23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I keep a close eye on my credit report for which it contains value to me and my credit worthiness . Allied Interstate submitte d a collection account to my credit report recently in the amount of {$310.00}. This is an illegal collection and also, I was not contaced at all or notified of such debt. I did not sign any contract with this company. Also, it seems as though the original creditor i s   XXXX   XXXX  . I ow e nothing to anyone. The company tha t Allied bought m y information from is inaccurate.  XXXX   XXXX  had a roof leak which caused water damage to my unit. I had to move my things out before my apartment was ready and also go through all my items to see what other damage was done. I also filed a claim with the insurance and received reimbursement from the. So, there is no way I am liable for anything. This is inaccurate at I owe no such debt.   XXXX   XXXX   better be glad a lawsuit was not filed against them for the damage and the  manager knew  it was damage to the roof leak before I moved in and failed to report it. Also the mold that spreaded throughout my unit is a type of mold my daughter is very asthmatic too. Which I also informed the  manager. I will be  soeaking to an attorney to pursue this matter if this is not removed Immediately.
Product: Checking or savings account

I have had multiple transactions on my debit card since I have been in the hospital that I didn't authorize. I called Upgrade bank who my debit card is through and they didn't help me. They told me to call XXXX, but XXXX tells me to call them. I have lost {$3500.00} due to unauthorized charges and Upgrade bank refuses to help. The next step would be for me to contact a lawyer..
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my XXXX for XXXX XXXX XXXX was paid off and XXXX was released leaving me the single owner of the vehicle. Due to a name change XXXX XXXX XXXX attempted to file an application for new title on XX/XX/XXXX this was canceled by the XXXX immediately following notice being I had no knowledge of this. On XX/XX/XXXX I went to the XXXX in Wa state with a copy of the letter showing my XXXX released and paid in full date of XX/XX/XXXX and a title was issued to me as legal owner and XXXX removed. This was verified with headquarters and a certificate of fact was also added to the files on XX/XX/XXXX I sold the car to XXXX in XXXX releasing interest and removing my name entitley. Several days later on XX/XX/XXXX XXXX  claims they repossessed the car filled out an application for title placing my name back on the registration as registered owner and them as legal owner and are now saying I owe XXXX $ which reflects on my credit with Grimm collections. I have provided Grimm collections all proper documentation and they refuse to remove this from my report. The application submitted by twinstar was dated after I sold the car and does not have my signature on it and is invalid. I do not owe for the car as it was paid and the lien holder removed. I provided all documentation of this and am being denied my right to have it reflect correct on my credit. XXXX then sold the car for XXXX but still tells Grimm collections I owe XXXX plus attorney fees and I have a letter also from XXXX stating I would only have to pay the balance from the sale and the loan. Which is half of XXXX but either way I had already sold the car. It was mine and paid in full.
Product: Checking or savings account

I was a victim of theft. I filed police reports and contacted chime. I sent paperwork showing that I filed charges and even paperwork showing I was in a rehabilitation center and couldn't have possibly used the funds. I even sent letters to cancel my account which was ignored during my rehabilitation stay. I asked what we could do to get my money back. Chime continued to deny and close my case. 
I wasn't given explanation or what I could or should do.
Product: Debt collection

MY NAME IS XXXX XXXX, THIS COMPLAINT IS ATTACHED TO XXXX # XXXX FILED XXXX/XXXX/XXXX 'ALSO SEE DOWNLOADED ATTACHED INCOMPLETE AUDIT FROM XXXX SAME VERSION AS XXXX ''. XXXX XXXX XXXX is XXXX the XXXX, XXXX when my payment is due. Since XXXX I 've been paying, inquired about answer why digital coupon for TEA KETTLE ( prior letter said coffee pot INCORRECT ) and a host of other things. 

XXXX XXXX 's Expeditiously responded to CFPB Negating and Contradicting my complaint. 

Hence, this is about the Profound Biases Devaluation and Treatment I continuously receive from Executives, Managers and Supervisors. 

Stance taken Principal, Lack of Respect, Violating my Rights, Profound Biasness Since XXXX all Supervisor 's and Rep 's made aware never corrected, answered, settled or simply called me back since XXXX according to FTC, FCC, FEDERAL CFPB including other statues and Law 's which protects Consumers. 

It just happen someone suggested to keep track calling in receipts. No harm. Proven Discrepancies has come up again. All I want IS THERE WRONG MADE RIGHT-I AM AN HONEST CONSUMER-I WANT TO PAY FOR WHAT IS MINE FROM, SALE, MD XXXX DR XXXX COUPON, REWARD ETC. I EARNED IT APPLY IT. 

I READ AND GO OVER EVERYTHING. IT 'S MY RIGHT TO BE THOROUGH-SO SHOULD THEY-IT 'S THERE JOB. IT 'S NOT THERE JOB TO DENY, ATTACK-DISPARAGE OR INCRIMINATE ME WHEN I HAVE MY RECEIPTS. 

XXXX IS FLAT OUT WRONG. WAITING UNTIL TODAY FOR ME TO NOT PAY. I 'M LIVID THEY DID THIS BEFORE. I WILL ALSO FORWARD THE LETTER WERE THEY HAD TO CREDIT ME FOR THE LATE FEE 'S AND MERCHANDISE FRAUDULENTLY AON MY ACCOUNT IN XXXX I WOULD 'VE HAD TO PAY FOR UNLESS I FOUND THOSE RECEIPTS THEREFORE, ANY RESPONSE XXXX 'S MAKE 'S TO CFPB RE : WRONG DOING ON MY BEHALF GIVE SPECIFIC 'S WHAT GIVE 'S THIS COMPANY THE RIGHT TO TELL ME I CAN NOT TALK, QUESTION, GET AN ANSWER, IN TIMELY MATTER, REGARDING MONEY I SPEND!!!! 

I TOLERATED TO MUCH NEGLECT I 'D SAY NOT CONTACTING CFPB LAST YEAR. APPALLED OCCURRENCE HAS TAKEN PLACE AGAIN WITH SAME INTENTIONS. 

Due to there mistakes it 's Audaciously written I 'm a problem BANNED FROM CONTACTING VIA PHONE? SLANDERED, CHARACTER ASSASSINATED, IGNORED, GIVEN HARD TIME CALLS DECLINED. 

There 's no Federal or Civil Law in place which states an Entity can Ignore going over or making corrections to a Consumer Accounts and/or Threaten me with LATE FEE 'S IF I MISS PAYMENT!! 

Also, l will forward letter sent to me stating. ( " We will no longer have contact by phone just email '' ). I never dignified response to with an answer. It was forwarded. 

My name has been Slandered, Negative comments are written via my account at times mentioned, very Hurtful and Embarrassing. Over an issue I Honestly did not create only wanted a Fair Resolution.
It 's Judging and Bias for any Reprensentative to bring up or manipulate a conversation regarding resolved  dispute clearly states no fault on consumer behalf.
Product: Credit reporting or other personal consumer reports

XXXX gave me XXXX XXXX  cash bonus for my XXXX spend. I spent that money, after 8 months, I visited my country, I've asked if they charge foreign fee, and they said " yes. ". Then I closed my account. They did not say or informed me to return this XXXX $ ; if I close the account less than a year. I said I used this card, and I spent more than XXXX XXXX and I was not informed, or I signed any document. 

In this case I told them to refund an amount of XXXX $ ( XXXX of XXXX $ ), and they refused. 
Afterwards they sent me {$1.00} check, with an apology letter. 

But today I noticed that I owe more than {$300.00} ( with interests ). 
I did not get any credit from XXXX ; only cash bonus. But they charge an interest every month.And they informed this to credit offices. 

How can I cancel this misinformation from 3 credit offices?
Product: Consumer Loan

Ally Financial, keeps calling more than 3 times a day everyday trying to collect payment. They have a 10 day grace period for the payment to be submitted and within 3- 5 days they are already calling and sending letters to both myself and co-signer. These calls and letters are very stressing and distracting. Even if I contact them and try to work the issue out with them I am still getting harassing phone calls throughout the whole day. The letters state that they are going to mark my account as delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, I recently reviewed my credit report due to the nature not being able to obtain credit so that I am able to be a guarantor for my business credit, Unfortunately I have not been able to due to the nature of some unauthorized accounts on my consumer report and under 15 USC 1681 ( a ) ( 3 ) These Credit Reporting Agencies have assumed this role without my permission not only they didn't have my consent, they also did not respect my privacy and under 15 USC 1681 ( a ) ( 4 ) my rights have been violated. The Credit Reporting Act has allowed these debt collectors to be placed on my consumer file as well as a list of inquiries I did not authorize. 
The Debt Collection agencies are as follows XXXX  Act. # XXXX XXXX XXXXXXXX Act. # XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXXXXXX Bank Account : XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX  Account : XXXX Inquiries Made XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Experian XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

**Consumer Financial Protection Bureau Complaint** **Complaint Against : ** - **Company : ** TransUnion LLC - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX - XXXX : XXXX XXXX - **Website : XXXX  XXXX.transunionXXXX XXXXomplaint Summary : ** I am submitting this complaint against TransUnion LLC regarding multiple unauthorized reinsertions of inquiries on my credit report, which violates the Fair Credit Reporting Act ( FCRA ), specifically under **15 U.S.C. 1681i ( a ) ( 5 ) ( B ) **. Additionally, these inquiries were not made for **permissible purposes** as defined under **15 U.S.C. 1681b** of the FCRA .

**Details of the Complaint : ** 1. **Reinsertion of Previously Removed Inquiries** : I successfully disputed a series of unauthorized inquiries on my credit report, and TransUnion removed them. However, these inquiries were later reinserted into my credit report **without providing me with written notice within five business days**, as required by **15 U.S.C. 1681i ( a ) ( 5 ) ( B ) **.

2. **No Verification of Inquiries** : TransUnion failed to provide proof that these inquiries were verified with the creditor before reinserting them. The FCRA requires the credit reporting agency to confirm the accuracy of any reinserted information. I have not received any such documentation.

3. **Permissible Purpose Violations ( 15 U.S.C. 1681b ) ** : The inquiries that were reinserted do not meet the criteria for **permissible purposes** under **15 U.S.C. 1681b**. These inquiries were not authorized by me, nor were they conducted for legitimate reasons such as reviewing my application for credit, insurance, or employment.

4. **Negative Impact on My Credit Score** : The unauthorized inquiries and their improper reinsertion have negatively impacted my credit score, and I believe this constitutes an unfair and deceptive practice in violation of the FCRA.

**Desired Resolution : ** I request that the CFPB : - Investigate TransUnion 's actions regarding the improper reinsertion of inquiries without proper notification or verification. 
- Require TransUnion to remove all unauthorized inquiries from my credit report immediately. 
- Provide me with proof that these inquiries were verified with the original creditors before being reinserted, including evidence of permissible purpose. 
- Impose any necessary penalties on TransUnion for violating FCRA reinsertion laws and permissible purpose requirements. 

I also request that TransUnion takes corrective action to ensure compliance with the FCRA in handling consumer disputes and reinsertions going forward. 

**Documentation : ** - Attached is my correspondence with TransUnion XXXX including dispute letters, removal confirmations, and credit report details showing the reinserted inquiries.
Product: Vehicle loan or lease

This account was settled cause of car accident and it was paid off by Insurance company of the person who totaled my car.
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 XX/XX/year> Days late 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: Checking or savings account

Apparently someone opened a new checking account fraudulently using my name and social security number. the bank will not provide me with any information and will not close the account unless I complete a fraud package. 

I have a credit freeze with all three major credit bureaus and this bank should not have opened an account and now they are refusing to close it unless I complete their paperwork. 

They also will not disclose any information regarding the account to me and I have no way of knowing if I have been harmed in any way from this fraud. 

The name of the bank is Suncoast Credit Union.
Product: Credit reporting, credit repair services, or other personal consumer reports

l have wrote ( 3 times ) XXXX, XXXX, and Experian about a bankruptcy that on 3 of my reports ( US Bankruptcy Court Docket # XXXX XXXX. I sent them a letter on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( I have the receipts to prove it ). They said they got their information from the courts or XXXX. I wrote the courts and they said they don't deal with the credit bureaus. And my XXXX report has a freeze on it, so they couldn't have done a reinvestigation. I sent them in the letters I received from the courts and XXXX and they still said it was verified. I requested to see any court documents bearing my signuture and, I have seen nothing. This has been almost 90 days. I sent them facts ( proof ) that they were not being 100 % truthful about their reinvestigation. And they could not show me any paperwork from the court making me liable for this information they were reporting about me. It's the courts job to report a bankruptcy, not the a third party vendor like XXXX. Which is a voilation of the FCRA. Plus, XXXX is verifing me by my last 4 Social Security # s. They can not do that either.
Product: Student loan

I am seeking student loan forgiveness through the PSLF program. My account has been under review with XXXX for the better part of a year due to my account somehow being arbitrarily placed in paid ahead status. They are not giving me credit for approximately 2 years worth of payments, despite the fact that I have never paid more or less than the amount due, and have never been late, and have always made payments without fail since XX/XX/2010, except for periods of forbearance. 

I have two loans serviced by XXXX. On one loan they have it listed as 47 qualifying payments, and another as 59 qualifying payments. I pay one amount every single month, which pays both loans. 

I have called countless times, always receive the same responses : that my account is under review, and they should be finished with it soon. They always tell me that there is no reason any of my payments should have been denied, but every month my statement shows the same number of payments, despite submitting new employment certifications, which is when they claim to update the number of payments. 

I have copies of banking records verifying every payment made over the last eight years, but I dont think I should attach them here, but I could provide them if requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX Name : XXXX, XXXX, XXXX EMPLOYER : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXXE, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Collections XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX EMPLOYER : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

Comenity Capital Bank/XXXX  XXXX Company closed my account XX/XX/2021 without my consent.
Product: Student loan

In XX/XX/2023, Mohela informed me in writing that my student loans were forgiven under the PSLF program based on documentation I provided in XX/XX/2023. The letter was unequivocal in stating my loans were forgiven, my balance was XXXX, and no further payments were needed. A number of weeks after that my balance at the Dept. of Education became XXXX. At no point since XXXX have I been able to make payments on my loans. 

On XX/XX/2023, more than six months after receiving notification of the loan forgiveness, I received a form letter from Mohela stating they reviewed my recent paperwork and determined I am XXXX payments short of forgiveness. ( Mind you, the last paperwork I submitted to them was in XX/XX/2023, which gave rise to the XX/XX/2023 loan forgiveness. ) The form letter makes no mention of any errors. It ignores that the last XXXX months ever happened. In the meantime, based on Mohela 's representation that my loans were forgiven and the Dept. of Education 's XXXX balance, I recently changed jobs and am no longer employed by a qualifying-employer. 

When calling Mohela, they simply say a mistake was made. My payments do not qualify for PSLF. It appears interest has accrued while my balance was XXXX and payments could not be made. When I asked for assistance challenging their determination, customer support staff and supervisors claim there is no such mechanism exists. I was given a phone number that a supervisor represented was a Mohela number that turned out to be the Dept. of Education Ombudsman.
Product: Credit reporting

I sent a letter to Equifax on XXXX XXXX, 2016 requesting to remove XXXX hard inquiries from my credit report. These were unauthorized and fraudulent credit inquiries under my credit report. 
On XXXX I received email with credit file : XXXX XXXX, 2016, Confirmation number : XXXX. There was the same exact responses for all the hard inquiries : Inquiries are a factual record of file access. I did n't get any proof of my signed authorization for these inquiries. I am requesting Equifax to remove these from my credit report immediately.
Product: Mortgage

I purchased an FHA loan through Caliber Home Loans which comes with Mortgage Insurance ( PMI ). With PMI I know you are able to get rid of it after you pay down a certain amount. Typically when 20 % of the original principal is paid off or when 80 % principal remains. I called XXXX to find out how I can remove my PMI and they repeatedly told me that the PMI can not be removed and is for the life of the loan. I spoke first with XXXX who stated that they call it MIP but it is the same thing. I was then transferred to his supervisor XXXX ( employee # XXXX ) who stated the same thing. My PMI can not be removed and is for the life of the loan. I asked her to send me a document from their company stating that the PMI can not be removed and she would not, informing me that nobody in the company can email or mail documents to a client. She then asked her area vice president XXXX and he apparently confirmed that again, XXXX will not remove PMI regardless of how much of the loan is paid off and that it will remain for the life of the loan.
Product: Credit card

I noticed on my credit statements there are 4 different interest coming out of my payments. 1, Standard Purchase ( I understand ), 2 Purchase prior to XX/XX/XXXX, 3. Purchase prior to XX/XX/XXXX, 4. Purchase prior to XX/XX/XXXX ( 2 of these each with an amount ), 5. Purchase prior to XX/XX/XXXX. Some of the APR 's are 17.49 %, 2 are 12.49 % which I was told was grandfathered in. I made an XXXX sheet going back to to the statement of XX/XX/XXXX to XX/XX/XXXX. On the interest that goes back to # 's 4 & 5, it show the interest going down after each payment, then the next payment the interest due increases. This makes no sense to me. On my last statement the interest for example # 3 was {$1.00}, but when I got my statement this week it was {$1.00}. I understand it isn't much but doesn't make sense to me. I called Citi Bank 3 times, and could not get an answer that made any sense to me. I aske to speak to a supervisor, a person got on the phone, but still did not answer my question. I asked to speak to someone that is over her. She asked me if it was her accent why I couldn't understand her. I told her no. She had nothing more to say. I told her I would get an answer some other way. My question is why are there 2 different Interest amounts that I am being charged for XX/XX/XXXX, is the interest prior to XX/XX/XXXX just from XX/XX/XXXX XXXX? Thank you for your attention in this matter.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$720.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance {$0.00}