23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I requested validation of debt from this company several times and have received any. 
following is violated as of today : 1692 c After written notification that consumer refuses to pay debt, or that consumer wants collector to cease communication 1692 d Any conduct the natural consequence of which is to harass, oppress, or abuse any person 1692 e Any other false, deceptive, or misleading representation or means in connection with the debt collection 1692 e ( 2 ) Character, amount, or legal status of the alleged debt 1692 e ( 5 ) Threaten to take any action that can not legally be taken or that is not intended to be taken 1692 e ( 8 ) Threatens or communicates false credit information, including the failure to communicate that a debt is disputed 1692 e ( 10 ) Any false representation or deceptive means to collect a debt or obtain information about a consumer 1692 f Any unfair or unconscionable means to collect or attempt to collect the alleged debt 1692 f ( 1 ) Attempt to collect any amount not authorized by the agreement creating the debt or permitted by law
Product: Credit reporting or other personal consumer reports

AFTER SUBMIT A COMPLAINT WITH COLLECTION AGENCY, BELOW WILL BE THEIR ANSWER XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) is a debt collection agency. The complainant has previously filed a complaint under Reference XXXX. The complainant alleges that the product or service is a payday loan in this current complaint. After a thorough review of our records, we can confirm that the complainant has no accounts with our office related to a payday loan. Should the complainant require further assistance or clarification, they are welcome to contact our Chief Compliance Officer, XXXX XXXX, at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

I just checked my credit and found out that this bank is fraudulent reporting this account to my XXXX credit bureaus
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inquiries listed below on my consumer credit report, which are the result of identity theft and fraudulent activity. I demand verifiable proof bearing my signature or electronic signature to substantiate these inquiries. I did not authorize these actions, and their presence on my credit report constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

I have contacted the companies responsible for these inquiries and found that the actions were initiated without compliant validation or original proof of my authorization. These inquiries are therefore inaccurate and the result of either identity theft or the illegal reporting of my consumer information by creditors or third-party data furnishers. 

I request that you take immediate action to investigate and remove these inquiries from my credit report. Please provide written confirmation once this matter has been resolved.
Product: Payday loan, title loan, or personal loan

Cumulus Align - not sure of the exact legal name since it appears to have changed is the epitome of " loan sharking ''. I secured this " income sharing '' loan which was not correctly explained to me by the agent, with the very clear definitive understanding I was agreeing to a 36 month term. Since I have this set to auto-pay I was not watching my balance but knew that the term should be ending in XXXX of XXXX. I requested a statement because I noted a date on a incomplete form I received that showed the maturation date as XXXX, XXXX. I was immediately alarmed and knew it was an error. I immediately contacted the company first by telephone with no success and then by email. I challenged the term and was sent an electronically signed document that was associated with my email address but the esignature did not match the font or name I use and more concerning was that the term of the loan was on a page well after the signature page where it showed the term to be for 48 months. A term of 48 months would mean that a loan for {$12000.00} would be a payback of over {$30000.00} which is more than 200 % interest. They don't talk about interest rates but they only talk about a percent of your income and sell you on the concept that if your income does down then so does your payment. The confusing and clever use of language initially led me to refuse the loan. The agent continuously called me pressuring me to take the loan and again we agreed that it would be for a term of 36 months. I never received any documentation until I requested it. Someone modified the document because I the term was so emphatically clear and stated by me several times. This is not only deceptive loan practices but a clear abuse of consumer protections. I refuse to pay more than {$30000.00} for a loan of {$12000.00}. Note the eSignature uses my middle name which is NO WHERE on any other documents.
Product: Credit reporting or other personal consumer reports

I am reporting a fraudulent inquires found in my credit report XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Company/date - XXXX XXXX XXXX XX/XX/XXXX Company/date- Global lending Service XX/XX/XXXX Company/date- XXXX XXXX XXXX XX/XX/XXXX The fraudulent accounts listed above is not mine. 
I have not supplied proof under the doctrine of estoppel silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Debt collection

Sent to debt collector : I am writing to you to dispute your collections debt on account XXXX as well as any other accounts under my name. 
According to Public Law 117-2, American Rescue Plan Act of 2021 ( ARP ), Section 8007 signed XX/XX/XXXX, all Veteran copayments for medicare and pharmacy services provided XX/XX/XXXX through XXXX XXXX will be canceled. 

Please provide any evidence that these debts do not qualify or have not been canceled.
Product: Student loan

Navient used highly deceptive practices on my XXXX  student loan that I co-signed for. The college and its staffs utilization of terms like XXXX XXXX basically coerced a teenager into a very serious lending agreement with no explanation of terms. A portion of my social security has been withheld since I retired. I am XXXX. 

After only attending for 2 years, he began receiving collection calls stating he owed XXXX, which went up to XXXX. My son felt legitimately scammed, and filed numerous disputes with the credit bureaus along with Navient. Luckily he had the loan relieved and removed from his credit in XXXX. 

Navient still however has not removed it from mine, and has been withholding it from my social security since my retirement. I have reached out dozens of times, called the XXXX, requested school misconduct discharge application, no responses from Navient. 

Please add transparency guidelines to the financial aid offices of these colleges. Students and parents have to fully understand the terms of these loans being that are disguised as quick financial aid for books, by the teachers etc. Many working class parents know as little about finance as the kids do. Nobody ever called me outlining terms. No explanation of penalties, interest, nothing. How is this not a crime? XXXX accountability for the fraud being committed here. 

Please have Navient remove me from this student loan, I am a XXXX XXXX XXXX American taxpayer. Stop with the scams, any other company would be in jail for XXXX XXXX minded criminality.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning the handling of my credit report by the three major Credit Reporting Agencies ( CRAs ) Equifax, XXXX, and XXXX. After reviewing my credit report, I discovered a significant number of inaccuracies, including multiple unauthorized inquiries, which I did not consent to and am unaware of. Upon noticing these errors, I suspected that I may have been a victim of identity theft. 

To address my concerns, I immediately reported these discrepancies to the CRAs, informing them that I believed I was a victim of identity theft. However, I am deeply disappointed to inform you that the CRAs have failed to act in accordance with the law and did not remove the unauthorized information from my credit report, despite my clear communication. 

According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, when an individual notifies a CRA that they have been a victim of identity theft, the CRA is legally obligated to block any information related to the identity theft from the credit report within four business days. The law also requires that they investigate claims of fraud and provide a timely resolution. 

Moreover, under Texas Penal Code Section 32.51 ( Identity Theft ), it is a criminal offense for someone to use another persons identifying information without consent. I am reporting a situation in which my identity appears to have been used fraudulently, and I am being burdened with the fallout of this crime, despite my efforts to resolve the issue. 

Additionally, the Federal Trade Commission ( FTC ), in compliance with the Identity Theft and Assumption Deterrence Act ( ITADA ), mandates that upon being informed of a potential identity theft, CRAs must take immediate and appropriate action. The CRAs must either remove or block any fraudulent information from the report. By not adhering to these guidelines, the CRAs have failed in their statutory duty to protect consumers like myself. 

I am demanding that the CRAs immediately remove all unauthorized inquiries and correct the inaccurate information on my credit report, as required by law. Their failure to do so is leaving me in a precarious situation, where I am being wrongfully treated as the person at fault, while I am, in fact, the victim of a crime. If these matters are not addressed promptly and adequately, I will have no other option but to pursue legal action, including litigation, to protect my rights and restore my credit. 

I respectfully request that you intervene on my behalf to ensure that the CRAs are held accountable for their failure to act in accordance with federal, state, and FCRA laws, as outlined above. It is imperative that I be treated as a victim of identity theft, not as someone at fault for these unauthorized actions. 

I appreciate your attention to this urgent matter and look forward to a timely and thorough resolution. Should you require any additional documentation, please do not hesitate to contact me, I am also attaching my Identity Theft Report and the letters I sent to the CRAs
Product: Credit reporting, credit repair services, or other personal consumer reports

This information has not been validated. They have caused me to be denied and not been able to secure financial stability for my family. I have disputed this information more than 4 times and it does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. 

This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of  the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act These Accounts ; HAVE VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX 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 an account without my written instructions. 

In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.
Product: Payday loan, title loan, or personal loan

I have made two extra principle only payments on my loan and what they have done with those payments is take that amount and are applying it to future amounts of principle payments thus making my future payments apply towards interest only. This does not make my payoff date any sooner, theyre just milking more money out of me hoping I dont notice.
Product: Debt collection

Dear Staff, I need to be contact by the ORIGINAL CREDITOR, i dont speak to third class people who want to pay pennies for dollars owed and try to harass someone and iintimidate someone and threaten someone for something they never were owed, i believe this is PRICE GOUGING which is a crime by itself, they buy someone else 's debt peennies for dollars owed and try to harass others by trying to be a smart XXXX. 

I DONT OWE A XXXX TO ANY DEBT COLLECTOR, and i would like to seek action of price gouging against them. 

IF someone believes i owe debt, I need to be contacted by the ORIGINAL CREDITOR I do not need or want to be disturbed by XXXX XXXX XXXX who think they can make wealth out of someone by threatening and intimidating and making harassing calls which are all CRIMES by itself
Product: Checking or savings account

Bank of America closed my checking, savings, and credit card accounts without any reason. I strongly believe that Bank of America applies discriminatory approach due to nationality. Many people in my geographical area with the same nationality ( XXXX  ) are being discriminated by Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX  XXXX & they told me I've never missed a payment, yet Equifax refuse to remove me from being listed as 120 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile.
Product: Credit reporting or other personal consumer reports

I have sent multiple attempted for the last 4 Months for a proper investigation regarding the violations of several FRCA Laws. Violation 605B " it is illegal to report information on my credit report without my permission and to please remove. " NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617.

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file.

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. 
A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified, Consumer Disagrees that these items are being reported correctly? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( The original entire purchase agreement associated with this alleged obligation NOT a copy! The consumer contract with my signature on it. The agreement that grants the authority to collect on this alleged debt. An explanation of what this alleged account balance is for. Swear under the penalty of perjury that you were present for this alleged debt. A copy of your license to collect a debt in the state of Florida which XXXX XXXX XXXX does NOT have! A color copy of my Drivers License verifying and validating this debt. ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. You are also in violation of 15 USC 1692g ( b ) and 15 USC 1692c ( c ) I am not participating in the collection of this alleged debt so your agency is in violation of 15 USC 1692j and 15 USC 1692d The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit card or prepaid card

I have been violated by Goldman Sachs according to FCRA Section 1681 and Section 1691.
Product: Debt collection

I checked my credit report to find information that don't belong to me please have this item verified with my original signature. I would like to have this removed.
Product: Vehicle loan or lease

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

KIKOFF LENDING LLC is currently showing XXXX  days late for the month of XX/XX/2021 in XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Payday loan

XXXX/Ohio. Called CheckSmart to arrange payments BEFORE loan in default ( due to legal situation, court with ex, etc ). Advised to default on loan, then I was told they would call me and I could make payments for a duration of 45 days. I did as they instructed me to. I defaulted, and awaited a call. However ; I did not receive a call and they debited my bank account for the full amount due causing me to go negative {$500.00} and we 're looking at {$300.00} in overdraft fees since I already set up my account to automatically send checks on my other bills. Called CheckSmart default loan/department and was basically laughed at by a worker then a " manager '' as it says in my contract they can debit my account. HOWEVER - they instructed me to go to the store and reloan as the best result since THEY did not keep our agreement. Had they told me they would debit my account, I would have tried to find a way around defaulting. I was trying to do the right thing since I am in a legal bind and paying a lot of money to my attorney to fight for me in court. This really set me back by far. Now not only am I out this money, I 'm out a lot more in fees and frustration.
Product: Credit reporting or other personal consumer reports

XX/XX/year> A representative named XXXX from XXXX XXXX came to my home to give me a free quote for a new roof. He quoted a cost of {$47000.00} and said that he wanted to do a soft pull on my credit to see if I qualified and that I would have 3 days to opt out if I did not want to take advantage of the offer. After he left I did some research on the company and after reading several poor revues decided to shop around, so I contacted XXXX the following day to tell him and he replies that the materials and crew have already been ordered and paid for so he is willing to cut the price by {$4000.00}. Again I told him no. Then he counters with {$27000.00}. Again NO! 
A week later I receive a credit card in the mail issued by XXXX XXXX  with my name AND XXXX XXXX on the front of the card. I then checked my credit report and found that XXXX did 3 hard pulls on my credit until he found an amount that would be accepted, the limit on this card is for {$22000.00}. 
I've tried but to no avail. I've contacted the credit bureaus to have this removed and was told that your agency is my starting point. 
XXXX 's ethics are fraudulent and he needs to be punished to the full extent of the law. 
All of my subsequent communications after my initial meeting with XXXX were via text messages so I have written proof of my allegations.
Product: Debt collection

Received XXXX/XXXX/XXXX a statement of debt claiming to be owed to XXXX for tuition that should have been paid in full at beginning of semester by organization that assisted persons with XXXX. Many correspondences between myself, the organization, and the school in regards to this occurred debt, but the collection agency, security credit systems Inc is very hurtful in their corresponding letters addressing I make payment. The letter for the date mentioned above is phrased in such away that feels abusive and actually made me cry! They are very Distasteful in the way they correspond! Threats to pursue other measures are not OK considering I am still corresponding with the original parties related to this owed money.
Product: Credit reporting or other personal consumer reports

Ally Auto is reporting XXXX & XXXX as late, and I have proof that I paid {$360.00} in XXXX & then I paid the vehicle off in XXXX. I disputed this multiple times, and it still has not been corrected.
Product: Student loan

My concern is that I was recently informed by Nelnet that I do not qualify for the Public Service Student Loan Forgiveness Program. I have been a XXXX XXXX for 10 years beginning in XX/XX/XXXX, and therefore have made over 10 years worth of student loan payments to Nelnet. I consolidated my student loans in XX/XX/XXXX when I graduated from XXXX XXXX. 

I was told that I do not have the right type of loans to qualify for the forgiveness program. This comes after YEARS of understanding that I would qualify for the program. Nelnet has recently indicated that the only way for me to qualify for the forgiveness program is to re-consolidate my student loans and make 10 more years of payments since none of my previous payments would qualify. 

I feel like Nelnet and the Federal Government has mislead me with an understanding that I would qualify for the forgiveness program. 

Thank you