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

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts : Creditor :XX/XX/XXXXAccount : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX Account : XXXX Creditor : XX/XX/XXXXAccount : XXXX Creditor : XXXX XXXX Account : XXXX Creditor :XX/XX/XXXX Account : XXXX Creditor : XX/XX/XXXXAccount : XXXX Creditor :XX/XX/XXXXAccount : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XX/XX/XXXXAccount : XXXX Creditor : XX/XX/XXXX XXXX XX/XX/XXXXAccount : XXXX Creditor : DEPT OF TREASU Account : XXXX Creditor : XXXX XX/XX/XXXX Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice.
Product: Credit card or prepaid card

On XX/XX/XXXX three VISA prepaid gift cards ( The Visa Gift Card is issued by XXXX XXXX XXXX XXXX pursuant to a license from Visa U.S.A., Inc. ) were purchased from XXXX XXXX XXXX XXXX, each with a gift value of {$120.00}. I was presented one of these cards, as were two other friends, as a gift. Prior to any of us being able to use the cards, we found out that the three cards had been fraudulently used. I found this out when I attempted to register the card at XX/XX/XXXX and was not able to do so. I found out that the card had been used for {$110.00} on XX/XX/19 and on XX/XX/19 for {$5.00}. 

I first attempted to register my card on XX/XX/XXXX. When I called customer service per the instructions on the website, I was told to fax ( not email ) copies of the original gift receipt, the front and back of the prepaid gift card, and my ID ( including enlarging the materials 200 % and lightening them for the fax ). Which I did on XX/XX/19, and the facsimile machine confirmed receipt. After not hearing from the VISA prepaid gift card company, I called on XX/XX/19 only to be told they never received the fax. So I re-faxed everything again on XX/XX/19 ( again receiving a confirmed fax report ). After again not receiving any response, I called the company yet again on XX/XX/19, the company told me the copy of the original receipt was not clear enough and to-refax it yet again. On XX/XX/19, after not hearing anything from the company I called yet again ... this time they told me the copy of my ID was not light enough and to refax it yet again. 

This is worse than the thief who stole the money off the cards in the first place. For that matter, I'm beginning to think the whole thing is a scam. I mean, it's 2019, who doesn't allow you to EMAIL documents in! Relying on a fax?!?!? And not calling me ( even though every time I included my phone number on the faxed messages ) despite the multiple iterations of faxing the materials?? These guys are just making it impossible to get the money that rightly should be refunded and put back on the card!! VISA XXXX is a horrible business!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on to LexisNexis on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, LexisNexis said they completed the investigation, and everything was 100 % accurate. 

According to 15 U.S. Code 1681a - Definitions ; rules of construction- ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to. How did they complete this investigation. 

On XX/XX/XXXX, I mailed a letter to the United States Bankruptcy Court, Middle District of Florida. Im confused because I received a letter from the United States Bankruptcy Court, and they specifically stated that they DO NOT report any information to consumer reporting agencies. Since its clear the Bankruptcy Court does not report to any credit reporting agency in this matter ; therefore, LexisNexis response to verifying the item with the court was either an ERROR or LIE. Either way, the reporting requirements do not comply with the FCRA 611. 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, the information must be Deleted Immediately!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a letter from an attorney 's office, stating that my Bank of America credit card had been charged off and they were taking it over. I called Bank of America to ask about why the card had been charged off since I hadn't gotten a bill, notice, or statement in quite a while. Bank of America told me that I had a " cease and desist '' placed on my account, which prohibited them from sending anything to me. To be crystal clear, I never asked for, authorized, or approved a cease and desist to be placed on my account. I opened a dispute with the credit bureaus, and Bank of America did nothing to change the status or work with me to try and fix this issue. Had the cease and desist never been placed on my account, I would have received bills, statements, and notices ; then I never would have gotten this far behind in payment. But the cease and desist put my account in very bad standing, thus affecting both my credit history and derogatory remarks, among other aspects of my report. Bank of America was unwilling to resolve this when I called as well, and the woman I spoke to saw nothing in the notes stating that a cease and desist was requested by me ( since it wasn't ). I have written to the attorney 's office that Bank of America charged my account off to, and have not heard a response from them either. Further, I have opened a complaint with the Better Business Bureau ; they have opened the complaint with Bank of America, but Bank of America has not responded to them about this either. Bank of America is clearly dodging the subject and trying to show me as solely responsible, but again, I did NOT request, authorize, or approve a cease and desist being placed on my account.
Product: Money transfer, virtual currency, or money service

I have used Zelle in multiple capacities without fully knowing the rights and options for sending/receiving money more securely. The inconveniences and fees associated with having to use alternative options are too numerous to list.
Product: Money transfer, virtual currency, or money service

I was a account holder at chime and they suddenly closed the account with XXXX in there that I havent been able to access in months and I cant talk to anyone or check refund status of check on closed account and no one will help
Product: Student loan

I am a co-signer for my Daughters school loan. I have XXXX loans. She has been XXXX. I have informed Navient in the past that she was XXXX and that the max she could pay them was {$150.00}. It seems that they never document her account because I have had this discussion EVERY month for the last 8 months. 
I received no phone call or direct mail to inform me that a payment had not been made. 
I called to discuss that as the co-signer was not properly notified. I would bring my account up to date. That because I was not properly notified as the co-signer I request that they remove the delinquent from my credit. 
I had difficulty with the representative, XXXX XXXX # XXXX. 
1. He does not speak XXXX very well. When I asked for a fluently XXXX speaking representative XXXX was not " available '' 2. I was told XXXX different numbers that needed to be paid. XXXX ( her monthly agreement {$150.00} ). 
total bill of {$670.00} or the total bill of {$940.00}. 
3. He told me he would not remove the late payment ( remember I am the co-signer and I was not properly notified ). I asked for his supervisor. XXXX was not provided. He then told me he COULD remove it from my credit-IF I gave him authorization for auto debt from this point forward. I do n't do auto debt. There have been some complaints filed of Navient messing with peoples bank accounts that I read on line. Another concern was he told me XXXX different numbers that needed to be paid. {$280.00}, {$670.00}, or {$980.00}. The monthly payments are {$150.00} I thought about going ahead and giving him an account number if it meant removing it off of my credit. He told me in another sentence he WOULD NOT be able to remove it from my credit. 

I then got frustrated and pointed out how many times I repeated myself and had to explain things. That he was telling me XXXX different things. The amount owed and his authorization to remove from credit. Also that a supervisor was not available-but I could hear someone in the back ground coaching him? 
The bottom line was I was only able to talk to him-the communication was confusing- I was told to give him my bank account number or he would disconnect the call. 
My call was disconnected ... .... The End
Product: Money transfer, virtual currency, or money service

Greetings, I signed up with PayPal credit to receive XXXX  months same as cash if paid within XXXX  months after purchase of items of {$99.00} or more. I purchased products from companies and individuals on XX/XX/XXXX ( {$2400.00} plus {$69.00} transaction fee XXXX and XX/XX/XXXX ( {$250.00} plus {$7.00} transaction fee ). I paid a service fee for these transactions which I was ok with. At this point, I was expecting to pay for these products using my PayPal credit terms of special finance 6 months same as cash. PayPal sold my terms and contract to Synchrony bank  by the end of XXXX. Synchrony bank changed the terms without my approval and they started charging me interest for the outstanding balance even well before the XXXX   month term has expired. I have read completely the disclaimer from the original PayPal credit terms and conditions. Based on that disclaimer, I am not supposed to start paying interest until XX/XX/XXXX and XXXX, 2019 respectively on effected purchases. This to me is consumer fraud and it needs to be put in check. I have the original terms and conditions, and have tried to resolve this matter with both PayPal and Synchrony bank. They absolutely refuse to act and make this right as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below as violated my federally protected consumer rights to privacy and confidentiality under USC 1681 Account name : TN XXXX OF XXXX XXXX XXXX Account # : XXXX XXXX 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 a writing 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 antedate the report for seven years.

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

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below 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, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 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 for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX
Product: Student loan

I have parent plus loans consolidated from XXXX XXXX XXXX in XXXX XXXX, WI and XXXX XXXX University combined for my XXXX children. When my daughter graduated from XXXX all loans were consolidated into one loan making a huge monthly payment. I have been on an income based repayment plan since 2015. The beginning principal balance of the loan on XX/XX/2015 was {$200000.00}. I have made every monthly payment requirement since then and my loan balance has done nothing but increase due to capitalized interest every year. The current balance is now {$230000.00}. As long as I live, I will never be able to repay this loan. Navient has put me in an unfair, impossible situation I will never recover from. My income will never be enough to support this payment schedule. Navient has told me that as long as I pay for the next 25 years, the loan will be forgiven. I am a parent who decided to help my children and now I will be financially burdened until I am XXXX years old! I do not want foreberance or deferrment, I am willing to pay this debt just not under these impossible terms ....
Product: Mortgage

I had a mortgage with XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX ) closed on XX/XX/21 for the amount of about $ XXXX. Since then I made two payments to them : {$50000.00} on XX/XX/21 due on XX/XX/21 and {$100000.00} on XX/XX/21 due on XX/XX/21. I got statements from them that the payment was accepted and my principal balance is {$650000.00} dated XX/XX/21. 

On XX/XX/21 the mortgage was transferred to Community Loan Servicing LLC XXXX XXXX. XXXX XXXX XXXX, OH XXXX ). But these guys dtate that my principal balance is {$800000.00} and required payment due on XX/XX/21. That is they lost about {$150000.00} principal payments, incorrectly calculated due date, charged interest on higher amount, and charged late fee because I made next payment on XX/XX/21. 

I contacted Community on XX/XX/21, XX/XX/21, and XX/XX/21. Every time they promised to resolve issue in 48 hours.
Product: Debt collection

There is a dispute between the company I work for and another regarding services rendered. I saw emails last month back and forth and responded to one ( per my boss )  asking for receipts. I spoke to XXXX on the phone another time, explained that I did not know much about the dispute but would try to help by forwarding information. On XXXX, I received a call on my personal cell from XXXX XXXX, Debt collector at Hillcrest, Davidson & Assoc L.L.C. XXXX called first from my boss 's # ( XXXX spoofed his caller ID impersonating him with his phone number so I picked up the phone thinking it was my boss ). He started talking about me paying the debt and calling me names. I told him I am an employee of the company, don't make decisions regarding payment, asked how he got my # ( didn't know my last name ) & stated it is illegal to spoof a #. He said he is good at what he does and kept demanding payment. I told him not to call me back as I am a 3rd party and would report him. He immediately texted me from unknown # XXXX with the following texts I am attaching ( I am not sure if he spoofed that # as well ). He was extremely unprofessional and tried to intimidate me. Moreover, it was extremely disturbing that I am not the person/company he is collecting a debt from. 

Company info per the email : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XXXX Direct XXXX Office XXXX www.hillcrestdavidson.com
Product: Prepaid card

I been trying for months to get it fixed and I called them we can't close your account or let you use it till I give them my information online but they keep denying every picture I sent of my ID I also keep getting PayPal paid you so much in my email and go check it and nothing it's really getting old they need to fix there bugs I was hacked in XXXX of last year closed my account and got new cards still haven't been able to use it
Product: Debt collection

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof. 
In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file.
Product: Debt collection

I am writing to vehemently dispute the validity of an account tarnishing my credit report, which I strongly believe is a result of identity theft. I demand that your bureau, in strict adherence to the Fair Credit Reporting Act ( FCRA ), launches an immediate investigation into the authenticity of this claim. I expect a thorough verification under oath for the following : A sworn confirmation that the claimed account is valid, devoid of any claims and defenses, including but not limited to a breach of agreement, failure of consideration, or material alterations ; An oath-assured confirmation that the original lender provided legitimate value in connection with the alleged account ; A sworn guarantee that the alleged account was transferred in good faith and with the explicit consent of all parties involved. Failure to provide, under oath, the necessary information to validate the credibility of the aforementioned account will result in an immediate and unambiguous demand for the removal of this account from my credit report and all related records maintained by your bureau. These are the accounts : XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.