23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was approved for a loan by Sallie Mae on XX/XX/XXXX, the same day my mother, who reluctantly agreed to co-sign, passed away. This approval came shortly after enrollment in the XXXX XXXX XXXX XXXX XXXX XXXX which promised employment opportunities through partnerships with various companiesa key factor in our decision to secure the loan. 

Upon starting the program in XXXX, it became evident that the promised job placement assistance was overstated. Instead of facilitating employment through partnerships, the program shifted focus to enhancing resumes for XXXX XXXX XXXX XXXX This approach proved ineffective, particularly for those with limited job experience, leading to significant attrition among my peers. Despite these challenges, and the personal hardship of my father 's subsequent death from XXXX XXXX, I excelled academically within the program. However, the skills that most contributed to my success were self-taught, rather than a result of the curriculum, which was plagued by disorganization and technical issues. 

My attempts to discuss repayment or dispute the loan with Sallie Mae on XX/XX/2024, were redirected back to the school, with only a temporary payment pause offered as a solution. Given the circumstancesmisrepresentation of the program 's benefits, the devastating impact of my parents ' deaths, and the financial burden of a loan predicated on these factorsI seek to dispute the loan. My aim is not to evade financial responsibility but to rectify a commitment made under false pretenses and during a period of vulnerability. 

I request a thorough review of my case, hoping for a resolution that acknowledges the disparity between the program 's promises and its delivery. Ideally, this would involve loan forgiveness or significant modification, allowing me to pursue more reliable educational opportunities.
Product: Debt collection

On XX/XX/XXXX my daughter, XXXX, who was. a XXXX  at the time, received a notice from LJ Ross & Associates for a medical bill. I contacted them to correct the information and put me, her parent, as the guarantor and was provided the details of the expense. There should not be any collection account on her credit report as the debt is not owed by her. I agreed to pay the bill to them and provided my debit card information. They were to take three payments, one per month, of {$72.00} starting on XX/XX/XXXX. They deducted payments and I assumed this was resolved. 

Today, XX/XX/XXXX, I received a call from LJ Ross & associates. They spoke to my daughter and told her that since she is the patient she owes the money but they could not confirm what or when the services were rendered ; only that she owes it because she is the patient. That is incorrect. I contacted the provider who was unable to locate any record of her or me with a balance due. Upon further investigation I was able to find my own documentation regarding this arrangement. 

LJ Ross & Associates was made aware nearly two years ago and confirmed that this debt is not owed by my daughter. They agreed to a payment plan with my banking information to take monthly payments. and corrected the error to ensure that the debt is in my name. 

Today this call came to my daughter with an emphatic agent insisting that my daughter owes the money but could not explain what it was for or when. Further when she was told that the patient, my daughter, is not the guarantor, she stated that she owes the money because she is the patient. That is false. 

Lastly, no letter or phone call indicating that there is anything outstanding owed. She stated that a letter was sent in XXXX of XXXX to the address on the account which had forwarding and neither of us resided in for over a year.
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 USC 1681. 

US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX XXXX, US DEPT OF EDXXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX 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 an 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: Mortgage

I recently closed on a mortgage loan with Wells Fargo on XXXX XXXX. As part of the closing, I was offered a discounted single payment PMI amount and chose to proceed with this payment of {$4700.00}. The representative failed to inform me of all of the possible ways to remove PMI which would include reappriasing the property or refinancing. Witholding this information strictly limited my ability to choose the option that was best suited for me and indirectly led me to choosing an option that was favorable for the firm.
Product: Mortgage

Newrez LLC has shown an overstated outstanding loan balance on my mortgage since they obtained this loan on XX/XX/XXXX. See attached document " CFPB Complaint '' for details.
Product: Money transfer, virtual currency, or money service

Using Zelle the money was send to a different phone number and I didnt get any refunds.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i mailed a certified letter to titan receivables inc to verify a debt of XXXX $ i observed on my credit report. according to the fair credit reporting act they have 30 days to verify my letter or remove it from my credit report. i also mailed a verification letter XX/XX/XXXXin which they did not respond. i would like this collection removed from my credit report because i have not signed any contract with this company also they failed to verify
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Today on XXXX  I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Debt collection

North Carolina Statute of Limitations on Debt Collections If you are living in North Carolina, consumer debt has a statute of limitations of three years. 
The collections on my account dishonor the North Carolina statue of limitations. Requesting removal.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I purchased a sectional from XXXX XXXX in XXXX Ca. I used my debit card to pay for the Item. On the same day my account was comprised by XXXX. On XX/XX/2022 a XXXX transaction of {$2000.00} was deducted from my checking account on XX/XX/XXXX, another transaction was made in the amount of {$2000.00} on XX/XX/2022 a total of 4 more charges were made in the amount {$2000.00} to XXXX. The name of the recipient was lucychurchill dispute. I informed the bank of these fraudulent charges and they reversed the charges but later withdrew the amount back out of my account. On XX/XX/XXXX, more fraudulent charges were allowed to go through to handyman.com in the Amount of {$380.00} and also a amount of {$250.00}. Its quite obvious that my account was comprised but Chase continued to allow these charges to go through. I never authorized these transactions.
Product: Mortgage

Our mortgage was sold by Bayview to   XXXX   XXXX  . Bayview has sloppy accounting and does not apply our payments. Since the loan was sold we are having increasing problems with payments not being applied and money over the due amount suspended and held instead of being applied to our principle.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd attempt trying to get Experian to fix errors on my report, they have failed to validate the debt at my request and how they are reporting information on me, and it is damaging my character, and they continue to report these errors. They have not supplied how they validated the debts in dispute, and they have not provided proof, receipt copies, or letter copies but only a computer-generated confirmation by mail.

Again please provide : 1. The names and business addresses of everyone with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers of information.

3. The method of communication you used to verify the information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my consumer report. It has come to my attention that your agency is reporting information on my consumer report without my consent, thereby failing to apply maximum accuracy in accordance with your vital role in assembling and evaluating consumer credit information as stipulated in 15 U.S.C. 1681 ( a ) ( 3 ).

Furthermore, I am aware that your company policy requires you to maintain written consent from me, the consumer, authorizing you to report any account on my consumer report. Federal law under 15 U.S.C. 1681b requires that you must have either court jurisdiction or a handwritten letter from me giving you permissible purpose to report such information. Your failure to adhere to these requirements constitutes a violation of my privacy.

Additionally, as a financial institution, you are obligated to uphold maximum privacy of my nonpublic personal information pursuant to 15 U.S.C. 6801 ( a ), which states that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Moreover, I demand that your agency immediately cease and desist all illegal activities and all mediums of communication related to the collection of this alleged debt. Your persistent attempts to contact me at inconvenient times have caused significant disruption and damages, affecting my business hours of operation. I am fully aware that a medium of communication also includes my consumer report, and I demand the deletion of the account reported on my consumer report.

I demand that your agency promptly investigate this matter and remove the inaccurate information from my consumer report. Please provide me with a written response detailing the actions you have taken to rectify this situation within 30 days of receipt of this letter. 
Failure to comply with these demands will leave me no choice but to pursue all available legal remedies to protect my rights and seek compensation for the damages caused by your actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

reviewing my file alot of invalid information is hurting my file. interested in disputing all incorrect information only credit report with transunion. please review all data to correct the following.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have filed 3 disputes just this year with XXXX, and 2 disputes with Transunion and XXXX, about XXXX XXXX XXXX. XXXX has not validated this account with me ; I have sent them 2 certified letters and 1 fax with no response so how could this account be validate with any of the credit bureaus. On XX/XX/XXXX I sent a fax to all 3 credit bureaus only to receive an e-oscar response 10 days later stating that anything reported on my credit will stay 7-10 years. Then I sent a second letter to XXXX on XX/XX/XXXX on with the same response 10 days later. The fact that I received a response in 10 days after they received my letter and fax, one can assume that there was no investigation. I have not heard from Transunion or XXXX and its well past the 30 period. I am submitting this complaint for XXXX due to lack of investigation into my original dispute and to Transunion and XXXX for not responding within the 30 day time frame. This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek redress appropriate for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX repeatedly and deliberately put profits ahead of its borrowers it engaged in deceptive and abusive practices, targeted students who it knew would struggle to pay loans back, and placed an unfair burden on people trying to improve their lives through education Under 15 US Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft.

Under 15 US Code 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation any credit transaction supposed to be excluded from a consumer credit report, if a social security card was used in the transaction.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns 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 investigate my claims adequately. They informed me that recovering lost funds as impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but they have allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and rises serious concerns about consumer safety.
Product: Credit card

A Care Credit card issued by Synchrony Bank with a promotion involved. My discussions with their employees have been many. On XX/XX/XXXX it was agreed balance should be corrected to {$7700.00}. It was to be done in 72 hrs and reflected within the next 1 or 2 statements. The biggest problem is a customer has to re-exlplain the situation everytime. They do not assign a case # to reference. They will not email or mail a confirmation of discussion and agreement. There is no means to re-connect with the same agent. They claim they cant call or return a call. It is the WORST company for customer service. They rely on notes entered in the customer sccount which have to be reviewed on each call. I have been paying approx {$500.00} per month since the XXXX agreement and my balance is at {$11000.00}. It is ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX  Account Number : XXXX Balance : {$0.00} Dates of late : XX/XX/XXXX, XXXX, XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Balance : {$220.00} Dates of late : XXXX, XXXX, XX/XX/XXXX This is a formal complaint against Equifax. I have paid for this on time during those months. The credit bureaus could not have validated and investigated every piece of information to make sure this is correct and that the payment history is reporting the right information. If the late payments are not reported 100 percent accurate, please remove them from this account and update the account as paid as agreed.
Product: Mortgage

We submitted a short sale offer for review on XXXX/XXXX/2015. The file has XXXX as the investor, and the offer was also submitted to them through XXXX. We were never advised until we called several weeks later that the file was declined by Wells Fargo on XXXX/XXXX/2015. They refused to open the file for short sale review despite XXXX telling us they had not right to negotiate the file. After multiple calls we were able to have file re-opened. All along we advised our concern was the pending sale date of XXXX/XXXX/2015. We are not being advised by Wells Fargo the offer was declined although XXXX never acknowledged they received the file from them or countering our offer to provide an opportunity to get the short sale approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint of non-compliance against the following collection companies : XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) MONTEREY COLLECTION ( XXXX XXXX ) XXXX ) XXXX This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified returned receipts for record ). 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to XXXX  and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section XXXX ( a ) of the accounts listed on my original letter.
Product: Credit reporting 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 USC 1681.

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 informationisinaccurate.

Please remove these Inquiries from my credit report. 
These inquiriesarelisted : XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year>