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

I am writing to formally file a complaint regarding multiple unauthorized hard inquiries on my credit report starting from XX/XX/2023 - XXXX XXXX. These inquiries were made by unknown companies without my knowledge or consent, and they have significantly impacted my credit score in a negative way. Despite my efforts to resolve the issue directly with Experian, the credit bureau has not taken adequate action to remove these unauthorized hard inquiries. As a result, my credit score has been negatively affected, leading to declined opportunities that I would have otherwise been eligible for, including credit applications and other financial transactions. I have made repeated attempts to contact Experian and dispute these inquiries, but no corrective action has been taken to date. I am concerned that these inaccurate and unauthorized inquiries are continuing to harm my financial well-being and creditworthiness. Additionally, I request that the Consumer Financial Protection Bureau intervene and assist in ensuring that these unauthorized hard inquiries are removed from my credit report, and that my rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I would Appreciate any support you can provide in this matter.
Product: Debt collection

On XX/XX/2021, A Affidavit of Truth and Cease and desist notice has been provided to Portfolio Recovery Associates by I, the consumer in fact via Certified mail number XXXX and Return Receipt tracking XXXX XXXX XXXX XXXX XXXX XXXX During the initial 30-day investigation period XXXX Portfolio Recovery Associates is on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills as it will be a violation pursuant 15 USC 1692g ( b ). Portfolio Recovery Associates communicated or attempted to communicate with the Consumer Reporting Agencies about me without my direct prior consent which is a violation pursuant to 15 USC 1692c ( b ) causing harm to my reputation which is also a violation pursuant to 15 USC 1692d ( 1 ). Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ). Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. Portfolio Recovery Associates has committed several federal violations against me, Federally Protected Consumer, for which I am entitled remedy. Portfolio Recovery Associates must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the Affidavit of Truth attachment to further explain this statement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  : Dispute of Inaccurate Charge-Off Information on My Credit Report Dear XXXX, I am writing to dispute inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( 15 U.S.C. 1681 ) and 611 ( 15 U.S.C. 1681i ). The information in question is a charge-off reported by XXXX XXXX with the account number XXXX. 

This charge-off is inaccurately reported because I have not received a XXXX form from XXXX XXXX, which is required under IRS regulations when a debt of {$600.00} or more is canceled. The absence of this form raises questions about the accuracy and completeness of the information being reported. Under the FCRA, credit reporting agencies are required to ensure maximum possible accuracy of the information contained in consumer reports ( 15 U.S.C. 1681e ( b ) ). 

Additionally, the status update and the status of the charge-off do not correspond and are contradictory. This inconsistency violates the FCRAs requirement for accurate and non-misleading reporting ( 15 U.S.C. 1681s-2 ). It is essential that the status of the account is reported accurately and consistently. 

The details of the inaccurate charge-off are as follows : Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Charge-Off : [ Date of Charge-Off ] Dispute Reason : Account Information Incorrect Attached, please find copies of relevant documentation supporting my claim. According to the FCRA, you have 30 days to complete this investigation and provide me with the results ( 15 U.S.C. 1681i ). If the account can not be verified within this period, the account must be completely removed from my credit report as required by the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ). 

Thank you for your prompt attention to this matter. I expect to receive a response within 30 days of receipt of this letter as required by the FCRA. 

Sincerely,
Product: Credit card or prepaid card

Bank of America closed my credit card account claiming, " past delinquency on one or more of your accounts with us and/or our affiliates ''. I was, in fact, delinquent on this account in XXXX and XX/XX/2020. I made small purchases in XXXX and, as with all of my other credit card accounts, I expected to receive my statement in the mail. I did not. I did not receive a paper statement and I did not receive an electronic statement. I did not receive any communication from them at all to let me know that my account was delinquent until after my account was delinquent over 30 days. Once the account was delinquent over 30 days, I received communications from them letting me know I was delinquent with my payment. Then, they closed my account and sent me an email letting me know that they closed it and that I would receive a letter in the mail. I called their " 800 '' number and spoke to someone who was incompetent and not able to assist me. A few days later, a letter from Bank of America somehow mysteriously showed up in my mailbox. For reasons unknown they did not mail my statements to me for two months, but they were able to mail the letter with their bogus explanation of why those closed my account. Now my credit score will take a huge hit because of their irresponsible behavior.
Product: Student loan

I am a XXXX XXXX and have been since XX/XX/2004. I have enrolled in the TEPSLF and PSLF programs. I have provided my employment information more than three times -- certified by my employing agency, the XXXX XXXX XXXX. 

My loan was transferred from XXXX to MOHELA, the company currently suing the XXXX XXXX over student loan forgiveness. 

In XXXX, a rule regarding periods of forbearance was promulgated. I have asked, even though my Senator 's Office ( XXXX XXXX ) to explain why my forbearance periods are not being applied and why my employment verification is not being accepted ( see attachments for both )
Product: Debt collection

Amsher Collection agency is attempting to collect on an account that I have no knowledge of. Pursuant to the Fair Credit Reporting Act, Fair Credit Billing Act and the Fair Debt Collections Practices Act my rights were violated because I never received any written notification regarding this account or there collection efforts. I was never given the opportunity to dispute or request validation of this invalidated information which is a violation of my rights as a consumer. The account name and amount is : XXXX XXXX XXXX {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} ; XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX Date of Inquiry : XXXX ; XXXX Date of Inquiry : XXXX ; XXXXXXXX XXXX XXXXXXXX Date of Inquiry : XXXX ; XXXXXXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX.
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 XXXX XXXX XXXX XXXXXXXX, 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
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 ( credit card ) # 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

this company Wells Fargo XXXX XXXX sent me XXXX pages of bank statements and telling me the date someone paid the bill. but they refused to give me what i ask for which is every single item a identity theft victim can request. except for, i don't want no fraud reports on my credit report. i have locks on there. i also want the account remove because the credit bureau says that the company verified it to its maximum accuracy which they didn't and they certified it over XXXX times from XXXX to XXXX XXXX. so i want the account removed, a letter from them showing that I do not owe anything, and a {$20000.00} check which is not even 5 % of what they cost me, not including punitive or statutory damages. im filing next week a demand letter and the beginning of the week after injunction relief and a civil suit for statutory and punitive damages if this is not solved. the XXXX branch of Wells Fargo called me and asked why I was bothering them and my credit is the one stolen and damaged. I'm saving the list of over XXXX violations for the civil suit if it gets to there. I have every record recorded and i will also subpoena their records too. Wells Fargo got caught for XXXX years in a role destroying American people 's lies and their policy should be known at least to cfpb and FTC and it should be changed. delete this account from my credit.
Product: Debt collection

XX/XX/XXXX Debt collector mailed stipulation and order and financial disclosure form for me to sign and date for paymen i i owe. 
XX/XX/XXXX Debt collection enter Judgment/and order me to pay. XX/XX/XXXX I wrote the Judge stated I do not owe this company any I was told to fill out earning garnishment debtor answer. I did not. 
XX/XX/XXXX Debt collector agency mailed me an letter demanding for full payment XX/XX/XXXX debt collector mailed my job earning garnishment.I informed my job please do not mail any payment to this company. 
XX/XX/XXXX Debt collector agency Attorney faxed my job letter demanding mutually agreeable terms to resolves debt account and wanted me to sign stipulation and calling my cell phone.Therefore my job was order to garnishment. I wrote the Judge again to reopen the case and motion was granted XX/XX/XXXX at XXXX was court day and the Attorney did n't show up. The next day I got and Letter from the company and the Clerk of Court Plaintiff respectfully requests to dismissed the hearing base on documents provided by the Defendant XX/XX/XXXX- XX/XX/XXXX. another Debt collector demanding full payment past 2 years this 2nd debt collection Attorney has been harrashing me and my job. this case has been scheduled Pre trail conference, court hearing. The first court day the judge ask for any documentation stated not owe this Company. I shown the account is closed, company has no record, and I file for dispute status from XXXX to prove this account is close, and I shown the judge copy of my old account I saved from the company bill statement. 
XX/XX/XXXX Judge close the case. Debt Collector reopen XX/XX/XXXX Mailled me another for Court for Notice of Hearing to Garnishment Wages. Than the company Mailed my Job Affidavit of mailing to payroll department Months later another court date to reopen this case and this continue each time during school has stated for work. During these Month this company has Garnish my wages with out any order for garnishment. This company has been fishing for information from the system from the first Debt Collector who ender judgement. 
XX/XX/XXXX asked the court to reopen this case again therefore, motion to reopen was granted. 
XX/XX/XXXX court day Attorney always order phone appearance. 
XX/XX/XXXX Debt Collector mail form to fill out for exception filled it out.and no respone from Debt collector XX/XX/XXXX Debt Collector mailed court order for court day XX/XX/XXXX I wrote judge a letter to dismiss this case and why, new judge for this case and I had to explain all over again Court date was XX/XX/XXXX at XXXX I was late for my court day coming from work and the judge order wages garnishment. what hurts so badly this company garnish my wages before court order and am paying a company I do n't owe.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX  Date of Inquiry XX/XX/2023
Product: Credit card or prepaid card

I attempted to log into my Capital One account and noted it showed closed account on XXXX/XXXX/20. I contacted Capital One to question why as I had paid of my balance and have always been in good standing. They advised it was closed due to non use. I advised I recieved no notifications and this would be damaging to my credit which it was. I spoke with a supervisor to request the card be reactivated since it was just done that morning. My request was refused and I was advised I could file a complaint or reapply. I asked how would I know the complaint was reviewed or who do I contact for status updates She advised she had no idea but would file it. I have never heard back and my credit has been severely impacted. I was an outstanding customer who was just disregarded and pretty much told oh well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$170.00}. Please update ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$2900.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently. I do not have an XXXX XXXX card, nor have I given permission or authorized anyone open an XXXX XXXX card. This false reporting of a collection/charge-off of an account that does not belong to me is seriously harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to have this item removed however, I have not been successful.
Product: Student loan

The lender does not disclose accurate account information in the collection of this debt. Paper statements and online account access does not clearly disclose how much interest is being charged to each student loan monthly. Furthermore, paper statements and online access do not show clearly show the application of how payments are applied, even when a borrower tenders payment application instructions. The lender advances payment due dates when additional payments are made beyond the IBR plan designated payment amounts. The concern is that when the payment due dates are advanced interest may be charged to the loan for the future due date period and then when the actual due date period comes interest is again charged to the loan for the actual period. A borrower would never know because the lender does not clearly disclose what interest is being charged, or how payments are applied ( pmt. to monthly interest vs capitalized interest vs principal vs fees ) on a monthly basis to each loan group. Therefore, a borrower can not understand the status of their loan in terms of growth or reduction, or have a real opportunity to identify discrepancies, and if needed dispute the accuracy of their account. 

Furthermore, if the lender holds several loans the loans are lumped together by loan type as one amount on the paper statements. This practice does not reflect the actual accounting of each loan and prevents borrowers from learning the actual amount owed and status of loans. Rather, the accounting practices of NMSL with borrowers who are on an income based repayment plan appear to be designed to minimize disclosure about individual loans, keep borrower 's in debt to collect as much as possible from them for as long as possible, and grow the debt as much as possible to allow for a bigger write off when loans are forgiven ; instead of allowing borrowers who are willing and barely able to make financial sacrifices beyond the mandated IBR repayment amount to make informed decisions that would allow them to actually pay off smaller loan amounts. 

In not disclosing a proper accounting of what is happening to the loans on a monthly basis and separating the loans by the actual loan amounts owed I am concerned this may be a violation of the Fair Debt Collection Practices Act.
Product: Student loan

This is in regard to Aidvantage failing to appropriately apply my payments to my unsubsidized student loans. This issue has led to unjust interest accruals, costing me financially and causing undue stress. 
On XX/XX/2023, I made a payment of {$6900.00} to Aidvantage, expressly intending for it to cover all my outstanding unsubsidized student loans. While a portion of this payment was applied correctly, a significant fraction was not, even though my records confirm that Aidvantage received the full payment. As a result of this oversight, my unsubsidized loans have unjustly accrued interest, especially detrimental given the timing right before the restart of student loan interest rates. 
Despite multiple attempts to rectify the situation, my efforts to contact Aidvantage have been thwarted. Their phone system lacks options to speak with a representative or leave a message, and my emails have gone unanswered. Such a pattern of behavior, which obstructs consumers from addressing critical concerns, borders on fraudulent and deserves the scrutiny of a consumer protection body. 
I urgently request the following : The immediate removal of any and all interest that has unjustly accrued on my unsubsidized student loans. 
XXXX XXXX  of my {$6900.00} payment to the intended unsubsidized student loans. 
An investigation into Aidvantage 's practices to prevent further harm to other borrowers. 
I sincerely hope the Consumer Financial Protection Bureau will take swift action to rectify this situation and hold Aidvantage accountable. No borrower should face such barriers when attempting to responsibly manage their student loan debt. 
Thank you for your attention to this matter.
Product: Checking or savings account

I had fraud transaction in the amount excedeed over XXXX dollars that I didnt do I live in XXXX state they were done in another state they wont credit it back
Product: Money transfer, virtual currency, or money service

XXXX WELLS FARGO XXXX XXXX : Was called by " sergeant XXXX '' XXXX from the XXXX XXXX sheriff department claiming I failed to appear in court and I am under penalty of 1968-1 due to not abiding to the Notice of Erroneous XXXX Exemptions. XXXX XXXX was the financial XXXX who would be collecting payment and he told me to send payments to XXXX, and XXXX XXXX payments in the amounts of {$1800.00} & {$600.00}. 

As soon as I transferred this money I called Wells Fargo immediately and asked them to reverse payment and they had said they could not do so bc it is through a non secured company, XXXX. I filed opened up a complaint through wells fargo and they dismissed it and said they do not have any phone numbers, addresses or contact information through XXXX. They were no help. However there is a protection clause that finacial institutions have and they disregarded this. I also asked for the routing, bank and reciepient information of who I sent the money to and they did not have that information.
Product: Checking or savings account

Opened a new account at bank with promo code offering {$300.00} bonus. Banker confirmed I qualify for {$300.00} bonus. This is for my account, XXXX XXXX. To date, bonus has not been paid. I called and was told systems are down. Just want the bonus as promised.