23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/2024 at XXXX pm XXXX, I called Discover and I inquired about a Student Loan Debt Consolidation loan and was asked if I wanted to apply over the phone. They ran my credit and I was denied due to " borrower income insufficient in relation to the debt. '' After they ran my credit, they informed me that I was unable to apply with a cosigner, even though my current loans have a cosigner. Prior to running my credit, I was not informed what " passing a credit check '' meant. 

Following this call, I reached out to a friend of the family who is knowledgeable in the financial industry. I asked why I could not apply for a Debt Consolidation Loan with a cosigner. 

On XX/XX/2024 at XXXX XXXX XXXXXXXX, we called Discover and XXXX at Discover transferred us to XXXX in the Consolidation Department in XXXX. He did not verify any of my personal information prior to disclosing any information on the phone call, nor did he ask if it was okay to disclose any confidential/nonpublic personal information with the family friend who was on the line. 

We asked for clarification as to why I was unable to apply with a cosigner. 
We were informed that I needed to pass a credit check. We inquired what " passing a credit check '' meant. At that time, we were told that I had to qualify independently. This information was not disclosed to me on my first call prior to running my credit. On the second phone call, we were told on www.Discover.com/student-loans/consolidation.html under that section, there is a common consolidation loan question- Am I eligible for a Discover XXXXrivate Consolidation Loan? It says " Pass a credit check. '' Nowhere on the website does it say I had to pass it independently. 

After further questioning with XXXX, he stated that Discover 's policy is if you can not qualify independently, you can not qualify with a cosigner. 

I feel I have been discriminated against. Had I been able to qualify with a cosigner, I could have potentially had one loan at a fixed rate of 5.99 % XXXX % according to the website. Due to not qualifying on my own and not being allowed to qualify with a cosigner, I have five loans with variable rates between 6.340 % XXXX % which results in a higher monthly payment and therefore, more interest paid over the life of the loan. 

I feel it is discriminatory to allow those who qualify on their own to get a lower interest rate with a cosigner while not allowing cosigners for those who do not qualify on their own. This puts undue burden on borrowers who need a cosigner by keeping them in higher interest rate loans. I pay more on my loans because I do not qualify on my own but would possibly qualify with a cosigner, which would allow me to pay less.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : This letter is being sent to you in response to a notice sent to me on XX/XX/XXXX regarding a listing on my credit report. This response is in reference of 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 involving an unknown creditor listed as XXXX XXXX on my credit file. I continue to dispute all referenced matter from any company named above. The dates they provided were a conflict as my residence was in the state of Texas. I have never contacted anyone form this company. 

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. I have never entered into any contract with your agency. The information submitted provided non substantial evidence of any contractual matter between the above mentioned and myself. 

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 Debt Collection Practices Act This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. I am requesting 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. 

Sincerely, XXXX XXXX
Product: Debt collection

There was a charge on my bank card and I reported that the charge did not belong to me. It was removed for investigation purposes and I did n't receive any other notification since. Now years later it shows up on my credit report.
Product: Credit card

I called best buy twice for an hour. They would not give me the information of my account that I asked from charges to having no interest for 18 months. They kept putting me on hold. This is very XXXX. I want to report their lack of helping me or providing any services to me AT ALL. I still do not know my interests plan I chose or the charges as well. I would ask for someone to tell me.
Product: Payday loan, title loan, or personal loan

There is a clause in the loan agreement which I feel strongly should be void ab initio and void as against public policy on the grounds that it seeks to limit federal statutory rights. The portion of the contract states, " You further warrant that [ ... you ] have no intention to file a petition for relief under any chapter of the United States Bankruptcy Code. '' Bankruptcy is, to the best of my knowledge, a right guaranteed by statute, and can not be limited by contract or otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of a breach in security of Equifax on Friday, XXXX XXXX XXXX for a breach that occurred on XXXX XXXX XXXX. I used their online tool to determine if I was a potential victim and I was indeed listed as a possible victim of identity theft. The company failed to inform me of the breach when it happened.
Product: Credit card

I am being harassed about a XXXX Orchard Bank debt of {$500.00} which is now {$2100.00}. this they say happened in 2000. I say I cleared this up and I do n't owe them. My credit report has been cleaned up at least XXXX times in 15yrs. I say the statue of limitations protects me against their claim. They called me and threatened to come to my job and file a court judgement against me. They just want the money and said they would call on Friday, today to see what plans I have for paying them ( a XXXX party ) XXXX XXXX XXXX Firm.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a XXXX payment through credit gold One credit Unions app. XX/XX/XXXX it was kicked back as fraud. Contacted the bank XX/XX/XXXX. Verified the payment for my landlord for my monthly rent. Was told that payment would be processed and no further action would be taken. As of XX/XX/XXXX, payment had not been processed. I called back. Spoke with supervisor XXXX. He explained that he would look into the issue and call me back. Week later he has failed to do so. Called back XX/XX/XXXX. Left another voicemail asking to call back within XXXX hours. Still no contact. Still no resolution.
Product: Credit reporting or other personal consumer reports

After reviewing my recent credit report I discovered a number of items that are not accurate and are fraudulent items. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

I have sent a notarized affidavit, FTC report, and proper identification via registered mail to the credit reporting agency. According to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

After reviewing my recent credit report, I have noticed discrepancies that require immediate action. Specifically, concerning the following accounts : XXXXXX/XX/XXXX XXXX XXXX and XX/XX/XXXXXXXX. 

The respective companies have acknowledged these errors and have committed to rectifying them by updating the status to open/never late. Other credit bureaus have already made the necessary corrections after the companies recognized the inaccuracies in the accounts. 

I am requesting a comprehensive investigation into these accounts and prompt communication of the findings via mail. As per the information available online, such disputes should ideally be resolved within 30 days. Therefore, I anticipate receiving your response within this timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am at my whits end. I honestly do n't know what else to do. I 'm trying to get some inaccuracies off my credit report but i keep running into dead ends with the credit bureaus XXXX ... ... .. 

XXXX # XXXX I HAVE NEVER DONE BUSINESS WITH XXXX!!!!! I HAVE ALSO TRIED TO CONTACT THEM SEVERAL TIMES!!!! CLEARLY THIS COMPANY HAS MADE A MISTAKE AND THIS ACCOUNT SHOULD BE REMOVED IMMEDIATELY!!!! 
-XXXX XXXX # XXXX THIS COMPANY IS IN SEVERAL VIOLATIONS OF THE HIPPA LAW!!!!!!!!! THEY SENT ME SEVERAL DOCUMENTS THAT HAD ALL MY MEDICAL INFORMATION ON IT ... .DOWN TO THE PROCEDURES I HAD DONE. i ASKED THEM FOR A MEDICAL RELEASE FORM AND THEY FAILED TO SEND ME ONE!!!!! THIS COMPANY NEEDS TO SEND THIS ACCOUNT BACK TO THE ORIGINAL CREDITOR AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORT ASAP!!!! 


( XXXX ) ) PUBLIC RECORD # XXXX FIRST OF ALL I HAVE NEVER IN MY LIFE FILED BANKRUPTCY!!!!! SOMEONE HAS MADE A MISTAKE AND IT IS CAUSING GREAT DAMAGE TO MY CREDIT REPORT!!!!! THIS IS VERY INACCURATE INFORMATION AND NEEDS TO BE REMOVED!!! HOW IN THE WORLD ARE YOU VERYFYING THIS ACCOUNT XXXX? WHO ARE YOU SPEAKING WITH? CAN I GET A NAME, DATE AND TIME SO I CAN PROCEED WITH THE STEPS I HAVE TO TAKE!! 
-XXXX XXXX XXXX I HAVE NEVER DONE BUSINESS WITH XXXX!!!!! I HAVE ALSO TRIED TO CONTACT THEM SEVERAL TIMES!!!! CLEARLY THIS COMPANY HAS MADE A MISTAKE AND THIS ACCOUNT SHOULD BE REMOVED IMMEDIATELY!!!! 
-XXXX # XXXX THIS ACCOUNT IS INACCURATE ... THE ACCOUNT NUMBER AND THE BALANCE OWED ... .PLEASE REMOVE!!!! 

( ( EQUIFAX ) ) XXXX XXXX # XXXX THIS COMPANY HAS ALREADY HAD CHARGES BROUGHT UP AGAINST THEM FOR FAILING TO SEND REQUESTED DEBT VALIDATION!!!! I SENT THEM A LETTER FOR DEBT VALIDATION OVER 1 YEAR AGO ... .NO RESPONSE AND THE LETTERS KEEP COMING BACK ... HOW ARE YOU VERIFYING THIS?
Product: Debt collection

I HAVE NOT SUPPLIED PROOF UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
RESURGENT RECEIVABLE Opened XX/XX/year> {$1300.00} I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 U.S. Code 1681b 2 company has permission to report my information per 15 usc 16814
Product: Credit card or prepaid card

Sir/Madam, I am writing this letter about my credit card account my name XXXX XXXX XXXX and i live in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX.. my previous address was XXXX XXXX XXXX XXXX XXXX ca XXXX With due respect I would like to state that on XX/XX/2020 I requested for freezing my discover card account due to identity theft because someone is pretending to be a worker from the XXXX and tricked me into giving my details..
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Dispute of Inaccurate Credit Reporting by Discover Bank ( Account Number : XXXX ) Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off account on my credit reports by Discover Bank. The details of the account in question are as follows : - Account Number : XXXX - Account Type : Revolving ( Credit Card ) - Original Creditor : Discover Bank - Balance : {$5400.00} - Date Opened : XX/XX/2021 - Payment Status : Collection/Chargeoff The issues with this account are as follows : XXXX. XXXX*Continuous Reporting of Charge-off : ** The account has been reported as a charge-off every month for the past three years. According to IRS guidelines, an unpaid charge-off is considered income and should not be repeatedly reported in this manner. The continuous monthly reporting of this charge-off is misleading and does not accurately reflect the true status of the debt. 

XXXX. **Sale of Debt : ** The debt associated with this account has been sold to another company. The original creditor should have updated the account status to indicate this change. Reporting the debt as an active charge-off after it has been sold is inaccurate and misleading.

3. **Issuance of Form 1099-C : ** I have requested a Form 1099-C from the original creditor, which should have been issued to indicate the cancellation of the debt. The absence of this form suggests that the debt should no longer be reported as active. 

The Fair Credit Reporting Act ( FCRA ) requires that all information reported on my credit report must be accurate. Continuously reporting this debt as a charge-off while it has been sold to another company and should be recognized as canceled debt is a violation of the FCRA. 

I have previously disputed this matter with the credit bureaus ( XXXX, XXXX, and XXXX ) and the original creditor, but the issue remains unresolved. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that my credit reports are corrected to reflect accurate information. 

Please find attached copies of relevant documentation, including my communications with the original creditor and the credit bureaus. 

I request that the CFPB intervenes to have this inaccurate charge-off removed from my credit reports promptly. 

Thank you for your attention to this matter. 

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

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

I receive constant calls from XXXX XXXX XXXXt to collect a debt from some credit card purchases made with an XXXX card ( that I've never owned ) and in a state that I've never been in.
Product: Checking or savings account

I asked to close my HSBC Direct Savings account. I was assured this would be done in 2-3 days. It's past 20 days and the account is still open. See confirmation of closure request attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, and XXXX XXXXXXXX. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 

XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX  Inquiry Date XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and realized that I had damages on my credit report that is hindering me from purchasing a home. According to 15 U.S.C 1681 There should not be any damages on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is furnishing inaccurate accounts in an attempt to coerce me to pay on them. The accounts have not been validated by the consumer and no attempts were made by Equifax to verify the information as they are obligated to by the FDCPA. Multiple attempts were made to resolve this issue, the most recent being XX/XX/2021.
Product: Debt collection

I paid this account ( XXXX XXXX ) in full on XX/XX/XXXX in the amount of {$3800.00}. I paid over the phone using a debit card. I did NOT accept a settlement offer and paid the entire account in full. After I made the payment I asked if they would send me an email confirmation that my account was paid in full. They told me that it would automatically be sent. By XXXX  or XXXX I still had not received an email showing that my account was paid in full although the money had been taken out of my account. I called again on XXXX and requested the letter. I did receive a letter from them on XXXX however, the letter reflects that I accepted a settlement offer and the account was paid in full. I then call them again on XXXX XXXX XXXX XXXX. and spent a long time on the phone going over everything again. They agreed that my debt was paid in full and that it was NOT part of a settlement offer. Therefore, I asked them to send me a new letter reflecting the correct information as what I have is incorrect. It took several attempts to get someone that could hep me. I called customer service, collections and recovery departments. It was finally the recovery department ( XXXX ) that said that they would send me a corrected letter. I finally received a second letter today, however, it is an exact duplicate of what had already been sent with the exception of a different date! I'm so frustrated. I've spent so much time on the phone and they tell me that they will send the correct letter and I still don't have it. I want a letter that depicts what actually happened. My account was PAID in FULL with no settlement offer! It shouldn't be that hard.
Product: Debt collection

I received this information on credit karma. 

{$270.00} Open balance RADIUS GLOBAL SOLUTIONS Original creditor There was no account number.
Product: Credit reporting or other personal consumer reports

XXXX . And XXXX. And apple.Please remove Those. It XXXX my self that applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX Account # 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 a account without my written instructions
Product: Debt collection

On XX/XX/year>, I received a summons from XXXX XXXX XXXX, informing that I was scheduled to appear in court on XX/XX/year> at XXXX to answer to debt that is owed to their company XXXXXXXX XXXX XXXX XXXX debt Collections Innovations for {$2300.00}. I met with XXXX XXXX regarding the alleged amount owed to the company. She refused to provide a copy of original credit agreement allegedly signed by me and the purchase agreement given her and her employers the right to collect on said XXXX XXXX XXXX reply is we do not have to provide that information to you. Are you ready to pay the debt now. I stated no I can not afford to pay a debt. I need the requested verification of purchase agreement and copy of the original credit agreement. XXXX XXXX denied request again and stated that she was resetting my court date for XX/XX/year> at XXXX and letter of reset date received via mail at my legal residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies continue to traffic my non personal information. I have reached out to CEOs of XXXX, XXXX, XXXX XXXX. I have put XXXX, Transunion, XXXX on notice of the fraud. It has been over XXXX  days. All companies continue to conspire against me trafficking my nonpublic information without written consent or instruction by me the consumer. Causing damages, mental anguish, and defamation of character. Willing and knowingly violating federal law. I have made numerous complaints and companies continue to threaten and use abuse practice against me.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX has reported Discover Bank on my credit report as a charge off with the amount of {$760.00} from XXXX.2020 that is not mine. This account does not belong to me and I have never had a Discover Credit Card nor have I done business with them I have tried disputing to XXXX and XXXX but they have not removed the account.
Product: Money transfer, virtual currency, or money service

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