23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not AUTHORIZE XXXX to pull my credit report on XX/XX/2021. I did not attempt to purchase a car from this company. I have attached a copy of my police report as I have filed a complaint about my wallet being stolen and my identity being compromised. I have reached out to several companies that has indicated that XXXX contacted them on my behalf to get credit in which I did not authorized. 

XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Ed/XXXX XXXX All of the loans they have on my credit report I believe belong to someone else. 

Please provide ORIGINAL documentation or remove them from my credit report immediately. I have no recollection of these loans and also how is a loan on-time in payments then all of a sudden 120 days late. Impossible, proper notice should have been given before notifying an individual of something being 120 days late. 

This is ridiculous, please assist. 

Thank you.
Product: Debt collection

When we divorced in XXXX, my ex-husband agreed to be responsible for his business debt. In XXXX, XXXX XXXX XXXX XXXX tried to pressure me to pay it, I replied right away and then they filed a suit against me in court without proper notification. They wrote me late XXXX XXXX, I called right away and then wrote in the first half of XXXX XXXX and the next thing I knew was that they had filed in court, no notice. It was very upsetting. 

I just read how Atty General XXXX successfully sued companies in XXXX back in XXXX for not providing due process and directly filing suit. Not only is my ex-husband over $ 72K in child support arrearage for our XXXX children, I have been making monthly payments to Stephen Einstein so they wo n't hurt my career. This Civil suit judgment is adversely impacting my career as a Registered Representative - I 'm the only one providing for my kids. I spent over {$2800.00} for a lawyer trying to avoid this hurting my career. I do n't want my ex-husband 's debt on my XXXX XXXX file - I need this cleared up. XXXX also got the judgments vacated, the payments made returned for XXXX since they were n't properly served. Can you help do the same for a working XXXX resident like me?
Product: Checking or savings account

This is not a duplicate. 

On XX/XX/2019 I tried to open an account with TD Bank due to their advertising a {$300.00} promotion for new customers. I had never before had a bank account with TD Bank. I was unable to complete the account opening due to problems with TD Bank 's web site. On XX/XX/XXXX I again tried to open an account with TD Bank and was successful. 

When I logged in to the account, it showed that my first attempt to open an account had in fact worked, although there was no way for me to know that. As there were now two open accounts, I asked TD Bank to close one of the accounts, and complied with the requirements to receive the bonus. 

TD refuses to pay me my {$300.00} bonus because they say that I was not a " new '' customer when I opened the XX/XX/XXXX account, due to the XX/XX/XXXX account being ( unknown to me ) open. 

I opened the account specifically in response to their ad for the bonus, and complied with the spirit of the requirements to receive the bonus. It is ridiculous for TD to claim that I was not a " new '' customer because of the XX/XX/XXXX account of which I was unaware and which was never funded and had no transactions.
Product: Student loan

I submitted my application for the Public Service Loan Forgiveness Temporary Waiver in XX/XX/XXXX. I obtained certification from both my employers for continuous PSLF and TEPSLF qualifying employment since XX/XX/XXXX. Under the waiver, I believe I now qualify for forgiveness. The first servicer XXXX acknowledged my application and notified me of missing information, which I supplied to them in XX/XX/XXXX, and never received any further information about processing of my loan. In XX/XX/XXXX, once the transition of the PSLF/TEPSLF servicing was transferred to MOHELA, I called to inquire about the status of my application and was told to wait until they reviewed my information. On XX/XX/XXXX, I checked the payment tracker and noticed that loan payments made between XX/XX/XXXX and XX/XX/XXXX were not reviewed or accounted for, and that some payments were listed as " no payment was due. '' When I called to inquire about this, I was advised that the employment certification forms sent to MOHELA from XXXX were truncated and difficult to read and I was advised to resubmit my employment certification forms. New employment certification forms from both of my previous employers were uploaded to the portal on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I received multiple notices in the mail stating that my application for PSLF had been denied, and these forms indicated that my qualified employment dates had not been documented correctly. MOHELA had only documented as certified employment from XX/XX/XXXX- XX/XX/XXXX, when I have submitted certification documents from public service employers ( a city government and an academic XXXXXXXX XXXX XXXXXXXX ) continuously since XX/XX/XXXX. I called again on XX/XX/XXXX and was advised that there probably had been a systematic computer error when reviewing my application and a reprocessing request had been executed. At that time, I was advised to wait until XX/XX/XXXX to see if changes were made to my payment trackers indicating the application had been reprocessed, and if not, to call and request my application be referred to the escalation team. On XX/XX/XXXX, I checked my account and called to request my application be referred to the escalation team. At that time, I was told that I could not make that request and that I yet again had to wait until the application was processed. At that time, I requested to speak with a supervisor and have been on hold for over two hours. It is extremely frustrating and unacceptable that MOHELA continues to make errors when reviewing my application AND when I call to rectify the situation am repeatedly told my only recourse is to continue to wait.
Product: Mortgage

XXXX is reporting a HELOC incorrectly and outside of the 7-year statute of limitations from the XX/XX/2009 letter they sent me which is attached.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yellow XXXX highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is reporting an account with XXXX XXXX on my credit report and I have never transacted any business with XXXX XXXX. This account was previously blocked from my credit report by TRANSUNION due to identity theft about the dates of XXXX XXXX XXXX.
Product: Debt collection

On several occasions EAS LLC has attempted to reach a XXXX XXXX at my number. I have had this phone number since XXXX 2016, I have been called multiple times since then. I have told them on several occasions to stop calling me. I have been promised multiple times that my number would be deleted. It has n't been. 

I have reached out by phone and spoken with a supervisor. I have sent an email by way of the company 's website. 

When they called today and I told them I was filing a complaint with the FTC, I was told that it would be a waste of time because they " ca n't touch us. ''
Product: Vehicle loan or lease

I purchased a vehicle from a local dealership on XX/XX/2020 Vehicle was priced for XXXX with a warranty of XXXX attached making total of XXXX putting down a payment of XXXX cash ( with not bad credit at all ) a lender by the name of XXXX XXXX picked up the loan @ a interest rate of 22.9 % left me owing XXXX or XXXX for total after vehicle is paid in full. Total still due on vehicle is XXXX. As a consumer I am looking into this interest rate I feel it was very unfair Ive seen where this lender has been investigated in the State of XXXX wondering if anything in Illinois is in question on this lender thanking you in advance
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX Account Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX account ( Account # XXXX ). Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my concerns remain unresolved. This ongoing inaccuracy is a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Inaccuracy : High Balance : {$220.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Late 60 Days Creditor Remarks : Canceled by credit grantor Evidence of Discrepancy : The reported late payments for XXXX and XX/XX/XXXX are inconsistent with my payment history. Records from other bureaus and my own financial documentation confirm that these payments were made on time or do not align with the reported delinquency. 
Legal Violations : FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information in consumer files.

Additionally, creditors must provide periodic statements at least 21 days before payment is due, as per 15 U.S. Code 1666b.

TILA Violations : The inaccurate reporting of late payments undermines the Truth in Lending Acts mandate for accurate disclosures. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 
If this issue is not resolved promptly, I will escalate my complaint to relevant regulatory agencies, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse if necessary. 
Thank you for addressing this matter urgently. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On the XX/XX/22 there was an automatic payment placed on my savings account for the amount of {$270.00}. This is to cover or pay my credit card account with Wellsfargo. Later the payment was reversed to my credit card account stating that there were not enough funds on my savings account to cover the amount owened, the reversal took place on the XX/XX/22. However, on XX/XX/22 l made a payment of {$270.00} to my Wellsfargo credit account from my regular account to cover the reversed amount. It reflected on the account for a few days, that a payment was made to my credit card account, but on XX/XX/22 the amount of {$270.00} was back on my credit card account and the amount {$270.00} did not count toward paying the amount owned to the credit card account.
Product: Credit card or prepaid card

I've seen no changes for the accounts that I have filed last month, I still see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Debt collection

This is a group in XXXX that calls several times a day about the amaozon card. they do this even before the payment is due. they want you to wire the money or postdate a check to them over the phone(NO WAY)  they say they represent Synchrony Bank. I called the bank and they stated they were having trouble with that group and guaranteed me that i would not recieve anymore calls from this group in XXXX well this was good for a bout two weeks and then this morning they called again
Product: Student loan

I have sent Sallie Mae a dispute every month from XX/XX/XXXX to XX/XX/XXXX and the Debt that I allegedly Owe has yet to be verified and is still being incorrectly reported. When I called to try and resolve this allegedly debt I was informed that they no longer own the debt and it has been sold. Sallie Mae has been reporting this debt late every month since it has been in a Charged off status. This account has also been accruing interest since being in a charged off status and the balance is constantly increasing. Please remove this account from all three credit bureaus as this information is incorrect and illegal and Sallie Mae has not followed the law.
Product: Payday loan, title loan, personal loan, or advance loan

I received a XXXX loan from this company. To date, I have paid them XXXX on this loan and they still want another XXXX in payments to pay it off. How is this legal, regardless of whether or not they are a tribal lender? I am requesting that my account be closed and settled for what has been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft. 
I had request to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report. after number of request by me not one of the 3 credit bureau had block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,
Product: Credit reporting or other personal consumer reports

The following is for Creditor - Discover  Account # ending XXXX in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I closed a Wells Fargo credit card. 
I found out recently when i went to refi that Wells Fargo did a write off for XXXX that caused my credit score to drop 100 points. I've always had an excellent credit rating. I didn't even know there was an outstanding balance. 

I contacted Wells Fargo saying i don't know what this transaction is they wrote off. they investigated it as fraud and determined it was not fraud and closed the investigation. they indicated that on the card i closed, i did a XXXX cash withdraw from the card and put that into my checking account. That transaction had a XXXX fee and then interest. I failed to pay the balance over a course of several months and they wrote off the balance. They said they sent me hard copies of the statements. I do not pay attention to my postal mail. I have all of my Wells Fargo accounts set to electronic delivery. I never got anything electronically. In addition, the account did not display along with my other Wells Fargo accounts. If it did, I would have seen the open balance. I have over XXXX in my Wells Fargo accounts. Why would I have ignored a XXXX balance. Plus, if Wells Fargo actually looked my my transaction history, I do not do cash withdraws from credit cards. Any why would i do a XXXX that has a {$10.00} transaction fee. I then went to Wells Fargo branch and they escalated to another group. That group reviewed my situation and said they would remove the late fees and the XXXX transaction fee. I went up to Wells Fargo and paid the {$27.00} balance immediately only to find out that they would not change the credit entry. The rep at the branch will send me some documentation. He says he can see a sequence of events on the card. I cleared my rewards points totaling almost {$100.00}. then the {$27.00} transaction then the closure of the account. All on the same day. If i did this {$27.00} transaction, I did it by mistake. I probably grabbed the wrong account to do an online payment. they are penalizing me severely for something that truly is a mistake on my side or theirs. I do not recall getting any hard copies of the statements. The account did not appear on my online banking. I'd like to find a way to reverse the credit rating so i can pursue refinancing as i planned. Refi can save me {$150.00} a month at my good credit score. the banker i work with was just as surprised as he worked with me 6 months ago and new what my credit was high scoring. any help is greatly appreciated. 

I've attached some documents the agent at Wells sent me. I absolutely do not recall the past due letter.
Product: Debt collection

NPAS Inc. called me at XXXX XXXX to attempt to collect a debt on behalf of a hospital that was improperly billed as out of network and is actively involved in an insurance dispute. While I don't expect NPAS to be up to speed on an insurance dispute, I do expect them to not violate the Fair Debt Collections Practices Act and not call before XXXX XXXX. when they are not allowed to call you prior to XXXX XXXX. or after XXXX XXXX. unless you agree to it.
Product: Consumer Loan

I 've repeatedly asked to have a letter sent showing the debt and the resolution me disputing the item. I have gotten neither. Per the prom note I signed I paid the debt before it went to collections. I have never got a response to my is puts leading me to believe they have never placed one and have not asked for the prom notes and checks I paid them with. One top of the they are rude and refuse to give u a Mgr when u ask for one, but will xfer somewhere where the phone keeps ringing.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam , Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ), I am disputing the following collection account that appears on my credit report : Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$180.00} Date of Account : XX/XX/XXXX I do not recognize this account and believe it was placed on my credit report without proper authorization. Therefore, I request an immediate investigation and removal of this account from my credit report as required by law.

Legal Reference : Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and supported by precedents such as XXXX XXXX XXXX XXXX XXXX ( XXXX ), I request a thorough investigation and removal of the unauthorized collection account from my credit report. This jurisprudence highlights the obligation of creditors to conduct reasonable and accurate investigations when a dispute is raised, and failure to do so can be considered a violation of the FCRA.

Additionally, under Section 623 ( 15 U.S.C. 1681s-2 ) of the FCRA, creditors and collection agencies are obligated to report accurate information. If the disputed account has been reported inaccurately, this must be corrected immediately, and a full investigation should be conducted as required by law.

Furthermore, under Section 807 ( 15 U.S.C. 1692e ) of the FDCPA, debt collectors are prohibited from using any false or misleading representations when attempting to collect a debt. I believe the disputed account has been presented in a misleading or incorrect manner on my credit report.

I would appreciate it if all collection efforts were suspended until proper validation has been provided. This will ensure that any further action complies with the law and is based on accurate and validated information.

I expect to receive the requested information within 30 days of your receipt of this letter in accordance with my rights under the FCRA and FDCPA. Thank you in advance for your cooperation and prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX