23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX I lodged a complaint with cfpb about my forced art institute loans through navient. In response navient sent me the misconduct application form as I qualified for it. I submitted it with evidence including my letter as a class member of the XXXX XXXX XXXX lawsuit, lawsuits against the schools both federal and state as well as proof of false graduation rates and employment snd salaries. On the evening of XX/XX/XXXX I recieved emails from navient confirming my application was approve for private loan dismissal. Since I graduated in 2007 I had been forced to make payments on these loans. Even though my evidence proved I was forced to take these loans out and they were forgiven I was denied restitution. This is unacceptable. Navient has put aside millions of dollars to settle private loan forgiveness. There is zero reason for them to deny restitution on school misconduct findings that they themselves approved. I am attaching my misconduct decision on the loans and payment history on the forgiven loans showing all the payments I have made since graduating in 2007. Again I was forced to make payments on these loans for years. These loans were proven to be unethical and fraudulent. My payments should be returned in full. Navient has made reimbursements to the first few applicants of the misconduct form and it is known that they set aside {$35.00} XXXX for cases like mine. I am fully entitled to a reimbursement as I have been approved through their misconduct form. I am also attaching the latest letter senator XXXX XXXX sent to navient on the issues with the misconduct application and refunds.
Product: Debt collection

I am writing to dispute the validity of the debt that you claim I owe. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide validation of the debt before any further action is taken. 

Specifically, I request the following : 1. Verification of the debt : The name and address of the original creditor, and a detailed explanation of how the alleged amount was calculated.

2. Proof that you have the authority to collect this debt : Documentation showing that you are legally authorized to collect on this debt, including any chain of custody or transfer of the debt from the original creditor.

3. Detailed account history : Including any payments, fees, interest, and other charges applied over time.

This letter is not an acknowledgment or acceptance of responsibility for this debt, but a formal request for verification of its legitimacy. Until the requested information is provided, please cease all collection activities, including reporting to credit bureaus.

I expect a response within 30 days as outlined in the FDCPA. Failure to provide adequate validation will result in further legal recourse and a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

The Company I work for was using accepting credit cards sales using 'XXXX XXXX XXXX XXXX XXXX XXXX ' for processing. Back in XX/XX/XXXX we switched processing companies, because the rates we were being charged were very high. To make sure our new systems was to our liking, I did not cancel the original account until XX/XX/XXXX. I was told to submit my request by email or fax, I choose fax, I addressed the Cancellation Department at XXXX, as instructed requesting notice to cancel our Merchant Account # XXXX immediately. I have the faxed Transmission Verification Report, with date and time. They did charge us in XX/XX/XXXX, which I am not deputing, but then again in XX/XX/XXXX, our Company bank account was debited {$82.00}. I tried to contact the credit card company, but was put on hold so long, I had to hang up. Then in XX/XX/XXXX they charged us again {$82.00}. Finally on Wednesday, XX/XX/XXXX, I was persistent to reach someone and straighten this out. Spending over 45 minutes on the phone I spoke to XXXX at XXXX. She said they never got our faxed noticed and she checked their fax machine and it didn't show it was received. I resent with the fax print out showing original date & time. She told me " anyone could have changed time & date ''. Basically calling me a liar. I asked to speak with her Manager, again I was out on hold for 20 minutes, until she came back stating he said they could only credit me one month. I said I have proof, obliviously someone on their end drop the ball in XX/XX/XXXX. She won't let me speak to a Manager, I asked several times, I got " he's on another line '' and then " he's not in his office ''. She even accused us of using their services in XX/XX/XXXX, when their bill clearly shows No Activity. As I stated i have no problem with the XX/XX/XXXX charge. She asked why didn't I call earlier, and I said I tried but I can't be on hold as long, this call is already 45 minutes. So, I called my bank person and he said we were charged again in XX/XX/XXXX, {$82.00} and he suggest me to contact you. First, I did leave a voice message yesterday saying I was going to do this unless I hear back from them within 20 minutes. Of coarse, no call. It's not a whole lot of money, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX total {$240.00}. It's the principal. I feel this is either a scam or fraud on their part. It just not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX 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 ay consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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/year>
Product: Checking or savings account

My XXXX wrote me a check. Her bank is nearby and I went to cash it. I waited over XXXX minutes to be told to cash a check at the bank where her account is costs {$7.00}. 

This is not service oriented at all for your members not for those they write checks to. 

Very bad policy. Speaks poorly of US Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loancare ( XXXX XXXX ) erroneously reported my balance and late payment status following a loan modification that was effective XX/XX/XXXX. Loancare reported late payments for XXXX, XXXX XXXX XXXX and XX/XX/XXXX. I made all of those payments on time. 

I disputed this information with Loancare and the credit bureaus. Loancare provided a written response acknowledging the error and advised that they would update my payment status for those months to reflect as current. The update was in fact made and my credit report was updated accordingly. HOWEVER, on XX/XX/XXXX, Loancare again reported that I was late for the month of XXXX and my credit took a significant hit due to the credit bureaus marking my payment for XXXX XXXX as late. 

I attempted to dispute this erroneous information with the credit bureaus and was denied the ability to dispute online due to the prior dispute I filed in XXXX. I contacted loan care on XXXX XXXX expressing that Loancare was in violation of FCRA rules and violation of UDAPP regulations due to falsely and unfairly reporting that my XXXX XXXX payment was 30 days late on XXXX XXXX. How could my payment be 30 days late on XXXX XXXX. Additionally, I made my XXXX payment on time. The company acknowledged that I was in fact current and my next payment is not due until XXXX XXXX. Also, Loancare erroneously gave me false information indicating that they did not send information to the credit bureaus and would not send information until XX/XX/XXXX. When I spoke with XXXX I was told that Loancare had in fact reported me as late on XXXX XXXX for the month of XXXX. 

I'm filing a complaint in regards to Loancare as this is unfairly impacting my credit and my ability to secure new credit. This appears to be a common practice by Loancare based on the complaints I've seen online which requires further inquiry by the CFPB.
Product: Vehicle loan or lease

I have attempted to make payment arrangements with Security National Acceptance Corp. However, they refused to allow this to occur. They were very condescending. Also, I attempted to trade in this vehicle as it does not fit my family 's needs due to my child 's XXXX, however I am unable to because as I've made 18 months of car payments and yet my loan continues to get larger rather than smaller. I don't feel like I'm making any headway into paying this loan off. The other finance companies will not finance me due to this loan being so large and the amount owed not getting smaller.
Product: Debt collection

I am writing in response to a recent communication dated XX/XX/, regarding an alleged debt in the amount of {$9500.00} USD on behalf of First National Bank of Omaha. I am genuinely uncertain if this debt is valid and whether it pertains to me. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt. As such, I kindly request that you provide the following information : The name and contact information of the original creditor, First National Bank of Omaha. 
A copy of any contract or agreement signed by me related to this debt. 
A detailed accounting of the debt, including the principal amount, interest, fees, and any other charges that make up the total debt. 
Proof that XXXX XXXX XXXX XXXX is authorized to collect this debt in the state of Illinois. 
Any documentation that demonstrates I am legally responsible for this debt. 
Please ensure that all of this information is provided within 30 days from the date of your receipt of this letter, as required by the FDCPA ( 15 U.S.C. Section 1692g ). If you are unable to provide the requested documentation, I expect the debt to be immediately removed from my credit report and consider the matter resolved. 

I am providing my full legal name as XXXX. However, I noticed that your correspondence addressed me as XXXX. Please be aware that this information is not meant to acknowledge or confirm the validity of the debt but to ensure that my identity is correctly identified in your records. My internal case/file number, XXXX, should be sufficient for your reference. 

I request that you cease all collection activities, including phone calls and letters, until the debt validation process is completed. 

I will also be submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter for record-keeping purposes. 

Thank you for your prompt attention to this request. I look forward to your timely response and the resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon my name is XXXX XXXX XXXX since XXXX i have worked on my credit until the date, i have tried to get loans and go get more credit and i have been declined not because me info is wrong but because the company experian collected all the info of every person and have a error with my name i have tried to solve this with then but they keep asking for the same info that i have already sent then before my name XXXX XXXX XXXX date of birth is XX/XX/XXXX And live in XXXX XXXX XXXX XXXX XXXX i never used XXXX or XXXX or XXXX or XXXX only XXXX XXXX XXXX i only have 1 social security the info of every person are located by socail security and date of birth and name they already sent them my info and they dont Fix the problem i have taken credit loans XXXX, and XXXX before on only one credit card and other credit cards i have taken loans of XXXX and these dont show i will send you photo copys of the loans and credit cards that i have canceled and of credit cards that are active
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$3800.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$4900.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$6000.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$8300.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$5900.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$2200.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$5600.00} Status Open/Never late. 
US DEPT OF ED/XXXX Date opened XX/XX/XXXX Balance - Status Transferred, closed/Never late. 

These items are incorrect WRONG ADDRESS and personal information. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete. 

Please remove this account immediately in its entirely from my credit file. DEPT OF EDUCATIONXXXX Please remove it from my credit report.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed.

After you remove these items, please send me an updated copy of my credit report via mail.
Product: Credit card or prepaid card

I have an XXXX XXXXXXXX XXXX XXXX card through Commeity BAnk. UNDer XXXX there was never an issue redeeming points for an Account credit. I have {$6200.00} due to me in account credit. Even on the link it says you can use your pints for an Account credit. WHile trying to do this it says I ahve no balance, when I do. I contracted commetiy and they are saying you cnat use your pints for an account credit, when their site clearly says you can. WHen you call you get a run around. No one cna give me a straight answer
Product: Vehicle loan or lease

This Company Has Given Me Numerous Problems Over Years! I Paid Them We Both Have Proof They Still Say I Owe Them They Are Committing Insurance Fraud!!
Product: Debt collection

On XX/XX/XXXX I received a letter from Midland Credit Management stating that XXXX  XXXX/XXXX  had sold their debt to Midland Funding, LLC XX/XX/XXXX. They go on to say that I owe {$360.00} from a debt with the account they bought from XXXX. I never had a XXXX  credit card or account with XXXX. I have read online they are scam and ruining peoples credit. They also go on to say if I don't pay it by XX/XX/XXXX they will report the debt on my credit report! 

I do not want to contact them because online it says once they have your phone number or email they will harass you. 

I also read the FTC paid out over 4.5 million to people that were scammed by this company, ruining people 's credit and harassing them, their employers and family constantly. 

How do I handle this scam and protect myself?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian Fraud department multiple letters informing them that I am the victim of Identity Fraud. However the company continues to request documents I have already sent or tell me that they can not remove the inaccurate information from my credit report because the creditor may not know how to contact me and request that I contact them. I have contacted the creditor and Experian in regards to these fraudulent claims and both Experian and the creditor has refused to assists me in regards to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

your company IS STATING that you contacted the furnisher of the information or the vendor that collected the information from the " court '' I reached out to the court AND on XX/XX/XXXX THEY SENT ME A LETTER WHICH IS ATTACHED BELOW and they stated they DO NOT SUPPLY OR VERIFY MY INFORMATION WITH ANY VENDOR, THIRD PARTY OR CREDIT BUREAU. PLEASE TELL ME WHERE YOU ARE GETTING YOUR INFORMATION FROM WHEN THE GOVERMENT / COURT IS STATING THEY DO NOT SUPPLY INFORMATION OR VERIFY ANY INFO. 

XXXX XXXX XXXX, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 



What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 



You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 



The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


equifax follows the same practices as you do which is why they removed both public records due to not being accurate and not being able to verify the information
Product: Debt collection

After receiving multiple phones calls, Threatening me to pay amount that was already pAid. They told me they would delete Collection from my credit report. They deleted then posted again as a new debt owe for the same collection. Ive asked them to delete and remove this debt but Ive had no success. Please help. Ive asked XXXX  and XXXX XXXX  or better know XXXX  to provide me with documents confirm the removal will be taken care of but been denied
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 - I sent a letter requesting validation of a Bankruptcy Account that XXXX had listed on my XXXX. 

On XXXX I received notice that XXXX validated my debt through a third party consumer reporting agency XXXX who provided them with a copy of a XXXX report pulled from the internet. 

On XX/XX/21 - XXXX sent a letter to XXXX that the XXXX report provided by XXXX did not constitute proper debt validation for this account for the following reasons. 

XXXXXXXX XXXX is an online database. Accounts posted by XXXX have not been verified for accuracy nor does XXXX validate any accounts it publishes for Credit or Consumer Reporting Agencies or Bureaus. 

XXXX. XXXX is not a party associated with this debt and has no authority to validate it. The only legal validation of the debt would have to be provided by The United States Bankruptcy Court - Central District of California ( the original furnisher of this account ). 

Email correspondence from XXXX regarding the matter as well as a published statement from the XXXX courts. I disputed their investigation findings requesting proof of validation from the original furnisher of the account. 

On XX/XX/21 - I received correspondence back from XXXX that they were re-investigating my dispute and included a copy of my report reflecting the Bankruptcy still in their records. 

On XX/XX/21 - I received a final notice from XXXX that they were not going to investigate the matter further and considered it closed. 

XXXX failed to provide proper debt validation from the original furnisher of this Bankruptcy account. Knowing this and continuing to keep it on my report is a direct and willful violation of my FCRA rightsXXXX XXXX has violated my privacy ( 15 U.S. Code 1681 ( a ) ( 4 ) ) by collecting, assembling and furnishing for a fee to third parties information about my character, reputation, and mode of living which is inaccurate and a violation of my right to privacy pursuant to federal law. 

XXXX has infringed upon my consumer protection rights and has violated 15 U.S.C. 1681b ( a ) ( 2 ) by not getting written instructions from the consumer Plaintiff to collect, assemble and furnish for a fee to third parties information, which is inaccurate, about my character, reputation, and mode of living. 

XXXX shout be held civil liable for willful noncompliance and knowingly violating 15 U.S.C. 1681n. 

XXXX should be held civil liable for negligent noncompliance and knowingly violating 15 U.S.C. 1681o. 

XXXX should be held criminally liable for willful and knowing violations of 15 U.S.C. 1611 ( l ). 

If this account is not removed from my XXXX Consumer report I will file a lawsuit against t for the above violations to start with and a handful of others requesting that the disputed information from my credit file be deleted as well as compensatory, compensatory treble and punitive damages as well court costs and fees.
Product: Credit card or prepaid card

I've been trying to pay off this capital one MasterCard for three months .it is less than XXXX dollars. Their system is very flaky and doesn't allow me to bank transfer unless I have an account with them. I have sent them payment with payment coupon in the mail two months ago for the balance. This same thing happened about 4 years ago. It took them a few months to find the check. They refuse to admit it's possible they could lose it and continue to give me harassing phone calls and emails daily. I told them I would only send another check directly to the CEO with certified mail so they will have no reason to blame me for losing it. They are refusing to take a payment and continue to charge more fees and interest.