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

I have opened a case with the CFPB with Discover as relates to my account and my wifes and both my wife and I have received corespondents from there executive resolution department. Which is listed below, I have emailed, called and received no response on the pre existing CFPB case opened or email and voice corespondents. I have disputed with all three agencies with XXXX simply applying a comment costumer disagreed and XXXX moving my single reported late payment from XX/XX/2021 to XX/XX/2021. Which is totally inaccurate. Below is the.email both my wife and received from Discover on our accounts. I have also attached the payment snapshot showing that there was no late payment in XXXX or XX/XX/2021. This is has been a very hard year for me and my wife due to Covid and we truly love being part of the Discover family but all that is being asked from even the first CFPB cases opened for both me and wifes accounts was that the single late payment being reported be removed from all three agencies. We are both very much aware of are financial responsibility and take it very seriously, which is why we are working very hard to pay our debt off completely starting with my wifes account next week. You can see the schedule payment in your system. 

From : XXXX Date : XX/XX/2021 at XXXX XXXX  CDT To : Executive Office of Discover Financial Services XXXX Subject : Re : Your Inquiry to Discover XXXX, Thank you for your response please let me know if there is anything you need from me regarding this issue. 

XXXX On XX/XX/2021, at XXXX XXXX, Executive Office of Discover Financial Services XXXX wrote : Dear XXXX XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure the concerns are properly addressed, your correspondence has been forwarded to my attention at the Executive Office of Customer Advocacy within Discover. 

I am currently in the process of investigating your concerns. A detailed response will be sent to you upon completion of my investigation. 

If you have any questions or would like to provide additional information, please feel free to contact me at ( XXXX ) XXXX. I am typically available weekdays from XXXXXXXX XXXX  to XXXX XXXX ET. 

Sincerely, XXXX Executive Office of Customer Advocacy
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrectly reporting of student loans being paid 1st through NJ Higher Education then went to debt collector, attorney XXXX XXXX back in XX/XX/2012 have been paying since but they are not reporting I have written to NJ Higher Education previous to the attached letter twice but nothing happened. You will see by the correspondence what has gone on through the years. Yet everyone says nothing changed. Also to this day no-one will in turn send me what the balance was when the attorney received these accounts? Why? 

I am uploading the correspondence below for your review. Maybe you can help me. This is hurting my credit tremendously as it looks as though I have not been paying at all. 

Thank you. 

XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

According to Capital One Auto, a consumer credit transaction application/contract was manufactured by XXXX and furnished to me XX/XX/XXXX for a XXXX red XXXX XXXX for the alleged amount of the total sale price {$40000.00}. The Finance Charge of {$11000.00} and the amount financed {$27000.00} with a total of payments, {$39000.00} with a {$340.00} down payment. The contract also stated and identified me the consumer with full security interest. ACCOUNT # XXXX I received several monthly statement requesting payment of account with the alleged debts and it's due balance which I offered to perform in good faith to settle upon the condition that Capital One Auto provide me all the necessary proof of evidence pursuant the " Fair Debt Collection Practices Act '' [ 15 USC 1692 et seq. ], which I listed in requests documents numbered below. Also I have discovered in the contract provided that TITLE 15 U.S. Code 1601 TRUTH IN LENDING ACT WAS NOT EXERCISED NOR DISCLOSED NO WHERE IN THE SAID CONTRACT WHICH CONSTITUTES A DEFAULT. After viewing other sections of the contract I also discovered there was no mention or disclosure of GAAP with the said contract. 

1. Debt Collector Disclosure which they did not provide with their letter of response. 
2. Affidavit Of Debt Validation which they did not provide with their letter of response. 
3. To Cease And Desist which they ignored. Pursuant the Fair Debt Collection Practices Act, 15USC 1692c ( c ) 4. Requesting full disclosure of GAAP. 
I have given Capital One Auto multiple default and opportunity cure the issue at hand by sending all my affidavits certified mail and they have yet to respond to me with the requested information. 

An Affidavit unrebutted stands as Truth. 

According to, United States v. his, 658 F.2d 526, 536 ( 7th Cir. 1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 1982 ] Allegations in Affidavit in support of motion must be considered as True in absence of counter- affidavit ''. [ Group v Finletter,108 F. Supp. 327 Federal case of Group v Finleter, 108 F. Supp. 327 ] An affidavit uncontested unrequited unanswered, Morris v National Cash Register, 44 S.W. 2d 433 Morris v National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''. 

I have also provided Capital One Auto several exhibits disclosing all their violations of my consumer rights pursuant the FDCPA, FCRA and I also provided them with a detailed invoice. 15 U.S. Code 1692k ( A-A -E ) - Civil liability Also requested Capital One Auto to provide GAAP XXXX Generally Accepted Accounting Principles is the accounting standard adopted by the U.S. Securities and Exchange Commission XXXX
Product: Debt collection

I am writing to formally file a complaint regarding non receipt of debt validation from collection law firm XXXX XXXX XXXX. 

Details of the Complaint : Date of Incident : Begin on XX/XX/XXXX Company Involved : XXXX XXXX XXXX on behalf of Citibank , N.A . 
Account Number Listed : XXXX Description of the Issue : On XX/XX/XXXX in the evening I was served with court paperwork that I was being sued for a debt that I have no knowledge of. I reached out to this law office the morning of XX/XX/XXXX and requested validation of this debt, I wanted them to provide some kind of information that I have signed or a copy of my drivers licence really anything that would verify this debt is mine. On XX/XX/XXXX I received a package containing XXXX pages of nothing more than billing statements dated between XX/XX/XXXX and XX/XX/XXXX. Nothing but billing statements provided. There is no signature, no credit card agreement, nor anything that list my name other than billing statements. Again I have no knowledge of this credit card. I reached back out to XXXX XXXX on XX/XX/XXXX and informed them what they sent does not prove anything more than the debt exist but not who owes this. I told them what they provided was verification of the debt, I do not doubt the debts existence I doubt this is my debt and reinformed them that on XX/XX/XXXX that I had requested validation of this debt. I called again today XX/XX/XXXX to check the status of this request and was told everything is on hold and nothing further has been sent out. I would like this taken care of as I have diligently tried my best to help this law firm. This is not my debt and they are either unwilling or unable to provide anything that validates this debt as mine. I have provided adequate time and would respectfully request debt collection practices cease and this account be removed my credit report with all XXXX major credit bureaus. 

Despite my attempts to resolve this matter directly with both XXXX XXXX and Citibank , N.A . the collection efforts continue. When I contact Citibank directly they do not have any information for me in any of their systems. When I contact XXXX XXXX, XXXX I do not get any correct information directly related to me. They have listed XXXX XXXX XXXX, that is not me, my name is XXXX XXXX XXXX XXXX and anything bank or credit card would have that XXXX listed. XXXX XXXX also does not have correct contact information in their systems further telling me this is not my debt. 
I believe this situation falls under the jurisdiction of the Consumer Financial Protection Bureau and request your assistance in resolving this issue. 

Thank you for your attention to this matter. I look forward to your prompt response. If further information is needed please do not hesitate to contact me I will be happy to provide what I have available. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

They have repossessed our car and auctioned it off. We get many calls a day. They were sent a notice and still keep calling. Each time we talk they say they will keep calling till we pay. I am XXXX and on XXXX. We do not have enough to pay our regular bills.
Product: Credit reporting or other personal consumer reports

I received a notice from the IRS for payments received from Google payment corp that weren't reported. I don't have an account but someone was able to create one with my social security number for {$53000.00}. I've already filed complaints with government agencies, but can't seem to get ahold of anyone at Google payment corp . I'm not understanding how this happened.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX {$260.00} XXXX XXXX XXXX  {$10.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$1900.00} XXXX XXXX  XXXX {$820.00} XXXX XXXX XXXX {$9800.00} XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX i have no knowledge of the accounts and inquiries listed above. 15 USC 1681b. please remove these accounts and inquiries off of my credit report.
Product: Debt collection

Nationwide Recovery Service has debt reflecting on my XXXX credit report that I was told is a medical bill. I was never contacted in reference to nor do I know what this debt is for.
Product: Debt collection

Us bank is reporting an account opened in XX/XX/22. It is not my account. They said it associated XXXX XXXX XXXX XXXX  credit card which Ive never had any credit cards with XXXXXXXX XXXX  Numerous attempts requesting proof have been sent to credit bureaus and the companies involved. This account is a result of identity theft. Numerous ftc reports have been made
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

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

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This CFPB Complaint serves as a follow up CFPB Complaint for my previous CFPB Complaint requesting that the Credit Reporting Agencies investigate and remove the accounts that resulted due to erroneous activities. On XX/XX/2023, I sent a dispute letter to each of the Credit reporting Agencies to have the charge off accounts removed from my Credit File. In those letters I attached copies of my personal identifying documents to prove that it I who submitted the requests. I requested the Credit Bureaus to thoroughly investigate the following accounts and have them removed from my Credit File in accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX  ) XXXX Balance : {$0.00} and XXXX  XXXX XXXX  XXXX Balance : {$2200.00}. These accounts are clearly erroneous and misleading and must be removed from my Credit file the sooner the better. I have attached the letters I sent on XX/XX/2023 for I fear that the letters I sent would not be received by the Credit Bureaus. This complaint serves as my assurance for the Credit Bureaus to receive the letters.
Product: Debt collection

I feel like I'm being taken advantage of being ignored of my disputes. XXXX explicitly states that failure to review an item within 30 days will result in its immediate removal from my credit record. Since more than 60 days have passed, these entries must be deleted immediately. I demand the quick deletion of these accounts, or I will sue you for the stress you have given me.
Product: Credit reporting or other personal consumer reports

Please delete negative debt and inquiries off all three credit bureaus. This debt is over ten years old, and the creditors charged them off and did provide me with a XXXX so I could file this income with the IRS. XXXX, XXXX, and Equifax have been sued for releasing personal information from their system being HACK and cause an hardship for me.
Product: Student loan

I have a loan with Wells Fargo, they are reporting it 30 days late, when they kept rejecting the payment from the bank. The account I have, has no check, so I am forced to pay it electronic. When I called them they told they have no clue whats going on. I finally paid it over the phone, but they still reported it 30 - days late. Their lack of communication and assistance was horrible. In addition their web site was of no help. It does not work half the time and they give you incomplete information. They do not seem to understand how to help on the phone with these issues. Even my bank XXXX advised me that they should be able to take the payment and they were of no help to their Bill Pay Department. Instead they try to force you to pay the amount over the phone and incur a fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies, XXXX, Experian and XXXX accept data from businesses and collection agencies and place it on a consumer 's credit report no questions asked. The original item has usually been purchased by a debt buyer who does not care whether the item is valid or not, typically makes no effort to collect on it, and has purchased it in order to receive a write-off by from the IRS. Often the original item is an error, a blunt show of power or force by, say, a property manager or an aggrieved business entity with an axe to grind, or a flat out fabrication. When the outraged consumer tries to challenge inaccurate or unfair information he typically gets an exhausting run around from XXXX  or the others who make demand after demand that the consumer " verify '' their identity so that XXXX  can keep it's database up to snuff. Otherwise they have nothing to sell to the banks who collude with the credit reporting agencies in the manufacture of the " credit score '' software that is provided free of charge to their retail clients such as XXXX XXXX or XXXX XXXX. The banks also outsource their underwriters to these retailers who essentially pose as employees of said retailer rejecting credit applications. This is fraud on the part of the banks and they all do it : XXXX  XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX -- all of them. This is a scandal and the government should put a stop to it. XXXX  and the banks are lawless and unregulated. XXXX  will do everything in its power to hang on to negative information because otherwise they have nothing to sell to the banks, who in an effort to eliminate " risk '' have become both a social ill and a quasi-criminal enterprise engaged in unauthorized misuse, distribution, disclosure and sale of social security numbers, a federal offense which is not enforced. Challenged by the consumer, XXXX  will insist on being supplied with the consumer 's name, date of birth, addresses going back three years, a daytime phone number, a driver 's license, a social security number, a social security card, as well as enlargements of all documents including a recent utility bill. XXXX  will typically then say " we are unable to verify your identity '' and refuse to correct or delete anything they would prefer to keep. This experience is akin to being XXXX-XXXX  and XXXX. Hire a law firm to challenge XXXX  and they will stonewall by claiming to have " verified as accurate '' information obtained from the know-nothing collection agencies who as previously stated have no idea nor do they care whether the " debt '' is valid or not so long as they get their write-off. This is a vicious circle and the upshot is the consumer can not get a mortgage, buy a home or achieve the American Dream. Somebody please put an end to the ability of the credit reporting agencies and the banks to act with complete impunity, knowingly lawless, unregulated and sanctioned by Congress to keep inaccurate information in their database for SEVEN years.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash cash app ( Block ink ) due to inadequate customer service, and unfair practices which violated consumer financial protection act, ( CFPA ) specifically, cash app fail to take time effective measurements to prevent an address fraud on their platform, leaving My Account, vulnerable and unprotected for the more their dispute resolution process was unfair and deceptive, as they did not comply with an error, resolution requirement under the electronic fraud transferring at EFTA and regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Bank account or service

SPRINGLEAF FINANCIAL SERVICES made an unauthorized credit inquiry to my XXXX credit file
Product: Student loan

I recently saw that the federal government has filed a lawsuit against Sallie Mae and was directed to file a complaint against them on this site. I have had nothing but issues with Sallie Mae since I applied for a loan prior to starting college in XXXX. I believe that they had me borrow more money than I ever needed to from the start and since I graduated in XXXX I have struggled tremendously with repaying them. I have had issues finding a job in any field despite having a XXXX and my payments to them are making it nearly impossible to repay them. I contacted their customer service this past summer to attempt to sign-up for an income-based repayment plan and was treated rudely by their customer service and was told that they do n't have such a plan. Later, I found out that they do and ended up defaulting on a few payments until it all got sorted out. I am tired of dealing with this company and, alongside millions of other recent graduates, would like to see them have to deal with how they have treated their borrowers.
Product: Checking or savings account

I use Chime Banking and unfortunately I was part of a scam and lost {$2500.00}. The send a text looking like it's from Chime that there was potential fraud asking if you purchased a certain amount at a certain store. If you respond " XXXX '' they call you to get resolved. They sound very professional using agent numbers for example and they are from the Chime fraud department. They make it sound it's urgent to get resolved because there were multiple transactions attempted XXXX, XXXX. They asked me if I knew XXXX XXXX. I said no and never heard of him. The scammers state that they need to document the amounts so they walked me through the process which was to pay using my name and XXXX to send {$1100.00} & {$1300.00}. XXXX '. They stated the funds will return once the fraud department receives it. I had no idea and was panicking about my account being hacked as to why I complied. I then called CHIME and spoke with a representative and asked them if my accounts shows fraud and communication with their fraud department and they stated no. I explained what just happened and told them to stop the XXXX transactions asap! They said they couldn't do that. They also asked if I was aware of the XXXX scam. I told them I never heard of it. CHIME obviously knew about the scam, but they never notified their customers. I never received any type of communication from CHIME warning me of this scam. I have the phone numbers, texts and a name, and location saved from the scammers. 

TEXT # 's : XXXX AND a text from XXXX XXXX XXXX ( location XXXX  and said he joined in XXXX ). 
PHONE CALL # : XXXX ( XXXX XXXX XXXX XXXX  )