23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My phone was stolen on XX/XX/22 and numerous of transactions was authorized I didn't have no clue until I got another phone and logged in my XXXX  card was attached to my cash app and someone sent over XXXX to various cash app cash app never took down the transactions for what I said to them or added my police report and other supporting documents I talk to a XXXX from cash app and she assured me the transactions was incorrect I have screen shots of them telling me my documents was added but never was they are rude and hung up on me numerous of times please help me out in this situation no one reached out to nobody in the error at all no investigation was done over loaded images of my police report and the different reasons they have lied about closing my dispute
Product: Credit reporting or other personal consumer reports

I contacted the creditors to request a settlement and they said they would accept half which was XXXX. I advised I only had XXXX and that it would take a few months to get the remaining balance but by then the tradeline would no longer be reporting due to it being over 7 years old. They declined. It still shows in collection status not charged off on my credit report. I filed a dispute a with XXXX and they would not honor the tradeline being over 7 years old and either remove it from my credit report or show as charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account Bankruptcy Case number ( XXXX ) on my credit file with proof for 12 months with Experian, XXXX with the investigation coming back as verified each time. 15USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) 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 crime which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall nor furnish any information relating to a consumer to any consumer reporting agency if the person knows or has been reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case included. I have a letter from the court stating they don't report to credit bureaus have a letter from lexis nexis saying the bankruptcy was deleted from their report so how can Experian and XXXX could have done a proper investigation. I sent same information to XXXX and they removed the item from my credit file.
Product: Credit reporting or other personal consumer reports

Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in XXXX  to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Was Attacked over the Phone by Personnel employed by Company name is led to be and its believed that this man falsified communication with XXXX XXXX to CFPB and report responses in order to hide the company illegal conduct
Product: Debt collection

I had an account with XXXX XXXX but was mislead from the beginning on what the monthly payments would be. After that I switched my account over to XXXX who was supposed to pay off the transfer fees but never did. I received Collections calls from a company called Valentine and Kebartas regarding the debt. I worked with them for some time making bi weekly pmts of XXXX dollars. I had paid off almost half of the debt and came upon harder financial times. I spoke to a single rep regularly, but one day when i called back I spoke with a rep I had never before spoke with. I made a pmt of XXXX dollars and made him aware that I would only be able to pay monthly and that I would not be able to afford to pay what I was paying before. He told me that was fine and that he would schedule for me to be called in a month. Following that payment and agreement with the rep, I continued to receive up to five collections calls per day. After a week of receiving those calls during work and at all hours, I finally answered and spoke with the rep that I normally worked with. I asked why I was still receiving calls after having made a payment and worked out an arrangement with the other agent. She told me that the payment I made was not enough and that the account had been sent back by the " System '' and that is why I was still getting calls. After having worked with them for so long and even having made a payment as recently as the day before, that amount of calls was definitely harassment. Statements of my account automatically being sent to the system were also false and misleading. I work in collections and am very familiar with the way an auto dialer works and the work that is taken to load them. Arrangements should not have been agreed to if they were supposedly not " sufficient '' to keep them off of the dialer. receiving collections calls the next business day after having made a payment and agreements, is harassment and not fair collections practices. And blaming those tactics on the " system '' is misleading and a downright lie. 

I discussed witht he rep and a supervisor settlement options to avoid legal assistance or escalated complaints, but was not given any real help. I have already paid over half a debt for a service that I practically never used, and canceled because of misleading and deceptive tactics used by a sales rep belonging to the same mother company, XXXX XXXX.
Product: Credit card or prepaid card

I received a letter from Chase Bank where I have three credit cards on XXXX XXXX. The letter informed me that someone using my name and social security number, tried to obtain a Chase credit card and requested whether I filed an application for a Chase credit card. I was stunned and immediately called Chase and informed them that I did not file an application for a new credit card. Apparently someone used my name and social security number to obtain a credit card. I have also filed a police report with the XXXX XXXX, Rhode Island police department.
Product: Student loan

I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. I was XX/XX/XXXX years old at the time and was ensured that the student loans I opened through XXXX XXXX were federally backed XXXX Loans that I was afforded as a Ward of the State. At some point the loans were transferred to Navient due to XXXX XXXX losing the right to service federal loans due to misconduct. At all points of communication, the loans were referred to as federally backed student loans. I have been a forward XXXX XXXX in the XXXX XXXX since XXXX and have not been stateside to directly deal with the loans and have been relying on online pay and communication with Navient. On XXXX XX/XX/XXXX, I received a notification from the Department of Education about Student Loan Discharge Based on XXXX XXXX XXXX. " Your loan ( XXXX ) will be XXXX based on an XXXX finding that The XXXX XXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. '' When I contacted Navient about this release from the XXXX Department of Education in regard to the loans, I was told that the loans are considered private loans that I opened with Navient. At no point have I ever opened a private loan with Navient. I was then sent an application to submit with Navient to have my loans XXXX, which I submitted on XXXX XX/XX/XXXX. 

I received an email on XXXX XX/XX/XXXX that my loans are now being transferred to XXXX. Further research into the reasoning for the transfer is that Navient was barred from financing Federal Student Loans. 

Navient denied my discharge application on XXXX XX/XX/XXXX, however, gave no reason for the denial. I then called the number listed on the letter for the XXXX XXXX XXXX XXXX XXXX to speak with a representative about the denial. I confirmed with the person I was speaking that their office was the ones that made the determination on the letter sent. They refused to give reasoning for the denial and refused to send a copy of the original loan documentation they received from XXXX XXXX regarding my loans. My biggest contention with this process is that my loans were " federal loans '' or " federally backed '' when it best suited them and when a federal determination to discharge the loans due to misconduct was issued, now it is solely referred to as a private loan. Every single interaction I have with them they continue to refer to the loans as if I opened the loan with them directly. 

Now, XXXX XX/XX/XXXX, even after they informed me that my loan is transferred to XXXX, they called me saying I still need to pay them for my loans.
Product: Debt collection

I am trying to dispute a medical collection. I never gave permission to XXXX XXXX XXXX to share my information to a third party. This is a violation of the hipaa law. I need them to delete the collection from credit report asap
Product: Debt collection

XXXX was told by myself that after losing my job due to COVID i could not continue to pay my cable/internet bill and asked them to send someone to come pick up their equipment as I was not able to drive to a drop off point nor was i willing to drive to a drop off point. They sent someone to install the equipment, they can send someone to pick the equipment up and that it would be in a box on my porch. Nobody ever came to pick the equipment up so I moved the box to my garage where it still sits. They then proceeded to charge me with failure to return equipment. I told them I wasn't paying for the equipment because I still had it and they never picked it up and that i would pay the balance of my bill at the time of disconnection and not a penny more. XXXX refused to pick up their equipment and then charged me for it and sent collections after me for the amount
Product: Credit reporting, credit repair services, or other personal consumer reports

NEED to provide proof that I have given authorization of an accounts on XXXX/XXXX/2021 on my file. This letter is to notify It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! And I requested a delete these items as soon as possible! And your company failed to remove unauthorized accounts on my credit report on XX/XX/2021. The items I need deleted are listed in the report. I stated I an a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this ( accounts. ) Either provide me strict proof or DELETE the item immediately. If you do not delete the accounts in 15 days I will take legal action.
Product: Mortgage

In XXXX  a member of our family was facing serious health problems that stopped her from work and we were struggling to pay mortgage due to a hardship situation, which causes home income decreased. Then we contacted Wells Fargo to make a mortgage modification and they denied putting our home in foreclosure. 
We had to hire a lawyer to help us with the litigation process to get the modification. 
Until then we don't have this modification very clarified, and we believe that there has been some kind of misunderstanding about our mortgage modification and charges related to it, and escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX Account # XXXX, 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
Product: Debt collection

I sent a debt validation request to TAB services requesting information to validate debt for account XXXX listed by TAB services. In return, they sent a letter back on XX/XX/22. In this letter, it contained my private medical records/information that is a direct violation of HIPPA privacy regulations. I never signed a HIPPA form authorizing them to have access to this information. As such, I would need them to delete all information of this balance from their collection agency, remove debt listed on all 3 major credit bureaus, and cease all contact for the above noted accounts.
Product: Money transfer, virtual currency, or money service

What happened was Cash App sudden you know they say I have to verify my account which i had already did when I open it and XX/XX/year> so again couple days ago to ask me referred my account which I did not and I use my phones so I verified, they say for some reason and they also informed me that that can withdraw all my funds and I can sell my XXXX but for some reason its not allowing me to sell my XXXX so I told him I need my XXXX and theyre telling me to refer again assed document sent today, but the thing is I got all my transactions, not say that I dont receive them amount of money that have been you know using most part. I have to access multiple of them and I can show you this compress files so I can distract it and see all the files that I got and all the actions and what they told me and Ill conversation with cash app thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently asked you to verify information contained in my credit file in which I have provided proof that the you used to allegedly verify this item was invalid. 

Item in question : Chapter XXXX bankruptcy Case XXXX I have previously sent you that your process was not valid due to me going directly to the company and them not being able to verify the item. You replied and stated it was still verified without sending me any documentation or proof of an actual investigation. 

I know per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point you have been granted that time, this is a formal notification that I am filing a formal complaint with CFPB against you and your company since this bankruptcy was not deleted from my credit report. 

Additionally, XXXX has publish documentation on their website confirming that they provide your company, Transunion, with bankruptcy case information and you use them to verify information regarding bankruptcy cases. XXXX XXXX has not been able to verify the accuracy of the bankruptcy and has removed the item from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo began to show a debt on my credit report as failed to pay in XXXX of XXXX which was discharged in a bankruptcy in XXXX. Once this was reported as failed to pay from XXXX to XXXX on my credit report my credit score dropped 24 points immediately. I contacted Wells Fargo and after speaking to several representatives and being disconnected having to repeat the process several times I was finally connected to someone in the " bankruptcy department ''. This woman took several minutes to look up the bankruptcy in court documents based on the case number I provided her and found the debt discharged in the bankruptcy. She then referenced an unrelated dismissed bankruptcy which made no mention of Wells Fargo or any debt which was dismissed in XXXX and stated that the debt was placed back on the credit report because of this. Wells Fargo is refusing to follow the law as it pertains to bankruptcy, they are refusing to contact the credit reporting companies to have the problem corrected in a timely. I need Wells Fargo to call the correction in to the credit reporting companies so that it can be applied to the credit reports within 24 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of ID Theft and LexisNexis is reporting information that does not belongs to me such as addresses, last name, first name, phone numbers and accounts such as XXXX insurance and many more. I sent LexisNexis my police report and also a FTC ID Theft report a number of times and nothing seems to be done about the problems but LexisNexis is reporting false information to XXXX XXXX  and XXXX Credit bureaus such as bankruptcies, wrong addresses, wrong work history, wrong phone numbers and wrong accounts. This the 3rd time they investigated these items with no proof these are my accounts and nothing changes.
Product: Credit card

I am writing to formally complain about PayPal Credit 's violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I believe that my rights as a consumer have been compromised through their actions, and I seek your assistance in addressing these issues. 


I have experienced aggressive and misleading practices from PayPal Credit regarding collecting my debt. Specifically, I have received repeated calls and emails requesting payment without being provided with proper validation of the debt. According to the FDCPA, I am entitled to receive written verification of the debt upon request. I have made multiple requests for this information, but PayPal Credit failed to respond adequately, violating my rights under the FDCPA. 

Additionally, I have faced difficulties accessing my account history and monthly statements. Despite my requests, PayPal Credit has denied me access to this information, which is critical for verifying my account status and managing my financial obligations. Under the FCRA, consumers have the right to access their credit information and account history, and PayPal Credit 's failure to provide this information clearly violates this law. 


I have attempted to obtain my monthly statements from PayPal Credit to review my account activity and ensure the accuracy of my charges. However, I have been unable to access my account history online or through customer service representatives. This lack of transparency is frustrating and obstructs my ability to manage my finances effectively. 

Given these violations, I request that the CFPB investigate PayPal Credit 's practices and take appropriate action to ensure compliance with the FDCPA and FCRA. Furthermore, I urge PayPal Credit to provide me with the necessary documentation regarding my account, including all monthly statements and any validation of the debt they claim I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card

I have been sending in negotiable instruments to DISCOVER FINANCIAL SERVICES for my credit card for several months now. They have signed for via registered mail and green return receipt and kept every instruments I sent to tender my obligation. I have reason to believe their practices constitutes securities fraud based on what their SEC filings state and the return of a securitized audit.
Product: Debt collection

On my credit report a debt from Trident Asset Management regarding a check written in 2012. At the time I was separated from my husband and never wrote a check to the creditor, XXXX XXXX. His signature is on the check. They sent me a copy of it and I told them my signature is no where on there. They stated since my name was on check first I was responsible. I no nothing about the check. They refuse to delete it from my file. I spoke with them twice but to no avail.
Product: Credit card or prepaid card

Previously submitted this complaint and received a response which is not accurate from the company. The original complaint ID # is XXXX. The company responded they did not rec the fraud. I have submitted 2 different forms on 2 different occasions and as per an email they sent me the wrong form the first time and had me complete a second form. I don't understand why they say this is not being reimbursed due to a lack of fraud from submission. I have filed police reports, fraud reports, etc. Thanks