23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have refinanced two loans through SOFI banking the original loan having an origination date of XX/XX/XXXX, and the second loan having an origination date of XX/XX/XXXX XXXX second refinance loan was to replace the original. 

SOFI is claiming they sent the money to XXXX and that they are waiting for account closure on their end. However my original loan was transferred internally to XXXX by XXXX on the date of XX/XX/XXXX. SOFI is claiming that they have no control over the situation and have taken {$680.00} out of my account to pay for a loan I no longer have. The payments were made on XX/XX/XXXX of {$340.00} and on XX/XX/XXXX of {$340.00}. I have chosen to no longer pay on this loan and am late {$340.00} as of XX/XX/XXXX. 

I am current on my second loan refinance of {$150.00} which is the only loan the bank should have on my behalf. SOFI is choosing to make this issue with XXXX their customers problem and requesting that the loan is payed on my behalf for an indeterminate amount of time. 

Both loans are internally associated with SOFI, however they are claiming that there is nothing they can do.
Product: Money transfer, virtual currency, or money service

I was offered a job and the company sent me a check to deposit in my bank account. The next day, I was coax to send part of the money through Cash App to a vendor that would supposedly buy the software I would need for the accounting job I was offered. After sending the money as directed, my cousin that I was in contact with told me it might be a scam! I tried reaching Cash App to alert them but there was no customer care phone number to contact. I notified my bank and was advised to contact Cash App which I did through email because there is no customer care phone number to call.
Product: Credit reporting

Experian is not correcting my credit report. 
I have sent letters, and documentation on all of this to them, as well as proof I have paid off all my credit cards. My credit should be around XXXX or higher I currently work for XXXX, Not XXXX XXXX. I currently make XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX To Whom This May Concern, PORTFOLIO RECOVERY ASSOCIATES LLC I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not recieve proper notification. If in fact you believe that I received proper notification, please provide the certified mail with a receipt with my signature on it stating that I received it. 

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. 

Collection agency has no authority to furnish any account to a consumer agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) The collection agency is violating my consumer rights by using false misleading, misrepresentaion and deceptive means. 

I am disputing owing any and all depts. I am also revoking all rights of them ( PORTFOLIO RECOVERY ASSOCIATES LLC ) communicating with me through email/text/calls. I would also like to request the purchase agreement between PORTFOLIO RECOVERY ASSOCIATES LLC and the original creditor. Along with furnishing proof of license and bonded. 

Also 15 USC 1692 ( c ) states that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may NOT communicate with a consumer in connection with the collection of any debt. 



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

Regarding case # :  XXXX  The above matter show 's the wanton and willful deception of  XXXX   XXXX   XXXX . They state the following : "  XXXX  advised the borrowe r [  your, truly ] that educational loan debt is not dischargeable through bankruptcy. '' NOT TRUE,  XXXX   XXXX   XXXX  ... .and you know it ...     I would have to open what is known as an adversarial proceeding, and the standard is that I have to prove several things according to the so-called "  XXXX  test '' ( look it up  ).  But, you tell that lie to the poor and minorities ( like myself ), and in so doing you perpetuate a lie that student loans are not dischargeable through bankruptcy proceedings with the intent to give the WRONG impression that they can never be discharged at all. IF IT WERE N'T TRUE, THEN I COULD N'T FILE AN ADVERSARIAL PROCEEDING ...     I think your deception is at the root of why the CFPB has a major lawsuit against you for your incipient corruption and misleading of the consumer borrower. And, boy, do you mislead.     The fact of the matter remains that I was told that by an entity connected directly to you that all prior negative notations on my account would be deleted when the loans were rehabilitated.     The fact of the matter is that you are not " required '' by the FCRA to report negative past history, but you may, if the information is accurate. Do n't try to mislead -- - yet again -- - with that wrong impression ; I 'm not buying it.     But, in this particular instance, I am only holding to you to the standard that your own representatives  XXXX  or authorized third party ) told me.     Ultimately, I will probably have to file an adversarial proceeding and pursue the matter that way. The likelihood that you are going to ever be fully repaid by a  XXXX  male, in his middle  XXXX  's, with no college degree, and who owes over $  XXXX , when he borrowed not even half that much is, well ... .you tell me.      HAPPY   XXXX ,  XXXX   XXXX   XXXX .   Go get'em CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested myself to be removed as authorized user from the account that the owner has passed away and requested the lender also adjust it to credit report in this case is XXXX by sending Suntrust written request As XXXX XXXX ( Vice President of advocacy management office )!

However Suntrust Never responded to my request!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} ; XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Recently Experian has reported accounts to to my consumer report that doesn't belong to me and violates my privacy rights. I've mailed them a dispute letter asking them to investigate the accounts listed in the dispute letter. The accounts reporting doesn't belong to me nor have my consent to report. I have no knowledge of the creditors asking me to pay a debt. How can I owe a debt to someone if there was never any mutual agreement prior? I asked them to verify this debt any send me any documents with my authorization. I never gave Experian permission to even furnish a consumer profile of me nor did they have authorization to report these unverified accounts. I understand that there are consumer laws that protect me as a consumer and it is Experian duty to do what's fair and equitable for me. I also understand that in order for them to report any account it must be verifiable and accurate in which these accounts isn't. Any account on my consumer report that isn't mines or inaccurate must be removed from my consumer report. Pursuant 15 U.S. Code 1692c - Communication in connection with debt collection, I ask that these creditors cease all communication with me in which bay definition of " communication '' reporting these accounts is a form of communication and if you fail to do so then thats a violation on your behalf. Any violations reporting to my consumer report after your response you will be held liable for damages.

Violations committed : Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Product: Credit reporting 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. 
I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : XXXX XXXX XXXX SERVICES : XXXX However, they stated everything was complete and accurate but how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Mortgage

The company First Home mortage completed an escrow analyst in XX/XX/2021 informing my account was short. I explain the shortage was the property taxes. The taxes had already been paid. I submitted proof to them via email as they instructed from tax and assessment. I had to call them every day because they refuse to run the new analysis to calculate the taxes being paid. 

I need the mortgage company to account for the tax payment and return my payment to its original amount.
Product: Debt collection

My name is XXXX XXXX a federally protected consumer and Im making this Complaint against LVNV FUNDING LLC # XXXX for committing identity theft. I have never given LVNV FUNDING LLC any permission to use my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Im legally refusing to pay this debt Pursuant to 12 CFR 1006.34 ( c ). I am demanding a cease and desist of all activity, any communication and collection activity, Of this and any alleged debt until LVNV FUNDING LLC can provide me with sufficient documentary evidence, such as a trilateral contract that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV FUNDING LLC continues it collection efforts. I wil file for litigation for Emotional, Economical, defamation for actual damages caused and LVNV FUNDING LLC admission will be held criminally liable for aggravated identity theft Pursuant to 18 USC 1028A extortion, theft, by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1 - 202f. 
Your Prompt Attention and Response are both Requested and Required LVNV FUNDING LLC ( # XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, there was a charge for tax services by XXXX XXXX XXXX NY for {$570.00}. I filled a dispute on XX/XX/XXXX with the credit company ( citibank ) as this merchant is a fraud and does not have a license to provide tax services. I explained this to the credit card company and they said they had to reach out to the merchant first. The credit card company sided with the merchant on XX/XX/XXXX even though they could not provide me any documents that the merchant give them to show he provided tax services legally. I been trying to speak to a manager at citibank to handle this issue, but have been unsuccessful. I have reported this merchant to reportfraud.ftc.gov. I also will be reporting the merchant to the IRS for improper tax preparation. 

I have attached the receipt, I have an email asking for a following up from the merchant. I made phone calls to the merchant with no call back.
Product: Student loan

After several requests XXXX XXXX has never mailed me a receipt of a payment. And said he did not know if he could get my loan info. How can you collect a loan without loan acct information? This company true to collect dirty but has little paper trail or verification to back up their claims.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$890.00} XXXX  XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$190.00} XXXX  # XXXX XX/XX/XXXX -- {$2000.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$630.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$380.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> I submitted information to Transunion to be disputed. They did not correct the errors. I had different information on all XXXX of my credit reports and the information did not get corrected.
Product: Debt collection

On XX/XX/2020 Portfolio Recovery Associates filed a lawsuit stating that I owed them XXXX. The court date was set for XXXX XXXX, the plaintiff did not show up. The court date was rescheduled 3 days before the initial court date, they did not show up for the rescheduled date. They filed a continuation which was scheduled for XX/XX/2020 and a gentleman who was present was impersonating an attorney. 

During the court session, I pointed out several discrepancies with their claims. One being the varies amounts claimed to be owed. The second being the bogus witnesses and signatures throughout several documents. The case was ultimately dismissed, however, still remains on my credit report. 

This company does not have a signed contract or photo ID to even verify who the owner of the debt is and is preventing me from getting loans and employment by falsely reporting information they can not prove. They tried to get a default judgement by rescheduling court dates and not showing up the first two appearance and appearing a 3rd time, hoping I would not be there. During the court proceedings they even tried to read a " witness '' statement knowing the rules of the court requires all witnesses be present.
Product: Debt or credit management

XXXX XXXX XXXX XXXX preyed on me when I was on XXXX XXXX  state XXXX due to a XXXX injury. I believe they obtained my credit information from my state XXXX claim or state workers compensation claim. Either way, Fresh Start preyed on me when I was vulnerable, but I recovered now, and I see ways they continue to preditorily leave negative remarks on my credit that are hindering my growth, career, and integrity as a consumer. XXXX XXXX XXXX XXXX began mailing me letters asking me to contact them to find out how they could assist me as professional financial consultants that could to help me make XXXX monthly payment to an escrow account and theyd make regular monthly payments to my creditors while I recovered. They asked if I had hardships I experienced an injury and divorce and sold this as a good idea to help me stress less about bills and focus on recovering and getting back to work. A man named XXXX XXXX called me and went over my accounts, enrolled store accounts XXXX, XXXX XXXX, XXXX XXXX. He said XXXX be happy to know I was responsible and anytime they called me I could let them know I had support. XXXX XXXX asked me to sign a note and mail it back to them. I was not aware IT WAS A POWER OF ATTORNEY. After they received the note, XXXX called to inform me that XXXX XXXX XXXX XXXX was changing names to XXXX XXXX and my new counselors name was XXXX XXXX who began calling me acting sympathetic to my daily stress and told me to ignore all the letters. Now, months later, I began getting served at my home, XXXX  from XXXX XXXX suing me for the full amount. At this point I had paid XXXX XXXX over {$XXXX}. I notified XXXX XXXX and she acted confused. Once I start speaking with XXXX to tell them what happened, I was not aware they purchased my debt from XXXX XXXX and XXXX XXXX, but in good faith, during XXXX, I negotiated a settlement for both XXXX, XXXX XXXX, and XXXX XXXX. I receive a letter stating I have a XXXX balance ( still unaware they illegally obtained my debt ). Now years later, XXXX XXXX continued to falsely report delinquent debt I do not owe because they said I signed A POWER OF ATTORNEY. Funny how all of this sold to them by XXXX XXXX. I have all my documentation. All the emails. Even the power of attorney. I have a XXXX XXXX XXXX and cant qualify for a simple auto loan with who? XXXX  XXXX auto finance? Why? Reports of a serious delinquency? They owned my debt and unfairly sold my credit accounts to a criminal organization and are STILL trying to pin this on me to get my money! But funny enough they wont release my credit accounts back to the open market. I want to request an investigation. I want to follow XXXX XXXX because XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, and this unknown XXXX XXXX XXXX XXXX may still be doing this to others. Its a cycle you cant get out of and then guess what, the attorney had no CA XXXX ID, but can help you file XXXX. See the cycle works? California consumers must be warned and aware. XXXX XXXX is a predatory lender, they are vicious cycle and will burn you for life intentionally.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XXXX I am the agent XXXX, XXXX XXXX for the XXXX  XXXX XXXX making an attempt to opt of reporting services for the XXXX  XXXX Account Number XXXX with Experian. The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Experian is a consumer reporting agency and I am the consumer, a natural person. As the consumer, I have the right to ensure my private information is not shared pursuant to 15 USC 6801. 15 USC 6801 states that It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. In this case, XXXX XXXX is a financial institution by definition in accordance with 15 USC 6801.

15 USC 1681 section 604 ( a ) section 2 references In general Subject to section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX who is the financial institution and the consumer reporting agency reporting on this account ( Experian ) DOES NOT have my consent to furnish this information or my written consent. Any and all consent to Experian, and XXXX XXXX whether verbal, non-verbal, written, or implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public financial information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX has never informed me or notified me of my right to exercise my non disclosure option. 

Additionally, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is in fact an adverse item they are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) states that 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 information is inaccurate. Furthermore, 15 USC 1681 ( e ) states that Every customer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Finally, pursuant to 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Vehicle loan or lease

In XX/XX/XXXX I purchased a XXXX from XXXX XXXX in XXXX AZ ( XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ) for {$28000.00} with an {$8000.00} down payment leaving a balance of {$20000.00} with first payment XX/XX/XXXX of {$210.00}, an amount that included # XXXX finance charge. At the time of purchase i made an additional payment of {$5000.00} lowering the total loan to {$15000.00}. I originally wanted to pay cash for the car but the Dealer encouraged me to finance as it would help my credit rating. 
The loan was financed by ALLY ( XXXX. BOX XXXX, XXXX, MN XXXX ) When I received the first statement I made an additional payment of {$5000.00} believing it would lower my liability. 
On the contrary, each month since I have received a bill for the same amount, {$210.00} indicating that the {$5000.00} did not lower my liability at all. They accepted the {$5000.00} payment yet continued to deduct the {$70.00} finance charge from that payment. See attached XX/XX/XXXX statement. 
I want my monthly {$70.00} payments to go toward the balance due at this time.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX my card was hacked and used multiple times at XXXXXXXX XXXX XXXX and a bunch of other random times. Totaling XXXX plus dollars. I contacted cash app and they did an investigation saying that all the transactions were legit. That I swiped my card at all these locations XXXX miles away. When I have transactions minutes before in XXXX, Arkansas. Subsequently I was out all of that money.