23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In accordance with the Fair Credit Reporting act TrueAccord Corp 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. I am a victim of identity theft. 
1. This is not my debt.

2. I am a victim of identity theft.

3. I request TrueAccord Corp send me records stating the collection of this debt is mine. A wet signature. 
4. The total balance and complete payment history. Including an explanation of any interest charges and additional fees.

5 The charge off of the original creditor.

6. A copy of the contract Evidencing that this agreement is my debt as I was a victim of identity theft.

7. I request records showing. That TrueAccord has the right to seek collection of this debt.
Product: Debt collection

XXXX account collection by attorney was NOT mine. I provided my XXXX credit card not the same as the attorney had shown on the record but I was still given DEFAULT JUDGEMENT by court. I was NEVER summoned to date of court. Happen under a year ago in XXXX XXXX XXXX MISSISSIPPI. Approximately + {$1500.00} was XXXX out of my DAD 's account to make matters worst. Where were you earlier. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be Inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately Account : XXXX Account # XXXX XXXX. XXXX, Account : XXXX - This account is being reported inaccurately, please remove this from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion should not be reporting each inquiry listed as a separate line item on my credit report. ( I have attached a copy from my credit report showing the inquiries from the XXXX XXXX XXXX days. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same type of lender and therefore should only be reporting as ( XXXX ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( XXXX ) inquiry. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Account # XXXX opened-XX/XX/2018 I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as XXXX and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801.

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX and XXXX 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

Sincerely, XXXX XXXX
Product: Debt collection

While in process of obtaining a mortgage found that mid west recovery had place a medical collection on my credit report XX/XX/17. I then reached out to them to get more information person on other end started yelling about me not paying my debts. I filed a dispute but that didn't help. I got no notification of this debt before it was placed on my credit report and to this day still nothing. I just want to get issue resolved so that I can purchase my first home
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX. XXXX - XX/XX/XXXX - XXXX I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Debt collection

On XX/XX/2024, I received a letter from National Credit Systems , Inc. claiming that I owe {$670.00} to its client. This letter did not include an itemized statement for what was allegedly owed. 

On XX/XX/2024, I sent a certified letter requesting proof that I was the party asked to pay this debt, and for an accounting of the debt. I did not receive a response to this letter. 

On XX/XX/2024, I received a letter from National Credit Systems , Inc. claiming that this alleged debt has been reported to credit bureaus, and that this would cause harm to my ability to rent in the future. 

On XX/XX/2024, I received a letter from National Credit Systems , Inc. claiming that its client would allow me to pay a 50 % discount of the alleged debt. 

On XX/XX/2024, I received a text from National Credit Systems , Inc. urging me to resolve 50 % of my alleged balance.

I never received the requested information. I do not know what this debt is for. I requested information for National Credit Systems , Inc. to prove its right to collect upon the debt it claimed was mine and instead of sending proof they sent me a threat.
Product: Credit reporting, credit repair services, or other personal consumer reports

negative collections remove now!!! XXXX XXXX acct # XXXX {$7400.00} and XXXX XXXX acct # XXXX {$100.00} These collection payments must be removed asap, These negative medical accounts are also in violation of the Health, Insurance, Portability, Accountability, Act ( HIPPA LAW ) 1996. I have reported fraudulent activity due to a security breach in a system that contained my personal information. I have been disputing these items since the pandemic and i have reported these errors to XXXX, XXXX, and Experian these companies have failed to investigate and have thrown out numerous complaints and have failed the american consumers by violating the 15 USC 1681 ( d ) disclosure of investigative reports, these companies have failed to report accurate information and thrown out letters instead of investigating the consumer letters and having the best interest of the consumers. They have continued to violate federal law 15 USC 1681 ( d ) even upon investigation from congress with Rep XXXX XXXX where congress findings have acknowledged that these credit bureau failed to investigate and has caused damages for consumers with errors on their consumer reporting. Remove these late payments now or i will exhaust my consumer rights and bring these erroneous errors and hold these companies accountable by going into litigation!. Thank you XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I placed an order from XXXX XXXX totaling {$280.00}. The company failed to respond and never shipped the order. I tried contacting XXXX  around XX/XX/XXXX and did not receive a response. I attempted to dispute the charge with Citicards on XX/XX/XXXX and received a temporary credit reversal. However, Citicards reversed the credit and sided with XXXX  despite the company failing to fulfill the order. I followed up with Citicards and provided additional information on XX/XX/XXXX showing that the company is a scam, but Citicards refused to advocate on my behalf because XXXX  refused to cooperate and did not provide a credit slip to Citicards
Product: Checking or savings account

XX/XX/XXXX Overdraft Fee for XXXX XXXX ( {$5.00} ) {$36.00} XX/XX/XXXX Overdraft Fee for XXXX ( {$10.00} ) {$36.00} XX/XX/XXXX Extended Overdraft Fee {$36.00} Regarding the XX/XX/XXXX fees assessed. I had a balance of {$10.00}. When I was made aware I had overspent by a XXXX, I transferred a XXXX to the account from a payroll card provided to me by my employer. Due to the normal processing time, the transaction posted prior to my deposit. I reached out to Suntrust to reverse the fee as I would not be receiving a new deposit for a week and they refused. Because of this I was assessed 2 fees. One of which for extended Overdraft on account of the XXXX difference. 

Most recently I had a transaction that settled in the morning preceding my deposit by a few hours. It posted to my account showing a current balance of {$5.00} remaining. However due to pending transactions that had not yet been processed affecting my available balance, Suntrust assessed an Overdraft Fee. I contacted them to reverse this fee and the rep and supervisor I spoke with informed me the fee is assessed based on the available balance not the current balance. I found this to not be sensible but was advised there was nothing more they could do but to cancel my overdraft protection which I authorized them to do. They would not refund the fee however.
Product: Credit card or prepaid card

Please see attached credit card statement that was paid in full XXXX. Amount due was XXXX and XXXX paid was XXXX. Today, I received another bill for interest for XXXX. When speaking to XXXX at Capital One, who refused to give me his last name, after quoting me rate and terms, he said the charges are for interest from XXXX XXXX. So basically, if they can continue to charge you interest on interest, basically, you can never then fully pay the account in full. 

I asked them if they were regulated under the CFPB and they also would not answer my question. They have refused to reverse the charge and now transferred me to XXXX XXXX. 

Is it legal to charge interest on interest?
Product: Credit card

See attached letter providing details about the unauthorized charges by an affiliate of Paypal
Product: Credit card

Account is still showing as a active charge off. Account is paid it should not be on my report
Product: Mortgage

We purchased a home in XX/XX/2019 and took out a mortgage. On XX/XX/XXXX, we sold our previous home and received payment for it. On XX/XX/XXXX we tried to pay off our mortgage. Our original mortgage was through XXXX XXXX XXXX in XXXX, and they quickly transferred it to CMC Funding. We received a letter dated XX/XX/2019, telling us of the transfer and to send all payments after XX/XX/2019 to CMC Funding. I called CMC Funding on XX/XX/XXXX and each business day since then asking for a payoff so we would quit accruing interest. Im told each day that it hasnt been fully loaded into the system and to call back in a few days. This has been going on for a full three weeks with no satisfaction. I have been told conflicting information and have asked to talk to a supervisor several times. I am told no one is available ( even though they were able to ask their supervisor questions ) and Im told a supervisor will call back within 24 hours and I have never received a call back. One employee told me they had XXXX loans to upload and that they were all supposed to be uploaded by Friday XX/XX/XXXX. I believe they could accommodate this request but dont want to do it yet because they earn interest every day until it is paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian can't deliver my credit report online via XXXX, and has been unable to do so for the past several years as I've tried to request my credit reports online through XXXX. Experian is required by law to maintain a working web site for accessing free annual credit reports under the FCRA and FACT Act. Experian is in violation of law. Experian needs to fix their web site so I can get an online copy of my free annual credit report as I am entitled to obtain by law. The CFPB should fine and sanction Experian for its routine and repeated violations of law.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX. They had opened a new loan and ran my credit without my knowledge. Last time I opened a loan was XX/XX/XXXX. They were pestering me to get a larger amount loan and I told them absolutely not!
Product: Credit reporting or other personal consumer reports

CAPITAL ONE BANK USA is illegally reporting hard inquiries on my credit report, on XXXX dated : XX/XX/year> and XX/XX/year>XXXX CAPITAL ONE BANK USA is illegally reporting hard inquiries on my credit report on XXXX dated : XX/XX/year> and XX/XX/year> According to 15 USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Student loan

XX/XX/XXXX received email for autopay feature. Applied. 
XXXX XXXX log in to see if I owe, it says I will have my auto payment drawn XX/XX/XXXX. I log out. 
XX/XX/XXXX I apply for a credit card and XXXX in disbelief and panic when I see my credit score has gone down over XXXX points. 
XX/XX/XXXX I log into Ed financial and see auto pay has not been paying, but claims it is set up. 
XX/XX/XXXX I then make the payment right away manually. The website insists I have auto pay? 
XX/XX/XXXX I send an email requesting for assistance in fixing my credit score as well as confusion as to why auto pay doesnt work. I relay that I have never encountered an issue with auto pay in my life. 
XX/XX/XXXX I submit a complaint/ case XXXX.
Product: Checking or savings account

Direct deposit of work check not recieved. Unable to reach an agent. On XX/XX/year>2025 an email was receivec advising there were issues since XX/XX/year>2025 that should have been resolved by today. No funds in my account and with a long weeked coming up, the bank should inform members if there are more delays but not even able to reach them by phone.
Product: Student loan

My income driven repayment plan date on Mohela is stated to be XX/XX/XXXX. XXXX 's website states that any recertification date prior to XX/XX/XXXX ( https : //studentaid.gov/announcements-events/covid-19 # income-driven-repayment ) will be delayed by a year, therefore, I did not recertify. Mohela is stating that my actual " hard '' recertification date is XX/XX/XXXX. Yet I have no documentation of this date in any of my files. There are no other dates listed for recertification. On XXXX 's website, My IDR anniversary date is listed as XX/XX/XXXX. Clearly there is no indication that I have a recertification date prior to XX/XX/XXXX. 

I called them on XX/XX/XXXX and the initial agent I spoke with agreed with me. But when he went to talk w/ his supervisor they determined there was a " soft '' and " hard '' recertification date ( this is after XXXX hours of waiting on the phone ). The supervisor called me back the next day and still could not explain where in my file this XX/XX/XXXX date is. She just said she knew that was the date. 

I believe that Mohela has arbitrarily determined these dates in an effort to further confuse consumers and force early recertifications to increase their payments which clearly violate the intent of the Department of Education to provide appropriate time for consumers to recertify. In addition, their inability to provide documentation to lenders must violate lending statutes. They are also clearly inept at communicating within their own department regarding these new rules and are not communicating appropriately with the Department of Education on how to manage the regulations that have been put in place. 

In what world can the Federal Government so clearly make a regulation and have an agency refuse comply? 

My understanding is that this is a larger problem and effecting many thousands of individuals. Mohela 's customer service is taking several hours to even answer and then even more hours to get any sort of resolution due to poorly trained staff. It is exhausting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to a divorce and XXXX treatments in eary XXXX, i was unable to keep up with a commitment to pay Comenity Capital Bank XXXX XXXX  XXXX XXXX  ) for tutoring services provided to my daughter. In appx XX/XX/XXXX, this debt was then sold to another company XXXX XXXX XXXX, XXXX  In turn, XXXX XXXX XXXX hired attorney firm XXXX XXXX to collect on the debt. In XX/XX/XXXX, I was able to pay off the balance directly to XXXX XXXX in two payments of {$460.00}. In XXXX and XXXX of XXXX, I spoke with XXXX XXXX  and XXXX XXXX regarding how my account was still being furnished as an unpaid charged off in an active collections status. They both indicated i would need to speak with Comenity Capital Bank XXXX XXXX XXXX XXXX ) regarding the credit furnishing since they were the actual company showing up on my credit report. I spoke with Comenity Capital on appx XX/XX/XXXX in which i was informed since i previously disputed the account, they could not update the credit furnishings. i spoke to them again on XX/XX/XXXX and was then told they could not update the account status because they sold the debt. i advised them per the Fair Credit Reporting Act that they had to furnish complete and accurate information and what was being furnished was not correct. There seems to be a process gap in between the original creditor and the buying company on communication as to when a debit is settled in full/less than half. it is u fair to me as a consumer to have my credit report reflecting i have a unpaid debt with Comenity Capital when i do not! please have them review my credit furnishings and update to reflect the account was settled instead of in collections/unpaid charge off. i am not sure if the coding sent to credit bureaus is incorrect or if the remarks/account status require updating, regardless, my credit report should not show as an unpaid charge off. i understand that once the debt was sold the balance was decreased to XXXX. what i do not understand and think is unfair is to not have my credit profile correctly reflecting the account was paid. i have previously disputed this but i do not think the company is truly investigating my concerns.
Product: Checking or savings account

In XXXX of XXXX  I opened a holding account with the PNC bank. 
To be clear, I have never used this account for any reason ; which means I have never written a check ; use a credit or debit card nor an ACH. I have never used this account for any transaction from since I made the initial deposit. 
I found out that the accounts were in fraudulent distress when I went to the bank to inquire about moving my money to a high yield saving account. I was told that there was an ACH withdrawal on the account to which I immediately told XXXX XXXX XXXX, the account XXXX, to file a fraud investigation into that transaction. She then told me that there were more transactions on both my saving and checking accounts. 
About a week on into the investigation an officer of the PNC bank in University XXXX in XXXX PA called me asking if I authorized a check payment. I quickly said no and asked the office of the bank to get the name and other information of the persons. He said that he would call me back but did not. 
Called and returned in person to the bank several times after but the dilemma becomes worst. The bank essentially told me that I was on my own and that I would conduct my own investigation. They told me that I have XXXX hours to file a complaint against an ACH if I need help from the bank. I refiled the claim this, a third time since and this is the stage at which I am in the process right now. 
I hope that some assistance can be had to resolve this issue. 
To resolve the problem, I would appreciate your kind assistance in reinstating all my money and interest taken from account. Enclosed are copies of my records I look forward to your reply and a resolution to my problem and will wait until within the next week before seeking help from a consumer protection agency or the XXXX XXXX XXXX Please contact me at the above address or by phone at. 
Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I submitted an inquiry to Chase Home Mortgage regarding refinancing my loan. At the time no authorization to pull credit was given. 
On or about XX/XX/XXXX I spoke with a loan officer at Chase name XXXX who verbally confirmed that no credit pull is required to generate a quote. 
A week later I got a letter from Chase confirming a credit pull and a credit score. That credit pull was done without my authorization. 
I submitted a complaint to their resolution center on XX/XX/XXXX only to be informed on XX/XX/XXXX that they did not pull my credit and asked me to submit to them documentation confirming that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts that were absolved by my discharged BK and the credit company has not removed the tradelines even after multiple attempts to dispute them. The discharged rental debt still showed and as a result I have had to pay more in deposits for renting an apartment. 

It has also caused for auto denials stating that they are still able to see debts that should no longer be there. 

Furthermore my student loans were consolidated years ago and those tradelines have not been removed well past the statute date.