23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loan was transferred to be serviced by mohela. I promptly filled out the form to have my PSFL applied and eligibility counted, as well as signed up for the save plan. My loan showed that they were completely paid off and a lump sum payment had been made on both mohela and XXXX. Fast forward my loan balances re appeared and after many calls and attempting to reach someone and them telling me I had zero loans and no information I was placed in forbearance for processing. My forbearance ended and a payment was due, but I still have yet to be given a payment plan or explanation as to why my loans showed paid off and a XXXX dollar balance on multiple different platforms.
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

This is the several times I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXX XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$33000.00} XXXX XX/XX/2022 XXXX  XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I have sent letters and they refuse to send me any documentations that I request that show proof pursuant section 15 USC 1681a ( 2 ) ( i ), 15 USC 1666b and 1637 ( b ) and 15 USC 1681s-2
Product: Mortgage

In XXXX of 2021 my home loan was sold to freedom mortgage corporation. At that point I started receiving letters that I was required to provide proof of flood insurance or that they would order it for me. My home is in a condo and flood insurance is purchased for the property via my XXXX. I contacted my XXXX and they provided me proof of flood insurance. I provided this documentation to freedom mortgage. They have now sent me letters stating that the policy is about to expire and that they require additional proof of a new policy. My policy is not expired. I have a current policy covering my home for flood insurance and proof of this has been provided to freedom mortgage. They will not acknowledge my policy and are actively trying to double charge me for coverage that I already have.
Product: Bank account or service

I was cashing a personal check from my nephew in his Regions bank. The bank officer called my nephew to verify ( unusual ) and had to wait 20 minutes for him to respond. The bank officer then took me to the teller at which time after giving them my license and being finger printed and signing check, they stated there is a {$20.00} fee to cash a check at their bank. The could not produce the fee structure nor could they produce a receipt showing where the {$20.00} fee was deducted. I believe they are stealing from unsuspecting people. 
I want the {$20.00} " fee '' returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I have taken a look at my credit report and notice several inaccuracies and wrongful reporting with a 3rd party debt collection company named XXXXXXXX XXXX They are reporting a debt stating that I owe them {$420.00}. I have never conducted business, signed a contract or agree with any terms with them. I sent them a debt validation on XX/XX/2023 certified mail asking them to provide me documentation of the debt they claim that I have with them. I NEVER had a contract with them. I never gave them permission to report anything on my credit report. They stated they are collecting a debt from a company named XXXX XXXX XXXX XXXX XXXX. They sent documents to me that is pointless and didnt prove anything. They didnt send anything with my signature, they didnt send a contract, they didnt send anything besides a print off of some statement. To make matters worse, another company that they are working with called XXXX XXXX XXXX sent me these papers on behalf of XXXXXXXX XXXX Im confused at this point because it seems like this company is all over the place and cant provide any documentation and my information is getting passed around on this CLAIM DEBT. If they purchased debt from XXXXXXXX XXXX XXXX XXXX XXXX that has been written off that is illegal. They lied about investigating it and not removing it from my report is noncompliance with the FCRA laws. They are furnishing information without my written consent. When I was looking at my credit report they are reporting information wrong across ALL THREE BUREAU. Im entitled to a 100 % accurate credit report. 
XXXX XXXX and XXXX is reporting the collection account OPEN and Experian is reporting it as closed. How is this possible? How can a collection account be OPEN? FCRA violation XXXX XXXX is reporting this account as being Late 120 days for the payment status. How is a charge off collection still reporting a late payment status? FCRA violation. 
XXXX Experian and XXXX is reporting a PAST DUE balance. Charge off collections shouldnt be reporting past due balances. Correct? FCRA violation XXXX Why isnt the original creditor listed on Experian and XXXX? 
XXXX The dates of last activity, date reported and date open has different dates all across the board. 
XXXX The document of the claim debt they sent me the account number doesnt match on my credit report. 
I can list several reasons of the inaccuracies of this account. As a consumer this is slandering and Im entitled to a fair accurate credit report by law. I know my rights. Im demanding for this to be removed from my credit report. Im also attaching evidence to support my claims. Please see the attachments. 
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX  has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. There shouldnt be damages on my credit report. Its a defamation to my character. 
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 consent.

15 U.S.C 1681g
Product: Debt collection

After reviewing my credit report, I discovered accounts that I did not recognize or apply for.Upon further investigation, I realized that my personal information was exposed in several data breaches as well I have no recollection of applying for any of the the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, and fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety .I have no connection these these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a cre
ditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A cred itor 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 designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the pa yment due date. XXXX
EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I obtained an copy of my credit report noticing that there are several errors being reported from the credit bureaus XXXXXX/XX/XXXX unauthorized DEPT OF EDXX/XX/XXXXunauthorized XX/XX/XXXXXXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXXunauthorizedXX/XX/XXXX unauthorized XX/XX/XXXX unauthorized XX/XX/XXXX unauthorized
Product: Student loan

I 'm trying to work with navient to lower my payment but they refuse to work with me. I have no way to pay the amount they set for me, and the interest is acumilating every month. Please help me.
Product: Credit reporting or other personal consumer reports

Good day. Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my XXXX XXXX, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my XXXX XXXX  that I wouldn't even be able to afford help because of my low XXXX XXXX due to these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified mail was sent to XXXX, Transunion, and XXXX  regarding an unverified item listed below. 

XXXX XXXX XXXX XXXX XXXX, Transunion, and XXXX  failed to investigate and have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. XXXX, Transunion, and XXXX  responded with a letter negative listing verified. Who verified these accounts?

FCRA, Please enforce the Credit bureaus to do a proper investigation. 

Thank you for your prompt assistance in this matter.
Product: Debt collection

Recently I have been denied opening bank account because you are falsely report an alleged debt. I do not believe that I still owe this debt after your receipt of my presentment on or around the date of XX/XX/2023 containing debt instruments as well as instructions for the setoff, settlement, and closure of this account. Further, I have requested that you validate the claim that this debt has not yet been settled, set off, and closed by affidavit under full commercial liability, but you have disregarded these repeated attempts to validate the debt. 

Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort as well as other private and/or commercial damages. You have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act and breached your duties as fiduciary trustee by harassing me regarding this debt.

I demand that you cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating this account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all communications to me. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm.

Kindly govern yourself accordingly.
Product: Money transfer, virtual currency, or money service

XXXX : I tried an international remittance of {$1000.00} through Remitly to XXXX. The transaction was cancelled from their end, and I got the refund immediately. 
XXXX : I tried again. This time, it showed " delivered '', but the recipient ( my XXXX account ) didn't receive that. 
XXXX : I contacted Remitly, and they informed me the UPI ID was incorrect. They said they had mailed it to their partner bank in XXXX. After they receive the money back, I can edit/cancel the transaction. I was told to wait for three business days. 
XXXX : I contacted them over chat. They told me to wait for three more business days. 
XXXX : I contacted them again. This time, a kind woman was able to retrieve the money. I updated the details to another UPI ID, which I had successfully used in XX/XX/2023 to send money. It showed delivered again. 
XXXX : I contacted them asking about the transaction. I was told that since this is an updated transaction, it will take more time. 
XXXX to XXXX : I contacted them many times in between and got the same response " to wait ''. I was also informed the UPI ID was correct. 
XXXX : I was told that the XXXX side faces issues due to system updates and maintenance. I was told to wait 4 business days and get a refund, or the recipient will get the money. ( have email proof ) XXXX to XXXX : Called them 3 times in between and chatted multiple times. I have sent them a statement of the XXXX account through the app. They say they are still investigating and will take some time.
Product: Credit card or prepaid card

I have had a Cashapp debit card since 2016. Unfortunately for the past XXXX months I XXXXhave been charged a {$3.00} fee every week. When I call the company they can not explain what this fee is for., and tell me that a representative will get back to me and no phone call. I need your assistance to resolve this problem.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> Theses companies pulled my credti report without written authorization and I need to report tham and get this off my credit immediately.
Product: Checking or savings account

I am signed up for a XXXX XXXX saving app that I am unable to connect my PNC account to. In order for me to automatically save small increments of money daily I need to be able to link the two accounts and PNC has made it so that can not happen. I am thoroughly upset and I hope that they can resolve this problem so that I can re link my card and go back to saving my money the way I like to.
Product: Credit card or prepaid card

In XX/XX/2022, I received an email from my Chase Preferred XXXX credit card to start a " Chase Plan '' where I can make a purchase over {$100.00} and have XXXX XXXX interest and monthly payments with no fees. The wording in the advertisement 's states " There's no need to make any separate payments for active plans. We'll automatically add the monthly My Chase Plan payment to your minimum payment due each billing cycle. Pay at least your minimum payment when it's due each billing cycle, and you'll pay off your My Chase Plan balance on time. Once you set up a plan, you'll see a payment amount called interest saving balance. When you choose this option, you won't pay off your entire My Chase Plan balance earlier than intended, and you'll still avoid interest on new purchases. '' So, I decided to take advantage of this in XXXX, I made a purchase for {$670.00} on XX/XX/XXXX. In-between that time and my next billing statement on XXXX XXXX, I had made purchase which posted to my balance and showed in my account online and the app and made payments to cover these purchases. Instead of the payments going towards the new purchases which is what was advertised in the above, the allocated my money to the Chase Plan Balance instead ultimately charging me interest on charges that should have been paid off. On top of that, any purchase I have made and returned ( within a day or XXXX ), the refund amount was also allocated towards the chase plan instead of the original charge. 

When I tried to contact Chase about the issues I was treated very poorly and not given any options on how to resolve and was told that I need to read my cardmember agreement. I read this agreement from front to back on all XXXX pages multiple times and nowhere does it state that my chase plan would be paid before any of the new purchases and in fact states different in their advertisement making it deceptive and misleading.
Product: Credit card or prepaid card

I purchased window decals from XXXX for the amount of {$210.00}. When I received the decals they were not the way that I ordered and I wasnt able to use them. I tried to fix the problem with XXXX but they insisted that I destroyed the decals and I refused. I asked to have the decals redone. It was difficult to contact XXXX by phone and they used a call center. The Representatives werent helpful and really wasnt interested in resolving the problem. XXXX have my money and I have an unusable product. Capital asked me to upload proof of the problem. I uploaded the emails from XXXX XXXXXXXX. They refuse to credit my card back the {$210.00}. Now I have to pay for what I dont have.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/17 I received a loan with a finance company XXXX XXXX, my loan amount and length of agreement were {$410.00} for XXXX months. On XX/XX/XXXX my account was closed and paid in full, then I began to receive calls from a company I never hear of, this company was charging me a monthly fee on this loan that was already paid for, they also took possession of my vehicle and sold it at auction way below the price. I have bank statements, copy of my report stating it was payed, I have also made wire payments because they refuse to take bank or credit card payments. Please help this company is ruining my credit with false collections, its inaccurate information, they wont provide me with any informed, paperwork. According to this company they bought my account and didnt now it was paid
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year>XXXX  My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 

Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Their website confirmation says " You have requested to opt-out of our search results for the following person : Name : XXXX XXXX Location : XXXX XXXX, PA We have sent an email to : XXXX IMPORTANT : Please check your email, including the bulk or spam folder for the email, and click or paste the link into a browser to confirm your removal request. '' I never received an opt-out email from them, including in my junk folder. This deprives individuals from being able to actually opt-out from having their information on their website.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my consumer credit report by XXXX, TransUnion, and XXXX for Account : XXXX XXXX  ( Account # XXXX ) Specifically, XXXX is reporting the account as " Pays account as agreed '' with a " 30 days past due '' delinquency. XXXX is reporting " Paid account/was 30 days past due '' with a " 30-day delinquent '' status. TransUnion is reporting " Paid or paying as agreed '' but does not indicate a payment status. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. 

These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigations completion, along with details of any actions taken to rectify this matter. Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.