23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, natural person and original creditor contacted NAVY FEDERAL CREDIT UNION in writing on XX/XX/2021 requesting that said company validate this alleged debt and also sent them a cease and desist letter asking that they stop contacting me. NAVY FEDERAL CREDIT UNION received all documents on XX/XX/2021. NAVY FEDERAL CREDIT has yet to respond and has continued to send statements after documents were received. NAVY FEDERAL CREDIT UNION has failed to report this alleged debt as disputed pursuant to 15 USC 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 
NAVY FEDERAL CREDIT UNION was given 30 days to validate this alleged debt and has failed to do so. 
I have been harmed by NAVY FEDERAL CREDIT UNION and also my credit report and file has been damaged due to NAVY FEDERAL CREDIT UNION housing unvalidated and unverified information and therefore they are civilly liable to pay me for the damages.
Product: Debt collection

I have an active loan with OneMain Financial dating back to XX/XX/2021. I have been making payments on the loan every month since then. However, I have huge regrets taking out this loan and dealing with this company. Going back to XXXX this year I have been hit with repeated phone calls hounding me trying to collect money. I am doing everything in my power to repay this loan but that is harassment what they are doing. The final straw for me is when they called my phone today, a weekend morning. Any other creditor I have dealt with has never made harassing phone calls. If anything they communicate with me through email. I have call logs to back OneMain 's ridiculous amounts of calls they have made to me over the last few months. It's bad enough that my balance with them is hardly going down after making monthly installments, but that's a whole another issue. I have every intention to pay this loan off to the best of my ability but the nagging calls have got to stop. Thanks for taking the time out to address this issue and have a great weekend.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX Dear XXXX, XXXX received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX I was never late on this account and its violating 15 U.S. Code 1681a - Definitions ; rules of construction and its making a hardship on my life not eing able to extend my credit extend my credit By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

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

I would like to add additional information and new attachments to a complaint I just made moments ago. [ Complaint ID XXXX ] : [ DO NOT MARK THIS AS A DUPLICATE BECAUSE IT IS NOT ]. I have enclosed a copy of that complaint as well, in which I disputed the following items : XXXX XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. I am just realizing a few documents failed to attach. Exhibit 1 : Proof of delivery showing that my most recent letter to Experian was left with an agent of the company. [ Experian did not follow procedure upon disputed accuracy. It has been over 45 days and I have yet to receive any investigation results, nor a copy of my credit report ] Exhibit 2 : Excerpt from my Experian credit report, proving AGAIN, that XXXX XXXX XXXX is providing inaccurate data, and continues to provide inaccurate data to the Credit Reporting Agencies. [ SOMEHOW no matter what evidence I mail to Experian, they have not deleted this item! Please delete it ] Exhibit XXXX : Copy of XXXX reporting 30 days late, then a charge off, then nothing! Incomplete and inaccurate data. Please delete this item. Exhibit 4 : XXXX XXXX XXXX reporting inaccurate and incomplete data. Federal law states that my credit report is to be 100 % accurate and truthful, therefore I am asking that you to please have these item deleted from my credit report.
Product: Credit reporting

On XXXX XXXX. 2016 I received a letter to XXXX credit regarding several inquiries on my Equifax credit report. I had sent them a letter disputing these inquiries. The letter to stated that I should dispute these directly with Equifax. I did dispute these along with many others which I did not authorize. On XXXX XXXX, 2016 I received a letter from Equifax stating I should dispute these with XXXX. I sent Equifax a copy of the letter I received from XXXX credit. I am not sure why they refused to investigate thesee inquiries, the letter said these were a matter of record and I should dispute these with XXXX credit. I sent a copy of the original XXXX response letter and a copy of the letter I received from Equifax to XXXX again. Once again I have received a letter from XXXX stating that these should be disputed via Equifax. This cycle is kind of like a puppy chasing its tail. Equifax is making it impossible to dispute the inquiries I sent in letter for. I believe the only way to get them to do their jobs it to file a complaint. I want Equifax to finally dispute the inquiries I sent them letters for.
Product: Debt collection

XXXX contacted me to state that I had opened an account under my XXXX name ( XXXX ) at an address close to one I had lived in years before-but not the exact address. I have been using my married name for over 13 years and the account was opened after I was married and using the name XXXX. I told XXXX I did not open the account and told them that the address was incorrect as well as in my maiden name. I was told it was all set however I have recently received letters from Unifin collection agency stating that they bought the XXXX debt and were looking to collect. I told them the same information and asked them to verify the account. The original account was never put on my credit report, nor has the current account, yet. 
This account was open fraudulently.
Product: Checking or savings account

This is the third time I have tried to get Truist bank to give me past bank statements demanded by Social Security XXXX. Without these bank statements from a closed account I am going to lose my benefits starting next month. XXXX from Truist called me twice over the past few weeks and all she does is lie to me and give me lip service and tell me the statements are in the mail. 

Today Social Security said if I dont have the statements next week theyre going to stop my benefits. Ive left several messages with XXXX from Truist and she never calls me back
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX XXXX : XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$200.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Checking or savings account

Hello, On XX/XX/XXXX my account was put on hold while trying to get a cashier 's check from my bank. The branch manager stated they're a government institution and need to vet funds sent from the government. I was a bit confused and taken back with the blatant lie so I responded the sba approved the loans which are government funds by a government institution. I couldn't believe she told me that capital one was a government institution affiliated with the sba and could make final decisions on holding loans an they're over the sba. I ask if I can make a cash withdrawal she tell me I can't until they verify where the loans came since they wasn't sent to a business account even though it clearly says lender name Sba. she tell me this is normal and verification is 1 to 2 days. We go back and forth I ask what will they need to verify she give me a number to call and explain she doesn't know and can't take documents. I call the number and XXXX is confused as me and couldn't tell me what documents he needed to verify I gave a guess will closing documents he tell me I'm the smartest person he's talked to. he gives me an email XXXX send my closing documents proving the sba approved my lender to send funds. I call the next day hit a dead end but get my case number and this XXXX XXXX told me resend the email with the case number XXXX. I continue to call and got a very rude supervisor XXXX week 2 she told me they would end our relationship and send my funds back and she was processing the return as we spoke I asked for a timeline she said she can't tell me that. After a little common sense back and forth she say she can't tell me a timeline since my case was still in review. I asked if I could speak with someone over her since she just lied to me she declined me several times telling me i can't speak with anyone over her. " There's no on over me you can speak with. '' She did let me know my documents had been received. She asked if I'd like to file a compliment I say sure and I asked for verification my account was end and verification the complaint was made she said I would get and email and have yet to get one to this day. So I don't believe she even made the complaint. We are on day 15 business day with no real answer as to why my account is still on hold no verification no timeline on when this will be over. The funds are still in my account haven't been sent back to the lender. XXXX I add they do not want them back so I've gave my lender my new bank account. These people at capital one are basically telling me nothing to bring an ounce of peace of mind just watch all the late fee rack up and business relationship ship dissolve.
Product: Money transfer, virtual currency, or money service

I was trying to purchase 2 handbags with this XXXX seller : XXXX. Her mode of payment is Cashapp, XXXX and Wire transfer only. She was able to provide all the information I requested so she was very believable. I sent money thru CashApp initially for {$5000.00}, it got declined. I tried {$500.00}, it got declined again so I called them to inquire why it was not going thru? This rep told me that he can not give me more information. I asked again, is this account a scammer account? Again, he said that he can not give me information. The scammer lured me in sending money in {$200.00} increments until I was able to send her {$16000.00}. I sent {$2500.00} thru XXXX which makes it a total of {$19000.00} on XX/XX/XXXX and XXXX, 2024. I got the package on XX/XX/XXXX and the box contained a bedsheet inside. I went straight to the police station and brought the box with me and filed a police report. They advised me to file a complaint to USPS which I did. I also reported it to FTC and Office of Atty General in Maryland. As soon as I realized I got scammed, I contacted my bank XXXX XXXXXXXX because my CashApp and XXXX are connected to my checking account. I was crying when I called them and they advised to me to contact the consumer protection that Monday ( XXXX XXXX ) because the department was already closed. I called them Monday and filed a dispute. They processed everything and denied the claim the following day. I called them again and filed a re battle as advised by their rep. I contacted XXXX to file a complaint on CashApp because they refused to informed me that the account I am sending money to was a scammers account. CashApp contacted me and states that they can not help me recover my funds but when I brought up that call I placed to them on why they did not tell me right there and then, he only told me that he will share this concern to the team. Why they continue to accept money knowing that this scammer is getting money from innocent people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am composing this letter regarding the account number XXXX that your company is presently reporting to XXXX under my name. The account is flagged with a derogatory rating, which greatly concerns me. I am deeply worried about the impact this negative rating may have on my credit standing, especially considering that I was recently denied a loan and my existing credit accounts have experienced an increase in interest rates. I want to emphasize that this negative rating has caused significant financial distress for me, and I anticipate it will continue to inflict both financial and emotional hardship until a resolution is reached.
Product: Credit reporting or other personal consumer reports

Description of the Issue : I am disputing an inaccurate late payment being reported by TransUnion on my credit file for my XXXX XXXX account ( Account # XXXX ). 

Details of the Issue : The account is reported as " Current '' with a {$0.00} balance, meaning there should be no late payments associated with it. 
Despite this, TransUnion is incorrectly reporting a 30-day late payment, which is negatively impacting my credit score. 
I made my payment on time, and I have a confirmation number ( XXXX ) verifying that the payment was successfully processed. 
Actions Taken : I have contacted the creditor to verify my payment history and confirm that my account remains in good standing. 
I have requested TransUnion to remove this incorrect late payment per FCRA 15 U.S.C. 1681i, which requires the bureau to report only accurate and verifiable information. 
I am now escalating this dispute to ensure that the inaccuracy is corrected. 
Requested Resolution : I formally request that TransUnion remove the incorrect late payment from my credit report or update it to reflect a perfect payment history, as the account has never been late. 

This matter requires immediate attention, as the inaccurate reporting is causing unfair harm to my credit profile. Please investigate this issue and provide a response confirming the correction. 

Sincerely, [ XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX Accounts : XXXX. Global Lending Services # XXXX XXXXXXXX XXXX XXXX XXXXXXXX Has violated my rights. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for and purpose.

Also, ACCORDING TO 15 USC 1681a- Definitions ; rules of construction.

( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s- 3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; ( LATE PAYMENTS ARE CONSIDERED TRANSACTIONS ) Therefore should not be reported to a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want XXXX account and collection removed from my credit reports. Ordered products from XXXX all the way back in 2013, never received my order as it was sent to an incorrect address I no longer lived at in a different state. I dont know how they got that address as that's not what I put. When I saw it was being shipped to incorrect address I contacted right away to inform to change address as it hadnt actually shipped yet. They refused to change to correct address. After they shipped, I contacted fedex and they said the shipper could change the address with them for delivery. They would not. Was delivered to my old address in different state. I even contacted apt office at that address and they said my package was delivered there but they gave it back to fedex to return to sender since I didn't live there anymore. XXXX should have received package back but still kept my bill for order as is. They would not reship to me. Obviously I was not going to keep paying for an order and goods I never received. No one would help me with this and ended up getting bill sent to collections with collection account and closed/charged off XXXX account show on my credit report which is not fair again for goods I never even got. Collection company would not remove when I disputed. I have screenshots from 2013 of all the emails I sent to XXXX informing about the address and trying to get them to do something.
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX XXXX ( Account # : XXXX ) I am writing to formally dispute a billing error on my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). After reviewing my credit report, I noticed billing entries that I did not recognize, which have adversely affected my credit score and financial standing. 

Violation of 15 USC 1681, Section 602 ( FCRA ) : The incorrect billing entries on my credit report do not reflect the accuracy and fairness mandated by this law. 

Violation of 15 USC 1681, Section 604 ( a ) ( FCRA ) : A consumer reporting agency may furnish a consumer report only under circumstances that are strictly authorized, which include the consumer 's explicit consent or a legitimate need for the information in connection with a credit transaction. 

Violation of 15 USC 1666b ( TILA ) : The billing error on my account has not been addressed in a timely or satisfactory manner, despite my attempts to resolve this issue directly with the creditor. This lack of action on their part constitutes a violation of my rights under TILA. 

In light of these violations, I am requesting the following actions : Immediate investigation and removal of this account from my credit report. 
Correction of the billing errors and an updated statement reflecting these changes. 
Written confirmation of the removal of and correction of the billing error. 

I expect a response within the statutory timeframe of 30 days upon receipt of this letter, as mandated by the FCRA. Failure to comply with these regulations will leave me no choice but to take further legal action to protect my rights. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution of these issues. 

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

I had a secured credit card with XXXX XXXX XXXX XXXX that we past due 2 months. I caught up the payments and paid off the balance. On my XX/XX/XXXX and Equifax report is show collection/chargeoff account. The account was past due 2 months but was paid off in full.
Product: Debt collection

Received a call about a possible collections but never was sent a disclosure amount or attempts to collect. 
I believe this debt is inaccurate and not my debt.
Product: Debt collection

To Whom It May Concern : This letter is sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no further telephone contact be made by your office to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit.

All future communications with me MUST be done in writing and sent to the address noted in this letter.

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

Best Regards
Product: Money transfer, virtual currency, or money service

I was unfortunately scammed over {$19000.00} last year by a company called " XXXX XXXX  '' i had sent my funds through Coinbase. Please refer to the attached letter for more details. Thanks
Product: Credit reporting

transunion is reporting a judgement on my account from NJ Superior court XXXX this judgement has been vacated.XXXX pLease remove this judgement asap.
Product: Debt collection

This account appears on my credit report but it does not belong to me and i think is part of my identity theft case.