23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I applied for a job with XXXX XXXX  XXXX  XXXX i was told by the instructor that i failed the training and was dropped from the program later i get constant threatening phone calls threatening to put it on my credit report that i owe XXXX XXXX dollars for sub par truck driving training on trucks that are not legal to drive on road bad brakes bad tires not safe i never signed any of the debt collections documents or liberty career finance complete forgery lies of employment offer free cdl on the job training complete bait and switch scam and they will not stop calling at all hours threatening legal action
Product: Checking or savings account

I left the XXXX on XX/XX/XXXX after given two weeks notice of my discharge. As soon as I knew that I indicated that by filling out USAA 's transitioning service members resources. On XX/XX/XXXX I received no more income and since there wasn't any time to apply and be approved for normal VA and financial resources that Veterans receive I applied to several other financial assistance programs since and the only resources we ( my family and I ) have received was emergency food stamps as I was denied or received no reply for rent or utilities assistance, so my last option was to withdraw my retirement savings to prevent being sent a nonpayment of rent this month as well as paying for utilities and debts I owe. However, when I received this money and tried to deposit it, it was immediately put on hold and only less than 10 % of the balance was deposited, which I assumed had a {$10000.00} deposit limit. Because of these holds, which when I called today to see if they could remove it, they said they couldn't and wouldn't do anything until the hold was removed which is XX/XX/XXXX, which by then I will be sent nonpayment of rent this month and allow the landlord the option to begin eviction. I will also have more late fees for returned payments. I chose USAA specifically because I thought they would understand and be sympathetic to my situation since USAA only serves service-members and their families but now it feels like our only relationship between us is for debt collection. These holds also prevent me from preparing to move out of our house this month to attend XXXX  school. I can't afford to wait until the XXXX to use my money and because of this I can no longer recommend USAA as The Service-members Bank as my treatment from my transition to civilian life has been a nightmare due to them. I will probably have to go into more debt just to not have my family and I be homeless
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00}, XXXX XXXXXXXX XXXX Balance : {$470.00} XXXX  XXXX XXXX Balance : {$430.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is now listed on my consumer reports as a charge off. It is illegal to post income on my consumer report, and a charge off is considered income by the IRS, and an institution can not report something as both income and debt. I know that a 1099-C had to be filed, and I never received a copy of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$880.00} or XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX Open Date XXXX XXXX, XXXX Balance : {$290.00}.
Product: Debt collection

This agency located at NATIONAL CREDIT SYSTEM XXXX XXXX  XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX. Is refusing to respond to my validation request of providing proof I owe this debt to this agency, signature, license to collect in the state of Florida, signature and address proof this debt is mine, a lot of violation is committed by this agency per Federal Credit Report Commission.
Product: Credit reporting or other personal consumer reports

I've revealed many times now that I've been a victim of identity theft. You must remove/block any items opened without my knowledge, consent, or authority within 4 business days by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023.
Product: Credit card or prepaid card

I have re-applied for a Barclays Bank, L.L. Bean credit card, twice. I was told, that their records indicate I had a previous credit card with Barclays Bank Delaware that experienced charge off, bankruptcy, severe delinquency or other negative performance. In XXXX, I bought a new home that had a large mortgage. At that time I had several open credit cards, with L.L. Bean, XXXX XXXX and XXXX. These companies cancelled their credit cards with me and upon inquiring, I was told because of my current credit status, it was decided they were cancelling my cards with them. I now have a good credit rating. Because I continue to purchase at L.L. Bean, they are trying to promote their credit card and asking everyone to apply when you make a purchase. The notification I am receiving from them states, a credit bureau report was not used making this determination. I have asked them to look at my credit report, which they did but again I received another letter stating, we are unable to approve you for a L.L. Bean card.
Product: Credit card

I contacted Citibank/Home Depot card service in XX/XX/XXXX regarding severe flooding, which was declared a federal disaster # XXXX, in XXXX. This caused me a major hardship as I lost my home and vehicles as well as the indirect effect on my business. The representative, XXXX, advised there would be no problem since it is a federal disaster that policies were in place to assist. There would be no late fees, interest and they would not report any negativity to the credit bureau. I asked if there would be double or triple payments due, as well as would this effect my credit limit/interest rate and she stated no. I made payment in XX/XX/XXXX and contacted the office to make sure that the above was noted and taken care of. The rep, told me that the notes were there but I was billed a late fee and interest and no credits were issued. I requested a manager call back. I made my payments as requested from then until now as agreed. I later received a letter in the mail that my credit limit was being reduced to {$1700.00} from {$3000.00}. My balance is @ {$1400.00} which now takes my bal/credit limit ratio from XXXX % to XXXX % credit used which has tremendously dropped my XXXX credit score. I contacted the credit limit management dept and requested a manager. I was contacted 4 days later with apologies from XXXX XXXX stating they had been very busy. XXXX XXXX listened and advised that she understood but nothing she could do. I then requested her manager. She advised she would forward my request. Once again, I waited and just received a call back after 3 days from XXXX. XXXX advised the same as above. I requested her manager. She did get her manager, XXXX id : XXXX in XXXX, on line. XXXX very abruptly stated that everything I had been told was correct and no changes would be made even after I advised him of the notes in XX/XX/XXXX and asked if he would research the call. He refused and said the call could not be pulled and again stated that it does not matter what I was told or what was noted he would not honor the agreement. He further refused to address the confirmation from XXXX updates and that no other negative reporting/entries exist. This is not only unfair and dishonest business practices but is also very disheartening given the massive loss as well as the effort put in to avoid this very stressful situation. Citibank/Home Depot has used a federally declared natural disaster to betray its already disenfranchised customers by allowing insensitive, inhumane, and egotistical people who lack compassion to run its business. I am deeply saddened and wish that I no longer had to do any business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX
Product: Mortgage

My husband and I make our mortgage payment every month, the payment is always made within the grace period. For the last two months we have been receiving a " delinquency '' notice. Did n't take the first one too seriously since the payment was made but since we got one this past month for our   XXXX   payment as well I called LoanCare to see what 's going on. The representative was very rude. Put me on mute when I was questioning the situation and said that I have no late charges if I have access to my account I can see this. I also work for a sub-servicer so I am familiar when notices are sent to borrowers. If a loan is not delinquent, and there are no late charges, how is this in compliance?!
Product: Debt collection

CFR Violations. 
This correspondence is in regard to violations of Coded Federal regulations committed by BARCLAYS. I XXXX XXXX have been made aware of these violations. I am in distress after being made aware of said violations. This knowledge has created many hardships for my estate, as well as striping my comfort and jeopardizing my security. It is inconsolable to learn that BARCLAYS does not operate with integrity. 
This correspondence is also in regard to adverse action committed on. The adverse action offer is here by rejected, a credit/ bank application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). 
These violations consist of but are not limited ; 7 CFR 765.305 Release of Securities 12 CFR 1026.13 Billing Error 12 CFR 226.6 Account opening disclosure 12 CFR 1002.2 Account Definitions 12 CFR 141.5 15 U.S.C. 78j Adverse Action 15 U.S.C 78ff 15 U.S.C 1691 ( a ) ( 3 ) 17 CFR 260.11b-6 18 U.S.C. 241 18 U.S.C. 242 18 U.S.C. 1341, 1343, 1961, 1962, Civil RICO Title 42 U.S.C. 1983 Constitutional Injury, 1985 Conspiracy, 1986 Knowledge and neglect to prevent a U.S. Constitutional wrong. Under Title U.S.C. A.241 Conspriacy case no. XXXX Memorandum of Law 8 violators shall be fined not more than {$10000.00} or imprisoned not more than 10 years or both
Product: Student loan

Performance Slc mislead me on helping me with my student loan and now there trying to take my money.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the address I do not recognize is continued here. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you doing? IT'S IMPOSSIBLE THAT THIS WAS INVESTIGATED - IT'S BEEN ALMOST 6 MONTHS AND XXXX  OR NELNET HAS IGNORED MY DISPUTE AND NEVER ANSWERED BACK. I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't Navient student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Product: Debt collection

I received notifications of bill from the hospital and they agreed to accept monthly payments. Then the hospital turned my account over to Professional Credit Management. I contacted them and they agreed I could make monthly payments. I was told I would not receive any billing statements or phone calls to attempt the debt owed. 
I tried to call the hospital and they had no information on the company to contact. So I patiently waited for some kind of contact or post from them. I didn't know who to pay much less where to send it. My account has a guarantor on it and at first the bill was in his name and then they put it in mine.I am covered by my parent 's insurance although I am of legal age. Initially they spoke with the guarantor, but then refused shortly there after. On or around XX/XX/XXXX and again on or around XX/XX/XXXX, and other multiple dates, attempts were made to contact them. I actually received a post in the mail of a facsimile copy of their bill marked in red " Collection '' .Even the envelope could be mistaken for " junk mail ''. Immediately I paid the account balance in full in XX/XX/XXXX. This collection marked my credit reports and I honestly believe, in good faith I was attempting to pay the debt. I understand collection agencies have policies and procedures they must follow, however my credit up to this point was impeccable. I simply ask the collection be removed from all of my credit reports. Thank You!!
Product: Credit card or prepaid card

I have tried to make my credit card payments about 4 times now. I was trying to pay my credit card off in full but my payment was returned to me on 2 occasions. I reached out to the Avant customer service and they advised they only take credit card payments on the XXXX of the month. It didnt make much sense for them to to my take payments on the first but I agreed and asked them to schedule a payment for me. When payment time came I got another message saying my payment did not go through though there are funds in the account I tried to pay with. I have other credit cards Ive no problem paying but this one never seems to take my payments.
Product: Mortgage

I have contacted politicians about this issue. No one wants to touch it because the national association XXXX XXXX is a big pac. 
I would like appraisers not to include real estate commissions and bank fees when they use sales comparables for determining the value of a house for sale that is then used for underwriting. Sales commissions and loan fees add XXXX value to a home. They are not a new roof for new sewer line, yet routinely 6 % of the amount shown as what a property sold for recently is included in the " value '' of a house. The appraisers are supposed to be independent of agents and mortgage brokers, but they often are members of XXXX. XXXX has a conflicting interest to keep their commissions included in the value of homes sold because it means real estate prices are driven up in those locales by six percent, more money for them. Since people buy and sell houses after only a few years, the appraised values of homes are being inflated by 12+ percent above market forces. I personally consider this price fixing. The Real estate roundtable lobbies for this issue to the extreme detriment of consumers. This issue is making the housing crisis worse. It may not seem like a lot but a house overvalued by 6 percent is {$30000.00} on a typical {$500000.00} home. That money should not be part of the appraised value. I'm home shopping and disgusted by this practice. It's industry standard so my complaint is against all appraisers, all mortgage lenders, and all real estate agents.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit that highlighted significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial situation and Zelle failed to adequately investigate my claims. I was informed that recouping lost funds was impossible and that tracking these transactions was not possible. It is expected that the CFPB 's findings will indicate that Zelle has not only targeted protext consumers, but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. Consumer safety is at risk due to the lack of accountability and transparency.
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. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also stated a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c/ ( a ) ( 5 ) Section States : no consuming 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

Transunion/ Equifax has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit reporting, leaving Inaccurate or unverifiable accounts resolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Transunion/Equifax , alleging systemic issues such as failing to forward consumer -provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion/Equifax has neither Corrected nor removed disputed accounts, as Transunions/ Equifaxs inaction violates federal law and my rights as a consumer
Product: Money transfer, virtual currency, or money service

On Saturday XX/XX/2021, I sent various payments to a person which I thought was a legitimate provider of a service. Upon paying {$550.00} XXXX in various increments, this person then cut off all contact with me and blocked my number. I then tried to contact the bank and was later told my claim was refused because they had said even though it was a scam, it went through successfully according to how I decided to send the money. They then told me I can do nothing more except look over documents saying why my claims were refused. I have been completely honest with my bank and yet they still tell me that there is nothing that can be done to get back my hard earned money in the event of a fraud/scam.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX # XXXX XXXX XXXX XXXX On XX/XX/year> I requested an investigation into this account. I'm in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. These inaccuracies are highly injurious to my credit profile.
Product: Debt collection

Leased a XXXX XXXX XXXX XXXX through GM Financial XX/XX/XXXX. The term of the lease was 36 months. At the lease termination the car was returned to a GM dealer as we were instructed. The return was made at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX on XX/XX/XXXX. This date was well within the grace period for return. GM Financial has sent an end of lease bill which includes a past due amount, late fees and taxes for allegedly not returning the vehicle. We have made numerous requests via US mail, telephone and email to correct this matter to no avail. We have also sent several requests for verification of this debt.GM has reported this matter to the credit bureaus which has negatively affected our credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Terminate all contracts for violations of the Fair Credit Reporting Act ( hereafter the ( hereafter the " FCRA '' ), 15 USC 1681 et seq., as amended. 

The reporting of such inaccurate information has cause damage to my character my reputation my general mode of living and my ability to obtain credit for personal and household purposes you And your inaccurate reporting have damaged my livelihood.
Product: Credit reporting or other personal consumer reports

Ok I am resubmitting my dispute regarding Capital One account # XXXX. Despite providing my driver 's license, Social Security card, and proof of address, you have not verified the alleged late payment historywhich is clearly inaccurate given my impeccable records. This failure to verify violates 15 U.S.C. 1681i, as supported by XXXX v. TransUnion LLC ( XXXX XXXX XXXX XXXX, XXXX  ). I demand immediate deletion of all erroneous late payment marks. Failure to comply will force me to pursue statutory damages and further legal action.