23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Messerli and Kramer -XXXX, MN XXXX. 

This company sent a FAX to my work office with My name the last 4 digits of my SS #, asking for employment information from my employer. 

This FAX machine is a PUBLIC fax machine with multiple people being able to access this personal and confidential information. With bold lettering stating that it is debt collector and an attempt to collect a debt.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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, credit repair services, or other personal consumer reports

I contacted Equifax to dispute unauthorized inquiries on my credit report. Equifax states that the creditors that made the inquiries had permissible reason to access my credit report. 
I understand this to be them offering services that either I desire or have reporting on my credit report currently.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX I obtained a loan to purchase equipment through XXXX XXXX. The loan payments were debited in a timely fashion from my account every month. For some unknown reason, the very last payment, due on XX/XX/XXXX was NOT debited by XXXX and that resulted in a late payment and late fee. The bank account which the payments were debited from has ALWAYS had sufficient funds to cover all expenses. The customer service representative at XXXX was gracious enough to remove the late fee and the account was paid off about on XX/XX/XXXX exaclty 12 days after the last payment was due. The account was later closed on XX/XX/XXXX. 

I'm currently in the process of buying a property and I became aware of a negative hit on my credit score. It seems XXXX XXXX reported my account as being over 30 days past due to Transunion credit reporting agency. My account was absolutely never thirty days past due. Every single payment of the 18 month term was made on time except for the issue in XXXX, XXXX. But it is clear that if the payment was due in XX/XX/XXXX, and paid off on XXXX, XXXX I was never 30 days past due, I filed a dispute with Transunion, and they stated that the company had disagreed and so the derrogative report remains in my credit file. I reached out to XXXX XXXX but have yet to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

CONSUMER REPORTING AGENCIES MUST CORRECT OR DELETE INACCURATE, INCOMPLETE, OR UNVERIFIABLE INFORMATION WITHIN 30DAYS.

I am writing to request the method of verification for complaint id XXXX XXXX XX/XX/XXXX followed up with written disputes for complaint id XXXX on XX/XX/XXXX regarding the disputed items below. 

It has been more than 210 days and I have not received any proof that your company validated the debt. Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information that is known to be false can not be reported to any credit bureau .

I request that you immediately delete this information from my credit reports. Please send me a copy of my updated credit report as soon as the above has been completed. 

1. VALIDATE ACCOUNT CHILD SUPPORT ACCT # XXXX PLEASE DELETE THIS ACCOUNT OR PROVIDE VALIDATION INFORMATION For each of the disputed items above, I am requesting that you provide the following information : 1. The name of the original creditor 2. The creditor 's address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness, accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
Product: Credit reporting or other personal consumer reports

Hello, This pains me to write this letter to you all but I know that it is more than necessary, especially for the fact that I know that these companies are being sued. 

I have a great credit history. 

Lexis Nexis would not verify my account and provide me with the requested information on my account, I am also requesting that ALL NEGATIVE INFORMATION ERASED, CREDIT SCORE RAISED TO WELL ABOVE XXXX, PROPER FREE CREDIT MONITORING DUE TO BREACHES AND ALL POSITIVE CREDIT SCORING DATA TO CONTINUE AS WELL
Product: Debt collection

This dispute was already resolved from XXXX XXXX property where they kept my security deposit. This company keeps harassing me. This information is no longer on my credit and is no longer owed. The company is hunter warfied
Product: Credit reporting or other personal consumer reports

Both XXXX and Experian show my bankruptcy accounts with 30, 60, and 90 day delinquencies/past due accounts. This is false information. The credit companies are not reporting this, but they are reflecting in on my report as such. Status shows as never late but in my overall report it shows I have at least 8 accounts that are currently delinquent/past due. This is inaccurate reporting and is causing me to not be able to get home owner 's insurance, a new mortgage loan, etc - even though my credit score is not poor.
Product: Student loan

In XXXX, I graduated from XXXX XXXX University, a predatory for-profit institution. In XX/XX/XXXX, I learned about school misconduct loan discharges and promptly applied. Initially, MOHELA denied my application without providing a reason. As I began preparing my rebuttal, they suddenly reversed their decision, admitting they had denied my application in error. By the end of XX/XX/XXXX, I was informed that my discharge had been approved. 

The first portion of my loans was discharged on XX/XX/XXXX, followed by an additional {$1000.00} on XX/XX/XXXX. However, I have yet to receive any official confirmationno letter, no email, nothing from MOHELA regarding the discharge or the potential refund I am owed. Each time I call for an update, I receive the same response : " It takes up to 30 days. '' Yet, the 30-day timeframe keeps resetting with no further progress. 

When I originally took out the loans in XXXX, my balance was approximately {$53000.00}. Due to XXXX repeatedly steering me into deferments and forbearances, interest accrued over time, and by the time my loans were discharged, my balance had grown to {$62000.00}. Since entering repayment in XXXX, I have paid approximately {$27000.00}, and I firmly believe MOHELA owes me a full refund of those payments. 

Adding to the injustice, XXXX XXXXXXXX University never issued my diploma despite my graduation. The school falsely charged my account after I questioned their ethics, and per the enrollment agreement I was forced to sign, they withheld my degree. I have never used my education, and a year after graduating, I enlisted in the XXXX in XX/XX/XXXX. 

Despite the loans being removed from my credit report, MOHELA has yet to provide any official documentation of the discharge, leaving me in the dark about the next steps. Their lack of communication and transparency is unacceptable, and I am seeking resolution on both the confirmation of my discharge and the refund of the payments I have made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2019 I was made aware of the fact that DSNB Macys had been reporting me 30 days late to the credit bureaus as of XX/XX/2019. I had at the time been experiencing trouble with the United States Postal Service delivering my mail properly. As a result of my mail issue I never received theXX/XX/XXXX statement from Macys and was totally unaware that there was a small balance due. As soon as I became aware of the issue I paid my bill in its entirety and contacted DSNB Macys credit department to explain the situation, I spoke to a manager XXXX XXXX who advised me to obtain proof of the incident from my local post office. I did as requested and obtained proof in the form of a letter and faxed it to DSNB Macys. They denied the letter and the reasoning they gave me was that the letter was not stating that the post office was taking accountability. The letter was taking full accountability, but the supervisor I was speaking to asked me to get a second letter from the post office where they are confirming the incident. I have obtained another letter at a great expense of time and effort and have faxed it to DSNB Macys.  They continue to deny my request and refuse to accept letters from The United States Postal Service which is a Federal Regulatory Commission. I have provided proof more than once and have no other means of resolution and am requesting that you intervene.
Product: Checking or savings account

I am writing to to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions pertaining to my overdraft fees.
Product: Credit reporting

I have disputed this account with both XXXX and Credit Collection Services. Credit Collection Services has not been able to prove that this account they are reporting is 100 % accurate, verifiable and timely. See attached letter ( settlement offer ) they sent when I requested debt validation. This erroneous account should be removed from my credit report immediately. I have never done business with this company, nor have I ever signed a contract with this company and the letter they sent has not merit as to the validity and verifying this debt ; therefore, consumer law states that this account must be removed.
Product: Credit reporting or other personal consumer reports

I am contacting you to request the immediate blocking and deletion of an account on my credit report that was fraudulently created as a result of a data breach. As a victim of identity theft, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have this unauthorized information permanently removed from my report. 
Account to Be Blocked and Deleted : XXXX XXXX XXXX XXXX  Account Number : XXXX o Date Opened : XX/XX/year> o Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Request for XXXX XXXX and all data filed with every credit reporting agency. 
I have significant claims for willful FCRA violations. While I have numerous paper copies of my credit reports from XXXX, XXXX XXXX and XXXX ( CRAs ), such reports are just a snapshot in time without any detailed activity or changes over time. I have made extensive direct disputes and indirect disputes through the CRAs. I need you to provide me with each and every submission that you have made to every crefit report agency including the XXXX CRAs for the last 2 years. I need every submission, including monthly data reported and off cycle interim data reported which document every point of data reported on your XXXX XXXX submissions. I need the raw XXXX XXXX data submitted with an easy to read coding for all data submissions. I need each and every change on my report at any point of time, which would include dates dispute or other codes were added, changed or removed. Moreover, I need the entire communication of every dispute investigation or other request submitted to you by the CRAs so I can compare it against my written disputes. Obviously, your reply to indirect disputes is required to be noted as a Data submission. I need to analyze the 360+ data points for every XXXX XXXX submission to compare against paper credit reports for accuracy, completeness and XXXX XXXX and FCRA compliance. I also need a compressive detail of every step taken to address each and every direct or indirect dispute that you have received including verbal, written or otherwise filed in CFPB submissions in its portal. I need all data which should be simple due to its computerization.
Product: Money transfer, virtual currency, or money service

I used XXXX to pay a rental deposit and the supposed landlord/property owner has now disappeared on me along with my money. I filed a complaint with US Bank who said they would be sending my paperwork to submit my Fraud case. After a week of having received not paperwork, I called back and was told I was denied. The person on the phone stated that it was my fault for sending money to someone I didn't know and that XXXX was not supposed to be for that. I did everything you are supposed to from going through a reputible company to find listings ( this was from XXXX ) to even verifying with the County Assessor 's office the that the owner 's names matched. I also pointed out that this was not unusual and that I had many potential landlords asking for even the application fee to come through XXXX. They didn't even give me an opportunity to submit my evidence, which included the property owner letting me know I would be immediately refunded if I chose not to rent from them. They did no investigation and just denied my claim. I was only given an email to submit documents, after I called and complained at the Bank after a week and so far have gotten no response to the documentation I submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint in regard to the erroneous accounts being reported by the Credit Bureau on my Credit Report. I have read that Credit Reporting Agency are required to validate for themselves the information they report on a consumer 's Credit File under the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I previously requested the Credit Bureau to update the payment history of the accounts in dispute. Upon reviewing my updated Credit report, I immediately noticed that the Accounts in dispute are still reporting as late. If the Credit Bureau chose to not comply with the law and does not correct the payment status of the following accounts, I will be forced to initiate legal actions. If it is not that too much trouble, I need the Credit Bureau to correct the following accounts : XXXX XXXX XXXX Balance Owed : {$220000.00} ; XXXX XXXX Balance Owed : {$960.00} ;
Product: Credit card or prepaid card

On XX/XX/2023, I lost my credit card issued by Citi. On the same day, my credit card was fraudulently used ( physically, not online ) at a nearby city by an unknown individual. The following charges totaling {$470.00} were posted to my credit card account : 4 separate charges of {$97.00}, {$96.00}, {$96.00}, and {$96.00} at XXXX located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Additionally, there were 2 separate charges of {$50.00} and {$39.00} at Shells located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. All of these charges occurred before I had realized that I had lost my credit card the same day. When this unknown individual attempted to make additional charges, I was informed of potential fraudulent activities by Citi via text. I responded immediately and filed fraud disputes for these charges. The credit card was also cancelled immediately. 

A few weeks later, Citi notified that they have completed their " investigation '' and have decided NOT to credit for these fraudulent charges. I then followed up with Citi, and have received no help with this matter to date. Due to these fraudulent disputes being denied by Citi, I now have an additional {$470.00} due on my credit card, which I am not responsible for. 

I have also filed a police report, which I have attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX # XXXX Re-Investigating Charge Off $ XXXX Account type Credit card Responsibility Individual Date opened XX/XX/year> Status Account charged off. {$14.00}, XXXX written off. {$8600.00} past due as of XXXX XXXXThe credit limit was {$15000.00}. XXXX XXXX XXXX XXXX Reported inaccurate balance This letter is in response to your recent claim XXXX XXXX XXXX XXXX FCRA ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the Charge Off each month creates an inaccurate and misleading credit report, which negatively impacts my credit score. the statute of limitations for reporting a Charge Off is XXXX years from the date of the delinquency leading to the Charge Off ( 15 U, S.C. 5 1681c|aX4 ) ). Reporting this multiple times does not extend this statute and is therefore improper. XXXX. XXXX XXXX XXXX XXXX Reported Charges Off and inaccurate of debt owed which is frauds Please submitted Original copy of credit card contract with wet signature. Payment History Credit card statement verified accurate credit limit. Within XXXX  days of this re-investigation to Transunion and XXXX.
Product: Debt collection

Pressler and Pressler used extremely aggresive legal tactics to collect on a XXXX Card that was used by someone in XXXX XXXX a place I have never been. I finally paid them because they had frozen my bank account though XXXX and Pressler and Pressler knew that these charges were not mine. Now after they have been paid they have a lein on my house that is preventing me from refinancing. They not only collect a debt that was n't mine but failed to release their lien on my property at XXXX XXXX XXXX, XXXX nj XXXX. I would like to know my legal options.
Product: Debt collection

I am writing to lodge a formal and grave complaint against Waypoint Resource Group , LLC, pertaining to their ongoing and egregious violations of the Fair Debt Collection Practices Act ( FDCPA ), particularly in their handling of a debt they allege I owe. My attempts to resolve this matter have been met with a blatant disregard for legal protocols and consumer rights. Despite my proactive and legally substantiated efforts to dispute this debt, including sending certified letters on XX/XX/XXXX and XX/XX/2023, and a subsequent letter on XX/XX/2023, Waypoint Resource Group , LLC, in conjunction with XXXX XXXX, has failed to provide any form of legitimate debt validation. This is a clear violation of the FDCPA, which mandates that debt collection agencies must cease collection activities until they can verify the debt once it is disputed. Instead of complying with these legal obligations, Waypoint Resource Group , LLC has continued their collection attempts unabated, showing a complete and alarming disregard for federal laws designed to protect consumers. Their actions not only demonstrate an utter lack of due diligence and ethical conduct but also reflect a predatory approach towards debt collection. Such behavior is indicative of a systemic problem within the organization, which I believe warrants a thorough investigation by your office. The impact of this situation on my personal and financial well-being has been substantial, causing undue stress and concern. It is imperative that agencies like Waypoint Resource Group , LLC are held accountable for their actions to prevent such unscrupulous practices from harming other consumers. I urge the CFPB to take my complaint with the utmost seriousness and to consider stringent actions that might include thorough investigation, enforcement of penalties, and ensuring such practices are unequivocally rectified. It is crucial that this matter is not only resolved in my case but also that measures are taken to prevent similar occurrences in the future, thereby upholding the integrity of consumer rights and the efficacy of the FDCPA.
Product: Credit reporting or other personal consumer reports

I noticed three different XXXX XXXX XXXX accounts reporting on my credit report about a year ago. All three of these accounts has misinformation being reported so I disputed with the three credit reporting agencies. The credit reporting agencies never responded to me however, I do monitor my credit and nothing changed, all three account were still not reporting correctly. So, I decided to send a letter to XXXX XXXX XXXX asking them to correct, complete, and verify what they're reporting for all three accounts on XXXXXX/XX/XXXX. I did not get a response from them either so I sent another letter asking them why they did not respond and that they're verifying inaccurate information on these three accounts on my credit report on XX/XX/XXXXXXXX I still did not get a response so I decided that I was going to continue to send them letters until they responded. I sent letters asking them to fix the errors that they continue to verify on these three accounts with the credit reporting agencies. I sent letters every couple months XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX and finally on XX/XX/XXXX which they finally responded to on XX/XX/XXXX. They ignored me for a whole year and then finally responded within 3 days! now, I'm disputing three different accounts and I've been sending three different letters every time but in this response they don't acknowledge which account they replying to, just that they reviewed my letters and needed more information to investigate. They asked for a " specific '' complaint and a " specific item ''. In all three letters I provided everything, the account numbers they're reporting, the misinformation they're reporting and verifying, and every letter I've sent has been very specific and detailed with all the information required for them to investigate. Then they went on to say my letter was " frivolous and irrelevant. '' And if that wasn't enough, after ignoring me for a year, finally responding that the didn't have enough information which they do, they ended their letter telling me that they were going to charge me " {$30.00} per our to research my information '' and charge me a " {$25.00} hourly reconciliation fee '' for me asking them to correct the errors they're reporting and verifying with the credit reporting agencies. I don't see anywhere on the CFPB website or online that companies can charge the consumers who ask for compliance with the Fair Credit Reporting Act. To me this sounds illegal and violates my rights as a consumer and that's why I'm filing this complaint.