23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Nationwide Credit , Inc. send the attached letter trying to collect monies that i don't owe, I have agreed on paying {$260.00} over 12 months until XX/XX/2019, also, XXXX XXXX was doing automatic withdrawal from my account, thye have decided to turn it ove rot collection agency, the glowing re the facts : 1- agreed with XXXX on {$260.00} over 12 months 2- after 12 months they will show it is agreed upon payments on my credit report 3- I authorized XXXX XXXX to withdrawal monies form my bank account and they established this. 
4- after 10 payments they send the same account collections agency. 

it is illegal and fraud.
Product: Debt collection

This company has tried to collect debt from me that is completely incorrect. They have harassed me about this for years.
Product: Debt collection

I have disputed this utility debt through the credit reporting agency a couple of times. Which, they removed it from my credit report. However, the collection agency continues to reopen up the debt, ( which has already been paid directly to the service provider XXXX XXXX XXXX  ). 
I do have current service through the service provider and have had service at the same residence since XX/XX/XXXX. When I had service turn on at that time, XXXX XXXX XXXX  put me on a payment plan which has been paid in full over the course of a year. 
The collection agency is also reporting it as a " Loan '' to the credit bureaus. And causing my credit score to decrease. I refuse to pay this debt again. 
Also, the collection date started in XXXX, not in XXXX. Which they are reporting. 


The collection agency is : And this is what they a falsely reporting ' TRANSWORLD SYSTEM INC/ Original creditor : XXXX XXXX XXXX  XXXX XXXXAccount Info Hover over labels for more details Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$350.00} {$350.00} 0 % paid off Contact XXXX XXXX XXXX XXXX XXXX  XXXX PAXXXX  ( XXXX ) XXXX
Product: Credit reporting

I was denied from a lender for " too many inquires '' on my on my Tranunion report. I know how important my credit worthiness is I immediately went to check all my reports to figure this situation out. I contact Transunion immediately about the wrong information. I constant go no help from anybody. Very disappointing. I have had a fraud alert placed on my account now for the past two years. To prevent any issue like this in the future. They have fell me as an citizen. Since, they could n't help me investigated on my own about this inquires that are below. I have NEVER authorized verbally, physically, even mentally for them to access my information. They have no indication of me providing my identification, blood, sweat or tears to their company.       XXXX   XXXX   XXXX    XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX ,   XXXX     XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,   XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair, credit reporting act the list of companies below has violated my federal protected consumer rights to privacy and confidentiality on the 15 USC 1681. account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and notice some things are incomplete and not accurate and according to the fair credit reporting act when every consumer reporting agency prepares a consumer report they shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the in

dividual about whom the report release according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i5 They are supposed to do this ( 5 ) Treatment of inaccuracy Or unverifiable information ( A ) In generel, after any reinvestigation under a paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or Incomplete or can not be verified the consumer reporting is shall- ( i ) Probably delete that item of information from the file of the consumer, or modified that item of information, as appropriate based on the results of the reinvestigation ; ( ii ) Properly notified the furniture of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 They are supposed to
not furnish any information related to a consumer to any consumer reporting agent if the person knows or has reasonable codes to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the Department of Education and any associated entities regarding apparent violations of my statutory privacy rights pertaining to my federal student loan records and information. 
Under the Family Educational Rights and Privacy Act ( FERPA ) enacted in 1974, my student loan details and records maintained by the Department of Education are classified as protected education records ( 20 USC 1232g ( b ) ). As such, there are strict confidentiality requirements for handling this sensitive data. 
However, I have good reason to believe that my private student loan information has been mishandled, improperly disclosed or inaccurately reported without maintaining necessary confidentiality safeguards. This raises concerns about potential non-compliance with FERPA 's privacy mandates. 
Moreover, the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) emphasizes the need for consumer reporting agencies to uphold accuracy, fairness and respect consumer privacy rights when dealing with consumer information. Specifically, section 1681 ( a ) ( 4 ) calls for " fairness, impartiality and respect for the consumer 's right to privacy. '' Given that my student loan data should be treated as a private education record under FERPA, any mishandling or improper disclosure of this information would constitute a violation of both FERPA and the Fair Credit Reporting Act 's stated purpose of ensuring proper utilization of consumer data with confidentiality ( 1681 ( b ) ). 
I urge the CFPB to investigate this issue and take appropriate regulatory action against the Department of Education and/or any other entities potentially responsible for compromising the privacy and confidentiality of my protected student loan records. Safeguarding student privacy must be a paramount concern. 
Please respond with updates on how you plan to address and rectify this alleged violation of my federally-protected student privacy rights. Accountability and remediation are expected.
Product: Checking or savings account

So I added my money to my cash app to put a down payment on a new property I stoped at a gas station somehow lost or got my phone stolen which holds my identification card and debit cards I went to the police station and told them I have the location of my device if I use the find my phone app my phone was left in a random alley but my cash app was completely wiped of XXXX dollars I'm not sure what financial institution would let you just use that amount of money out your account without any verification tactics but these thieves made 1 purchase at some type of store for {$2700.00} dollars and cash app approved of the transaction but have the nerve to deny my dispute how dare you treat your customers with such unprofessional behavior I demand I additional review from a higher department because I'm not understanding how am I denied of something that was stolen from me right under you all nose I truly and whole heatedly advise everyone to stay away from businesses like this this is ridiculous do your job and stop helping scam your own people who relies on you all to protect our money I will make sure my case is seen on every review platform form if my case isn't handled correctly in the next week and I mean every platform until you all are exposed of this type of neglect you show toward your customers. Ps do your job please we are depending on you thanks
Product: Debt collection

I was called at XXXX by a rep there. I told her I would be calling in at XXXX to make payment because I was driving at the time. She says ok.. I got another call at XXXX from a different rep and I explained to her this morning about a call she said there we no notes. 2 minutes later my phone rang again and it was jareds
Product: Credit reporting, credit repair services, or other personal consumer reports

1. ) These accounts, opened in XX/XX/XXXX and XX/XX/XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, a XX/XX/XXXX thru XX/XX/XXXX timeframe. 2 ) The address provided to and reported by XXXX XXXX XXXX XXXX is one that XXXX XXXX has never lived at, in a State in which he has never been a resident. 3 ) Further, based upon the published requirements for membership to this credit union, XXXX XXXX would have been ineligible for legal membership or services due to : 1 ) The fact he was living abroad when these accounts were opened and utilized. ( Figure A ) 2 ) In conjunction with Item 1, XXXX XXXX status as an Iowa resident ( verified thru any and all identification documents which he has possessed that are valid and legal, would have made him legally ineligible for membership. 4 ) XXXX XXXX XXXX XXXX failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX County Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of XXXX XXXX XXXX XXXX to comply with : 31 CFR, Part 1020, Rules for Banks, Subpart D 1020.410 Records to be made and retained by banks and Opening Account Procedures. The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C. 1692 It is because of these facts, and the documentation, provided which proves that these two accounts were in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line.
Product: Debt collection

On XX/XX/XXXX, I sent a debt validation letter to this company asking them to validate this debt they say I owe them. I have NO LEGAL BINDING CONTRACT with AD ASTRA therefore they need to cease communication with me as well as remove this account from my credit file.
Product: Checking or savings account

Getting charged overdraft fee, when money was in the account a day before. 
Enough money is there to cover transaction, next day they say that there was not enough to cover the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. This is not mine. I am a victim of identity theft. Also Under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Subject : Debt Ownership Dispute, Validation Request, Cease-and-Desist, and Demand for Deletion I formally dispute the collection account below and demand full validation under the FDCPA, FCRA, and Regulation F. Until proper validation is provided, all collection and reporting activities must cease immediately as required by law.

Legal Basis for My Dispute : 15 U.S.C. 1692g ( b ) ( FDCPA ) : Collection efforts must cease until full validation is provided. 

Green v. XXXX XXXX XXXX. LLC ( XXXX ) : A statement alone is insufficient proof of debt ownershipyou must provide a complete chain of assignments. Missing any Bill of Sale voids your claim.

15 U.S.C. 1681s-2 ( a ) & ( b ) ( FCRA ) : Prohibits reporting unverifiable information.

Securitization Law : If this debt was bundled and sold as a security, you lack standing to collect. 

My Formal Demands : Debt Validation Provide : The original signed agreement and full payment history. 

All Bills of Sale/Assignments proving continuous ownership. 

Confirmation this debt was not securitized. 

Cease-and-Desist : Stop all collection and reporting activities until validation is completed.

Immediate Deletion : If you can not fully validate this debt, remove it from Experian, TransUnion, and Equifax immediately.

Personal Information Update Please update my credit file to reflect the correct information and delete all incorrect information : Correct Personal Information : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX, IL XXXX Delete Incorrect Names & SSN Variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Variations : XXXX Delete the Following Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX, XXXX Terrace, IL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX to Be Validated and Addressed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Failure to comply within the legally required timeframe will result in formal complaints to the CFPB, FTC, and legal action for violations of 15 U.S.C . 1681n & 1681o.

I expect written confirmation of compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Regulation F. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit card

On XX/XX/XXXX I applied for a Home Depot credit card to purchase windows for my property. I was approved, I received a receipt for the transaction and on XX/XX/XXXX a HD representative arrived at my property to take measurements of the windows. Home Depot advised that I would receive the windows within 6-8 weeks. Within XXXX week, I received a credit card statement to pay for the window purchase and the first payment was due on XX/XX/XXXX. I called the bank issuer to advise that I had not received the product I purchased, therefore I did not understand why a payment would be due, but they advised that this is their policy and that I needed to dispute the issue with Home Depot. On XX/XX/XXXX, after numerous calls to Home Depot ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX ), I received an email advising that the measurements for my windows had been received and that my windows would be ready within 6-8 weeks. Meanwhile, I have been making monthly payments for a product I am still not in receipt of. The company has been uncooperative, unresponsive and illegally demanding payment for a product that they are refusing to deliver. Unfortunately, I'm forced to continue making payments so that my credit rating will not negatively be affected and I'm being forced to pay for a product I'm not going to receive. The Home Depot is not willing to reimburse me for their inability to abide by their contractual agreement which is to provide the product that I paid for with 6-8 weeks after the measurement of the windows. This problem is a financial burden for me and Home Depot is not cooperating nor are they responsive. Home Depot is illegally stealing money from me and I need for this to stop and get rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent four certified letters to XXXX  - Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX One for every 30 days since XXXX. I have asked to verify all Navient Accounts with names and update all accounts with corrected dates. I have yet to be successful. All they responded with is the same thing that is being reported. All these accounts are outdated and showing incorrect dates of last payment and its restarting the statue of limitations of 7 years. They are not giving me absolutely no updates and 4 of these 7 accounts of Navient have been deleted from my spouse 's account that have the same account numbers and balances since I was joint on her account. Amounts that have been deleted on my spouse account are {$6300.00}, {$4700.00}, {$4700.00} & {$6200.00} on XXXX. I have called numerous of times XXXX starts a dispute and I wait the time limit and they give me no updates on any of my accounts. I feel this is all an injustice on my reputation of an old account that I am being held accountable and XXXX  is not reporting my account correctly. All seven accounts should have been deleted years ago. It's showing a last payment in XXXX and XXXX so it resets it's time and that is inaccurate. On one report it showed a payment of {$1.00} and that is not accurate. Re-setting the time on all these Navient Accounts is such an injustice. I have sent them proof of deletion from other credit bureaus ( Certified Tracking # XXXX )
Product: Checking or savings account

On Thursday XXXX XXXX I logged into my Sofi account and it said account temporarily restricted also by email from a No-reply email address that the email address is XXXX I contacted Sofi to see what and why Sofi had put a temporary restriction on my Sofi checking account & saving account that means that I can't pay any of my bills like rent tv & internet bill my cell phone bill and my Season pass aka annual pass to XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXXXXXX pass when I called Sofi yesterday on Thursday XX/XX/XXXX XXXX and again at XXXX and again at XXXX they told that they expedite the case. Also, Sofi told me that I can not take any of money out my checking account or my savings account at the moment I really do not Sofi to close my checking & savings account because On XXXX XXXX I got the same email that I have receive on XXXX XXXX I had to call in again with a SoFi Member Security Team. My SSI & my SSDI payments go into my checking account for me to use that money to live off of right Sofi has been giving me the run around saying that don't yet about their findings into my account I have been tell SoFi that I can not make my dad mad that he is not getting a check for rent for the month of XXXX & I do not want to be kickout in the cold weather at all or be homeless
Product: Mortgage

A VA refinance loan was taken out without my permission. Rushmore Loan Servicing Company took out this refinance without my permission.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I just checked my XXXX credit report and I've come across a lot of unknown credit inquires and I never consented of this and don't recall. I refuse this to allow this to sit on my credit report when I didn't authorize any of these company to run my credit. All of these took action on XX/XX/year>. These companies and bank include XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA incorrectly reported fraud to another bank and has failed to correct its mistake for almost two months, which is causing over {$40000.00} to be withheld from me. Between XX/XX/XXXX and XXXX, 2022, I transferred money from my USAA savings account to XXXX XXXX XXXX XXXX ( " XXXX Fed '' ). I did this over the phone with USAA representatives to save money on a wire transfer. On XXXX XXXX, 2022 USAA sent XXXX XXXX  an XXXX and Hold Harmless Agreement advising my transfers were fraudulent. USAA admits this declaration of fraud was a mistake. In addition to numerous phone calls where USAA has admitted its mistake, USAA has also issued letters on XXXX XXXX, 2022 and XXXX. XXXX, 2022 stating no fraud was found and that my account is in good standing. It has been almost two months and USAA has still failed to advise XXXX XXXX  of its mistake or take corrective measures. On XX/XX/2022, XXXX in USAA 's CEO team advised she can't get someone in USAA to " click the button '' to undue the fraud alert. Due to USAA 's actions, XXXX XXXX  has permanently banned me from banking at their institution, will not provide me any information other than to say USAA has provided them information confirming my actions were fraudulent, and refuses to return over {$40000.00} in my XXXX XXXX  accounts. USAA has been aware for almost two months that it mistakenly issued the Indemnity and Hold Harmless Agreement to XXXX XXXX  but has done nothing to correct its mistake and advise XXXX XXXX  that my transaction was not fraudulent. To make matters worse, USAA is now not responding to my phone messages including near daily phone messages left on XXXX 's, CEO Team, voicemail for almost two weeks.
Product: Credit card

Last month I discovered that Synchrony/Amazon charged off an account for {$370.00}. The account number ending in XXXX. The last record I showed paying them {$130.00} in XX/XX/XXXXXXXX XXXX Apparently there was a balance remaining of {$67.00}. The last statement they provided me was for the billing cycle from XXXX. Since then, Synchrony/Amazon did not send any monthly statements nor any late notices nor demand letters letting me know the account was past due and that they were planning to charge it off. They simply charged it off affecting my credit negatively. I contacted them directly and they could not provide me with any additional information. I was referred to a collection agency. I contacted the collection agency and 18 days later ( today XX/XX/XXXXXXXX  ) I received the statements and I'm disputing the accumulated late fees and interest on the late fees totaling {$370.00}. As I look through the statements provided today, they have been charging a {$40.00} Late Fee and Interest on the balance of which includes late charges since XX/XX/XXXX at the rate of 29.99 %. On the statements provided today, it shows a very misleading and erroneous description of " INTEREST CHARGES ON PURCHASES '' for every month since the problem began. This company is a predator and they don't care about the consumer one bit. They are happy collecting late charges without providing the consumer due process to rectify an oversight on my part by not paying the balance in full. Instead, they simply charge it off and refuse to deal with the consumer past that point. If you look at the history on this account, you'll see that for a period of two years or so, I paid the balance in full every month.