23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I recently received a communication indicating that the IDR application to SAVE I submitted in XXXX was denied because MOHELA determined that I improperly self-certified my income. That determination was made in error. I included in my initial IDR application a copy of a letter from my employer indicating my income, which is listed on MOHELA 's website as an acceptable form of income verification. 

Nevertheless, I submitted another IDR application to the SAVE program this morning in which I included both my employer letter and my W2. 

I then called MOHELA 's representatives to ask that I be placed back into the special administrative processing forbearance for SAVE. I was on hold for 2.5 hours before I was able to get a live representative. Once I described my problem, the representative transferred me, at which point MOHELA 's automated system told me that the wait time would be nearly four hours. 

I then used the callback option. No one called me back. 

Now that I have been kicked out of the SAVE processing forbearance, loans worth over {$2000.00} are due in two days. I have no way to put myself back into the processing forbearance because MOHELA will not let me speak to a representative, instead leaving me on hold for hours on end or not returning my call after I use the callback option.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 which 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, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX XXXX XXXX responded to CFPB complaint XXXX stating : " Your account was charged off on XX/XX/XXXX and we are no longer sending you billing statements. '' However, the collections agent XXXX XXXX assigned stated " Your account was recalled by XXXX on XX/XX/XXXX ; '' That is, XXXX XXXX recalled the account knowing full-well a billing investigation had not been conducted. Yet, without conducting a billing error invesigation, XXXX XXXX allegedly charged-off the account on XXXX XX/XX/XXXX. Under 12 CFR 1026.13 Billing error resolution XXXX XXXX was to have conducted a billing error investigation. They did not. Moreover, 12 CFR 1026.13 ( 2 ) states that Adverse credit reporting is prohibited. " The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. '' What XXXX XXXX did was conduct a billing error investigation post-facto, and then commenced furnishing negative payment history to the CRAs around XX/XX/XXXX. I have had to have it removed when I've caught it. Unfortunately, XXXX XXXX began reporting payment history again to the CRAs in XXXX of XXXX advancing deliquency status by thirty ( 30 ) days but have failed to send me a bill. It is incohate for a charged-off account to both be charged-off and past-due, advancing the adverse payment history every thirty ( 30 ) days. Finally, screenshots from XXXX XXXX website celarly show that out of the total outsanding balance only around four-hundred dollars is allegedly past-due, which is consistent with the adverse history furnished to the CRAs. Since XXXX XXXX is clearly furnishing payment history to the CRAs, while amditting they are no longer sending me statements, '' I am asking for the CRAs to remove the account/tradeline for this accout because the account history remains incohate due to the post-facto billing investigation. They have chosen not to comply with Federal law regarding Regulation / TILA, billing error investigations under 2 CFR 1026.13, collection practices under FDCPA, and data furnishing responsibilities under the FCRA.
Product: Debt collection

Received notice from I.Q. Data International pertaining to a debt that is inaccurate and charging interest, not agreed upon. Per 808. Unfair practices of the Fair Debt Collections Practice Act, under section 1 it is against the code for, the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
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, 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: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Experian and XXXX Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Experian and XXXX Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX XXXX : {$11000.00}.
Product: Credit card or prepaid card

I added a couple family members as Authorized users, they restricted my two 20 year old ( in perfect standing for 20 years BTW with not one missed payment ever ) Capital one accounts.

The demand ID/SS card etc, I send it in, they release the accounts, I then ask " Look I have a few more people to add as authorized users such as my daughter in law etc, if I add them will this happen again? '' they promised it would not.

guess what, I add her and BOOM restricted again and now they refuse to release unless I send ID/DD card and proof of address for EVERY single authorized user since the card began 20 years ago ... .. half these people I have not even spoken to in over a decade, some are no longer living etc. so now 2 accounts, over 20 years old each, in perfect standing can no longer be used YET they still charge the yearly fee ...
Product: Student loan

Called twice to ask for my account number for each individual loan reporting on my credit report. The associate claims they are not allowed to give it out to the consumer. Manager during the conversation that he needs to know what I need it for first. I told it qas for the irs. And he still refused. There is currently no way to get my full account without they're corporation. Account need to be verified and this company need to extorted for bad consumer practice. Please show the policy in which your not suppose to provide the clients information after they've proved to you that the account belongs to the person?
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXXXXXX Account Number : XXXX Reason for Dispute : The payment was marked as late, but I did not receive the periodic statement at least 21 days before the payment due date. 
Late Date : XXXX I am writing to dispute the following inaccurate information that appears on my credit report. Under the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date.

Additionally, if an open-end consumer credit plan provides a grace period during which the obligor may repay any portion of the credit extended without incurring an additional finance charge, such a charge may not be imposed unless a statement including the amount upon which the finance charge is based was mailed or delivered to the consumer not later than 21 days before the date specified for payment. In accordance with 15 U.S.C. 1666b, I request that the credit bureau conduct a thorough investigation of these items and correct or remove the inaccurate information from my credit report. You can also check below attachment that i am paying on time.
Product: Debt collection

DEPTEDNELNET is reporting on my personal credit file with ( XXXX XXXX credit reporting agency XXXX This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
DEPTEDNELNET XXXX Balance : {$0.00} DEPTEDNELNET XXXX Balance : {$0.00} DEPTEDNELNET XXXX Balance : {$0.00} DEPTEDNELNET XXXX Balance : {$0.00}
Product: Debt collection

Fraud has been committed on my consumer report, which violates the FCRA & FDCPA. National Credit Systems , Inc. is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required : * Purchase Agreement * Evidence that vou are a licensed debt collector *Chain of Title *Proof that vou are license debt collector to collect in my state. * A requested copy of your State Department of Commerce and Insurance Certificate. THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines deleted from my consumer report.

15 U.S. Code 1692e - False or misleading representations ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Product: Debt collection

I will attach all my correspondences with United Resource Systems , Inc whom I allegedly owe {$4800.00} to. As you will see, I have offered on numerous occasions to settle the amount allegedly owed in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form. On every occasion, they have either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially at XXXX hours on XX/XX/2018. You will see that their company attempted to communicate with me via telecommunications during the dispute process. You will also see that after time has expired to exercise equity in redemption, they post dated a response to fall within the time frame, forgetting or failing to realize that the electronic delivery method leaves a time stamp.
Product: Credit card or prepaid card

There are a couple of things I am complaining about Capital One Bank USA. Please see attached screenshot of my credit reports from the three major credit repositories. Highlighted are pieces of incorrect and inaccurate information resulted from this company 's negligence and none compliance with the Fair Credit Reporting Acting, causing me financially and at some point, stealing my right to acquire loans or acquire loans at a much affordable rate. The following are this company 's violations : 1. On XXXX or XXXX XXXX, I paid off this account, bringing the balance down to {$12.00}. Upon downloading my credit reports last XXXX XXXX and today, XXXX XXXX, I found out that this company is reporting me with a balance of {$1800.00}. This tells my future creditors that I am ineligible for a loan or I could get a loan at a ridiculously high rate! This account ref # XXXX shows incorrect balance which cost and is costing me financially. Also, by reporting this incorrect information, they are sending me my creditors a message ... that I owe them {$1800.00}. 
2. On that note, this company also is reporting me past due for {$320.00}. I 've got and been getting the same results/response from other creditors that I am not qualified for a loan because of this. I do not owe them this amount. 
3. They are reporting incorrect last payment date. On my credit report, they are saying that the last I paid them was last XXXX XXXX, The last time they updated the item was " XXXX XXXX, XXXX ''. Clearly, this is a proof that FCRA has been violated. 
4. Due to the incorrect balance reported, my credit has been ruined! On my credit report, it shows am about 185 % of my usage for this account.

5. The account opened date and closing date is incorrect and is not the same with the other bureaus. This is another violation of FCRA. 

Also attached to this complaint is a copy of the SC-100 form I filled up and ready to file if this item will not be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, the following accounts and inquiries have been made without my authorization. I am requesting that these accounts be blocked and deleted from my credit report in accordance with 15 U.S.C. 1681c- 2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Remove these inquiries, as I have no knowledge of them, and the company acted without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent police reports equifax is taking more than 45 days to remove my items that was taking off by their competitors
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Cancellation of Debt Reporting Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against First Progress [ Insert specific details about the creditor ], concerning their reporting practices related to the cancellation of debt, specifically in violation of IRS Topic XXXX. 

I recently became aware that XXXX XXXX has reported the cancellation of debt as income, which is in direct contradiction to IRS guidelines outlined in XXXX XXXX. According to IRS regulations, canceled debts are generally considered income and are subject to taxation. However, there are exceptions, and taxpayers are allowed to exclude canceled debt from their income under certain circumstances. 

I believe that XXXX XXXX has erroneously reported the cancellation of debt as income, and this has led to inaccuracies in my financial records. It is essential to rectify this situation promptly to ensure compliance with IRS guidelines and to avoid any unnecessary tax implications for affected individuals. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate actions to ensure XXXX XXXX adheres to IRS regulations regarding the reporting of cancellation of debt. Additionally, I kindly request that you communicate with XXXX XXXX to rectify the reporting errors and provide clear guidance on the correct procedures to follow in such cases. 

Enclosed with this letter, please find relevant documentation supporting my claim, including [ list any supporting documents you may have, such as statements, letters, or other evidence ]. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this violation. If you require any further information or clarification, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your time and assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Thank you for removing some items from my file that resulted from alleged identity theft. However, there are still remaining items that need to be addressed. According to FCRA Section 605, you are required to remove any items listed on an Identity Theft Report. Enclosed is a new Identity Theft Report # XXXX. This issue was mentioned in a previous complaint and is reiterated here. My attorney has been informed of my intentions and is prepared to hold you accountable for any willful noncompliance : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX  XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX Balance XXXX : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed XXXX {$150.00}. You have XXXX business days to remove these items from my credit file, which resulted from alleged identity theft. I do not consent to XXXX or any form of automated verification.
Product: Credit card or prepaid card

Dear Team, i received a pre-approved credit card offer from Amex for my business ( sole proprietor ). it had a code as well and it looked like i have everything set and just need to apply the code in the letter. but when i completed everything it was declined/ refused and caused me a hard inquiry on my credit and reduced my credit score. i want Amex either to approve my application or remove the hard inquiry from my credit report in-result of misleading offer. thank you XXXX XXXX XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts listed on my credit report as I am a victim of a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent items blocked and removed from my credit file. 
The specific accounts that need to be blocked and deleted are as follows : Accounts : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$400.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1100.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$920.00}
Product: Checking or savings account

Back in 2017 exactly 7 years ago, which I have the bank statements for there was {$14000.00} stolen from my checking account I notified Wells Fargo of the wrong doing they responded and gave me a refund. The refund was only for {$760.00}. That was not the full amount. They still owe XXXX. There was about 12 withdraws from my checking account around the same time the money was stored. I spoke to one of the supervisors at Wells Fargo and they proceeded to tell me that I need it to file a complaint because they can only look up seven years of bank statements this happened exactly 7 years ago and I am still fighting for my refund. I would like to settle this matter Full refund
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, was unf dy charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

accessed all 3 reports from EXPERIAN, XXXX AND XXXX -- XXXX AND XXXX ARE USIND DIFFERENT VARIATIONS OF MY NAME -USE ONLY THIS VARIATION XXXX XXXX XXXX XXXX REMOVE MY DATE OF BIRTH AND SOCIAL SECURITY NUMBER. REMOVE DELET CHARGES OFFS FROM ALL 3 REPORTS, DELETE STUDENT LOANS FROM ALL 3 REPORTS. I DID NOT GIVE ANY WRIITEN/NONVERBAL CONSENT FOR XXXX, XXXX, EXPERIAN, TO REPORT ANY HARMFUL INFORMATION THAT MAY REFLECT NEGATIVLEY PER 15 USC 6802 THE FCRA AS A FEDERALLY PROTECTED CONSUMER. I AM NOW OPTING OUT OF ANY AND ALL AUTHOIZATION I THE CONSUMER MAY HAVE GIVEN WRITTEN/UNWRITTEN VERBAL/NONVERBAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO REPORT im now opting out from you reporting on my consumer credit report IMMEDIATLELY. Every company me a privacy notice before they furnish ANY information to MY consumer report
Product: Debt collection

I spoke with a representative named XXXX from the Fraud Department of XXXX Credit Bureau, who was very rude, I stated to him the debt has not been validated. However upon reading the response from the company, I never received a packet to the address on file to complete and return. I was also made aware today the debt was verified. If the Company can send it via email to XXXX so that I may fill out the packet for completion stating its FRAUD. Under the FDCPA I do not have an obligation to pay a 3rd party ( Convergent Outsourcing ) who does not own the debt originally. If the company can send me the documents with a WET signatures that I made a agreement to pay the alleged debt.