23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or about XX/XX/2020, I contacted UGA finance to request a cancellation of the loan due to the Federal Trade Commission ( FTC ) obtaining a RESTRAINING ORDER WITH ASSET FREEZE AND OTHER EQUITABLE RELIEF against UGA 's client, XXXX  XXXX XXXX-for running an Investment Traning Scheme costing thousands of consumers ( including me ) over {$370.00} million dollars ; and due to financial hardship. I spoke to a UGA finance representative in which I advised her of these issues, in which she ACKNOWLEDGED my concerns and offered to REMOVE my autopay from my account, and differed payment obligations until the court/restraining order is lifted. 

Since then, on or about XX/XX/2020, I received a voicement from UGA finance requesting me to return their call. Upon returning their call, I was connected with an agent who was attempting to collect a payment and saying I had a past due amount, notwithstanding the fact that there has been a restraining order with asset freeze & other equitable relief ; and UGA finance previously agreed to remove my autopay and defer payment obligations until the court order was resolved. 

Today, XX/XX/2020 I received another email stating : " the due date for you to make a payment to your Account has passed. You can view the the late charge grace period and fee amount by logging into your Account online and selecting the " Account Summary '' tab located on the left sidebar, '' Notwithstanding the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I submitted a complaint to the following credit Bureaus Trans Union XXXX and XXXX stating the the information that they are reporting on my account has been inaccurately reported and needed to be corrected they today XX/XX/22 they have yet to get back to me with a response or result I wish to have the items removed from my credit report for they have been a burden on my financial health.
Product: Debt collection

I sent a letter to ALLIED COLLECTION SVC regarding account XXXX asking to verify and validate this debt. I was notified that this account was verified with no proof of original documents with my signature. I was not give a fair and thorough investigation per the FCRA. I also believe that they may not have a license to collect in Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been disputing these accounts reporting on my credit report since i pulled my credit report on XXXX 2016. i have submitted several disputes to the credit bureau about these accounts do not belong to me. They keep submitting response back that they have validate these accounts. I have requested over Several times for them to send me verification as to how they validated these accounts were mine and accurately? I have requested documentation of my signature on these inaccurate accounts, if they can not provide that then to delete these accounts from my credit report. The FCRA requires that all credit reporting bureaus are supposed to verify before this information is added to your credit file. I have asked on numerous attempts for them to provide me documentation showing i signed and agreed and they have not provided me these methods of verification saying they have verified these accounts as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : XXXX which is attached. Please block and remove all information from my credit report and send me an updated copy of credit report. 

Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information attached. 

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 
Also, they aren't even in compliance with Metro 2 credit reporting.
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 confidentially under 15 USC 1681. The account numbers reported to XXXX, XXXX and Transunion are not the same for ( XXXX XXXX XXXX XXXX ) The account number listed for XXXX is # XXXX, XXXX is # XXXX and Transunion is # XXXX, ( Transunion is different ) Transunion is listing a Collection Account for ( XXXX  ) in the amount of {$210.00}, this account ( XXXX  ) is not listed on XXXX or XXXX. 

There is an account ( XXXX XXXX ) listed on XXXX in the amount of {$180.00}, the address listed is XXXX XXXX XXXX XXXX, MA XXXX the reporting date is XX/XX/year>. This account is listed on Transunion as ( XXXX XXXX ) the address listed is XXXX XXXX XXXX. XXXX, MA XXXX, and the reporting date is XX/XX/year>, in the amount of {$180.00}, this account ( XXXX  XXXX ) or ( XXXX XXXX ) is not listed on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is loaded with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting. I've tried to fix the problem with the credit reporting agencies by letting them know the information that was inaccurate in my credit report. THEY HAVE BEEN NO HELP. I WANT THIS PROBLEM FIXED. I WANT THE INACCURATE INFORMATION REMOVED FROM MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with Chase Auto in XX/XX/XXXX and I had to pay my account by XX/XX/XXXX which was 60 month term loan. 
I paid off my account in XX/XX/XXXX, 9  months early. 
I received a letter from Chase in XX/XX/XXXX stating I have {$29.00} dollars with {$10.00} late fee still to pay and I paid that immediately upon receiving the letter, this was my only notification. 
I am an XXXX and XXXX XXXX with a busy schedule. 
My understanding was that I had paid off my account in XX/XX/XXXX. 
Now chase reported that I had a late payment. 
The late payment they say is for {$39.00} dollars which was my interest only and I wasn't aware till I received the letter. 
I did not get a phone call at all regarding my payment. 
I have requested them to remove my late payment, they said they do not see any late payments which is true but refuse to take the 30 days late payment off from my credit report. 
I have tried several times but unfortunately they said they can not remove it and asked me to dispute with the credit bureau. 
I would like CFPB to request the Chase Auto Bank to remove the late payment of {$39.00} dollars from credit reports which was the interest money after I paid off my principal amount in XX/XX/XXXX. 
Can you please address this and remove the late payment from my credit report payment history. 
My intention was to pay off my auto loan as soon as possible. 
I think it is only fair that the interest amount should not be made my late payment after I completely paid off my account.
Product: Money transfer, virtual currency, or money service

I am filling 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 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 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 Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX 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, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year>XXXX  ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} DPT TREASURY XXXX Balance Owed : {$33000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I have had various loans dating back to before Navient broke off from Sallie Mae. I currently have several loans from Navient that are private, and one that is federal. The private student loans are in excess of 13 % interest, and because I was unable to make some payments when down on my luck, I ruined my credit and can not get a refinance loan. I was approved for a federal income based repayment plan, which equates to about XXXX  dollars a month. However, the private school loan payments are in excess of XXXX dollars a month, putting my payments at XXXX dollars monthly. I have discussed with Navient multiple times that I can not afford to pay this amount and need it lowered, and was responded to every time with the only way is to do forbearance or go back to school. I went back to school as it was the only way to defer. I am currently back in repayment, while still enrolled in school and I know I still have two years left of in school deferment. I have called and tried, and still no one will help.
Product: Credit card

I have reached out to you several times and your partner who had him pick-up the piece. The friendly gentleman we spoke with verified, confirmed and adamantly said numerous times that the piece had a Certificate of Authenticity ( COA ). He made mention that it would be in the box when shipped. I am requesting this, but haven't heard back from you after repeated attempts. If one isn't available nor do you have it, we would like to return the piece to you. The COA is extremely important to me, which is why I asked a few times to confirm. The gentleman that sold us the piece confirmed each time by saying, yes. I have two witnesses there and heard him each time confirm. The item that was sold is confirmed fake and to be fraudulent. Additionally, no terms and conditions were ever acknowledged nor was signed by me. The owner of the store used fake reseller license to close sale and sell fake item.
Product: Credit reporting or other personal consumer reports

I have had two credit inquiries on my account in the last 24 hours. Both were on XX/XX/year>. The first was from TD Retail Card Services, the second was XXXX. I did not initiate these actions for either! On XX/XX/year> I was alerted of a security data breach from XXXX XXXX XXXX and was informed that my social security number had been compromised. I'm wondering if someone is using my social security to apply for credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a copy of my credit report, I have found certain information that should be excluded outlined in 15 U.S. Code 1681a ( 2 ) ( A ), ( B ) and ( C ). I believe that any information about a transaction or experience with companies, can not be include on a consumer report and must be removed. 

XXXX XXXX Credit Card account # XXXX opened on XX/XX/2020 XXXX XXXX  Unsecured loan account # XXXX opened on XX/XX/2020 XXXX XXXX XXXX Auto Loan account # XXXX opened on XX/XX/2020 Under the Gramm-Leach Bliley Act, the consumer must be given the chance to direct whether they want the information about a particular transaction to be reported or not. This is referenced in 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ). Furnishing any information on my credit profile without my permission, constitutes as identity theft and is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) and 15 U.S. Code 1681b ( a ) 3 ( f ) ( i ). Also not maintaining a joint notification system amongst all consumer reporting agencies is also in violation of 15 U.S. Code 1681b ( e ) ( 6 ).

Failure to respond satisfactorily with the removal of the above referenced accounts, and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for willful noncompliance which I will be seeking {$1000.00} per violation for : Defamation of Character, Negligent Enablement of Identity Fraud, Fair Debt Collections Practices Act 15 USC 1692g violations. Reminder under 15 U.S. Code 1681o you must comply with my instructions within 5 days. Additionally, continuing to show the information on the consumer report is a direct violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) of FCRA.
Product: Credit reporting or other personal consumer reports

CFPB XXXX : 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 Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681i ( 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: Debt collection

I am writing due to the negative marks youve made on credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but its not mine and theres no way that you can validate it. Im sure you are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ) so let it be known that I am requesting FULL validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding on me to pay it. I request that you ONLY contact me by writing and provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation, here is a list of the required documentation : 1. Provide the assignment contract - In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership.

2. A copy of the original contract and/or original purchase agreement that created the alleged debt.

3. Also include a full accounting history from the original creditor including date and amount of each payment, the Date of First Delinquency leading to the collection status and Date of Last Activity.

4. If any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement.

5. Proof that you are legally allowed to collect on alleged debts in the state of Louisiana, including your Third-Party Debt Collection Bond.

6. Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your firm maintains. 

Im sue you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, the court ruled that reporting a collection account is, indeed, considered collection activity. You should also note that this is not a request for Partial Validation but rather, its a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes. I look forward to an uneventful resolution of this matter. 


Account Name : XXXX XXXX XXXX | Account Number : XXXX
Product: Debt collection

Unknown number called me, only kept asking if this was " XXXX ''. I asked who was calling 3-5 times before the agent reluctantly disclosed who he worked for and that he was a client of a third party. He refused to provide details on why I was being called, what his position in the company was, and repeatedly threatened me with an array of actions he would use against me. The agent continuously interrupted me never answering my questions, but insisting I legally have to answer his questions. He accused me of : fraud, misrepresentation, breach of contract, and that I and my character are of very poor quality ( to put it nicely ). My XXXX  driver heard everything and even told me that he was harassing me with that call, someone with no interest in my affairs was worried about the conduct of the agent raises a number of red flags. The agent works for I.Q. Data International. Finally, he repeatedly tried to coerce me by threat of harm to pay him today or else I would face the threatened consequences. His demeanor was angry throughout the whole call. It is recorded. I am fearful for my well-being and financial status at the whims of a rogue collection agent.
Product: Credit card or prepaid card

XX/XX/2020. Synchrony Bank closed all my XXXX cards with them, $ 100,000+ of available credit. This will absolutely destroy my credit rating. Searching online I see they are doing this to tens of thousands of customers. XXXX of my cards had XXXX balances. The others have always been paid well before the due date and always well above the minimums due. I called and they said I was " high risk ''. Funny because literally 2 weeks ago they raised my limits on XXXX of my cards by {$7500.00}! My credit score is XXXX. I've never had a missed or late payment. This bank can not be allowed to destroy tens of thousands of peoples lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some accounts listed on my credit that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Using XXXX at XXXX XXXX Bank, sent my Suntrust credit card a payment. Suntrust showed received XX/XX/2021. Then XXXX XXXX pulled it back. I was not aware until the middle of XXXX. No one emailed, called, or texted. I finally got a note in the mail. By this time Suntrust added a {$20.00} late fee. Contacted both banks and neither knew what happened. Finally, after days, XXXX XXXX said it looked like their system pulled it back because it had been paid with an electronic check assigned the same check number as a paper check I had written previously. 
I told Suntrust what happened. They said pay {$10.00} and they would reverse the fee. That made no sense to me so I wrote and mailed a check paying off the credit card minus the {$20.00}. Then I paid the {$1.00} interest added. Somewhere in the middle of all this Suntrust reported to the Credit Bureau and my score dropped from XXXX to XXXX. This in spite of the fact everyone agrees NOT MY FAULT! 
Suntrust justifies this by saying " Well, it's not our fault this happened. '' XXXX XXXX said they would look into it and contact me in a couple days. That was a week ago. I want my credit score restored.