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

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Teletrack, a supplemental consumer credit agency, for violating the Fair Credit Reporting Act ( FCRA ) by furnishing information about me to XXXX without my consent. 

On XX/XX/2023, Teletrack furnished a consumer report about me to XXXX without my written permission. This is a violation of Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA, which prohibits consumer reporting agencies from furnishing consumer reports without the consumer 's written permission. 

I have not provided Teletrack with my written permission to furnish consumer reports about me to any third parties. I am very concerned about the fact that Teletrack has violated my privacy rights by furnishing a consumer report about me without my consent. 

I am requesting that the CFPB investigate this matter and take appropriate action against Teletrack. I am also requesting that the CFPB require Teletrack to destroy all copies of the consumer report that it furnished to XXXX without my consent. 

Thank you for your time and attention to this matter. 

Law codes violated by Teletrack : * Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681-1681x.

* Section 604 ( a ) ( 3 ) ( A ) of the FCRA : 15 U.S.C. 1681b ( a ) ( 3 ) ( A ).

* Section 604 ( f ) of the FCRA : 15 U.S.C. 1681b ( f ). 

XXXX XXXX
Product: Checking or savings account

Using their own app, I tried to use their mobile check deposit. The check was from an insurance company, had all the watermarks and color changing ink and all that to confirm it was real. XXXX days after depositing, I tried to check the app to see if it had cleared and was locked out of my account. I had to call XXXX different people just to find out my account was locked because of the check deposit. I couldn't get a straight answer over the phone and went in to a branch. After sitting with the manager for an hour I was told that they didn't " trust '' the check, thought it was fraudulent, and were threatening to close my account. I offered to bring the physical check in for them to examine to show its legitimate, offered to show dozens of emails between myself and the insurance company about the payment, etc. I was informed I would have to wait up to XXXX days, but that I should expect the full XXXX days because of how slow they are. After that, my account would be closed. So for the next XXXX days I have no access to my bank account, no access to funds, existing or from the check, no way to pay bills or withdraw cash from my account even. I can't even get my account number to file this complaint and have to use my address.
Product: Debt collection

XXXX XXXX  was fined for opening up fictitious loans without knowledge of property owners and without appraisals for properties. 

I reported that XXXX XXXX  and all subsidiaries with attorneys acknowledge fictitious loans were used under identity theft, property title theft and other organized financial activities over years, but did not honor any civil penalty relief, as ordered. 

Rushmore Loans explained they can not speak to me by phone and referred me to their attorneys that chose defamation of my character, perjury on court documents, evaded the discovery due process and did not file any actions against known predator fraudster that did not show for any court hearings. 

XXXX XXXXRushmore and XXXX XXXX attorneys threats and motions to seize my property all were in direct violations of civil penalty relief.

The attorneys filed they were not able to get any " stipulated agreement '' in direct willful contempt of victims relief for fictitious loan schemes and influenced courts to racketeer and advised me to get an attorney. All these acts of racketeering, avoidance and the contempt of court is verifiable and registered in docket files.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. Not only have them ignored my prior requests for validation of debt ( see enclosed copies of receipts letters ) but they also continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.
Product: Checking or savings account

There was a pending transaction that fell off and they still overdrafted my account. I turned off overdrafting 6 months ago and it doesnt matter. They overdraft anyways. 

All dates and balances are in the screenshot I uploaded.
Product: Credit reporting

I have continuously contacted the credit bureau and the creditors, whom refuse my dispute of the validation of these inquiries. The representative could not provide me with validation as requested, other than stating that the inquiries were a " statement of fact ''. I have continuously advised the credit bureau that these inquiries do not belong to me, and request that the following inquiries be removed.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX : XXXX Request for Debt Validation, Assignment Contract, and IRS Form 1099-C Compliance Dear XXXX, This letter serves as a formal request for validation of the alleged debt and compliance with all applicable legal requirements under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Consumer Financial Protection Bureau ( CFPB ) guidelines.

Request for Debt Validation and Documentation : Pursuant to federal law, I request that you provide the following documentation to substantiate the validity of the alleged debt : 1. Assignment Contract and Bill of Sale : o A complete copy of the assignment contract and bill of sale demonstrating your agencys legal authority to collect this debt.

2. Permissible Purpose : o Proof of permissible purpose under the FCRA ( 15 U.S.C. 1681b ) that justifies your access to and reporting of this alleged debt on my credit report.

3. Debt Validation : o The name and address of the original creditor.

o A complete and itemized accounting of the debt, including the original amount, payments made, interest, fees, and charges applied.

o Copies of all contracts, agreements, or documents bearing my signature that establish a contractual obligation for this debt.

4. IRS Form 1099-C : o Confirmation and documentation of whether an IRS Form 1099-C ( Cancellation of Debt ) has been issued for this account pursuant to 26 U.S.C. 6050P. If a 1099-C was filed, please provide a copy.

5. Verification of Reporting Accuracy : o Confirmation that all information reported to credit bureaus is accurate, complete, and in compliance with 15 U.S.C. 1681e ( b ), which requires data furnishers to maintain reasonable procedures to ensure the accuracy of information they provide to consumer reporting agencies. 
Cease and Desist Notice : Effective immediately, I demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes phone calls, letters, emails, or any other form of contact. All future communication must be in writing and limited to providing the requested validation documentation.

Demand for Compliance : If you are unable to provide the requested validation and documentation, I demand that you immediately : Cease all collection efforts.

Remove any negative information related to this debt from my credit report.

Confirm in writing that this matter has been fully resolved.

Failure to comply with these legal obligations may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of my states Attorney General. 
Please send all requested information and documentation to my address listed above within 30 days of your receipt of this letter.
Product: Student loan

Hi there, I had both my federal and state taxes illegally docked despite there being a moratorium per the Cares Act until XX/XX/XXXX. The department of Education actually sent me a letter saying payments were paused. I had roughly {$7300.00} taken that I need returned. I'm a single mother of XXXX kids XXXX with no financial help and am facing utility shut off notices and threats for my car being repo-ed. I was an XXXX XXXX  until COVID hit and my oldest is at XXXX XXXX  with his extreme XXXX, with our doctor highly suggesting I not resume interacting with the public until things settle down. My PUA ( self-employment UI ) just ended and this money is very needed right now to keep my family afloat. 


I was directed by Health and Human Services to call OSU for assistance with my debt and did so numerous times over the years, seeking forbearance or any sort of help. Each time I am told that they are private loans so there's no help. I do not understand how I had to go entrance and exit online counseling to get the loans and I signed up for student loans, not private. They say that when I dropped down to part time it changed to private? I do not understand how a loan can change like that. I have all of the emails from the time of origination and they all say " student loan ''. They're also having me pay back grants, which is weird. Further, to my understanding, private loans can't be docked unless there's a judgement. So I don't understand how they've ever been docked from my state. And they say that they did request that payments not be docked but it wasn't until XXXX and my payment arrived in XXXX. I do not believe they can not offer a reversal due to financial hardship during a pandemic. Additionally, I was never told that I had a whole separate loan that's federal. To my knowledge, the initial amount owed was XXXX and I've paid that back and then some over the years with my taxes being docked. It's hard for me to believe that over the years that I asked for help, they never bothered to tell me that part of my loan was federal and that I could actually get forbearance or some kind of help from federal. I honestly don't believe that they don't have any type of programs for their loans themselves though. I've never heard of such a thing. No forgiveness, loan discharge, or consolidation, repayment options? I feel they're taking advantage of me and I'd like my loan discharged at this point. As I've been looking into this, I'm seeing that they're legally required to provide me statements and repayment options, of which they've done neither. Reading that Department of Education says states can hold student loan servicers accountable when they fail to provide eligibility of forgiveness programs or provide false/misleading info on account. The loans were from 2009 so if they're private, the private should have maybe dropped off?

I would like my payments to both OSU and federal returned. The servicer that docked payment for federal is Credit Adjustments Collection Company : XXXX XXXX XXXX. They are not returning my calls. 

I appreciate your help greatly!
Product: Credit reporting

In XXXX 2015, I ordered a product from Experian to get my XXXX bureau reports with my FICO score. When I ordered the product through Experian 's customer portal I was told that the FICO score was unavailable. This was very disappointing to me because I am fixing my credit and I spent my money to get an idea of my credit rating only to be set back again. Experian gave me back a refund of money, but I have no clue as to what my middle score is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did never open this student loan I have not attended school since High School so please remove this account from my credit report thank you. This is Fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed an account with XXXX XXXX XXXX XXXX. The complaint I am filing is specifically related to their reporting on my Equifax Credit Report. They are reporting that I was delinquent on a payment by 60 days in XXXX and XXXXXXXX XXXX XXXXXXXX. 

I have provided both Equifax and XXXX XXXX XXXX services documentation from a court order in relation to this inaccuracy. The account was originally in both my wife and I 's name at the time it was taken out. In the court order it states " Wife shall be solely responsible for all debt obligations on such titled or leased property, if there is any, and shall hold XXXX harmless theron. 

My ex-wife retained possession of this vehicle and terminated the lease early unbeknownst to me as we were divorced. In the transaction with the dealership where she traded the car they advised they would take care of the remaining balance in relation to her new vehicle purchase ( I assume roll over any unpaid balance ). I was never notified of this until XXXXXXXX XXXX  XXXX when XXXX XXXX contacted me for the first time about a " late payment ''. You can imagine my surprise that they had let the payment get this late without reaching out to my ex-wife who was the one who had traded the car in and two never attempted to contact me on an account I did not even have access to any longer. In fact, XXXX XXXX XXXX had removed my ability to even make payments on this account in their online portal and through the phone. It was at that point that I had to reach out to my ex-wife 's family and I had no contact information for her and threaten legal action if they did not resolve the problem. 

This account should not be listed in my name as negative as I have court documents showing I had no responsibility for the loan after we dissolved our divorce.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored. 

XXXX XXXX XXXX XXXX - {$3600.00} XXXX - XXXX - {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$630.00} XXXX - XXXX XXXX {$650.00} XXXX XXXX XXXX A - XXXX - {$2300.00} XXXX XXXXXXXX XXXX XXXX  - XXXX - {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, US DEPT ED, US DEPT ED, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. ''
Product: Student loan

I have a loan being serviced by Great Lakes that has been sent to collections. I have been unable to afford any payment options they have offered. They have put me on a rehabilitation plan where I pay {$5.00} a month to get out of default. However, they sent me a letter that states I can only get out of default if I sign a letter agreeing to allow them to charge me a 20 % fee ( of the total balance ). My loan is over $ 100XXXX so this fee would be over $ 20XXXX. I explained to them that this would put me in much worse shape than even before. I feel this is unethical and not in the best interest of their consumers. They are simply making the debt so large it becomes impossible to pay. They are using a collection agency XXXX The contact I have spoken with is very rude and and told me I have no rights to negotiate while my loan is in default. Your help is looking into this unethical practice would be greatly appreciated. Thank you!
Product: Credit card or prepaid card

I did a balance transfer to my chase card at 0 % interest, and there is also a 25 % interest on purchases.

I proceeded to make a {$10.00} purchase and then make a {$68.00} payment on my card. I all of a sudden had {$0.00} in interest. I called up and they informed me all purchases will accrue interest until the 0 % balance transfer is paid off. So there's no way to pay off purchases until the full 0 % interest balance transfer is paid off.

Nowhere did they state that this would be the case and is unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

So Ive disputed these late payment 3 or more times and still no success. Even though what they are doing is against the law. They even sent me an email saying they would be removed and added another.
Product: Credit card or prepaid card

I am complaining about Walmart and the capital one Walmart rewards card. I made a purchase online through walmart.com with the Walmart rewards card by capital one on XXXX XXXX. They charged it, the item was shipped, then on the XXXX they put a charge against the card again for the same amount. I only ordered one item, one time- but they charged twice. This is not the first time its happened, it happens quite frequently. And then I have to work the phones and waste my time to try to get them to fix it. I call capital one they say its a Walmart problem. I call Walmart. They say its a capital one problem. No one will fix it, so I want to know what I can do about this because its ridiculous that they keep double charging me for things that I order when I patronize them, I think its a type of fraud and theres no telling how many times they do this to people that havent caught it and theyre getting rich off of ripping people off something needs to be done.
Product: Debt collection

I have no idea why this company is reporting to my credit reports. I never received anything in writing indicating any type of amount owed, the right to dispute it, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves the XXXX XXXX XXXX credit information, Account # XXXX { Please refer to the attached } on my Experian Credit Report/File. 
Although this is not a negative account, it is still not ACCURATE because I have never dealt with XXXX XXXX. I have tried to dispute this account with Experian some years back, but they would not remove it. In fact they placed a BLOCK so I am not allowed to dispute it again.This account is now PAST 10 YEARS OLD, and they still have not removed it.
Product: Credit reporting or other personal consumer reports

First Progress business practices are unlawful and the violate the FCRA. They failed to conduct a reasonable investigation after the numerous disputes I sent to the CRA 's. Despite being given all the required information they determined the reporting information was accurate and meets FCRA ( Fair Credit Reporting Act ) guidelines and it does not. A reasonable reinvestigation would have identified these errors, including but not limited to inaccuracies in the last payment date, payment history, balance history, and payment history guide. 
They continue to deny me of my rights as a consumer. First Progress has chosen to be willfully and negligently noncompliant of the law and the agreement they created. Our agreement contains a clear and binding arbitration clause that obligates both parties to resolve disputes through arbitration. When I attempted to initiate arbitration, they failed to comply with the AAAs policies regarding consumer claims as outlined in the Consumer Due Process Protocol and/or removed themselves from the Consumer Clause Registry. First Progress has sold the account, yet still attempting to collect. The FCRA states I have the right to a complete and accurate consumer report. They are hindering me from that and are liable under the FCRA. 
I have attached a copy of the agreement, XXXX correspondence, and notice sent )
Product: Debt collection

I received several calls yesterday from XXXX XXXX at ARA. Phone number XXXX. Case number XXXX XXXX. She left a message on my cell phone and repeatedly called my work number. I can not take personal calls on company time. It is not allowed. When I called this morning, she would not give me information regarding this debt. She said it was going to litigation and I was going to be served legal papers. She said she was a Process Server for the county ... but did not mention which county. The little bit of information I did receive was vague. She mentioned a bank account which I have not had for several years. She also mentioned a hospital bill and a towing bill, all of which have been paid. She said she mailed documentation to me and the 30 days in which I had to respond are over. I asked her to send me the information to me again and she said she could n't. The only thing I could do today was pay {$710.00} to cease and desist. I would n't give her any banking information. She suggested I get a pre-paid credit card to pay the amount. I called back and spoke with XXXX and told her I did n't receive any information and was disputing the debt. They would not work with me at all. I either paid {$710.00} TODAY or I would be called into court. They are supposed to be sending information to me in the next week to 10 days and I have to be home to receive a summons.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX other accounts Total balance : {$0.00} XXXX {$1500.00} Closed Unknown payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Open account Balance on XX/XX/XXXX Loan Amount {$1500.00} {$1500.00} Payment Info Status Collection account Status date XX/XX/XXXX Past due amount {$1500.00} Original loan amount {$1500.00} Monthly payment - Late payments - No payments have been reported on this account.