23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, WV XXXX ( XXXX ) XXXX COMPLAINT AGAINST : VIOLATION : Great Lakes FAIR DEBT COLLECTIONS PRACTICES ACT XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX LIABILITY SECTION XXXX ( XXXX ) XXXX ACCOUNT NUMBER : XXXX CONSUMER FINANCIAL PROTECTIONS BUREAU, I am reaching out for some help. Here is my complaint. Great Lakes is in violation of the FAIR DEBT COLLECTIONS PRACTICES ACT ( FDCPA ). 

I have requested that Great Lakes provide me with an original version of the Master Promissory Note in its complete and original form for a debt that they claim I owe them. I have requested this item via certified mail with return receipt, fax with receipt, email, and phone calls. My first communication was sent on XXXX. They have sent me a copy of a signature page with a signature that looks like my signature, but I do not recognize the document nor do I remember ever signing it. The rest of the document is missing. Great Lakes cant find any of it except the page with the signature. Basically they have one sheet with a signature and no pages with any identifiable details on it. They are trying to make me pay them over {$7000.00} with a promissory note that is missing sections A-D and has no identifiable data with it or any terms to an agreement. They refuse to send a letter of deletion to the bureaus even though they do not have a complete contract and the paper that they do have, does n't have any details like address, DOB, Social Security Number, Name of School Attended, Loan Amount, ect.  They only have a page with a signature. 

I am asking for help because I feel like this business has violated the FDCPA by not providing sufficient documentation and not removing the account from my credit report after I have sent various requests in several forms for them to either provide sufficient proof of the debt or remove the account. Instead they have decided to stick to their guns and claim that the page they sent me is sufficient proof. I have sent the page of the promissory note that they sent me. They have told me that they do not have the rest of the contract. I spoke with an attorney today and showed them the document and the attorney told me that the page they sent me is a legal document but it would not hold up in court because it does n't have any information or terms. I have repeatedly asked for the rest of the document and they have repeatedly refused to do anything. I have a ton of documentation of my conversations with them in the form of certified letters, fax, phone, email, and etc. I have attached just a few to give you an idea of what I 'm dealing with. 

Please help me resolve this matter and clear my name and my credit worthiness. If you need anymore details, then please ask. 


Thank You, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX XXXX
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 customer financial protection act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute 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 laws and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm relocating to XXXX and looking to purchasing a condo. I checked my credit score just to see whats was on my report because I haven't checked it in a minute. While checking my report I saw an account that is not mine. Since then I had a fraud report completed by the police and I got an identity theft report completed by Federal Trade Commission This is the item on my credit that is not mine : XXXX XXXX Please remove remove this from my credit
Product: Credit reporting or other personal consumer reports

n 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 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 applied for an offer from XXXX XXXX XXXX and was denied by Chase I already have a XXXX   credit account and am a XXXX XXXX account holder. I was not declined for those reasons instead they told me I had Deliquancy or public record. 
I have a Bankruptcy that will be off my record this XXXX after 10 years. Also told me number of new requests which was a problem with the credit bureau last year that has been resolved. Length of time since oldest credit. My first credit was when I was XXXX and I am now XXXX and last Length of time since most recent public record. I got a VA loan in XX/XX/XXXX and last record was the Bankruptcy in XX/XX/XXXX.

When I filed Bankruptcy I did list Chase as a creditor and I believe that is the reason for this decline. Discrimination.
Product: Debt collection

I am lodging a formal complaint against Phoenix financial services, this debt collector has violated the fdcpa/fcra, by reporting derogatory information on my credit reports in the amount of {$240.00} for one debt, and {$500.00} for another. Phoenix financial never sent me a dunning notice, which gives me the right to dispute validity of debt within 30 days of notice. I've recieved nothing from them ever. No mail, no phone calls, nothing. Just a derogatory hit on my credit reports. This is happening at the worst time as I'm in the process of purchasing my very first home for my family and I. Now I'm being told this erroneous debt is holding me back. I am requesting immediate deletion of these accounts immediately. XXXX, and attorney general complaints will be filed if these accounts aren't deleted immediately. Thank you for your time.
Product: Debt collection

Credit Bureau Dispute Resoluti XXXX XXXX XXXX XXXX XXXX, IA XXXX Has held a debt on my account for over 8 years that disputed. They would harrass leave negative messages with employers over a credit card that was used as fraud that I canceled on wells fargo years ago. I refused to call because its best to receive writing. In 8 years I have never received writing/proof and when I did my background check/ credit check none of this was in my way 7 years ago. I asked for proof and received nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
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 FAILE TO TAKE TIMELY AND EFFECTIVE MEASURES TO PREVENT AND ADDRESS FRAUD ON THEIR PLATFORM LEAVING MY ACCOUNT VULNERABLE AND UNPROTECTED FURTHERMORE THEIR DISPUTE RESOLUTION PROCESS WAS UNFAIR AND DECEPTIVE AS THEY DID NOT COMPLY WITH ERROR SOLUTION REQUIREMENTS UNDER THE ELECTRONIC FUND TRANSFER ACT EFTA AND REGULATIONS E. THESE ACTIONS HAVE CAUSED SIGNIFICANT INCONVENIENCES AND FINANCIAL LOSS AND I SEEK APPROPRIATE REDRESS FOR THESE VIOLATIONS
Product: Checking or savings account

I called customer service and I spoke to representative I was informed by the representative that my account was getting closed I asked what about the money that was in the account she informed me that it will be sent at their discretion when they are ready to send it but then that tell me that they are closing account onto I called to find out why my card was not working
Product: Credit reporting or other personal consumer reports

On ( XX/XX/2024 ), I sent a letter to ( JEFFERSON CAPITAL SYST ) requesting the removal of an alleged account from my consumer report, stemming from identity theft. Despite more than 30 days passing, I have neither received a response nor has ( JEFFERSON CAPITAL SYST ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter mailed on ( XX/XX/2024 ), along with an updated FTC identity theft report.
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 USC 1681. 

Account name : XXXX XXXX XXXXXXXX {$360.00} 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 written instructions.

15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C. 16818-2 ( AX1 ) 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. 

Experian continues to violate my rights with this creditor. Documentation has been submitted on multiple occasions and removed just for experian to violate my rights. This account has been proved fraudulent.
Product: Debt collection

Original creditor was XXXX XXXX  for a XXXX  XXXX  taken on XX/XX/18. The requisition letter specifically indicates XXXX was to charge the provider directly, XXXX XXXX XXXX. Instead of billing XXXX as they should have, they attempted to bill my insurance, which was likely an old insurance carrier they had in their system. According to XXXX, XXXX kept making billing mistakes and so they stopped sending paper bills to XXXX clients altogether around this time. Either way, this was reported in XX/XX/XXXX of this year. When I found out, I notified XXXX, XXXX, and the collection agency that it was in error. The error was confirmed by both XXXX and XXXX - this bill was not owed by me ever. The account is marked as closed but it should be completely removed.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the unresolved issue of my late open account with Equifax Credit Bureau. Despite my numerous attempts to rectify this situation, my account remains in an overdue status. 

I would like to provide a brief overview of my efforts to address this matter : I first became aware of the late open account status. Immediately, I contacted your company and initiated communication with your customer service department to discuss the issue. 

Subsequently, I made several attempts to resolve the situation by phone, email, and in-person visits to your office. During these interactions, I provided all requested documentation and information to address the outstanding balance. 

Despite my commitment to resolving this matter, the late open account status remains unchanged, and I have received no concrete steps or response from your company on how to proceed. 

This ongoing issue has caused me significant stress and inconvenience. As a customer of Equifax Credit Bureau I expected a more responsive and efficient resolution process. 

I kindly request that you take immediate action to address this issue and provide me with a clear plan for rectifying my late open account. If there are any additional details or documents needed from my end, please inform me promptly, and I will provide the necessary information. 

I believe in fair and transparent communication and trust that we can resolve this issue to our mutual satisfaction. However, if this issue continues to be neglected, I may have no choice but to seek legal assistance to protect my rights and interests as a customer. I am asking for your assistance to correct the late open account : XXXX XXXX XXXXXXXX Balance Owed : {$33000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$24000.00} on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This amount reporting is completely fraudulent. I had ( 2 ) months left on my lease with XXXX XXXX XXXX and they agreed to have me work doing XXXX on the property however, they never followed through with the job and now XXXX XXXX XXXX is saying I owe over {$24000.00} for damages that I allegedly had done when I took it upon myself to weed my yard and put down a couple of pieces of sod. This inaccurate reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. This is a completely unsubstantiated claim. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting late payments during a pandemic calls in to make payment arrangements during pandemic. 

Reporting inaccurate information like dates and amounts of whats due on loan.

are violating the Fair Creah Reporting Act.

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus do not have no written permission.

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

B ) Reporting information after notice and confirmation of errors
Product: Checking or savings account

3 months ago in XX/XX/2019, I was notified by USAA that I needed to update my W-9 information. They also threatened that if I did not, they may withold taxes on interest. I have been with the bank for over 40 years and they have that information already. Nonetheless, I called the bank and informed them that I was not subject to IRS witholding and therefor, according to everything I read, was not required to furnish any W-9 info or updates. The agent said that I did not have to sign the form if I did not want to. I said I would not as it is not necessary or required by law ( from what I understand ). She agreed. When I tried to log on last week ( XX/XX/19 ) or so, I was stopped by a pop-up requiring me to sign a W-9 or could not proceed. I finally went thru the maze of document finding and signed it to avoid further complications. When I finally got to my account I noticed USAA had already witheld {$.00} taxes from my measly {$.00} interest gained in my checking account. I do not believe this is legal, as do thousands of other USAA customers complaining on the USAA forum site ( also where I left comment last XXXX ). I would like to get a formal ruling on this as USAA seems to be abusing it's autority with it's customers. Perhaps they have had a security breach, lost customer W-9 's, or info therin, and they are covering it up with this story ... .there are many theories on the forum.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was established with a rate reduction plan with XXXX private loans to pay {$340.00} a month and set agreed dates per month for 12 months in 2017. The funds were drafted from my account via auto debit. In the months of XXXX, XXXX and XXXX of 2017 the funds were still drafting as agreed however the company didn't notify me that i needed to enroll in another rate reduction plan. And the funds agreed of the {$340.00} still continuing to draft out leaving me to believe things were fine as agreed. I contacted XXXX  and spoke to countless agents to correct this issue. Each one avoids the subject any way they can. I have recorded calls from each agent i speak with every time i call. Not at any point was i told the rate reduction program was ending or needed to be reenrolled or even that the payments had been increasing. I asked why the payments would continue to draft at {$340.00} if the payment was increased and got the response " we are going to take what ever money you owe us '' and dont have to notify you. '' The reports show 60 days late. 
I have disputed this many times with XXXX  and no help. I have disputed with the credit bureaus and nothing has changed. 
XXXX has been the worst company to deal with. 

I continued to call for 2 years to have my due date changed. Each call was lies and being told to talk to this department then that department would say to talk to the other department. Back and forth between departments to simply resolve the matter in date changes. Surprisingly some of the late fees they charged were removed after i called and spoke to multiple supervisors.
Product: Mortgage

We were financed thru loan depot, then we refinanced thru XXXX XXXX they paid off our home loan at loan depot on XX/XX/2020. Then loan depot put a late payment in XXXX on our credit report for XXXX. Now We have that on our credit report for late payment witch never happened. Then we also bought a car which in turn made us have to have a higher interest rate.. They need to take that off our credit report and give us a letter to take to our bank to fix the interest rate on the car. Please contact me Because they never will several times tried left on hold for 30 to 45 mins then disconnects Thank you XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I discovered a Georgia State Lien on my credit report in XXXX XXXX. I called the court in XXXX County and was told it was paid. I informed the credit bureau and the date of payment of my credit report states XXXX XXXX instead of a payment date of XXXX XXXX XXXX. It is 7 years on XXXX XXXX, XXXX since being paid and I would like it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy that has been on my report since 2013, I am wanting to see if I can get it removed early. it is suppose to come off in XXXX of this year
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reclaimed a car that was nearly paid off. Only {$500.00} was left to pay for teh car. And the car was also sold at an auction which wiped out the debt. Yet XXXX  is trying to collect {$32000.00} from me. They are also reporting that account as open on my credit file, which it is not. It os a closed charge off. And the past due amount is wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 4 months I have made several disputes with Equifax & XXXX regarding an fraudulent account being reported on my XXXX/Equifax Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from Equifax & XXXX proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I booked an appointment with a hairstylist that never showed up I was scammed out of my money and the service. I reached out to cash app to resolve issue but was declined a refund.