23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX formerly known as XXXX XXXX. There are a number of collection unvalidated accounts from Peter Roberts and Associate 's that I have no knowledge of. These unvalidated accounts are hurting my life financially. I need this items removed immediately because there has been no proper validation pursuant 15 U.S.C 1692g. These accounts are a violation my consumer rights and need to be deleted immediately from my consumer credit reports. These accounts are also violating 15 U.S.C 1692e False or misleading representation. Please remove these accounts ASAP or I will gladly pursue litigation and exercise my rights pursuant to Title 15 Sec 41 under the Consumer protection act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting the following fraudulent information on my credit report. 

1. XXXX XXXX {$500.00}. 

This is not my account and is fraud.
Product: Money transfer, virtual currency, or money service

Money was taken out of my account with no authorization.
Product: Credit card or prepaid card

I was making a purchase at Wal Mart through my Wal Mart App using my Wal Mart credit card with Capital One. It declined my purchase through the App. I then pulled out the physical card and that also declined. I then used my XXXX card to make the purchase and it was a successful purchase. A day later I looked at my Capital one credit card online and sure enough the purchase that was declined at Wal Mart is on my account as a purchase. I called Capital one to have it removed, they wanted proof of the decline and purchase they said I would receive a letter in the mail which I did NOT it came in my Capital one App. The letter stated I would receive a self addressed envelope to mail a copy of my receipt to prove my purchase was made by my XXXX card. Never received that either so I mailed to the address on the letter that was in my account messages. The money was refunded. 2 weeks later the purchase appeared back on my account again. I called AGAIN told them the letter was sent they said they had received it and it was under review. They refunded it AGAIN. Several weeks later the amount appeared AGAIN. I called spoke to a supervisor at Capital One they AGAIN wanted proof. She sent me a secure link to my email address for me to submit my original receipt showing the decline and the approval by XXXX and also a copy of my XXXX  statement. Capital one said the amount would be under review and refunded. Well a day later they charged my card AGAIN for the same amount TWICE. This company is very irresponsible and I want to file a complaint against them. I have spent so much of my valuable time trying to correct their mistake.
Product: Debt collection

RMB is reporting a debt in the amount of XXXX on my credit reports. I did not authorize this account nor do I accept responsibility for this debt because it is a result of identity theft. I have disputed this debt with the credit bureaus and have sent the police report but they still continue to report this account which is very damaging to my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Theres an inquiry on my account that I do not know about, please remove this inquiry from my account
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding TransUnions failure to respond to my request for verification letter on two accounts that I do not recognize sent on XX/XX/year>, and my subsequent demand-to-comply letter, sent on XX/XX/year>. Both letters were sent via certified mail and I have confirmed they were received by TransUnion. The initial dispute letter requested verification of certain accounts listed on my credit report. As mandated under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to investigate and respond within 30 days of receiving a dispute. Despite providing sufficient time and a second letter reminding XXXX of their obligations, I have not received any results or acknowledgment of my requests. This lack of response has caused unnecessary stress and inconvenience, as I am unable to obtain accurate information regarding my credit report. XXXX inaction constitutes non-compliance with FCRA regulations, and I am seeking your assistance in ensuring they fulfill their legal obligations. TransUnion 's failure to act on my dispute violates the Fair Credit Reporting Act ( FCRA ), specifically the following provisions : Failure to Investigate ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) : Under the FCRA, credit reporting agencies ( CRAs ) like TransUnion must investigate disputes regarding the accuracy of information on a consumer 's credit report. They are required to complete this investigation within 30 days ( 45 days if additional information is provided by the consumer ) of receiving the dispute. Failure to Notify Data Furnishers ( 15 U.S.C. 1681i ( a ) ( 2 ) ) : CRAs must notify the furnisher of the disputed information within 5 business days of receiving a dispute from a consumer. Failure to Provide Results of the Investigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : After completing the investigation, the CRA must notify the consumer of the results within 5 business days and provide a revised credit report if the information is found to be inaccurate. By not responding to your dispute within the legally mandated timeframe, TransUnion is in violation of these provisions. Their non-compliance deprives me of my rights under the FCRA to ensure the accuracy and completeness of your credit report. This inaction can also expose them to liability under 15 U.S.C. 1681n ( willful noncompliance ) or 15 U.S.C. 1681o ( negligent noncompliance ), which could result in statutory damages, actual damages, and reimbursement of legal costs, should I choose to pursue further action. I am demanding that they : Remove the following accounts in accordance with law immediately. Address their failure to meet the FCRA deadlines and take corrective measures to prevent future non-compliance. Please find attached copies of my dispute letter, and the demand-to-comply letter. I have also filed FTC Identity Theft Affidavits that include these two accounts. I appreciate your attention to this matter and look forward to your assistance in resolving this issue. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payment on these accounts because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because this is obviously a billing error, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due. The disputed accounts are listed below. 

XXXX XXXX Account # : XXXX Balance Owed : {$240.00} Date Opened : XX/XX/2021 XXXX XXXX Account # : XXXX Balance Owed : {$23000.00} Date Opened : XX/XX/2021
Product: Student loan

I called MOHELA at approximately XXXX XXXX  on XX/XX/XXXX. The automated system prompted me to input my SSN and last four digits of my phone number, which, despite having an account, it did not recognize. I was placed on hold for approximately XXXX hour and XXXX minutes before being connected with XXXX at approx. XXXX XXXX. I find the length of the hold as well as the fact there were no time estimates on how long the hold would be to be unacceptable. I was about to hang up a few minutes later and likely would have if I didn't connect to XXXX when I did, which would have wasted a significant amount of my time. I asked XXXX questions about three different topics, two of which did not make complete sense to me. First, I have noticed that payments from my recent PSLF application used for employment certification were listed as " XXXX - XXXX XXXX. '' I asked about this because I have been making payments since XX/XX/XXXX and wanted to make sure this was not a reference to the previous XXXX emergency special waiver. XXXX told me it is due to the XXXX waiver and the information is correct. This is strange to me and I would like additional clarification. Second, I followed up with XXXX about the date of my required IDR renewal, which was the topic of a prior CFPB complaint ( CFPB complaint XXXX, which is also attached for reference ). In that complaint, I noted that the MOHELA web portal and a physically mailed letter from MOHELA both have different deadlines for XXXX certification. As a result of the differing information, I asked XXXX about this. She gave me a third date for IDR re-certification, a soft deadline of XX/XX/XXXX. I find this extremely concerning because 1 ) this date is earlier than the renewal dates on both the portal and the prior letter, 2 ) XXXX stated that this is a " soft '' deadline to allow me to meet the real deadline ( which she was unable to provide ) but which was based on a processing timeline of 80 days, and 3 ) these dates keep moving forward over time, for which I believe there is no reasonable explanation. I am concerned because if either of the other two deadlines are my hard deadline, then based on an 80 day processing window, submitting my IDR renewal on or near this new soft deadline would cause me to miss the recertification deadline. I would like accurate information on when I am required to recertify my XXXX payments so that I can remain at a reduced SAVE payment rate. I do not want to risk missing a deadline, but with MOHELA staff unable to provide clear information, I am not sure when to actually recertify my XXXX. XXXX also helped on a third topic, which was me asking for an in-school deferment waiver form. She told me it would take a few days to receive one - we will see if that happens and I will file a new complaint if I do not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX erroneously reported late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Over the course of two months, I have been contacting XXXXXXXX XXXX to update my credit report to reflect accurately regarding those payments. I received written letters stating that all three bureaus were updated with correct payment information in XX/XX/XXXX. I continue to file multiple disputes because those incorrectly reported late payments are still there ; every dispute winds up being closed with the determination that " data furnished by provided is correct '' when the data is not correct. Additionally, my family suffered financial hardship and were impacted by Covid-19. We were late on payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We had contacted our lender and were assured we would not be reported late nor would we be charged late fees. Well, they did not charge us late fees but they continued to report us late to the credit bureaus despite the fact that we suffered a delay in income because of Covid ( I had just had our XXXX child and my XXXX  pay was delayed because of the overwhelming influx of new applicants to the unemployment/XXXX system ). Please assist to the best of your ability as these remarks are causing significant damage to our credit score.
Product: Mortgage

I received a notice/letter dated XX/XX/2021 of a missed monthly mortgage payment for the month of XX/XX/2021 from PHH Mortgage Services XXXX However, I have my account on autopay from my checking account which showed a payment made on XX/XX/2021 of {$140.00} in my bank statement. My XXXX monthly mortgage statement says the payment this payment was not applied by PHH until XX/XX/XXXX even though the bank transfer was made on XX/XX/2021. However, in fact, the PHH XXXX monthly mortgage statement that says payment was missed also shows in the activity transaction box of the statement that the payment was made on XX/XX/2021? All my other past payments were made on the XXXX  of the month via autopay with no issues and previous monthly statements showed payment applied on date of transfer and no overdue payments for XXXX and XXXX for example. I have sent a message to the company but XXXX  not yet received a reply. 

This is the second problem I have had with PHH which assumed my mortgage just this year. It took over three months to get them to pay two missed quarterly property tax payments just resolved this month from my escrow account and the accrued penalties for missed payments. Here we go again with another error!
Product: Checking or savings account

unfortunately i decided to make a deposit at td bank on monday night! the ATM was working perfectly after I put the money inside an error message appeared saying I even have the photos! 
then the message appeared saying that the machine had a technical problem and that he would not be able to return the money or make more deposits, and asked me to put the deposited amount! unfortunately I didn't check the correct value but I know it was around XXXX  to XXXX! 
because I always deposit and the machine counts the money so I didn't count it because I never imagined it would be stolen by the bank itself then I changed the ATM and deposited another XXXX and that deposit worked!! 

on tuesday i tried to call this bank and the phone just does not work i called several times! I can't go there because it closes at XXXX I can only go on Friday but I want them to give me my money back! they put in the app that i only deposited a XXXX dollars thats a lie they stole me i want my money back and then i want to cancel the account and then file a lawsuit against this XXXX bank for all this inconvenience!!!
Product: Student loan

After speaking with multiple representatives from Key Bank and XXXX, I am still unsure as to the why I am no longer eligible for forbearance. I am told by the representatives that I have already exhausted my time in forbearance ; however they will not or can not explain the policy or law-basis for the time limit. Simply put, I would like to understand what the forbearance time limits are and what, if any, similar options are available. 
I finished my degree on XXXX XXXX, XXXX. As such, I do not have the financial resources to pay the required amount owed. So, in an effort to determine and understand my forbearance options, I contacted both XXXX and Key Bank multiple times. My most recent attempt was a call on XXXX XXXX, XXXX which resulted in an attempted transfer to a manager by the representative, which resulted in 30-plus minute hold and then a call disconnect. 
Because, after multiple requests, I have not received an explanation as to the basis for the exhausted time allotted for forbearance.
Product: Debt collection

A few years ago I received a notice in the mail to enjoy a free weekend at XXXX RV park in XXXX, Pa. It said there would be giveaways and a chance at a brand new truck. My wife and I spent Friday night there and in the morning we were awoken by a saleswoman who said she wanted to show us the park. 
We toured the park, still a bit tipsy from a late night of campfire and alcohol. She then led us to an office where high pressure salesmen promised us all kinds of benefits for signing up for a time share of RV parks across the country. 
When we got home and had a chance to read the fine print we decided this wasnt such a great deal. Supposedly for {$15000.00} we had a lifetime membership and if we wanted, we could sell the membership. Once I called the campground they said they had nothing to do with the sales team and that they were part of an XXXX XXXX   XXXX. 
I asked for a refund and the lady said shed take care of it. I started receiving payment coupons and called again. Someone else told me it was too late to cancel because there is only a 3 day window to do so. 
I called and wrote letters but to no avail. I stopped making monthly payments. They stopped calling me but then suddenly I get a notice from a collection agency demanding payment. 
I never received anything in writing from the campground or the company representative from XXXX XXXX XXXX XXXX. I never was given the opportunity to resell the timeshare. I was never informed of my rights. I also found out there was no tangible property or time share to sell only a deep discount club membership for RV parks. 
They misrepresented their business, the nature of the product they were selling and we never received the free trip and airfare promised in the original signing. 
We have tried to talk to XXXX XXXX XXXX XXXX but they say the account is now with Conrad Credit Corp. I contacted them and they said they cant do anything about it because the debt was already sold to them and they want their money. 
Adding insult to injury, we basically have already lost a {$4000.00} down payment and they say we owe another {$13000.00} and we literally didnt get one thing from them! No free trips, no free airfare and no deep discounts for using any of their parks.
Product: Debt collection

I had an XXXX at XXXX XXXX XXXX on XX/XX/2022. I received an estimate before I went to the hospital and on day of services and paid that amount in full. Afterwards I received additional billing, and the hospital insisted that I owed it even though they were no additional services provided then what the doctor ordered. So I filed a complaint with the no surprises act on XX/XX/2022, and received the PPDR determination on XXXX XXXX. It said that I owed only what I had already paid and that the hospital needed to reimburse me for the {$25.00} application fee to lodge the complaint. XXXX XXXX XXXX continued to bill me, despite my calls, as well as me forwarding the official XXXX dispute determination email. Now they have turned me over to collections. I was told that this would not happen, but have received 2 bills from Medicredit, which total {$190.00} more than they were previously trying to charge me. I have supporting documentation to back all of this up.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID Fraud. I have never opened nor authorize anyone to open an account on my behalf regarding XXXX XXXX. I have never had an account with XXXX as well who is the original creditor. Please delete this from my credit asap.
Product: Credit card or prepaid card

XXXX XXXX In accordance with the fair credit reporting Act This creditor has violated my rights. 
( Citi Bank Financial ) under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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

Mohela has not issued an overpayment refund of XXXX for at least three months. Mohela states that they issued the funds but can not identify an account it was placed in or a date received. I have not received any amount of money back. I have been told accounting will fix the issue and return the XXXX for the last three months without success. I do not receive call backs or escalation to accounting when I call. I frequently receive excuses stating that a work order has not been issued, however I have been calling multiple times and have been told they have started work orders for this issue. 

The date they state the refund is issued is XX/XX/year>, but they have no information on file of how the refund was issued such as paper check or direct deposit insinuating that the payment went no where as I have not received it. I have called many times over the last three months without success spending over 1 hour on the phone each time.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX .Balance : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX. Balance : {$5600.00} XXXX XXXX XXXX .... Balance : {$2400.00} TXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX .... Balance : {$6400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XX/XX/XXXX EXPERIAN XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX