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

This Company is reporting late payments on my account. 
In accordance with the fair credit reporting act this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy 15 USC 1681 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction under 15 USC 1666 B 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

In accordance with the Fair Credit Reporting Act XXXX  Account below have violated my rights : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account # XXXX Date opened : XX/XX/2018 XXXX U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 Section 2. It also states a consumer reporting agency can not furnish an account without my written consent 15 U.S.C 166b Timing of Payment 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.
Product: Mortgage

As per attached letter and agreement between CFPB and XXXX ( XXXX ), XXXX sent me the reimbursement check {$440.00}. However, I was not able to deposit the check on time due to relocation, and the copy of the check was given to me just recently. I called the number on letter and requested to reissue a check as it is already expired. Unfortunately, my requested was denied. They recommended to contact CFPB to resolve the issue. Please, advise
Product: Credit reporting or other personal consumer reports

I recently took a close look at my credit report and was shocked to find multiple items that are incorrect, unverifiable, and seem highly questionable.
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during XXXX are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED INFORMATION WITH TRANSUNION AND XXXX AROUND XX/XX/2018 REGARDING XXXX. ALTHOUGH I SENT IN RECEIPTS SHOWING PAYMENTS AND PAYMENT DATES AND A LETTER STATING THAT XXXX  HAD ALLOWED PAYMENT ARRANGEMENTS TO BE MADE, THE CREDIT REPORTING COMPANIES DID NOT UPDATE MY INFORMATION STATING THAT XXXX   STATED THAT THE INFORMATION IS ACCURATE. IN ADDITION, IT DOES NOT STATE IN MY TRANSUNION THAT THE INFORMATION HAS BEEN DISUPTED. 

AS A RESULT OF THE MISREPORTING OF THIS INFORMATION, MY CREDIT SCORE FELL FROM XXXX TO XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX IS TRYING TO COLLECT A DEBT THAT IS NOT MINE FOR XXXX XXXX, FOR THE AMOUNT OF XXXX DOLLARS. I AM DEMANDING A VALIDATION LETTER, SENT TO ME INA TIMELEY MANNER, WHICH I AM ENTITALED TO BY LAW. I AM ON XXXX, THEREFORE MY INCOME IS FEDERALLY PROTECTED FROM SCAMS SUCH AS THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One charged me an annual fee of {$59.00} on my XX/XX/2020 statement. They had my current mailing address, but they never mailed me the statement. Capital One subsequently charged late payment fees of {$25.00} in XX/XX/2020 and {$38.00} in XX/XX/2020 ( plus interest ). It wasn't aware of the annual fee or subsequent penalty fees until there was a delinquent payment indicator on my Credit Report. 

I contacted Capital One by phone on XX/XX/2020. I was informed that Capital One didn't mail me any statements because I opted out of paper statements in favor of electronic statements. This was impossible, because Capital One didn't have a correct e-mail address or a correct phone number on file. I updated that information during the call on XX/XX/2020, and I paid the balance due in full. However, the customer service representatives declined to remove the late payment penalties even though there was no way for me to have known ahead of time that I owed an annual fee during the month of XX/XX/2020.
Product: Debt collection

AFNI has been harassing me for years at not only my home but my FORMER EMPLOYEE as well. I have disputed the bill several times because of the fact I was not suppose to be responsible for the debt as it was an agreement with my former employer that he would pay the past due balance of {$890.00} which was accrued as a result of WORK. Despite me calling and sending the info in they are continuing to harass me and Ive not only asked them to stop but Ive changed my number only for them to call my former employer ( the one who agreed to pay that bill originally as it wasnt mine, but is refusing too now )
Product: Checking or savings account

I applied for a loan and was scammed with a fake cashiers check. Because of this it caused my account to go into the negative. Tried talking to bank, they said usually when things like this happen we end our relationship and close the account. The account was not closed and continued to accrue fees from the bank. Then it was closed and charged off into collections. I deposited XXXX $ or so to open the account and then never used it otherwise one time other than the scam loan thing and they charged it off for over XXXX dollars. I planned on getting my opening deposit back, not paying in for no reason at all.
Product: Mortgage

Regarding Complaint - XXXX - We received a notification that this complaint was closed. It appears that " as always '' that the CFPB is going off of what Truist is telling you and you are NOT doing an investigation for yourself. I think that if someone would do an investigation that they would find that we are right and Truist hasn't. They are just trying to pass the buck with their 'obligatory letters ''. THIS IS NOT RIGHT!!!!! I thought that the government and state agencies were to protect the citizens. It appears that either these government / state agencies are just there to pass papers and protect BIG CORP like Truist that are not taking responsibilities for their actions and are basically scamming people. ( If you don't believe me, take a look at SOCIAL MEDIA ... .. this one, in particular ... ... XXXX XXXX XXXX I would like a further, more detailed investigation from your organization regarding our issue. You will find that we have a case against Truist. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  # XXXX and XXXX XXXX # XXXX are double reporting on my account. XXXX   XXXX  was sold to XXXX XXXX  but they are both on my credit and reporting a balance. This is in violation and it needs to be removed.
Product: Debt collection

On XX/XX/2021 I received a billing statement in the mail from a collection agency called AMERICOLLECT, INC notifying me of an amount due to a hospital. On XX/XX/2021 I mailed a debt validation letter to their offices via USPS, asking them to validate the debt for which they are seeking to collect. Unfortunately that letter was mailed un-certified and strangely, I did not hear back. After recognizing my error, on XX/XX/2021 I mailed a second Debt Validation letter via USPS Certified Mail accompanied by a return receipt. In the Debt Validation letter I asked AMERICOLLECT, INC to prove that this medical debt is mine. I asked for specific documents, at minimum a document bearing my signature where I acknowledged owing AMERICOLLECT, INC. A few days later, I received my return receipt in the mail and about ten days after that, I heard back. AMERICOLLECT, INC responded by sending me a vague semi-itemized bill. It is my belief that AMERICOLLECT, INC has failed to validate the debt in question, which is a FDCPA violation. Furthermore, they have failed to provide proof within the document as to their legal rights to collect on this debt. Not only did AMERICOLLECT, INC not validate the debt but the company decided in the interim to take action and report this invalidated debt to the credit bureaus. As soon as I received the first paper billing statement in the mail, I immediately sought to understand who they were and where this was coming from. The action of reporting this debt, which had NOT been validated constitutes fraud under both Federal and State laws. As of XXXX XXXX, a third and final correspondence has been mailed to AMERICOLLECT, INC in the form of a Failure to Validate letter. In the letter the company has been alerted that I will seek legal consult as to how to move forward. The action AMERICOLLECT, INC has taken to report this invalidated debt has proven detrimental to my credit report and credit score.
Product: Checking or savings account

On XX/XX/XXXX, I deposited a promotional check sent to me by XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX offered to use the check for any amount I needed up to the credit limit. I need to pay taxes on XX/XX/XXXX, so I tried to deposit a {$10000.00} check on my Citibank Account using the Citi XXXX on my XXXX. When I try to deposit the check, Citi XXXX prompts me with a message advising me that an error occur and to try again later. Since I needed the money, I went to the Citibank branch directly, and the check was deposited. 

On XX/XX/XXXX, I received an email that said : We periodically review customer accounts and assess account activity. Based on a recent review of your REGULAR CHECKING account, we found that you have violated the terms of your account per the client manual. As a result, your REGULAR CHECKING account and any other Citi accounts you have will be closed within 60 days of the date of this communication. 

On Saturday, I received a call from XXXX XXXX XXXXXXXX requesting to confirm the check, and I proceeded to verify the check. 

On Monday, I went to the bank to find out what had happened. It appears that Citi XXXX accepted the check that I attempted to deposit on my XXXX after all, and it looks like if I tried to deposit the same check twice, that violated the terms of your account per the client manual in the bank 's eyes. In my eyes, I never attempt to deposit the same check twice ; I only follow Citibank XXXX instructions to deposit the check later. 

Since I have a credit line available, XXXX XXXX XXXXXXXX pays the check twice and charges {$20000.00} to my credit card balance. 

So, on Monday, XX/XX/XXXX, I had a balance of more than {$27000.00} available but was blocked. I went to the branch and spoke with the manager, explained everything, and told her that I needed to pay taxes to the IRS. She allowed me to withdraw {$13000.00}. She told me that I would get the rest after investigating what happened and that it could take 60 days. 

Sixty days passed with no clear answer from Citi. I spoke with XXXX XXXX XXXX, and in repeated conversation, they told me everything was right. The check was paid twice, as it is reflected in my credit card statements with all the corresponding charges for check utilization and the amount requested. 

After 60 days, I wrought a presidential complaint, explaining what happened. They answered with a letter explaining that my account was closed. Not only that, but my wife 's account and saving account were also closed. Every time I asked for my money, they told me that I would get it " anytime now ''. That never happens. 

This week will be 160 days since Citibank took my money, and in a call last week, I was informed that they would not give me back my money, but no clear explanation was given, only that it was not mine, but they dont know who the owner of the money is. Again, I went to XXXX XXXX XXXXXXXX to see if there was a problem at their end, and the answer was no problem whatsoever. 

So, Citibank closed my accounts, kept more than XXXX dollars for no reason whatsoever, and gave me no resources available or way to get my money back.
Product: Debt collection

I have carefully reviewed my latest credit report and found several unauthorized accounts that I did not open.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Vehicle loan or lease

My name is XXXX XXXX, my mother 's name is XXXX XXXX - We contracted with XXXX XXXX in XXXX. My mum had signed up for auto payments and in XX/XX/XXXX we contacted XXXX that we may need to have some help and inquired about their program. My mum went in for XXXX XXXX XX/XX/XXXX and we thought that her payments were being auto paid. My mum had her bank account compromised and XXXX XXXX XXXX had to change her account. I believe there is where something happened - but we never received a call that her account was not paid and that the car would be repossessed. My mum is XXXX years old. She pays her bills but honestly, I think something fell through the cracks - I called to see what we could do and they wish for us to pay in full. I called to find out why they never contacted us and they said we had a " Do Not Call '' on our contract - That is not true. We never would place something like that on a contract and my mum and I were present together signing this lease. Please help us - as my mum needs her car for dr appointments and she still works.
Product: Student loan

I am in the PSLF program. My federal student loans were previously serviced by XXXX XXXX prior to being transferred to Mohela. My complaint is against Mohela. 

Prior to the XX/XX/2022 PSLF waiver deadline I submitted a PSLF application and a loan consolidation application. Because my loans were being transferred a third servicer, XXXX, processed my consolidation. It was complete XX/XX/2022. Mohela showed the correct total of my loans shortly after that consolidation was complete. I realized I needed to add a couple additional loans to the consolidation and was within the 180 day window. Mohela advised XXXX would process my Add-loan application. I received confirmation they completed that application XX/XX/2022. Shortly after my add-loan application was submitted my balance on Mohela 's website changed and I only see the loans that were previously consolidated. The loans that were added are not visible. This also reset my PSLF count so I now have no idea how many months I have credit for. 

I have contacted Mohela multiple times about updating my add-loan consolidation to show an accurate balance but they continue to give me excuses as to why it's not yet complete. I have uploaded the documents from XXXX showing the completion as well as total balance, I have called and done a conference call between Mohela and XXXX, I have submitted complaints internally with Mohela, I have spent countless hours on hold and speaking with multiple representatives as well as Supervisors at Mohela. I have been told the process can take 30-60 days and also 60-90 business days, either way it has been more than that since my add-loan application was completed by XXXX. Mohela can not tell me when it will be complete or why it's being delayed. 

Attached to this complaint are six pages of documentation from XXXX confirming the data and dates described above. I have submitted this information to Mohela also but still have not received an update.
Product: Mortgage

I have filed seven previous complaints regarding mortgage approval process and insurance requirements with no action taken. I recently learned that Wells Fargo has been ordered to compensate some consumers due to their practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

i checked my credit report today and i found out that experian is attempting to report an invalid collections account on my credit report from XXXX XXXX XXXX XXXX. 
account Number XXXX. 
this account has been disputed and deleted in the past and has recently been deleted by XXXX  from my consumer credit profile. 
Reporting this debt is a gross violation of my rights under the FCRA guidelines. Delete all records of this account from my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting on Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate information that remains on my credit report for the account with XXXX XXXX, account number XXXX. Despite multiple requests for correctionincluding letters sent on XX/XX/XXXX and XX/XX/XXXX, XXXXthe inaccuracies have not been resolved. 
This lack of correction violates provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). I request that you investigate this matter immediately and correct the inaccurate late payment notation. 
Details of the Account and Discrepancies : High Balance : {$36000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} Closed Date : -- Account Rating : Open Account Description : Individual Dispute Status : Account not disputed Creditor Type : Auto Finance Account Status : Open Payment Status : Current Creditor Remarks : -- Payment Amount : {$590.00} Last Payment : XX/XX/XXXX Term Length : 75 Months Past Due Amount : {$0.00} Account Type : Auto Loan Payment Frequency : Monthly ( every month ) Credit Limit : {$0.00} Two-Year Payment History : XX/XX/XXXX : 30 Days Late Summary of FCRA and TILA Violations : FCRA Violations : According to 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information. Additionally, 15 U.S. Code 1666b mandates that creditors send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
PAANL Violations : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
Desired Resolution : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction from your agency. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel if necessary. Please treat this matter with urgency and provide a response within the legally mandated time frame. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX I demand XXXX provide the original instrument on the underlying obligation from XXXX XXXX And the ( XXXX  ) generally accepted accounting principles for this aleded collection account. 

I demand XXXX to remove these three hard acquires as I did not authorize them immediately with rapid rescore. 

Hard inquiries XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX Equifax I demand Equifax to change the account for XXXX XXXX from not current on XXXX XXXX, XXXX, XXXX, and change to current as this is a violation of 15 usc 1681 ( a ) ( d ) ( 2 ) ( A ) ( I ) so i demand it be corrected immediately with rapid rescore.

I demand Equifax to remove this hard, acquire as I did not authorize it immediately with rapid rescore Hard inquiries XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX I demand XXXX remove these hard, acquire as I did not authorize it immediately with rapid rescore Hard inquiries XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX I demand XXXX provide the original instrument on the underlying obligation from XXXX XXXX And the ( XXXX  ) generally accepted accounting principles for this aleded collection account.
Product: Debt collection

XXXX sent IC System after me a year after I closed my account, claiming I owed XXXX {$59.00} for equipment that I returned to the XXXX store at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX made no prior attempt to contact me via phone or email prior to sending a debt collector after me, and I no longer have the receipt for equipment return because I thought this was finished over a year ago. 

I disputed the charges and explained I returned the equipment to their facility. I noted that they have not itemized the equipment so I have no idea what they are even claiming I kept. I have no reason to keep the equipment because I moved to an area that XXXX  did not service at the time I moved, I have a high XXXX XXXX, and have always paid my other debts on time. I told XXXXIC System to cease & desist and they are continuing to harass me. They filed a collection with the credit reporting agencies, whom I had to contact to have the collection removed ( which they did ). Please see the attached letter for my correspondence with XXXX  ( XXXX XXXX ) and with the credit reporting agencies ( XXXX XXXX ).
Product: Student loan

I am not sure anything has happened but if possible I would like someone to review my loan and my payments to see that Navient has been applying my payments correctly.
Product: Credit reporting or other personal consumer reports

I previously requested that the disputed account ( s ) be marked as 'Account Disputed ' in my consumer files, as mandated by the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C . 1681s-2 ]. However, the purported consumer credit reporting agency has failed to conduct a proper investigation into the ongoing and persistent issues. I was not notified of the investigation status or results, and the agencys failure to address the core nature of my complaint remains unresolved. Additionally, the reported information contains nonexistent and bogus entities that do not reflect a valid legal entity as recognized under applicable laws governing articles of incorporation, certificates of formation, or charters. I demand the immediate expungement of these illegitimate entities and a correction of my consumer file to ensure compliance with federal regulations. Supporting documents outlining these unlawful billing, credit reporting, and debt collection practices, which have persisted since XX/XX/XXXX, are attached. 

See my attached Memorandum for the Record ( CONSENT TO DISCLOSURE ), Subject : Formal Complaint Against the Army and Air Force Exchange Service and the Defense Finance and Accounting Service Regarding Improper Debt Collection, Billing Discrepancies, Credit Reporting Errors, and Unauthorized Pay Deductions Related to Alleged Credit Card Receivables ( Account No. XXXX ), dated XX/XX/XXXX.