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

My name is XXXX XXXX XXXX, my SS # is XXXX. I am FILING THIS COMPLAINT TO XXXX XXXX FILE # XXXX I HAVE A FEW ISSUES WITH FURNISHED ITEMS ON MY REPORT! Please send me the name and address of the provider or furnishers providing this data, and the manner in which it was provided so I can conduct my own research with additional legal remedies. FCRA requires a reasonable procedures to assure 100 % accurate the information on my credit report. I request you verify the items disputing without a simple computer generated inquiry, e-Oscar or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source. FCRA Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. I DO NOT CARE TO USE Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. Your failure to positively verify these accounts has hurt my ability to obtain credit. PLEASE DELETE THE FOLLOWING UNKNOWN ACCOUNTS :  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

On XX/XX/XXXX using Sendwave I attempted to send money for family support to my sister. I have been doing this for about a year without a problem. It usually arrives in a matter of minutes. 

This time she never received it. We reached out to Sendwave on at least three separate occasions to solve the problem. Although I do not have dates I do have the names of people that I spoke to XXXX, XXXX and XXXX. The reference number is # XXXX. The confirmation number of the transaction is XXXX. 

I requested a reversal of the transaction and an investigation. I provided them with a statement of activity from my sister 's account proving that she did not receive the money on XX/XX/XXXX or anytime after that. Two of the customer service reps promised me that the issue would be resolved with either my sister receiving her money or the money returned to me. Neither happened. 

Today XX/XX/year> Sendwave sent me a " text '' stating they can not do anything further to get my money back. I am appalled that they are taking {$50.00} that was going to provide food for my sister who is a widow and has no means of support and keeping it!. I trusted them for over a year to send money to my family in need and this is how I am being treated. I am appalled. Surely they should not be able to get away with this.
Product: Debt collection

I recently review a copy of my credit report and notice | had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account with XXXX financial opened XX/XX/XXXX. On XXXX XXXX has XX/XX/XXXX. The highest credit was {$9200.00}. XXXX XXXX has {$13000.00}. This loan has been sold five times. My compliant is with XXXX XXXX as well as XXXX XXXX. XXXX sold to XXXX XXXX, from XXXX XXXX to Green Tree, from Green Tree to Ditech and currently XXXX XXXX is trying to collect. I feel I have paid this loan in full. I never boworred {$13000.00} form XXXX. I believe this information is outdated. All companies listed stated collections under XXXX. I began XXXX reported having received {$5800.00} when transferred to another lender in XX/XX/XXXX. On XXXX   {$4700.00} activity designation paid and closed. Ditech received payment up until XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not removing files when theyre sent with an FTC report. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following items as they are fraudulent & were opened without my consent or knowledge If you claim these items are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$180.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$190.00} XXXX XXXX ( XXXX XXXX : XXXX ) XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX =======TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification.
Product: Debt collection

Subject : Formal Complaint Regarding Harassment, Improper Debt Collection Practices, and Violation of Dispute Rights Dear LVNV Funding LLC, I am writing to formally complain about the conduct of your debt collection practices related to my account with the number XXXX. I have encountered several issues that are causing me significant distress and believe they constitute a violation of federal and state laws governing debt collection. 

Harassment : I have received multiple harassing phone calls and written communications from your representatives. These communications include threats, abusive language, and repeated calls outside of legal hours. According to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692d, debt collectors are prohibited from engaging in conduct that harasses, oppresses, or abuses any person. 
Selling Information to Third Parties : I am concerned that my personal and financial information related to this account has been sold or shared with third parties without my consent. This practice appears to be a violation of the Gramm-Leach-Bliley Act ( GLBA ) and other privacy laws, which require that consumers ' financial information be handled with confidentiality and only shared with authorized parties. 
Denial of Dispute Rights : Despite my efforts to dispute the validity of the debt in question, my attempts have been ignored, and I have been denied the opportunity to formally address these discrepancies. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to dispute inaccuracies on my credit report and receive a proper investigation.
Product: Credit reporting or other personal consumer reports

College Avenue Student Loan reported to XXXX that a payment in XX/XX/XXXX was late by 30 days. However, College Ave also reported the following : " Payment Deferred. XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX '' The above is taken directly from the information submitted by College Ave Student Loan to XXXX. 
The XX/XX/XXXX payment is being reported 30 days late by College Ave Student Loan, however, this could not possibly be true since College Ave Student Loan is also reporting the Payments were deferred starting in XX/XX/XXXX. I believe College Ave is discriminating against me on the basis of race.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, In multiple attempts with Experian, I have submitted disputes across 8 accounts that were included in a Chapter XXXX bankruptcy that was filed in XX/XX/2016 and subsequently discharged in XX/XX/2016. These accounts were in good standing with no late payments up to and including the time of the bankruptcy. Experian continues to report these accounts as " Charge Off '' in the payment history which does not accurately reflect that state of these accounts. 

Under the Fair Credit Reporting Act ( FCRA ) of a credit bureau report of an account that has been discharged in bankruptcy as " charged off as bad debt. '' We acknowledge receipt of your request, pursuant to the Commission procedure set forth in 16 C.F.R. 2.2 ( a ), for an investigation of the credit bureau. 

Section 607 ( of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' In my view, it is not a reasonable procedure to label an account that has been discharged in bankruptcy as " charged off as bad debt '' if the account was open and not charged off when the consumer filed bankruptcy. Such a designation would be inaccurate or misleading, because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. 

The latest dispute reference number is XXXX. 

Sincerely yours, XXXX XXXX
Product: Student loan

I know I have been wrongfully charged late fees and interest applied to my total remaining balance due to the complete incompetence of payment processing and auto pay set up with Navient Corporation. This has occurred over the entire course of my student loan repayment after leaving college though I do not. I unfortunately do not have much record of the incidents leading me to this conclusion at this time. I hope to seek Justice in this matter none the less. Navient Corporation has called me many times over the course of my Dept repayment to inform me of late and not received payments. On the first of these phone conversations which they informed me was being recorded, I complained about not being able to login online to view my debt. They informed me this was due to them not having my correct social on file and asking me to mail a copy of my SSN card in the mail to the company. I complained that I would like to set up autopay to avoid these late fees and misprocessed payments, only to be told that I would first need to send in my SSN. I was extremely frustrated by this and failed to comply, thinking it a ridiculous request. Only to find out the next time I spoke to them over the phone that in fact, they do have my correct social on file and I don't need to mail anything in. I then was finally allowed to bring my balance current and I asked to set up auto pay to avoid problems in the future. I gave the representative on the line my account and routing number and was informed that it was set up and everything was taken care of. This occurred about a year ago, only to find out six months later, that in fact, auto pay had not been set up and I was again late in my payments for the entire time that I was under the impression it was on auto pay. I then was given the option to bring my balance current again, which I did and I also made sure to have them set up auto pay to avoid this from happening again and gave them my routing and account number a second time. I was given yet another " all future payments are set up for autopay '' by the company representative. I have just today ( XX/XX/2019 ) been informed that in fact this was another lie. I just moments before typing this complaint was on the phone with Navient to complain about not being able to login online to see my loan. The representative again informed me that I am past due on my payments and that auto pay has not been set up. I could barely believe it and tried explaining my situation to the representative who was unsympathetic. So I made my balance current yet again and yet again set up autopay. Only this time I asked for Navient to send me written confirmation of autopay being set up. I feel as though I may never receive justice for the years of mistreatment and additional charges and delayed loan payoff and credit score hits received due to the gross incompetence of the payment processing of Navient Corporation
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I contacted Midland credit management about a collection they would not give me any information then again on XX/XX/year> spoke to them again and the lady told me this debt was no longer with them and told me to call XXXX XXXX  they also could not give me any info and told me to call XXXX XXXX XXXX they guy told me the information on this debt was wrong and the acct is closed but on my report it said open
Product: Student loan

I requested student loan from Sallie Mae to pursue a medical program ( XXXX ) at XXXX XXXX. Since this was my first experience dealing with banks and financial institutions, Sallie Mae bank created several loans with several accounts with different interest rates varying roughly from 7.00 % to nearly 20 %. Unable to recall all the technical details and exact numbers. I started making interest payments only for quiet some time. Now the bank is squeezing me real bad. They are obligating me to pay more than {$3000.00} each month and I am expecting them to increase this month in the near future. I just started working as an entry level XXXX XXXX and basically my whole monthly earning goes to Sallie Mae
Product: Credit reporting

Confirmation # XXXX XXXX/XXXX/2016 We have reviewed your concerns and our conclusions are : " Please be specific with your concerns by listing the account names, numbers, and the nature of your dispute. '' 1. Account Name : XXXX XXXX XXXX ( Debt Collector ) XXXX ( Original Creditor ) 2. Amount {$130.00} This is false and misleading information that you recorded on my credit report.
Product: Credit reporting or other personal consumer reports

Notice to Correct Credit Report Dear _____cfpb_____________ Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

My information was exposed in a data breach
Product: Money transfer, virtual currency, or money service

Ace check cash representative fraudulent took my cash that was fir my credit card payment. Never applying funds it credit card, for XXXX months XXXX credit cards. I was able to locate receipt and representative made copies and never phoned me back, or paid my creditor. Stealing my funds and destroying my credit score.
Product: Debt collection

I should not receive a bill from a debt collector on this account. I have been covered under Medicaid since 2018!! I have not received a letter from this agency to even be provided with a chance to dispute this account. This is now on my credit and if it is not removed immediately, I will seek litigation against this third party company as well as the physician 's group!
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown and unauthorized credit inquiries are showing on my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit and submitted a request to Experian to temporarily remove the credit freeze on my credit report. I was given confirmation that the lift was in place from XX/XX/2019 thru XX/XX/2019. I later received word from the lender that they were unable to verify my credit. I made a second attempt to lift the freeze from XX/XX/2019 thru XX/XX/2019 and was given a confirmation #. Once again the lender was unable to access my report. I made several attempts to contact Experian by phone and online but their menus do not offer any way to question why the freeze was not lifted and I found it impossible to reach any person to even ask questions of let alone resolve problems. As a result my credit application is still held up until I can get a resolution to this problem.
Product: Debt collection

My husband is the debtor but this company is contacting my former co-workers and asking for him or me. I am not responsible for his student loan debt. The people being contacted are unrelated to my husband and this is affecting my professional reputation.
Product: Checking or savings account

My card was fraudulently used and other transactions were done using my stolen phone XXXX XXXX. They denied my claim.
Product: Vehicle loan or lease

On XX/XX/XXXX at XXXX XXXX, I spoke with a representative that told me I should have received title within 25 days from payoff date, which was XX/XX/XXXX. After the representative looked further into account notes, she stated the title had been requested because it wasn't held in house. As of XX/XX/XXXX, she doesn't know when to expect title, why it wasn't sent ir when I would receive it. When I asked to speak to a manager or someone who could give me an answer, she stated there wasn't anyone. All she fan donis send an email. 

Exeter finance has taken my money and not sent me my car title. No one can explain to me when I'll receive it, the hold up or where I can complain about this issue.
Product: Debt collection

On XX/XX/2018, I am doing a settlement to XXXX XXXX XXXX , XXXX, File No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX  using MACHOL JOHANNES LLC   Attorney at Law but they are not a lawyer XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone # XXXX where I paid {$3000.00} from my Debit Card ending XXXX and it shows from my bank account that they received my payments. I called them today that they will be sent a printout receipt from their system. Now, I received another collection letter from another collection company name : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX   phone XXXX claiming a {$5000.00} don't want to deduct my payment {$3000.00}.

XXXX XXXX XXXX , XXXX already removed my derogatory remarks from Credit report such as XXXX, and XXXX XXXX was already deleted XX/XX/2018. They advise me not to send a payment to XXXX XXXX, XXXX  until they send me to collections and we have to file a dispute.
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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 reporting

account has been settled in full and is still being reported as a open collection.
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 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 resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. This is my official statement about the crime. Contact Information FTC Report Number : XXXX Name : XXXX XXXX XXXX : XXXX Last Name : XXXX XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX USA Personal Statement Phone : XXXX I went over my credit car bureaus info and I fond that someone had used my personal information to get credit cards and to lease car as well. My personal information was use to open this accounts. 

XXXXXXXX XXXX XXXX XXXXXXXX # XXXX amount : {$600.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX amount : {$2400.00} Accounts Affected by the Crime Fraudulent Auto Loan or Lease Company or Organization : Account Number : Date fraud began : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$10000.00} Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all incorrect information on my credit report with transunion. checking my file ive noticed alot of invalid data that is hindering my file. it has caused alot of denials an is hindering my report please update that information to correct my credit report.