23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This letter is in response to your recent claim regarding account # XXXX which you claim I owe {$4400.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your 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. 
My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MA XXXX Last 4 SS : 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. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Checking or savings account

This is the third different complaint related to the same issue with PNC Bank. First PNC rejected the original and perfectly legal power of attorney presented to them. Then they requested that I use their POA form to accomplish the same task. Now, they rejected that perfectly legal notarized New Jersey PNC POA form stating that the notary didn't properly include the agent 's name ( me ) in the description of what she was notarizing. Perhaps PNC should design their forms to make it clear what they require because on the line that includes the name of the principal there is only room for XXXX name. I don't blame the notary because the form is very poorly designed. In the meantime, PNC has insisted that I use their form, which I did, and now they won't accept it.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, The incorrect items listed below appear on my credit report. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 


Please provide the names and business addresses of everyone you checked the information with so I may follow up. 
The date on which you contacted each information source. 
the method of communication used to verify the information. 
I also want to know if the furnisher provided you with my SSN, address, or date of birth. 

Once you have completed your investigation and made the necessary corrections, kindly provide me an updated credit report. 

Thank you for your time and help with this.
Product: Money transfer, virtual currency, or money service

Missing Funds Money disappeared from Missing Funds Money disappeared from my Cash App account without any explanation. 
Identity unauthorized transactions, fraudulent activity, incorrect payments, issues with account access, delayed withdrawals, problems with customer support, disputes over goods or services purchased through Cash App, suspected scams, missing funds. Electronic found transfer act, and regulation E. This. Actions have caused significant inconvenience and financial loss. Therefore Im following the the Customer Financial protection act
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022
Product: Student loan

Ever since 2013 I have been trying to pay Navient. They would say my payment went through, then I would get statements saying nothing was paid! Then I try and get a hold of someone to fix it and I get transferred to a million different people and STILL no help. 
Once money got tighter for us, i filed for deferment which the lady said I could file twice.So I did. Well it only worked the 1st time. I tried calling and emailing and couldnt get through or no email back. I also tried doing the student loan forgiveness and nobody was able to help me with that either. So I have had ENOUGH.
Product: Credit reporting or other personal consumer reports

In reference to the following accounts : XXXX ) XXXX XXXX XXXX  XXXX account # XXXX alleged amount : {$3400.00} XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX, last four of account # XXXX alleged amount : {$11000.00} XXXX ) XXXX XXXX  last four of account # XXXX incorrectly reporting late payments for : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXX ) XXXX XXXX XXXX XXXX last four of account # : XXXX incorrectly reporting late payment ( XXXX ) for : XX/XX/XXXX and XX/XX/XXXX. 

In accordance with the fair credit reporting act, the above list of accounts has violated my federally protected privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 602A states I have right to privacy.

15 USC 1681 section 604A section 2 : states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1681C ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681c ( A ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.
Product: Credit reporting or other personal consumer reports

I would like to follow up in regrads of the multiple attempts I have made to remove fraudulent items from my credit file through Credit Bureaus. Despite multiple requests, the fraudulent entries persist, causing significant distress and negatively impacting my financial standing. The continued presence of fraudulent items on my credit file is not only inaccurate but also poses a severe threat to my financial well-being. I request your immediate attention to the following actions : Conduct a thorough and expedited review of my credit file to identify and remove all fraudulent entries. Provide written confirmation once the fraudulent items have been successfully removed. Investigate the source of these fraudulent entries to prevent similar incidents in the future.Therefore, I expect a swift and diligent investigation into this matter. I am asking for your help to remove these fraudulent items in my credit file : XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues like failing to forward consumer-provided evidence to furnished, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

There is a collections through Jefferson Capital Systems in my credit report account # XXXX from XXXX XXXX. I have tried disputed through the credit bureaus that it is not mine but have had no success. I called the company and they stated I lived at an address I have never heard of and a cell number I have never heard of as well. I told them it was not my debt and I wanted it off my credit report.
Product: Mortgage

On XX/XX/2022, I paid all my overdue ( Forbearance Period ) payment, which is {$44000.00}. 
However, this doesn't reflect to my payoff statement & account for long time. Please see attached my payment history & latest payoff statement which has not been updated. 
I called more than 4 times, and they lastly promised ( on XX/XX/2022 ) that it will be updated no later than XX/XX/2022, but it wasn't updated yet. 

My closing day is XX/XX/2022, and I really need updated payoff statement until XX/XX/2022. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX acct was opened on XXXX XXXX and was closed on XX/XX/2017. It was charged off as a bad debt closed and was purchased by another lender ( XXXX ). This account reached its statue of limitations which was 3 years. This account is 13 years and 8 months old. On my credit report it states that XXXX XXXX, XXXX posted on my credit report that I owe {$1700.00}. It seems this company is ghosting my social security number and all pertinent information on the web. Since I am retired now and only have one income which is Social Security, this company is taking advantage of me. I did not sign any papers to start paying on this bill, although I am in a debt management program which this debt is being paid to XXXX XXXX XXXX XXXX every month by XXXX XXXX XXXX. The account has been settled for {$830.00} at which payment is being made every month. I would like XXXX XXXX, XXXX to remove from my credit report. The Company XXXX XXXX, XXXX is doing the exact thing to XXXX XXXX XXXX, XXXX. which states on credit report that {$1500.00} is owe but it has been settled for {$760.00} at which payment is being made every month. Its a shame that the little people when in debt trying to clear up their credit report that everybody else wins ; XXXX XXXX XXXX receives a fee for settling your acct, and these companies like XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX  ghost your social security. When financial crisis hit and you can not pay when the creditors want you to pay, even when the insurance has paid the creditor off and the account is closed, trying to do good by entering a debt management program is the worst. They tell you don't pay your bills and they have a better chance to negotiate your debt down meanwhile you are on fix income and the debts time have past statue of limitations. You can not win!! I hope this information will help some consumers to beware. Thank you.
Product: Credit reporting

Since XX/XX/XXXX I have filed the same complaint XXXX times with TransUnion. In all occasions, the issue is that the " High Balance '' shown appears higher than the " Credit Limit '' shown below it. In each or the complaints, the " Credit Limit '' was shown lower than what it was at the time of the " High Balance '' making it appear as though I over-extended my credit, which was NOT the case. In each incident, the credit limit was later lowered, but never lower than the current high balance. In XX/XX/XXXX, when I reported this issue for the XXXX time, I enclosed the same pages I will be including in this complaint. In this XXXX complaint, the report states that XXXX of the issues were resolved, and XXXX were confirmed. There was no resolution to the first XXXX, and the other XXXX are both from XXXX Bank, and they have NO RECORD OF EITHER OF THESE ACCOUNTS, OR MY S.S. NUMBER. I have no idea how their information is confirmed, particularly with the evidence I enclosed. 
Also ... I noticed on this report a collection for XXXX just re-appeared. This was disputed at every level, and it was confirmed that this collection is not valid. This has JUST appeared this month on my report, between the XXXX and XXXX repeated complaint on the above mentioned issues. Please include this new ( yet, reoccurring ) issue in my complaint. 
Over the past 14 months, I was denied credit multiple times citing this exact reason for their decision. Over the course of that time, this has caused numerous financial issues, the total damages of which continue to grow. 
I believe the pages I am uploading with this complaint are overwhelmingly clear. In EACH occasion, they are the statements from the time of the " High Balance '', and ALL of them are showing a HIGHER " Credit Limit '' than what is reported. This method of reporting the current " Credit Limit '' below the " High Balance '' when the high balance ( In all my cases at least ) occurred when there was a higher credit limit available. 
The enclosed file, " re re redispute '' describes the Exhibits enclosed, and was sent to TransUnion in the XXXX complaint on these issues. 
PLEASE DO NOT INCLUDE EXHIBITS IN THE PUBLICATION OF THIS COMPLAINT.
Product: Credit reporting or other personal consumer reports

I have asked the account XXXX XXXX XXXX to correct my account credit profile XXXX times now. It continues to list this account as a bankruptcy account, adding a new bankruptcy account to my file, but it is not a part of a bankruptcy. This account was paid in full by XXXX dealership when I traded the vehicle in ( XXXX XXXX ). This account was not only paid in full through a trade in made with the vehicle financed by XXXX XXXX XXXX, it was also closed, paid in full. 

I do not understand why this information is still being reported incorrectly. My banruptcy was filed in XXXX and XXXX in XXXX. This vehicle financed by XXXX XXXX XXXX was not included in the bankruptcy and we sold it in XXXX. PLEASE CORRECT OR DELETE THIS ACCOUNT. I will continue to pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was XXXX  and unable to check and monitor my credit I was a victim of identity theft and then the pandemic was in main swing and I'm just getting all the information I need too file my complaint and request these accounts be removed from my credit reports please and thank you. 
XXXX I have enclosed in the attached documents the list of all accounts not mine good bad or in between
Product: Vehicle loan or lease

Just recently I had a birthday and asked my father for assistance with catching up on payments that I was behind. The original amount I was past due was {$2200.00} I requested {$1500.00} in assistance from my father in hopes to apply it to my account to bring it current. After agreeing he asked me for the information to my account to make the payment and ensured me it was taken care of when I asked him if he was sending me the money. A few weeks went by and I received a phone call from a representative on the XXXX asking for payment to which I didn't understand. After speaking to the representative I learned that I was behind for the months of XXXX and XXXX to which an extension was granted. The agreement was to make the payment for XXXX on the XXXX. On the XXXX I found out that there was actually no way for me to make a payment at all and the amount due was for {$6100.00}. Confused I called the company and spoke to a few different representatives and was ultimately told that upon review of the account there had been checks mailed out on my behalf that were returned for ridiculous amounts which when asked, I was told checks written for {$9000.00}, {$9500.00}, {$9300.00} and one for  {$4500.00}. When asked which bank was listed as the paying account it was for a bank account I am not familiar with. I am positive this had something to do with my father and not only were these fraudulent payments not authorized by me, the original {$1500.00} I asked for was no where to be found, which I had requested as cash for my birthday. Now I'm facing a possible repo whether voluntary or involuntary, unless I can come up with the past due amount which exceeds {$5000.00}. When asked I was told the account is past due by 352 days which doesn't even make any sense whatsoever to me because I've only had the vehicle for a year which would have meant no payments were ever made since I bought the vehicle. I am attempting to get this matter resolved and this issue fixed so that I can keep the vehicle and get back on track because I am 99.9 % certain some sort of error has occurred and the wrong information is being reflected to the extent of either every payment for the last year has been returned or none of the payments I've made in the past year are being reflected. Every payment I've made has been going toward the interest which accrues daily and any payments toward the loan would apply to interest first not the balance of the vehicle meaning if any payments made were to be returned they would count against the interest not the principal of the loan. I can see the returned payments in the summary of the account but there is no information regarding where these thousands of dollars have been applied to any fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to remove a credit freeze on Experian so I can make a purchase. Experian wants a PIN 10 digit the provided to me two years ago. I don't have it - my fault. Their fix is to US mail documents which takes up to 14 days. In today 's environment this is totally unacceptable, I'll be dead by then.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXX on XX/XX/XXXX under the XXXX account number, a credit card opened at XXXX XXXX XXXX on XX/XX/XXXX under the XXXX account number. These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) : Experian is required to investigate disputed items within 30 days of receiving a dispute and ensure the information reported is accurate and verifiable. Experian has failed to provide adequate validation or remove unverifiable information.

Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : Experian has a duty to maintain the maximum possible accuracy of the information reported. The discrepancies between Experian and Equifax reports demonstrate Experian 's failure to meet this obligation.

Failure to Notify Furnishers of Disputed Information ( 15 U.S.C. 1681i ( a ) ( 2 ) ) : Upon receipt of my disputes, Experian is legally required to notify the furnishers of the disputed information within five business days. Experian has not demonstrated compliance with this requirement.

Failure to Provide Dispute Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : Experian is required to provide the results of their investigation and an updated credit report. Despite my repeated disputes, Experian has not fulfilled this obligation.

Unverified Debt Reporting ( 15 U.S.C. 1692g ) : Experian continues to report accounts that have not been properly validated under the Fair Debt Collection Practices Act ( FDCPA ). I have yet to receive original documentation, including any contracts or records containing my appended signature, to verify the legitimacy of these entries.
Product: Student loan

I requested a refund on XX/XX/XXXX for a payment made on XX/XX/XXXX of {$21000.00} on my student loans with FedLoan Servicing. I am entitled to the refund according to the CARES Act. As of today ( XX/XX/XXXX ) I have not seen my balance reinstated on my account or a refund, despite being originally told this would occur in 30 to 45 days. I am submitting a complaint due to the following : ( 1 ) FedLoan says they are unable to send a confirmation email or letter confirming my request for a refund has been submitted. 
( 2 ) FedLoan says they can not provide updates on where in the process the request is, only that it was submitted on XX/XX/XXXX. 
( 3 ) The timeline for seeing the account balance reinstated and a refund issued has increased exponentially with each call I have made requesting an update on the account. When the request was made on XXXX XXXX the timeline was 30 to 45 days. 3 weeks ago the timeline was moved to 60 to 75 days. As of XX/XX/XXXX the estimated timeline is now 4 to 6 months. 

The inability to provide confirmation of request for a refund combined with no updates on the process and a continually growing timeline is unethical. I have received confirmation of others who requested refunds AFTER I had put in my request and received theirs within 2 to 4 weeks. I am very concerned FedLoan is not following through with their financial obligations to keep consumers informed and appropriately process requests in a timely manner.
Product: Credit card or prepaid card

I was charged fees and interest after I closed my credit card account with Synchrony Bank. I had a XXXX XXXX. After not receiving statements XXXX XXXX, I requested a closure of my account in XXXX XXXX.I paid a balance that I didn't even owe of fees and interest in XX/XX/2020 of about $ XXXXand told a representative that I wanted my account closed. I have received bills since that closure. I do not even use the card.