23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX for Attempted Collection of Discharged Debt Dear CFPB, I am writing to formally file a complaint against the XXXX  XXXX XXXX XXXX XXXX ( XXXX ) regarding its attempts to collect on a student loan debt that has been legally discharged. 

XXXX. Loan Details : Loan Servicer : XXXX Account Number : XXXX Loan Type : Federal Student Loan XXXX. Discharge of Debt : On XX/XX/XXXX, I XXXX the promissory note associated with the loan through a Form 1099-C ( Cancellation of Debt ), which was properly filed with the Internal Revenue Service ( IRS ). 

XXXX was sent a copy of the 1099-C as required, notifying them of the debt cancellation. 

3. Collection Efforts : Despite this discharge, XXXX has continued to send collection notices and demand payment, in direct violation of my rights as the debt holder and contrary to federal law regarding canceled debt. 

Complaint Details I believe XXXX actions are unlawful and in violation of the following : Fair Debt Collection Practices Act ( FDCPA ) : Prohibiting collection of debts that are no longer valid. 

Consumer protections under IRS regulations : A canceled debt documented by a 1099-C represents the permanent cessation of the obligation.

They also have violated my privacy rights by reporting to the credit bureaus under the Privacy Act of 1974. Under the Fair Credit Reporting Act It is illegal to report transaction history and they have reported all transactions regarding missed payments every month for the last 10 years. Transaction history is also a violation of my privacy ; it is considered non-public information under 15 USC sec 6809 ( 4 ). 

These ongoing collection attempts have caused unnecessary stress and confusion and may constitute harassment.

Requested Action I request the CFPB to : 1. Investigate MoHELAs improper debt collection practices. 

XXXX. Require XXXX to cease all collection efforts on this discharged debt immediately. 

XXXX. Ensure XXXX updates its records to reflect the cancellation of this debt and remove it from my credit report. 

4. Provide any necessary penalties or corrective actions to ensure compliance with federal regulations. Make them pay me for one year of violating my privacy rights and being the reason I was denied credit for the past 10 years.

Supporting Documentation I have attached the following documents for your review : A copy of the 1099-C issued to discharge the debt.

Any collection notices received after the discharge.

Thank you for your attention to this matter. I trust the CFPB will take prompt action to address this issue. Please do not hesitate to contact me if additional information is required. 

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

I have disputed two accounts ( XXXX XXXX and XXXX XXXX ) a few times and Experian has always came back with " verified '' and never sent documents proving their findings. Also, both accounts have been paid off and according to Experian.com, both accounts are still showing " Failed to Pay ''.
Product: Credit reporting or other personal consumer reports

To, Transunion XXXX Department XXXX : Identity fraud victim These credit file or report inquiry was caused by unauthorized use of my social security information and card, to whom it XXXX concern. I did not give my consent for these inquiries to be made in my name, and neither do they pertain to anything I did. All of this is unknown to me. In accordance with 15 U.S. Code 1681c-2, REMOVE this information no later than 4 days after getting this letter. This letter was not sent inadvertently or in mistake. To ensure that this is deleted within the specified time period, your business must adhere to the correct procedures. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX I contacted the 3 credit bureaus and the XXXX XXXX copany to report the incorrect address to indicate that some of the XXXX XXXX did not belong to me but a guy who had the same name as me who attended the university at the same time. Both parties refused to remove the address linking me to that address I asked for wet signature copies of the loans from other companies and was never provided the copies but the items remain on my account. 

I paid items in full as an agreement but it is still showing on my account as a charge off and negative impact
Product: Credit card or prepaid card

Due to COVID-19 The first call in XXXX -- do not have date. They just wished me luck basically and said they understood..offering no assistance. 
I called again right after the Care Act was signed and they gave a number i tried to call and couldn't get through. Called back three times.

2nd Phone call on XX/XX/XXXX. Phone disconnected several time. Kept calling back. 
I spoke with a representative that said they were putting me through a program for COVID and that they would send me a confirmation. They were waving late fees and interest. It was to my understanding nothing would be reported on credit report during this time. Credit Alerts from XXXX  sent me something stating Citi Double Cash flagged my account 60 days past due. I was unable to pay XXXX and XXXX. I tried to call the company. The automatic system said first it didn't recognize my account. Secondly, when I finally got through that it stated due to unforeseen circumstances they were temporary closed. I have all the documentation stating when I spoke to them concerning my account. I tried to call credit agencies unable to get through. In the meantime, my credit is being ruined due to reduced income. I need someone to investigate this matter. Thank you.
Product: Debt collection

They have harassed me for years trying to contact a relative who used my name as a reference. I asked them years ( at least 5 ) to not call me but they continue. The last call was on XX/XX/XXXX at XXXX.
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. 

Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Ive applied for the American Express Gold Card but was denied based on factors that were stated in the denial letter. I know my application was transferred, securitized then sold to help generate revenue. Under the IRS this is a medium of exchange as mentioned above I have not received my consideration ( credit card ). I also will submit proof of documents ( again ) being sent to me from the company in reference to them denying me. U.S.C. 1431- Powers and duties of banks ( banks do not lend money ) and banks are 15 usc 1602-g states ...,. we the consumers are the creditors, and the banks are the borrowers!
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been trying to resolve this matter with this company Citibank for almost a year to no avail. 

My recent correspondence with them was as early as XX/XX/XXXX when i sent a letter and they received it XX/XX/XXXX but never responded. 
i sent them a fax to there dispute department XX/XX/XXXX no response. 

I have requested verification for this debt through an original contract bearing my names, signatures and any identification verifying my identity prior to them offering credit due to the inconsistency and misinformation being reported. 
under the fair debt collection i have the right to requests for contractual agreement between both parties if i believe there is misrepresentation in there reporting to the credit agencies. 

I have disputed this account with all the three credit bureaus to request the creditor to provide contract based documentation to me but they were not able to. 

Here attached you will find inconsistent dates this account was opened, high limits, credit limits, last payment, last active and last payment dates. 
and they are unwilling to provide to me documentation to verify this account is mine.
Product: Checking or savings account

On XX/XX/ i received an email from credit karma that my account was frozen. This was after being a member of credit karma for all of 2 weeks and only making XXXX deposit into a savings account that hasn't been touched. After receiving the email i contacted a live agent to see what the issue was and he assured me that the investigation team was looking into it and I would be receiving an email shortly in regards to why my account was frozen and how i can unfreeze my account and i waited and i've been waiting for almost over a week now for funds that i need for personal reasons! So this morning XX/XX/ i doubled back to see if theres any updates or if there were other options and each and every customer service agent i spoke to gave me the run around saying id be getting contacted soon by an investigation team and theres nothing they can do. With it already being a week later with absolutely no contact from anyone I find this very unprofessional because their should be at least standard wait time for these sort of things if theres a need for a prolonged investigation because this is peoples hard earned money! Not only that but the agents i spoke to didn't made my experience any better and this is including XXXX and XXXX the gentleman that hung up in my face after asking if there was anyone i could speak to else i can speak to. Not to mention any time i DID ask for a supervisor i was put on hold for ages and left there with no further contact. Realistically when it comes to frozen accounts there should be a quick procedure such as a quick verification of information to easily resolve the issue not to be aimlessly waiting for more than a week with no clue how long you will be waiting for your own money to be released and seeing as i'm not the first customer that has gone through this evidently i'd rather be able to withdraw my money and take my business elsewhere because i have never experienced something like this!
Product: Credit reporting or other personal consumer reports

Upon checking my report I notice that an account I do not recognize from XXXX XXXX  ( XXXX ) {$2500.00} Is reporting
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX was totaled in XX/XX/XXXX. I have repo fees that were added to my account twice and the interest wasn't adjusted until XX/XX/XXXX when the contract states that in the even of a not at fault total loss, the interest would be reduced. It wasn't reduced till XXXX. I asked for a proof of the payments to repo company. I was overcharge by Prestige on repo fees. I'm requesting proof of what company they paid and amount. I never received the documents.
Product: Vehicle loan or lease

We were rear-ended on XX/XX/year>, at XXXX XXXX. We immediately contacted USAA to report the accident. XXXX 's XXXX XXXX towed the car to their lot. 
On XX/XX/XXXX, at XXXX PM, we authorized USAA to move our car to an authorized USAA repair facility, XXXX XXXX XXXX XXXX, to estimate and repair the damage. USAA contacted us via message to inform us that, based on their investigation of our loss, we had " 0 % liability. '' On Friday, XX/XX/year>, XXXX informed us that the repairs were more extensive than initially thought and that they were not equipped to handle the repairs the car might need. 

On XX/XX/year>, we found XXXX XXXX XXXX  XXXX in XXXX, North Carolina. We immediately contacted USAA 's XXXX XXXX XXXX at XXXX to inform them of the change in repair facilities. 

On XX/XX/year>, USAA towed the car to XXXX & XXXX XXXX. That same day, USAA issued a payment to XXXX in the amount of {$6300.00} ( for the original estimate - before they discovered further damage and alerted us to their inability to repair our car ). We called USAA and asked them to cancel the {$6300.00} to XXXX because the car was no longer at their facility. 

On XX/XX/year>, USAA redirected the {$6300.00} payment to XXXX XXXX XXXX XXXX. 

On XX/XX/year>, XXXX XXXX XXXX XXXX provided USAA with an estimate for repairs ( Supplement of Record XXXX with Summary ) for {$31000.00}. 

On XX/XX/year>, USAA adjuster XXXX XXXX ( License Number : XXXX ) approved XXXX XXXX XXXX XXXX supplemental claim. ( Estimated repair date : On ( or about ) XX/XX/year>. 

On XX/XX/year>. XXXX XXXX informed us that the car was a " total loss. '' On XX/XX/year>, we received a market valuation report for {$65000.00} to settle our loss claim. We contacted USAA to dispute the amount. After negotiations, we agreed to settle our claim for {$69000.00}. 

On XX/XX/year>, we received the updated " Settlement Agreement '' and signed in to " XXXX '' ( USAA title counterpart ) to sign the appropriate paperwork. XXXX informed us that USAA would release funds to our lien holder, and we would receive the amount above and beyond our pay-off after all paperwork was verified and completed. 

On XX/XX/year>, we contacted XXXX XXXX  XXXX to authorize the release of our car to XXXX. 

On XX/XX/year>, XXXX XXXX ( from USAA ) emailed us to inform us that XXXX was scheduled to pick up the car from XXXX XXXX XXXX  on Friday, XX/XX/year>. 

On XX/XX/year>, XXXX XXXX notified us that USAA would settle the outstanding lien with XXXX XXXXXXXX XXXX for the car in their possession. However, due to a USAA accounting regulation, we are unable to obtain our share of the agreed settlement until USAA retrieves the payment made to XXXX XXXX XXXX  XXXX on XX/XX/year>, amounting to {$6300.00}. The timing of this remains uncertain.
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts showing past due when they are current dept of Ed/XXXX no late pay Dept of ed/XXXX no late pay these accounts are in deferment and should not be showing 30/60/90 days past due
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my free annual credit report from XXXX but it never verifies my information. None of the questions they ask pertain to me. None of the information is mine and it doesnt matches anything. I need my equifax, XXXX and XXXX updated reports.
Product: Checking or savings account

On XX/XX/2023 I went to vystar to open a savings account I was unable to open the account because they told me I had owed {$200.00} on a checking account which I have no knowledge of opening a checking account with them
Product: Credit card

I thought I was purchasing a XXXX XXXX for my store, which consist of a down payment for services and hardware, in which I paid, only to find out that the company XXXX  with out my knowledge had signed me up for an credit account, that apparently I was suppose to be paying on that I had no Knowledge of. To my Understanding my down payment that I paid at the sign up and the monthly payments after that, that we talked about was the only obligation that I knew of to My knowledge.
Product: Bank account or service

Deposits were made on Wednesday, XXXX/XXXX/16. The bank did not make any money available the same day as required. The next day nothing was made available. Now Friday the second business day still nothing is available and the bank has stated that the items are " under review '' and has given no indication of when the funds will be made available.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the inclusion of unauthorized transactions in my consumer report, for which I did not provide authorization or instruction. Consequently, I formally request the blocking and removal of these accounts without any error or misrepresentation of facts. Below are the specific accounts in question :. 

It appears that your organization may be in violation of 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from containing : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' This statute explicitly states that Transunion making the report should not be included in my consumer report, as transactions or experiences associated with the line of credit extended between the consumer and the reporting entity should not be encompassed in the consumer report. 

I urge you to promptly update my utilization to 5 % or below within XXXX calendar days or expunge all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is detrimental to my reputation and is adversely impacting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, in addition to the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action being taken against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified inquiry listed is still reporting on my credit report in violation of Federal Law. TransUnion failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed and unauthorized information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX-Date of inquiry XX/XX/2020
Product: Payday loan, title loan, or personal loan

This company loaned me money through a title loan that was originally XXXX I ended up asking for another loan of like XXXX or so. For some reason they show I have refinanced this loan like 3 times and I have never asked for them to refinance it. I haven't seen any additional money besides the original and 2nd transaction. After 3 years they are only showing a paid amount of like XXXX and I pay XXXX there is seriously something not right here. The company is trying to get over on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not satisfied with investigation. Per mail sent I requested all information be removed and/or deleted from credit report. Experian failed to do so now I am making a complaint. I dont think it is fair
Product: Checking or savings account

Good evening, Everytime I go open an account my account was breach my identity was stolen and I things open on my account that shouldve been check for years bank accounts someone hacked XXXX showing driver listened that was stole and I wanted change the picture because of the situation but they didnt want to change it i been fighting for years asking why am I getting no responses call early warning.
Product: Credit reporting or other personal consumer reports

The company keeps trying to age the report with incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company my detailed dispute and proof on XX/XX/XXXX regarding to erroneous accounts reporting on my report. But until now this company is still reporting the account that I had disputed. This is very disappointing as this company is the only remaining credit bureau that is reporting this unverifiable account. For yet another time, this is the erroneous account that I need to be removed : Bankruptcy, Reference Number XXXX, Date Filed XX/XX/XXXX I am not familiar with this bankruptcy case ref # XXXX, please remove it asap By law, it takes 30 days for a company to investigate and verify a dispute Case, but this is not the case with this company as it has now passed the 30 days mark. I am attaching the letter i sent this company as my detailed dispute to them.
Product: Credit reporting or other personal consumer reports

I have had multiple disputes on experian about companies reporting inaccurate reports and supplied screen shots of payment being made on those companies payment programs and still they report as late payments these inaccurate reports by law are supposed to removed completely from my credit report and not allowed to report on my credit again but experian simply says the company information was checked and considered accurate, why is it that these companies can do what they want effectively ruining my credit report when I have been I payment plans of there terms yet still showing Im delinquent, I have ended payment plans with all these creditors and went to a debt consolidation company that was my only choice since my credit was being ruined with the help of experian this company needs some sort of check and balance the paper they wield over a persons life is bad