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

Discover Student Loans XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX XX/XX/2024 Re : Dispute of Account Reporting Violations - XXXX Dear Discover Student Loans, I am writing to XXXX dispute the information reported on my consumer report pertaining to my Discover Student Loans. account. I recently obtained a copy of my XXXX XXXX and identified XXXX violations that raise concerns about the handling of my XXXXXXXX XXXX information, as outlined by the Fair Credit Reporting Act ( FCRA ). According to the FCRA, XXXX Institutions are prohibited from reporting XXXX XXXX information to XXXX XXXX parties without explicit consent. It has come to my attention that Discover Student Loans, being a XXXX institution, reported my account information to XXXX XXXX parties such as XXXX, XXXX, and XXXX. This action is a direct violation of the Fair Credit Reporting Act, as it discloses XXXX XXXX information resulting from the transactions between myself and Discover Student Loans.The FCRA considers my line of credit with Discover Student Loans as a XXXX XXXX transaction between me and Discover Student Loans. 
Discover Student Loans. However, violated the FCRA by reporting my XXXX  transactions and experiences with my line of XXXX to XXXX, XXXX and XXXX, entities that were not originally listed on my contract with Discover Student Loans. 
The reporting of my information to these XXXX XXXX parties occurred without my knowledge or consent. Discover Student Loans established this reporting without any disclosure to me as a consumer, representing a serious violation of the Fair Credit Reporting Act. No permissible purpose was granted by me to Discover Student Loans to create such a separate transaction or report my XXXX XXXX information. 
I am requesting the immediate deletion of these Discover Student Loans furnished from my XXXX XXXX maintained by XXXX, XXXX and XXXX. Attached to this letter are enclosures that validate my XXXX and support the submission of this dispute. 
I expect this account to be deleted forever in accordance with the Fair Credit Reporting Act. Your cooperation in rectifying these violations is crucial to maintaining the integrity of my consumer rights and XXXX profile. 

As you can see, Discover Student Loans is reporting my transactions as XXXX, and XXXX days late to my consumer report. According to the FCRA, my consumer report does not include the reporting of my transactions and experiences to any XXXX XXXX XXXX parties. But here, Discover Student Loans clearly reported my XXXX transactions to XXXX, XXXX and XXXX. 

Thank you for your prompt attention to this matter. I look forward to your XXXX response. Sincerely, XXXX XXXX
Product: Mortgage

The realtor on fha finance addendum is someone I never met named XXXX XXXX of XXXX  XXXX. I did not hire her as my realtor and documents show my signature forged alledging I financed a loan with seller for property.
Product: Checking or savings account

My issues all started on XX/XX/XXXX. My ex-husband and I used to share this particular checking account, and he still had his homeowners and car insurance set up to direct deposit from what is now, only my account. The amount was for {$1000.00}, from XXXX, and immediately overdrew my account. I am a XXXX parent whom has two jobs and a VERY tight budget, and this caused a snowball effect for me financially. 

To me, this is a VERY large sum, and I was at this point overdrawn and in the negative around {$800.00}. I am shocked that my account " allowed '' such a massive overdraft, especially without any contact prior to the debit. In addition, it allowed the overdrafts prompted by other auto-scheduled debits to continue -- -again, without any contact or personal notification! 

On this day, XXXX ) I had other bills previously scheduled to be withdrawn from my account, and was charged 3, {$34.00} fees for a total of {$100.00}. I received NO notification from Chase until the next day that my account was overdrawn by such a large sum. Unfortunately the notification was sent to me via email, and I didn't check it for several days. I am shocked that I never received any type of phone call either. My ex-husband was unaware of the withdrawal, and when I notified him, it took him another week to get me the complete amount to cover his initial withdrawal. 

I contacted Chase asking for help with refunding some of the fees, letting them know that the fees would just create a cycle for me that I would not be able to get out from under. They denied me, with no specific reason why and the cycle continued. 
I got charged on XX/XX/XXXX, {$68.00}, XX/XX/XXXX {$34.00}, XX/XX/XXXX {$34.00}, XX/XX/XXXX {$68.00}, XX/XX/XXXX {$34.00}, XX/XX/XXXX {$34.00}, and XX/XX/XXXX {$34.00} as a result of not being able to catch up. The fees totaled {$400.00}. 
I resent an email stating how another company that I bank with, XXXX XXXX only charges up to 3 overdraft fees a month at MAX and they still denied my claim.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX Balance Owed : {$630.00}
Product: Credit reporting, credit repair services, 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, 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.

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 card or prepaid card

I have been actively trying to communicate with Capital One Bank in regards to derogatory remarks being reported on my credit file. During late XXXX and XXXX I communicated with this company that I was not able to make on time payments due to the pandemic. This company would not work with me at all and has been reporting these payments to my credit reports. Also, Capital One Bank is in violation of my rights under laws. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

I have clearly stated this in several letters and they have continued to report these transactions. I have sent letters to Capital One Bank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have failed to remove these payments.
Product: Debt collection

I had a card with XXXX  XXXX, I feel behind on payments. When I attempted to fix the issue XXXX  XXXX had already closed and forwarded the account to collections. I contacted Midland credit management and tried to pay XXXX dollars for a settlement. The man I spoke to was really rude so I told him we're in the midst of a pandemic and I can't afford anything else. He told me no they wouldn't settle and took me to court and still charging me interest, robo calls and mailing. I asked XXXX XXXX 's office for help and was referred to contact this office. XXXX XXXX 's have all my copies including me asking not to be contacted again. I hope your office can help on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : SHABANA MOTORS XXXX Balance {$9900.00} ; SHABANA MOTORS XXXX Balance {$0.00}
Product: Mortgage

I started hardship application with Mr. cooper on XX/XX/2019, since then unnecessarily they have delayed the matter and kept on dragging it. They also asked me for my HOA fee when I don't have an HOA fee and I mentioned in in the application. I do not know which illiterate people they have appointed who do not have common sense. 

They also asked for my Profit and loss statement which I already submitted, and after its submission they paused my application, when I asked why? they said that there was no date after my signatures. How much insensible can you get. This is a height of insanity and not a reason to delay my application.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, 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 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: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

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 Balance : {$35000.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX Balance : {$760.00} ; XXXX XXXX XXXX ; XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified dispute letter mailed XX/XX/2023. Dispute letter received XX/XX/2023. Requested verifiable proof of consumer contract with signature that I had an account with this third party agency. Third party agency did not provide consumer contract with signature of account. It is within my right to file a formal compliant of dispute for the misrepresentation, fraudulent use and identity theft of my personal information regarding the CFRA law violations of this third party agency.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DPT EDXXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : XXXX
Product: Checking or savings account

Albert banking sent me a text alert on XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating they were mailing me a new debit card when i didnt ask for XXXX. A representative locked my account for " security reasons '' when i already verified myself. I have not been helped in anyway. I just keep being told that my situation has been escalated. The representatives have been ignoring my text messages and emails. Its currently XXXX XXXX XXXX XXXX with no resolution and no access to my online accout or money. On XXXX XXXX XXXX I provided XXXX forms of id 's & photo of myself to the albert agents. They have not tried to resolve my issue in a timely manner. I am waiting access to the remaining money in my account and i want to close the albert bank account. I have never had an issue until XXXX XXXX. To be ignored and to have gone XXXX plus hours without access to my money is unacceptable. I still have not received any feedback as to when i will be able to access my account. Albert banking does not value their customers and need a phone line where customers can communicate with a real person via phone.
Product: Debt collection

I previously submitted a Complaint about this this collection agent. In response to the complaint, they submitted complete LIES.     The response is a complete LIE! The response states : ... in response,  GC Services sen t  XXXX   XXXX  a letter on  XXXX   XXXX ,   XXXX   verifying the name and address listed on the account as well as the amount owed with our client. The letter additionally included an itemization of the current balance owed and enclosed billing statements provided by our client to confirm the underlying amount owed. In addition,  GC Services  has updated  XXXX   XXXX  credit reports to show the account as dispute d. 5.  Our client reported to us that payments have been made on this account and that the line was opened and obtained using  XXXX   XXXX  security question and/or password.  6 . We apologize for any inconvenience caused through our collections efforts. We encourage  XXXX   XXXX  to contact  GC Services  so that we may assist her in completing a fraud and identity theft application or provide other assistance to help her resolve this account.     NONE OF THIS IS TRUE. GC Services HAS NEVER RESPONDED TO MY LETTER. I did NOT RECEIVE ANY SUCH documents, itemization, NOTHING that the claimed in their response. Additionally, the phone was not leased with my security question or password.  XXXX  ACKNOWLEDGED they allowed someone else to lease the phone without these things,  XXXX  stated she was allowed to upgrade the phone " based on her POSSESSION OF THE OLD PHONE! '' This response further differs from what  XXXX   XXXX  told me during my conversations.     The ONLY PROOF of the amount owed that  XXXX  knows is in dispute is the {$170.00} " lease cancellation fee '', again, I demand proof of an executed lease! That is the ONLY proof that supports the charge - not an account balance or itemizations of FRAUDULENT charge. I asked for PROOF OF A LEASE which is the subject of the {$170.00} debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my consumer report with XXXX, Experian, and XXXX consumer reporting agencies, there is inaccurate information being reported. According to the ( FCRA ) Fair Credit Reporting Act, it is your responsibility to ensure the accuracy and fairness of credit reporting. I discovered these inaccuracies when I checked my consumer report on XX/XX/XXXX on the websites of each consumer agency. My address, incorrect employment name, and date of birth are all reported incorrectly. Along with this complaint, I have attached a letter that I sent to all three consumer reporting agencies on XX/XX/2023 through the USPS mailing service, and the letter was sent certified, containing the accurate information that should be reported on my consumer report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 at XXXX XXXX I was alerted to a fraudulent charge on my debit account totaling {$370.00}. The charge was declined, and subsequently my debit card was cancelled. That day I reviewed my transactions and identified two more unauthorized transactions to which Chase credited my account {$250.00}. This claim is still currently active as of XX/XX/XXXX. 
On XX/XX/2023 at XXXX, I received a text alert regarding an unauthorized Chase XXXX transaction, to which I responded that I did not authorize the transaction. I then received a call at XXXX from what I recognized as the Chase Bank customer service support line at XXXX XXXX XXXX. The caller indicated my XXXX account linked to my Chase account had been compromised. They instructed that in order to intercept the {$1900.00} payment, I needed to authorize a XXXX " halt payment '' to XXXX. I followed the caller 's instructions with the intention of protecting the indicated amount ( {$1900.00} ). My call was transferred to the number XXXX listed as JPMorgan Chase. 
The connection for that call was lost at XXXX but the steps I'd taken evidently led to the payment of unknown individuals for an account whom I do not, nor does Chase Bank have any connection to. 
At XXXXXXXX XXXX I called the number back which was the Chase Customer Service line and immediately filed a claim to dispute the transaction. There was a claim submitted at that time indicating the fraudulent nature of the call however they did not initially report the recipient 's information. The recipient account has since closed it's XXXX account. 
On the morning of XX/XX/XXXX I filed a report with the federal trade commission report # XXXX. On the same day at XXXX I called to follow up on the disputed claim over the phone with Chase 's fraud department. They asked for the recipient 's number at this time. After providing further information regarding the claim, I was informed that the claim was denied on XX/XX/XXXX. No further steps were suggested other than to report through the XXXX app. I did not submit a report to this website as the Report Zelle Scam form online explicitly refuses to compensate victims of this type of crime.
Product: Student loan

I have contacted Mohela regarding the status of my student loans currently under the PSLF program. Mohela keeps placing my loans in Forbearance status and each month since XX/XX/XXXX I have requested for them to remove the Forbearance Status. I contacted them on XX/XX/XXXX, XX/XX/XXXX ( via message portal ), and now today XX/XX/XXXX requesting for them to remove my account from forberance status. 

On XX/XX/XXXX, I received a letter again notifying me that my loans were placed in Forbearance status and I contacted them via phone on XX/XX/XXXX regarding this forbearance status to identify why it was placed and if it would impact my PSLF status as it relates to the amount of months being counted. I was told the forberance status would impact my time under the PSLF program. I explained that I did not request forberance and the representative explained that the loans were placed under this status due to me applying for the Borrowers Defense Loan Discharge. I explained to the representative that I specifically checked the box on the form for my loans to not be placed in forberance status and I have a copy of both of the applications. The representative assured me that she submitted a request for them to be taken out of forbearance status and it would not impact my PSLF count. I asked the representative if they would send me something in writing confirming they have taken my loans out of forberance status. The representative explained she could request that one be sent to me. A letter was never sent. 

On XX/XX/XXXX, I noticed my loans were still in forberance status and sent them a message using my account portal. I still have not received a response. On XX/XX/XXXX, I received a notice that my loans were placed in " Exceptional Discretionary Forbearance. '' I am presently on hold at this time to speak with another representative at Mohela with hold times of over 190 minutes. 

This seems to be a repetitive issue that is affecting my PSLF program and the amount of time I have left for repayment and I do not want this impacting it. Especially as the last loan servicer XXXX was not truthful about me going into payment status when I first started working in the public sector in XXXX. This has signficantly impacted my date of when my loans will be forgiven under the PSLF program as I was supposed to be finished in XXXX. Now I am scheduled to be complete in XXXX
Product: Debt collection

I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> The CFPB Complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681 c-2 ) that you Transunion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I purchased XXXX XXXX  through the XXXX XXXX XXXX and paid via paypal. Amount XXXX. Seller never delivered the goods. 

I contacted XXXX, paypal and my bank. None of these businesses did anything to help with the problem. 

The paypal transaction is as follows : XXXX XXXX XX/XX/XXXX, XXXX.Money Sent - {$180.00} Your recipient should have the money by XX/XX/2022. 
Repeat this transaction Paid with {$180.00} Transaction ID XXXX Contact info Message XXXX XXXX Details Sent to XXXX XXXX {$180.00} Fee {$4.00} Total {$180.00}