23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021 I requested Discover Bank to provide all requested documentation pursuant to 15 USC 1692 ( g ) ( a ), 15 USC 1692 ( g ) ( a ) ( 1 ) ,15 USC 1692 ( g ) ( a ) ( 2 ), 15 USC 1692 ( g ) ( a ) ( 3 ), 15 USC 1692 ( g ) ( a ) ( 4 ) and 15 USC 1692 ( g ) ( a ) ( 5 ). I am disputing the validityof this alleged debt.

I am requesting the name and address of the original creditor pertaining to this alleged debt. I am also requesting copies of a signed contract with Discover Bank pertaining to this alleged debt. 

As of XX/XX/2021 Discover Bank has still not provided all requested documentation. 

If all of the requested documentationis not provided I will be taking legal action against Discover Bank and XXXX, XXXX  & XXXX for the continued violations of my consumer rights, continuedattempts to violate my U.S. Constitution IV Amendment rights and harassment. 

I do require Discover Bank to satisfy these demands immediately.
Product: Student loan

I have a XXXX XXXX  on XXXX out of XXXX of my student loans. I was told by MOHELA that the XXXX remaining loans would " automatically '' go into XXXX XXXX  once the grace period ended. That did not happen. Those XXXX loans are now in a " repayment '' status and I am being informed by both MOHELA and the US Dept. of Education that I am late on paying those XXXX loans. 

I had a feeling MOHELA would be incompetent so I called them repeatedly BEFORE my first payment was due to confirm that my XXXX XXXX  would be applied to ALL of my student loans. I also have messages proving this. I will attached them as XXXX  and screenshots as evidence. 

After a lengthy stay in the hospital I came home to find out that my XXXX XXXX  was not applied to all of my loans even though MOHELA said it would be. This is causing damage to my credit score, interest is accruing, and I am being fined for being late in paying.

Here is where things stand now : I called MOHELA today and began speaking with an agent named XXXX ( ID extension XXXX ) at approximately XXXX XXXX  CST. She told me that it will take XXXX business days for my other loans to go into XXXX XXXX. This does not make any sense to me. XXXX of my XXXX loans went into deferment immediately yet the XXXX others will take XXXX business days? Also, I am being notified from both MOHELA and the US Dept. of Education that I am late in paying on my loans. Her response is that nothing negative is being reported to any of the credit agencies and that my interest on the loans will be " retroactively taken back '' in XXXX business days. I'm sorry, but I can't trust MOHELA to make good on this promise. Their previous promise that my loans will " automatically '' go into deferment after the grace period did not happen.

I would appreciate it if you could start looking into my situation now. I don't trust MOHELA to do the right thing.
Product: Debt collection

I will be attaching emails that show after I was emailed about the debt, it was paid the next day, and the following payments were made. the amount of XXXX is still incorrect. It states this collection was open XX/XX/year> and my last payment was in XXXX, so it doesn't make sense. Also, the date of XX/XX/XXXX is incorrect, this collection emailed me on XX/XX/XXXX trying to collect the debt.
Product: Mortgage

I was called by Quicken loans and offered a deal on a refi i told them i would only think about it they could offer me a good deal on a fifteen yr with a lower rate they made me a offer. 
we took the next step in the process which told i had to give a {$500.00} deposit to proceed and told it was refundable, when i got good faith estimate my wife and looked it over and we decided to withdraw from loan XXXX/XXXX/2015 i tried to contact the adviser and was able to get in touch him i had to call someone else they said they would withdraw the loan and everything will be all set, i followed up yesterday cause i had not got my refund yet and the person i spoke to looked in to it and said the loan had n't been withdrawn yet, i spoke with a supervisor they said they would look into it he called me back and said i would be able to get all of my refund because they had uncured charges during the process i called to withdraw 2 days before the appraisal so i should be able to get my money back, i was being charged ridiculous amounts and fees in closing costs, Another company was able to offer me a better deal without all those fees and costs, they take good faith deposits and find a way to keep it if you withdraw.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pulled my credit report without my authorization creating a " hard inquiry ' on my TransUnion credit report, and probably XXXX and XXXX, respectively. 

I submitted a dispute with TransUnion in writing, XX/XX/2023 and received official response dated, XX/XX/2023, informing me that they will not take any action, but to contact, XXXX XXXX XXXX XXXX XXXX XXXX  though the response from TransUnion and their policy say, " If you think an inquiry was made without a permissible purpose, we strongly encourage you to reach out to the company who received your credit report to find out whether they have opened an account in your name. '' The company can then investigate and, if they determine that someone fraudulently applied for credit in your name, they can close that account and contact TransUnion requesting removal of the inquiry. 

I did as I was instructed by contacting both XXXX XXXX XXXX XXXX XXXX XXXX and TransUnion to help resolve my issue but both continued have me have the other resolve the issue to have the inquiry removed TransUnion specifically said, " if you have specific information that the inquiry was made fraudulently, or does not relate to you, you can also call us at XXXX. And stated that, " Transunion reviews and considers all relevant information you provide when you open the credit dispute process and we take one or more of the below actions : - Determine the disputed information does not appear on your credit report or already shows the requested status, or - Make changes to your report based on the information you provide, or - Confirm the business or financial institution previously verified the reported information, or- We investigate your dispute by contacting the source of the information. '' I never received resolution from neither and the above mentioned parties. Please help get this issue resolved. Thanks!

Attached are the dispute letter sent and the response from TransUnion. And, XXXX XXXX  XXXX ( XXXX ) took a report but continue to make me goes back and forth between the XXXX XXXX  and XXXX with no ending resolution but long period on the phone between the two.

What would be a fair resolution to this issue? 

XXXX XXXX  XXXX XXXX XXXX XXXX the company that initiated the inquiry need to investigate and, if they determine that someone fraudulently applied for credit in your name, or the company pulled my credit report without authorization they can close that account and contact TransUnion and request removal of the inquiry.
Product: Credit card or prepaid card

This bank has been against me and refuses to process any of my store credit cards applications they immediately decline me with no reason not fair they hate me my XXXX XXXX XXXX XXXX XXXX this is not nice
Product: Credit reporting or other personal consumer reports

My identity and information was used without my authorization. There are several inquires on my report that I did not authorize. Please investigate and remove all unauthorized inquires on my credit report listed below XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm filing a complaint about DISCOVER BANK for their ongoing reporting of inaccurate information on my credit report. Despite several disputes regarding this account ( Account Number : XXXX ), nothing has been done to correct or remove the errors. These inaccuracies are seriously hurting my credit score and misleading potential lenders. I've repeatedly tried to resolve this by contacting both DISCOVER BANK and the credit bureaus, but the issue remains unresolved. This lack of action is causing continuous financial harm, making it difficult for me to secure loans and other credit opportunities. Its also taking an emotional toll, as Im dealing with the stress and consequences of these errors.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act XXXX  XXXX XXXX acct # ending XXXX, Kohls acct # XXXX, and Capital One acct # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This creditor has reported to XXXX XXXX and XXXX
Product: Credit card

At one point I had troubled credit. I applied for a First Progress secure card. I started out with a {$300.00} limit due to that being the amount of my deposit. I fell on hard times and was not able to continue to pay. I stopped paying the card in which I assumed the deposit would be used to satisfy the debit and account would be closed. Now they are report the account as charged off due to late fees that accrued on the account for XXXX months. In addition, with the item being charged off they are reporting the items as currently delinquent. My problems are below 1. How can a company report something past due each month if the account is charged off 2. How can a company over draw a secure account with fees if the usage of the account never let me overdraw the account? 
3. The company was not able to reproduce my original application to show validity of account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted written requests to all 3 Credit Bureaus disputing inaccurate information that should be removed and it has been 30 days with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the THIRD complaint I have had to make about the lack of response. My first was made on XX/XX/2020 with XXXX and was accompanied by a dispute submitted directly to the bureau ; the dispute number was XXXX. The second was made on XX/XX/2020 with XXXX and Equifax, which were also accompanied by a dispute submitted directly to the bureau ; those dispute numbers were XXXX ( XXXX ) and XXXX ( Equifax ). While I understand that there is a pandemic which can cause delays, I have not received anything from the bureaus since my dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything. Data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Equifax and XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has several accounts with my name and information on it. Fraud has occurred. I closed out stolen cards and XXXX account linked. I tried calling and they act like they cant help transferring me over XXXX times to different t departments.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. The ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A States that I have a 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. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX
Product: Bank account or service

I received a check from XXXX to deposit into my account. After I deposited the check, the bank told me that the check is counterfeit. They closed my personal checking account along with my husband and my joint account. The fraud department told me that I have committed fraud. I believe that I am the victim in this situation and not the fraudulent person. We have been with Wells Fargo Bank since we retired and moved to FL 6 years ago. The bank wo n't let our mortgage check get paid from the joint account or let us use our money from that account. I think this is wrong and accusing me of fraud is wrong. Wells Fargo Bank has been very nasty to me and my husband about this. If they want to close an account, they should just close the account where the check was deposited. I do n't think they need to close an account that did not have the counterfeit check deposited. Wells Fargo bank told me that since I deposited a counterfeit check that I will never be able to have an account at their bank again. They are punishing me even though I am the victim. They wo n't let us have access to OUR money. I am ready to hire an attorney to deal with Wells Fargo and their saying I committed FRAUD and shutting down our joint account with my husbands social security money in it. They wo n't say that I am the victim with the fraud business that paid me with a counterfeit check. I make all of my deposits thru the ATM and they say that since I deposited the check thru the ATM that it is FRAUD. If they look at my history, I always deposit thru the ATM! I think Wells Fargo Bank has falsely accused me of FRAUD and not going after the people who wrote and sent me the counterfeit check is the easy way out for them. Wells Fargo Bank should investigate who the people are that wrote the counterfeit check and shut them down.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 11 accounts that do not belong to me I have been going back and forthe with the bureuas regarding this since XXXX of 2020 I have opened an FTC I have called and written letters to the bureaus but nothing is being opened or even looked at I need this taken care of since these are not my accounts and they do not belong in my report!!! 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  CARD Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

Below is a copy of the email I received : From : XXXX XXXX XXXX Date : Tue, XX/XX/2020 at XXXX XXXX Dear Debtor, I am the attorney of the National Credit Collections ( Hereinafter Plaintiff ), I have received your case file today from XXXX XXXX. The accounts department XXXX National Credit Collections has decided to mark this case as a flat refusal and press legal charges against you. 



This Legal Proceedings Will be issued on Following Details : Docket no:XXXX Reference # : XXXX AMOUNT OUTSTANDINGXXXX Settlement out of court : XXXX ( Only valid for today ) And we apologies that the Arrest Warrant Which you will receive in your next email positively by Monday will also be sent to your current employer too. The opportunity to take care of this voluntarily is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 



We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to XXXX and will be totally levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 



Thank you National Credit Collections XXXX XXXX XXXX # XXXX, XXXX, TX XXXX National Credit Collections 2020 XXXX XXXX Terms of Use | Careers | Complaints | Privacy Policy -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.
Product: Debt collection

Was not the generator at the time for student at XXXX XXXXXXXX XXXX Student used her credit.XXXX Florida. This was definitely fraudulent activity.
Product: Vehicle loan or lease

I made a payment on XX/XX/2023 that was due on XX/XX/XXXX. Right now my account shows passed due payment and requests doh or payment. I have called many times but their system is down and agents keep hanging up on me without any information. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX   XXXX, XXXX  XXXX, XXXX XXXX XXXX and XXXX  CARD XXXX
Product: Debt collection

I am writing to file a complaint regarding an unauthorized third-party collection appearing on my credit report. I have no record or knowledge of the debt that this third party claims I owe. The collection agency has not provided any verification or validation of the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). 

I request that the CFPB investigate this matter and assist in having this illegal collection removed from my credit report. 

Thank you for your prompt attention to this issue.
Product: Debt collection

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 U.S.C 1681. 

Hwarfield- Sunbelt account numbersXXXX, XXXX XXXX XXXX This company has been calling and harassing phone me all day and night after being told to stop. As a consumer my rights have been violated. 
12 CFR 1006.14 harassing, oppressive, or abusive conduct 12 CFR 1006.6 ( b ) ( 1 ) Communications in connection with debt collection I asked for Sunbelt to send me the consumer verification of this debt I the consumer haven't received any information about this debt.
Product: Student loan

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XXXX - XX/XX/XXXX.
Product: Debt collection

Paid off a settlement offer for a debt to Discover Card, Account # XXXX. They said they would send a letter within 24 hours acknowledging payoff, and never received it. Then said 24-48 hours, then said maybe Tuesday. Need this pay off to be able to credit card process for my business, hurting my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX military personnel, I have my money deposited for my loan to be paid and USAA is to take the money out as scheduled on the 15 and 30 of each month. The money just sits in the account to be drafted on the specific date scheduled. I have spoke with representatives that are extremely rude, I have also tried to speak to a manager and the leadership refuses to speak with me as well. USAA takes the money out 3-5 days later when the account is lower than the loan amount and then reports to my credit the loan is being neglected which has taken my credit score down 70 points. As a military personnel I am unable to always call as to why my account is authorized for auto draft. These false reports is causing my superiors to be alarmed thinking I have a failure to maintain financial responsibility. I need someone to please assist me so I can continue to do my job in protecting our country with a clear state of mind.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting at the list of accounts below has violated my federally protected consumer rights to privacy an confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 Section 602 A. States i have the to privacy.

15 U.S.C 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 reportin agencia may make any consumer report containing any of the following items of information 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 ) ( a ) 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. 



XX/XX/2023 XXXX XXXX XXXX ( bank ) XX/XX/2023 XXXX XXXX XXXX ( bank )