23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted on Monday, XXXX XXXX with a voicemail from a XXXX XXXX, claiming to be a legal carrier and that I was scheduled to be served Tuesday, XXXX XXXX, either at home or at work. He provided a phone number to contact the creditor directly at XXXX, case file # XXXX. 
I spoke to a man who was trying to collect a debt from XXXX. I did n't know if this company was legitimate or not because I was in my car and could n't look up the company. The debt is legitimate so I signed up for payments to pay off this debt. He was adamant that I needed to sign a release of funds from my credit union in order to charge my debit card. I had not faxed the form as of yet but I did receive a declined message in my email. First, I wanted my card to be charged every other Friday starting on the XXXX of this month. What I need to know is if this company is real, can they threaten to take legal action and can they take funds from my account without signing their document? 
I spoke with my representative today and he stated the opposite of what he told me on Tuesday. He said the email and release was for my records. I told him that it did n't make sense because he was adamant that I had to physically sign and not electronically sign the release. He stated in the second call, that I did need to sign the form in order to get my paper stating my account had been paid in full, otherwise, I would not receive this letter. 
I told him that did n't make sense because if its paid off, it 's paid off and again, he said I needed to fax it in. Then he told me he sent me a physical copy and that I could sign it and mail it back to him. I did contact my credit union and they said I could n't do anything at this point ; however, I can block this company from charging my card ; however, I 'm scared not too because I do n't want any legal actions taken against me.
Product: Debt collection

I have written 3 debt validations letter to this company and they have not followed up with validating the debt. They repeatedly sent me information about the alleged debt but nothing that verified the debt was mine bearing my signature. Letters were sent on XX/XX/2020, XX/XX/2020 and XX/XX/2020. I sent all letters through certified mail. I have documentation that the letters were received. Please delete this information from my credit file and cease all collection activities immediately.
Product: Credit reporting or other personal consumer reports

filing a complaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
I want the CFPB to publish
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have a judgement against my ex husband on XXXX bills that still show on my credit score. How can I get this off my credit score and on his???
Product: Credit reporting or other personal consumer reports

The account was on a modification and should have not been reporting any late payments as the account was scheduled tp resume payments on XX/XX/year> however the home also sold on XX/XX/year> and they are reporting lateness on the month of XXXX as well have not deleted this from my credit report. 

also : In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few student loans through XXXX/UTAH XXXX. These loans have been in deferment for a while now. I have not been able to make a payment on these debts for a while now and I have communicated with XXXX and let them know that due to COVID im not in a position to pay these students loans and again i am i deferment but they are reporting lates. I need these lates to be removed from my credit file. Under the Federal Mandate, CARES ACT, you can not report lates during the pandemic and plus my account is in deferment.
Product: Money transfer, virtual currency, or money service

Complaint Regarding Ally Financial Remittance Issue and Failure to Respond to XXXX Filing CFPB File Number : XXXX XXXX Filing XXXX : XXXX Summary of Complaint : This complaint is filed to document ongoing issues with Ally Financial regarding remittance obligations associated with the referenced account for XXXX XXXX. Ally Financial has failed to provide a valid response or rebuttal to an affidavit included in prior filings, in violation of administrative processes and legal standards. 

Details of Allegations : Failure to Respond with Requisite Documentation : Despite the inclusion of an affidavit requiring a response under penalty of perjury, Ally Financial has failed to provide a signed response with a wet-ink signature from an authorized representative, in direct contravention of legal requirements. 

Security Agreement Breach, Eliminating Arbitration Requirement : Ally Financials actions have breached the security agreement, and thus the arbitration obligation is voided. As per the contract terms, I am not obligated to pursue arbitration due to this breach. 

Request for Remittance Resolution and Acknowledgment of UCC Filing : Ally Financial has been notified of the remittance due and referenced in the UCC-1 filing ( number XXXX ). This filing is not a duplicate ; it represents a second administrative attempt to resolve this issue amicably. If no compliance is received, a third and final notice will result in a court of equity filing to seek appropriate relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following are in violation of personal consumer rights : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX First, 15 U.S.C 1681 Section 602 A : guarantees a right to privacy.

Second, 15 U.S.C 1681 Section 604 A, Section 2 : Does not allow a consumer reporting agency to report account information ( without permission ).

Moreover, to correct credit reporting agency records, in the removal of inaccurate and non-updated information, eleven such requests were made to XXXX and Equifax. However, with less than a three-day response, these credit reporting agencies claim to have completed a due-diligent investigative effort. In the interim, XXXX and Equifax continue to furnish and display unsubstantiated account details -- without permission. 

Furthermore, XXXX continues to list ( as primary ) an incorrect version of my legal name. Additionally, to allow for legal dispute, the credit reporting agencies fail to identify complete ( and accurate ) account numbers.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan with Lenmark financial and I defaulted on the loan Lendmark financial then sold the debt to XXXX XXXX XXXX XXXX. I settled the deck with XXXX XXXX XXXX XXXX and they gave me a settlement letter the account on my credit report is still showing derogatory and charged off I filed a complaint with consumer finance. XXXX XXXX replied that they reported the status of my account to the creditor. Lendmark has not updated my credit report to show settled.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of account ( s ) below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

15 USC 1681 Section 602 A. States : I have the right to privacy> 15 USC 1681. Section 604 A Section 2 It also States : A consumer reporting agency can not furnish a account without my written instruction.

15 USC 1681 c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following item ( s ) Items of information any other adverse. Items of information, other than records of conviction ( s ) of crime with antedates the report by more than seven years.

15 USC 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know ( s ) or has reasonable cause to believe that the information is in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My last complaint you responded and said you assume it wasn't me who filed the complaint. I don't see why you think it is someone else. No one is serious about my credit but ME! So please do not try to use more stall tactics to not remove this account. 

On XX/XX/2020 Is sent a letter regarding inaccurate fraudulent things on my credit report it has been over 60 days and to this day I haven't received any results. I feel like I am being taking advantage and ignored by the credit bureaus. Section611 ( a ) plainly states that failure to investigate this item within 30 days gives a reason to immediately remove this account from my credit report. Clearly it has been way longer than that. I demand this account be removed immediately or I will file litigation due to the stress you have caused me. My information has been impacted by the XXXX  security breach and may have gotten in the hands of the wrong person. Included is also the FTC report that I filed, sent to each bureau and they haven't conducted an investigation for that either.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically CashApp failed 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 funds transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

I was serviced with a notice of wage garnishment and after repeated calls to my work I was placed on notice by my employer. I was involuntarily laid off prior to me becoming homeless and like I stated I have been at my current employer for less than 3 months now. I do not have money to eat or live and have documents to show so. I created a packet with all documents required and submitted all XXXX pages to the number on the sheet and addressed it to the company and presiding judge. And I have proof of this. I called General Revenue Corporation this morning and was transferred numerous times informed I was in the wrong department. Finally after waiting on the line for 15 minutes a woman by the name of XXXX tells me that I have to call the number XXXX XXXX which she stated is a " post claim '' number. I called that number and apparently that number is for direct tv. I do n't know if XXXX funds and General Revenue Corporation think it is funny to play with peoples lives like this or if you are purposely doing this to individuals who request a hearing but either way I will be filing a complaint and if someone does not tell me if my documentation has been received I 'm going to contact the media. If you wo n't provide me with the information maybe you provide it to them. I only have to XXXX/XXXX/16 to verify that my hearing request has been received and they refuse to tell me.
Product: Student loan

XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX Aidvantage Dispute Resolution Department Office of the Customer Advocate XXXX XXXX XXXX, TX XXXX Subject : FORMAL DISPUTE AND DEMAND FOR LOAN DISCHARGE DUE TO LEGAL VIOLATIONS Dear Aidvantage Dispute Resolution Department : I am writing to formally dispute the legitimacy of my student loan obligations transferred from XXXX to Aidvantage. Due to serious legal violations and breaches of the federal privacy laws, including the FAMILY EDUCATIONAL RIGHTS AND PRIVACY ACT ( FERPA ), the PRIVACY ACT OF 1974, and the HIGHER EDUCATION ACT, I demand the immediate cancellation of all financial obligations related to these debts.

It has come to my attention that my personal educational and financial information has been improperly accessed by unauthorized third parties, including Elon Musk or affiliated entities. This unauthorized access constitutes gross violation of my federal privacy rights and nullifies any enforceable loan agreements under federal law.

LEGAL GROUNDS FOR DISCHARGE : 1. FERPA VIOLATION : The exposure of my educational records without my express written consent is a direct breach of FERPA, which mandates the protection of personally identifiable information.

2. VIOLATION OF THE PRIVACY ACT OF 1974 : The mishandling and unauthorized disclosure of my personal information contravenes federal requirements that safeguard the privacy of individuals data managed by federal agencies and contractors.

3. BREACH OF THE HIGHER EDUCATION ACT : The Higher Education Act requires servicers to maintain strict confidentiality and compliance in loan transfers. The transfer of my loan to Aidvantage and subsequent data breaches demonstrate clear negligence.

4. BREACH OF CONTRACT AND DATA SECURITY OBLIGATIONS : By failing to protect my sensitive information, both MOHELA and Aidvantage have breached contractual terms and obligations, rendering these debts unenforceable.

DEMAND FOR RESOLUTION : Due to these violations, I formally demand : Immediate and unconditional cancellation of all financial obligations associated with my student loans.

Complete removal of all Aidvantage-related entries from my credit report.

Written confirmation of this cancellation and credit correction within 30 days.

If my demands are not met, I reserve the right to pursue all available legal remedies, including claims for damages arising from these privacy breaches and violations of federal law.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have contacted Bank of America now two months in a row. Since they did a system upgrade when I make a payment on my mortgage I am not being issued a statement. I receive my statements electronically to avoid issues in the mail. I am concerned as I pay more then the minimum and they have already screwed up my escrow account asking for a large deposit with weeks notice only to refund most in as it was an error on their end within weeks. My trust that my funds are being applied correctly has been effected and the long wait times to get a statement are then compounded with associates that cant figure it out and being transferred numerous times. Please help it should not be so hard to see that my payment is being handled properly.
Product: Debt collection

I got an email notification from credit karma on XX/XX/XXXX that I have a collections report on my credit and when I checked what it was, I was surprised to see that DESIGNED RECEIVABLE SOLU ( I'm guessing this is " Solutions '' ) had this " opened XX/XX/XXXX ''. I am disputing this account on my credit report because I NEVER RECEIVED ANY SORT OF COMMUNICATION FROM THEM REGARDING MY MEDICAL DEBT- not a letter, not a phone call, not an email. I never had any derogatory report on my credit and this has completely tarnished my credit!
Product: Credit reporting or other personal consumer reports

They [ Nelnet ] charged me prior to XX/XX/year> for my student loans. The Federal Goverment didnt require payment until XXXX of XXXX. This caused a delinquent score on my credit report, even though Ive never missed a single payment on any credit card or loan, resulting in denials to my credit increase on my cards and denial of housing in my current job, XXXX Researcher with a XXXX degree and a XXXX
Product: Student loan

I have complained before. I am paying more than the minimum due each month however Great Lakes is not applying any of my payment to principal. There statement does not say how much interest is due each month, only the payment amount, and all payments regardless are applied to interest. How can I ever pay this loan off? Why do they not need to provide a normal loan statement that shows interest charged, interest paid, amount received, and how it is applied? FYI I have an XXXX and XXXX and I 'm an expert XXXX, and I ca n't understand what they are doing. Please help ... As it is, this payment is taking about 40 % of my disposable income.
Product: Debt collection

015. Americollect INC Americollect INC has refuse to show thier account numbers in which they are attempting to collecting for. Refussing to contact XXXX XXXX XXXX XXXX of Indiana to whom they state i have no outstanding balance to due insyrance has paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested removal of unauthorized inquiry which Equifax returned as a factual documentation coming from me but without no actual documentation to prove this was coming from me I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge. I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition. I respectfully request a copy of any documents authorizing credit inquiry. and signed on mv behalf. so that may verity its validity. 
If you find that I was not the one who authorized this inquiry. I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. It you tind that I am in error. then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. 
Your immediate attention to this matter is appreciated. 
Sincerely,
Product: Credit card

Throughout, I've maintained timely payments on this account, ensuring they never lapse into overdue status. I'm uncertain about the reasons for the late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.