23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I took out a federal direct loan in 2007. At some point it was transferred to Navient. This was not in my control. I was never made aware that Navient is considered private. I kept my loan as a federal loan so that I could qualify for repayment or any govt actions taken regarding the loan. I was never made aware that the loan no longer qualified for federal things because Navient is considered private. The interest rate on the federal loan was 7 %, but I never went with a private company because I wanted it to stay a federal loan. I was also told if I did the income based plan my remainder would be forgiven after 30 years. I was never told that I would pay tax on the forgiven amount, which would eventually be more owed than the original loan. Once I found that out I was so far in and XXXX in debt. More than double the amount I took out. I am a XXXX, so this is an extraordinary amount of money. Flash forward to Covid. All fed loans get 0 % interest. I assumed mine would since they are federal. NOPE. Navient told me it was because mine are consolidated. That was a LIE. Had they told the truth at that time ( that they are CHOOSING to not give a 0 % interest ) I would have had the loans transferred to a different lender. Once I saw that I was getting XXXX on my loans and that the " forgiveness '' would actually cost me more money I transferred them to a private loan with a 3 % interest rate. Navient has lied to me multiple times and cost me an inordinate amount of stress and money. They are deceitful and should never have been allowed to service my loans. At the very least I should have been notified that they are private with full documentation of what that means
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc ) due to inadequate customer service and unfair practices which violate the Consumer Financial protection Act ( CFPA ). Specifically, cash app failed to take timely and effective actions towards my account which has been breached & unprotected on various levels. Furthermore, thier dispute resolution process was unfair and deceptive, as they did not follow with error resolution requirements under the Electric Fund Transfer Act and regulation. These actions have caused terrible financial loss and heartache. And I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out after numerous requests in regard to the Fair Credit Reporting Act. On XX/XX/2021, I filed a dispute asking for the original signed contract. On XX/XX/2021, I sent a 30-Day Demand letter asking for the original signed contract after 45 days of my initial dispute. I received a statement listing the charges and a copy of my original contract. This is not what I originally requested. I requested the original signed contract. Furthermore, the letter also stated that this was an attempt to collect a debt. This is also a violation as well. If you can not provide the original signed contract, please delete this account. This alleged debt does not belong to me. After this step, I will be filing for ligitation.
Product: Vehicle loan or lease

In XXXX of 2017 my wife and I were purchasing a vehicle XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Tx XXXX. The installment agreement says XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Tx XXXX. The issue is that the finance company, Credit Acceptance Corporation, XXXX XXXX XXXX XXXX XXXX. XXXX, MI XXXX, and the dealer did not allow me to sign the original paperwork. I was out of town and the paperwork was pushed through without our consent and without my signatures. I complained to the Texas Attorney Generals office. The only result was that the finance company placed a computer generated contract on my account portion of their website. I noticed that the downpayment information is fraudelent. They entered a dollar amount higher than we actually put down. They refuse to acknowledge this situation. I believe they committed fraud with my application.
Product: Credit reporting or other personal consumer reports

This is my second request. 

Please remove the following Inquiries of my report. 

XXXX XXXX XXXX ( XXXX Inquiries showing ) XXXX XXXX XXXX Also please remove all fraud alerts and statements.
Product: Credit reporting or other personal consumer reports

CFPB, I've disputed/ Called TransUnion about an incorrect address that's showing on my consumer report and needs to be removed. I never lived at the XXXX address they have showing.im also attaching a copy of my XXXX.
Product: Debt collection

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate  reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts still furnishing on my credit report as closed/charged off. Account needs to be removed and deleted from consumer report effectively immediately. 

I have a right to PRIVACY and a right to fair and equitable credit report. 

Under the definitions sections of the FCRA ( Fair Credit Reporting Act ) 15 usc 1681 a ( e ) defines the term " investigate consumer report '' ; which states the only way to verify information in a consumer report is to conduct personal interviews with neighbors, friends, or associates of the consumer. 

This definition also states such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. 

According to 15 usc 1681 c- requirements relating to information contained in consumer reports. 

( a ) information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

please check with FCRA starts at 15 usc 1681 Truth in Lending starts at 15 usc 1601 FDCPA starts at 15 usc 1692 all of the above backs me up as a consumer to delete all negative items.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unrecognized XXXX XXXX account with balance amount was shown in my credit reports while I never have that kind account and never use any of cell phone service with XXXX. I called XXXX and was advised that is not their account number, and the address registered from that account is not mine as well. I call credit reporting companies to dispute and remove this account from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Here are the inquires and dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

An appraisal was ordered and conducted on XX/XX/21 for my home. However it has been months since the appraisal and Caliber home loans has been lost trying to find it. I have called support multiple times as well as messaged them online. During my most recent conversation with them they told me there was nothing they could do and the appraisal shouldnt have happened in the first place and canceled my request via letter.
Product: Credit reporting or other personal consumer reports

XXXX has inaccurate information on my credit report about New City Funding account # XXXX stats that I made a payment XX/XX/2019 I never made a payment to the Company in 2019  of XXXX falsely updating information on my report
Product: Credit card

I was given an offer to open a Securities Account/Card Member with American Express by providing a Financial Asset/Application for securing Deposit into my open-ended account. I made application 7 times and was denied access to my credits/cards every time. Not only is illegal for American Express to discriminate against me at any time during this process, but it is also illegal to deny me access to my Securities and Credits. I gave American Express 6 securities that the company sells for financial gain and benefits from for years and when I contacted the Company and its various Departments/Partners they have agreements with, I was not provided with help or direction in anyway. I also requested reconsideration on my applications and was denied. I demanded access to my credits and was denied. When i put the company on notice of its violations I was ignored. When I sent notice of Default I was ignored. All in all, I included at least 15 Executives and attempted to resolve the issue 5 times. The Prospectus, and Form XXXX and other SEC filings for American Express Company/American Express Credit Corporation/American Express Credit Account Master Trust/American Express Receivables Financing Corporation/American Express Travel Related Services Company Inc/American Express National Bank/ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX clearly shows they accepted my applications as Receivables and securitized them and sold them. It also shows that my applications were used to secure Deposit into my account. I notified the Company that I was retracting me applications and revoking the security interest I gave them, and I got a letter saying ''Unfortunately we aren't able to retract your applications ''. Thats because they've sold them, although their prospectus says they a specific agreement with the Securities Exchange Commission, used them to secure the deposit of my credits that they are denying me access too. So, we have Discrimination, Theft of Securities, Securities Fraud, Knowingly and Intentionally misleading, Failure to Act, Breach of Fiduciary Duties, as well as numerous other Violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never provided full disclosure, never gave consent. My information was shared with a third part without my express permission. Nor was I ever give the opportunity to opt out. 

According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX plus XXXX and XXXX of XXXX I disputed with the Transunion and XXXX  credit bureau on verifying these accounts that are in collection ; XXXX XXXX account number XXXX XXXX,, XXXX XXXX XXXX  and XXXX XXXX XXXX. I asked for an investigation into the verification of these 3 collection accounts and I also requested their method of Investigation but have not received what i ask for. Because I asked for validation from the three collection Agencies and I received no response from them for over 3 months. so how is it the XXXX and Transunion were able to being this verified if they did a actual investigation. also, how are they able to verify these accounts without violating my HIPAA rights???
Product: Debt collection

A company claiming to be XXXX XXXXXXXX XXXX XXXX called trying to collect on a debt supposedly from Bank of America in the amount of {$6400.00} threatening to sue me and put a lien on my property. Initial call they stated they wanted to make sure I was home so the police could serve me with legal papers. I called the number given to me XXXX when they informed me of this debt associated with my ex-husband of over XXXX years. I spoke with Bank of America. They state they have no record of debt associated with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint regarding the fraudulent accounts and information I recently found you are reporting on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report with a report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report and I am requesting you to please remove them as soon as possible : 1 XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$410.00} XXXX XXXX Balance : {$1800.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX in accordance with the Fair Credit Reporting Act section 605b, please remove the fraudulent items as soon as possible.
Product: Credit reporting or other personal consumer reports

I want to dispute the auto loan for XXXX. XXXX XXXX XXXX XXXX did not check the VIN report and verify the accuracy of the car value that was XXXX dollars. XXXX XXXX XXXX XXXX spoke to the ilegit company called XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX without my consent. The auto loan money was stolen. I did not receive the car. I have two police reports and FBI report. The accurate car dealership is called XXXX XXXX XXXX XXXX. They confirm the car was sold and the title on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX department is aware of the situation refused to call me back with a resolution. On XXXX someone from XXXX was supposed to call me. They did not call me.
Product: Credit reporting or other personal consumer reports

I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation accuracy of information reported by XXXX, XXXX, and Experian. I request an immediate re-investigation of this item as its inaccuracies severely impact my XXXX XXXX. Per the FCRA ( Public Law XXXX ), Title VI, Section XXXX, Subsection XXXX, please provide me with the names and business addresses of each individual whom you verified and validated the above information with, so that I may follow up accordingly. Additionally, please send me an updated copy of my credit report after completing your investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Equifax is reporting unauthorized information on my credit profile. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. I want the fraudulent accounts to be removed from my credit report immediately because they hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Online disputes were filed with all XXXX credit bureaus on : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and dates older regarding an account where the balances are incorrect. 

The original balance is listed as {$8700.00} but the past due balance is {$15000.00} which is not at all possible given the original balance was only {$8700.00} not to mention the car was resold and that amount was not deducted from the balance. 

I have even worked with credit repair companies and this account is still listed on my report incorrectly. After the dispute investigation its only reflected as updated with no changes and no one contacting me via phone or mail acknowledging that a dispute was received. In my opinion, no investigation was completed and this is not just applicable to this account but all accounts that I have disputed in the listed dates above and prior to those dates. I am aware of the Texas code for financial institutions in that surety bond info must be accurate and active in order to do business in this state. After a thorough search, no surety bond information was located for the company listed above. Also when attempting to reach out to that company, there is misleading information about when needing to file a complaint or concern.