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

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Re : Complaint Against Reporting Entity for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX Information Solutions , Inc. ( hereinafter referred to as " EQUIFAX '' ) regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and, specifically, their failure to adhere to the provisions outlined in Section 611 ( a ) ( 8 ) of the FCRA. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for investigation and appropriate action. 

On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to EQUIFAX requesting the validation of a collection account as per the provisions set forth in the FCRA. The collection account in question pertains to XXXX XXXX which alleges that I opened an account on XX/XX/XXXX, and currently maintains a balance of {$200.00}. The FCRA mandates that the credit bureau, in this case, EQUIFAX must ensure the accuracy and completeness of the information they report. 

We are filing this complaint on behalf of our client, who is experiencing issues with a closed account reporting negative information on their credit report. Pursuant to our efforts to address this matter, we sent a Validation of Debt letter to the reporting entity, as allowed under the FCRA. Despite our repeated attempts, we have not received any response from the reporting entity. 

This lack of cooperation is a clear violation of our client 's rights under the FCRA, particularly under the following sections : FCRA Section 611 ( a ) ( 1 ) ( A ) : This section requires consumer reporting agencies to promptly investigate disputes regarding the completeness or accuracy of any information provided by a consumer and to correct or remove any inaccurate information.

FCRA Section 623 ( a ) ( 2 ) : This section mandates furnishers of information to report accurately and prohibits the reporting of information that they know or have reasonable cause to believe is inaccurate. 

Enclosed, please find a copy of the Validation of Debt letter we sent to the reporting entity, along with proof of delivery. We believe that our client 's rights have been willfully neglected, and we seek the intervention of the Consumer Financial Protection Bureau to ensure a fair resolution in accordance with the FCRA. 

We kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter, compelling the reporting entity to respond appropriately and take corrective action. We appreciate your prompt attention to this issue and look forward to a swift resolution. 

If you require any additional information or documentation, please do not hesitate to contact me at XXXX Thank you for your commitment to protecting consumers ' rights and ensuring the fair implementation of the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

The Thomas Agency - 2 years ago I had a company for running credit cards. I clearly emailed them and canceled. They continued to bill me. Then, I needed an invoice, so I canceled again. They sent the info to a collection agency. The collection agency came after me for {$740.00}. Keep in mind I already canceled twice. I feel like they have a bait tactic and require an overly difficult cancellation process. I am very frustrated as I have already canceled twice.
Product: Debt collection

Good Afternoon. 

In pursuing my case against the debt collector Mullooly Jeffrey Rooney & Flynn XXXX ( MJRF ). 

During my research I uncovered a number of XXXX Reviews for this firm, indicating unethical behavior. 

Given the volume of reviews I wanted to bring this to the attention of the CFPB. 

Some items include : They need their practice shut down, they tried collecting on debt I already paid. They had a woman pretend to be an XXXX worker to send my neighbor summons papers. - XXXX XXXX XXXXXXXX XXXX XXXX. If low mea n't [ XXXX  ] anything they are the worst people you can ever deal with. Absolutely disrespectful across the board - XXXX XXXX This law firm is the worst! Paid an old hospital. Bill got satisfaction letters and receipts XXXX years later they had the sheriff garnish my paycheck admitted the mistake and have me waiting for my own money back terrible service very unprofessional XXXX XXXX I have long asserted this firm breaks the law. I would ask for a formal inquest by the CFPB given the sheer volume of online complaints that corroborate my experience with this firm. 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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  L XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2900.00XXXX XXXX XXXXXXXX Balance Owed : {$30000.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit card

I am writing to express my deep disappointment with Navy Federal Credit Union 's handling of my dispute regarding a non-refund from XXXX XXXX. Despite the purchase of fully refundable tickets ( Booking Reference : XXXX, Amount : {$4600.00} ) on XX/XX/year>, and their cancellation by XXXX XXXX on XX/XX/year>, I have yet to receive the refund to which I am entitled. 

Despite my repeated attempts to resolve this issue directly with XXXX XXXX, I have encountered significant obstacles, including their initial false claim that the tickets were non-refundable. When the matter was escalated, XXXX XXXX canceled the tickets without my initiation, yet the refund remains unprocessed. 

I expected Navy Federal, as my trusted financial institution, to effectively support me in this dispute. However, I was informed that the dispute process was delayed due to the bank 's misunderstanding, as they believed the ticket was still active, which caused further delays and confusion. This has placed a significant financial burden on me and has been an ongoing source of stress. 

As a law-abiding citizen and veteran who places great trust in Navy Federal , I find the lack of effective support unacceptable. I am requesting that Navy Federal take immediate and decisive action to ensure that XXXX XXXX honors its commitment to refund the fully refundable tickets. All necessary documentation, including proof of purchase and communication with XXXX XXXX, has been provided. 

I urge Navy Federal to prioritize this issue and assist me in securing the refund promptly. If additional information or steps are required, please inform me immediately. 

Thank you for your attention to this matter. I look forward to a swift and fair resolution.
Product: Credit reporting or other personal consumer reports

Fraudulent Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Name : XXXX XXXX XXXX XXXX XXXX ) Fraudulent Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Accounts : Account : XXXX XXXX XXXX XXXX XXXX  Account : XXXX Credit Card XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account : XXXX XXXX XXXX XXXX : XX/XX/XXXX Account : XXXX XXXX XXXX XXXX : XX/XX/XXXX Account : XXXX XXXX XXXX XXXX : XX/XX/XXXX Account : XXXX XXXX XXXX : XX/XX/XXXX Fraudulent Hard Inquiries : 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 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

This account had previously been removed from my credit file, but it has now reappeared without prior notification or justification as required by the Fair Credit Reporting Act ( FCRA ) Section 611. According to the FCRA, a credit bureau must notify a consumer within 5 business days if a previously deleted item is reinserted into the credit report, along with the name of the entity that provided the information.

I did not receive such notification, and therefore I am requesting the immediate deletion of this account from my credit report.

Please investigate this matter and provide a written response with the results of your findings. If you are unable to verify the reinsertion according to the FCRA, I request that the account be removed permanently.
Product: Credit reporting or other personal consumer reports

I have received XXXX 's letter dated XX/XX/2024, in response to my request to remove the inaccurate information reported about my account. 
I am requesting XXXX specific items, which they have failed to provide in your responses to my letters dated XX/XX/2024, and XX/XX/2024 : XXXX. Proof of Notification with Tracking Number : Under 15 U.S. Code 1666b, which includes the required information under 15 USC 1637 ( b ), I am asking you to provide proof that the periodic statement was mailed or delivered to me no later than 21 days before the payment due date. I require the tracking number that confirms this information was mailed within the legally mandated timeline.

2. Proof of Notification Prior to Negative Reporting : Under 15 U.S. Code 1681s-2 ( a ) ( 7 ), I demand proof, including a tracking number, that a notification was sent to me 5 days before any negative information was reported to the credit bureaus, as required by law.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I put a down payment on my car XX/XX/year>, and have paid bi weekly every month. I recently had my credit pulled to check something out and I seen where my auto loan was paid in full, I received my title in the mail with NO LIEN on it, since XX/XX/XXXX they have called me everyday about a payment, they told my husband we have only paid {$7000.00} of {$12000.00} which cant be. So I sat down and pulled all my receipts from where I made payments, even our card transactions when it was paid just in case I missed a receipt which isnt likely because I save them all, I have actually paid {$12000.00}. How ever the company states we only paid half, how? Well they cant tell me. They say the same thing over and over, you ask for proof and how they are getting their number and no one can explain it, yes because I do not owe anything else on the car which is why my auto loan on my credit is 100 % paid in full and I have a clear title in my hand.
Product: Credit reporting or other personal consumer reports

This hard inquiries are fraudulent and doesn't belongs to me and need to be remove. Also the next as well : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX transunion XXXX XXXX transunion XXXXXXXX XXXX XXXXXXXX transunion XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> while on line looking at my checking account balance, I noticed 2 charges on my checking account at USAA Bank, both charges from XXXX XXXX XXXX, one for {$1500.00} the other for {$1000.00}, they were not mine. I immediately called USAA and reported the problem, they took my information saying the charges would be taken off for 10 days while they verified my information. About 10 days later they notified me that they had determined from XXXX that I had made the charges. I called USAA and told them I had not made the charges, I live in XXXX MN, a XXXX, will be XXXX XXXX XXXX in four months and I had never ordered anything from XXXX in XXXX XXXX NV, I have three computers one cell phone and one car, they can inspect all of them to verify I had not ordered anything from XXXX and I am willing to take polygraph test to verify I am telling the truth. They said they would start investigation again. About eight days later notified by USAA that XXXX had submitted documentation that I had purchased 6 tickets in one section for a event and 4 tickets in another section for same event and I had picked up the tickets. I would have no use for 10 tickets in XXXX XXXX for anything and I have no Idea what tickets were for or the date. My son told me he thinks the tickets were scalped and the people who bought them would have no knowledge of the person who used my debit card to make the purchase.

I'm sad and mad that USAA Bank for service members ( I served for 8 years ) would not do a better investigation and take up my offer to exam my equipment to verify what I say and my willingness to be tested telling the truth, check my car if I was in XXXX at anytime, check airlines to see if I flew. I do not have the expertise to know how the crook used my info, but like everyone, I receive letters telling me my information has been lost when their business had been hacked. I have never been sued, never bankrupt, never not paid a bill on time, credit score over XXXX, been a customer of USAA for over 12 years and have never had this problem before. Have sufficient funds to last me the rest of my life, even though I XXXX  at XXXX XXXX XXXX after I sold our family business. XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I withdrew {$5000.00} in cash from CitiBank 's XXXX XXXX branch. The teller had the cash counted by machine and put in a cash envelope. I did not open the envelope until XX/XX/XXXX. No one but me and my wife knew of the cash existence and location. When my wife and I opened the envelope XX/XX/XXXX there were fifty {$20.00} bills instead of fifty {$100.00} bills. I had been shorted {$4000.00}. I called Citi on XX/XX/XXXX and they indicated that they would investigate. I have other details in my affidavit sent to CitiBank 's investigative unit. This affidavit was faxed on XXXX and mailed that same day with an expected delivery date of XXXX. The {$4000.00} cash was credited back on XX/XX/XXXX. On XX/XX/XXXX I received a call from XXXX at the XXXX XXXX bank saying she had great news for me. I called back but could only leave a voicemail. On XX/XX/XXXX I received a secure communication from Citi saying, " Your inquiry, R- # has been resolved. Please check your " New Documents '' in 24-48 hours for resolution details and related correspondence. '' I did not receive any " New Document ''. That same say, without notice, {$4000.00} was removed from my account and I only discovered that today upon reviewing transactions at the end of the month. There has been inadequate internal investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received a notification from XXXX, an OMP cyber incident monitoring service which identifies possible fraudulent activities on one or  more credit reports. According to XXXX, on XX/XX/2018, someone reported use of an incorrect address ( XXXX, MD XXXX ) on my credit report. XXXX does not show the entire address but instructed the consumer to reach out to the credit reporting agencies to obtain said information and dispute any inaccurate information on report. 

On XX/XX/2018, I immediately reached out to XXXX to find out who reported this incorrect address, how it was reported, and a complete address to dispute. 

XXXX refused to provide this information or allow the consumer to dispute the inaccurate information contained in the consumer credit report with full knowledge if someone tried to report a new address most likely will attempt to commit a frauduent act. 

Under the FCRA the consumer is entitled to this information and afforded an opoortunity to dispute and have this information removed from my credit report. In addition, the consumer should be allowed to have said incorrect address immediately removed prior to any attempt of fradulent activities and should not have to place a fraud alert on their consumer report which is a major inconvience if the consumer in the process of obtaining additional lines of credit.
Product: Student loan

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Mohela concerning their handling of my Loan Discharge applications submitted in XXXX and XXXX of XXXX. Despite the significant time that has elapsed, I have yet to receive any substantive response from Mohela, and it appears they are intentionally stalling the processing of my application. 

Each time I contact Mohela, I am placed on hold for over XXXX hours, only to be subjected to a series of inconsistent responses. On several occasions, Mohela representatives have confirmed the receipt of my application, only to later claim that they can not locate it. This back-and-forth has left me frustrated and without any clear resolution. 

Additionally, Mohela has been deflecting responsibility, instructing me to contact various other agencies, including XXXX and XXXX XXXX, without providing any concrete solutions. They have asserted that the XXXX XXXX XXXX XXXX, the institution in question, is not marked as closed in their system. However, when I contacted XXXX, it was confirmed that the college is indeed closed. This discrepancy suggests a significant lapse in Mohela 's internal systems and coordination. 

The lack of accountability and the continuous redirection between Mohela and other agencies have made it impossible for me to move forward with my application. This situation has not only delayed the process but has also caused unnecessary stress and confusion. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and hold Mohela accountable for their inadequate handling of loan discharge applications. Borrowers should not be left in limbo, especially when they are following the required procedures and seeking the assistance they are entitled to. 

Thank you for your attention to this matter. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4800.00}
Product: Credit card

I currently have 3 cards with Synchrony Bank. I have a Cares Credit, Mattress Firm and XXXX XXXX. 
It started with my XXXX XXXX XXXX, it was paid on auto paid on time every month. SB decided to randomly lower my credit limit even though the card were never used for anything else other than being paid. 
At the time I had 100 percent payment history across the board and no delinquency any where. The lower my limit right to the balance I was paying though a purchase special with equal monthly payments. 

Recently, I due to unforced events from employer not stopped paying me, emergency medical treatments as well as a passing in the family. I was forced to start missing payments due to hardship. I started to miss payments on my Cares Credit card as they add some significant amount of interest for medical expense charge. 

At random, they decide to close my Mattress Firm card which I have had zero missed payment and only 3 payments remaining on a purchase special. The card has been on auto pay since day one. The car also has never been used other than the initial purchase. 

The unethical practice of SB continues as they purposely left open the only card that is delinquent!!! They offer zero help in anything other than calling me and harassing me for a payment. A rep called and as I explained to her I have XXXX income as I am just about to start a new position with a company, I wont know when I would get paid or exactly how much and to please call me back in a few days. The rep purposely made me go through a hardship questionnaire when I " specified '' I have XXXX  income at this second and she then told me " sorry due to your lack of income you do not qualify for hardship ''. 

This bank is unethically finding ways to either lower your credit score or trying to burry you in so much interest you have zero way of getting out!! 

They have done " tricks ' on all three of my accounts. This kind of behavior is unethical and it should be stopped.
Product: Debt collection

This entry was added without my authorization. According to FCRA section 605B, it's required by law to obtain my consent before including any information on my credit report. By law this is fraud please remove