23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account US Dept Of EdXXXX XXXX XXXX Account XXXX XXXX  XXXX Unverified Account
Product: Credit reporting, credit repair services, or other personal consumer reports

Students loans duplicated and were paid off showing on credit sent dispute to have them removed. Still showing need to be removed. 

XX/XX/XXXX Creditor Name US DEPARTMENT OF EDU Account Type Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00} XX/XX/XXXX Creditor Name US DEPARTMENT OF EDU Account Type Account Status Closed Opened Date XX/XX/XXXXClosed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2200.00} XX/XX/XXXX Creditor Name US DEPARTMENT OF EDU Account Type Account Status Closed Opened DateXX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1700.00} XX/XX/XXXXCreditor Name DEPT OF ED/XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed DateXX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1700.00} XX/XX/XXXX Creditor Name DEPT OF EDXXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXXClosed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$750.00}XX/XX/XXXX Creditor Name DEPT OF EDXXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXXClosed Date XX/XX/XXXXLimit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} XXXXighest Balance {$2200.00}
Product: Credit reporting or other personal consumer reports

improper information being reported on my credit report CNAC XXXX account number XXXX states late payments 30 days late on XXXX on XX/XX/XXXX and on XX/XX/XXXX
Product: Consumer Loan

On XXXX XXXX i went to DriveTime to purchase a vehicle. I met with the customer service rep and manager who was very friendly and welcoming. I sought interest on a XXXX XXXX Journey and test drive the vehicle and everything was smooth. I requested for a car fax and the representative stated that the vehicle was in perfect condition and had no ; repossessions, accidents, and rebuilds. The only thing was the vehicle having a high mileage. The manager read the contract and i signed off on it, made the agreement. Plus i was missing a hard key replacement of my key in which they promised to provide through a locksmith and never followed through. 

During the XXXX week i began having issues starting the vehicle and decided to take the vehicle to the dealer. The manager and representatives advised me through minor inspections that there was n't any issues and if it was an ongoing issue to contact XXXX. So i decided to contact them and had the vehicle taken to XXXX. There i met with the manager and he conducted a full vehicle inspection, where he found many pr-existing issues which was a major safety risk. The XXXX line was leaking fluid, no brakes, bad battery and bad starter. XXXX approved to fix the issues concerning the vehicle and was told that was the solution to the problem. We shook hands and was told to come back if there 's arising issues. 

A week later after coming from XXXX the same issue occurred and i notified XXXX XXXX XXXX about the issue. They advised me to respond back to the shop to conduct further inspections, in which again they could n't find anything. So i was told to come back if the issue reoccurs, in which the day after it happened again. The manager even conducted and full inspections in which turns to find out that my shift handle was damaged, in what appeared to be a repossession damage. The shift handle was broken and glued back together in which caused shifting damage. I was told to schedule a day to have this issue addressed, but my transmission blew out in result of the shifting issue. I had to contact a tow truck through my insurance company to have it towed to my house, later on had to pay another tow truck to get my vehicle towed to a repair facility. The mechanic advised that i had to pay a deductible for the transmission replacement through warranty. 

Its only been 3 months since Ive had this vehicle for me to have transmission and shifting issues. I felt I 've been cheated out of my money and was a sold a vehicle that was n't worth what i am paying. I would never recommend someone to purchase a vehicle through DriveTime, horrible pricing and unfair quality of service. Note : Theyre very eager to pressure to purchase a vehicle without giving full information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX XXXX Date is XXXX XXXX And I Am The Only One Involved In This Complaint My Equifax Report Report Number XXXX And My FTC Report Number is XXXX I'm Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Accounts As I Could .Also Recently I Called Equifax Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful At All These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With Equifax ..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting Inaccurate Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent I Even Called Equifax Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way Equifax Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report Number :XXXX 605 ( b ) Block. Item must be blocked in no less than ( 4 ) days
Product: Mortgage

I have been working on a modification with my current lender Freedom Mortgage since XXXX/XXXX/16, the file was deemed complete on XXXX. Every week that I call Freedom Mortgage they provide a different dates it was deemed complete until I read them the previous weeks notes and then they confirm I was correct would be the first problem. The start of the problem is according to the Lender the file goes to underwriting to see if they have all documents and then the file gets assigned to a single point of contact after they decide to deem the file complete which according to the weekly calls was completed on XXXX/XXXX/16 as I mentioned earlier. I was informed that the file would have a decision on XXXX/XXXX/16 and assigned, I called today and the file is not assigned and there was no decision on the XXXX of XXXX nor today which is now the XXXX and we are 40 days from when the file was deemed complete. The representative that I spoke to today stated that the 30 days for underwriting does n't apply to Freedom Mortgage because they can go up to 45 days. According the the CFPB guidelines the lender is to send a notice to all clients stating that the file is completed and the 30 days starts then, no letter has been sent nor received and Freedom Mortgage is not in compliance. 

I will not let Freedom Mortgage victimize me and take away my rights as a consumer when guidelines have been placed for all services to comply to ensure proper procedures are being followed.
Product: Credit reporting or other personal consumer reports

After reviewing my request that was submitted for the following accounts, inquires & Public records theyre coming back as verified. I would like really like to request further information on how the accounts are being proven to be mines when I am a victim of identity theft. This situation is extremely unfair to me that I cant continue on with being financially free after being in so much debt from my identity being stolen.
Product: Payday loan, title loan, or personal loan

I have been a customer at Check N Go for over 6 years, never been late or missed a payment and never had any complaints until now. I also use another cash in advance company so I have a pretty good idea of how the system works. I am a XXXX senior on both XXXX XXXX and XXXX so I get a check on the first and the third but I get my loans for the third because thats when the larger check comes. In XXXX I went to Check N Go on XXXX XXXX in XXXX XXXX Mi where I began to loan since I recently moved to the area, in the beginning it was fine and the customer service was good. Suddenly I noticed many of the friendly faces that were there began to disappear and the XXXX regular face that stayed was XXXX, hes an older guy who I assume became the manager. XXXX is a big guy who has a deep voice and he sometimes try to come across as being intimidating even grumpy at times. I took out a loan for {$600.00} in XXXX and because XX/XX/XXXX fell on a Saturday, I asked if I could pay back my loan on Saturday since it is a busy day for this store. I have repaid loans on Saturday at other locations and also at this store before, but XXXX said you get paid on Friday, I replied that I know and he continued to service me. Now assuming he had granted my request we finished our business and I left the store. I found out in XXXX that he may my payday for the XXXX and deposited my check because I was prepared to call in my payment on the XXXX as I always do. I have been in XXXX XXXX for over 30 years and received many awards and letters of recognition for my service, the reason I call in my payment and come back later to reloan is because this store is always crowded on the XXXX and XXXX so we have to wait for hours because they dont have enough help and XXXX XXXX elderly and slow himself, trying to wait on customers and answering the busy phone. Check N Go closed a lot of locations last year so this added more customers to locations already crowded, many seniors have no choice but to endure this situation and it would seem since there is a 30 day payment policy we should be able to choose the days available to us within that time frame. Customers often complain that they need more help at this location and XXXX doesnt help with his attitude and slow service. This is bad for business and Im sure people who have a choice are going to other places. I feel that his actions were wrong and put my checking account in default because of his unwillingness to grant my request. I noticed that many of the complaints about this store in XXXX are about XXXX and he still hasnt changed
Product: Credit reporting, credit repair services, or other personal consumer reports

ECMC is a collection company that has a private student loan debt that is more than 10 years old that has never had a payment made on it and is still reporting the debt as originating in XXXX which is not possible because I last attended school in XXXX and with the debt being more than 7.5 yrs old the company refuses to stop reporting it stating that I had made a payment in XXXX which is false.
Product: Money transfer, virtual currency, or money service

Someone did a transfer on my Western Union account and I was not told nor did I authorize this transaction. As I have been experiencing identity theft for the past couple of years, I did not see this activity until recently when my sister sent me money via western Union. I contacted them and they said there was nothing they could do as it had been too long and hung up on me.
Product: Money transfer, virtual currency, or money service

Im writing you to formally expressed my concern regarding Zelle handling of disputes particularly in the light of recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my finance institution and Zelle fail to investigate my claims adequately. they informed me that recovering the lost funds was impossible and that tracking these funds was unfeasible. The CFBS indicate that Zelle has not only neglected to protect consumers but also allow repeated offenders to exploit the system leaving users vulnerable to scams. The lack of accountability transparency is unacceptable and raises serious concerns about customer safety.
Product: Money transfer, virtual currency, or money service

I Am Filling Out A Complaint Against CashApp ( Block , Inc . ) Due To Inadequate Costumer Services & Unfair Practice .Cash App Failed To Take Action On Fraud Leaving My Account Unprotected .Im Losing Money! They Dont Apply With Error Resolutions Requirements Under The Electronic Fund Tranfer Act ( EFTA ). I Have Lost Financial Loses. I
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXXXXXXON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX, XXXXXXXX XXXX XXXX XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit card or prepaid card

On XX/XX/XXXX I was offered 0 % APR for 12 months and a 3 % fee on balance transfers, which promo was ending onXX/XX/XXXX, so I transferred most of my credit cards that high interest including XXXX card. Now my XXXX bill cycle generated and now it 's charging me almost {$50.00} of interest, so I called them up and ask them why is there an interest it should be no interest at all. They said because XXXX is not part of that deal. They asked how did I do the balance transfer, did I talk to someone or did I transfer it online myself, so I said I did it myself, so now they 're claiming well it 's not part of The 0 %, so I explain I did try to call them but every time I called them but its always more than half an hour wait or hard to get through someone, so after talking to this lady she put me through her supervisor and she said that no there 's nothing we can do, or the only thing you can probably do is you can call XXXX and tell them to put it back on that account, then put it back on our account ( XXXX XXXX ) but there 's no guarantee that you 'll get this 0 % again, so What 's the point of even trying that, she 's no help, so when I said I need to speak with someone that 's higher than you she said there is no one else higher than her and she is a supervisor. That she is the Senior Acct Supv named XXXX # XXXX. I still have the email that shows that offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have request that Discover take the following steps to remedy the situation : Send me a notarized statement attesting to your compliance with all provisions of the Fair Credit Billing Act with respect to my account. 

Provide documentary evidence of my indebtedness for all charges for which you claim I made late payment. 

Provide documentary evidence of timely billing and timely posting of all payments made on this account, whether or not you claim they were late, from the date the account was opened through the present. 

If you can not provide the statements and documentary evidence required, then I insist that you delete all negative references from your reports to XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCT # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

On XXXX the XXXX of XXXX My company XXXX XXXX XXXX XXXX did some XXXX  /XXXX  XXXX work for XXXX XXXX totaling XXXX. it was split into XXXX payments of XXXX  with a net pay of XXXX On XX/XX/year> My company XXXX XXXX XXXX XXXX did concrete and Miscellaneous work for XXXX XXXX for XXXX 
It was split into XXXX payments of XXXX and the other XXXX with the total net pay of XXXX and a grand total of XXXX on hold/review. 
My customer XXXX transportation who is also an account holder with JP Morgan paid everything in full. My bank JP Morgan Chase and their WePay/quick accept department did not do their due diligence and just contacting the customer who is also an account holder with them to verify that they authorized the transaction. As a result of JP Morgan Chase Bank incompetence it has caused my small business XXXX XXXX XXXX irreparable harm and damaged reputation because of the extremely large amount being held for no reason. I am really trying to get this situation resolved quickly and in a peaceful manner without taking legal actions against Chase. I was also looking at Chase customers complaints on the XXXX XXXX XXXX and a lot of their customers has experienced the same thing. Chase Bank is known to hurt a lot of small business owners because of the same situation. We just want our money
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX are reporting inaccurate information onto my credit report. 

No of terms High credit Date last active is a year off INACCURATE Date of last payment is 3 years off INACCURATE
Product: Mortgage

Ocwen Loan Servicing, LLC, has assessed our account the amount of {$8700.00} unlawfully. We contacted the servicing company regarding the matter, in response Ocwen Loan Servicing, LLC, indicated that the fees were not past dues even though it reflected in that fashion according to the mortgage statement, but assessed due to the XX/XX/XXXX foreclosure action. I have attached a notice of voluntary dismissal from the foreclosure action. What does this mean? In Florida in order for servicer 's to collect for legal fees they must either win summary judgment or acquire a final judgment at trial. We never went to trial because both me and Ocwen entered into an agreement and therefore trial was cancelled. In XX/XX/XXXX, the Florida Supreme Court adopted Fla. R CIV . P. 1.525, which states- " Any moving party seeking a judgment taxing cost, attorney 's fees, or both shall serve a motion within 30 days after filling of the judgment. See case no. XXXX, In the XXXX Circuit court of the XXXX Judicial Circuit. You will find that NO JUDGMENT WAS ENTERED, case was voluntarily dismissed and therefore as per Florida Civil Rules, Ocwen is not entitled to have assessed the {$8700.00}. This is Illegal on its face and we ask action immediately by the Consumer Protection Bureau.