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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$0.00}
Product: Mortgage

In XXXX In XXXX I sent in XXXX partial payments totaling XXXX. Well Fargo Mortgage accepted these and applied them to the principal only and not to the XXXX Payment. Wells Fargo sent a notice they can not accept partial payments so I corrected this by sending in full payments in XXXX. Since Wells Fargo applied these to the principal and not to a monthly payment it caused a cascade of late fees from XXXX to XXXX. 

The total of late fees are {$2400.00}. Since that time I did not receive a call, email, or phone call about my persistent late payments as I assume I did not miss a payment. They continued to collect consistent late fees while I continue to damage my credit.
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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dept Of Ed/ XXXX XXXX, Dept Of Ed XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section States : no consumer agency may make any consumer report containing any of the following items of information, Any other adverse items of information, other than records of convictions of crimes which antedates the report by seven or more years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish ay 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: Student loan

Mohela is supposed to process my public service loan forgiveness. I am at XXXX payments and they will not update the qualified payments. They put me in forbearance and they said that those payments would count but they just keep lying to nme. I have met the XXXX payments required but they keep lying and dodging my questions. I get different information every time I call.
Product: Debt collection

I agreed to a installment payment process to pay off a {$2200.00} debt the account was opened XX/XX/XXXX. Last payment was XX/XX/XXXX the account was closed XX/XX/XXXX but they reported it as unpaid after I paid all the installments
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries were not and should not be reporting.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, As XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5800.00} XXXX XXXX Balance : {$140.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX XXXX : {$230.00} XXXX XXXX XXXX Balance : {$40.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2024. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I went to apply for an auto loan at XXXX XXXX. I have a pre-qualification and pre-approval with XXXX different companies, including XXXX XXXX XXXX. I was told that the deal was done and that the final paperwork would just need to be signed to finalize the purchase. I had bought a car from them in the past and paid off the car in XXXX weeks, with a {$32000.00} overpayment credit. I get to the dealership and they tell me there is no deal and I would have to put down a large down payment in the neighborhoods of $ XXXX minimum, to get a loan. All the pre-qualifications and approvals that I had with me were for loans with {$0.00} down. they told me that the bank said it's a mandatory down payment and not up for negotiation. They also said I had a repossession. It turns out that whoever was auditing the account for XXXX XXXX XXXX didn't know how to read the statement and saw a balance of - {$32000.00} and interpreted that as money owed. The loan was paid off and closed on XX/XX/year>. On that day whoever closed the books, saw a negative on the balance owed... ..reopened the loan as a " defaulted '' loan, and repossessed my personal vehicle. They then sold it to cover the " defaulted '' loan. On my credit reports it shows that the loan was first paid in XX/XX/year>. SO I NOW AM DOWN {$72000.00}! I can't get a loan now with a false repossession, and an erroneously reported defaulted loan. Due to this my business has almost gone bankrupt with financial losses and my income is at poverty levels. My credit score dropped almost a XXXX points! I can't get personal loans or payday loans!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$720.00} XXXX  XXXX {$720.00} XXXX {$0.00} XXXX {$0.00} CB XXXX {$0.00} XXXX  XXXX {$380.00} XXXX OF XXXX {$0.00} XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX {$140.00} XXXX XXXX {$0.00} XXXX XXXX {$400.00} XXXX XXXX {$840.00} XXXX XXXX {$730.00} XXXX {$14000.00}
Product: Debt collection

I was scheduled to receive a cosmetic procedure in XXXX of XXXX by XXXX XXXX XXXXXXXX. I was FALSELY medically cleared for the procedure in XXXX XXXX XXXX. After XXXX XXXX came back showing that not only was I XXXX  AT THE TIME of booking, but the doctor also revoked my XXXX clearance due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The company refused to refund me although this was within their refund policy. The refund policy states that if I became pregnant AFTER booking, I was ineligible for a refund but I was XXXX  at the time of booking. They attempted to force me to take a credit to receive the XXXX after XXXX 

Nevertheless, in the XXXX 's note revoking my clearance for the procedure he clearly states that I am not a candidate for XXXX XXXX regardless as my XXXX history states it will be unsafe. 

The original creditor ( XXXX ) sold the debt to TrueAccord and they unknowingly purchased a false debt. I NEVER RECEIVED THE PROCEDURE NOR WAS IT EVEN MEDICALLY POSSIBLY FOR ME TO DO SO. This is an extortion of money and a disgusting display of unethical practices. I supplied ALL documentation to both XXXX XXXX XXXXXXXX and Affirm in timely fashions. 

I demand they remove this from my credit report.
Product: Credit reporting or other personal consumer reports

Unauthorized Credit Inquiries, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has last reported data on XX/XX/2023 so that it will not report that my account has been charged off and closed. Kindly either delete the account or update it to reflect the charge off, the closed status and the correct date of first delinquency along with other required data including that Consumer Disputes Account, Affected By Declare Natural Disaster, correct the Facially False Data that is obvious.
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I have been unable to access my free annual credit report through TransUnions website and mobile app, as well as being unable to file disputes on their platform. This has been an ongoing issue, and despite several attempts to log in and resolve the matter, I have been denied access to my account. 

Key Details : Attempts to Log In : I have tried multiple times to log in using my credentials, but I repeatedly receive error messages that prevent me from accessing my account. 
Customer Service : I have contacted TransUnions customer service, but no resolution was provided. [ Include specific dates, times, and the names of representatives if possible. ] Dispute Access Blocked : In addition to the login issue, I am unable to file disputes online, which is a violation of my rights under multiple consumer protection laws.

Laws Potentially Violated : 1. Fair Credit Reporting Act ( FCRA ) : TransUnion is violating my right to access my free annual credit report ( 15 U.S.C. 1681g ) and my right to dispute inaccurate information on my report ( 15 U.S.C. 1681i ). Their failure to allow me to dispute errors online also contradicts their obligation to maintain reasonable procedures to ensure accuracy ( 15 U.S.C. 1681e ).

2. Consumer Financial Protection Act ( CFPA ) : Under the CFPA, TransUnions actions could be considered unfair, deceptive, or abusive acts or practices ( 12 U.S.C. 5531 ). They are failing to provide me with the access I am entitled to under the law.

3. Federal Trade Commission Act ( FTC Act ) : By not providing access to my credit report and blocking my ability to dispute errors, TransUnion is engaging in potentially unfair or deceptive practices, which is prohibited under the FTC Act ( 15 U.S.C. 45 ).

4. Dodd-Frank Wall Street Reform and Consumer Protection Act : TransUnions practices may violate UDAAP provisions ( 12 U.S.C. 5531 & 5536 ) by unfairly restricting access to credit report information and dispute processes.

5. Electronic Signatures in Global and National Commerce Act ( E-Sign Act ) : If TransUnion is providing electronic access to credit reports and disputes but not making them accessible to me, they may be violating the E-Sign Act ( 15 U.S.C. 7001 ).

6. Equal Credit Opportunity Act ( ECOA ) : By limiting my ability to access my credit report and dispute errors, TransUnion may be violating the ECOA ( 15 U.S.C. 1691 ) by potentially preventing me from accessing my credit history.

7. Fair and Accurate Credit Transactions Act ( FACTA ) : TransUnions actions may hinder my ability to monitor my credit for identity theft, violating my rights under FACTA ( 15 U.S.C. 1681m ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous verifications and request for validations to Experian about an inaccurate account being reported on my credit report. The account in question is : Account # XXXX XXXX XXXX XXXX XXXX {$6400.00} Experian has continue to report factually incorrect information on my credit file regarding this account. The loan account They are reporting is identifying as an installment loan which is factually incorrect. The true account type for the type of account is Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately! 

I would also like monetary relief because of this inaccurate information. Due to this false information on my credit report, it has caused me to be denied for various credit products and services.
Product: Debt collection

I have submitted certified letters to each bureau and each creditor, and I have still not received documentation that backs up the claim. I am writing you as my final effort to rectify the issue. The issue is with all three bureaus as well as the following collection agencies : XXXX XXXX, XXXX, XXXX XXXX and XXXX. 

Here is a recap : I sent a validation letter to each of the following companies listed below. I requested that they validate the validity of the debt that they are currently reporting on my credit profile as negative. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
To positively prove that a debt is mine, the creditor must provide the original documentation that I filled out and signed. 
They didnt even respond, and it has been well over 30 days ; almost 4 months to be exact! 
Besides, how do I owe a company that I have NOT agreed to do business with? 
I have not signed anything with either of the companies listed above!
Product: Money transfer, virtual currency, or money service

My issue is with PayPal and it's payment to service industry merchants, in particular hotels. I have attached a screenshot of the issue. The hotel originally authorized the amount of XXXX for my stat for the night which was deducted from my account balance. The hotel then completed the transaction on the same day for {$74.00} this allowed for them to collect on both amounts even though it was for the same stay. My balance was {$130.00} after the {$77.00} was authorized and remained the same even though the later completion was for a lesser amount of {$74.00} this has happened multiple times. Last year they were able to catch the mistake however this year it seems the authorized amounts simply disappear and the authorized amount gets collected as well as the completed amount. So instead of receiving only {$74.00} for the nights stay the hotel collects on {$150.00} the authorized amount, though deducted from my balance never gets released back to the account and in addition to {$77.00} both are taken from my available balance.
Product: Credit card or prepaid card

On XX/XX/2018, Citi notified me of suspected fraud on my credit card. I immediately confirmed for them that a charge to a company I have NEVER done business with, XXXX XXXX, for {$200.00} was FRAUD. Citi immediately closed that card number out and sent me a new card with a new number. Citi did reverse that one fraudulent charge and another, also. Today, XX/XX/XXXX, only 16 days later, I awoke to a text message claiming yet another charge to XXXX XXXX for {$200.00}, was made. After an excruciatingly long call with several customer service reps with heavy foreign accents, I spoke to a supervisor named XXXX, who gave me her rep or code number XXXX. She claims that XXXX XXXX has the ability to change card numbers to a new card number for recurring charges. This proves that both Citi and XXXX obviously did not take any action whatsoever to pursue the CRIMINAL who is using my account to recurrently pay their bill! I have attached my most recent statement, showing the first fraudulent XXXX XXXX charge of XX/XX/XXXX and Citi reversal of this charge.
Product: Mortgage

Filed for Bankruotcy Forclosed on property and equity credit line bankruptcy discharged property foreclosed on and sold to soneone else i no. Longer live at or own this prooerty THE EQUITY CREDIT LINE WAS THROUFH XXXX  XXXX. I RECENTLY STARTED GETTING CALLS AND STATEMENTS FROM XXXX XXXX XXXX XXXX WICH LOOKS LIJE BOUGHT THE LOAN FROM XXXX   XXXX THEY ARE BOW TRYING TO COLLECT ON A LOAN THAT WAS DISCHARGED IN BANKRUPTCY I CONTACTED THEM AND NO LUCK
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two hard inquiries on my credit report from the same company that I did not authorize. The company is XXXX. The date of the inquiries are listed as : XX/XX/2019 and XX/XX/2019. I have NEVER done business with this company, nor have I authorized any type of credit check. I've contacted both XXXX and Equifax directly, to no avail. Neither of these agencies can show proof that I have ever done business with XXXX, yet for the last year has listed the inquiries on my credit file. Equifax has the audacity to put the burden of proof on me by requesting that I investigate my own claim, in an effort to prove " fraud '' ( get a police report, have XXXX submit a " removal request '', etc. ). This is ridiculous! Shouldn't Equifax be the ones conducting the investigation and having XXXX provide the burden of proof? This is a blatant violation of my rights under the Fair Credit Reporting Act. Hard inquiries have an adverse affect on your credit and score ... this erroneous reporting has had a severe negative impact on me and I'd like the items removed immediately!
Product: Debt collection

I received a notice of a debt, from a contractor for a project that was not completed. We advised the debt collector that we went to court through the Register of Contractors and the courts ruled that the contractor had not completed the repairs and contractor was fined and had their license suspended as a result of his action. In additional, the Register of Contractors has advised that we are owed a refund which we are in the process of collecting through the Register of Contractors. We notified the collection agency of this and sent them the documentation from the courts and the register of contractors. We waited over 30 days and had not heard anything from the debt collector. When we reached back out to them, we were told that this was a word verse word dispute and since the contractor is alleging that we owe the money, the debt collector will review to see about taking legal action against us.
Product: Credit card

Capital one closed three of my consumer credit accounts after I mailed in legally tendered negotiable instruments. They claim I had multiple returned electronic payments in XX/XX/XXXX. My accounts were not closed until XX/XX/XXXX after legally tendered negotiable instruments were used to pay the balance in full. Prior to my accounts being closed I was also denied consumer credit increases by capital one, which is a violation of title 15 section 1611, willful and knowing violation gives false or inaccurate information and denial of access to a portion of my consumer credit. I called capital one to inform them that they we in violation of title 15 section 1611, I also ask to speak with the underwriter for a listing of all the factors involved in their decision to deny me access to a portion of my consumer credit. The capital one representative XXXX that I spoke with told me that they did not have a underwriter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below reporting on my credit report must be Deleted since many of the credit reporting bureaus failed to respond within the legal FCRA guidelines. Please Delete the following accounts listed below. Thank You 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
Product: Checking or savings account

More than 16 million accounts at Wells Fargo were subject to their illegal practices, including misapplied payments, wrongful foreclosures, and incorrect fees and interest charges,