23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In the year XXXX, I XXXX XXXX, co-signed for my daughter XXXX XXXX apartment at XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX as she had relocated there for college. Once her lease ended in XXXX, I traveled to XXXX XXXX to help clean up and move her back home to XXXX. We took pictures of the apartment and completed a walk through with a representative of XXXX XXXX, which was cleared. We were told that XXXX could expect her full deposit of approximately {$350.00} in the mail. To this date, XXXX has not received her deposit. 
In XXXX, I received multiple phone calls from a woman who refused to provide her full name and was representing herself as a representative for XXXX XXXX, demanding a varying amount between {$160.00} and {$170.00} dollars. I requested written verification of the amount and reason for the amount as we had not been charged or notified of any further expense after the walk through of the apartment or within a reasonable time frame. I also reminded the caller that they had kept XXXX deposit, which exceeded {$160.00} and never sent her or myself an explanation of what that deposit was used to pay. To this date I have never received a verification bill or letter as requested to XXXX XXXX. 
In XXXX of XXXX, XXXX XXXX put me in collections for a delinquency of {$160.00} through XXXX, which I disputed and am attaching verification of letters sent from an attorney I was forced to retain due to XXXX XXXX negligent and unprofessional conduct. XXXX XXXX never responded to my request of verification and validity of their alleged money owed nor did they respond with verification of withholding of XXXX deposit. This lack of compliance by XXXX XXXX, resulted in XXXX  deleting the collections delinquency from my report in XXXX of XXXX. 
To my surprise, on XXXX of XXXX, I received notification that I was in collections again for this deceitful charge from SOUTHWEST RECOVERY SERVICE representing XXXX XXXX for the amount of {$200.00}. Here again, I never received verification of debt from SOUTHWEST RECOVERY SERVIC in accordance with the law. 
I have always ensured that I pay my debt in a timely and responsible manner. Had I received proper verification of debt from XXXX XXXX as I requested in XXXX and XXXX, I would have paid my debt promptly. However, I was not afforded that right. I am attaching documentation of this unfounded debt and proof that XXXX XXXX has acted in a negligent and unlawful manner by not responding to legal counsel representing me in XXXX. I demand that SOUTHWEST RECOVERY SERVICE investigate and immediately delete this unfounded delinquency from my credit report and notify XXXX and all credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information from my credit report. Despite my previous attempts, the following items remain erroneously reported and are causing significant harm to my creditworthiness. The details of the disputed accounts are as follows : As per the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy and fairness of the information in my credit report. The continued presence of these incorrect entries is a violation of my rights under the FCRA. I request that these entries be re-investigated and removed from my credit report immediately. Please help me remove these accounts : XXXX XXXX XXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX Balance : {$810.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

XXXX XXXX XXXX Balance : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/2023 I viewed my consumer report and noticed that there are several accounts that are not reporting accurately. According to the FCRA all accounts must be verified and 100 % accurate. As a consumer I am protected my congress, I've requested all three disclosures with my writtten consent and signature. U.S.C. 15 1681 ( a ) section ( 4 ) staes " There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for consumer right to privacy.. Please remove all the accounts listed from all my consumer reports immediatey to prevent future litigation. 
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: Money transfer, virtual currency, or money service

I sent {$1000.00} through money gram and the transaction did not complete on XX/XX/XXXX. I went to the store where I sent my money gram and called money gram to get a refund and was given a reference number and was told to wait 36 hours before I could get my money back. I have been given 4 numbers in the last 2 weeks and still have not be able to get my money back. The last time I went was on XX/XX/XXXX and was given another set of reference numbers and was told to wait 36 hours. I am not getting my refund back and this company seems to be doing nothing to resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have some errors on my file that I need to have addressed. I have a incorrect name on my credit my name is not XXXX XXXX please delete this name. I do not live at nor have I ever lived at XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX Please delete these unknown numbers : ( 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 reached out to Transunion requesting that these inquires be investigated and prove to be an inquiry I authorized with written consent. I have not initiated any transaction with XXXX on XX/XX/2022 or XXXX XXXX on XX/XX/2022 Further, No accounts has been opened on these dates with these creditors. Therefore I do not have a account as defined under 15 U.S.C. 1693a ( 2 ) with these two Creditors for review or collection. 

According to 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
I never gave written consent to have my consumer report obtained by either of these 2 creditors which means these inquires are unauthorized, neiter did I give Transunion permission to but these inquires on my consumer report.
Product: Credit reporting or other personal consumer reports

I have been sending dispute letters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, demands and document request for almost a year with several certified mail recents, this company as shown clear signs of willful non compliance by refusing to accept documents sent with dispute letters, also by willfully reporting 2 different accounts with the same company and mostly breaking several FCRA laws. This would be the second CFPB complaint with no action taken by the company. Exact accounts, dates, along with proof of identity, recent paystubs, original copy of birth certificate, copy of Valid State ID, recent bank statements, recent utility bills and copies of Consumer Reports purchased from Identity IQ dating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, and ( XXXX  ) have been attached to all 4-6 months old certified mail dispute recents. I am filing this claim to support legal action for statutory, Punitive, and civil liability damages. 

For refusing to update personal information, disputing and removing positive accounts on consumer report that wasn't requested but ignoring actual negative items disputed resulting in a negative credit score and high interest rates, willful non compliance for FCRA laws 15 USC 1681A ( Definitions ; rules of construction ), 15 USC 1681E ( Compliance Procedures ), 15 USC 1681n ( Civil liability for willful noncompliance ), 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), 15 U.S. Code 1681d ( Disclosure of investigative consumer reports ) ,15 U.S. Code 1681i ( Procedure in case of disputed accuracy ), 15 U.S. Code 1681b ( Permissible purposes of consumer reports ) I will also be filing a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that trasnsUnion and XXXX, will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate : XXXX XXXX XXXX Account number XXXX
Product: Debt collection

VALIDATION CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA, XXXX XXXX XXXX XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX, VA XXXX Subject : Debt Validation Request Dear Portfolio Recovery Associates, I have received correspondence regarding a debt collection and need to verify that you have contacted the correct individual. I am writing to request validation of the debt you have reported to me in your recent communication and am requesting that you provide documentation supporting this. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt. Please provide me with the following information regarding this debt : 1. A detailed contract showing the amount owed exists along with verification of the debt amount you are attempting to collect.

2. The name and address of the original creditor to whom the debt was originally owed and the current creditor.

3. Documentation showing that you are authorized to collect this debt, such as a copy of the original contract or agreement. Include documentation showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please provide this information within 30 days from the date of this letter. During this period, I request that you cease and desist all collection activities until you have provided the requested validation.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus.

Please note that this request does not acknowledge that I owe the debt. If you are unable to provide validation, please remove this entry from my credit report and cease all further collection efforts.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
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 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, 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 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 card or prepaid card

I was charged a {$70.00} annual fee from Grain and in my documents it says no annual fee. The company automatically took {$70.00} from my checking account for an annual fee that Im not suppose to have. I have my agreement from grain that says no annual fee. This is wrong what they did and a scam. Im so upset and I want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom i t may con cern, I have sent correspondence to all three credit bureaus regarding public records ( Tax liens and Bankruptcies ) on my credit report and asked them to permanently remove the information off of my reports because they have it listed as the courts and the record of deeds as the parties who placed the information in my report and that is inaccurate information, i have correspondence from each stating that they do not report to credit bureaus and it is a violation of the Fair Credit Reporting Act to report false information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is beingvreported as late. This is inaccurate and there is only one XXXX XXXX account. My credit reportvshows two seperate accounts. Please see attached document from creditor that reflects the inaccuracies that show on my report. 15 U.S.C. .C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. 

Attachments
Product: Credit card

Disputed a charge of {$550.00} in 4 payments of {$130.00}. Received 3 credits missing 1 Inaccurate information seriously damaging my report. Never missed a payment.

Wrote letter, Citibank received on XXXX XXXX and never reply.
Product: Checking or savings account

As the designated Power of Attorney and the Pay on Death beneficiary while my partner was ill and had been declared mentally incompetent to handle his affairs I moved those funds to the business account to protect them because his driver 's license, debit card with the PIN had been stolen while he was in the hospital. A few days later the bank placed a hold on the business account. Several more weeks passed and the money was removed with no indication as to where it had been deposited. Later, he passed away and the attorney for the adult children upon instructions from the bank refused to honor the POD and told their attorney that I still had the {$60000.00} at which time I was hassled over and over again for it. Over and over I tried to explain that the bank had removed the money from the business account and that it was not in my possession. To this day I do not know where the money went because it became evident that the children did not have it and neither did I. Over and over the bank has refused to answer the whereabouts of the money and insist that their Customer Deposit Agreement preempts all. And, that deposit agreement was used to quash a subpoena issued for production of those bank records at which time the bank 's attorney opened an arbitration case in which their attorney stated the statue of limitation had expired and the case was closed. I am asking this agency to review their deposit agreement as I believe it is an unconscionable contract and has severely harmed both me and the business.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, FL, XXXX XXXX XXXX Last 4 SSN:XXXX Subject : Dispute of Late Payments Under TILA 15 U.S. Code 1666 ( b ) ( Billing Error ) I recently reviewed my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ), which pertains to billing errors. 

According to this law : A creditor 's failure to properly reflect a payment on a statement constitutes a billing error. 
A computation error or similar accounting mistake on a creditors statement also qualifies as a billing error. 
As I understand, the creditor failed to notify me 21 days before issuing a statement, which means the late payments on this account should not exist. I request hard, solid proof from the creditor showing that I missed a payment and was correctly marked as late. Given that this is a billing error, these late payments must be removed immediately. 

REQUEST FOR REMOVAL I request that the following accounts be updated to reflect a " Paid as Agreed '' status on my consumer report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Failure to correct this error violates my rights under consumer protection laws. If these inaccuracies are not resolved promptly, I will seek monetary compensation for damages under 15 U.S. Code 1681n for civil liability. Additionally, I am prepared to escalate this dispute by filing a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and the Federal Trade Commission. 

I expect a response confirming the correction of my credit report. Please address this matter immediately. 

Sincerely, XXXX XXXX
Product: Debt collection

This is my 3rd attempt to get the information Ive requested before I get a lawyer and sue. They are violating the law by not giving me the documents Im requesting. Once I receive the next response, Ill use all 3 responses and due.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Student loan

On Tuesday ( XXXX XXXX, XXXX ) I called my student loan servicer, EdFinancial, to receive a refund for student loan payments made during the payment pause. According to XXXX this should be allowed, as they state that " You can get a refund for any payment ( including auto-debit payments ) you make during the payment pause ( beginning XX/XX/XXXX ). Contact your loan servicer to request that your payment be refunded. '' ( XXXX XXXX XXXX XXXX XXXXXXXX ). Over the phone with EdFinancial I was told that they would submit the request, but had absolutely no timeline to give me. They would not tell me if I would receive the refund within weeks, months, or more. This is ridiculous, since other student aid loan servicers are telling people to expect refunds within weeks, or a few months ( many examples confirming this online ). It seems that EdFinancial is the only servicer with no real timeline. I called again on Thursday ( XXXX XXXX, XXXX ) to confirm that the refund was submitted and asked again for a timeline, and I was again told that they had no timeline to give me. The refund is for a large amount of money ( {$8900.00} in total ), and waiting an unspecified amount of time ( months? years? ) to receive it would be completely inappropriate, especially when other servicers are not having this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a collection account as closed. This CRA continues to validate and allow this company to report this on my report. It is even showing past due. This account is inactive and closed and should be removed from my report. The CRAs and XXXX are violating the FCRA. Ive submitted an account summary with my disputes and each CRA is apparently using an e-Oscar system which is not correct. 

XXXX cant even validate the account. The attached letter shows they cant validate the account. I mailed the letter below on XX/XX/XXXX and emailed it on XX/XX/XXXX and I received the attached letter a few days later. 

To Whom It May Concern : I am XXXX XXXX and Im writing regarding the above referenced accounts and transactions. 

This vehicle was repossessed by XXXX XXXX in the State of Georgia on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. The first date of delinquency was XX/XX/XXXX. 

Under the laws of the State of Georgia Respective rights of buyer, seller, etc., following repossession of motor vehicle sold under a retail installment contract are covered under Georgia Law, specifically Code Section 10-1-36 of the Official Code of Georgia. UCC 10-1-36. Disposition of motor vehicle repossessed after default ; right to recover deficiency and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. This was originally mailed on XX/XX/XXXX and I havent heard back from you. 

In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies.
Product: Student loan

Interest that accure and the balloon interest that went on loan in the short period of time since navient taken over the loans, unreasonable negotiating of lower my payments to an reasonable payments, would not accept a reasonable payment arrangement even after i told them that i was homeless and without a job.