23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accountsXXXX XXXX ACCT XXXX XXXX bal. {$660.00} XXXX ACCT # XXXX bal. {$19000.00}, XXXX XXXX ACCT # XXXX bal. {$2200.00}, XXXX ACCT # XXXX bal. {$1600.00}, XXXX XXXX XXXX ACCT # XXXX bal. {$1500.00}
Product: Credit card or prepaid card

This is in response to the Penfed Credit Union letter dated XX/XX/XXXX. The Merchant namely, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX filed a rebuttal claiming the services was rendered to my residence by XXXX XXXX XXXX XXXX and submitted a sales transaction slip for this purchase Order. The letter from the owner of the XXXX XXXX XXXX XXXX will prove that the services claimed by XXXX was NEVER made and the sales transaction slip aka Invoice used by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX as evidence is a fraud. 

On XX/XX/XXXX I requested for a repair on my sprinkler system. XXXX assigned me XXXX XXXX XXXX XXXX XXXX. See email. That same day I called the XXXX XXXX  & I was told by XXXX, the owner of the company XXXX XXXX XXXX XXXX XXXX he will not provide the service because they do not work with XXXX. 
On XX/XX/XXXX, I followed up with XXXX XXXX XXXX XXXX to provide me services XXXX was claiming. No service was provided. 

On XX/XX/XXXX, I requested a plumbing service and that same day XXXX  emailed me an assigned Plumbing company, namely XXXX XXXX XXXX XXXX to call. The XXXX XXXX told me they are not affiliated with XXXX therefore, they won't provide the service. See emails exchanged between myself and XXXX XXXX XXXX and assignment from XXXX. 

On XX/XX/XXXX I called XXXX to provide me with the services they claimed were rendered to me by XXXX XXXX XXXX XXXX and XXXX XXXX as was provided to Penfed. I was told by XXXX XXXX he will email me, to date no email from XXXX in regards to the services. 

On XX/XX/XXXX, XXXX Because of the fact XXXX has assigned false and misleading companies, deceiving me, compelled me to cancel my policy. I submitted my cancellation letter via email. See email. 

XXXX XXXX, XXXX Following up with XXXX XXXX email on the cancellation letter. This was before I received the letter from Penfed credit union with the sales transaction slip submitted by XXXX. To date, no response. 

XX/XX/XXXX, XXXX I called XXXX to settle this case. There was a long period of round about from one person to another repeating myself over and over until I finally talked to this person, he called himself XXXX. Just as I was starting to explain myself, these were his exact words on the other end ... " Your call is on hold, bye bye '' the phone died. One would ask, What do you make out of this situation? This has been the case often times I called XXXX. 

I am humbly asking Penfed credit union to reopen this case and return the {$2100.00} to my account for the services XXXX XXXX XXXX XXXX claiming was all lies and misleading. XXXX can find the contact of the owner of the XXXX XXXX XXXX XXXX on the letter to verify this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account 1. Affiliate Mortgage Services {$1400.00} XXXX XXXX. Dept Of ED/XXXX/XXXX  {$1900.00} {$2000.00} {$2300.00} XXXX 3. XXXX  {$100.00} XXXX 4. XXXX {$500.00} XXXX 5.XXXX  XXXX {$1200.00} XXXX 6.XXXX  XXXX XXXX {$6500.00} XXXX has violated my right. 
15 USC 1681 Section 602 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.

15 USC 1666B : A creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Student loan

From XX/XX/XXXX through XX/XX/XXXX I was in forbearance with UAS LLC because I was living well below the poverty line. In XX/XX/XXXX I submitted an income based repayment plan application for monthly payments in amount {$120.00}. As of XX/XX/XXXX, I can not find record of the approval for the IBR in the UAS LLC portal, but I do have a XX/XX/XXXX message in the portal from customer service telling me to send the completed application to their email ( outside of the portal ). On XX/XX/XXXX, I made my first payment of {$120.00} and have been paying since. 

On XX/XX/XXXX, I received an email from my parents in which they sent a scanned PDF of a physical letter they received at their address ( my 'home ' address registered with UAS LLC ) claiming that I am delinquent on a payment of {$420.00}. The letter is on my XXXX XXXX XXXX College letterhead ( my institution ) and is signed by the school 's Director of Student and Departmental Account Services. On XX/XX/XXXX I sent an email to the director and to the UAS LLC addresses provided in the letter about how both of the organizations failed to adequately and fairly communicate with me in a timely manner about the charge. 

It is outrageous to me that UAS LLC and XXXX XXXX XXXX College think it's okay to communicate nothing about the alleged charge from XX/XX/XXXXto XX/XX/XXXX, and then think it adequate that a single paper letter from XXXX XXXX XXXX College in XX/XX/XXXXis fair and sufficient notice about the demanded payment.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my 3 bureaus consumer report and there are inaccurate accounts, and DUPLICATE... 

XXXX XXXX Balance Owed : {$950.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/XXXX I contacted Navient via letter informing them that I did not take any loans while a student at XXXX XXXX XXXX. Their response was that the loans were valid. I then contacted their loan investigation department to find out more information about these loans. The loan investigation department sent me an email stating that they do not have any federal loans on file associated with the school in question. XXXX. XXXX, XXXX I sent Navient another debt dispute letter along with a copy of the email that was sent to me from their loan investigation department stating that there was no federal loan on file for the school in question. Navient 's response was that the loans were valid as they stated previously from the first response.
Product: Debt collection

I am writing to report a debt collection issue with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They claim I owe {$1900.00} for an unknown debt, which I have no knowledge of and never incurred. Despite my lack of recognition, they are attempting to garnish my income tax refund. 

I believe this action violates : XXXX. Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( 1 ) : Failure to validate debt.

2. FDCPA Section 807 ( 2 ) : Threatening to take action not intended.

3. FDCPA Section 808 ( 1 ) : Harassment or abuse.

I request : 1. Verification of the debt, including original contract and documentation. 
2. Immediate cessation of collection activities.

3. Removal of this debt from my credit report.

*Consumer Rights and Laws* This complaint asserts violations of : 1. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) 2. Consumer Credit Protection Act ( CCPA ) ( 15 U.S.C. 1601 et seq. ) 3. Electronic Fund Transfer Act ( EFTA ) ( 15 U.S.C. 1693 et seq. ) Certification I certify that the information provided is accurate and true to the best of my knowledge. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

The XXXX XXXX  account was reporting derogatory. This account was paid off 100 %. It should report paid as agreed like XXXX is reporting this account according to the fair credit reporting act. I have disputed this inaccurate status and nothing was changed. I will provide proof of the violation committed by experian.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> Dear Consumer Financial Protection Bureau, As per my rights under the Fair Debt Collection Practices Act ( FDCPA ) if a debt collector fails to validate a debt all collection efforts must cease and the continuation of reporting that debt is a direct violation of FDCPA. XXXX XXXX failed to validate a debt on behalf of XXXX XXXX XXXX have sent out several letters to all parties involved regarding this information including XXXX XXXX  and XXXX requesting that they correct this inaccurate information on my credit file and both credit agencies responded that account was verified. Now I would like to file my CFPB complaint formally.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone had used my information to pull Hard inquiry which I had never authorized..

Experian XXXX XX/XX/2017 XXXX  XXXX   XX/XX/2017
Product: Money transfer, virtual currency, or money service

am filing 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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX Re : Notice of Dispute Dear CFPB, I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX XXXX - Delete this account because you are inaccurately reporting ( STATUS, BALANCE. Experian : Balance {$10000.00}, Balance updated XX/XX/XXXX, XXXX Account charged off. {$31000.00} written off. 
Status updated XX/XX/XXXX, Last payment date XX/XX/XXXX, Balance details Paid offXXXX XXXX XXXXXXXX POTENTIALLY NEGATIVE MONTHS Original balance XXXX Original balance {$21000.00} In XXXX : Balance updated, XX/XX/XXXX, Original balance $ XXXX Charged off as bad debt.Status updated XX/XX/XXXX You have 30 days from the receipt of this notice to conduct a reasonable investigation to determine whether the above information is inaccurate and delete the items from my consumer file. Please forward any changes to my file to the address above. 

Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

EQUIFAX is illegally reporting private account information on their platform about me that has no permission from being shared. EQUIFAX must comply within 4 days by deleting the mentioned accounts from being reported on their platform or they will be mismanaging my security according the the SECURITIES EXCHANGE COMMISSION ( SEC ). These accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY WITHIN 4 DAYS OR EQUIFAX WILL BE REPORTING ILLEGAL INFORMATION. I have attached proof from these 4 companies that I have opted out of the sharing of my non public personal information including name, account number, and transaction history from being furnished to you, a non affiliated third party. PLEASE UPDATE the reporting of these accounts promptly or I will submit a TCR complaint with the SEC.
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 Account # : XXXX XXXX XXXX Account # : XXXX 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 16
81c. ( 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: Checking or savings account

I am writing to file a complaint against USAA regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB Findings against USAAl for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request investigation into my accounts transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

Given the options, this track was the one that " best '' fit my issue. Neither I nor my mother have a student loan. On XX/XX/2020, Navient ( XXXX ) called my XXXXyo mother, whom I have POA over, as a hip-shot approach seeking info regarding XXXX XXXX, acct # XXXX. The caller ID 'd himself as XXXX, Employ ID XXXX, on a voicemail. When that failed, he proceeded to call me and left the same voice mail. I called to find out info about this issue and was told my info was obtained from LexisNexis ( XXXX ) and this was an attempt to locate XXXX XXXX, acct # XXXX over a student loan. We do not know XXXX XXXX, acct # XXXX and this is the 2nd time this type of call has occurred in as many months. I feel this is a violation of the DNCR, harassment, and abuse of information. I have since restricted my info at LexisNexis and noticed them of my concerns that their info of my family is being abused by XXXX. I have expended at least 2 hours of my time thus far.
Product: Debt collection

My paycheck started being garnished without warning. I was not given a chance to dispute this issue. I do n't know exactly what company is doing it but on my paycheck it say " Student Loan/ XXXX XXXX '' and then the amount withdrawn from every check. I know by law you are suppose to have been employed for 12 consecutive months before garnishments. That is not the case with me. I am being robbed.
Product: Money transfer, virtual currency, or money service

I signed up with Ria Transfer online on XX/XX/23 and successfully made an international transfer and was able to download the confirmation details. Less than a week later I attempted XXXX more transfers ( to the same and additional recipients ) and XXXXne was successful but delayed by 3 days and two were declined for no reason, including a payment to the recipient who successfully received the first payment. I contacted Ria Customer Service via " chat '' and was told the " Order Verification Department '' had cancelled the transfers. I asked for the reason ( XXXX ) why but the agent was unwilling or unable to tell me. Therefore I had no way of " fixing '' what was wrong. 

Later I received messages from the Ria system saying " All orders are subject to review by our third-party fraud service, and they flagged this order as suspicious. '' These transfers were NOT suspicious. I have used XXXX to pay this same recipient almost 100 times over the past 2+ years. And, the recipient had successfully received a payment via Ria less than a week before. This blacklisting of me and my transferee is unfair and I want to know what I can do to hold Ria accountable for this. 

I am now unable to access my account to print out the details of the successful transfer. I have included attachments with the details. I can understand if Ria doesn't want to do business with me- trust me, the feeling is mutual and I hereby pledge that I and any company I work for will never use Ria or its parent company XXXX XXXX XXXX XXXX. But they need to either allow me to access my account to download the details of the second successful transfer or send it via email. I have called twice and the representative said he was " emailing '' the fraud department and I should have my access restored but it was a lie - nothing has been done. 

Ria 's customer service is beyond pitiful and I hope anyone reading this pauses before using any of their services. It may appear to work but don't count on that continuing and once you have a problem they will leave you high and dry. Thank God for CFPB.
Product: Student loan

I signed for my ex-husband for his student loan as his credit was not good and he needed me to be the signor. He signed as co-signer. We divorced in XXXX  and it was stipulated in the divorce decree we were each responsible for our own student loans. I went back to Navient and explained this. They asked for the decree which was sent. They responded by saying that since XXXX, my ex-husband, was not given a XXXX in XXXX, he was not responsible. 

I have the contract, he is co-signor, it is his loan for his schooling at XXXX XXXX and he has never made a payment. I have my own student loans to be accountable for and this is his. I can not afford to make his payment with a % XXXX interest and continue to keep up with my payments. This is now affecting my XXXX XXXX, and I want this resolved to my satisfaction. I have followed every course I know to do, the next after filing the complaint is finding legal representation to follow up on. The problem with this is I do not have the funds to for their legal counsel.
Product: Credit reporting or other personal consumer reports

XXXX XXXX living XXXX has been identity thefting. I trusted him before so all my personal mail was deliver to his address. 

phone XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA USA has been using my personal information to trying to applying the loan etc. Identity theft has been happening recently. 

First I caught him making XXXX  XXXX card under my name. And he attached my name with my XXXX XXXX routing and account number. About XXXX dollar has been deducted by XXXX  XXXX credit card company from middle of XXXX. 

Second I see he trying to use my XXXX account. But I did not authorize the use so it blocked. 

Now I got the call from XXXX XXXX super visor her name is XXXX XXXX. She said there were suspecious activity on my account so they had to freeze my XXXX account. ( Someone was trying to trying to transfer my funds they said probably XXXX did ) There might be more stuff are happening which I have not know yet. 

Such as trying to loan under my name etc.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Final Request for Removal of Inaccurate Late Payments XXXX XXXX XXXX Account Dear CFPB, I am filing this complaint regarding the failure to correct inaccurate information on my credit report for the XXXX XXXX XXXX account ( # XXXX ). Despite submitting prior disputes on XX/XX/XXXX and XX/XX/XXXX, the incorrect reporting of late payments for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX has not been addressed. 
The inaccurate late payment reporting contradicts the following laws : Fair Credit Reporting Act ( FCRA ) Violations Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information reported in consumer files. In this case, no updates or corrections have been made to rectify the discrepancies, which continue to harm my creditworthiness.

Truth in Lending Act ( TILA ) Violations According to 15 U.S. Code 1666b, creditors are mandated to provide periodic statements at least 21 days prior to the due date. The continued reporting of these late payments raises questions regarding compliance with this statute and has caused unjust damage. 
Discrepancies and Errors Noted Across the Credit Bureaus Account Information Account Number : XXXX High Balance : {$24000.00} Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Current Term Length : XXXX Months Account Type : Auto Loan Discrepancies Across Credit Bureaus TransUnion : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX despite the account being current. 
The account was last verified on XX/XX/XXXX with no updates or corrections since the previous disputes. 
XXXX : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which do not align with the payment history listed. 
The account was last reported on XX/XX/XXXX but remains inaccurately reported as having late payments. 
XXXX : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, even though the payment status shows " XXXX. '' The account was last reported on XX/XX/XXXX, with no correction made despite previous disputes. 
Desired Resolution I am formally requesting the immediate removal of the inaccurate late payment notations from my credit report across all three credit bureaus. Additionally, I request : Written confirmation of these corrections.

An updated copy of my credit report reflecting the accurate status of this account. 
If this issue is not resolved promptly, I will escalate this matter by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for damages caused by these inaccuracies. 
Thank you for addressing this matter promptly. I look forward to your written confirmation of the correction. 
Sincerely, XXXX XXXX XXXX