23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have written several letters to Experian to review my record due to a debt that does not belong to me, and many lateness that are causing negative impact on my credit. 
XXXX XXXX XXXX the status of the account is closed and charged off the company continues to report on my report. in fact according to FCA any account that has been closed there should be any activities in such account. That is a violation of my right according to the FCA. 

XXXX XXXX  XXXX 30 days late is not accurate XXXX XXXX XXXXXXXX company is reporting that I have been late for 30 days and 60 days at two different occasion the information re [ porting on my record is not accurate and is a violation of my right according to FCA these items should be annulled immediately.
Product: Credit card or prepaid card

The company Discover Financial Services closed my secured credit card for XXXX bias reasons. I reached out for a valid explanation and was provided with 2 different reasons for the closure. I have requested documents and the exact reason per my under the cardholder agreement and was never provided an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am uploading proof from a copy of my XXXX credit report proving that an account XXXX XXXX XXXX and XXXX were deleted off my credit report. Experian and XXXX  just keep updating these accounts that do not belong on my credit reports. I have been disputing this information for months now. Experian and XXXX want a copy of another report that I have that proves these accounts were deleted. I am uploading the proof. I get nowhere when I contact experian and XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I tried to submit a {$120.00} payment through Paypal.com to a friend in XXXX. Paypal failed to disclose anywhere in their website while I was doing the transaction that the money would not be available to my friend until XX/XX/XXXX ( 21 days later ) before I submitted the money, and only showed this information after the transaction was submitted. I contacted their costumer service and said they were unable to cancel my transaction, and that I should have called them before sending the money to know about the 21 day delay, and that they did not have to disclose this, but that I should know the countries regulations and there was no way for me to dispute the transaction.
Product: Student loan

as of now my Navient account says I have a {$0.00} Balance. It should be paid off. but my credit report does not reflect. 
Account # XXXX Last reported XX/XX/XXXX {$1100.00} Reported balance Highest balance {$2600.00} Nice! You've paid off 58 % of this loan Checking for errors? Review your full report details. If you find any issues, we can help. 
OVERVIEW Highest balance {$2600.00} Monthly payment {$48.00} Opened XX/XX/XXXX ( 16 yrs, 3 mos ) Term 118 months ( 9 years ) I have been paying this loan for 16 years and was supposed to have no interest. When I realized the payments I was making were only covering a portion of the principal loan. I realized I had paid this off long ago. I was given payment forgiveness after covid but they are still reporting it late.
Product: Credit reporting or other personal consumer reports

This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within XXXX  days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : XXXX ) Defamation XXXX ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action Have a blessed day!
Product: Debt collection

This Complaint is intended to address the ever-escalating obfuscations by Professional Debt Mediation regarding the failure of both t he Collection Agency  itself and  XXXX   XXXX   XXXX  to comply with either Federal Law or Florida Statutes in the handling of the debt assigned to the Agency by the Creditor, as the very fact of the fraudulent notice of intent to make a claim on my deposit -- sent via Certified Mail on  X/XX/2016   , more th an two mont hs after the debt had been submitted to the Credit Reporting Agencies and quite obviously intercepted by the Creditor itself ( similarly a violation of Federal Law ) in an effort to prevent me from obtaining proof of its fraudulence, or the notice would have been forwarded to me as required by my change of address Confirmation -- is a clear indication that the Creditor was keenly aware that the concepts of " abandonment '' and " vacating '' cited by Professional Debt Mediation do not apply when the Courts have evicted a tenant and ordered the loc al Sheriff 's Office  to take possession of an apartment on behalf of a landlord ( see attachments ), leaving the Creditor fully obligated to comply with the notification via Certified Mail requirement specified in Florida Statut e 83.49 ( 3 ) ( a ), r egardless of whether or not the Creditor was provided with a forwarding address.
Product: Credit reporting or other personal consumer reports

Fraud Block Request - I have correctly updated my information identitytheft.gov and attached my police report. I updated account information to the best of my ability, as the account information that are being report attached I have no in knowledge, as they are not my accounts, and information provided by the creditor was vague. 

Lastly, I also notice another account is not my account fraudulent that need to be updated as well and remove. 

XXXX XXXX XXXX XXXXXXXX {$600.00} I have attached my ID, My passport, XXXX XXXX, XXXX Police Report, XXXX Report.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX has violated my rights. 

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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name:XXXX Account name : #, XXXX, Account name : #, XXXX, Account name : # 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 and should be removed from my credit report Below is a list of hard inquiry that I don't know of XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX Commercial Banks XX/XX/XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX Public Information Top
Product: Student loan

Navient 's loan terms and conditions are unfair, usurious, and deceptive. They do not provide refinance, consolidation, or fixed rates to accommodate faster repayment of student loans. I am the co-signer on my spouse 's private student loans. 
1-They have reported a collection on our credit when no communication was ever sent until the collection company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. XXXX reached out. The balance was paid immediately in full and they refused to remove the collection from the credit report. 
2- We have other XXXX loans with Navient from XXXX XXXXXXXX XXXX and all are set up to be paid automatically from our bank accounts. We have been paying Navient for the last 9 years or more. 
Currently paying {$530.00} at 14.50 % variable rate where {$480.00} is applied to interest and {$43.00} to principal. The other payment paid automatically is for {$1100.00} where {$1100.00} is applied to interest and only {$61.00} to principal. 
The repayment of these loans would end in XXXX way beyond our retirement age. 
The loan payments that are eaten up by the high interest applied with little to the principal don't align with other student loans taken from other companies. We have managed to pay off a XXXX loan and nearing the end of XXXX XXXX student loan as well.
Product: Credit reporting or other personal consumer reports

On XXXX  a background screening company called DriverIQ reported erroneous information about me, XXXX job offers were resented as a result of this. I have contacted the DriverIQ numerous times to have this information removed, in XX/XX/2023 I received a letter from them stating that they have verified the information is correct I proceeded to ask for supporting documentation such as police report, photos, damage report, crash report, etc. They have refused to provide any documentation to substantiate their claims. On XXXX I received XXXX return letters it would appear that DriverIQ is simply taking my letters back to the post office and claiming that it is not their address I have returned receipts that show otherwise in addition I was also was able to verify the address via their website. On XXXX I asked for a description of the procedure used to determine the accuracy and completeness of the information, I did not receive a response. 

Special notes Driver IQ is a subsidiary of Cisive a background screening company.
Product: Credit card

On XX/XX/XXXX I made a purchase to comedy show we were not allowed into the show due to the building was at capacity we were told by the promoter to send a email for refund which I did and XXXX advised to reach out to merchant which I did with no response I filed a dispute with my bank in which on XX/XX/XXXX they charged my account back the XXXX I reached out to the merchants and both are telling me that they dont have the funds were sent back to bank and its the bank discrestion to release my funds back the bank will not help me neither will tixr or laugh factory
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX at XXXX Account # XXXX, XXXX XXXX XXXX # xxxx has violated my rights. 

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.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have a few hard inquiries on my credit report that I didnt authorize and also didnt give permission for anyone to run my credit report so I would like to have them removed off my credit report please I also filed a report with FTC and would like to Have those inquiries deleted off my credit report please I would like those for inquiry to reflect on my credit report as deleted and removed please The hard inquiries are XXXX XXXX service date XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX. Also XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX thank you.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TransUnion credit reporting agency for failing to resolve a dispute regarding an unauthorized hard inquiry on my credit report. Despite my formal request for investigation and removal under the Fair Credit Reporting Act ( FCRA ), TransUnion has not taken appropriate action. 

Unauthorized Hard Inquiry : Creditor/Company : XXXX XXXX Date of Inquiry : XX/XX/year> Credit Bureau Involved : TransUnion Violation of FCRA : Section 604 ( 15 U.S.C. 1681b ) : The inquiry does not meet permissible purposes, and I never authorized this inquiry.

Section 609 ( 15 U.S.C. 1681g ) : I formally requested validation of the inquiry, including written proof of my consent, but TransUnion has failed to provide sufficient documentation.

Section 611 ( 15 U.S.C. 1681i ) : TransUnion has an obligation to investigate disputes and remove inaccurate or unverifiable information. To date, they have not removed the unauthorized inquiry.

Impact on My Credit Report and Finances : The unauthorized inquiry has caused harm to my credit score, affecting my ability to secure favorable credit opportunities. XXXX failure to address this matter undermines my rights under federal law and exposes me to potential identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX and XXXX XXXX Account XXXX XXXXXXXX has violated my rights.

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
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX for {$3700.00}. When I bought the vehicle I was told by the seller that it had a clean title, it passed inspection, and there were no issues. I transferred {$3500.00} to the seller on XXXX with my financial instutition, Bank of America, and the other {$250.00} I transferred through XXXX. There are two reasons why I am asking for a refund. First, when I drove the car home and got it checked out by a mechanic, I found out that the seller had taped over the Service Engine Soon light. Second, the name on the title of the car is not the same as the seller and realized he sold me a car which he did not even own, meaning I am not able to register the car at all. XXXX does not provide any support to its users for fraud or scam and I have not been able to reach Bank of America to report the scam. He committed a XXXX by title jumping ( selling a car whose title is not in his own name ) and lied to me about its current condition which I have proof of in the texts he sent me. The bill of sale he created for me was fraudulent because he forged the actual owner of the title 's signature so I am unable to provide a receipt for the purchase.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 Wells Fargo Bank processed an unauthorized Wire Transfer of {$25000.00} out of my Savings Account and sent the funds to a personal account at XXXX XXXX. I reported this transfer to XXXX by phone and in person at their XXXX XXXX XXXX XXXX in XXXX, Oregon as a fraudulent action by persons unknown to me. The branch manager took my full report and advised me that the bank 's Fraud Detection department would conduct an investigation and recover my funds. All that subsequently happened was my account access was restricted and eventually closed. No effort by WFB to recover the funds from XXXX was made or reported to me. I made contact with XXXX XXXX by phone at ( XXXX ) XXXX on XX/XX/2023, and over the next 4 weeks managed to talk directly with " XXXX '' in loans and he looked up the account where the funds were sent and reported that it had been tagged as having suspicious activity. The wired funds were on hold in that account. There was no request or inquiry from Wells Fargo recorded on XXXX 's Fraud Report ticket of # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be investigated and UPDATED in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am submitting a formal complaint against Cash App ( Block, Inc. ) for poor customer service and unfair practices that breach the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App neglected to implement effective and timely safeguards to prevent and mitigate fraud on their platform, leaving my account vulnerable and at risk.

Also, their dispute resolution process was both misleading and unjust. They failed to adhere to the error resolution requirements mandated by the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These shortcomings have resulted in significant inconvenience and financial harm, and I am requesting appropriate remedies for these violations.
Product: Money transfer, virtual currency, or money service

I have close to XXXX worth on XXXX  in this company. I filed over XXXX tickets and this company keeps closing them without getting through to the resolution. They paused my account and initiated account closure with me, and when I login, it tells me to transfer my balance out to another wallet, that Coinbase is initiating an account closure with me. When I go to do this ( transfer funds to another wallet ), they say my account does not have the privilege to transfer funds. This is completely hypocritical directions that demands you to transfer your funds out and close account but doesn't give you the permission to. This is clearly a scam to keep funds away from people.
Product: Debt collection

I have a debt on my account for a collection agency that i do not recognize, also getting phone calls for collection agency asking me to paid a debt who does n't belong to me. I am on the Do Not Call List and getting calls constantly from XXXX numbers I do not recognize.
Product: Payday loan, title loan, or personal loan

I am writing concerning my attempt to get a corporate loan from Lendingpoint via XXXX. They said the loan was approved, but then required a check showing both the corporation name and my name. I was able to get that for them, as I am the beneficial owner of the corporation per the bank 's records. But then they asked for a letter from the IRS declaring that I was the owner of the corporation. That isn't possible for a corporation since the IRS has no such visibility into the ownership of a corporation. So either they have someone handling the loan who isn't trained very well or they are denying me the loan for some other reason which they are not disclosing. 

After explaining that to them, they then required a letter from the bank, again saying that I was the owner of the corporation. The bank sent them a letter stating that they could not divulge the owners of an account under federal law, so what they're asking for is illegal. In any case, a privately held corporation 's ownership is not public record. If they call the registered agent and stock transfer agent ( my husband ), he'll tell them I own the majority of the shares. But the bank doesn't have any visibility into the current ownership of a privately held corporation and neither does the IRS and neither does anyone else besides the shareholders and stock transfer agent. 

The ownership of a privately held corporation is not public record, and that information is pretty much only available from the corporation itself. Lendingpoint should know this, and they should know they're acting in violation of the law. I can't really believe they're that stupid, so I can only conclude they're hiding the real reason for denying the loan. 

From the IRS : " While it is possible to do things like call the business and ask for the owners name, the IRS does not have any independent, direct information about the owner of a corporation. '' I am also not the registered agent or the original incorporator, so the state doesn't have any direct knowledge of my ownership, either. I purchased all of the stock in a private transaction about five years ago. I have a spreadsheet that tracks the share ownership, and I'd be happy to send that to them ( but that only proves I can put together a spreadsheet ). 

There are two people and a spreadsheet that know the current ownership of the corporation. I'm one of them and I'm telling you I own the majority of the shares and I'm the beneficial owner as well. Another shareholder retains 1 % of the shares, and that's my husband. He'll tell you the same thing. 

Please provide the real reason for denying the loan, as you know very well that the verification that you're asking for does not exist and is illegal for the bank to provide even if they did have it.