23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am not working and can not make my loan payments. I have contacted Ed Financial in regards to this matter several times. I made a complaint on XX/XX/XXXX with CFPB. I made numerous attempts such as filing for Unemployment Deferment, Forbearance, etc. and have been denied by Ed Financial. They stated that I have used up the amount of times I can use these options. Ed Financial sent me an application for income driven repayment. I sent in a personal statement explaining that I do not have any taxable income. I also spoke with a representative who advised me that since I have no taxable income I should fill out the income driven application along with my personal statement and that he did not see a reason why it would be denied. 

Well the application was denied and I will have to start making payments in XX/XX/XXXX. These people refuse to work with you and just want to see you go into default. If I do not have a job how am I supposed to pay back the loan? I also have a child at home. Ed Financial is ridiculous and they don't try to help or offer reasonable ways to accommodate your situation in anyway. All they care about is their money.
Product: Debt collection

XX/XX/XXXX Certified Mail : XXXX XXXX XXXX XXXX XXXX Debt Collectors : SELECT PORTFOLIO SERVICING INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX XXXX XXXX AS TRUSTEE XXXX XXXX XXXX XXXX XXXX, NC XXXX cc : Federal Trade Commission Office of Inspector General XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : Acct No. Select Portfolio Servicing Acc # XXXX XXXX XXXX XXXX AS TRUSTEE ( XXXX XXXX XXXX ) Acc # XXXX NOTICE OF VERIFICATION DEBT I am writing this letter in response your Select Portfolio Servicing Notice of Default XX/XX/XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you has been falsely claiming. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. <P/>Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. Identify HSBC BANK US TRUSTEE headquarter and agents 3. Default date of Mortgage 4. The agreement bearing my signature stating that I have agreed to assume the debt 5. Valid copies of the debt agreement stating the amount of the debt and interest charges 6. Proof that the Statute of Limitations has not expired 7. Complete payment history on this account along with an accounting of all additional charges being assessed 8. Commission for debt collector if collection efforts are successful. 9. Any insurance claims been made by any creditor regarding this account. 
10. Any Judgments obtained by any creditor regarding this accou
nt 11. Show me that you are licensed to collect in my state ; and 12. Your license numbers and Registered Agent 13.  Explain Select Portfolio Servicing 's misconduct and conspiracy to defraud client with two ( 2 ) different default letter XX/XX/XXXX for XXXX XXXX and XX/XX/XXXX for {$230000.00} in less than a year. Both Demand letter/Default letter has a serious fatal error, also failing to state the date of Default date of the Mortgage. <P/>If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. <P/><P/><P/><P/>XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Email : XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Requested On : XX/XX/2019, HUNTINGTON NATL BANK Requested On : XX/XX/2019, XXXX XXXX XXXX Requested On : XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Checking or savings account

I opened a basic deposit account with Umpqua Bank on XX/XX/2023, which I was approved for. Umpqua sent me an email stating " Your application is approved and your account is now open. Your confirmation number is : XXXX. You have chosen to charge your credit or debit card to deposit money into your new account. This transaction will post to your credit or debit card in the next few business days '' ( see attached image ). At the time of account opening, I funded the account with {$2000.00} using my credit card ending in XXXX ( also see attached image ). I also set up online and mobile banking so I could check my balance on my phone and on the go. On XX/XX/2023, I received my first monthly statement. I made no further transactions and my balance is {$2000.00} ( plus nominal interest ). All seemed well. 

However, starting in early XXXX, I could not log into the app. After several unsuccessful attempts throughout the first couple weeks in XXXX, I finally called Umpqua Bank on XX/XX/2023 as I received no communication from this shoddy establishment and was feeling uneasy. I spoke with several representatives, including supervisors and the XXXX on duty. They informed me that my account had a " restriction '' placed on it and I would need to visit a branch to proceed, while also ( wrongly ) telling me my balance was {$0.00}. After inquiring further, they found the {$2000.00} account opening funding but reiterated that I must come into a branch to verify the account funding source, which had an issue. At this point, after repeated back and forth, I asked my account please be closed immediately and a cashier 's check sent to my mailing address in WA. The XXXX XXXX refused and is effectively holding my {$2000.00} hostage with no feasible option for me to retrieve the funds.

I want to be very clear : I successfully opened and funded a savings/checking account with {$2000.00} back in XXXX. Now in XXXX, the XXXX XXXX is now holding my {$2000.00} hostage and refuses to release the funds or give it back to me via check for account closure. I am unable to close my account and get my money back, and the bank is unwilling to help me. 

This negligence can not be tolerated, and I have already disputed the credit charge with my financial institution and plan to also file a police report and press charges for the {$2000.00}.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle Numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Total XXXX XXXX These companies have violated my rights 15 USC 1681 section 602 8 states I have a right to privacy.

15 USC 1681 section 604 A section 2 i, also states a consumer reporting agency can not furnish my account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax & XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court  system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax & XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine.
Product: Credit card

In XXXX there was an mis-posted for a XXXX XXXX  on my account and it was fixed in XXXX. 

Someone with a similar name made a purchase and XXXX recognized that. 

In XXXX apparently they were transitioning to Commenity Bank my profile did not transition over when I had {$6000.00} available in credit. 

Now theyre claiming theres a cease and desist note on my account because the previous issue with the random person used my account triggered this before transition
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes whic
h antedates the report by more than seven years.

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

I have recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. Thanks in advance
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Complaint Against TransUnion Regarding Disputed Account Dear CFPB, I am writing to formally file a complaint against TransUnion due to ongoing issues with the negative verbiage associated with my XXXX XXXX XXXX account. Recently, I was denied a bank loan because of this negative information, I feel that transunion is bearing on my credit worthiness, mode of living, character, reputation. 

I have disputed this account a total of XXXX times, with the most recent dispute filed today, XX/XX/year>. The dispute file number is XXXX. Despite my repeated efforts to resolve this matter, TransUnion has consistently ignored my requests and failed to provide a satisfactory resolution. 

I am frustrated by the lack of response and the continued impact this negative information is having on my creditworthiness. I would appreciate your assistance in addressing this issue and ensuring that TransUnion takes the necessary steps to rectify the inaccuracies on my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this complaint. 

Sincerely,
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

In XXXX of 2015, I received an alert from my credit monitoring service that Enhanced Recovery LLC had placed a collection account on my credit report. I did NOT receive any communication from this company. I immediately sent a request for debt validation by certified mail according to the FDCPA. I did not receive a response. I sent a XXXX request in XXXX 2015 by certified mail. I still have n't received a response although they are continuing to report the debt on my credit report.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX - XXXX "
Product: Debt collection

I was notify by text that the debt Collector LNVL Funding LLC wants me to pay XXXX debts, XXXX in the amount of {$3700.00} which I have already dispute through XXXX on XX/XX/2024 under the reason that is not my DEBT. The other one in there amount of {$3200.00}, which originally my debt was {$2700.00}, with XXXX XXXX XXXX  through his credit card # XXXX. XXXX. 
I start by finding why they ask for this collection, and the only clue that I have is that they bought from XXXX XXXX XXXX  my original debt in the amount of {$2700.00}. 
I request consideration for a hardship discharge of this amount. I am experiencing a severe financial hardship, as a result of the pandemic, I lost my job that I have maintained for several years.I am XXXX  years and will turn XXXX this coming XXXX. Although I have been desperately trying to find a part-time and full-time employment, I have not been able to secure even an entry level position. 
Currently my only source of income is Social Security retirement. After paying my modest rent, I do not even have enough to get all my groceries, prescriptions or personal care items. Most of the time i must go without my basic essentials needs. 
Please consider this request for a hardship discharge of this debt. 
I don't know address, nether telephone number, nor to whom address my petition, that is the reason that I am writing you about this debt. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX This letter is a formal complaint that you report inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. It has been over 60 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once.
Product: Credit card or prepaid card

I tried to work on getting global entry ( I am supposed to get a credit on my statement for {$100.00} if I get it. I started the process and was disconnected, never got an email or a way to get in touch. Both the vendor and credit card company said I was not/would not be charged. It appeared on my statement. I was told would need to dispute. Still no way of verifying with vendor as they don't have me in their records and Barclays is saying it is a valid charge. 
No info provided how to contact them nor a way to dispute further.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX  : XXXX to file a report 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 blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed below have reported to my account. I am unaware of these listed inquiries. Please look in to the listed accounts. Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I sent my dispute to TransUnion on XXXX XXXX XXXX, online for them to investigate. They came back and said my dispute came back verified on XXXX and told me that the information would remain on my credit report. The information that I was disputing was from the public records section of my credit report ; the File Number : XXXX. The date generated was XX/XX/XXXX. The company got its information from XXXX. The data was removed because they could not verify the data from the court, so they deleted it from my XXXX report, and they sent me the results that I will attach with this complaint. How can you verify something, not on the company report that you get the information from to verify the information?