23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Today, XX/XX/XXXX, I received a letter from Navy Federal Credit Union requesting that I pay a debt of {$5400.00}. However, I have no knowledge of where this debt has came from. Upon checking my Credit with XXXX, I can see that the Navy federal account, along with XXXX other accounts were all maxed out and unpaid. The Navy Federal account was opened in XX/XX/XXXX ; I'm guessing it was by my mother because I didn't open my first debit card account until XXXX of XXXX. When I did open my debit card account with XXXX, my mother told me that I would be " on her credit '' and that she would hold onto my cards. When she told me this, I had just turned XXXX and knew relatively nothing about credit. Moreover, I just assumed it was similar to having a student banking account. I suspect that she has been using my credit for her own sake. When I moved away from home to start college at XXXX in XXXX, I still didn't have access to these credit cards. While she had them, I can see that she was paying them off on time up until XXXX. We had a falling out and my parents left me to provide for myself. Because they were paying my phone bill and stopped so suddenly, I had to save up for a new phone ; I ended up losing her contact information. My mother also blocked me on all social media, leaving me with no way of contacting her on the matter. After this falling out the cards associated with my name have all were maxed out and haven't been paid off since. I have tried to file for identity theft this past summer and have spoken to my XXXX about the situation ; however, I don't think it filed it correctly. Just for informational purposes, the other XXXX accounts were : a XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX ), a XXXX XXXXXXXX XXXX XXXX  ( opened XX/XX/XXXX ), and a XXXX XXXX XXXX ( opened XX/XX/XXXX ). There is also an XXXX card under my name that has been terminated and that I didn't open.
Product: Debt collection

For the year XXXX  I was insured with XXXX XXXX. On XX/XX/ we XXXX  our son XXXX XXXX, Which was insured under my wife insurance. XXXX XXXX. 

Most of the bill the hospital charge have been paid after going to appeal process. 
We meet the maximum out to the pocket contribution for the year. Therefore XXXX XXXX is Obligated to pay. XXXX XXXX has not being consistent on the way they pay providers therefore this account is unpaid. 

I open an appeal case XXXX XXXX acknowledge the mistake. Therefore I am not liable for this debt. XXXX XXXX agree to make the payments necessaries to XXXX XXXX Hostpital
Product: Debt collection

Received a number of calls from someone claiming to be from Nationwide Mediation services indicating they are an arbitration officers for a firm planning to file suit at the XXXX County court. They will not divulge the original creditor and have called various family members whom I have n't spoken to or seen in several years. They continue to call and when I return the call the number is either busy or does n't connect. I have received no mail or certified mailings or summons or have been served at my residence or business.
Product: Credit reporting or other personal consumer reports

I received an alert from XXXX XXXX about a hard inquiry that I dont recognize from care credit. I didnt do it.
Product: Debt collection

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable. I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB I am writing to dispute a number of inquiries that were made on my credit report without my authorization. I have recently received my credit report from XXXX, XXXX, Equifax and I noticed that there were several inquiries made by companies that I did not approve or authorize. 


I have not applied for credit, nor have I given permission to any party to access my credit information for any reason. As a responsible consumer, I regularly check my credit report for signs of identity theft or any other issues that could negatively impact my credit score. 

I understand that there are certain circumstances where inquiries may be made without express authorization, such as when applying for a mortgage or other types of loans. However, none of these circumstances apply to the inquiries in question. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Illinois 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 XXXXXXXX I am requesting that these inquiries be investigated and removed from my credit report as soon as possible. I would appreciate it if you could inform me of the outcome of your investigation regarding this matter.

Thank you in advance for your assistance in this matter.

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to this Credit bureau. 
However the credit bureaus said they completed the investigation and everything was 100 % accurate.

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX is my student loan servicer. 

2. They are reporting my student loan status to XXXX  and XXXX  as " Paid or paying as agreed. '' which is correct BUT to Experian as " Was delinquent 180 days or more past due date. '' which is NOT correct! 

3. I wrote XXXX in XX/XX/2021 and asked for a summary of the months where they claim I was 180 days delinquent. Their attached letter is dated XX/XX/2021 (? ) and addressed to someone named 'XXXX '. It is not responsive to my request. 

4. I wrote Experian to dispute the incorrect information. They responded saying that XXXX has confirmed the entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are being reported on my credit and are incorrect and not accurate. 

XXXX XXXX XXXX XX/XX/2023 {$1100.00} XXXX XXXX XXXX XXXX  XX/XX/2023 {$180.00} XXXX XXXXXXXX XXXX XXXX  XX/XX/2023 {$75.00}
Product: Debt collection

As of my knowledge, collector attempting to illegally collect the debt which I do not owe. 
Letter requesting validation of the debt will be send via certified and first class mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am XXXX. I took out a student loan to attend XXXX XXXX. I had to stop going to the university because of my XXXX and when I tried to make payment arrangements to repay my student loans, they attached my social security payment and then I have paid about {$2000.00} due to the garnishment. Then I tried to have it forgiven by the department of education and I called the social security office and was told that I couldnt get the form required because they ( social security office ) was closed due to the pandemic and then due to the pandemic, my garnishment was suspended and now under the cares act ordered by president Biden, my student loans have been forgiven but they are still listed as delinquent and unpaid on my credit report! Can you please help me??
Product: Vehicle loan or lease

I bought a XXXX XXXXXXXX XXXX from XXXX in XXXX, Florida for {$36000.00} after the 72 month term back in XXXX. I did not receive my vehicle until XXXX because their salesman XXXX XXXX said they had someone in house that they typically used for delivery. When I agreed to using their person, I received the run around for 4+ days! I am located in the state of Indiana where the dealer offered to send papers via mail because this was their policy. The papers I received was a stack of about t least 15 pages. When I received the car, the vehicle smelled of water in the vents to which the delivery driver noted, communicated with the dealership and also told me I should follow up in which I did. I received verbal reassurance from the salesman I dealt with ( XXXX ). In addition, The Bluetooth wire had clear signs of water in the line because it would play or connect longer than 30 minutes. The Bluetooth ironically did the same! After taking it for an inspection, weve been told that there is signs of mold in the carpet fibers, the reverse tail light was cracked and had water in it prior to receiving it, the right passenger wheel at the back panel was slit and the struts were clearly tampered with and still RUSTED! The brakes were changed, but the back brakes and routers showed clear signs of rust. In addition to this, Ive been asking for a copy of the documents that I signed to where they insist that they have nothing but ONE paper and my lender has everything and my lender says vice versa! They even billed me {$3000.00} for a gap addendum I did not select the service for but was told to sign so that they know I viewed all papers. All of these communications and accusations do come with pictures and a full report as well! Medical records will be given to attorneys and any individual handling this case!
Product: Debt collection

XXXX XXXX XXXX is aggressively attempting to collect on debt that is not mine! They started calling me last year stating I owed them {$4000.00} for some apartment complex. When I contacted apartment they showed me contract that had my name but did NOT have my signature or date of birth and I never lived there!!!! this was not my debt to begin with. however national credit systems keeps calling me at XXXX till after XXXX threatening to send sheriff to my house, sue me and to arrest me .... I tried to reason and was even willing to pay in settlement to make them go away but they came back stating that I owed on XXXX different accounts to them now ... this is a scam and should not be legal. they provided me with some leases that I never signed or resided at the complexes. Now they are calling my relatives, work and even got a hold of my co-worker this is absurd and unacceptable!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute with the company EQUIFAX and have entered all of my information needed to file a dispute. When it comes to the portion when it asks you to upload your documents it will not allow me to upload the police reports I obtained for these fraudulent accounts
Product: Mortgage

Bank of America processed a predatory loan modification on my arm loan in XXXX ( which was originated in XXXX ). 
In the modification they tack on {$27000.00} for late fees and back payment, and also 18 more years to the back end of the loan. 
No one ever spoke to me about the ramifications of what this modification was doing to the length of the original loan. Everything was done by fax. 
I was under does because my husband had died and I was on XXXX and I did n't want to be homeless. 

Then they SOLD my loan off to BURY what they had done. For future audit purposes. 

In XXXX, they SOLD my loan off to XXXX ( now XXXX ) who now informs me that it is over a 50 years on the loan. 

This was supposed to be a loan to help me not lose my home and not go homeless. What they did and processed is unethical and predatory business practice. 

I 'm writing to you for help and direction in correcting the wrong that has been done. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am following a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices which violates the consumer financial protection act ( XXXX ). Specifically Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotect. Furthermore, they dispute resolution process, was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Payday loan, title loan, personal loan, or advance loan

I have called the XXXX and went to Web site to make a final payment. No one answers the phone in fact I get a msg. " The XXXX XXXX XXXX closed it's business and no customer service is available ''. At the Web site I get the payoff information is available but there is no link to make a payment. However, the balance is increasing do to the interest. I do not need this to go on my credit report for non payment or collections. I have tried multiple times over the past month and a half. I do not know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX acct # : XXXX account balance : {$2700.00} XXXX XXXX XXXX acct # : XXXX account balance : {$1900.00} 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. 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 a 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 or other personal consumer reports

Im deeply disappointed and upset to find unauthorized inquiries on my credit report this evening. I check my report regularly, but this time there were unexpected discrepancies. I tried refreshing my browser, hoping it was just a glitch, but the inquiries remained. I need these documents reviewed thoroughly to ensure I never have to worry about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's data breach and loss has now put my SSN and all personal information at risk. It is impossible to talk past the automatic answering system. In addition, management thinks they did us all a great service by offering fraud and loss protection for a year for free. Here is my take on it. They make you sign up for it. It should be their job to sign everyone affected up automatically. It should continue until there is no longer a threat to our financial lives, not just a year. There should be serious discussion on how to fix the SSN breach, either a random number generator using alphanumeric to cross reference every SSN affected, or just issue new numbers using a new method. I am concerned about their lack of concern for me. Their take it or leave it attitude, especially since I did n't ask them to use their service, nor have I ever personally given them my information. The general public needs an advocate and your group can now show us all what your made of. Speak up, create change, and hold management responsible. Someone at the top should be fired, and many should be taken to court.
Product: Student loan

I have been working with Sallie Mae on my current student loans and from XXXX of 2017 to current. They have received information from public records and have been harassing my ex-family members. They have not been authorized to use this information and it was not given to them by me or the co-signers on my loan. I believe they are taking private information of people I may know and using it without their knowledge. Sallie Mae is already under a class action lawsuit.
Product: Credit reporting or other personal consumer reports

RE : RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXXXXXX XXXX, XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by TransUnion, XXXX, XXXX. TransUnion, XXXX, XXXX has violated my consumer rights and violated federal law. This is multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent in a dispute letter to Transunion Disputing INACCURATE information that is being Furnished on my credit report, I didn't get a response & now I feel very frustrated with their efforts. I even called to get an update on the status of my disputes with still NO response from the company. 

The following Innacurate Accounts are INACCURATE. 

XXXXXXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXXXXXX XXXX XXXX ACCT # XXXX
Product: Debt collection

What happened : On XX/XX/year>, I sent two formal Cease Communication Requests to Cavalry Portfolio Services under the Fair Debt Collection Practices Act ( FDCPA ). These requests clearly instructed Cavalry to cease all forms of communication with me regarding two debts : one for {$1400.00} and another for {$1300.00}. I took this action to protect my rights under the FDCPA and to stop any further unwanted contact from Cavalry.

Despite my clear and legally binding requests, Cavalry Portfolio Services has continued to contact me, in direct violation of the FDCPA. This ongoing communication is not only unwanted but is also a breach of federal law, which explicitly prohibits debt collectors from contacting individuals after a Cease Communication Request has been submitted.

In response to my requests, Cavalry ignored the substance of my Cease Communication Requests and instead sent letters that sought additional information, which was neither relevant nor appropriate given the context. These letters demonstrate a disregard for my legal rights and appear to be an attempt to sidestep the protections afforded to me under the FDCPA. 

This improper conduct has caused significant distress, as I believed that my rights would be respected and that further communication would cease. Instead, Cavalry 's continued attempts to engage with me have created unnecessary stress and confusion, impacting my well-being and peace of mind.

I am filing this complaint to request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to investigate Cavalry Portfolio Services for their violations of the FDCPA. I further request that Cavalry be required to cease all future communication with me regarding these debts and that any negative information they have reported to credit bureaus be thoroughly reviewed and corrected. Additionally, I ask that Cavalry provide written confirmation that they will comply with my original Cease Communication Requests and that they have taken steps to ensure such violations do not occur in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a late payment in XXXX, 2018 on the XXXX XXXX account number XXXX. ( Please see page 2 from the credit report attached. ) This account was closed in XXXX, 2018 and reports a {$0.00} balance due. This incorrect coding and falsely reporting a late payment on this account is harming my credit score. Please delete this item from my credit report and/or change the coding error.