23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Re : Validation Notice Ref : # XXXX {$980.00} Whereas 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, and ; Whereas there is no evidence of prior consent for this communication. 
Whereas there is no evidence of permission of a court of competent jurisdiction offered and can not be valid without verifiable proof that the alleged consumer is subject to such jurisdiction. 
Therefore a debt collector may not communication with an alleged consumer in connection with the collection of any debt and must cease desist this frivolous action by exclusion of all accounts. 
LVNV Funding and its fFailure to comply will result in a petition to launch an investigation into the deceptive business practices. I have given LVNV funding 30 days allotted by law to provide verifiable proof and they have yet to do so.
Product: Money transfers

Paypal offers a service of virtual money which is tied to a checking/debit or credit acct to make purchases without leaving your information available to hackers ... They also have a dispute service when dealing with vendors without ethics or deceptive practices ... 

I have used Paypal in dealing with an internet company that has defrauded me of delivery of my purchased items and now refuses to act in a manner complementary to what they claim to offer ... I have filed a dispute regarding a purchase and they have sided with a vendor claiming I have recieved the merchandise ....
Product: Credit reporting or other personal consumer reports

Equifax is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I did not benefit from the transactions. I sent Equifax written correspondence which included my proof of identity, an identity theft report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice.
Product: Credit reporting or other personal consumer reports

I've observed several deviations from mandatory reporting standards, which cast doubt on the accuracy and completeness of the data in my report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information in my credit report.

In accordance with 15 U.S.C 1681e, consumer reporting agencies must employ reasonable procedures to ensure the utmost accuracy of information in consumer reports. Furthermore, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. This includes conducting reasonable investigati
ons into consumer disputes, as outlined in the Consumer Reporting Resource Guide ( CRRG ) and adhering to XXXX XXXX compliance standards. 

Deviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, potentially compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights.

It is unjust for you to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I challenge these claims and request evidence of proper reporting standards. Your violation of my rights is documented in this communication, citing concerns about incomplete and non-compliant reporting.
Product: Student loan

Navient sold me high interest student loans that totaled over XXXX}. My private student loan repayment, not including federal loan payment, is increasing from XXXX to approximately XXXX} in XXXX ( Navient refuses to tell me the exact amount ). I became unemployed in XXXX. Navient 's website said there are options to lower your private student loan payment if you can not afford it, but you have to call to find out what they are. I called and was told that there are no options and that I need to ask my co-signor for money.
Product: Debt collection

Collection account from SUNRISE CREDIT SERVICES for a XXXX company XXXX in NJ. I have never lived in NJ. I have called sunrise and the XXXX  company multiple times and they have not been able to fix it.
Product: Credit card or prepaid card

On XX/XX/XXXX I opened a complaint with CFPB about Navy Federal Credit Union. I had a Visa Signature Cash Rewards credit card with Navy Federal Credit Union Account XXXX ending XXXX. This account was closed by the bank due to none payment/nonactivity. NFCU has committed fraud. As of the date of the first complaint # XXXX, NFCU completed XXXX Unauthorized electronic fund transfer, as described in XXXX CFR XXXX ( m ), in the amount of {$2200.00}. I sent NFCU a letter revoking any POA that they have had on all of my accounts and they received it on XX/XX/XXXX, I have attached the letter to this complaint. 
On XX/XX/XXXX another complaint was opened on my behalf by the XXXX XXXX XXXX XXXX, XXXX Assistance XXXX, it stated everything that I put in my original complaint that was filed XX/XX/XXXX. 
On XX/XX/XXXX NFCU did another Unauthorized electronic fund transfer in the amount of {$800.00}. These actions are a clear violation of Special credit card provisions, as described XXXX XXXX XXXX XXXX credit card provisions. ( d ) Offsets by card issuer prohibited ( XXXX ) General rule. A card issuer XXXX not take any action, wither before or after termination of credit card privileges, to offset a cardholders indebtedness arising from a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer., which is fraud. When I spoke to someone on XX/XX/XXXX, I was told that that I had been refusing to pay the balance, which is not true. I spoke with XXXX different XXXX letting them know what the situation was and that I was waiting to get a response from NFCU, once my complaint was completed, we could discuss the alleged debt. The times that I spoke to someone were supposed to be on a recorded line and I have been trying to get a copy of the recordings to prove that I was not stating I would not take care of this alleged debt. They have lied and committed fraud more that XXXX times in my accounts alone. I am sure that this has happened to other people and this is not right. They have also committed fraud as described in XXXX XXXX XXXX XXXX ( b ) ; XXXX XXXX XXXX ; XXXX XXXX Code XXXX and several others that I have not mentioned. 
The original claim was opened almost XXXX weeks and 2 days ago and I have not received any response/resolution for this matter. This is the last complaint that will be filed before I start litigation. I have attached all of my supporting evidence.
Product: Credit reporting

Can not receive free credit report online from Experian through XXXX. For at least two years, anytime I try I get this message : " We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. '' I do not have any trouble getting the free credit report from XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2024 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Personal Information on Credit Report Dear Equifax, I am writing to formally dispute the inaccurate information on my credit report as provided by Equifax. I use XXXX names XXXX XXXX XXXX, XXXX XXXX XXXX I will upload a screenshot, a copy of my electric bill, insurance information.Equifax displayed on XX/XX/2024 what they wanted to put on my personal information file. 

Please confirm receipt of this letter and let me know how you plan to resolve this issue. Under the Fair Credit Reporting Act, you are required to investigate my dispute and respond within XXXX  days. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING ITEMS ARE IN VIOLATION OF THE LAW. I NEVER RECEIVED ANY STATEMENTS FOR THE FOLLOWING ACCOUNTS WHICH IS IN VIOLATION OF US CODE 1666 ( A ) A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. UNDER 15 USC 1681 ( A ) 4, A CONSUMER AGENCY MUST EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS AND RESPECT FOR THE CONSUMERS RIGHTS TO PRIVACY. XXXX XXXX XXXX XXXX - XXXX - STATUS PAID AND CLOSED XXXX XXXX  - XXXX - STATUS PAID AND CLOSED XXXX XXXX - XXXX - CHARGED OFF - STATUS PAID AND CLOSED XXXX XXXX BANKRUPTCY DISMISSED - REFERENCE NUMBER XXXX XXXX XXXX, XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I received two charges of returned payment of {$5000.00} which total is {$10000.00}. And those two transactions were originally from XX/XX/XXXX, it's been more than half a year, and when I ask customer service or employees from wells fargo, their typical answer is " Whoa, I've never seen that before '' or " That's crazy ''. Then when I go to the bank for an inquiry, they told me that they do not have access. Because I wanted to check the statement from last year, and during this whole time the statement on the app or online is NOT available, they took a long time to mail the physical statement to me, and it's still the only resource I can check. The XXXX credit card customer service line has trouble answering my question then I have been transferred about 4-5 times or even more to different departments, and will be ended up doing some " investigation '' and took about 10 days to give me a roughly " answer ''. And when their email stated that they will waive the interest fee, the next time when I called, they are saying they don't do that. This whole process of transaction is very unclear and perfunctory, and the worst is that it directly causes an overdue balance over credit limit resulting in my credit score going down crazily, I can not get a good loan to finance a house for my family, and my mom is really upset about it.
Product: Credit card or prepaid card

Today, XXXX XXXX, 2021, while purchasing a XXXX XXXX airline ticket, I was prompted that I would receive {$300.00} off the ticket if I applied for the pre-approved credit card. I applied thinking that I would save some money. I did not receive the {$300.00} off when I finalized the booking. And now apparently I have a Chase/United credit card with a {$95.00} annual fee on top of the full airfare. I tried to cancel the card immediately, but with NO options to decline the card. What are my options to decline a credit card?
Product: Credit reporting, credit repair services, or other personal consumer reports

Suspect credit fraud, requested credit report multiple times and still have not gotten it. 

First tried online system ; that didn't work, perhaps because I live overseas ( XXXX ). Then tried phone system ; that didn't work either - said it couldn't identify me, even though I gave my current XXXX mailing address. 

Then I mailed Annual Credit Report Request form to Experian ( via Annual Credit Report Request Service ) 3 times : - first time summer XXXX - second time sent it XX/XX/XXXX - third time sent it XX/XX/XXXX Mailed forms # 2 and # 3 to someone in the US, who then mailed the envelope to Annual Credit Report Request Service mailing address on form. So overseas mail was not an issue. 

Finally contacted Experian XX/XX/XXXX by phone ; answering system gave me the option of ordering my credit report, so I did ; it accepted my information and said I would get my report in 15 days ( around XX/XX/XXXX ), and then said " Your confirmation number is '' - and the system hung up. I still waited the 15 days before contacting CFPB. 

I need my credit report. 

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

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$6400.00} XXXXXXXX XXXX  XXXX Balance : {$5500.00}
Product: Mortgage

BB & T/Truist sold my mortgage to SunTrust/Truist ( moving money around on their books ) and early in XX/XX/XXXX I was contacted about being in default. I spoke to someone at SunTrust on XX/XX/XXXX. My mortgage is in COVID forbearance. 

On XX/XX/XXXX SunTrust sent me 64 copies of the exact same letter stating I was in default since XX/XX/XXXX. 64 copies seems like harassment so I called them. They couldn't give me a good reason for why 64 copies of the exact same letter were sent on the exact same day. 

Since then, I've continued to get certified letters stating if I did not bring my account current they would begin foreclosure proceedings. 

I'm stressed out by all this garbage ; 64 letters seems excessive but to switch to certified mail threatening foreclosure after I had contacted them and confirmed my mortgage was, in fact, in forbearance has caused mental breakdowns due to stress created by the thought that I may be homeless before the end of XX/XX/XXXX.
Product: Debt collection

The company I'm reporting is diversified consultants. They have been harassing me since 2016 about a debt that isn't mine, they call me at all hours of the night and day from various numbers disguised as local numbers
Product: Debt collection

I received a copy of my credit report in XX/XX/XXXX of this year and I noticed an account was placed in collections and I sent a letter to the collections agency asking for debt validation and I never received a response I again sent another letter in XX/XX/XXXX and Ive mad numerous calls with no success. This is not my debt and I am being ignored
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a complaint to the CFPB regarding Experian and XXXX XXXX on XX/XX/XXXX ( report # XXXX ) and still to date, the complaint is opened because Experian did not do a proper investigation and has allowed the creditor XXXX XXXX to stay on my credit report after they failed to reply to the dispute/complaint within 30 days. It has been well over 30 days since I placed the complaint and since Experian responded on XX/XX/XXXX that they are still waiting on information from the creditor named XXXX XXXX. XXXX XXXX has not responded to Experian regarding my complaint of my account having fraudulent charges, due to identity theft and about the charges still not being settled and regarding my balances on both credit card accounts ending in XXXX and XXXX being incorrect. The balances are incorrect and I am asking that Experian remove the XXXX XXXX balances from my credit report. XXXX XXXX was given plenty of time to respond to Experian and the CFPB and they have not. It's been over 40 days since my complaint and dispute. This is a serious dispute because my identity was stolen and fraudulent charges were made on my XXXX XXXX account and still to date, after 40 days, Experian has allowed it to stay on my report, even without the creditor XXXX XXXX not responding after 30 days.
Product: Money transfer, virtual currency, or money service

Recently, my phone was stolen, and during this time, several transactions were made to transfer funds to my XXXX XXXX account without my consent. I have substantial evidence, including video surveillance, that confirms these transactions were fraudulent. 

XX/XX/year> ( {$150.00} ) {$0.00} ( {$150.00} ) PAYMENT SENT XX/XX/year> ( {$160.00} ) {$0.00} ( {$160.00} ) PAYMENT SENT XX/XX/year> ( {$150.00} ) {$0.00} ( {$150.00} ) PAYMENT SENT XX/XX/year> ( {$150.00} ) {$0.00} ( {$150.00} ) PAYMENT SENT XX/XX/year> ( {$170.00} ) {$0.00} ( {$170.00} ) PAYMENT SENT XX/XX/year> ( {$50.00} ) {$0.00} ( {$50.00} ) PAYMENT SENT XX/XX/year> ( {$150.00} ) {$0.00} ( {$150.00} ) PAYMENT SENT XX/XX/year> ( {$150.00} ) {$0.00} ( {$150.00} ) PAYMENT SENT Before I was aware of the video evidence, I disputed these transactions via the cash app app. However, I have since struggled to communicate additional information to support my claim due to the automated response system. 
Moreover, my account was closed for allegedly violating terms of service, which I believe is a direct result of the fraudulent activity conducted by another party. This decision was made without proper investigation or consideration of the evidence I provided or have attempted to provide, including past transaction patterns that were willingly made and are unrelated to the disputed charges. 
Under Regulation E, I am entitled to dispute unauthorized electronic fund transfers and request an investigation into such matters. I am seeking a thorough review of my case, the reopening of my account, and the return of the stolen funds. The supporting documents I received only reflect the disputed transactions that's all, and do not account for the unauthorized access to my account or show me how they supported them making their decision to deny my disputed transactions. I feel I did not receive a reasonable investigation. 
Despite having surveillance evidence of the theft and previously informing your support team that I recognized the individual, it seems my claim has been dismissed based on our past transaction history. 
This is a serious matter that not only involves financial loss but also a breach of security and trust. I urge cash app to reconsider the evidence provided and acknowledge the gravity of the situation. The fact that I had sent money to the same person in the past should not negate the current fraudulent activity. 

They also returned two payments that were sent to me one for {$500.00} and another for {$100.00} - ( not even on the dame day the money was stolen- entirely different days and unrelated to disputed charges ) why?
Product: Debt collection

I 've sent several letters to USCB Corp., requesting owner validation of debt and, ( although the account is in collection ) I was told by the collection agency mentioned above that, " We are not the owners of this debt. We have been hired by XXXX Schools to collect your past due tuition ... '' They went on to say, " You can certainly contact the school directly ... '' I recently learned the FCRA and FDCPA, legislations, and that I have the right to request " documents and evidence as proof that they are legal owners of the debt and that they can legally accept payment on it ''. If the collection agency does not or can not fulfill the request, the debt is supposed to be removed. 
It is also my understanding, that the collection agent should not suggest I fill out forms to validate the account, or suggest I call the original creditor, to validate that the collection agency is legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both Experian and XXXX are reporting incorrect information to financial institutions.They are reporting adverse factors adversely affected my credit scores that include serious deliquency and XXXX also includes time since delinquency is too recent or unknown. This has been reported to 3 different financial institutions this year. After each time I contact both agencies, I am told there are no delinquencies on my credit report. They deny supplying the adverse factors. On XX/XX/2018 I called XXXX  to dispute the reporting of a serious delinquency affecting my credit score and was told that I had no delinquencies reported? 3 of my credit cards use XXXX for the FICO score with the statement : The score was based on XXXX data and the key factors provided. 1. Serious delinquency - Fico Scores consider the presence of serious delinquency ( very late payment ) on person 's credit report as a powerful predictor of future payment risk. 
The problem is I have never had delinquencies plus none shows up on my credit report, so even lawyers who help repair credit can not help since it does not appear on my credit report. I am at a loss at how to get these two agencies to stop from sharing false information as it is hurting my credit. I am praying that this complaint will help to get them to correct this problem. XXXX is the only agency who shows my correct credit record ... never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Product: Checking or savings account

Our account at Discover Bank was hacked. The bank allowed someone access to our account and the person was able to prematurely cash our CD 's with penalties transfer the funds to our High Yield savings acct and create a wire transfer to remove those funds. I was able to intervene and stop the wire transfer. Fortunately, there were some employees who were helpful, and we were able to reverse the transfers and receive credit for the penalties. However, this is entailed over 8 hours on the phone with very little help. The main problem is we asked the bank how this could happen and their answer was they could not help us because retaliation. I told them I was almost XXXX XXXX XXXX and did not want to pursue anyone but wanted to know how it happened so I could protect my other bank accounts. I asked to have someone in authority to call me and never received a call back. Therefore, I wrote a letter to XXXX XXXX XXXXi executive VP & President of XXXXXXXX XXXX. I then received a call from a person in his office who was arrogant at best and when My wife who was very upset took the phone her comment to my wife was mam be professional fraud happens. My wife was upset because of the anguish and time this caused and I had just had a XXXXXXXX XXXX in XXXX.
Product: Checking or savings account

I was charged monthly service fees despite having direct deposit of over XXXX XXXX/monthly, and over {$1500.00} balance in the account. This is wrong. And apparently it has been happening for years to millions of customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with fraudulent collections and fraudulent unauthorized inquiries