23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this Chapter XXXX numerous times ; the latest case number was XXXX. I received an email stating that they were still investigating the issue and it could take up to 60 days to fully complete the investigation. When I submitted my documentation ; it was 80+ pages verifying that the above mentioned bankruptcy was no longer on my XXXX report. It was deleted because of inaccuracies, etc. I have also spent YEARS of dealing with attorneys trying to get this thing off of my record because it was inaccurate from the beginning. XXXX is the reporter for all local, state and federal debts ( including bankruptcies ). Per their disclosure XXXX XXXX XXXX XXXX received notification today ( XX/XX/17 ) stating that this investigation is complete and has been verified as accurate. That is NOT true and a complete LIE. I called Transunion, they kept repeating " this is a Chapter XXXX, its due to stay on your record for 7 years from the date it was filed. '' I kept telling the gentleman on the phone ; you need to due a thorough investigation ; as I have sent to you all that you need ; but you can not hold me accountable for something that is no longer being reported. I mailed out 80+ pages that have yet to be received in yet ( to each credit bureau to clear up the confusion but they are not taking this seriously. They need to abide by the law. 


Here is an excerpt from the FTC website and the responsibility from the CRA : https : //www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about you to a credit reporting company ) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider. 

Credit reporting companies must investigate the items in question usually within 30 days unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide credit reporting companies so they can correct the information in your file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  account XXXX  XXXXXXXX  has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy..

15 USC 1681 Section 604 A section 2 It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite multiple written requests, accompanied with proof, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXXXXXX XXXX XXXX XXXX XXXXXXXX Unverified Account Thank You,
Product: Student loan

Aidvantage is not recording payments being made. I made a payment on XXXX of {$100.00} and the money was processed out of my XXXX bank account on XX/XX/XXXX while the company was still showing processing. I checked Aidvantage today, XX/XX/XXXX and the payment isn't showing as processing or received. The payment has disappeared and is not reflecting on my balance and yet the money is taken out of my bank account. I can not get ahold of a representative with the company to even check on this issue after being on hold for over half an hour., I received a payment confirmation when I first made the payment but I do not trust this company to follow through since the payment has fallen off their records. It is also clear this exact situation has happened to other Aidvantage customers. Interest is added daily on your principle and I believe this company is doing this on purpose to make more money.
Product: Student loan

My one loan consolidation of XXXX is Directly owned by the Federal Government. This is how that happened. It was purchased during the buy up in the XXXX financial crisis by the Federal Government Department of Education to bailout the failed financial institutions. 

My XXXX account identifies the ACS one Consolidation Loan as a Direct Loan with a XXXX XXXX XXXX. This is the only loan I have with ACS as shown and verified in my XXXX  account. 

My ACS XXXX Loan Consolidation was purchased by the Federal Government as part of the XXXX financial crisis bail out for failed financial institutions.

ACS has been found guilty of fraud in Federal Court for having loans in more than one que. If ACS thinks my one consolidation loan of XXXX is commercial it is because of this ACS practice of keeping Student Loans in more than one que. 

How ACS was allowed to change their name to Conduent and reorganize after having been found guilty of fraud in Federal Court and allowed to remain a Student Loan Servicer is beyond belief! 

When XXXX acquired my XXXX one loan consolidation in XXXX it was a Direct Loan : there were no other loans to consolidate or add to the consolidation ; the two loans and one consolidation added to my XXXXXXXX account by XXXX are bogus ; the two XXXX XXXXXXXX XXXX from XXXX were cancelled in XXXX never disbursed, XXXX dollar value, did not exist after XXXX, they were cancelled and not part of the XXXX one loan consolidation because they were already cancelled non-existent. When something is cancelled it no longer exists can not be resurrected! 

My one loan consolidation of XXXX has been Directly owned by the Federal Government since XXXX. This is how that happened. It was purchased during the buy up in the XXXX financial crisis by the Federal Government Department of Education bailout for financial institutions.
Product: Student loan

I wanted to consolidate my students loans in XXXX, which i believed to be free. This company called XXXX XXXX XXXX XXXX or Equitable acceptance called me mid of XX/XX/XXXX and told me i could have my loans consolidated never mentioning any fees until the end of our conversations. So i give them my financial information and personal info. thinking everything would be free, which i found out recently that it is free to receive help consolidating my student loans. So they told me for them financing my consolidation my charge would be XXXX and i needed to pay XXXX dollars then as a down payment and i would pay XXXX a month starting XXXX XXXX. They told me it would help my credit and so i thought it was ok. But now i know i have been paying for something that is free. My student loans were consolidated XX/XX/XXXX. I have been paying since XX/XX/XXXX - XX/XX/XXXX. I am now paying my student loan payment on top of this payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights.

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 Also, there are a few inquires that shouldn't be on my credit report. 

Following, 1. XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX, XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX 2. XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal po box XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX 3. XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX Business Type : Bank Credit Cards XXXXXXXX XXXX XXXX XXXX XXXX  XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX 4. XXXX  XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX, XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Data breach which compromised my credit tremendously. Chase bank reported an amount owed as delinquent payment on a vehicle i no longer even owned and reported to credit bureau which was inaccurate.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigave my claimes adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

My employer received a call from XXXX saying the reason of the call was for a subpoena for me and that they could n't give any other information. Returning the phone call, I was told that a letter was sent to XXXX, XXXX XXXX XXXX XXXX ( that zip is a XXXX zip ) by US Bank with no response and I am now being taken to court ( they were unsure of which court ). They referenced a US Bank account from 2006. 

I repeatedly asked if this was an attempt to collect a debt, always the response was no, however, this line was referenced three times, " do you want to take care of this now or are we going to see you in court. " I have a XXXX credit rating. This account that they are referencing was taken care of years ago. They are trying to scam money out of people through old debts. The fifth person I talked to finally gave me an address of their location : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I recognize this address! I have sent a letter to them to cease their attempts to collect past debts! XXXX XXXX XXXX is listed as an attorney at this address. How is she and her office still in business?!?! A XXXX search shows tons of complaints! Seriously, HOW IS THIS OPERATION STILL OPERATING??? 

They have my social security number and are threatening me with illegal legal action!!!
Product: Vehicle loan or lease

My vehicle was totaled on XX/XX/2019. Accordingly, there was an insurance payment made by XXXX XXXX to payoff the loan on XX/XX/2019. The lender, PNC Bank, received the payment on XX/XX/2019, but failed to process the check.

On XX/XX/2019, PNC claimed the check was mailed to the wrong address. I notified XXXX XXXX and they cancelled the check and reissued another. XXXX XXXX called to confirm the address and it was the same address the first check was sent to.

The second check arrived XX/XX/2019, but PNC is not processing the payment.

They refuse to provide information on the delays. As of today, XX/XX/2019, they have been in possession of funds for a total of 33 days and stating it could be at least another 10 days before they know anything.

I believe they are either incompetent, or worse, approaching insolvency. Their staff can not provide information, stating " it's a different department '' when I attempt to discuss. Other members simply fail to return calls altogether. I have communicated with : XXXX XXXX - XXXX   XXXX ( XXXX ) - XXXX XXXX XXXX - XXXX And XXXX XXXX XXXX ( Supervisor ) refused to speak with me.

This failure to process my payoff is abusive and has cost me additional monies. In addition to Per Diem fees accruing daily, my insurance carrier terminated my rental coverage when payment was received at PNC. The rental termination cost me {$440.00} in non-covered rental fees.

Additionally, I am still without transportation, and will be until this loan is paid off, which is creating a hardship on me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA ( fair credit reporting act ) Experian is required to have a copy of the original creditors documentation to verify that the information they report is mine and correct. I have sent three letters requesting the items that appear on my credit report and that are listed below, be properly verified or deleted. They received the first letter XX/XX/XXXX, the second letter XX/XX/XXXX, and the third letter XX/XX/XXXX. In all their responses they have refused to provide a copy of the original creditors documentation with my signature as required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ), furthermore ; they failed to provide the method of verification as required under section 611 ( a ) ( 7 ) and merely listed the accounts in dispute as verified and kept these unverified accounts on my report. I have been unable to rent an apartment, apply for home loans or finance a car because of these unverified accounts negatively impacting my credit score. I have been severely hindered and blocked from making progress in my business and financial goals due to the impact of this report. I demand that Experian delete all of the following unverified accounts immediately. 

REPORT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX UNIVERSITY OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have received 7 documents from TRS recovery service, in ref to collecting payment for XXXX XXXX these are not my account, do not have XXXX XXXX account XXXX 
TRS recovery services Inc XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am contacting collection co and filing claim.. this is not me
Product: Checking or savings account

I wanted to get into the XXXX XXXX XXXXXXXX coin after XXXX XXXX released and tweeted about it on XXXX, so I went to buy some XXXX through Robinhood on XX/XX/year>, and swapped it to XXXX  XXXX. After selling and swapping it back to XXXX, I sent it back to Robinhood to sell for US dollars on XX/XX/year>, because I wanted to transfer it back to my bank account. When I tried to transfer it back to my bank account, it didn't go through and Robinhood decided to restrict my account for " account security ''. There's a bar at the top of the bank account app that says " They'll notify me of the status of my account by XX/XX/XXXX '', but when XX/XX/XXXX comes, it automatically switches to XX/XX/XXXX. I'm worried it will be an endless wait such as the other people that had this issue on XXXX and XXXX. I need this money by the XXXX or I won't be able to pay my credit card bills. I have already had an automatic payment go through on one of the credit cards because it was due on the XXXX and I was thinking that I would have the money by the XXXX, but nothing has been resolved. My Robinhood account was in great standing before all this, so I wasn't sure what the issue was.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AC # XXXX, DO : XX/XX/XXXX, Amount {$840.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$22000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount:XXXX, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$2500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Product: Debt collection

Resurgent has failed to provide me with requested ( validation ) proof for an item on my credit after i sent several letters asking them to do so. The last letter that i sent them dated XX/XX/XXXX. I have certified proof that someone from their office signed for it on XX/XX/XXXX. I received a letter from them dated on XX/XX/XXXX which states have initiated a review of my inquiry. They took longer than 30 days to respond. As of today XX/XX/XXXX, I still have not anything from them. My rights have been violated according to the FDCPA. Which states, If the debt collection agency doesnt respond to your request for a debt validation letter, they violate the Fair Debt Collection Practices Act ( FDCPA ). Please see attached
Product: Debt collection

Charging in excess and repeated calls saying I am late when I am not
Product: Debt collection

On XXXX XXXX XXXX the IRS accepted the 1099-C for the cancellation of debt owed to Busey Bank . A copy of the 1099-C was received by me from the IRS advising me that the debt has been discharged ( cancelled or forgiven ) and Busey Bank is still attempting to collect on the charged off loan. Additionally, payment was sent in full to the indenture trustee XXXX XXXX with XXXX XXXX XXXX XXXX. Though I have not yet heard back from her, according to the UCC, 3-603. TENDER OF PAYMENT.

( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.

Additionally, federal law says that it's illegal to report transaction history.

NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. Per 16 CFR 433.2.

Also, pursuant to 16 CFR 433.1 I was supposed to receive a purchase money loan by law, but instead Busey Bank provided me with a consumer loan.

d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement.

Finally, pursuant to federal law a contract is only valid between a finance company and a seller that's in the ordinary course of business. So the initial contract that I signed with Busey Bank is void ab initio.
Product: Credit reporting or other personal consumer reports

An account with XXXX XXXX is reporting on inaccurately with XXXX, Equifax and XXXX. The discrepancies in reporting includes the following : ( 1 ) Date Opened ; ( 2 ) Date Last Active ; and ( 3 ) Payment History to my credit report. 

All inaccurate information is highlighted in the attached document for you review. 

XXXX is not reporting a payment history ; XXXX is reporting a repossession and Equifax is reporting that my account is in good standing. I have attached a copy of the account as it is recorded on my credit report.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

CEDAR FINANCIAL XXXX CLAIMED I OWED XXXX. I CALLED XXXX XXXX  TIMES AND THEY SAY I HAVE NO DEBT WITH THEM. 
NOW XXXX COLLECTIONS HAVE PUT IT ON MY CREDIT REPORT? 
I HAVE ALWAYS HAD OVER XXXX XXXX XXXX NOW IT SHOWS AS OUTSTANDING DEBT? THEY CLAIM IT IS FROM 3 YEARS AGO THIS DEBT? XXXX CLAIMS IT'S FALSE. IN FACT I HAD A CREDIT ON MY CARD WITH XXXX! 
THE XXXX MENS NAME IS XXXX XXXX AND XXXX XXXX. I HAVE SPENT HOURS TALKING IN CIRCLES WITH THEM AND THEY NEVER PROVIDE PROOF OF THIS DEBT. 
I WAS NOT ABOUT TO PAY XXXX WHEN XXXX SAYS I HAVE NO DEBT. I HAVE NEVER HAD A LATE PAYMENT IN MY LIFE AND I AM XXXX. 
THEY ARE XXXX AND I DID NOT WANT TO SHARE MY ACCOUNTS TO PAY THIS FAKE DEBT AND THEY XXXX ME! 
I COULD EASILY PAY IT BUT THERE ARE SO MANY SCAM ARTISTS TODAY. 
THE LAST TIME THEY CONTACTED ME WAS XX/XX/XXXX. 
THEY HAD CONTACTED VIA EMAIL A PERSON NAMED XXXX? THEY WERE TO GIVE ME PROOF OF THE DEBIT. NEVER HEARD ANYTHING OR GOT ANY PROOF AND THEN THEY ATTACKED MY CREDIT THROUGH THE CREDIT BUREAU? THIS IS CRAZY! PLEASE HELP! 
MY FORMER NAME WAS XXXX XXXX I REMARRIED XXXX  YEARS AGO! 

HERE ARE XXXX EMAILS XXXX AND XXXX REPORTED XX/XX/XXXX STATUS DATE XX/XX/XXXX XXXX BALACE CONTACT PHONE XXXX CREDITOR ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX
Product: Checking or savings account

I have repeatedly asked Citizens Bank to stop sending me marketing solicitations. They make it extremely hard to even find out how to do it. You have to search on their website to even find it and when you do it gives incorrect information. 

I have attached the solicitation.