23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am a XXXX student at XXXX XXXX who received a late notice bill for my loans on XX/XX/XXXX, which shocked me since I did not even know that I had a payment. I have tried calling and messaging MOHELA 's customer service about this but to no avail. I am also concerned that my interest on my loans is even correct. I have seen the issues other borrowers face with MOHELA and their incompetence.
Product: Debt collection

While I was in XXXX on XXXX XXXX with opened my credit card back in XX/XX/XXXX. I didn't use my credit card for while due to training and serving XXXX in XXXX. In early XXXX, I started to check my bank account and saw my credit score went down below XXXX which never use before later on, I check there was a debt collector who tries to sue me that I own them from old apartments which were no longer there. I spoke to XXXX as a manager in XXXX XXXX XXXX XXXX XXXX XXXX XXXX See the statement below 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 XXXX XXXX XXXX  Comments Account information disputed by consumer under the Fair Credit Reporting Act
Product: Debt collection

In accordance with the fair credit reporting act XXXX XXXX XXXX violated my rights under credit fair act on XX/XX/2019. I mailed them supporting documents that the information that was reported was inaccurate 15 U.S.C 1681 section 602. A. States. I have the right to privacy.

15 U.S.C 1681 section 604.. a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

In late XX/XX/2020, my U.S. Bank Reliacard account, through which Pennsylvania provides me Pandemic Unemployment Assistance, was locked : an " account restriction '' to prevent fraud. I was given no notice of this ; I found out when I called U.S. Bank to inquire why a transfer I had made to my personal credit union checking account never processed. 


When I called, I was told that, to unlock my account, I would simply have to upload a photo of my government-issued photo ID. I was told this only after asking to speak to a manager ; prior to that, the agent I spoke to said he was " unsure '' why I could not make transfers to my checking account or otherwise use my card. The agent then told me that it would take 5-10 business days for U.S. Bank to review my upload and unlock my account. This was over a month ago. 


I have called and spoken to representatives 5 times after waiting the full 10 business days. I have been told that the true time for review is 10 to 15 days. I have been told that I simply need to wait, and wait, and wait. 


This is unacceptable and, in my opinion, amounts to a deprivation of benefits in violation of my right to due process. 


I would like the issue addressed and implore the CFPB to investigate U.S. Bank for this practice, which, if you search the internet, is happening to many PUA beneficiaries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX You are in direct violation of The Fair Credit Reporting ACT ( HUNTER WARFIELD INC ) has violated several of my rights. 
15 U.S.C. 1681 Section 602 A. clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604A. Section 2 it also states a consumer reporting Agency can not furnish an account without my written instructions. 
15U.S.C. credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN TRYING TO GET THE BUREAUS TO LOOK INTO THESE ITEMS REPORTING ON MY CREDIT REPORT BECAUSE I'M TRYING TO PURCHASE A NEW HOME FOR MY FAMILY.
Product: Debt collection

Debt was first published in XX/XX/XXXX.  Found out in XX/XX/XXXX because almost lost my clearance at work. Talked with representative in XX/XX/XXXX about why I did n't pay debt because apartment was mold infested and I have the pictures to prove it and was debating on weather I was gon na to sue. The rep stated he wanted to see them and he would send me the material to send them in. I never heard from him again and the debt was taken off my report. So I decided to forget it. 

Now it is back on my credit report again four years later, with no prior written notice. When I called National credit Systems, I was told it probably just fell thru the cracks.
Product: Debt collection

Repeated calls up to XXXX each day. No messages are left
Product: Debt collection

There are so many little collections listed that go away and come back, they are unknown, requested several times from ALL the companies and nothing has been received. I want this removed CAPIO PARNERS LLCXXXX Balance : {$200.00} Capio Partners LLC XXXX Balance : {$200.00} Capio Partners LLCXXXX Balance : {$200.00}
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to dispute information on my credit report related to XXXX loans. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and specifically under Section 609, I am formally requesting validation of the reported XXXX loans. 

I believe that there may be inaccuracies in the reporting of these loans, and I am exercising my right to dispute and request verification of the information in accordance with the FCRA. The specific details of the disputed information is attached in document and I am aware of my rights under the FCRA, which grants me the right to dispute inaccurate information and obligates the credit reporting agency to investigate the disputed items within 30 days. Additionally, under Section 609 of the FCRA, I have the right to request validation of the reported information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX credit card on my account. Ive been disputing for the past 3 years but they keep denying me. I placed a fraud alert on my account since XX/XX/2017. XXXX has this on my credit since XX/XX/2017.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal regarding multiple overdraft fees that I have incurred. Despite having sufficient funds when transactions transpired, I was charged fees due to lag timing and posting of credits and charges. This issue aligns with the recent CFPB findings against Navy Federal credit Union for similar practices were transactions were settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX repeatedly ignored requests to remove the inaccurate remark for my account in Descriptor # 1 that states " Consumer disputes after resolution ''. I am not have not disputed anything after investigation and have requested that the remark be removed but no one responds. The credit bureaus removed it only for the mortgage company to repeatedly report it each month even though this is false information. It should be removed immediately.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I filed an complaint about XXXX XXXX about information on my credit report that is not mine. The company responded and claimed they called me numerous times and sent out 11 letters attempting to collect a debt. I never received any type of information from the company and they claimed to have sent a letter with the information and documents from the original creditor. They provided a tracking number. I checked the tracking on XX/XX/XXXX thinking I should have received some type of information in the mail after 10 days. Turns out the tracking number provided stated the letter was undeliverable. I filed disputes with the credit bureaus on fraudulent addresses that were listed on my credit report and the credit bureaus deleted the 2 false addresses that I never lived at. I 'm not sure what address and phone number XXXX XXXX has on file of the alleged collection but none of the information is valid. I went ahead with the advice from the last complaint and filed an Id theft with the FTC.
Product: Mortgage

My loan is serviced by PennyMac. I have had two issues with my escrow account requiring me to call PennyMac. The most recent issue has been regarding my homeowners insurance coverage. 

XX/XX/XXXX : We received an e-mail from XXXX XXXX alerting us that our homeowner 's insurance payment was overdue. 

XX/XX/XXXX : We received a letter from PennyMac that our homeowner 's insurance had lapsed. 

On the PennyMac website, under the Escrow page, it shows the current insurance policy number matching the insurance policy coverage period of XX/XX/XXXX - XX/XX/XXXX. The old policy matches the new policy received for the coverag eperiod of XX/XX/XXXX - XX/XX/XXXX. XXXX XXXX stated they have reached out twice to receive payment from the escrow and have not yet received payment. Per the PennyMac website, it shows the " Responsible party '' as " PennyMac on Borrower 's behalf '' The earlier issue I had was for remittance of the property taxes. Similarly to the current circumstance, I had to contact PennyMac to let them know I had received a delinquent property tax notice from XXXX XXXX, MN. The payment information and payment due date in PennyMac 's system matched with what was on the property tax statement. I also had to request that they pay the late fee assessed on my property.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED FRC/TBOM 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am a victim of identity theft .This collection agency is not only reporting fraudulent account. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with XXXX XXXX. They dont respond to my disputes and keep verifying this fraud to the credit bureaus.
Product: Student loan

On XX/XX/2022, XXXX XXXX XXXX notified Ed Finical of a vulnerability within the system. 
On XX/XX/2022, the investigation started XX/XX/2022, and concluded that personal loan information had been accessed by an unknown party beginning XX/XX/2022 and ending XX/XX/2022. 
XX/XX/2022, Letter was sent from Ed Finical stating that my personal information ( Social security number, name, address, phone number, email address ) Edfinical offered access to a credit monitoring and identify theft service XXXX for 24 months. 
No further actions were taken by Edfinical or XXXX. Millions of identitys now at high risk of having their lives destroyed because of the incompetence of a company responsible for millions of dollars.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 : A representative of XXXX and another from XXXX XXXX & Mosaic ( via door to door sales and the high pressure, deceptive acts typically associated therewith ) & gave a sales pitch whereafter documents memorializing the verbal representations were to. XXXX sent to me for review. At no time did I see, review or sign ( electronically or in ink ) any document. Instead, apparently each promptly emailed me 70+ pages of agreements and other documents which were purportedly signed by me. Im a retired attorney. I KNOW not to sign anything I have not read let alone agreed with. Upon learning the extent of this identity theft or fraud, I have spent these last 6 months of my remaining life being given the run around without remedy. Lies, lies. 
Also, Mosaic and either XXXX or their partner, XXXX XXXX have created a {$4000.00} line of credit for XXXX equipment costing approximately {$2400.00}. Mosaic created a home improvement or mortgage for {$17000.00} +. 
I need my full file disclosure from the credit reporting agencies to ascertain HOW they did this behind my back damaging my credit score & causing the clear title on my home to be encumbered. I inherited my home & have worked hard to maintain title free and clear to leave to my XXXX kids and XXXX. At this rate, Ill be dead and unable to leave my home to my kids without Mosaic either lien the property though no solar was ever installed. Im completely exhausted from this awful, horrible, illegal, activity that I am in no way responsible. Please help. 
I have numerous documents including a myriad of emails between the parties which I can upload tomorrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, My identity was used to purchase a XXXX XXXX XXXX cell phone at a XXXX in XXXX michigan.I called XXXX XXXX XXXX fraud department and they confirmed it was fraud and immediately closed the account.This unauthorized account is on my credit reports and I like it removed immediately
Product: Debt collection

Dear CFPB Thank you for hearing me again over the last 8 yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over 6 times in a 5 yr period. 
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed. 
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. XXXX XXXX  because in my city you cant have collections you cant rent. Even someone had got two evictions on my name when I was out of the country. 
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree. 
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the DOJ because I support victims of crime. I cant get Hired with these collections. 
Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over. 
With my line of work with victims of crime I cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane. 
XXXX XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly. 
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe. 
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? XXXX XXXX out here help me get this deleted again. Thank you
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 and CREDIT COLL ( Original Creditor : XXXX XXXX ) XXXX
Product: Checking or savings account

Capital One Bank is withholding my direct deposit since XX/XX/year>. They notified consumers via email XX/XX/year> at XXXX that there is a technical issue. It is XX/XX/year> XXXX with no update of the situation. They wrote issues is to be expected to be resolved Friday XX/XX/year> morning. I have yet received my money that I earned. They need to be investigated and consumers shall be compensated for all the trouble this has caused.
Product: Credit reporting or other personal consumer reports

Jefferson Capital Systems LLC obtained my consumer report under false pretenses without a permissible purpose as required under the Fair Credit Reporting Act. I would like to offer this pre settlement offer in good faith to resolve this issue. See attached pre settlement offer and complaint ( draft ) in which I intend to file in Federal Court if we can not reach settlement within 7 days upon receipt of this notice
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I was notified by Sterling with an email showing me my background report that was shared with perspective employer. I was alarmed to see that they had shared information dating back from a XXXX XXXX that I was discharged from XXXXXXXX for in XXXX. 

When I called and asked them why did they share my complete history when Texas laws protects me from this form of reporting, I was told that the Fair Reporting Act allows them to share my entire credit history. 

On the employer application I did not explain anything more than 7 years ago and this impacts my ability to now give an explanation and makes me appear as though I was hiding this. This may impact there decision negatively in my hiring process and even if I do get the job, I am embarrassed, ashamed, and feeling exposed to negative views of me after having a solid interview and immediate job offer this is not how I want to enter a new company. 

I would like help getting all this figured out. 


Respectfully, XXXX XXXX XXXX
Product: Mortgage

On approximately XXXX XXXX I applied for an FHA Mortgage with XXXX XXXX Itold them everything and sent all my documents to them. I told the loan officer that I was self employed he insisted that I was a W-2 employee. I do receive a w-2 because I am a XXXX  employee Box XXXX  is marked on my w-2 that says that. And what that means is they can deduct social security and XXXX  tax.Well everything was approved and they wait unil the last week that we are suppose to close on the loan and asked for paperwork which I gave them. They were under contract to close XX/XX/2020. I received closing disclosures and signed them. 24 hours before we are to close on the loan they can not get employment verfication well of course not because i am an independent contactor which I told them in the beginning.Long story short i didnt get the house, my real estate lost a sale, and the owner has to relist his house.Also their closing costs are way too high {$12000.00}
Product: Money transfer, virtual currency, or money service

I needed to file a complaint because I have become aware of recent issues regarding Zelle and the CFPB lawsuit. I have used Zelle for years now and have had a couple of issues with the application. Ive been let down at times when I was told my lost funds could not be reimbursed and had issues with linking my information to my account. This system needs to be fixed because customers using Zelle can easily be targeted and be scammed. I believe that the application should be held accountable and should address these issues to their customers. These issues raise red flags about customer safety and need to be Handled immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached the necessary documents to support my claim, This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.