23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am writing to you with a sense of urgency and a request for your immediate assistance. Upon a diligent review of my credit report, I have identified information reported by Sallie Mae that seems incorrect and possibly in violation of the Fair Credit Reporting Act ( FCRA ). 

The FCRA endows me with the right to dispute inaccuracies and mandates furnishers to report information that is both accurate and substantiated. In light of this, I am respectfully requesting a re-investigation of the aforementioned items and if they can not be verified or are indeed inaccurate, a prompt correction or deletion from my credit report. 

Enclosed are copies of documents supporting my claim. I trust that Sallie Mae will honor its commitment to uphold the FCRA by investigating this matter thoroughly. 

I expect to receive a written confirmation of receipt of this communication and, following your investigation, a detailed explanation of Sallie Mae 's findings and the corrective actions that will be taken. Please understand the gravity of this issue on my financial standing and address this matter within the mandated 30-day period as per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already submitted complaints with  XXXX , Experian, and   XXXX    regarding this issue.     All three credit bureaus list a Chapter  XXXX  bankruptcy that belongs to someone else named  XXXX   XXXX  who currently resides in  XXXX , GA. If you go to ' XXXX  ' and search for '  XXXX    XXXX   XXXX   XXXX  the state of Georgia,  you  will find who I am talking about.     I am not that individual. I am sick and tired of the credit bureaus coming back with 'this information is accurate. ' Courthouses, as I am told, do NOT furnish information to credit bureaus OR public record companies (  XXXX ,  XXXX ,   XXXX   ), so I have no idea how or why these bureaus have been citing that my social security number is attached to these reports, when upon requesting the reports myself, I see NO evidence of any Chapter  XXXX  bankruptcy.     You  may  have me mistaken for someone else. I briefly worked for a company that was headquartered in  XXXX , GA. However, it was a telecommute from an ad I found on  XXXX . The company may have listed me as a GA resident even though I never had any physical residence there. I have worked for many companies being in the videography business, but never again across state lines as a salaried employee. The risk is too great.     And so now you face a choice. Either delete this bankruptcy from MY record and assign it to the CORRECT individual, or I will be forced to pursue further legal action against you in violation of the FCRA. You have no right to report inaccurate information and then legally stand behind this false information claiming that this person is me when I KNOW FOR FACT that it is NOT. I have already hired attorneys to look into this issue, but it would be a lot quicker and a lot less painful if you were to delete this bankruptcy yourselves.     I now consider this matter closed. Any further communication between the credit bureaus and myself will have to take place in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am refiling this complaint due to the resolution of the previous complaint filed. Again the account is appearing to have a late payment even if I was not late. XXXX XXXX I demand you to update this on my report cause it's clearly a violation of my rights.
Product: Debt collection

To Whom It May Concern : I am submitting a formal complaint against IC System, a debt collection agency acting on behalf of XXXX XXXX XXXX, for reporting a debt I do not owe to XXXX. IC System has listed an alleged debt of {$200.00} on my credit report, which is inaccurate and has negatively impacted my credit score. 

Details of Complaint Inaccurate Debt Reporting for Paid Balance : IC System is reporting an XXXX XXXX XXXX debt of {$200.00} as outstanding, despite my having already paid all outstanding balances and returned the necessary equipment to XXXX XXXX XXXX. This debt, as reported, is not valid, and IC System has no basis for pursuing collection or reporting it to credit bureaus as an unpaid amount. 

Negative Impact on Credit Report : IC System has reported this erroneous debt to XXXX, where it continues to appear on my credit report as a negative item. This incorrect reporting has adversely affected my credit score and misrepresents my creditworthiness. 

Failure to Correct Inaccuracies After Disputes : I have attempted to resolve this issue by disputing it directly with the credit bureau, but IC System has not corrected this error. They continue to report the debt as valid, disregarding the fact that there is no outstanding balance owed to XXXX XXXX XXXX. 

Violation of Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) : IC Systems refusal to accurately report or validate this debt may be in violation of both the FDCPA and FCRA, which require that debt collectors report only accurate information to credit bureaus and provide validation of the debt upon dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION FAILED TO INVESTIGATE THE DISPUTE ITEMS WITHIN 30 DAYS. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT ...
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 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 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, credit repair services, or other personal consumer reports

I did not receive my XX/XX/XXXX and XX/XX/2018 credit card statements, which meant I did not make my required payments by the due dates. After numerous conversations with credit services, Capital One acknowledged their mistake and vowed to update my credit reports to reflect no late payments. However, Capital One did not correct two of my credit reports and now it's adversely affect my ability to refinance my mortgage. I provided Capital One with the requested information however, they have not updated my credit report, as they indicated they would.
Product: Checking or savings account

XX/XX/2018 realized my account was blocked. 
No communication was given to me, no information, not even when I called, just to call next day. 

in the meantime I have at least 3 transactions I made today, thinking my finances were fine, and I will be liable for at least {$280.00} dollars in fees due to checks returned, in addition to damage to my credit. 

this was handled poorly and should always be notified of desitions like that with my money. 

I tried contacting the institution ans escalate to a supervisor, and my called was dropped.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XXXX AND XXXX OF 2023 I CONTACTED XXXX XXXX  ABOUT INACCURATE CREDIT REPORTING. THEY HAVE FAILED TO REPORT THE ORIGINAL CREDITOR OR ACCOUNT NUMBER MAKING IT IMPOSSIBLE FOR ME TO VALIDATE THE DEBT AFTER THEY HAVE CHOSEN TO IGNORE MY REQUEST. THEY ARE REPORTING OUTSIDE OF COMPLIANCE AND HAVE EVEN LEFT SOME INFORMATION BLANK FILLED THAT SHOULD BE REPORTING COMPLETELY AND ACCURATELY. PLEASE HELP ME. ALL PARTIES HAVE FAILED TO PROTECT ME AND I READ YOUR ARTICLE WHERE YOU ARE READY TO HELP ALL CONSUMERS BEING TAKEN ADVANTAGE OF BY DEBT COLLECTORS.
Product: Credit card

On XX/XX/year>, I reached out to discover card company inquired to block specific merchant ( XXXX XXXX XXXX XXXX  ) from charge on credit card. However, the charge still on through on XX/XX/year>. 

Last 4 digits of credit card XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian is reporting a bankruptcy on my consumer report and they have put in the data furnisher as being The US Bankruptcy XXXX XXXX XXXX, which is false. I have attached a letter from the US Bankruptcy XXXX of XXXX verifying and stating that they do not furnish information over to the credit bureaus or any 3rd party companies. XXXX and Experian is falsey stating this information on my consumer report and have yet to remove this from my consumer report.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Violation of Consumer Rights, Privacy Act, FCRA, and Consumer Protection Act I am writing to officially register a complaint against [ Credit Reporting Agencies Attached to this complaint / Financial Institution attached to this complaint ] for significant violations of my consumer rights, privacy act rights, the Fair Credit Reporting Act ( FCRA ), and the Consumer Protection Act. This complaint is submitted in accordance with the relevant legal provisions and is based on the following grounds : 1. **FCRA Violations : ** - As a federally protected consumer, I hereby exercise my right to opt out of any and all authorization for the disclosure of my nonpublic personal information, in accordance with 15 USC 6802.

- Per 15 USC 6803, [ Financial Institution attaches to this complaint ] failed to provide the required notice or disclosure regarding the sharing or selling of my private information to non-affiliated agencies, such as consumer reporting agencies. 

2. **Consumer Reporting Agencies ( CRA ) Violations : ** - [ Credit Reporting Agencies , e.g., XXXX XXXX XXXX XXXX, ChexSystems ], are non-affiliated third-party entities that have violated my privacy by accessing and sharing my personal information without explicit consent. 

3. **Privacy Act Violations : ** - Violation of my rights under the Privacy Act ( 5 USC 552a ) by [ Financial Institutions and CRAs ] through the willful sale and sharing of my nonpublic information without proper permission and notice. 

4. **FCRA Compliance Failures : ** - [ Credit Reporting Agencies and Financial Institutions ] failed to maintain reasonable procedures to ensure users had permissible purposes for accessing reports, assure maximum possible accuracy, and provide FCRA-mandated User Notices.

5. **CFPB Enforcement Action : ** - Reference to the recent enforcement action against XXXX by the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2022, highlighting concerns about the industry 's compliance with the law. 

6. **Damages and Legal Remedies : ** - Due to the failure to honor my opt-out requests per 15 USC 6802, I have suffered traumatic emotional, financial, and physical damages, necessitating legal redress. 

7. **15 USC 1681n- Civil Liability : ** - Pursuant to 15 USC 1681n , I seek civil liability for willful noncompliance, including actual damages, punitive damages, and legal costs. 

8. **Dodd-Frank Act Violations : ** - Asserting that [ Credit Reporting Agencies and Financial Institutions ] are engaging in deceptive acts or practices, violating consumer financial laws under the Dodd-Frank Wall Street Reform and Consumer Protection Act. 

In consideration of the aforementioned violations, I request a thorough investigation into this matter and a detailed response outlining the corrective actions taken. Attached herewith are supporting documents demonstrating the unauthorized sharing of my personal information. 

I am prepared to pursue legal avenues for resolution if necessary. Your immediate attention to this matter is appreciated, and I anticipate a timely resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

filed a bankruptcy XXXX XXXX XXXX ReAffirmed 2 mortgages XXXX Trans Union and XXXX Missing Payment history- previous payment history from my credit profile from both XXXX XXXX and XXXX XXXX have been removed. 
No current reporting for payments- XXXX XXXX XXXX XXXX refuse to report all payments made from date of reaffirmation which is XXXX XXXX to present All Previous on time payment histories from items included in bankruptcy have been removed XXXX and XXXX XXXX balances not accurate
Product: Credit card or prepaid card

Bought multiple prepaid credit card for the XXXX gift last year. 
Employess came back with the reponds of " no balance is loaded on the credit card '' Logged to check and found out there were multiple unauthorized chagres on few cards we bought. Reached out to the fraud department and can't get hold of anyone.
Product: Student loan

I attended XXXX University XXXX in XXXX XXXX. 
I have discharged the alleged debt/loan according to Public Law 73-10, Article 6, and Article 1 Section 10 of the United States Republic Constitution. XXXX/Navient still says I owe. I have no money to pay and no job to receive any money from. SallieMae/Navient are now in default because they Acquiesced for failure respond when I asked them to prove the debt- over a three year span. A debt tendered and refused is a debt paid. XXXX took my signature- promissory note and tried to create a legal Security out of it, but they were n't able to perfect the lien due to fraud against me. I was unaware of this fraud, they bundled my promissory note with other alleged borrowers, they created a trust and did n't fully securitize it by selling it on the open market. They have been harassing me over three years over a debt I do not owe and will not prove that I owe. The Accuser/corporate agent/public servants EIN # XXXX, Commission File Number XXXX-XXXX/Navient harassed me at my job, my cell and home. Proof of fraud attached. I did everything & stayed in honor ; XXXX/Navient Agent ( s ) rejected every attempt to clear this up. My alleged debt/loan has been discharged since 2013. Please everyone, before you sign on the dotted line with XXXX XXXX/Navient, buyers beware. My forensic audit, certified auditor 's report reveals no registration or license to operate in XXXX, I am depressed and ca n't get to sleep at most nights. Chain of Transfer of Receivables : Student Loan borrower an Undisclosed Third Party- Notwithstanding the terms within any purported Student Loan borrower Agreement ( s ), it appears that the Student Loan borrower is an undisclosed third party to the foregoing investment Trust in a quasi-contractual arrangement by way of the aforementioned statements made in the Prospectus. Moreover, the Student Loan borrower may have an adverse claim to any proceeds made by the Trust from the unauthorized use of the Student Loan borrower Receivables, as the Trust may be liable for certain violations of consumer protection laws that apply to the Receivables, either as assignee from the Depositor ( s ) with respect to obligations arising before transfer of the Receivables to the Trust or as the party directly responsible for obligations arising after the transfer. In addition, an Account holder ( Student Loan borrower ) may be entitled to assert such violations by way of set-off against the obligation to pay the amount of receivables owing. ( See UCC 8-102 ( a ) ( 1 ), 8-102 ( a ) ( 9 ), 8-105, and 8-302 ( 2 ) ) ; Lack of Capacity -The XXXX XXXX search results confirmed that XXXX XXXX XXXX , XXXX XXXX , XXXX , XXXX XXXX. Lack of Capacity-The XXXX XXXX search results confirmed that XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX lack the required registration and licenses to conduct business in the state of XXXX. Without the proper registration with the Secretary of State, the foregoing entities would be barred from instituting any forthcoming legal proceedings against the subject Student Loan borrower.
Product: Checking or savings account

On XXXX Suntrust withdrew XXXX without notification this made my account to be overdrawn. I was told they send me a letter stating they have placed this amount into my account 30 days prior for CO-VID relief and that in 30 days they would retrieve this amount. If I would have been notified I would have never accepted this amount. This amount was placed in my account without my knowledge. I ask Suntrust to give me copies of letter/emails has they told me they had send me and as of today 's date no copy of correspondence as been given to me. I have spoke to two supervisors On XXXX and was told nothing could be done. I called Atty General office XXXX XXXX was told to write it and send it in band call Consumer Finance spoke with XXXX and she advised the steps I needed to take. On XXXX I went in person to the branch to speak with a branch manager and was told an open investigation was open and I would be getting an answer via the correspondence of the emails/letter I was requesting of how the money was deposited and was going to be taken away from my account. The lady that help me by the name of XXXX XXXX. She was very unpleasant stating to me how can a person live without checking a bank statement. I told her I was not there for scolding me if I check bank statement or not I was I was there for the simple reason why and where was the correspondence allowing them to retrieve XXXX which was going to put my checking account overdrawn and they are going to get a lot of overdraft fees that I did not myself did and this was a scam for them to take all my money something that I did not do. As of today XXXX already my SunTrust account is XXXX overdrawn for not having the funds into my account. Money they took out without my knowledge without my consent and this is how the banks live of poor people with overdraft fees not made by me but by them. It was not nice for them to placed money on an account that was not overdrawn and by themselves made this account overdrawn to make overdrawn fees to take my money to pay SunTrust. To say they are helping people for COVID. If you notice Suntrust stated my account was overdrawn in the thirty days my account was never overdrawn.
Product: Credit reporting or other personal consumer reports

I requested a verification and validation of this account and the debt. I have sent XXXX different notarized notices to the company stating that I dispute this debt and requesting that they either verify this debt OR either remove it from my credit report or report it as paid in full. It has been well over XXXX  days now, and I have received no response at all. I sent the first notice to XXXX on XX/XX/year>. I then sent notices to the XXXX XXXX XXXX XXXX on XX/XX/year>, and again on XX/XX/year>. Each notice was sent via XXXX XXXX Mail and was verified as delivered via the XXXX tracking system. 

I am attaching a copy of each of these notices, which includes the tracking numbers to verify that they did in fact receive these notices. 

I certify that I have received NO response from the company verifying this alleged debt, and that the negative information still remains on my credit report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

PHOENIX FINANCIAL SERVIC, XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX is being reported as a new acct. every month for $ XXXX. 

This same company is reporting a payment of at least {$1.00} every month when NO payment has been made. 

I do not know who this company is or what alleged debt they say I owe. 

Because of their unscrupulous activities, my credit score keeps going down!
Product: Payday loan, title loan, or personal loan

I reached out to XXXX XX/XX/2019. the individual that picked up the phone I gave them my personal information to check on the status of my vehicle in the loan and why it was not picked up a year-and-a-half ago while I left it on the public Street and money times the tow truck came by but actually did not pick up the vehicle. the answer from The XXXX XXXX employee was the car was junked and it wasn't worth it for them to pick it up. since they never picked up the car I had to store the car for a year-and-a-half and I also got very busy taking care of my XXXX  XXXX XXXX husband and I never was able to take care of this matter. yesterday I spoke to employee of XXXX XXXX in the collection department XXXX XXXX he said to go ahead and take pictures off the car and send it to him via email which I did exactly that. this morning I spoke to XXXX XXXX and he said his manager offered {$1700.00} to be paid on XX/XX/2019. 
I just don't understand if the car was considered junk why are they charging me {$1700.00} and they will only put on my credit report paid less than owed amount. basically what they are trying to say is to pay and we will not fix your credit report which is unfair I will explain why I did my due diligence left them the car for pick up but they didn't follow the law to pick up the car and left it on the street and I ended up paying for storage of the car until today which is {$2400.00} or more they never give me proper disclosure for this type of a loan so I can understand it better. 
Over the years I have paid very High interest rate unfair fees undisclosed fees to XXXX XXXX. I want them to send me for any statements for any auto loans that I have received from them to my current address XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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