23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

STATUS DETAILS : Submitted on XX/XX/XXXX File number XXXX Completed on XX/XX/XXXX ITEM IN DISPUTE : COLLECTION DISPUTE REASON : Accuracy This account is involved in litigation. 
CONTACT INFORMATION XXXX XXXX RESURGENT CAPITAL SERVICES  XXXX XXXX XXXX XXXX, SC XXXX RESULT : Information updated on this item XXXX investigated your dispute and updated the information you flagged, as well as other information for this item, on your report.
Product: Checking or savings account

Recently my parents gave me two checks for a few XXXX dollars. One from a joint account and one from my mother 's personal account. I deposited them to my Chase checking account. Shortly after, I tried to use my debit card, and it declines. I call Chase only to discover my account is completely restricted as the deposit had been automatically flagged for potential fraud. Keep in mind I am a full-time college student and this money was going towards paying rent, gas, and food. I have called Chase multiple times to try to clear the restriction, every time they say the same thing, their system is not showing verified phone number for the maker of the check. Apparently, they need to call the maker of the check to verify. Now, my mother has her personal phone number on these accounts, and I can not see a single reason the number wouldn't be verified. Every time I ask what we can do to verify this phone number, they say there is nothing I can do, their system has to verify it. Honestly, they have been absolutely no help in resolving this issue, in fact they say the funds will be completely held up until the checks are verified as not fraudulent, if not, they will keep my account restricted for years until they finally close it, then the money is returned to the state. It's completely ridiculous. They say there is no other way to verify the checks, which is hard to believe. One of the accounts the money was sent from is also a Chase account, which has been open for many years, and they still can not verify it. The other account is a XXXX XXXX account, and my mother called them to find that XXXX XXXX had absolutely no problem clearing the checks, and Chase should have the money. Chase means to hold these funds hostage with no clear way to unrestrict my account. Meanwhile, I have classes to worry about, and rent is upcoming. The process for verifying the check seems simple but has caused me nothing but problems.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

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




XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

To whom it may concern, On XX/XX/year>, I made a verbal agreement with IQ Data International to pay the total sum of {$360.00}, I paid {$180.00} that day and promised to pay the balance of {$170.00} on XXXXXX/XX/year> but to my surprise, a collection account showed up on my credit report from IQ Data InternationXXXX on XX/XX/scrub>XXXX 

Over a week later, on XX/XX/year>, IQ Data InternationaXXXX called and asked me to pay the balance of {$180.00}, which was the incorrect amount. I requested a written 'pay for delete " letter documenting our agreement for me to pay the correct amount of {$170.00} according to the original creditor 's XXXX XXXX XXXX XXXX XXXX amount of {$360.00} IQ Data International violated my consumer rights by not abiding by our initial agreement of full balance payout by XX/XX/scrub>XXXX
Product: Credit reporting or other personal consumer reports

This is not my debt and I am not responsible for this debt. I requested original proof of the debt. I also requested proof of how they disposed of the vehicle and what the remaining debt balance was after they disposed of the vehicle. They refused to provide me this information. This is in violation of fair debt collection practices and fair credit reporting practices.
Product: Payday loan

I 'm not sure I selected the correct option, but I would like help in solving the following problem. On XXXX XXXX, 2015, I received an alert from the XXXX credit monitoring service I subscribe to. The notice stated that I had a new hard inquiry on my credit report. I immediately contacted XXXX to dispute the error. The representative I spoke with stated that I needed to contact the creditor Cash Central and that they would need to contact XXXX. When I contacted Cash Central, I was told that I did not have a loan with them, or submit an application, but that a third party provided my information to them. Cash Central put in a request for someone to contact me. During the phone call I explained that I did apply for a loan from Cash Central nor did I give permission for my credit to be pulled. I advised that XXXX has the credit inquiry listed as a hard inquiry on my credit and that I would like it corrected. 

On XXXX/XXXX/15 I received the following email response : Dear XXXX XXXX, We are in receipt of your dispute regarding a credit inquiry by Cash Central. Cash Central was forwarded your application information for a loan from a Lead Provider. The application was declined and no loans have been requested in your name. 

Under the terms of the Fair Credit Reporting Act, Cash Central can obtain credit report information regarding customers when ( 1 ) the credit report information was pulled in connection with a credit transaction involving the customer and a request for an extension of credit, and ( 2 ) Cash Central otherwise had a legitimate business need for the information. 

Your application was forwarded to us in a manner that permits us to take the steps needed to complete verification of the applicant, including, by way of example, referring to databases containing consumer information and pulling credit reports. 

If you would like further information on the lead provider in which Cash Central obtained your information, please contact me directly. 

Sincerely, XXXX XXXX Cash Central XXXX XXXXXXXXXXXX I then sent the following response : Good Evening XXXX XXXX, Thanks so much for the quick response, but I 'm not sure I fully understand the response. XXXX listed Cash Central as a hard inquiry on my credit report, but I did not apply for credit from Cash Central or any other company on Saturday, XXXX XXXX. Nor did I give permission for my credit to be pulled by Cash Central and XXXX will not remove the inquiry from my credit report until your company provides me with a letter, or contacts them. Please help!! 

In addition, what is the name of the lead provider as I would like to contact them as well. 

Thanks in advance for your response, XXXX XXXX Please help!! Is Cash Central able to pull a hard inquiry of my credit report without my permission. I am in the process of rebuilding my credit and do not wish to have my credit pulled without my permission.
Product: Checking or savings account

I am filing a report against capital one and their failure to deposit my employers direct deposit in a timely manner. Capital Ones stated technical issues may violate the EFTA. This situation has raised great concern and has caused immeasurable inconveniences. I request assistance in investigating this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this for to be deleted many times and ask for Equifax to reach out XXXX XXXX, IF THEY DID reach out to them they would know to delete it. 
I have attached a letter from XXXX XXXX XXXX REQUESTING EQUIFAX TO DELETE THIS COLLECTION ITEM. I firmly believe, now even more that Equifax DOES NOT properly do any investigations or do they even respond to customer or collections agency response. 
PLEASE DELETE THIS ITEM. 
XXXX XXXX XXXX Account owner XXXX Account XXXX XXXX XXXX XXXX Date reported XX/XX/2022 Date assigned XX/XX/2022 Account status Unpaid -- - PLEASE SEE THE LETTER THAT XXXX XXXX XXXX HAS SENT TO EQUIFAX, WHICH EQUIFAX HAS IGNORED.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ). I previously disputed an account ( XXXX XXXX account number # XXXX ) on my credit report, which was found to be inaccurate and subsequently removed. However, this account has been reinserted into my credit report without any notification from Equifax within the required five business days.

This action is in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing.

I have already contacted Equifax regarding this issue but have not received a satisfactory resolution. Therefore, I am seeking your assistance to ensure that Equifax complies with FCRA regulations and corrects this issue immediately. 
Attached are copies of all relevant correspondence, including my initial dispute letter, confirmation of the account # XXXX removal, and my recent dispute regarding the unauthorized reinsertion.
Product: Credit reporting or other personal consumer reports

Fraudulent collection accounts XXXX XXXX XXXX Opened XX/XX/year> {$580.00} My information may have been impacted by the Equifax, XXXX and XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : XXXX. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. 
XXXX. Copies of any signed agreements or contracts pertaining to the debt. 
XXXX. Evidence that your company has legal standing to collect this debt. 

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter. 

Additionally, I request that you : XXXX. Investigate and verify the accuracy of the debt reported. 
XXXX. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution. 

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Lastly, You are required to remove this inaccurate information immediately, as mandated by U.S. Code 605B, without subjecting my dispute to a 30-day investigation. Under this law, inaccuracies related to identity theft must be blocked or deleted promptly upon receipt of appropriate documentation, and I fully expect compliance with this legal obligation.

Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA. 

Respectfully XXXX XXXX XXXX Without Prejudice
Product: Checking or savings account

On Monday XX/XX/XXXX I made a check deposit in the amount of {$14000.00}. The next Morning, I had received credit for the check therefor I proceeded to use the funds. However, the next day XX/XX/XXXX the deposited check was in pending status and not available like the previous day. I decided I would go in personally to try and resolve the issue. I initially spoke with XXXX XXXX assistant branch manager she suggested I verify with the owner of the check if indeed the check had cleared their account. I proceeded to do just that, I verified the check has indeed cleared his bank and the funds were no longer in their account. At this point I was confused as I no longer had the funds in my account and it was not in the payers account so where was the money? Since my attempt to resolve the issue with XXXX XXXX was in vain even though I did as she suggested, I decided to email the branch manager XXXX XXXX ( which took over an hour to get contact info as XXXX was hesitant and insistent she was the only branch manager and refused to give me any other manager names I called 3 different locations to get the branch manager contact info as I knew XXXX was being untruthful contact info is not readily available online ). XXXX responded stating the reason the funds were not available is due to the inability to verify funds with the payers bank ( XXXX XXXX ), as stated before the payer verified the check had cleared the account the day before XX/XX/XXXX. I included the payer in the email, so XXXX had verification this was the case. At the end of business day XX/XX/XXXX my account was not credited the funds nor were the funds in the payers account, so the question is where are these funds? According to XXXX the earliest the funds would be available is XX/XX/XXXX. So where are the funds for the 8 days there not in either of our accounts? This has been the 4th occasional this year alone were a large check deposit is held even though it has cleared the payers account. I do not feel this is standard practice and do feel there must be more transparency when dealing with large amounts of money.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for consumer reporting agencies have assumed a vital role and have a responsability to report consumer information to the best of their ably with maxium accuracy i have never been late on payments for the account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), PEASE INVESTIGATE AND PROVIDE PROOF WITH STATEMENTS SHOWIG THAT THESE PAYMENTS WERE LATE IF PROOF CAN'T BE PROVIDED I DEMAND THESE PAYMENTS BE UPDATEDTO ON TIME AS THEY SHOULD BE AS I WAS NEVER LATE THANKS.
Product: Credit reporting, credit repair services, or other personal consumer reports

do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? 

there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 

if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with XXXX  for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy you can not charge off a card and still report it as over the limit, do you see the problem with this account? 




XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20XXXX 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  ( ChargeOff ) Alert from : XXXX XX/XX/202XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( ChargeOff ) Alert from : XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX DelinquentAccount XX/XX/2022 XXXXXXXX XXXX XXXX XXXX Business Loan Inquiry Alert from : XXXX XX/XX/20XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX  ( 120 Days Delinquent ) Alert from : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Grid Code 4 ( 120 Days Delinquent ) Alert from : XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed by XXXX XXXX XXXX from : XXXX XX/XX/2022 XXXX XXXX XXXX - XXXX XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX - XXXX XX/XX/2022 XXXX XXXX XXXX  - XXXX XX/XX/202XXXX XXXX XXXX XXXX - DelinquentAccount XXXX XXXX XXXX XXXX XXXX Revolving ) Accounts - Summary XXXX TransUnion XXXX Last Updated XXXX, XXXX XXXXXXXXXXXX XXXX XXXX, XXXX Payment Status Charge-off Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency 120+ days past due None Reported Charge Off/Other Derog Balance {$1600.00} {$1600.00} {$1600.00} Credit Limit {$1100.00} {$1100.00} {$1100.00} Credit Utilization 145 % 145 % 145 %
Product: Student loan

I am writing to express my concern and frustration regarding several issues I have encountered with MOHELA. Despite numerous attempts to resolve these matters, I have yet to receive any satisfactory response or resolution. 
Firstly, I have been unable to reach MOHELA by phone. Each time I call, I am met with excessively long wait times, only to be disconnected or transferred without ever speaking to a representative. This lack of customer support is unacceptable and has caused me significant inconvenience. 
Secondly, my online account with MOHELA was abruptly canceled without any prior notice or explanation. This has left me unable to access my account information, email or manage my account effectively. I rely on the online portal to stay informed, view my payment history and communication with MOHELA via secure email, and its cancellation has been highly disruptive. 
Most concerningly, I have made several payments in 2024 that were not applied to my account as my account was moved to the Department of Education. These payments have not been refunded, and I have no clear understanding of their status. This situation has caused unnecessary financial strain and anxiety. 
I request that these issues be addressed immediately : 1. Provide a reliable and accessible phone support system to ensure that customers can reach a representative without undue delay.

2. Restore my online account or provide a clear explanation for its cancellation, along with instructions on how I can communicate with MOHELA via secure email as telephone calls are not timely answered.

3. Refund the payments made in 2024 that were not applied to my account and provide a detailed account statement reflecting payments applied to my loan balance prior to transferring to Department of Education.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC HOMETAP Date of inquiry : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

{$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called the company to figure out what this loan was and its fraud.
Product: Credit reporting or other personal consumer reports

Accounts on my credit report listed improperly. They violate consumer financial laws. I have made a report to FTC regarding these accounts.
Product: Student loan

On XX/XX/2016 I applied to CommonBond for refinancing my two XXXX XXXX Student Loans into one with a smaller monthly payment. I received letters from XXXX that they had taken over my loans from XXXX XXXX ( via CommonBond ) and got my new amount and payment information. 

Two years later I found out that there was still a balance owed to XXXX XXXX. My mother was getting the notifications sent to her junk email and told me about it a few months ago. She made a payment at one point, not exactly sure why XXXX XXXX still had a balance. 

For the last couple months, I have been talking to Customer Service at Common Bond and XXXX XXXX, trying to figure this out. I got in touch with CommonBond and worked with a rep named XXXX. We spoke back and forth for a few months. Eventually, she agreed that I should not have a remaining balance with XXXX XXXX, as Commond Bond should have paid all of the remaining balance when I refinanced ( I have our email conversations. ) So I told her that I would like them to fix the issue because they messed up when they consolidated my two loans in to one. She agreed and asked me to refinance again. I went to do so, but then she informed me that my payment cycle would reset. The problem with this is that I am now under a year away from removing my mother as a cosigner. I have never missed a payment or made a late payment and I do not believe it is fair that I should have to start over when they made the error in the first place. 

I called XXXX XXXX to get the exact reason and timing why Common Bond made their error. Here is what I was given : Common Bond paid the incorrect amount for both of the loans they were supposed to pay in full for my refinance. The amount due was {$28000.00} and they paid {$28000.00}, leaving {$620.00} on one. The other amount due was {$15000.00} and they paid {$14000.00}, leaving {$360.00}. They did not do their job in properly refinancing my loan. Where I should have {$0.00} left on XXXX XXXX and only one payment to make, I have been left with two loans like it never even happened. The amount has been sitting an accruing interest. XXXX XXXX also informed me that they didn't pay the amount until XX/XX/2016, even though I applied in XX/XX/2016 and was approved.