23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The revenue group which says they are from the Ohio attorney general office claims I ( or my business they refuse to tell me which ) didnt pay state sales tax back in XXXX I informed them this is a mistake I this was a very small business and my average collected sales tax was only a few dollars a month and I never missed or was late on my remittances. 

They claim I ( or my business ) owns them over XXXX dollars! 

I make XXXX dollars a week and can not afford legal help my business closes on XXXX
Product: Debt collection

XXXX XXXX has continued to sell this account to multiple debt collectors and I have been called 15 times a day starting at XXXX through XXXX hours. I have filed a police report stating that this debt is not mine and that my identity was stolen. I have completed all copies that XXXX wireless as required but I still get harassing letters and telephone calls. The latest company is Diversified Consultants , Inc and XXXX XXXX XXXX XXXX. They refuse to listen and my credit is being negatively affected by this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted a complaint in this matter to XXXX XXXX  Card Services XXXX Complaint ID XXXX XXXX XXXX. Today I spoke with " XXXX XXXX Executive Offices '' who referred to me to " XXXX Collections ''. There it was explained to me that the payment relief programs I applied for are reporting me as " delinquent '' for XXXX and XXXX XXXX  even though I made automatic payment arrangements as advised. I now believe the COVOD hardship payment information I was given by " XXXX Card Services '' was misleading and unclear. My credit is being harmed by this incorrect information. XXXX Card Services should provide clear information to customers who are suffering COVID hardships such as myself so that they better understand their options and make informed decisions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracy in my credit report. Despite my submissions that consistently responds within 24 hrs stating the account is accurate without providing any evidence of a throughly investigation, This practice violates The Fair Credit Reporting Act ( FCRA ), 15 U.S.C 168XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection ( CFPA ), 12 U.S.C. 536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the ( CFPB ) recent administrative proceedings File No. ( XXXX ) against them for similar violations. I request that the CFPB take action that XXXX complies with federal law and provides consumer with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated : XXXX XXXX The inaccuracies are highly injurious to my credit score. In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Credit reporting or other personal consumer reports

This is a follow up to further demand removal of 4 fraudulent accounts that are listed on my credit report. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report 4 fraudulent accounts appearing on my consumer FICO TRANSUNION credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of 4 hard inquiries :, XXXX XXXX  XXXX CARD on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX  XXXX XXXX on XX/XX/XXXX. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month for XX/XX/2021. I was dealing with XXXX  XXXX XXXX complications but was able to submit my payment through flagstar online payment portal for some reason they are saying that they didn't receive the payment when I made the payment. They have added a late remark on my credit reporting when the payment was made. I would like the remark removed especially since I logged in to pay. They have no sympathy for anyone especially since I was sick and still managed to pay them throughout the entire Pandemic. This is not Company that is for the people.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is completely unacceptable that after continuous disputes sent on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and opportunities I've given to XXXX XXXX XXXX and Experian XXXX continue to report inaccurate and unverifiable information to my credit reports. I feel completely violated of my rights and they aren't following proper procedures by deleting errors from my reports. 

The credit bureaus continue to report the following items below in total error and refuse to remove them as a result of their claimed investigation that they clearly didn't do.. I have sent multiple letters since middle of XX/XX/XXXX, each month and they continue to report false negative items on my report. There are inaccurate addresses and employer information listed on my reports. I provided them with full proof of address and proof of photo ID as they require Multiple inaccurate inquiries that I did not authorize EVER and were not applications I submitted for credit or loans. These errors of inquiries I did not make or authorize with XXXX XXXX XXXX  XX/XX/XXXX - I didn't authorize this and its inaccuarate old info that needs to be removed from my report XXXX XXXX XXXX XX/XX/XXXX - I didn't authorize this and its inaccurate old info that needs to be removed from my report XXXX XX/XX/XXXX - I didn't authorize this and this information is inaccurate The other accounts they continue to report in total error that need to be deleted from my credit reports are XXXX XXXX Acct XXXX, AD XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX SVCS # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX I have not XXXX ANY verification of how these bureaus have verified that this information is accurate on these accounts with the original company that they claim furnished this info to them and clearly see errors in how they are being reported. There is no justification and this ridiculous. As a knowledgeable consumer, I think its terrible how they use all these stalling measures and act like I'm not who I say I am to avoid having to be held accountable to removing these errors ASAP from my reports. This is affecting my life unnecessarily.
Product: Checking or savings account

To Whom It May Concern, My name is XXXX XXXX, and I am writing to file a formal complaint regarding the mishandling of a fraud case associated with my Navy Federal Credit Union account. 

In 2019, I experienced significant fraud involving my Navy Federal Bank account. Following this incident, I went through a robbery where all my personal items were stolen, including my Social Security Number ( SSN ), driver 's license, bank, and credit cards. The theft of these items led to fraudulent activities across multiple accounts. 

Although I promptly reported the fraud and filed a police report a few years later, Navy Federal Credit Union has refused to address the fraudulent activity on my account. I initially hoped that by contacting the bank directly, they would resolve the issue, but my requests were denied. I subsequently filed an appeal, which was also denied without any evidence linking me to the fraudulent activity. 

I have attached copies of my appeal denial and the police report for your review. Despite my ongoing efforts, Navy Federal Credit Union has failed to provide a satisfactory resolution or address the fraud on my account. 

I request that the Consumer Financial Protection Bureau investigate this matter and assist in resolving the issue. The continued refusal to rectify the fraudulent charges on my account and the denial of my appeal without evidence is unacceptable. 

Thank you for your attention to this matter. 

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

On XX/XX/2021 Credit reports were ordered from the three major credit reporting agencies. Once again Equifax refuses to provide credit report as they have refused before and will only comply with a formal complaint to CFPB. XXXX and XXXX  have sent the reports without prejudice. Equifax has refused to send my report year after year in violation of federal law.
Product: Debt collection

Debt collector agreed to delete the debt once paid in full. Files are attached.
Product: Student loan

I was transferred to XXXX from XXXX last year after applying for Public Service Loan Forgiveness.  I have always made my payments on time and intend to continue to do so. On XX/XX/2017, I received notice that I needed to recertify my income to stay on the Income Driven Repayment Plan. I uploaded and mailed the recert papers to them before 30 days had passed. Just a couple of days after uploading, I received a notice that since I had not submitted the papers, my XX/XX/XXXX payment would be $ XX/XX/XXXX- more than 1/4 of my income! 
After many calls and reassurances that they had the papers and would be processing them soon, they did take out that entire amount from bank account. I had to borrow money just to keep living. I would appreciate it if they would refund the amount paid less the amount of my regular payment.

I recently submitted a change to direct debit form after changing my bank, and they still have not processed that. I'm sure that they'll XXXX that up too and put me down as late.

Each time I contact them I am assured that everything is fine.

I'm looking for another servicer-
Product: Student loan

I attempted to enroll in Auto-Pay with Aidvantage for my student loans on XX/XX/2023. I am still not enrolled in Auto-Pay, and as a result, I am being charged an interest rate that is 0.25 % higher than the interest rate that I should be charged. This issue has been ongoing for almost XXXX  months with no clear response from Aidvantage and no resolution. I have reached out to the company numerous times through numerous channels. I waited at least an hour on hold each time I reached out to customer service. The chat functionality on the website is almost always down and not functioning. Emails take XXXX  days to be responded to on average.
Product: Debt collection

I was contact by Conserv XXXX ( a governement debt collection agency ) regarding a housing and tuition debt through the VA. The women ( XXXX ) on the phone contacted me at my place of employment and kept saying she was calling on behalf of the United States Treasury Department. She repeated the name several times in an attempt to scare me. She used a very stern voice as she repeated " The United States Treasury Dept '' many times. I explained to her that I was going through a divorce and was a victim of XXXX  XXXX and I was trying to get my affairs in order. I asked her if there were any hardship programs or anything available to me to help resolve this isse. She said no that I was beyond that point and needed to set up a payment plan immediately. She updated my monthly income and monthly expenses. After doing so she offered me a payment plan at over {$900.00} a month for 24 months. I told her that was completely unaffordable, she then said the longest she could go is 36 months for $ XXXX a month. I told her that was still unaffordable. She said that's the best she could do. I told her I couldn't start making payment until XX/XX/XXXX and she insisted I start on XX/XX/XXXX. After I told her I couldn't commit to that she said ok that the calls collection action would continue. After she got coerced the information out of me and was closing the call her tone of voice was completely different and even friendly. 

The issue I have with this is she seemed as though she was trying to impersonate some sort of collector from the US Govnernment becuase she kept saying " US department of Treasury during the call, the plan she offered DID NOT taking any of my shelter, utitilities or food costs into consideration and I felt completely scammed after dealing with her because of the sense of urgency she tried to set. After doing research to see if they were a legit company I see they pride themselves in being the # 1 in getting results. That's because they use deceptive practices to con people into commiting to something that isn't feasable in an attempt to meet their collection numbers. She did not help me come up with any kind of plan that would help me resolve this debt taking into consideration my living expenses. I also see where the department of treasury goes longer than 36 months for payment plans after she told me she would check with her " manager '' then comes back on the phone to say no they don't go longer. If they company did this to me then they are certainly using scare tactics on other people. Not only did they call to collect balance due which I understand I'm responsible for and want to make good, they tacked on over {$8000.00} in " admin '' fees. 
I'm obviously struggling with the actual debt but then adding the admin fees on top doubled the amount I owed and made the payment plan unaffordable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting accounts that have no right to be on my consumer report and ignoring my request for copies of consumer applications in my file that was sent to them for verification. I sent a letter on XX/XX/2018 along with a notary proving I am the person sending this letter through USPS certified mail. In that letter I stated that this was a request for information and it is NOT A DISPUTE LETTER. Since all consumer applications must be verified, copied, and retain in the consumer file, I asked for the consumer applications for the accounts listed in the letter. I on XX/XX/2018, I received a letter stating the results of dispute investigation. Instead of providing the requested information, Experian opened disputes against these accounts. WHY WERE DISPUTES OPENED WHEN I STATED THIS WASN'T A DISPUTE LETTER? AND WHAT FALSE DISPUTE CLAIM DID EXPERIAN SEND TO THE FURNISHERS? No dispute should have been made. If I did dispute, it would be with Experian for being Non-Compliant with the FCRA.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XXXX/XXXX/XXXX
Product: Debt collection

Repeated phone calls to me and my spouse. Told my spouse I would be sued as well as disclosing account information to my spouse, whom I married after the debt was granted to me and I 'm collection. Settled with the company and made 2 payments of one for {$400.00} on XXXX/XXXX/2017 and another payment of {$270.00} on XXXX/XXXX/2017.  Unfortunately, I could not keep up with my payments due to my current hardship and the agency persisted on calling my spouse and I. Most Recent Phone calls to myself : XXXX/XXXX/17 XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX/XXXX/17 XXXX XXXX. The agency usually contacted my wife on those same days as they contacted me. XXXX/XXXX/17 XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX/XXXX/17 XXXX XXXX. As well as more repeated calls that I can not provide at this time. I would need to contact my mobile carrier. The phone calls also always came in different numbers with a ( XXXX ) area code.
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist and Dispute of Debt Collection Reporting To Whom It May Concern, This letter serves as a formal dispute of the debt you are attempting to collect and as a notification that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), to request that you cease all further communication with me regarding this alleged debt. Additionally, I am disputing the accuracy of the reporting of this debt on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ). 

The debt in question is as follows : XXXX. Account Name : XXXX XXXX XXXX Amount Alleged Owed : {$270.00} XXXX. Account Name : XXXX XXXX XXXX Amount Alleged Owed : {$500.00} XXXX. Account Name : XXXX XXXX XXXX Amount Alleged Owed : {$580.00} Request to Cease Communication Under 15 USC 1692c ( c ), you are hereby notified to cease all communication with me regarding this debt. Any further communication, other than those allowed by law, will be considered a violation of the FDCPA and subject to legal action.

Dispute of Debt and Reporting I dispute the validity of this debt and the accuracy of its reporting on my credit report. The Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), requires that credit reporting agencies maintain maximum possible accuracy in their reporting. If you can not provide verifiable proof that this debt is valid and belongs to me, it must be removed from my credit report immediately.

Action Requested Provide Validation : Send me documentation validating the debt, including the original contract and payment history.

Cease Communication : Cease all further attempts to contact me regarding this debt as per 15 USC 1692c ( c ).

Update Credit Report : If the debt can not be verified, remove it from my credit report and confirm in writing that it has been deleted.

Please consider this letter a formal dispute under both the FDCPA and FCRA. Failure to comply with these laws will leave me no choice but to report your violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Thank you for your immediate attention to this matter. I look forward to receiving your response within the timeframe required by law. If you need further information, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, XXXX XXXX
Product: Debt collection

I, XXXX XXXX, a federally protected consumer has attempted to reach out to LVNV FUNDING to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/2022 and have yet to receive the information requested from the company. I have never signed a contract with LVNV Funding and do not owe this alleged debt. This has violated my consumer rights and disregarded my attempts to assess the alleged debt.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.