23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX placed a collection account on my credit report on XX/XX/XXXX. I responded by sending an FTC identity theft report because I don't have a contract with XXXX. XXXX responded by stating they were assigned an alleged debt of mine by XXXX XXXX. I never received any mail from XXXX XXXX or XXXX in regards to an alleged debt. Where is the proof a letter was mailed to me? There should be proof of delivery for the notice of assignment and my right to dispute an alleged debt as a consumer. Also, in accordance with the FCRA 15 USC 1692g, I'm requesting the following legal documents : XXXX. Your lawful authority to collect without my consent or XXXX. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature XXXX. An original contract between me and Absolute Resolutions Corporation with my wet signature XXXX. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement. XXXX. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA and FDCPA. XXXX. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service. XXXX. Proof that you have the chain of title to collect on this debt. Anything outside the scope of this evidence constitutes defamation of my character and I will be forced to take legal action against Absolute Resolutions Corporation. Under the FDCPA, you are required to provide me with proper validation of any debt that you are attempting to collect. A bill of sale between you and the original creditor and account statements does not legally bind me to pay you an alleged debt. Your failure to do so is being documented and will be forwarded to my legal representation. Please note that there was a XXXX judgment levied Portfolio Recovery Associates from the Consumer Financial Protection Bureau for misleading and deceptive practices, illegal tactics, negligence, and willful noncompliance.
Product: Debt collection

I received a phone call on XX/XX/2021 from Synerprise Consulting that I owed a debt. I responded by stating I wanted all communication about said debt to be conducted via mail only. I then sent a letter to Synerprise Consulting requesting validation of debt and for a copy of documents or contract containing my signature be forwarded directly to me.I also sent a letter to XXXX  Credit Bureau as well, who also stated the information was verified during investigation, XXXX  also FAILED to send me any documentation of validation of said account. Synerprise Consulting responded with a letter on stating they investigated the account and had verified it. They still failed to send any documentation at all that I requested. I sent a second letter on XX/XX/2021 request the information that the company failed to provide to me from the initial letter. Synerprise again sent me a letter with no validation or documentation that the debt they are requesting me to pay is a valid debt that I owe.
Product: Credit reporting

XXXX / XXXX / TRANS UNION ALL THE MAJOR CONSUMER CREDIT REPORTING AGENCIES ARE REPORTING FRAUD ACCOUNTS AND WILL NOT BLOCK OR REMOVE ITEMS AS OUTLINED BY LAW. PLEASE SEE ATTACHED DOCUMENTS AND POLICE REPORT ALONG WITH LETTERS FROM THE COMPANIES REPORTING NEGATIVE AND FRAUD ACCOUNTS. ALL ACCOUNTS REPORTED ON XXXX / XXXX / TRANS UNION SHOW FRAUD ACCOUNTS OPENED BY XXXX XXXX USING MY NAME / SS # / DL # AND XXXX XXXX XXXX XXXX BANKS ACCOUNTS THAT I 'VE BEEN EXONERATED OF ANY DEBT OR LIABILITY.
Product: Checking or savings account

I received a letter from M & T Bank, it was like a statement that stated an action as items returned. The amount was {$540.00}. The date this letter was issued is XXXX. I would have remembered doing or returning something in that amount, so I called M & T Bank to inquire. They told me it was identity theft and they caught it and made a note in their system that this was in fact not me! So now Im wondering if my information is all over the place. This bank did a great job in detecting it was fraudulent and sending me the letter. So I have no issue with the bank.
Product: Student loan

Just want to know if they still records of the account and are they still open from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by XXXX to validate a credit card application which I confirmed was fraudulent. I was advised to set up an alert with XXXX, XXXX and Transunion which I did. When I attempted to dispute the inquiry with Transunion I was told I must first file a claim with the FTC then mail the ruling to Transunion. FTC directed me here.
Product: Checking or savings account

Well Fargo was charging me over draft fees.XXXX
Product: Money transfer, virtual currency, or money service

Hello I am writing to formally express my concerns regarding XXXX XXXX  handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The XXXX XXXX findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Date of Late Payment : XX/XX/2024 On date XX/XX//2024, I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I never was late in my payments. For instance, I may have made my payment on time or there may have been a clerical error.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX
Product: Student loan

On XX/XX/2021, Navient was contacted to inform them that I was no longer employed ( I had just completed a XXXX internship which was a temporary position ) and therefore would be unable to make monthly payments until further notice. I requested a XXXX emergency forbearance due to my unemployment status, as most employers never responded and the ones that did only did so to notify me that another candidate was chosen despite submitting dozens of applications. However, this request was denied. 

The first agent responded by offering to lower the monthly payments to an approximate amount of {$760.00}. I informed the agent this would not resolve the issue as I had XXXX income at the time. I was then transferred to another agent and was told I can not be granted emergency forbearance. I informed the agent I have been responsibly making payments while I was employed and did not want to default. The agent responded by stating there is nothing she can do. 

I should have been granted emergency forbearance due to my XXXXt status. Paying $ XXXX when I was employed was already extremely difficult enough considering it was approximately 50 % of my monthly income. For perspective, my federal XXXX loans are on the income-based repayment plan and currently have a status of " XXXX XXXX XXXX '' - they have had this status long before the ongoing pandemic. To be expected to make a payment of $ XXXX in addition to " late '' fees once I resume payments is absurd. 

Moreover, despite making uninterrupted payments for the last 5 years I still owe a total of {$75000.00} in private XXXX loans. It appears the payments were applied on the interest and not on the principal balance. An amount of {$75000.00} in a XXXX repayment term would mean I would have to pay a minimum of $ XXXX not including interest. However, I have been required to make monthly payments of {$1000.00}. I do not understand how the extra {$620.00} comes from interest alone. 

In summation, Navient does not care whether or not borrowers are struggling with their student loan payments. If they did, they would offer more reasonable alternatives to delay and postpone payments during periods of economic hardship. Instead it is clear Navient only cares about quarterly earnings and their yearly revenue.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am formally disputing the in accurate information listed on my credit report. In accordance with 15 USC 681b and 15 USC 681c. I did not authorize the reporting or release of my personal information to the companies listed below : Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Current Balance : {$830.00} Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Current Balance : {$1900.00} Account Name XX/XX/XXXX Date Opened : XX/XX/XXXX Current Balance : {$380.00} HARD INQUIRES : XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 
Furthermore, there are unauthorized inquires on my credit report that I did not initiate, which constitutes as a case of identity theft. Pursuant to 18 USC 8 I do not owe any debt to these entities, and I demand the immediate deletion of these items and inquires in question to correct my credit report. Please address this matter promptly and confirm the removal of disputed entries
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 a hard credit inquiry was made on my credit report by XXXX XXXX XXXX XXXX. The only information I can get from Transunion is : XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX. When I call the number I get a recording that says '' XXXX XXXX   XXXX XXXX HAS exited THE wholesale mortgage channel ... thank you for calling XXXX XXXX XXXX XXXX '' and then hangs up. When I contacted Transunion they told me I had to contact the bank. I called Customer Service and Fraud prevention departments and since I do not have an account with XXXX XXXX, they say they can not help me. I want the inquiry removed from my credit report as I did not apply for anything. I have since requested a freeze on all 3 credit bureaus for my identity. In the meantime I want the fraudulent hard inquiry removed but no one will assist me in doing that. It did lower my score and if it happened to me it is probably happening to others.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




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
Product: Credit reporting or other personal consumer reports

A new collection popped up on my credit report XX/XX/2024 from XXXX XXXX XXXX XXXX First showing on XXXX. I disputed with XXXX and within a couple days it was removed and deleted from my XXXX  report. 
A day later XX/XX/2024 XXXX XXXX XXXX XXXX pops up on my Transunion report. I disputed this account with Transunion XX/XX/2024 with all the same supporting documents as I did with XXXX including the results from XXXX dispute. 
Transunion completed their investigation from what was sent to me as verified and remains on my Transunion credit report. 

This Is not my collection account. Transunion somehow is over 60 points lower than my other credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX-Date of Inquiry XX/XX/ XXXX XXXX XXXXDate of Inquiry XX/XX/ XXXX-Date of Inquiry XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I was contacted stating that I need to send payment for utilities or they would turn them off. I had to send the money through the XXXX app which I did. {$300.00} on the 1st transaction and then another {$100.00} for the second. After sending the money to XXXX XXXX I realized I had been scammed and contacted my back which is capital One. I immediately opened a case for both transactions and was told that I would receive my money back within 5 - 10 business days. I have the confirmation numbers for both cases as well as the emails from the bank. I contacted the bank on XXXX XXXX as I have still not heard anything in regards to this situation and was told that my disputes were denied and they would not do anything else for me.
Product: Payday loan, title loan, or personal loan

I took out a loan thought Title Max was not aware I would end up in this situation. I originally took out the loan on my car to help with rent. After I seen the the interest rate it was impossible to pay back within XXXX  days  I asked if their was something I could do like and extension they said no and no partial payment so I had to pay with my rent money to keep my car and now facing eviction
Product: Bank account or service

I opened a Citigold checking account XX/XX/2016 with the targeted XXXX code for XXXX XXXX XXXX miles. The promotion required {$1000.00} in debit card purchases and 2 consecutive months of bills paid online. I fulfilled these requirements in XX/XX/XXXX, and was told that I would receive my miles in my account by XX/XX/XXXX. I received written confirmation via live chat that I was qualified and eligible, and also have the results of an investigation that confirmed I was eligible. I was told both times that I would receive the miles within 90 days of my last qualifying purchase ( in XX/XX/XXXX ). However, it is past when I should have received them and I am being told that I there is yet another review going on to see if I am eligible. In the meantime, I have been charged service fees twice while waiting.
Product: Bank account or service

I signed up at Citibank for their " CitiGold '' account. When I did so, they promised me XXXX XXXX XXXX miles as a signup bonus. I met all the terms of their deal, including making automatic payments from the account for 2 months, and making over {$1000.00} in debit card payments. Six months later, after repeatedly telling me that they would post the airline miles to my account, they changed their mind and told me they had no intention of honoring the deal they had signed, and that nothing could be done to obtain any resolution. Citibank charges an extraordinary $ XXXX/month fee for this account, and the account is only worth it based on the deal that they offered. Failing to meet the terms of the deal is simply theft on the part of Citibank.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX
Product: Debt collection

I mailed proof that I owed a {$0.00} balance with my apartments. ProCollect has since been harassing me daily even after the proof showing that I do not owe my apartments. I want this company to cease and desist from contacting me immediately and I need your help! Thank you
Product: Credit reporting or other personal consumer reports

My issue is with Equifax. I filed a dispute with Equifax to investigate the account balance on my XXXXept of EducationXXXX XXXX XXXX All student loans are discharged and the balance is {$0.00}. Equifax sends me information on XXXX XXXX XXXX. I didn't ask for information to be disputed on XXXX XXXX XXXX. I provided supporting documentation from the student loan lender to show evidence that the balance is {$0.00}. Why are they not doing their job and investigate the correct information?
Product: Debt collection

I contacted Paypal Credit onXX/XX/XXXX via email to stop contacting me via telephone and to only contact me via USPS mail or email. I also sent a letter via USPS onXX/XX/XXXX requesting the same information. Paypal Credit responded to me onXX/XX/XXXX so I know they received my email however, they continue to contact me via their auto-dialer/telephone calls. Multiple calls occurring per day since XX/XX/XXXX
Product: Checking or savings account

I opened a XXXX checking account on XX/XX/XXXX. I transferred money from my individual brokerage account at XXXX to fund the new account. My checking account has been frozen since XX/XX/XXXX when the deposit was made. It is now XX/XX/XXXX. I have called multiple times and they just say theyre working on it. No one has reached out to me. My funds are still frozen over what seems like a very routine transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX Inquired on XX/XX/2XXXX XXXX XXXX XXXX Inquired oXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$490.00}
Product: Debt collection

LVNV threatened me about debit on behalf of credit card that was obtained by identity theft. I sent information once I knew this was an issue due to a lawsuit. I have sent documentation and they are still sending threatening letters and calls about balances that were not created by myself! My credit report has been severely damaged and impacted.
Product: Credit reporting or other personal consumer reports

The company did not provide details about how the investigations were conducted, what information and evidence was provided to support the judgement.
Product: Money transfer, virtual currency, or money service

I am filing a complaint cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate the customer financial protection act ( cfpa ) specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable, and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation e. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Debt collection

I noticed unauthorized accounts on my report, likely due to fraud. Please remove and block them without delay.
Product: Debt collection

There are FOUR Collection agencies who refuse to give me written original debt validation : XXXX XXXX - {$650.00} XXXX XXXX- {$460.00} XXXX {$160.00} Credence Resource Management- {$410.00} Most recent : Contacted via telephone XX/XX/year> I've contacted XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/year> Disputed with no success. These debt collectors just say I owe, but refuse to give me original written validation of debt from the creditors.
Product: Vehicle loan or lease

The problem : In XX/XX/2018, we returned a car that we had leased. The leasing company is billing us for the property tax on the car for the entire 2018 year. When asked why not just bill us for the 4 months i.e., XXXX, and not for the whole year, the response was that the state had billed the company for the full year ( probably in XX/XX/2018 ) and so this was the company policy. The leasing company states that they have applied to the State for a refund ( after we questioned the bill ) but that we have to pay in any case and they will send us the credit when it arrives. The Leasing Company : XXXX XXXX XXXX The State : Virginia The amount : {$380.00}
Product: Debt collection

I have put in for disputes I recently XX/XX/XXXX Have received a call from my parents home about being served papers of a court summons dates XX/XX/XXXX Not giving me the proper timing to respond This has shown on my credit report by two different collectors I have no idea the debt their collecting And frankly feel like their fraudulently doing this ... 


Last year XXXX XXXX XXXX asked me to pay a large lump sum through some account I did and its still on my report after sending XXXX two years ago its still there .... 

So this makes me feel like this maybe something similar that their trying to pocket money for a XXXX XXXX I do not recall any loans from this bank
Product: Debt collection

Department of education/ Nelnet has been reporting false information to my credit and also trying to collect on several accounts that do not belong to me, I have mailed letters to them and also the credit Companies with no resolution. I have also requested verification from both parties and no legitimate documents have been sent to verify that these account belong to me.