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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts to delete XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, DEPT OF EDXXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXXXXXX, DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

We applied for and opened two credit card accounts with Bank of America as a result of a fraudulent transaction. We own a time share in XXXX ( XXXX XXXX XXXX ) and were touring a different time share property. We declined to purchase the other time share but were referred to another area of the company where they offered to purchase our time share in exchange for joining their membership club. We were told they would purchase our time share property for {$39000.00} if we paid {$13000.00} for the membership via applying for an XXXX XXXX XXXX signature card through Bank of America. 

We agreed to this transaction solely on their promise to purchase our time share property. We kept up with our side of the agreement by applying for and receiving credit accounts to charge for the {$13000.00} membership fee and providing them with the contract/proof of our ownership of the timeshare. However, after several weeks where we received no further communication with the company and after several telephone calls and email attempts to contact them, the purchase of our time share never happened. 

We believe that Bank of America participated in this fraudulent activity by providing the credit for payment of the {$13000.00} membership fee even though the time share company never had the intent of purchasing or time share property to start with. 

Details : Date of Transaction : XX/XX/2016 Company : XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX Credit Card - XXXX XXXX XXXX signature card via Bank of America
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to remove address due to this is not my address and Equifax agree to remove it and they continue to report the address I asked to be removed. And I'm unable to pull my credit report. I want a updated Credit report
Product: Debt collection

I have a a unverified account from Jefferson Capital System. I had previously disputed this account. I have never done business with v. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.

I request that Jefferson Capital System Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Jefferson Capital System Cease and Desist all further communications and collection actives and provide the  verification of the purported debt.
Product: Student loan

I paid Ameritech for student loans that I was assured would be paid, if I paid on the loans a total of 340 months. Upon receiving a letter from the FTC, I immediately called and changed my password and other information after being instructed to do so by the FTC. Now, Im dealing with the stress and concerns of my money being refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note, this is not a duplicate complaint. I'm sending this complaint because Equifax credit Bureau has posted on my credit report fraud items. I'm victim of identity theft and I got hard inquires on my report that I never authorized. 
I checked my credit report and noticed some inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the XXXX. 
I have filed FTC report for this matter and have attached to this complaint along with SSN, my driver license and proof of address.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these items above should be removed from my report immediately.
Product: Debt collection

Debt Collection Agency : I.C. SYSTEM, INC I NEVER heard of this company before, but I know their kind because I have been living in this nightmare for about 3 years. 

So an XXXX XXXX XXXX XXXXXXXX account was opened and closed promptly in my name but in a different state. Of course, I had no knowledge of it until someone dinged my pristine credit rating over and over again, resulting in a significant decline in my XXXX XXXX. 

To make the long story short, when I called XXXX XXXX XXXX did not even have a record of any account based on my information. But somehow, the original creditor is XXXX XXXX XXXX. Fortunately, my XXXX XXXX was restored after reporting that it was a fraud. I was so wrong! 

You see, these debt collection agencies sell the debt to " other '' collection agencies when they are not able to collect it. And promptly, without any notice, they would ding my credit ( some companies ding me more than 4 times a month ). And that charade continues while the victim ( that is me ) is helpless in doing anything. 

The credit bureau doesn't help ( XXXX ) because they said I need documents, but I don't have any and can't get any from those collection agencies. They just have my information, the amount of debt, and the POWER to ding my credit anytime they choose to do. It's about {$400.00}, and there is no way I would pay even a dime for such evil companies. 

Now, my credit score went down by more than XXXX points within a month because this company dinged me twice, I have to go through all these useless and unsuccessful steps once again to mitigate this situation. And XXXX XXXX wants me to file a fraud report to ftc.gov and send subsequent documents to them before they can " restore '' my credit score. 

Hope no one goes through what I am going through.
Product: Debt collection

They keep calling and using different numbers and when you call back it says the number is no longer in service. They all so keep calling my cell phone number. When they send out letters they do not put who it is from. I called them about a year ago and they got nasty with me. They told me it is mine account but the only thing is I never recivied any cards from XXXX  XXXX at all. Midland Funding Llc calls all hours of the night either on the house phone or cell Phone
Product: Debt collection

( AR RESOURCES INC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$590.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX-current {$2200.00} I have requested verifiable proof from this company showing that I am liable to them for the debt they continuously post on my credit report as delinquent. I have disputed this account through each of the credit bureaus. It has been removed from my XXXX  report but remains on the other two reports. I also sent a letter to ( XXXX XXXX XXXX, XXXX XXXX, NV XXXX ) the company XX/XX/2020 again attempting to have them solidify the debt as being mine and that I specifically owed them. They have two different addresses listed to reach them. One of the letters I sent  was returned even though I sent it to the address they are reporting on my credit report under. I sent another letter on XX/XX/2020 requesting the same information to another address ( XXXX XXXX XXXX XXXX, XXXX XXXX, NV. XXXX ) and it was received by the company. I have yet to receive a response from this company and the debt remains on my credit profile. I have attached a copy of the letters I sent to dispute this debt with them.
Product: Student loan

I am writing to request assistance with issues Ive been experiencing with Mohela. On XX/XX/2023, I contacted Mohela by phone to pay off the entirety of my student loans- {$37000.00} The money was withdrawn from three of my accounts. The accounts and balance drawn from each is included in the attached document ( Bank statements ). 

On XX/XX/2023 my balance indicated that I owed {$34.00}. I believed at the time that this was interest due so I scheduled an additional payment of that amount. 

That brought the total amount I paid to {$37000.00}. 

However, my balance was continuing to change on nearly a daily basis. On XX/XX/2023, I reached out to Mohela again. My loans ( XXXX and XXXX ) were now showing as unpaid. Mohela 's customer service instructed me that additional time was needed for the payoff to reflect on my account. 

I followed up on XX/XX/2023 because the loans were still showing as unpaid. I made another phone call to Mohela. The customer service representative escalated this to the supervisor and I was advised again to allow up to XXXX business days to correct. Around the same time, I received a billing statement from Mohela stating that I owed {$160.00} by XX/XX/2023. 

By XX/XX/2023, my account was updated. 

The updated balance indicated that my payment from XX/XX/2023 was {$37000.00}. That left me with a stated balance due of {$150.00}. Ive attached Mohela statement as evidence. 

This is where the error lies. 

As evidenced by the attached documents, the original balance Mohela withdrew from my accounts was {$37000.00}. 

The balance Mohela is now stating they withdrew from my accounts was {$37000.00}. Thats {$180.00} less than my original payment. That does not even include the additional {$34.00} that I believed I was paying towards interest. 

I have not received any refunds or returned payments that would account for this difference. 

I have made several attempts to follow up with Mohela. The last attempt resulted in me being disconnected after more than an hour on hold. 

Id like to note that I have spent between XXXX hour and XXXX hours waiting to speak with a customer service representative. I can provide evidence of my call logs if necessary. 

I no longer believe that Mohela is trying to resolve my case in good faith. 

Thats why I am now seeking help from CFPB. As a federal student loan borrower, I want to exercise my right to receive accurate billing statements, fair repayment terms, and quality customer service. 

Please advise me on the proper steps to get assistance with resolving my issues with Mohela. I have enclosed documentation related to my loan. 

Thank you for your time and consideration. I look forward to your guidance on next steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to XXXX XXXX XXXX  ( XXXX ) on XX/XX/XXXX that was signed for on XX/XX/XXXX. The letter was a formal notice of dispute. I received a reply from XXXX dated XX/XX/XXXX stating that their investigation was complete and stated the account was being reported correctly. 

I waited 37 days to verify XXXX violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. 

I sent a certified letter to Trans Union stating that XXXX did not notify Trans Union about my dispute along with a copy of my initial dispute letter to XXXX, proof of delivery, credit report dated XX/XX/XXXX, and a credit report dated XX/XX/XXXX to show that the notice of dispute statement was not reported. 

Trans Union has disregarded my proof of XXXX XXXX XXXX XXXX violation of the law and refuses to remove this trade-line.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : This letter is being sent to you in response to a correspondence sent to me. This is not a refusal to pay more rather, an endeavor to validate the alleged claim pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act requires that, the consumer disputes the debt or requests identication of the original creditor in writing and that the collector must cease collection until he veries the debt and mails a response. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verication of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I request the following :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on 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/2018 Equifax received a certified letter of dispute ( s ) in regards of the following accounts ; 1.XXXX XXXX XXXX XXXX, 2. XXXX XXXX XXXX XXXX  # XXXX, # .3XXXX XXXX XXXX  XXXX XXXX, 4. XXXX XXXX XXXX  # XXXX, 5.XXXX # XXXX, 6.XXXX # XXXX, 7.XXXX  XXXX # XXXX, 8.XXXX XXXX  # XXXX, 9. XXXX XXXX # XXXX Also account listed as XXXX XXXX XXXX  # XXXX, late payment dispute was never verified with proper 100 % accurate verification. 
More than thirty days have passed, and I have not received proof that you have validated or provided 100 % accurate verification, as in accordance with the Fair Credit Reporting Act section 609, 611.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agencies Request for Removal of Unverifiable Account Information Dear Credit Reporting Department, I am writing to formally request the removal of a Late payment from my credit report. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a late payment from XXXX XXXX XXXX, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable late payment from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( XXXX U.S.C. XXXX ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable late payment from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section XXXX ( XXXX XXXX. XXXX ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section XXXX ( XXXX U.S.C. XXXX ), which allows consumers to seek legal recourse for willful non- compliance, and Section XXXX ( XXXX XXXX. XXXX ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Capital One charged me {$59.00} annual fee for the coming year for my card. I told them I want to switch to a card with no annual fee. They agreed to do that and switched me to a no fee card. However, now they won't refund the {$59.00} annual fee for the old card which is now closed. The supervisor said the fee is charged to provide me with the benefits of the card for the coming year. That's fine, but now that I've closed that card, I won't be getting any of those benefits, so it would make sense for that fee to be refunded. Otherwise, they simply took {$59.00} from me and are providing nothing in return. I'm sorry, but that's just not right. For the life of me, I don't understand why these companies agree with you that what you are saying makes sense, but then act completely helpless to resolve the situation.
Product: Student loan

In XXXX, I called Navient regarding a forbearance ending because I was told for the {$50.00} per loan fee, I could have a year long forbearance which wound up ending 3 months later. When I called again, I was told that representative misspoke and forbearance can be a total of 12 months over the life of the loan and I had used 9 months before that. I was able to go on a 6 month payment plan with a payment withdrawal date on the last business day of each month which was to end the last day of XX/XX/XXXX. I kept getting late notices and was told it's because the last day for payments is the XXXX of the month even though I was never made aware of this prior to the late notices. Then, XX/XX/XXXX I get multiple messages from Navient one of which claims I am 100 days delinquent which is not true based on the 6 month payment plan I was on and the fact that they debited the agreed upon amount every month as scheduled. This has now been reported to the credit bureaus which is ruining my credit when it is not possible that I'm 100 days delinquent. They refuse to help and don't even give consistent answers and refuse to even look into it simply stating my account is delinquent and has now been brought current with a new payment plan, one that I never authorized, and I asked the borrower on the account, but she did not authorize it either.
Product: Debt collection

A collection was added to all three of my credit files through Kimball, Tirey and St. John for over {$7100.00}. This was supposedly for an eviction on a lease through " XXXX XXXX XXXX XXXXXXXX '' in XX/XX/2018. This lease was in XXXX County,  California. I live in XXXX, Ga. 

I have been a victim of identity theft in the past. I advised the collector at the law firm of this. She said that the social security number on the application was not my social security number. But then proceeded to suggest it was my responsibility to prove that I was not the person filling out this application. Since when did the responsibility for assuring proper identification on an application filled out fraudulently fall back on me? 

She said that a judgement had been filed against me in XXXX County California and that I must pay this debt. There is no record of a judgement for this item in that county. So that is a violation of the Fair Debt Collection Practices Act. ( In addition to the violation and willful negligence regarding the Fair Credit Reporting Act ). 

I am not flying to southern California ... or Oregon for the next instance..or XXXX for the third instance of fraud against me and filling out local police reports. The leasing company was required to obtain proper identification before completing their lease and did not. 

I want this item removed from my file and I want the CFPB to publish this event so that other victims of ID Theft are not badgered and threatened into bankrupting themselves trying to fix errors that lenders create for themselves NOTE! I have also already submitted a complaint against the three bureaus for the reporting of this item. I will also file a complaint against XXXX XXXX XXXX XXXX..the client of this law firm.