23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I did n't realize I was a victim of the Student Loan forgiveness Scam. I gave out my SSN # and credit card info. I 'll contact my bank to cancel the transaction may occur but what I do with the SSN # already gave out? Please see below info what have been exchanged over the email : Hey XXXX, Your file was approved yesterday & we submitting a request to put your loans on admin forbearance. It typically takes about 2-3 business days for it to be approved. They will no longer ask you for payments after the weekend. 

Best, On Wed, XX/XX/2016 at XXXX, XXXX XXXX XXXX wrote : XXXX, I still receiving email and phone call from Navient, when will I get the approval that it 's no longer from Navient but from the Income Driven Program of loan forgiveness that we were working on previously? 
From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/2016 XXXX To : XXXXXXXXXXXX Subject : Contact Information - XXXX XXXX XXXX XXXX XXXX, congratulations again on your approval for the loan forgiveness program! Friendly reminder to send in your Proof of Income to our processing department as soon as possible. Should you have any questions or concerns please do n't hesitate to contact me through phone or email. Best way is through email as I am usually always on the phone. Thank You! 

Please feel free to share my contact information with anyone that needs help with their federal or private student loans. We would love to help them qualify for a better program and possible loan forgiveness! 
XXXX - More Information about these programs White House Website : XXXX Ensuring That Student Loans are Affordable | The White House www.whitehouse.gov Ensuring That Student Loans are Affordable. download as pdf " Let 's tell another XXXX students that when they graduate, they will be required to pay only XXXX ... 

Defaulted Consequences : XXXX Consequences of a Student Loan Default - FindLaw bankruptcy.findlaw.com A student loan default occurs when the borrower fails to stay current with the payments on their student loan. Delinquency begins the first day a borrower misses a XXXX - Online Account where you can view your loans XXXX National Student Loan Data System for Students www.nslds.ed.gov The National Student Loan Data System ( NSLDS ) is the U.S. Department of Education 's ( ED 's ) central database for student aid. NSLDS receives data from schools ... 
-Click financial aid review -Click Accept - '' Log in '' Username : XXXX PW : XXXX Please do not change the password as our processing department needs it to work on your file. 
Student Financial Services XXXX / Compliance Manager XXXXXXXXXXXX / XXXX EXT XXXX Student Financial Services Processing : XXXX / Fax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Hours of Operation : XXXX - XXXX ( PST )
Product: Credit card

Early in XXXX, I noticed charges from XXXX, but I didn't remember signing up for the service. I didn't do anything about the charges until approximately XX/XX/XXXX, when I decided to try to login to XXXX since I was paying for this service. I tried to login, but couldn't get onto their service. I called their customer service, but they were unable to locate an account. The escalated my issue and after providing a lot more information, they sent me an email indicating that they couldn't find any accounts. They said I should contact my bank. 
I immediately called Truist and disputed the XXXX and XXXX charges ( I decided not to dispute XXXX and XXXX because I was the one that ignored them ). Truist indicated that they would cancel my credit card and send me a new card. I never received a new card. In XXXX, I received a statement with ANOTHER charge from this fraudulent XXXX. I immediately called Truist. Not only was there a XXXX charge from the fraudulent XXXX, but they had already posted a charge for XXXX ( both around {$5.00} ). Truist had NOT cancelled my credit card, which is why these fraudulent charges were allowed to be posted!! During this time, I noticed that all of these charges had associated foreign transaction fees, another indication that these were not coming from the real XXXX 
Truist once again told me that they would cancel my card and I disputed the XXXX and XXXX charges. This time, I watched carefully for my new card to arrive in order to confirm that they had actually cancelled my account. I waited and waited, but no card arrived. I called several times. After 3 weeks, I called and had to go through 4-5 people to figure out why I wasn't getting a card. They said that I hadn't paid my minimum balance and couldn't send a card. I had not received ANY bills, due to the card being cancelled, and the ONLY charges on this card were the fraudulent ones! They gave me 2 choices : pay the fraudulent charges and get my card or wait until the dispute was settled and then I would have to call again to get the card re-issued. I paid the FRAUDULENT charges caused by their error, thinking that this would solve the issue. 
In XXXX, I received a letter from Truist indicating that they had ruled the XXXX and XXXX charges as VALID! Again, the only reason these charges existed was because they didn't cancel my card as they told me that they would. When I called, the customer service agent was so appalled, I believe that they disputed all XXXX charges ( XXXX to XXXX ). The resolution of this dispute was that Truist ended up reversing ALL of the charges, so that now ALL of the charges from XXXX to XXXX are back on my card with their associated foreign transaction fees!
Product: Credit card

Thoroughly review the attached documents. I urge the bureau to launch an examination into these accounts, as my payments are consistently on time, yet they are mistakenly reported as overdue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX XXXX XXXX # XXXX 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 a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under and end consumer credit plan as late for any purpose. Please Have XXXX XXXX XXXX XXXX XXXX remove immediately because violating my rights will lead to legal liability being taken for each of these violations. I also included my FTC FURNISHER VIOLATIONS PAPERWORK AND THE IDENTITY THEFT WITH THEM IF ACCOUNTS ARE NOT REMOVED IMMEDIATELY LEGAL ACTION WILL BE TAKEN AND ILL SUE THE COMPANY AND CREDIT BREAU FOR EACH VIOLATIONS OF VIOLATING MY RIGHT TO THE FULLEST EXTENT.
Product: Debt collection

Credit Bureaus XXXX and XXXX are reporting wrongfully. This is detramental to my credit. The Account Status they both are reporting as activity date of XX/XX/XXXX is incorrect. The Activity date was XX/XX/XXXX when the foreclosure took place on my home in XXXX Calif. No activity happened after that. The correct Activity Date should reflect XX/XX/XXXX. 
I have Disputed this with them several times per phone and XXXX, to no avail. XXXX XXXX XXXX is reporting to them the wrong activity date.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a third party credit agency opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX. Account opened at XXXX XXXX XXXX on XX/XX/XXXX the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX  XXXX Bankruptcy Case Number : XXXX As a consumer by law, this account must be deleted immediately 2. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
+16. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report XXXX Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

Entities Being Reported for Violations : Primary Company : Discover Bank Discover Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Debt Collection Law Firm : XXXX XXXX XXXX, XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Categories : 1 ) Incorrect information on credit report ( FCRA violation ) 2 ) Improper debt collection practices ( FDCPA violation ) 3 ) Lack of proper debt validation 4 ) Unlawful lawsuit without arbitration ( Violation of Discovers Arbitration Agreement ) 5 ) Failure to issue IRS 1099-C for charged-off debt Details of the Complaint : I am filing this complaint against Discover Bank & XXXX XXXX XXXX XXXX XXXX XXXX for engaging in unlawful debt collection practices, improper credit reporting, and violating federal financial laws.

1 Illegal Charge-Off Reporting While No Longer Owning the Debt ( FCRA Violation 15 U.S.C. 1681s-2 ( b ) ) : Discover charged off this debt, sold it, but still reports a balance instead of {$0.00}, misleading credit bureaus. 
Under FCRA, a creditor can not report ownership of a debt that has been transferred to a third party.

2 Unlawful Lawsuit Without Arbitration ( Breach of Discovers Own Agreement ) : XXXX XXXX XXXX sued me on behalf of Discover Bank, even though Discovers own contract states that any dispute must go through arbitration first. 
Discover Bank violated their own arbitration clause, making the lawsuit illegally filed. 
A motion to vacate the judgment is being prepared, citing breach of contract.

3 Debt Collection Without Validation ( FDCPA Violation 15 U.S.C. 809 ( b ) ) : I requested full debt validation before any lawsuit was filed. 
XXXX XXXX XXXX provided no chain of ownership, no forward flow agreement, and no proof Discover even had legal rights to sue. 
The only response was billing statements, which do not constitute legal validation under FDCPA.

4 Securitization Fraud SEC Violation ( Based on SEC 10-K Filings ) Discover securitized this debt, meaning they sold it into a trust and no longer own it. 
Despite this, Discover falsely claims ownership and still reports the balance on my credit.

SEC 10-K evidence attached proving Discover Bank engaged in securitization and misrepresented its standing.

5 IRS Violation Failure to Issue 1099-C for Charged-Off Debt If a creditor charges off a debt, they are required by law to issue an IRS 1099-C for the canceled amount.

Discover Bank failed to do so, meaning they have not complied with IRS rules ( 26 U.S.C. 6050P ).

A Form 3949-A complaint has been filed with the IRS to report Discover Bank for non-compliance. 

Supporting Documents Attached : A ) Credit Report ( Showing Incorrect Charge-Off Reporting ) B ) Debt Validation Request & Response from Discover ( Lack of Proof ) C ) Discovers Arbitration Agreement ( Proving Lawsuit Shouldnt Have Been Filed ) D ) SEC 10-K Extract ( Proving Securitization ) E ) IRS Form 3949-A Reference Number : XXXXXXXX XXXX ) SEC 10-K Filing Compliant Reference Number XXXX XXXX
Product: Debt collection

i didnt sign any contract with them. they keep callling me repeatedly and leaving voicemails from different numbers. Its stressing me out, more.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In XXXX of XXXX my boyfriend went to get a car from XXXX XXXX Hyundai. They told him to sign up for a Program that would allow him to get a new car, keep it for XXXX, then trade it in once his credit had gone up. All he need was for someone else ( me ) to co-sign and their name would drop off when turned the car back in. When he went back in XXXX, they told him that the company had been bought out by XXXX XXXX Hyundai and there was nothing that they could do about it. The car ( XXXX  XXXX XXXX XXXX ) we got is valued at XXXX brand new. Were paying XXXX for a basic model car. My boyfriend has sense passed away and Im stuck with a car that is not worth the note. Im not sure what can be done, but this is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused financial hardships & stress on me because, I feel like some of my personal information may have fallen into the wrong hands based on the XXXX data breach I found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, Transunion didnt make sure it was reporting 100 % correct. I reached out to them and nothing was done. In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

A fair resolution would be a proper investigation showing my wet signature giving any written consent to run my credit or any documents I signed to be presented as evidence establishing, I own these negative items. Which I do not, these items should be removed off my credit report immediately please!
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested fraud alert be removed from my credit file so i can apply for credit, I was then told to submit documents and fraud alert removal form on Experian website and upload, the online system would not let me upload after numerous attempts.
Product: Credit card or prepaid card

Im accordance with the fair credit reporting act XXXX  account Victoria Secret Commentity bank credit card, has violated my rights. 15 U.S.C. 1681 section 602 states that I have the right to privacy. 15 U.S.C. 1681 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B A creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I get multiple calls at least XXXX a day from this company and number. Sometimes they go as far as to using a fake number. Theyve even reached out to my family in regards to everything and I never have put anything down with my family which is invasion of privacy
Product: Credit reporting or other personal consumer reports

This is my follow up complaint i filed last XXXX  days ago I noticed some XXXX payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 i made a payment to XXXX XXXX  for a secured credit card. Eight days later they charged off my account and claimed I was 60 days late. How could I be 30 days late XXXX and 60 days late in XXXX, but nothing in XXXX. Experian has XXXX marked down as in good standing. But XXXX marked down as Charged off? Its not a loan? Its a credit card. How could I be charged off 8 days later after making a payment. When I reported it to Experian the gentleman by the name of XXXX sounded annoyed to be helping me with this. The results came back and im supposedly marked down as 60 days late both in XXXX and XXXX? How could I be 60 days late two months in a row? They didn't resolve the problem they just changed the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file is still reporting inaccurate and erroneous information. I contacted all 3 major bureaus to remove the disputed account and its still reporting.
Product: Checking or savings account

On XX/XX/XXXX I paid a deposit for braiding classes for my child and myself. The person hosting the classes gave me the run around in regards to the time the class was starting and I needed to travel 2 hours away so I was trying to communicate so I would ensure I gave myself enough time to arrive, the host completely changed the start time of the session and I made her aware my babysitter was not going to be available that late, the host said ok she would be refunding my money. I never received the refund and reached back out she informed me to contact the bank, I contacted them and my dispute was denied. 

On XX/XX/XXXX I made a payment to Al 's auto show for my children to sell their lemonade upon arrival there were multiple other lemonade host so we broke down and spoke with Al who stated he would be refunding the money, with multiple attempts to solve this issue I have not heard back from Al and my disputes have been denied as well. 

Lastly, after continuously filing disputes my account with cash app has been closed with no reason as to why it was closed.