23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been talking to agents at Mohela, the following is a conversation I had and a complaint I filled to them. 
I am writing about XX/XX/XXXX Updates for borrowers on SAVE plan. The Update : '' if you submit an application to enroll in an IDR plan other than SAVE, but your loan servicer is unable to process your application within 10 business days of receiving the application or before your next billing statement will be sent, you will be moved into a processing forbearance for up to 60 days. " I talked to an agent at Student.aid and they assured me you received the update and " yes '' I should be moved into a processing forbearance. I should not be kept in the save forbearance since I have applied to move out of the save and you have acknowledged this with my receipt of your most recent email. I asked Mohela to Please update my account. They refuse to do so. 
They refuse to switch me over. I have called many times. Now they take my call after waiting for 3 hours then pass me on to another agent that requires me to wait another 4hours. They refuse to do anything.
Product: Credit reporting or other personal consumer reports

Hello, i'm contacting you about my issue with XXXX XXXX XXXX XXXX. In XXXX XXXX XXXX XXXX i received multiple fraud charges that made me go into the negative. I reported this to XXXX XXXX XXXX XXXX. It took XXXX days and when I came back, they said they could not prove it was me and could not prove it wasn't me, so they're keeping the charges. I told him I refused to pay fraud charges. The pure factor that they couldn't prove it. Was me because it wasn't proves that it was fraud charges. This has been affecting my credit for XXXX affects the loans I can get.I get denied because of it. I need this taken off my credit report completely. As this was fraud, and this was unfair to tank my credit when they were fraud charges, and it's affecting my life years and years later. I've reported this to XXXX XXXX XXXX and Equifax both have denied. 
My dispute. According to my new bank that I'm trying to get along for it, says on my credit report that I'm aware of the charges and I'm paying {$39.00} a month to them. However, I don't even know what debt collector has it the total is XXXX. It's been years.This should be off my credit report and no longer affecting my life. These were fraud charges, and they didn't even do a proper investigation. Even if I decided to pay the fraud charges, I don't even know what that collector has it. This is gone long enough, affecting my life.
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 these. Depending solely on your flawed e-Oscar system 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 ( XXXX ), 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 XXXX 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX 
XX/XX/XXXX
ACCOUNT NUMBER:XXXX  LOCATION INFORMATION: XXXX XXXX XXXX XXXX, FL XXXX  
TO WHOM IT MAY CONCERN, 

THIS IS ABOUT THE CONSUMER CREDIT TRANSACTION INITIATED ON XX/XX/XXXX WITH YOUR FINANCIAL INSTITUTION EXECUTED BY WAY OF SIGNING AN AGREEMENT ( DOCUMENT). AS PER 15 USC 6827(3) THE TERM DOCUMENT MEANS ANY INFORMATION IN ANY FORM. THE PROVISIONS OF 15 USC 6801(A) REQUIRE FINANCIAL INSTITUTIONS TO NOTIFY CONSUMERS OF THEIR INFORMATION SHARING PRACTICES AND PROVIDE FOR A RIGHT TO OPT OUT OF CERTAIN SHARING. 

IN THE ABOVE MENTIONED CONSUMER CREDIT TRANSACTION, WITHOUT GIVING ME THE OPPORTUNITY TO OPT-OUT, YOUR INSTITUTION FURNISHED MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES( I.E XXXX XXXX XXXX XXXX ) ACCORDING TO 15 USC 6809(4)(A), THE TERM  NONPUBLIC PERSONAL INFORMATION MEANS PERSONALLY IDENTIFIABLE INFORMATION- (I) PROVIDED BY A CONSUMER TO A FINANCIAL INSTITUTION; (ii) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER;OR (iii) OTHERWISE OBTAINED BY THE FINANCIAL INSTITUTION FURTHER, PURSUANT TO 15 USC 6809(5) THE TERM NONAFFILIATED THIRD PARTY MEANS ANY ENTITY THAT IS NOT AN AFFILIATE OF OR RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL WITH THE FINANCIAL INSTITUTION BUT DOES NOT INCLUDE A JOINT EMPLOYEE OF SUCH INSTITUTION. THEREFORE, AS PER THE LITERAL INTERPRETATION, THE ORGANIZATION NAMED XXXX XXXX XXXX XXXX ARE NONAFFILIATED THIRD PARTIES AND YOUR INSTITUTION HAS VIOLATED THE PROVISIONS OF 15 USC 6802.

 IN CASE YOUR COMPANY ADMITS THAT THE ORGANIZATION NAMED; XXXX XXXX XXXX XXXX IS AFFILIATED, IT HAS STILL VIOLATED THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT. PURSUANT TO 15 USC 1681A (D)(2)(ii), THE CONSUMER REPORT WILL NOT INCLUDE ANY INFORMATION COMMUNICATED AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL.

 FURTHER, 15 USC 1681A (D)(2)(A)(ii) STATES THAT IF THE COMPANY WANTS TO COMMUNICATE OTHER INFORMATION AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL, IT SHALL BE CLEARLY AND CONSPICUOUSLY DISCLOSED TO THE CONSUMER THAT THE INFORMATION MAYBE COMMUNICATED AMOUNG SUCH PERSONS AND THE CONSUMER SHALL BE GIVEN THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMOUNG SUCH PERSONS. THEREFORE, YOUR COMPANY HAS NOT ONLY INFRINGED MY RIGHT TO PRIVACY BUT ALSO VIOLATED MULTIPLE FEDERAL LAWS. I

 HEREBY DEMAND YOU TO REMOVE THE BELOW MENTIONED INFORMATION FROM MY CREDIT REPORT AND UPDATE ACCOUNT TO PAID AS AGREED; LATE PAYMENTS: 

1. XX/XX/XXXX
2. XX/XX/XXXX
3. XX/XX/XXXX
4. XX/XX/XXXX
5. XX/XX/XXXX
6. XX/XX/XXXX
7. XX/XX/XXXX
8. XX/XX/XXXX

 IF YOU ACCEPT MY REQUEST, I WILL NOT ESCALATE THIS MATTER TO A FEDERAL COMPLAINT. THANK YOU FOR YOUR ATTENTION TO THIS MATTER. 

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

I've been disputing an account on my Transunion report, as the balance is not being updated as it's being paid.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2020, I received a text message from Chase fraud department advising that a charge was declined and requesting verification. I replied with " NO '' via text message and immediately contacted Chase to dispute the fraudulent charges. 
Chase did replace my charge card and issued a temporary credit but later denied my claim and charged the fraudulent purchases back to my charge card. The response was in the form of a letter from Chase on XX/XX/2020 stating that my claim was denied because I allegedly received benefit from the transaction and the claim was closed. I responded via certified mail article # XXXX XXXX XXXX XXXX XXXX XXXX in which I disagree with the decision and request information regarding the appeal process but received no response from Chase. I am being informed incorrectly that my claim was denied because I allegedly approved the verification text and signed for the following purchase XX/XX/2020 XXXX XXXX XXXX XXXX # XXXX {$870.00} XX/XX/2020 XXXX XXXX # XXXX {$5000.00} I did not make these unauthorized charges nor did I receive any benefit from them and I would like Chase to re-open my claim and provide me with any documentation supporting their denial of my claim
Product: Debt collection

XX/XX/XXXX. 2021 XXXX XXXX pass due {$56.00} IC SYSTEM INC -Collector I do have cats but we always payment after treatment. Otherwise hospital doesn't let us discharge our pets. 
I believe that we didn't visit since 2020.
Product: Debt collection

On XX/XX/2020 I received an alert from XXXX of a collection account on my credit report. After opening my report I found out that LVNV Funding LLC has reported this collection of {$250.00}. 
I did not receive any communication from this agency in regards to this account. 
Neither I did any business with the merchant mentioned in the account. I reached out to the collection agency asking them to provide me any validation and they said they do not have any documentation and have not reported any information to the credit Bureau but still wanted me to pay them. I requested them to delete the incorrect information from my credit file but now they have this on other Credit Bureau as well damaging my credit. 
They are using unfair tactics to collect on a account which I don't have any knowledge and haven't provided me with any validation of the debt giving me an opportunity to confirm or dispute the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a checking account with FirstBank in Colorado that was opened XX/XX/XXXX. In XX/XX/XXXX, I relocated to XXXX, WA for employment. During the move, a deposit from a former employer was returned and overdrew the account unbeknown to me. It was not until XX/XX/XXXX that I found out when it showed up on my credit report. I immediately paid the balance in full. 

FirstBank reported this as a " Line of Credit '' " paid charge off '' account. This was never a line of credit. Later on XX/XX/XXXX, they changed it to " included in bankruptcy. '' It was never involved in a bankruptcy. 

In trying to work with FirstBank, XXXX XXXX, I have been unsuccessful in resolving this issue. This was a checking account. Not a line of credit as being reported. Never at any time was an application filled out for a line of credit. 

This should be removed from my credit bureau.
Product: Mortgage

I have called and been told that it was taking place but I am have not received any response
Product: Credit reporting

On XX/XX/2016 I checked my XXXX account and it had shown under my Trans Union report that XXXX in the amount of {$490.00} and XXXX, in the amount of {$100.00} were removed. I checked my XXXX report today, XX/XX/2016 and the above mentioned accounts were reinstated. I received no notification from Trans Union stating that they were going to reinsert the accounts. By law they have to notify me within 5 days that an account is being reinserted. They have not done this on several occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> LVNV Funding LLC Cease and Desist Request Disputing Inaccurate Debts and False Credit Reporting Dear Sir/Madam , I am writing to formally demand that LVNV Funding LLC cease all communication and collection efforts related to the alleged debt you are attempting to collect from me. The debt in question are as follows : XXXX XXXX XXXX in the amount of {$210.00} XXXX request that you immediately cease all attempts to collect these debts, as they do not belong to me. 

Moreover, I was not provided with an opportunity to dispute or request verification of the debts prior to your agency reporting them to the credit bureaus. This lack of proper validation and the reporting of these inaccurate debts to credit agencies has caused significant harm to my credit profile. As a result, I have been unable to secure necessary funding for essential home repairs, particularly during two national disasters, exacerbating the financial strain caused by your actions.

As required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ), you are obligated to provide me with a written notice of the debt that includes an itemized statement of the amount owed, as well as the creditor 's name and a request for verification. You have failed to provide this, and instead, have reported these alleged debts to the credit bureaus without giving me a chance to dispute or verify them, in violation of federal law.

Accordingly, I demand the following actions be taken immediately : Cease and desist all communication and collection activities related to these alleged debts.

Remove the inaccurate information regarding XXXX XXXX and XXXX XXXX XXXX from my credit reports with all credit reporting agencies, including but not limited to XXXX, XXXX, and XXXX. 

Provide proof of validation for any debts you are attempting to collect, including a detailed account of how these debts were incurred and evidence that I am legally responsible for them. 

Provide written confirmation that the inaccurate information you reported to credit bureaus has been removed and corrected. 

Failure to comply with these requests will leave me with no choice but to pursue further actions, including filing additional complaints with the CFPB, the Federal Trade Commission ( FTC ), and seeking legal relief for violations of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

I expect your prompt attention to this matter. Please respond in writing within 15 days confirming that you have taken the necessary actions to correct these issues. 

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

In accordance with The Fair credit reporting act XXXX  account ( s ), XXXX XXXX XXXX {$8200.00} # XXXX XXXX XXXXXXXX XXXX  {$960.00} # XXXX Dept of education XXXX XXXX Department of education {$90000.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$630.00} XXXX XXXX XXXX XXXX XXXXXXXX {$3900.00} # XXXX XXXX XXXX XXXX bank {$870.00} # XXXX XXXX XXXX XXXX XXXX XXXX  {$1800.00} # XXXXXXXX XXXX # XXXX {$260.00}, have violated my rights. 
( 15 USC 1681 section 602A. ) States I have the right to privacy. 15 USC 1681 section 604a also States a consumer reporting agency can not furnish my account information without my written instructions.
Product: Credit card or prepaid card

On 2020 around XXXX, I find out that I had a big problem about my credit score ( delinquency ), Then I found out that my discover credit card company file a debt collect on me. I never used this card, and also I never received any new Credit Card from the company. After this case happened I try to reach out with debt Collector and the discover bank, try to solve the problem. but both company make me calling around and not even try to solve my problem. that makes my credit score drop  everyday. The amount that i find out around {$8000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Compliance Failure XXXX  XXXX Bankruptcy XXXX XXXX Discharged XX/XX/XXXX Dear : Sir/Maam : It was only a few months ago when I contacted your firm with a formal dispute under the FCRA 611 ( a ) ( 7 ). In addition, I sent a formal written inquiry to the clerk of the COURT of Records for this erroneous Bankruptcy record that your firm is reporting. I received back that INQUIRY, it is CLEAR that the COURT DOES NOT verify or validate any information to your reporting agency. In addition the Clerk 's office noted that neither Personal Identifiers nor Metro-2 compliance standards were available for reporting or verification purposes, therefore the Bankruptcy record you are reporting violates the stipulated guidance provided to your firm by the Consumer Financial Protection Bureau .

After reviewing my reports, I noticed that each bureaus report has conflicting data on it. Most of the information being reported has not been verified unlike the bureaus assured us that it was.

No matter how a third party information broker has collected this information it must contain the complete personal identifiers and be Metro-2 compliant, in this case the record is CLERALY not COMPLIANT and it is UNVERIFIABLE and CAN NOT be reported. Tort law is quite clear in this matter! You have 5 days to DELETE the ITEM and provide me with written verification of that DELETION for my records. If you choose not to, I will have no choice but commence the unpleasantness of a tort action against your firm for violation of the FCRA. 



Very Respectfully, XXXX XXXX XXXX The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.

The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. Click here to see a list of DOJ systems of records and their Federal Register citations. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to XXXX of XXXX statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements.
Product: Money transfer, virtual currency, or money service

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

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts and inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2021
Product: Credit reporting or other personal consumer reports

After reviewing my consumer reports with all three reporting bureaus, I discovered some instances of late payments on an account that I have always made on time payments for. Consumer reporting agencies are required to accurately report consumer information. These reports affect consumers ' lives. I have never missed a payment on the following account : XXXX XXXX XXXX, Account # XXXX. I request a COMPLETE investigation into these discrepancies and kindly ask you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. There are multiple discrepancies on my report from ALL three bureaus.
Product: Mortgage

Please see dates page XXXX XX/XX/XXXX first loss mitigation loll XX/XX/XXXX first month I was unable to pay mortgage and started to XXXX for loss mitigation XXXX XXXX loan modification XX/XX/XXXX notification of first foreclosure on XX/XX/XXXX I started bankruptcy attempt to keep my home. 
XX/XX/XXXX XXXX no longer protects renters and starts to allow foreclosures. If I didn't get a loan modification the bank was allowed to take action XX/XX/XXXX I make another attempt for bankruptcy but can not afford to make payments due to fraudulent loan on a property my brother is trying to take from me. I inherited it XX/XX/XXXX after my mom passes. 

My bankruptcy payments increased by XXXX a month due to the XXXX loan he has made on home inherited at XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I decode to apply for loss mitigation 3 days before auction on XX/XX/XXXX which I was approved but first tribal refused to reinstate my loan.