23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] XXXX, AL XXXX ] [ XXXX ] [ Your Phone Number ] [ Date XX/XX/2024 ] Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to address significant inaccuracies present in my credit report, as provided by your agency, in accordance with 15 U.S. Code 1681, which guarantees accuracy based on federal law.

Equifax credit report errors can encompass outdated personal information, mixed credit files, incorrect account details, and indicators of potential fraud. Recent admissions by Equifax reveal misreporting of credit scores, potentially impacting applications for mortgages, auto loans, and credit cards due to a coding issue during a technology change.

These reporting errors have severely impacted my credit, resulting in denials of credit for both personal and business endeavors. I am disputing the following fraudulent collection errors : XXXX XXXX XXXX - Reported : XXXXXXXX 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  Additionally, fraudulent hard inquiries have been reported. Complaints have been filed with the Federal Trade Commission and Consumer Financial Protection Bureau against the following institutions : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  United States I urge Equifax to investigate these discrepancies promptly and remove all inaccurate reportings from my credit report. Timely resolution of these issues is crucial to ensuring the integrity and fairness of my credit profile.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

MOHELA continues to make the student loan repayment process confusing for consumers. I am continually receiving documents on a frequent basis with updates to a payment schedule that makes no sense. When the website transitioned to the new platform, I lost my automatic payment discount. I am now back on automatic payments with discount applied ; however, the last XXXX payments made, 100 % of the payment was applied to the interest with 0 % going to principal. This is so confusing and I don't know why there seems to be an issue. I was told I need to payoff the interest balance so that any future payments will be properly applied ; however, I need to call customer service to ensure the payment is reapplied to interest and not principal. So confusing! Within the last two days, I received yet another letter about a repayment schedule change. I am being told I am " paid ahead, '' but nobody can explain as to how this came to be and if I am paid ahead, why the payments go to interest and not to a combination of principal and interest. I also received a letter dated XXXX XXXX, XXXX that my account has a forbearance applied. The dates of forbearance is XX/XX/XXXX through XX/XX/XXXX. Why am I receiving this notice so late? Also, the website shows {$0.00} due for my next payment on XX/XX/XXXX ; however, customer service confirmed a payment will come out. However, according to a letter I received, my payment isn't due until XX/XX/XXXX. I have a total of XXXX loans with MOHELA, one of which has a small balance. They informed me I am unable to apply the majority of my payment to the smaller loan, because the other XXXX loans will show as delinquent. This is absurd. I want to pay down the smaller loan balance first to payoff the loans quicker, but I am being told no. This feels like they are taking all of my money and I am unable to get ahead. Payments are being mismanaged and MOHELA can not provide answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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  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: Debt collection

Ive been getting threatening calls from Alliance Recovery XXXX ( XXXX XXXX XXXX, the call my elderly mothers phone as well. They claim to be calling on behalf of XXXX XXXX saying I owe almost {$3000.00} which is not true. When I tell them show me proof they get an attitude and threaten to come to my job to serve me papers. Also to call Human Resources to garnish my check. Im tired of the harassment because I do not owe any {$3000.00} to XXXX XXXX.
Product: Debt collection

Premium Asset Services is violating the Fair Debt Collections Practices Act ( FDCPA ) in communications with me and depriving me of my legal rights under the FDCPA. 

On XX/XX/2016, a message on my answering machine requested me to call a " XXXX XXXX '' at a call-back number. A search of the number found it is Premium Asset Services, a debt collector. 

On XX/XX/2016, I answered the phone and was connected to a belligerent man who stated an alleged unpaid debt and began prodding me to acknowledge it. I did not. He said it can be determined in " discovery. '' I stated that Premium Asset Services is a debt collector and requested that he mail me a collection letter ( written notification ). He insisted they are not a debt collector, but rather a " law office '' or " law firm. '' He refused to send me written notification and said he does not have to do so. He accused me of some sort of legal violations and said I " better get an attorney. '' He said " we only give it 72 hours. '' I said, " I believe you are a scammer. '' He then hung up. 

Since then, numerous messages have been left on my answering machine demanding I call Premium Asset Services, PAS, or a " XXXX XXXX. '' Some have implied that the matter concerns my residence and/or have implied that legal action is pending against me. In addition, the phone has rung multiple times during weekdays without messages being left. 

I submit that Premium Asset Services has violated the FDCPA as follows : 1. In all calls received from Premium Asset Services, failure to state that the call is from a debt collector and that the purpose of the call is to collect a debt. 

2. Misrepresentation of Premium Asset Services as a law office/law firm. 

3. Refusal to send me written notification of the alleged debt. The FDCPA requires debt collectors to provide written notification within five days of first contact. The XX/XX/XXXX call was the first contact. 

4. Implied threats of legal action. 

5. Deceit : Implying that the matter pertains to my residence. 

6. Causing a telephone to ring repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. 

Per the Privacy Act as a federally protected consumer, I have a right to privacy. 

Per the Securities Exchange Act XXXX XXXX agreed to discharge this debt so it can not be late. 

Per the International Bill of Exchange and Promissory Note XXXX XXXX  failed to tell me the federally protected consumer that they would securitize my promissory note which would be a violation in Truth in Lending Act. 

Any credit amount over {$1.00} is due to the consumer by the certificate of indebtedness. 

15 U.S. Code 1681q 15 U.S.Code 1681s-2 ( a ) ( 1 ) ( A ) 15 U.S.Code 1681s-2 ( a ) ( 1 ) ( B ) 15 U.S.Code 1681s-2 ( 7 ) ( E ) Per 17 CFR 424 Capital One said it would not commit language fraud.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion Experian , and Equifax 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 XXXX XXXX XXXX  XXXX Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX  XXXX Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX Account # : XXXX | Type : Charge Card | Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX XXXX  Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX  XXXX XXXX  Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX Account # : XXXX | Type : Charge Card | Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX XXXX  XXXX  ( Original Creditor ) Account # : XXXX | Type : Debt Buyer | Opened : XX/XX/XXXX XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX | Type : Debt Buyer | Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX | Type : Debt Buyer | Opened : XX/XX/XXXX These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copies of FTC Identity Theft Criminal Complaints # XXXX, XXXX, XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

ACIMA erroneously turned over a line of credit debt ( previously paid off ) to a collection agency. The collection agency is now trying to collect a balance that doesnt exist. The loan was paid off on XX/XX/. ACIMA offers 90 days same as cash terms. However, they are not honoring the contract agreement. Theyre guilty of bait and switch.
Product: Vehicle loan or lease

I paid my car note early and made XXXX payments XXXX on XX/XX/XXXX and XX/XX/XXXX. First payment was XXXX, second payment was XXXX. My payment was not due until the XXXX. I made a payment towards principal of XXXX on XX/XX/XXXX. I then made a payment on XX/XX/XXXX of XXXX. Another payment of XXXX on XX/XX/XXXX. And a last payment of XXXX on XX/XX/XXXX. The XXXX I paid for XXXX nothing went towards principal. My daily interest rate is XXXX. The interest accumulated would be XXXX from the XXXX of XXXX to XX/XX/XXXX. There should have been at least XXXX towards my principal. They havent sent print out of accumulated interest either saying that it takes XXXX days.
Product: Checking or savings account

Earlier this year I attempted to open an account at XXXXXXXX XXXX  ( a division of Texas Capital Bank ), but was not able to do so. The XXXXXXXX XXXX stated that it was not able to verify information on my application, however it has not stated what specific information it was not able to verify and what verification method had XXXXXXXX XXXX attempted. 

To my request to XXXX XXXX to provide factual information that prevented the bank from opening an account for me I received a voice mail that was not 100 % comprehensible and the enclosed letter that informed me that Texas Capital Bank attempted to contact me with the information that I had requested via telephone and email, but refused to include any factual information in the letter that they sent me. 

I have concerns that XXXXXXXX XXXX  is attempting to hide its real reasons why it does not want to open accounts to consumers in the class that I belong to.
Product: Debt or credit management

I signed up with Alleviate financial solutions in XXXX, XXXX. With the understanding that they would negotiate to get settlements on my debts for less than the amount owed and that legal services were a part of the program in case of lawsuits. My understanding was that usually clients in California in particular would be qualified for a fixed rate loan after about 12 months in the program. Since enrollment I have made every payment as I agreed at the start. In the past 18 months, I have been sued twice, and had judgements against me both times for the full amount owed plus legal fees. I even ended up with my wages garnished. 
In XXXX of XXXX I was informed that my amount owed was sufficiently low enough that I could qualify for a loan. Since that time, due to Alleviate not turning in my paperwork in a timely manner, I have timed out of the ability to apply for that loan now. I was connected with another loan provider and denied a loan due to several different issues, including too high balances. I was then informed that Alleviate had no influence or ability to facilitate these loans and if I just waited another 90 days I could reapply. Since part of the denial was based on the balance of debt, I called the client satisfaction team today, XX/XX/XXXX to request that Alleviate use my funds they are holding in my account to pay off a couple of creditors. I was informed that I could not make that request that the accounts had to be negotiated. I have requested multiple times to communicate with the negotiators and to close out the accounts as soon as possible. Every time I call, I have to request that the person I am speaking with review my account and even then nothing is resolved. I am paying 25 % of the original debt as fees to Alleviate and monthly fees for the legal services and custodial services. I want to get out of this program as advertised and use the money they have to make that happen
Product: Credit reporting or other personal consumer reports

XXXX XXXX Attn : Customer Service XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Removal and Deletion of Personal Information XXXX XXXX # XXXX, # XXXX Dear Sir/Madam, I am writing to request the removal and deletion of my personal information from XXXX XXXX 's records and databases. It has come to my attention that there is inaccurate information associated with my name, and I wish to have my profile entirely expunged from your system. 

I want to emphasize that I have never engaged in any business dealings with Capital XXXX, nor have I ever held any accounts, made payments, or otherwise interacted with your company. Yet, there appears to be erroneous data attributed to me within your records. 

In light of the aforementioned, I kindly request that you promptly undertake the necessary actions to remove and delete all information related to me, XXXX XXXX, from your system. This includes but is not limited to any accounts, personal data, and associated records. 

I understand the importance of data accuracy and compliance with data privacy regulations. I trust that XXXX XXXX will take the necessary steps to ensure that my information is completely removed and that any traces of my presence within your databases are permanently deleted. 

I kindly request written confirmation that my information has been successfully removed from XXXX XXXX 's records. This confirmation should outline the specific actions taken to address this matter. 

I appreciate your immediate attention to this request and look forward to a swift resolution. If you require any additional information or have any questions, please do not hesitate to contact me at [ Your Phone Number ] or via email at [ Your Email Address ]. 

Thank you for your assistance in resolving this matter. 

Sincerely,
Product: Checking or savings account

I received an account statement from Huntington Bank - showing I have an account with them. 
I have never visited this bank. I do not want an account with them. 
I am reluctant to reach out to them knowing that they allowed an account to be opened with my information and without my authorization.
Product: Mortgage

The escrow on my mortgage increased by {$580.00} ( approx ) a month and I was not notified. Additional {$580.00} was paid on XX/XX/XXXX XX/XX/XXXX without notification or consent. This is a reoccuring monthly payment and would have been deducted monthly without my inquiry. The failure to to notify was acknowledged by an employee at Capital One bank on XXXX XXXX, XXXX after XXXX calls ( XXXX XXXX and XXXX XXXX ) and a failed attempt to have an analysis conducted by the Capital One Escrow Dept.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1900.00} I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CBPB 's findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This slack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to apply for a credit card and was denied. I went home and signed up for one of those credit reporting company and I see accounts on my credit that I dont know nothing about XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I reached out to the FTC and the police. I really need some help im doing this by myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint against XXXX and Transunion on reporting information incorrectly and the issue has not been resolved. I have contacted the credit bureaus and made sure they had my personal information which they stated they needed my address in order to correct inaccuracies. While looking at my credit report I noticed the following accounts had a discrepancy in the account status. The accounts are reporting as open which obviously an account that has been sent to collections should not be listed as open and is not under FCRA  compliance. Because of this apparent neglect in assuring everything in my credit report is accurate, consistent and up to date please delete these items immediately. 

Transunion 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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX - US DEPT ED XXXX US DEPT ED XXXX
Product: Checking or savings account

CITI locked my account today and there is no way to unlock it. It requires my account number but apparently the account number is not retrievable with my account being locked. The unlocking procedure effectively creates a deadlock. They refused to use SSN, drivers license number, address or phone number to identify me. I have life savings in that saving account.
Product: Checking or savings account

I was told that I would not have any fees associated with my Citibank Checking account as long as the balance was above {$1500.00}. I left the account without looking at it for over a year because I was confident that there would be no fees after my conversation with a Citibank agent.

I returned to my account and found that I had been charged {$25.00} / month and had over {$400.00} in fees on my account with no other transactions. I asked the bank to refund these fees and they refused.

I asked if there was any way to have a paper trail for written communications with the bank and was told that no, that phone calls and recordings are the only way to manage communications. The agent made a mistake and misinformed me but because of Citibank 's policy there is no way to prove this or make a case. 

They collected hundreds dollars of fees for NO VALUE on a checking account I only kept open because of the explanation that there would be no fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several requests to Experian, XXXX  and XXXX  for them to report the correct information. They are reporting my name incorrectly and reporting addresses that do not belong to me. The following information is repoting incorrectly. 

XXXX  has my name as XXXX XXXX my name is XXXX XXXX I am a man not a woman. 

Experian - XXXX XXXX XXXX my name is XXXX XXXX XXXX Addresses do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  - XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX my name is spelled XXXX XXXX XXXX Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The only infomation that should be reporting is : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I requested the company of fifth third to validate that this account had been paid late on XX/XX/2023. Account number ending in XXXX. I also requested written proof from myself that this company had the right to report late payments to my credit.