23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

TCPA Violations ( 47 U.S.C. 227 ) : The claim of " passthrough consent '' is indeed a robust defense, provided that the consent was specific to the type of communication used. I acknowledge XXXX 's assertion that they do not use an ATDS or prerecorded messages. However, under the TCPA, it is imperative that I receive evidence of manual dialing processes. The burden of proof lies with XXXX to demonstrate compliance with TCPA regulations. As the account was sold to a third party, the nature of consent may change, and thus, the specificity of consent must be established. 

FDCPA Violations ( 15 U.S.C. 1692c ) : The FDCPA 's provisions regarding third-party communications are clear and must be adhered to strictly. Even if no statutes were overtly violated, the frequency and content of communications with third parties must comply with the FDCPA. While XXXX may be unwilling to provide recordings to the consumer directly, should an official investigation by the CFPB or another regulatory agency commence, XXXX will be obligated to comply. The absence of a violation request does not negate the right to confirm compliance. 

GLBA Non-Compliance ( 15 U.S.C. 1681 ) : The use of multiple numbers and any practices that could potentially mislead or confuse the recipient must be justified in detail to ensure they are not deceptive or misleading, which would be contrary to consumer protection laws. The initiation of any communication by XXXX constitutes contact, and as such, a notice of debt validation should have been sent within XXXX days. The " Cease and Desist '' status does not exempt XXXX from past alleged violations or potential statutory damages. 

Regarding statutory damages, while they are indeed subject to actual violations occurring, the allegations here warrant a thorough investigation. If violations are proven, statutory damages of up to XXXX  per violation under the FDCPA are warranted.
Product: Student loan

XX/XX/XXXX Sallie Mae was contacted in efforts to qualify for fixed rate repayment. Borrower and co-signer were both told there are no options and the only way to receive help was to default on loan. 
XX/XX/XXXX XXXX to this date, Sallie Mae was contacted multiple times in effort to remove co-signer and was told they could not be removed until loan was paid off. In this date borrower entered forbearance due to job loss during Covid. 

XX/XX/XXXX Sallie Mae was contacted for repayment assistance options, at this time representative stated co-signer could be removed from loan after consistent 12 month payments, this further proves previous Sallie Mae agent blatantly lied about co signer removal process. Outside of co-signer relayed information, no other options offered. 

XX/XX/XXXX I received an harassing amount ( 3-4 a day ) of emails about a past due payment, despite it being 2-3 days late but within time-limit before default. I spoke with XXXX representatives but was mislead that I could be provided a list of repayment options I may qualify for based on three questions. Instead I was transferred multiple times, asked invasive questions without prior knowledge just be told I need my cosigner to answer same and questions and a credit check before I could be told anything. Unfortunately, this isnt the first time XXXX or my co-signer have been misled when asking for help from lender. Despite financial changes, they provide no actual assistance to adapt with repayment. They continue to send harassing amounts of emails and phone calls despite their knowledge of their consumers struggling with outrageous loan rates and non existent repayment assistance.
Product: Checking or savings account

Chime, the XXXX bank closed my account without notifying me. Although most banks will send you mail or email notifying you that they closed the account. After speaking with them because i do think it is a mistake After speaking with them for hours talking to different people Nobody could tell me why or how my account got closed. I do not engage in any illegal activities so I know nothing fraudulent was done. However chime is my main bank account been with them well over 2 years I pay all my bills through my chime so it has been a huge inconvenience because I was logging in to actually pay some bills then seen the account was closed so now those bills are behind and has hit my credit already and will Be behind even more waiting on the check I am in the process of getting a new bank account with someone else so I can get my check direct deposited into that account but I wont get paid till next Friday so now I am broke & struggling with bills right now because of my own banking company
Product: Mortgage

Seeing my FICO score on XXXX 's free scoring model was XXXX ( list " as of XXXX XXXX '' ) last weekend ( on XXXX XXXX ), so I called to apply for a refinance. 
The bank ran my credit ( thus reducing my score perhaps a little. ) They ( State Farm Bank ) quoted a score of approx XXXX. 
I asked where they got the score. They said it was from all XXXX bureaus, and gave me scores of XXXX, XXXX & XXXX. 
I called XXXX today and they could n't help to explain the discrepancy. 
Their online number had been updated to a new date w/a lower XXXX of XXXX -- still close to the first one. 
They referred me to XXXX 's Credit Bureau desk ( in XXXX? ). 
There they said they could n't help, and told me to call the bureaus. 
I called XXXX, circled through a few desks where they read their scripts, none of which offered any increased understanding or insight.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  property show on there only statements that I over paid, my is rent is XXXX an month. Section 8 pay XXXX an month and I pay XXXX an month. According the statement issue by Colonly on XX/XX/XXXX Section 8 was paid up to XXXX of XXXX and I already paid for the month of XX/XX/XXXX and Partial of XX/XX/XXXX, so I dont understand where and why this report was made. This report was credit bureaus. Please look into this information
Product: Credit reporting, credit repair services, or other personal consumer reports

File a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive a response.
Product: Payday loan, title loan, or personal loan

I am being charged 548.4948  % interest on a {$1000.00} loan. I learned only after accepting the loan agreement that this was an illegal practice in my state of Ohio and that the maximum interest rate allowed is 28 %.
Product: Mortgage

The following information was taken by me ( XXXX XXXX XXXX ) : 1. Bank of America sent me a Reinstatement Calculation stating my loan was in foreclosure on XX/XX/XXXX requesting that I pay XXXX by XX/XX/XXXX. 

2. My action - I submitted a cashier 's check via XXXX XXXX  on XX/XX/XXXX in the amount of XXXX with a return receipt. I called on XX/XX/XXXX and XX/XX/XXXX, and I was assured my loan was caught up to date and would not go into foreclosure status. 

3. Bank of America served me foreclosure notice on Wednesday, XX/XX/XXXX and now my records of foreclosure are public and I am a XXXX Employee. 

4. My action - I contacted Bank of America for a fax to my employer to state that my bill was paid up to date. As of XX/XX/XXXX, I still have not received the fax after speaking to 4 customer service representatives with a call log of 2.75 hours attempting to get this issue resolved. To date, my information will be posted public and not to mention the humiliation I suffered and am still suffering at work. No FAX as of yet ( XX/XX/XXXX ) 5. An apology from the company.
Product: Credit reporting

My current complaint is compounded : complaints # XXXX and # XXXX ; as Trans Union responded XXXX by sending ME a " corrected '' credit report and credit score of XXXX ( reflecting the near-accurate credit utilization adjustment to 10 % ), they have not officially updated the score as XXXX XXXX reports a much lower score as of XXXX. So, there are XXXX different Advantage scores? Who 's kidding who ( supportive docs attached )? 

This is what I was talking about when I said if these credit reporting agencies were hit with {$1000.00}. fines every time they even tried to skirt around compliance, they would quickly adjust their behavior. They are simply INVENTING variations of the same product to sell ( or give ) to anyone who 's willing to go along with the concepts!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy. 
XXXX ) Dept of EDXXXX - {$20000.00} XXXX ) XXXX  - {$1000.00} XXXX ) XXXX XXXX {$750.00} XXXX ) Dept of EDXXXX XXXX {$24000.00} XXXX ) Dept of ED/XXXX XXXX {$23000.00} XXXX ) Dept of EDXXXX - {$22000.00} XXXX ) Dept of ED/XXXX XXXX {$21000.00} XXXX ) Dept of ED/XXXX - {$13000.00} XXXX ) Dept of ED/XXXX - {$7500.00} XXXX ) Dept of EDXXXX - {$6600.00} XXXX ) Dept of EDXXXX - {$6100.00} XXXX XXXX Dept of EDXXXX - {$5000.00} XXXX ) Dept of EDXXXX - {$3500.00} XXXX ) Dept of ED/XXXX XXXX XXXX$3200.00} XXXX ) Dept of EDXXXX - {$3100.00} XXXX ) Dept of ED/XXXX XXXX {$2100.00} XXXX ) Dept of EDXXXX  - {$2000.00} XXXX ) Dept of ED/XXXX XXXX XXXX$1400.00} XXXX ) Dept of XXXX - {$1100.00} XXXX ) Dept of EDXXXX - {$1000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX ) XXXX Acct # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX ) XXXX Acct # XXXX XXXX ) XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX XXXX  Acct # XXXX XXXX U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C, 1681 Section 604 A. Section 2. It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX, XXXX XXXX & XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Im accordance whit the Fair Credit Reporting act 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 instruction.
Product: Debt collection

On XX/XX/XXXX I conducted a credit check on myself and was made aware that I had a XXXX XXXX card account in my name so I had no idea about it was active since XX/XX/XXXX I immediately filed an identity theft report with the FTC and sent this report to all corresponding agencies who report credit it was not removed from my XXXX or Trans Union reports my XXXX report removed it right away. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER58 RIGHT TO PRIVACY PURSUANT TO USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 .
Product: Student loan

I began my full-time XXXX school program for my XXXX in late XXXX XX/XX/2009. All of my undergraduate loans except my NJ Class loans were automatically deferred due to me being a full-time student. When I called NJ Class to ask why they were still sending me bills, they said they would not automatically defer my loans and that I had to send them paperwork. I filled out the paperwork and sent it in. It took them until XXXX to actually put the deferral through. I did not pay in XXXX and XXXX XX/XX/2009 because I was a full-time student and did not have the money to pay. They marked my account delinquent, even though I sent them the paperwork to have my loans deferred. They must have taken forever to open up and process the paperwork I mailed in. They used to do the same thing to me when I mailed them checks. When I called them to work it out no one ever answered. If you do a search for NJ Class/XXXX on XXXX it becomes very clear there is something not right with their organization. 

I disputed this delinquency with XXXX I provided the necessary paperwork to prove I was a full-time student in XXXX and XXXX XX/XX/2009. They responded back that they checked with NJ Class and the delinquency was not an error. I do n't understand why they are taking NJ Class 's word for it when I have proof that I was a full-time student who was eligible for deferred status. 

If this delinquency is not removed, I will have a lower credit score than I should for two more years. I am in my XXXX and I would like to buy a home and start a family. I would also like to refinance my student loans. NJ Class 's error is going to keep costing me money in the form of higher interest rates on loans from my less-than-perfect credit score. This is the only delinquency in my credit report. I have other student loans and credit cards, and perfect payment records with all of them.
Product: Debt collection

This debt is for a table that I purchased. When I received the item, the table was missing the legs. Multiple times, I attempted to return it, the company said they would pick it up but never did. Flash forward some time later, the payments were past due because they didnt retrieve the item and it wasnt what I ordered ( this was online and not from a store ) so they started calling me threatening that they will damage my credit and or take legal action against me. I again offered that they pick the item up as they had agreed to sometime before and they still never did.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Checking or savings account

I am the beneficiary of a checking account at PNC Bank. The account holder is deceased and I have submitted official documentation of their XXXX to PNC. 
PNC has not responded to me. Please advise.
Product: Vehicle loan or lease

Ford Motor Company reported my account to XXXX XXXX XXXX XXXX for debt collection. Before this happened, I attempted to work with Ford Motor Company several times over the past few months on how to resolve this balance while I am on a restricted income, as I explained to the agent, XXXX. XXXX refused to provide any financial assistance or flexibility in repayment options. She denied all offers I gave and said they could only collect the amount in full. 

On XX/XX/23, I received an offer letter from Ford Motor Company, dated XX/XX/23. This letter said I could resolve my debt with them for {$380.00} of the original {$630.00} if I sent payment within 15 days. I responded to their offer, again explaining my financial situation and that the best I could offer to pay off the balance and close the account was {$300.00}. I included a check for {$300.00}, dated XX/XX/23. Ford Motor Company received my letter and check and cashed the check on XX/XX/23. At this time, I assumed my account was in good standing since they accepted my payment. 

After finding out my account was sent to XXXX, I called a Ford representative ( named XXXX ) to ask why I was sent to a credit bureau after submitting payment and she said that my payment was not received within the 15 day time period they offered, which is incorrect, as they received and accepted the payment within that time frame. She said there is nothing further that can be done for my account because it had been transferred to a debt collection agency. I have been attempting to contact XXXX via phone as well as e-mail since being told of the transfer, but XXXX will not respond to any of my inquires. 

I am requesting that this debt be investigated because I made my best efforts to resolve this debt with Ford and by accepting my check, it should not have been forwarded on to a credit bureau. Attached, please find a copy of the attached check as
well as my bank statement showing that the check was indeed cashed by Ford ( other personal information has been removed from this document ). Unfortunately, because I sent the offer letter back with the check, I do not have a copy of the original letter. When I called Ford for a copy of it today, she ( XXXX ) refused to provide it. 

Please let me know if you need any further information from me to investigate this matter. I look forward to hearing back regarding the outcome. 

Kind regards, XXXX XXXX
Product: Debt collection

I am being repeatedly called by Comenity Bank over a credit card that I am currently paying off. I am being called multiple times a day and they always call from an unknown number and only identify themselves as Comenity Bank after I answer. As of today I have been called 4 times. Once every 2 hours from an unknown number. When they call I sternly say this is harassment and before I can say anything else they hang up. They have gone so far as to call me after XXXX and on sundays.
Product: Credit reporting or other personal consumer reports

XXXX. CRA Failed to follow reasonable procedures for ensuring accuracy of the consumer 's information. 15 USC 1681 e ( b ) 2. CRA Failed to properly investigate or reinvestigate a consumer 's dispute 15 USC 1681i ( a ) ( 1 ) ( A ), and 15 USC 1681S-2 ( b ) 3. CRA Issued or obtained a consumer report for an impermissible purpose 15 USC 1681 b, invasion of privacy. 
XXXX. CRA Failed to acknowledge15 USC 1666 B failing to disclose requested documentation 5. CRA Failed to acknowledge the Exclusion section of 15 USC 1681 a 2 which states that transactions and experiences shall not be reported which are late-payments and hard inquires 6. Under the Fair Credit Reporting Act and according to the recent notices of changes in the Laws, Statutes, and Federal Court Rulings, Congress determined that delinquent child support payments, judgments, liens, and fines do not arise from a credit transaction and therefore shall not be reported on a consumer 's credit report. see attached TransUnion 's letter acknowledging the new XXXX, CRA failed to remove the inaccurate reporting of child support to my credit report ignoring the law. Please see Attached " Description of Incident ''
Product: Credit reporting or other personal consumer reports

I am writing to formally address and rectify inaccuracies in my credit file as reported by your agency. It has come to my attention that there are discrepancies in the information provided by XXXX, XXXX, and XXXX regarding my revolving accounts, specifically pertaining to my XXXX XXXX account. 

Upon thorough examination of the provided breakdown, it is evident that there are inconsistencies in the reporting of crucial details such as account status, payment history, and derogatory remarks. The discrepancies are outlined below : XXXX XXXX Account Information : Account Number : XXXX High Balance : {$880.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$880.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt ; Dispute resolved; reported by grantor Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : -- Past Due Amount : {$880.00} Account Type : Credit Card Payment Frequency : -- Credit Limit : {$600.00} XXXX : The account is incorrectly listed as derogatory and charged off, with discrepancies in the payment status and creditor remarks. 
XXXX : No information is provided regarding this account. 
XXXX : The account is incorrectly listed as derogatory and charged off, with discrepancies in the closed date and payment status. 
Payment History : XXXX and XXXX do not report any payment history, while XXXX erroneously lists numerous consecutive months as CO ( Chargeoff ) without providing a comprehensive explanation. 
Days Late - XXXX Year History : There are discrepancies in the number of days late reported by each bureau, indicating inconsistencies in the reporting of payment delinquencies.

These inaccuracies are profoundly concerning as they significantly impact my creditworthiness and financial reputation. I demand immediate action to rectify these errors and ensure that my credit report accurately reflects my financial standing.

I hereby request that you : Conduct a thorough investigation into the discrepancies outlined above.

Correct the inaccuracies in my credit report promptly.

Provide written confirmation once the corrections have been made.

Take necessary measures to prevent similar errors from occurring in the future.

Please note that failure to address these concerns in a timely and satisfactory manner may result in further escalation of this matter, including legal action.

I expect a prompt response within [ state a reasonable timeframe, e.g., XXXX  days ] from the date of this letter. You may reach me at the contact information provided above.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I did not receive my {$200.00} bonus for setting up a direct deposit of {$1000.00} within 90 days. I have attached the promotion.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year> BILL WAS DELAYED IN PAYMENT DUE TO A DISPUTE WITH A PURCHASE THAT MONTH. WE WERE TOLD IT WOULD BE ADJUSTED AND IT WAS DELAYED IN BEING ADJUSTED SO IT APPEARED TO BE 30 DAYS LATE IN ERROR Please, make this month appear OK, as all other months show XXXX XX/XX/year> XXXX