23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Debt Validation Request To Whom It May Concern, I am writing in response to a notice regarding an alleged debt that your office is attempting to collect. I am formally requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ). Please consider this letter a written dispute of the debt and a request that your office provide verification and detailed documentation of the debt in question. Specifically, I request that you provide : XXXX. **Verification of the debt amount**, including a breakdown of any fees, interest, or other charges that have been added. XXXX. **Proof that I am legally obligated to pay this debt**, including documentation of the original creditor 's name, address, and any signed agreements or contracts. 3. **A full account history** that shows how the debt amount was calculated from its inception to the present balance. 4. **Documentation of your authority to collect on this debt**, including a copy of any transfer or assignment of the debt from the original creditor. Please also provide any information you have regarding the date of the last payment made on this debt. Until I receive the requested validation, I will consider this matter unresolved, and I kindly ask that all collection activities cease as required under the FDCPA. I am requesting that you respond within 30 days of receipt of this letter. Thank you for your attention to this matter. Please direct all correspondence to the address listed above. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have A XXXX XXXX  on my credit report which is reporting wrongly. 

I have reached out to all three bureaus and XXXX XXXX to make the necessary changes which they have not done. The bureaus are not consistent with which months they are reporting late. If they did a proper investigation they would all match up to be the same months. Which leads me to be concerned that it may all be  inaccurate. 

.
Product: Credit reporting or other personal consumer reports

Contacted Lexis Nexus because I received a fraud alert when I applied to an apartment. 
Its been over a month and I havent received any response from XXXX. 

Thank you very much
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of an account on my credit report, which is listed as a joint account. I was a cosigner or authorized user on this account, and it was agreed that once the account was paid satisfactorily, it would be removed. The account has a {$0.00} balance and has already been removed from the primary owner 's credit report. 

Your current reporting not only reflects this account inaccurately but also violates the FCRA. Additionally, I have serious concerns about the way you are reporting the accounts payment history. You show the account as XXXX days late after being reported as XXXX days late, which is incorrect. According to standard reporting guidelines, an account must first be reported as XXXX days late before being marked XXXX days late. Further, you incorrectly report the account as XXXX days late from XX/XX/XXXX to XX/XX/XXXX, only to then show it as XXXX days late in XX/XX/XXXX. This is clearly false and negligent reporting. 

Due to these violations and the misrepresentation of the account, I demand that you immediately remove this account from my credit report. Please remit payment to the address listed on the attached True bill for the damages caused by these violations.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX I applied for an installment loan at CashCentral of South Carolina XXXX XXXX XXXX XXXX XXXX XXXX I borrowed {$1700.00} and my payments are {$340.00} a month. I have paid back {$900.00}. XX/XX/XXXX I lost my job. I made XX/XX/XXXX and XX/XX/XXXX payments. In XX/XX/XXXX Cash Central tried to take out the payment muliptle times which incurred NFS fees at my bank in over {$300.00}. I contacted them to see what my options where due to me being unemployed and they told me they dont work with anyone no matter what the situation. I still am currently unemployed. Cash Central has continued to harass me regarding this loan and is unwilling to work with me. I also found out my interest rate is around 400 % which is illegal in the state of North Carolina which I am a resident of. I was unaware of this type of interest rate. I know I signed documents but they rushed me so that I couldnt even read anything within the fine print. I feel taken advantage of completely I am writing this complaint to say I would like the rest of the loan to be considered paid off and for them to stop harassing me with phone calls. I am a resident of North Carolina who has been a victim of a shark loan and harassment from Cash Central.
Product: Debt collection

I am receiving a call regarding a Pest debt of {$130.00} ( approx ). I do not have a debt with this Pest Company. I have repeatedly informed the Debt collection company XXXX  and also confirmed with this Pest Company. I have also contacted all credit bureaus to ensure I do not have any negative impact on my credit. I DO NOT HAVE THIS DEBT. I am unsure how to make them stop. But they are harassing me. 
Last call was XXXX at XXXX. I informed them thank you for calling but there is a misunderstanding and I do not have a debt. They got rude and hung up the phone. 
I contacted the pest company explaining. Response : " You do not have a debt, we are sorry let me try to have a manager call and get this removed '' NOTHING gets removed. Nothing happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 To : XXXX, XXXX and TransUnion, Notice to all, I am that I am, the consumer in fact, natural person, original creditor, XXXX, Executor administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, consumer, and I have been appointed and accepted being executor both public and private for all matters proceeding, and I hereby claim that I will be d/b/a Consumer, XXXX and autograph as the agent XXXX attorney in fact, so be it : whereas, I of age, majority, give this herein notice to all, I make a solemn oath to the one and only most high of the creation only, whoever that may be, and I depose the following facts, so be it, now present : In accordance with the Fair Credit Reporting Act the following accounts have violated my federally protected consumer privacy and confidentiality laws under 15 USC 1681. 
Accounts : XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX ACCT # XXXX, DEP OF ED/XXXX ACCT # XXXX, XXXX XXXX ACCT XXXX XXXX, DEP OF ED/XXXX ACCT # XXXXXXXX XXXX  ACCT # XXXX, XXXX  ACCT # XXXXXXXX XXXX  ACCT # XXXX, XXXX  ACCT # XXXXXXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, 15 USC 1681 ( a ) ( 4 ) states I have the right to privacy.

15 USC 1681 ( b ) states that reasonable procedures to be fair and equitable to the consumer, with regards to the confidentiality and proper use.

15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency can not furnish any information on an account without written instruction of the consumer to whom it relates.

15 USC 1681c ( a ) ( 5 ) states that 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 7 years.

15 USC 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681n ( a ) ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

REMOVE ALL ACCOUNTS INSTRUCTED BY ME AND SEND ME COMPENSATION FOR EACH FEDERAL VIOLATION PERSUANT TO THE FAIR CREDIT REPORTING ACT. 
THIS IS MY WRIITEN INSTRUCTION AND MY REQUEST TO PRIVACY AND CONFIDENTIALITY UNDER MY FEDERAL PROTECTED RIGHTS. 
I have requested these be removed and deleted several times now next notice will be an intent to sue. 
RESPECTFULLY, XXXX XXXX
Product: Debt collection

I went online last XXXX around XXXX to look into a short term loan. I submitted a former that I guess connects you with multiple lenders. In the end I ended up with a payday loan from a company called XXXX. I guess now it 's called XXXX. Well from the moment they deposited XXXX into my account I started getting multiple calls from other companies trying to deposit money and XXXX calling you collect way more than the XXXX law states is legal. Than I find out this company based in XXXX per online but they list XXXX HOWEVER not legal in XXXX per Department Of Financial Institutions. This is XXXX XXXX XXXX and they are not licensed in XXXX or XXXX. I read how they continue to debit your account towards fees only nothing to principle and the rates are beyond belief. As soon as I started getting scam calls after the deposit from people with accents saying I 'm going to jail for bank fraud check fraud etc I got scared I called my bank immediately and canceled this unknown XXXX company from access. I have called XXXX who is now XXXX to obtain a way to mail what i borrow plus the fee that I found through research that in XXXX online loans can charge a maximum of 33 % I found so with what I loaned XXXX I felt I owed XXXX each time I call it am asked for every piece of my personal info dob, ssn. Address drivers license #, etc I am pursuing on hold and issue is never resolved. I am now being harassed by another company a debt collection company who state they are hired by XXXX XXXX in XXXX demanding I pay {$3800.00} or I 'll be charged with check fraud amount many other charges. This company is called Trademark Management out of XXXX XXXX. I asked for a validation of debt as I want to pay the legal amount I owe. But they refused continue to threaten with legal charges unless I give my card #. I asked for some proof this is legit they would only give me a generic email setting up XXXX payments of like {$290.00} and no address of the debtor just a generic " XXXX '' memo. I asked if I were to call XXXX XXXX XXXX would they know you 're the collection company handling this and they said no they would n't. So after I was scared about these so called legal charges I gave my XXXX XXXX card # but before signing some email they sent I ended the call. Called my bank to cancel my debt card realizing it 's a scam but they scared me enough to almost agree to there insane demand. I once again called big picture loan they were not associated with trademark as I suspected but again I was back to square one. No one was willing to help and they wanted all my personal info again. I have also gotten emails from random places about fraud charges arrest warrants. I 'm XXXX, I 'm XXXX, I Feel my information was given out I get calls.and emails weekly thanking for applying for payday loans I did n't apply for. I truly just want this to end I want to pay what I loaned to the right company and the legal amount of fees by XXXX laws. 
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Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i hade one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments, ive attached a copy of my report to this complaint on the following dates : ( XX/XX/2024 ). I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

The credit bureaus have reported incorrect information on my credit report, specifically my name and address. Despite my legal name being XXXX XXXX and my correct address being XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, they continue to display incorrect variations. I have made multiple attempts to resolve this issue, but the inaccuracies remain. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the maximum possible accuracy of consumer information on credit reports. Specifically, Section 1681e ( b ) of the FCRA mandates that credit bureaus adopt reasonable procedures to guarantee accuracy. Case law supports this right to accurate reporting, such as in XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX  ), where the court found that credit bureaus have a duty to take reasonable steps to verify disputed information.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I had {$100.00} in my Wise account. I topped up {$35.00} from my XXXX XXXX  account to make the total {$130.00} and sent it XXXX. The amount after Wise 's fees was XXXX The recipient recived XXXX on XX/XX/XXXX. A difference of {$35.00} dollars, the exact amount I topped up was excluded from the transfer. I contacted Wise and they said it was probably swift fees taken out. I investigated further and spoke with the recipient 's bank. I also received a signed and verified document from her bank showing their fees and the intermediary bank fees ( XXXX ) totaled {$8.00} and was removed from the XXXX. No banks took {$35.00}, the amount missing. It was an error on Wise 's behalf. When I logged back into my Wise account I saw that they paused that {$35.00} transaction, but they had taken it out of my bank account and continue to claim they sent it despite me having evidence they did not. I have spoken with multiple customer service agents and sent screenshots and verified documents from my bank, their site, and the recipients bank/fees. They refuse to help me and keep saying some mystery bank probably took the {$35.00}. They will not admit their mistake or provide any evidence even though I have full evidence they never sent the {$35.00} I topped up my account.
Product: Student loan

I did a settlement with my Navient account through the collection agency XXXX XXXX XXXX. I paid the settlement and received confirmation that it was paid. 

Navient is refusing to send me a XXXX form which they are required to do by law. I need this form to file my taxes. Navient told me they are n't sending me the settlement form because I did n't pay a higher settlement amount, after I called their customer advocate department repeatedly requesting that they mail my XXXX. The collection agency agreed to my offer on Navients behalf, and confirmed that the settlement had been finalized. 

I have no problem with the collection agency. But Navient themselves have refused to give me my XXXX form by mail, and the reason they say they wo n't give it to me does n't make any sense. They said I should have paid more on my settlement. But they agreed to the settlement that their collection agency accepted from me on their behalf.
Product: Credit reporting or other personal consumer reports

I am requesting CFPB intervention to secure the immediate removal of an inaccurate and unverifiable account on my credit report, held and reported by EXPERIAN. This account has been repeatedly disputed without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for investigation and correction, the credit bureau has failed to comply with the thorough and reasonable verification requirements under the FCRA, relying solely on automated and inconsistent responses.

I have identified inconsistencies in this account information across the reports from the three major credit bureaus. These discrepancies suggest that the information reported is inaccurate and does not meet the FCRAs accuracy standards, warranting immediate corrective action.

Legal Basis and Violations of the FCRA 1. Inaccuracy and Lack of Verification : According to the FCRA, credit bureaus must maintain accurate and verifiable information in credit reports. In this case, the credit bureau has shown a lack of diligence in verifying this account, relying solely on automated systems like e-OSCAR to respond to my dispute. This type of system does not meet the reasonable verification standard required by law, especially in a recurring dispute that significantly impacts my credit history and score.

2. Inconsistencies Across Credit Bureaus : Upon reviewing my reports from the three major credit bureaus, I have found inconsistencies in how this account is reported. These discrepancies indicate systemic errors in the handling and verification of information by EXPERIAN, which further underscores the lack of accuracy and FCRA compliance.

References to Relevant Case Law To support my complaint, I cite the following legal precedents that reinforce the obligation of credit bureaus to conduct thorough and reasonable investigations : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This ruling establishes that credit bureaus must conduct reasonable investigations and can not rely solely on automated responses when a consumer disputes the accuracy of reported information. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : The court held that credit bureaus must go beyond data provided by the creditor and conduct additional verification when accuracy is in question. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : This case emphasizes the responsibility of information furnishers and credit bureaus to conduct exhaustive, non-superficial investigations under the FCRA.

These cases consistently establish that credit reporting agencies must take reasonable steps to ensure the accuracy of information in credit reports and can not rely on automated responses when accuracy is challenged.
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 Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vaularable and unprotected. Furthermore their dispute resolution requirements under the Electrical Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block Inc ) due to inadequate customer, service and unfair practices which violate the Consumer Financial Protective Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vaularable 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: Checking or savings account

Attempting to open online account with CIT Bank ( XXXX ). Input basic data ( name, address, employer, SSN, US Citizen ) and webite immediately responses with " Thank you for your recent application for a CIT Bank account. We regret to inform you that after a thorough review of your application, we have elected to not open a bank account for you at this time. Thank you for considering CIT Bank. '' No info is provided. 

Contacted bank and they advised to try resumbitting from different location. Done multiple times over multple dates from XXXX to XX/XX/21. All result in same immediate automated response. 

Contacted bank for more specific information. They advised that the automated system has checks to attempt to identify fraud and think that maybe IP address or computer I applied from may be issue. Explained have done from multiple PCs and a phone all with same response. They can provide no additional info. 

Advised them per federal law, they are required to tell you why you are denied a bank account ( wife XXXX XXXX XXXX 25 years ). They advised they don't send any letter or email explaining and could provide no additional info. Only option was to write to corporate office. 

I have an excellent credit score, no charge offs, bankruptcies, or unpaid accounts, and as the response was immediate, I suspect there is some other issue such as IP location, etc. The bank should be required to disclose specifics however.
Product: Credit reporting or other personal consumer reports

I have submitted a application for a new position at my office that included a SF85P. The investigator brought forward possible debts I would like to dispute. She had mentioned a debt to my current credit union Navy Federal Credit Union. I also remember the XXXXnvestigator mentioned XXXX and XXXX. Navy Federal is my current back and has my address. I have not owned a cellphone in over seven years and I am not aware of the XXXX debt. I am also do not believe I owe any debt to XXXX More importantly I have never been notified of these debts.
Product: Credit card

There is a huge difference between my balance displayed online. My XXXX spend shows a balance of {$15000.00}, while the online balance with no transaction description of charges sums up to {$35000.00}. This is a huge discrepancy of {$20000.00}. Which may be possibly explained by the following : Discover Card issued back credits that were rightfully mine in the amount of {$21000.00}, off a sudden out of no where, they recharged me back. These are the following items I have documentation that states the cases were settled in my favor : XXXX XXXX # XXXX {$1600.00} XXXX XXXX XXXX {$2200.00} XXXX {$2200.00} XXXX XXXX # XXXX {$1900.00} XXXX {$2700.00} XXXX XXXX {$350.00} XXXX {$150.00} XXXX {$3800.00} XXXX {$600.00} XXXX XXXX {$130.00} XXXX XXXX {$400.00} XXXX XXXX XXXX {$830.00} XXXX XXXX {$460.00} XXXX XXXX {$60.00} XXXX {$720.00} XXXX XXXX {$130.00} XXXX XXXX {$240.00} XXXX XXXX {$190.00} XXXX XXXX {$500.00} XXXX XXXX {$400.00} XXXX XXXX {$370.00} XXXX XXXX {$340.00} XXXX XXXX {$230.00} XXXX XXXX {$460.00}
Product: Credit reporting or other personal consumer reports

I sent a letter out on XX/XX/XXXX XXXX to Transunion here is my certified mail tracking number : XXXX. However, it's been more than 30 days and the credit bureau failed to send my investigation back. This Is not making sense., The Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my { Transunion } consumer report on XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.