23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEAPRTMENT ADVANCED COLLECTION Reported : XXXX XXXX, XXXX + {$360.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX + {$410.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX + {$1300.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION Reported : XXXX XXXX, XXXX + {$360.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX + {$410.00} Needs Attention ADVANCED COLLECTION Reported : XXXX XXXX, XXXX + {$1300.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Student loan

Hello, I have been on Income Based Repayment for my federal loans since XXXX, and I decided to switch to the REPAYE program. On XXXX, my wife and I submitted an Income-Driven Repayment ( IDR ) Plan Request using the studentloans.gov website ( form OMB No. 1845-0102 ), which successfully obtained our XXXX federal income tax information and forwarded the request to my loan servicer, Navient. On XXXX, their representative acknowledged Navient 's XXXX receipt of this request after I inquired after its status. At that time, she requested 15 business days to process the form from the time of their receipt ( which would have been XXXX ). After hearing nothing regarding my submitted form by XXXX, I again inquired. A different representative replied on XXXX, stating " We are unable to switch plans until the IBR plan is terminated '', and that such a request MUST be made over the phone. On XXXX, I informed them that a signed, written authorization which precisely matched their instructions was already included in Section 6 of the submitted form ( OMB No. 1845-0102 ), and that I would submit a public complaint to the CFPB if they did not accept the official form. On XXXX, a third representative responded and persisted in refusing to process the XXXX request. It is now over 30 business days since the form was submitted, and this corporation has failed to act upon it. 

This private corporation ( Navient ) lacks the authority to arbitrarily ignore an officially approved form containing written, signed authorization for a process they are supposed to be facilitating on behalf of the Department of Education. Not only that, but they only communicate these arbitrary rules after one has submitted the legally proper form. Such blatant non-compliance is unacceptable. 

Also of note, upon my logging into their website, Navient is now are asking for reverification of my IBR plan by the end of XXXX, the time at which I would normally resubmit this exact form. That they refuse to use the submitted form despite its clear instructions is evidence that this private corporation is abusing its station and creating unnecessary paperwork for XXXX citizens. Such an act seems to be a violation of the Paperwork Reduction Act of XXXX. 

I will add that throughout this process, the individual representatives that have contacted me have been courteous and non-threatening, despite being unhelpful. 

Thank you very much for your time.
Product: Debt collection

World Finance and XXXX XXXX continue to report an allege debt that is not owed. The debt has been canceled out reported as income to the IRS. Under the IRS publication income can not be reported to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting lots of inaccuracies in my report. I have been sedning letters to since XX/XX/XXXX Experian - 1st Letter XX/XX/XXXX - 2nd Letter XX/XX/XXXX - 3rd Letter XX/XX/XXXX - 4th Letter XX/XX/XXXX It is over 120Days i still do not have a response or report of investigation, i belive nothing has been done about it This is absolutely not acceptable. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Obsolete/Incorrect Information in My Credit Report Under 15 USC 1681c and Non-Receipt of Form 1099-C Dear Credit Bureau I am writing to dispute inaccurate and potentially obsolete information that appears on my credit report, in accordance with 15 USC Code 1681c of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the continued reporting of an account that I believe should no longer be included. 

The account details are as follows : Creditor Name : Happy Money Account Number : XXXX Date of Delinquency/Charge-off/Closure : XX/XX/XXXX Nature of Dispute : The debt in question should have been removed due to the passage of the [ seven-year ] reporting limit under 15 USC Code 1681c. Furthermore, I never received a Form 1099-C for the alleged cancellation of debt, which raises questions regarding the validity and status of this account.

Since I did not receive a Form 1099-C, there is no record that this debt was officially canceled or forgiven. This lack of documentation further supports my belief that the information is either obsolete or inaccurate and should not be included in my credit file.

I request that you : 1. Immediately remove the outdated or incorrect account from my credit report.

2. Conduct a thorough investigation to verify the accuracy of this information and determine why a Form 1099-C was not issued.

3. Provide me with written confirmation that the disputed information has been removed or corrected once your investigation is complete.

Under the FCRA, you are required to investigate this matter and correct any inaccuracies or outdated information within 30 days. Please consider this letter a formal dispute.

I have enclosed a copy of my credit report with the disputed item highlighted, as well as copies of identification documents to verify my identity.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the erroneous information has been removed from my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a horrible comoant with their free membershio my Equifax when I login the credit score wont update when its supposed to every 30 days the last score update was XXXX!!! And it wont download my file or let me submit disputes it gives me error message this has to be fixed its been like this long time and they have done nothing about it to fix their system to upload my file and score recently this system is crazy when I call they wont help its important for me to be able to see whats reporting and submit disputes since Im a victim of identity theft but their system wont let me or see anything horrible company
Product: Mortgage

In response to a letter from Carrington Mortgage dated XX/XX/2023, 'Incomplete Package COVID-19 Loss Mitigation Review '. I replied with the documents they requested on XX/XX/2023, by email. I assume, XXXXin CM response ' I received an email on XX/XX/2023. I have been notified to sign and notarize a payoff quote for someone who lives in XXXX, Texas. This has become a complete failure for Carrington Mortgage to enforce anything.
Product: Credit card or prepaid card

Capital One is deceitful, misleading, and falsely advertised financial hardships for their credit cards. On XX/XX/2022 I explained to 3 different Capital One representatives at XXXX in regards to my financial hardship and the inability to pay due to severe life-threatening medical condition that put me out-of-work. I explained to these representatives that I was unable to make a payment until XX/XX/2022. 

The programs they offered as follows. 

Program 1 : I pay {$98.00} on XX/XX/XXXX, {$98.00} on XX/XX/XXXX, {$98.00} on XXXX to get me current on the bill totally {$290.00}. I told the representatives this does not make sense if my minimal due is {$28.00} per month plus the late fee of {$28.00}. This, if I paid XXXX & XXXX XXXX of {$28.00} totaling {$56.00} plus the late-fee which is {$28.00} doesnt total {$98.00}. Further, if I paid the late fee + the two minimums I should be current. There would be not further need to pay {$98.00} per month. One representative agreed to my statement. 

This lead me to believe Capital One is fraudulently collecting fees and being scandalous and deceptive in leading customers believing that they are catching up on their balance and becoming current when they already are. 

The second program waives the late fee as if Capital One is actually doing something to help, the persons credit is still ruined by the negatively reporting and the interests still piles up. 

Capital One does not have a program that genuinely helps a person during financial hardship especially with the Covid-19 pandemic revving back up with the new variance. For example, XXXX Texas is back to a Stage 5 meaning maximum Covid protections. 

Capital One is a terrible financial company that swindles the low-income and people of XXXX especially XXXX Americans. Minorities are more likely to shop @ XXXX than XXXX and low-income individuals are more likely to get credit and barely pay the minimum and experience financial hardship. 

This is a terrible company. Dont worry about responding because all Capital One will do is send me a letter via email explaining nothing new. 

Capital One doesnt even care to reach out by phone when requested a phone call due to XXXX XXXXXXXX. 

I want this to be publicly posted to warn people of what Capital One is doing to help them!
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

US Bank reported a credit card in my name that I do not recognize nor never applied for.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 16813 ( b ) and 15 U.S. Code 1681u ( 5 ) this account in violation not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 

XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. Agreement that bears signature of the alleged debtor with promises to pay the original creditor. Complete payment history on this account, to prove that the amount you wish to collect is correct. I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

I've asked for over a year for proper verification as it's my rights and the law but transunion nor this company takes a 1692g serious
Product: Credit reporting or other personal consumer reports

Consumer Name : ( Strawman Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX and Transunion wrongfully put a debt on my credit report that is not mine and due to identity theft. This account number is not mine. Ive filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX my wife and I financed a purchase at XXXX XXXX. The financing was through Synchrony Bank. This was a no interest loan as long as the card was paid off within a year. I set up a schedule of auto payments to pay the card off by XX/XX/XXXX. The card was never used again. I logged on to my account late XX/XX/XXXX to find that a charge / fee from XXXX XXXX XXXX had to be applied to my account monthly starting XX/XX/XXXX. I called Synchrony Bank about the charge / fee. I was told that I would need to dispute the charge with the 3rd party XXXX. I told them this was a fraudulent charge but they just pushed back and stated they would not remove the change an insisted that I must deal with the 3rd party. This is an obvious scam conducted by Synchrony Bank. I am assuming they have a financial interest with this 3party. A quick internet search will show plenty of others experiencing the same scam. I am assuming that I will eventually remove the charge. Synchrony Bank has made the process of removing the charge difficult and capitalizing on the fact that most people will just pay the charge or not notice.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block Inc. ) due to inadequate customer service, and unfair practices which violates 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 deceptive and unfair, as they did not comply with 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

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.