXXXX, Im a XXXX XXXX XXXX XXXX XXXX  XXXX I joined a debt relief program and was advised to stop paying my debts, which I did. I later was informed that Mariner Finance would not be willing to work with them, & at that point I was behind on payments. I was then sued by Mariner & agreed to pay $ XXXX with the new amount being {$2800.00}, which included their court fees. My recent check was garnished without my knowing in the amount of {$460.00}, which is causing significant financial hardship and Im now unable to pay my bills & support my family. I never received the debt validation documents and currently do not even know where I am in the payments because Ive had no correspondence with them since the original agreement.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing this complaint regarding repeated violations of the Fair Credit Reporting Act ( FCRA ) by XXXX, XXXX, TransUnion. Despite my formal dispute about inaccurate or unverifiable information on my credit report, the credit bureaus claimed the information was verified but failed to provide the required method of verification ( as outlined in Section XXXX, 15 U.S.C. 1681i ). 

This lack of compliance is unacceptable and has caused harm to my financial health. Additionally, my personal information has been leaked in several high-profile data breaches, which makes it even more critical that these credit bureaus fulfill their legal responsibilities to investigate and verify disputed information accurately. 

Specifically : XXXX. I submitted a dispute to the credit reporting agencies requesting verification or correction of inaccurate items on my credit report. 
XXXX. The agencies responded that the information was verified but did not provide any documentation or details explaining how the verification was conducted or the sources used. 
XXXX. This failure to provide a method of verification violates my rights under the FCRA, which entitles me to receive the details of any investigation. 

Furthermore, the exposure of my personal information in data breaches increases the risk of fraudulent activity, making it essential for the credit bureaus to handle disputes with diligence and accuracy. By failing to comply with the FCRA, the credit reporting agencies are compounding the potential harm caused by these breaches and jeopardizing my financial security. 

I believe the credit reporting agencies are engaging in negligent and/or willful noncompliance with federal law, and their actions ( or lack thereof ) have caused me financial harm by : Allowing inaccurate or unverifiable information to remain on my credit report. 
Preventing me from fully correcting errors, which affects my ability to secure fair financial opportunities. 

If these violations persist, I will escalate my complaints to the Federal Trade Commission ( FTC ) and pursue legal action under the FCRA to protect my rights as a consumer. 

I respectfully request that the CFPB take immediate action by investigating this matter and ensuring that these credit bureaus comply with their legal obligations. Specifically, I request that : They provide the method of verification for the disputed items. 
Any unverifiable or inaccurate information is promptly removed from my credit report. 
They address the implications of the data breaches on my credit profile and take steps to ensure accuracy and security moving forward. 

Thank you for your assistance in addressing this serious issue. I look forward to a resolution.
Product: Debt collection

debt was written off XXXX XXXX 2000 XXXX years ag0. resurgent capital servives now trying to collect.XXXX year statute in California..do I need to pursue legal action to get this stopped?
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries was made by the credit inquiries listed below. However, these inquiries was not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. 
XXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Once found the deal was a fraud. Immediately reported to the bank. And the bank reply, they cants stop the transfer, and cant return the money, USD XXXX
Product: Credit card or prepaid card

I reported fraud on my Barclay card ending in XXXX. I received four letters ( 2 in XX/XX/2018 and 2 in XX/XX/2018 ) informing me that the account was close due to fraud. The letters stated that the account ending in XXXX was closed due to fraud, the fraud investigation has been completed and that you are not responsible for the reported fraudulent activity. Please allow up to 30 days for the consumer credit reporting agencies to remove any fraud-related information from your credit report. Today, the new account ending in XXXX has the fraud activity on it and the fraud has not been removed. I have been paying on my card with autopay for months and stop it in XX/XX/2018 ; when I realized that autopay was on. I owe nothing more on both accounts, Barclay card ending in XXXX and nothing more on Barclay card ending in XXXX. Please close these accounts and report both of them as fraud. This credit card has been a nightmare and I don't know what to do. I filed a police report as instructed by XXXX representative. XXXX Police Dept. Report CC # XXXX. I put in a dispute for fraud regrading Barclay card to the following consumer credit reporting agencies : XXXX and XXXX  as well as security freezes on my credit accounts. Please help! 
I paid approximately {$2000.00} from the {$14000.00}.
Product: Debt collection

Sallie Mae. 
3 promissory loans included in my XXXX  XXXX XX/XX/XXXX On XX/XX/XXXX they sent a letter indicating a party on the loan has filed for bankruptcy an automatic stay you will not receive correspondence, including billing statements, for the duration of the bankruptcy case and online access will be unavailable. In addition, any pending loan disbursement or future schedule payments have been cancelled. 
They have cancelled receipts of future payments for 55 months. 
On XX/XX/XXXX, they received notification of discharge from bankruptcy. No objection was submitted fully aware no payments have been received. These are promissory notes -unsecured loans. They began to send letters for payment and I explain per their letters if you have been in bankruptcy let them know, I did. But they already knew that. I am also going through a divorce. I did not receive any educational benefit from the loans, they were past statute for collection. They state they are defined by IRS statue, I explained 2 people can not claim the same exemption., the borrower or the co- signer. Both did not get the same benefit. They subsequently send letters stating they will be charged off, and 1099 C, Cancellation of debt will be issued..

By sending a 1099c this now become income, and not a debt. When this becomes taxable income it is not longer a debt. you can not collect on income. This has to be removed from my credit report. they cant have it both ways. In addition, when I contacted the credit bureau because they listed it as a charge off instead of bankruptcy the changed the dates as write of XXXX to keep on credit record till XXXX. 
It should be removed effective immediately for the deceptive practices on all three of my credit reports and the joint borrowers. 
these are abusive and deceptive practices i
Product: Credit reporting or other personal consumer reports

i recently review a copy of my credit report and notice i had fraudulent accounts on my report. please remove these accounts from my reports, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I am being taken advantage of as a consumer by Early Warning. They keep reporting this inaccurate item without providing me evidence of them fully verifying the information as required by the FCRA. This is my notice that I will be seeking legal action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion simply just won't provide me with my credit report.
Product: Debt collection

I request debt to be verified and show documentation. I also did dispute with XXXX regarding this matter.
Product: Debt collection

I was sent a letter saying i owed {$840.00} by a debt collector trying to use XXXX XXXXXXXX XXXX  name. 

CHASE RECEIVABLES XXXX XXXX XXXX XXXX XXXX NJ XXXX The bill says date of service XX/XX/19. I have never received a single letter or notice of this bill existing. I have never heard of the existence of this debt. I told them the debt was false and they said they will still pursue me. They were harassing me. They were asking for personal information that I refused to provide because I think they were trying to steal my identity.
Product: Debt collection

On XX/XX/XXXX I, XXXX XXXX XXXX, was sent a notice from Enterprise billing and debt collection department and emailed twice by XXXX XXXX while I was dealing with my children who were sick at the time. I was referred to make payment at XXXX XXXX The amount of loss {$1000.00}. 15 U.SCode 1691 ( f ). This company is also in violation of 15 U.S.Code 1692 ( b ) ( 1 ) ( 2 ) ( 5 ) .15 U.S. Code 1692 ( d ) Enterprise also violated my rights to financial privacy ; sold debt to a collection agency TSI whove I have never consented to the right to share my personal information with this company. This activity is illegal and against the law made by congress. Those who violate must pay.
Product: Money transfer, virtual currency, or money service

Dear PayPal XXXX XXXX, I hope this message finds you well. I am writing to address the recent blockage and limitation imposed on my newly registered PayPal account. I was disappointed to discover that my account 's functionalities have been restricted, as I have made every effort to comply with PayPal 's policies and guidelines. 

As a new user on the platform, I am eager to start using PayPal for my online transactions. I am fully aware of the trust and responsibility that comes with being a PayPal user and would never engage in any activity that may breach the terms of service. 

I kindly request a comprehensive review of my account 's status and the specific reasons behind the blockage and limitation. Understanding the cause will enable me to address any potential concerns promptly and take appropriate measures to comply with PayPal 's requirements. 

The email address associated with the affected account is XXXX. I ask that all communications regarding this matter be directed to this email for my convenience. 

I assure you of my full cooperation and willingness to provide any additional information or documentation necessary to verify my identity and account ownership. My aim is to resolve this situation amicably and re-establish the full functionality of my PayPal account. 

Thank you for your time and consideration. I genuinely appreciate your attention to this issue and hope for a swift resolution. Should you require any further information or have any questions, please do not hesitate to contact me. 

Looking forward to your prompt response. 

Yours sincerely, XXXX XXXX
Product: Debt collection

I have been reaching out to National Credit Systems , Inc . 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX : XXXX Email : XXXX Using the Toll-Free number the week of XX/XX/2022. On XX/XX/2022 I have attempting to call to potentially work an arrangement to pay this debt I supposedly owe to get it off my credit ( even thought XXXX shows it as included in my chapter XXXX XXXX ). 

I spoke with the operator and she states that only XXXX XXXX can help me and she is out to lunch and nobody else can assist me with paying. Furthermore, she was supposed to transfer me to her voicemail and the line just died. I called back and XXXX XXXX 's direct extension of " 132 '' same result, no answer just dead line. I then tried to reach here my the dial by name feature their IVR service has, again, no luck. 

So, it doesn't seem very fair. Rather abusive and deceptive to me that I can just call to get this figured out - yet nobody is available to assist me? Clearly in business hours- I am calling around XXXX - XXXX. 

So, apparently they must not want to collect this debt, therefore they should just dismiss this and remove it from my credit bureau as it shouldn't even show as I owe on it on my XXXX  and XXXX- like XXXX shows, it was included in chapter XXXX.
Product: Debt collection

HI CCS COLLECTIONS / XXXX XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I am asking you to please review your data on file for me and ensure that it is accurate and up to date. I am relying on you to comply with the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards to ensure that all information in my credit report is correct. If you find any inaccuracies or deficiencies in the reporting, please correct them immediately. Thank you for your cooperation in this matter. 
XXXX XXXX XXXX Experian Account # : Account Rating : Account Type : Closed Date : Creditor Remarks : XXXX CollectionOrChargeOff Installment- UNPAID BALANCE REPORTED AS A LOSS BY CREDIT GRANTOR Date Opened : Date of Last Activity : High Balance : Last Verified : XXXX XXXX {$5000.00} XXXX Payment Amount : - Payment Status : CollectionOrChargeOff Loan Type : Unsecured Experian Account Description : Individual Account Status : Balance Owed : Credit Limit : Creditor Type : Date Reported : Dispute Status : Last Payment : Closed XXXX XXXXXXXX Finance XXXX N- Past Due Amount : - Payment- XXXX Frequency : Term Length : I found a mistake with account XXXX XXXX XXXX  ( XXXX I found a mistake with account XXXX XXXX XXXX ( XXXX ) on my credit report. Its listed as CollectionOrChargeOff with dates XXXX and XXXX. This error hurts my loan chances. 
According to 15 U.S.C. 1681e, this must be fixed. In 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 ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ), it was made clear errors need correcting. Please delete this account and send proof of the {$4500.00}.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided
timely so that none of my rights are violated Yours Truly XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX, NY XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Debt collection

A company by the name of Jefferson Capital Systems , LLC ( JCS ) has made XXXX attempts at collecting a debt related to an overdrawn checking account from XXXX XXXX XXXX. After my initial letter vehemently disputing the account/debt relation to me, they interpreted this as my agreement to it and chose to move on with their " repayment program ''. 

I will appreciate input as to what my options are for an escalated response and defense from this rather irresponsible company and its unacceptable set of tactics.
Product: Money transfer, virtual currency, or money service

On XXXX  I set up a " XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$100.00} direct deposit to XXXX XXXX. Fund was withdrawn from my business checking account on XX/XX/ " Square Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/ I received an email saying my account has been " deactivated ''. 

As of XXXX I still have not received a refund nor was the {$100.00} direct deposit processed.
Product: Debt collection

They called my spouse claiming to be from location services but called me and didnt leave a voicemail or message and they said you have been warned and good luck and were very loud over the phone like yelling into it and I believe it to be scam but not sure