23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Has violated my rights I looked at my Transunion report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher 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 suppose to 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: Debt collection

I had a debt collection with Miland funding and I didnt pay it on time so my account was handed to XXXX XXXX XXXX. I paid my debt in full with XXXX XXXX  XXXX in XX/XX/2019. 
Both ends were clear, now midland funding is saying that I owe money but when I call them, in their system it says that Im clear BUT that they need to keep the amount debt there until they get a paper from XXXX XXXX XXXX that it has been paid off. 
XXXX has sent both, myself and miland a paper saying its been resolved but miland funding isnt not clearing the issue which is ruining my credit. I have talked to the company 3 times and nothing has been resolved.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this.Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX 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

Re XXXX XXXX XXXX XXXX XXXXXXXX Opened - XX/XX/2017 I was a cosigner for my father on the above-referenced account he used the vehicle, and he made all the payments on it, and we returned it. 
For some reason, the odometer and damage disclosure statement was never filed. This was a mistake by the dealer. After working on this for a while I finally got hold of this statement and its attached to this letter. 
When I spoke to the bank they explained to me that the dealer called them and told them that they got the vehicle from me and they should come pick it up but when they came to pick it up, they found it in a body shop. so they did not want to pay the money that the body shop asked for the vehicle, so they never picked it up The dealer is a representative of the bank since I returned it to the dealer and the bank confirmed that the dealer received it for me without any damages it is not my responsibility to get it from the dealer to the bank. 
This account should be deleted from my name immediately This account with XXXX XXXX many times but they completely ignored me. Every time I called, they explained to me that they could see that I gave it back to the dealer but they never picked up the vehicle from the dealer I also disputed this item with the credit bureaus but I've got no reply from XXXX XXXX Please see the documentation attached. 

This is extremely unlawful, that I have to go through such hard work and pain because I was denied several mortgages because of something I had no idea about. the dealer never notified me that it was not picked up, and XXXX XXXX never notified me that they never got it from the dealer they just put it on a collection of my reports
Product: Student loan

I requested an Earnest account for my tuition at XXXX XXXX. After I requested the loan I found a way to pay for the tuition without the loan. Earnest sent me a notice that the loan was dispersed to XXXX on XX/XX/2022. 

I asked XXXX if they received the payment and could they return it to Earnest? They did not received payment from Earnest. This was confirmed by XXXX on XX/XX/2022. 

Earnest stated they had dispersed the loan. XXXX does not have the funds on XX/XX/2022. Earnest will not cancel the loan without the funds being returned. 

Earnest charged me {$25.00} payment of funds that were not dispersed to XXXX. Asked Earnest again to cancel the loan. They stated they could not until the funds were dispersed on XX/XX/2022. XXXX again states no funds received. 

XX/XX/2022 Second payment is now due on a loan that has not dispersed to XXXX. I can not get the loan cancelled. There is no number for servicing. All correspondence is via email. Some emails go unanswered. Tuition is due in full on XX/XX/2022 and still no dispersement from Earnest. However, both payments are now due. This is impacting my credit and my opening of a loan for a mortgage. I have all billing and email correspondence for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX, NY XXXX ( XXXX ) XXXX. Spoke to XXXX XXXX in the Dispute Department about XXXX XXXX XXXX reporting an individual account as a " Collections '' account on my credit report after the account has been settled and paid. The account was paid off on XX/XX/XXXX with a XXXX balance owed. Yet on XX/XX/XXXX XXXX reported to the credit bureaus this account as a " Collections '' account. The account was previously a bank card with XXXX XXXX XXXX XXXX. XXXX purchased the account and I settled with XXXX on XX/XX/XXXX with a XXXX balance. I believe to report this as a collections account in XX/XX/XXXX was a violation of the Fair Credit Reporting Act ( FCRA ) and was arbitrary and capricious. THERE WAS NO BUSINESS JUSTIFICATION IN XX/XX/XXXX TO REPORT THIS AS A COLLECTIONS ACCOUNT. XXXX XXXX, on behalf of XXXX refused to consider my request to correct this account on my credit report and to remove this information as " Collections ''.
Product: Credit card

On XX/XX/year> I refinanced my revolving credit to include my XXXX XXXX credit card debt. In the month proceeding XXXX called me regarding not receiving payment for XXXX. When I learned that my lender did not pay off the entire balance owed to XXXX and that a balance remained I paid the monthly payment by phone. The XXXX card was blocked for lack of payment however when I paid the amount owed on XX/XX/XXXX the representative told me the card would be available for use I 2 business days. 
However still on XX/XX/XXXX the card is blocked and per dime interest continues to accrue. When I called XXXX they refused to release the block on the account and continues to charge interest although no balance is owed.
Product: Mortgage

Having researched and found the owner of XXXX XXXX XXXX in XXXX, California I was offered an opportunity to buy the property for approximately {$600000.00} ; an estimated market rate for the derelict property. According to the owner, the house was purchased from a XXXX XXXX named XXXX who was starting a business and it seemed right to sell to a XXXX who attended XXXX and was trying to start a business. Despite the owner 's repeated attempts to sell me the property, the XXXX XXXX Wells Fargo refused to.return my phone calls and merely ignored the requests of the owner and myself. Therefore I filed a complaint with the CFPB and Wells Fargo responded. In their response, they promised to notkify me when the property was ready for sale. Not.only did they fail to.notify me, but they sold it based on fraudulent financial data and the purchaser was convicted criminally. The property has been renovated and is now actively listed for {>= $1,000,000}. I lost out on potential earnings of {>= $1,000,000}.
Product: Debt collection

i see a fraudulent account added in my report. Kindly remove it as soon as possible. Thank you. 

XXXX XXXX XXXX date opened XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent.

Please remove, block or provide me with your investigation results in written form through the USPS for this account : XXXX XXXX XXXX XXXX
Product: Student loan

I have been making payments on my student loans with Navient ( previously Sallie Mae ) for years. I have been struggling to make payments consistently and even now, the only programs they offer me are interest only payments which still are close to {$600.00} per month. The only reason I can afford them right now is because there are no payments on Federal Loans until XXXX, so my payments are {$300.00}. 
In the past, they constantly said they could only put me in forbearance which had a cost associated to it ( I think {$100.00} per loan ) which would only freeze my payments temporarily ( I think two months ). I would still accrue interest and it wouldn't help low my payments. Today, I still struggle to make payments and the only thing they offer me is interest only payments which are still too high and not going towards the principal. 
Additionally, at the time I took out private student loans, Sallie Mae was giving out private loans with very minimal restrictions. I used some of this money for private colleges that I never received a degree on and towards cost of living while in school. My loan balance quickly became high with little to show for it. I was a young borrower and a first time student loan borrower. There should be more restrictions, oversite, regulations and educations for borrowers so that they make the best loan choice. Knowing what I know now, I would have never borrowed a private loan and would have only selected federal loans. I believe they persuaded me into private loans by advocating that they were easier than federal loans to obtain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a report from Experian stating I received a negative report on my credit history. I contacted them and Experian sent me a report from Experian  XXXX   XXXX . The report lists a Late rent payment made in  XXXX    XXXX   to management of  XXXX   XXXX .     I am not the responsible party for the late payment. I attempted to make direct payment by check to their office several times, as I have always done on prior occasion, to no avail.      1. Exterior  " after hours '' payment drop box was fixed shut so as not to allow direct payment via this method ( as normally done for previou s two years ).     2. Office was ( understandably ) close d on  XXXX   XXXX   ( d ue date ).    3. Office w as also closed all day Monday,  XXXX   XXXX . I attempted payment delivery before going to work, and again after work  4.  On  XXXX   XXXX , I again attempted payment delivery around  XXXX  before going to work but office was not yet open. Upon return after work around  XXXX , I yet again attempted delivery but office was closed.    XXXX . On  XXXX   XXXX , I delayed going to work until office opened at  XXXX  and handed payment to office personnel, then went to work late.     The following day I received a rather unseemly note attached to my door stating that my payment was late and must be payed immediately by cashiers check to also include a late payment fee of {$120.00}, even though my payment had been accepted by office personnel the previous day. As a resident of this facility for some three years, having always paid my rent on time, and given all my attempts to pay on time in  XXXX , plus the fact that the " after hours '' drop box was disabled AND the office was actually closed and not accepting any payments for  two of the first three da ys of  XXXX , I was completely dumbfounded by this response and advised management so. At that time they apologized and told me my check was accepted and rent was considered paid.   However, the following week I was told that I still must pay the late fee of {$120.00} even though management had made the possibility of punctual payment near impossible.     I judiciously try to maintain a credit rating above  XXXX  at all times. I fully believe I made all reasonable attempts to pay this account on time and feel it is management 's mutual responsibility to take measures making client payment as convenient and reasonable as possible as well. It is unfair to taint my credit history with a late payment solely as a result of management 's measures to make client payment so very difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Trans Union have all failed me. They must remove this damaging item off of my credit file. This account was already investigated via certified mail back in XXXX and was removed.They have allowed another company to alter information and fraudulently report an account under my credit file again. I received alerts from XX/XX/XXXX and XXXX that XXXX XXXX XXXX opened an account and reported to the 3 bureaus fraudulent information. They remarked my credit file stating that an account for 11-XXXX was set up as new account on XX/XX/XXXX. This issue was already disputed back in XXXX and XXXX through certified mail and was removed from my report because of fraud. This debt does not belong to me. This creditor XXXX XXXX XXXX has opened a new account and added {$1.00} to the previous account reported. The item that was originally removed in XXXX was under XXXX XXXX  for {$400.00}. XXXX XXXX XXXX is reporting {$400.00} to all three bureaus which is not accurate.
Product: Money transfer, virtual currency, or money service

My wife sent XXXX to my business b Venmo account. They in turn suspended not only my account but hers Also. We both provided all documents asked for an Venmo respond saying a vague policy reason.An refuse to open account and access money. Them says have wait XXXX just in case charge back. Which is impossible because the account has no card attached. 
That was Bill money and placed us in financial hardship. I ask to be able to access our funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help. I have always paid my bills including my mortgage, car loans, and credit cards as agreed and on time. I stay within my monthly budget. I have a good stable job with the XXXX XXXX. 
My complaint is about XXXX 's credit score and monitoring system is in need of a major overhaul! The system is punitive and disproptionatly calculates a consumer 's credit score that results in a negative score. Thank you.
Product: Debt collection

Subject : Follow up information regarding Treasure Offset Program ( TOP ) Reference number : XXXX I had filed a complaint in regards to XXXX XXXX XXXX XXXX XXXX ( XXXX ) and a third party collection agency Transworld Systems , Inc. 

I filed my complaint on the following basis. 
1. Did XXXX sent me a letter in regards to Treasury Offset ( TOP ) 2. Transworld never advised per letter that they will collect on debt 3. Transworld added further fees to benefit themselves at my expense. 
4. Any attempt to contact XXXX to re solve this matter was not accomplished. 
XXXX  refused to assist on resolving my concerns with the excuse by customer service that I was fully aware of a debt. 
5. Attempt to communicate with Transworld was with excuses to collect and I spoke to a supervisor that refuse to assist in resolving the matter any further. I was treated unfairly and with disrespect. 
Soon after I filed my complaint with the FTC consumer complaint ( XX/XX/XXXX ) the following occurred. 

Consumer Financial Protection Bureau, provided me copies of Transworld debt collection ( itemized ) they continue by saying of Federal laws protecting my rights but my rights were not protected why I tried to resolve this matter before my complaints. Secondly, all documents received by CFPB and attached to me on the resolution could not be read. Why CFPB did not notice this matter. 

XXXX, then proceeded to send me documents of the same attachment. XXXX  sent statements and a letter in small font ( required magnifying glass to read ) and if I had concerns of my right to communicate this with XXXX, again prior to my complaint, I called XXXX trying to resolve this matter and they continue to say you know you had a debt! Why call if they will not listen to me and try to get this matter without a third party collection. 

The problem, I read per XXXX  letter provided by Transworld XX/XX/XXXX XXXX  : if you do not pay your debt or take other actions described below within 60 days from the date of this Letter. ( XXXX XX/XX/XXXX ) 60 days from XX/XX/XXXX is the first week of XX/XX/XXXX. The agreement has been violated and the law broken. Both XXXX and Transworld has conspired to insure my Federal Tax Refund is taken away regardless of the agreement set forth in XXXX  letters. 

My Federal Tax refund dated for XX/XX/XXXX of {$540.00} was taken away from me. 

I am aware of the TOP law since I work for an agency that handles this type of collection. We advise of the 60 day rule and collection will not be prior to the 60 days.
Product: Vehicle loan or lease

I recently looked at my credit report and seen Santander financial showing as closed account/ bad debt with a charge off amount but car was totaled and insurance paid off the the loan, and I had gap insurance coverage insurance was through the general so should not be showing as a charge off