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

In according to the Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I looked at my Experian credit report on XX/XX/year> and noticed somethings were inaccurate and incomplete. And according to the fair reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the information concerning individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) 15 U.S.C. 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall, based on the requirements of subsection ( e ), certify that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to the consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX Account Number XXXX please sent me a copy of the validation of this account failure to do so remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureau was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

XXXX XXXX XXXX XX/XX/2016 Amount {$240.00} Phone of debt collector : XXXX Collector : Pendrick Capital Partners II LLC XXXX XXXX XXXX XXXX IN XXXX email : XXXX XXXX
Product: Vehicle loan or lease

Purchased Hyundai XXXX, XXXX at lease end in XXXX, XXXX. Asked for title to be mailed with signature required or couriered due to epidemic mail theft and fraud in Georgia covered by media and experienced directly by us. Title never arrived. We use a mail monitoring service. That XXXX service never flagged the title arriving either. We actually think it may not have been mail theft, but Hyundai failing ever to mail the title at lease end. In XXXX after multiple calls to Hyundai with long hold times, got our case escalated ( ID # : XXXX ) and had a customer service person, XXXX, to deal with directly. This assignment/escalation occurred XX/XX/XXXX. Hyundai agreed to request the title a second time and to courier it to us this time. XXXX indicated 4-6 weeks. 

As of XX/XX/XXXX, Hyundai continues to claim it is still waiting for the title from GA DMV. DMV AND XXXX XXXX XXXX, Ga dept of finance, confirm the replacement tilte was mailed XX/XX/XXXX to Hyundai Lease Titling Trus, XXXX XXXX XXXX XXXX Tx XXXX. In an email dated XX/XX/XXXX, XXXX once again claims it has not received the title from the DMV. I have reported to this to XXXX on a recorded line three times now. He is suddenly not returning calls. 
This obstruction to our title for a vehicle we own is damaging and serious. We can not to what we want with the car. It clearly violates business/consumer law and ethics. Communicating with the company has been extremely challenging and over an extended period of time ( XXXX XXXX to XX/XX/XXXX ). The most recent automated reply is below. 

This communication is to advise you that we are still working on your escalated request ( ID # : XXXX ). There is no action required on your part at this time. We will contact you by Phone, SMS, or Email when we have an update regarding the status. You may also contact your case manager XXXX XXXX directly at XXXX. 

As of XX/XX/XXXX, the duplicate paper title is still pending from the GA DMV. Hyundai Motor Finance has not yet received the duplicate title. Upon receipt, it will be promptly processed and forwarded to your address on file. 

Thank you for choosing Hyundai Motor Finance.
Product: Credit card

I closed all my accounts with Capital One on XX/XX/year>. After I closed the accounts, my checking account was at a XXXX balance and I made one last payment on my credit card, which reflected the balance in full. I received notice from the bank that my accounts were paid and closed. However, several months later, I received notice from one of the credit agencies that both my Capital One checking account and credit card account were reopened, are showing balances, and are delinquent. Apparently, after I paid my credit account statement in full, Capital One charged me {$25.00} in interest and continued to charge me interest and lates fees month after month because of my " unpaid '' balance. In addition, for my checking account, they apparently reopened my account and allowed a {$39.00} withdrawal, that I disputed as a fraudulent charge and that they gave me credit for months before I closed the account. So not only is my credit card account showing a balance of {$93.00} based on a {$25.00} interest charge that I was unaware of, but my checking account is now showing a negative balance of {$39.00} which was charged off. They are reporting to the credit agency that the accounts are delinquent and that the accounts were closed my them, which I assume is because they reopened the accounts after I closed them and then closed them again. My checking account is showing as " restricted ''. I closed both accounts in XX/XX/year> and both accounts were in good standing at that time. Further, after I closed my accounts, I moved out of state and changed my phone number. I never received any notice from Capital One that they reopened my accounts. After I received notice from the credit agency that my accounts were delinquent, I called Capital One and asked them to waive all the fees and they refused to. This is abusive and unfair practices.
Product: Checking or savings account

Hello, I opened a checking account offering a {$600.00} promotion after {$10000.00} in direct deposits back in early XX/XX/2023. Promo code for bonus was XXXX and entered during application process to open account. Requirements for the bonus were met but no bonus has yet posted to account. It has been 5 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
DEPT OF EDXXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX  XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF EDXXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXXXXXX Balance {$0.00} XX/XX/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 Balance {$0.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXXXXXX XXXX ) XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$43.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1000.00} ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Debt and Violation of 15 U.S.C. 1692c " To Whom It May Concern '' ], I am writing to formally dispute the debt you claim I owe, as referenced in your communication dated last year. I believe this communication violates 15 U.S.C. 1692c, which outlines the restrictions on how and when debt collectors can communicate with consumers.
Product: Debt collection

This corporate account was established by XXXX during my former employment without my consent. At no point did I agree to accept personal liability for this account. I was instructed by a senior employee to utilize the card for business expenses and to submit requisitions for repayment. These requisitions were not reimbursed to the corporate account, resulting in unpaid balances. The employee responsible for these practices was subsequently released from the company for their misconduct. 

Despite my efforts to resolve this matter directly with XXXX, the company has failed to repay the requisition amounts owed on their account, which has been erroneously attributed to me and collection activities began in 2024. This corporate account was solely used under instructions provided during my employment, and all communication records confirm that the responsibility for this debt lies entirely with XXXX. 

I have also notified Transworld Systems Collections Inc. ( TSI ) of this obligation and my part of the obligation. To clarify and rectify this issue, I am formally requesting the following documents from XXXX XXXX XXXX, the credit card company handling the XXXX XXXX XXXX for XXXX, and from Transworld Systems Collections Inc. ( TSI ) : 1. ) Original signed contract/agreement bearing my original wet signature.

2. ) Chain of title with proof of assignment, as outlined under UCC Article 9-203.

3. ) Detailed breakdown of the debt, as required under contract law and UCC principles.

4. ) Original creditor 's accounting history, as detailed under UCC Article 9-210.

5. ) Proof of permissible purpose for reporting this account on my credit file, in accordance with FCRA, 15 U.S.C. 1681b.

6. ) Assignment agreement between the original creditor ( XXXX  ) and Transworld Systems Collections Inc., as required under UCC 9-203. 

I expect immediate action to address this matter and to remove any implication of personal liability from my name.
Product: Student loan

As a consumer we expect for large financial corporations to be fair and practice integrity. As of XXXX, I am still utterly disgusted with the customer service received from MOHELA over the past few moths. So many inconsistencies, and unclear information being passed around, that the level of trust is below XXXX right now. I've made complaints and they have sent me responses and letters regarding updates, BUT the messages have not answered my questions, or given me a satisfactory response. I have spoken to at least upwards of 15 reps, and no one has given me information that makes sense. Its not clear to me that any of the reps truly understand the PSLF process. Whoever looked at my complaint seemed very eager to close out the complaint and send send a response, that they disregarded my need to have a resolve. 90 percent of the reps I have spoken to are in training, which is very telling.
Product: Debt collection

I am requesting to have the following accounts that are reporting on my credit report removed immediately due to being the result of identity theft as well as fraud. The account referenced is XXXX XXXX XXXX $ XXXX XXXX collector was XXXX. I reached out to them requesting a debt validation letter as well as a signed assignment agreement and they were unable to provide me with this information. I then found out that they sold the debt to XXXX XXXX XXXX and when I reached out to them for the same requested information, they were unable to provide me with that as well. This collection has already been removed from the other bureaus due to fraud and identity theft and should be removed from Equifax as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Payday loan, title loan, or personal loan

Thank you for reading into my complaint ... 

I'm writing to express how disconcerted I am with the way Wells Fargo 's personal loan system closes out accounts. This seems to be an unfair, systemic problem rather than a lone wolf issue. I applied for a 2nd lower interest rate loan through WF, just enough to pay off the balance from the 1st WF loan, which was viewable online. Nowhere did I see online that I needed to contact them by phone or go into a bank to close the account to get the ACTUAL remaining balance ( which would include " interest '', {$66.00} ), though I'm told it's within the online statements, which I still haven't found. The phone banker informed me people have expressed frustration with this before. 
It makes no sense why this " final interest '' amount is not written in bold or red text within the online page where that total balance is being paid off. It was XX/XX/XXXX when I paid the remaining balance and I planned on calling today, XX/XX/XXXX, to actually close the account. It was only at this point that I saw a {$66.00} balance online. 

It's taken me 1 hour of phone time and a lot of push to get {$10.00} waived since I feel strongly that this is unfair practice, it's sneaky and makes me feel like this remaining interest may not in fact be that! It draws the sense that they are just tagging on extra random fees and calling it interest. 
I paid the unwaived {$56.00} reluctantly ( via transfer from another WF acct ) and closed the account over the phone, but after reconsideration called back and requested the {$56.00} be refunded too. After another hour of reexplaining my situation to a handful of employees from various departments I was told it's " impossible '' for them to reverse the transaction since my personal loan account is now posted as closed ( even though XXXX initially approved the refund after the closure ). I gave up with them today but am reaching out to you because there is no way this isn't an issue for others and I don't want this to continue happening. 
I was told there is a XXXX cent daily accrual on these " interest '' fees after what I thought was my final balance. What if I didn't check my account for a month?! What if I were impoverished and literally scraping for pennies to get by? For someone like my mother who never goes online ( I sometimes go online for her and do transfers, etc. ) we wouldn't think to even ask about a remaining interest balance for a loan we thought was paid off. 
This isn't a checking account that we view the balance of at ATMs or online most days, it's a LOAN that many people often receive the balance for once a month when they get statement letters in the mail! So XXXX cents times how many days or months for older citizens or people who aren't able to view these balances regularly? Wells Fargo allows these accounts to continue accruing interest. 

There needs to be a better way to regulate this. 

Thank you again for reviewing my complaint. 

Best, XXXX
Product: Checking or savings account

About XX/XX/2020, I opened a Charles Schwab Checking account using user name " XXXX ''. After a day, Charles Schwab closed my account. When I inquired about the reason, Schwab advised that they closed the account due to negative information contained in a XXXX  credit report allegedly obtained using my personal information, including my social security number. Schwab also advised me, via phone conversation, that my XXXX  credit score was XXXX. 

I contacted XXXX  and obtained my credit report on XX/XX/2020 and again on XX/XX/2020. During a conversation with a XXXX  supervisor on XX/XX/2020, the supervisor advised that no negative information was contained in the XXXX  report and he advised me that my score was XXXX. This score corresponds to the score I received on XX/XX/2020 from XXXX. 

Schwab advised me to reapply XXXX user name " XXXX '' ) in which I did. Schwab then on XX/XX/2020 closed this second account. 


I called schwab and explained to them that I had credit reports and a score from XXXX that contradicts what they claim XXXX  reported to them. I asked them to investigate and they refused stating that they were basing the decision on the report. When I advised them that their information is not what XXXX  has listed on my personal file they said they will not disclose any information to me other than the fact that they closed my account due to the XXXX  negative report. 

Schwab will not assist me further or investigate my claim that they are receiving erroneous information about me. I even offered to send them my report that XXXX  sent to me. I told them that my credit scores for the three major credit bureaus were all over XXXX and told them an error was made in the decision to close my Schwab accounts. They send I could reapply, but since I was denied twice, they doubted I would be approved.
Product: Credit reporting or other personal consumer reports

I am writing to address an issue with my account, where an old address and incorrect names are being reported. I no longer reside at the listed address, and the names associated with my account do not belong to me.The credit reporting agencies are violating my rights and failing to comply with FCRA laws by inaccurately reporting incorrect names and addresses on my credit report. 
Here are the following errors I found as per the FCRA : XXXX XXXX XXXX This is not the correct spelling of my name. 


XXXX XXXX This is not the correct spelling of my name. 


XXXX XXXX This is not the correct spelling of my name. 


XXXX XXXX XXXX This is not the correct spelling of my name. 


XXXX XXXX XXXX This is not the correct spelling of my name. 




XXXX XXXX This is not the correct spelling of my name. 






XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX This is my mom 's address and I do not live here nor is this address deliverable to me by the US Postal Service per the FCRA. Immediately delete this address because your company has illegally mixed or merged someone else 's address and other personal information in my credit report. 


XXXX XXXX XXXX XXXX XXXX, NJ XXXX This is my father 's address and I do not live here nor is this address deliverable to me by the US Postal Service per the FCRA. Immediately delete this address because your company has illegally mixed or merged someone else 's address and other personal information in my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX This is my sister 's address and I do not live here nor is this address deliverable to me by the US Postal Service per the FCRA. Immediately delete this address because your company has illegally mixed or merged someone else 's address and other personal information in my credit report. 


You are still reporting an old address that I no longer reside at. I attracted my Social Security card, a recent utility bill, and an updated copy of my drivers license as proof of my current address. I kindly request that you update my account with this accurate information to ensure my credit report reflects where I actually live XXXX XXXX XXXX XXXX, NY XXXX and my name XXXX XXXX XXXX is not the correct spelling of my name.