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

In XX/XX/XXXX, I called Koalafi to see how much I owed them and to resolve this account since it was severely damaging my credit report. 
In XX/XX/XXXX, I paid the account in full. I requested a letter that the account is paid in full for my records and for the account to be removed from my credit report. I was informed that I will receive the letter in the mail and my account will be updated. 
I called again in XX/XX/XXXX to make sure these things were done and to inform them that I have not received the letter that the account is paid. Again, I was informed that I will receive a letter and my credit will be updated. 
In XX/XX/XXXX, I applied for a mortgage loan and was informed that Koalafi is showing late payments and past due amounts for several months which is damaging my credit. 
On XX/XX/XXXX at XXXX pm, I called Koalafi, again requesting a letter and for this account to be removed from my credit report. I was informed that they will close the account today. I received a letter via email within 5 minutes. I informed them they that they have been reporting misinformation on my account from XX/XX/XXXX until XX/XX/XXXX and immediately remove this account off my credit report. To date I do not know if this has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given EQUIFAX permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, EQUIFAX are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried closing my account dont need your service please help me
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXXAccount Number : XXXX and list of Inquiries. 

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 reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : 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 XXXX, XXXX & Experian 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 a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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

Credit collection- XXXX XXXX is collecting on behalf of XXXX for a total of {$140.00}. I did not receive any document to verify the debt and a proof that it was mine.
Product: Debt collection

I received a collection letter from Cawley & Bergman. After attempting over ten calls weekly, I could not speak to a live person. The recording asked to leave a name and phone number. After making a few phone calls directly to the creditor I was able to confirm that the account Cawley & Bergman states it's mine is incorrect. I have attached my communication with the original creditor. 

Thank you,
Product: Debt collection

XXXX XXXX XXXX they also go by Resurgent Capital Services LP. I have settled amount and they my company is still sending them a payments from an old judgement they sent another old judgement signed by the judge a long time ago after it was alrey paid. This business needs to be shutdown because they have done this to a lot of different people after I searched their name on XXXX. The same thing is happening and they are calling me and they just started calling me again threatening me that I am going to lose everything I got if I dont paid this and I will lose my job because they are going to call them and tell them that I am a bad employee because I dont pay my bills and I am in the financial field. Please do whatever it takes to put this company out of business
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 XXXX 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 : 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
Product: Checking or savings account

The bank charges extremely high over draft fees.   My account was  XXXX  dollar  I o verdraft It by  XXXX  dollars I Now have  7 over draft fees..  <P/>   XXXX   XXXX     XXXX   XXXX   shut down ...   I dont want a first citizen account ... Even though you may purchase my account does n't make me forced to keep the account ... I do n't want to do business with first citizen
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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
Product: Checking or savings account

On XX/XX/year>, I submitted a complaint with the XXXX regarding Wisely Inc., as they made my transferred funds from XXXX inaccessible. After filing this complaint, Wisely verified my identity, granting me access to my card. However, on XX/XX/year>, Wisely unexpectedly closed my account, citing that I was not " a good fit '' for their service. I believe this closure is retaliatory in nature, in direct response to my previous XXXX  complaint. 

When I questioned the reason behind this closure, Wisely reaffirmed their authority to close accounts at their discretion. They further informed me that the remaining balance of {$64.00} would be sent as a closure check via mail.

I believe that closing my account as a response to my complaint is illegal retaliation, and I request : 1. Immediate reinstatement and reopening of my account.

2. Unrestricted access to the remaining balance.

3. A public apology from Wisely Inc. for this retaliatory behavior.
Product: Credit card

My personal information was breached through this organization of capital one and I have not been compensated for this breach. I am entitled to the lawsuit that was filed against capital one and deemed payments for all those affected. I want my compensation for the breach of contract with my personal information through this corporation of capital one.
Product: Money transfer, virtual currency, or money service

second complaint. fraud said not fraud despite this person was brought up the XX/XX/XXXX XX/XX/XXXX pd and now claims incompetence. never asked of proof of that case
Product: Credit card

I opened a secured credit card with first progress around XXXX of XXXX. Immediately after I called them and requested that they close it.I didn't want the account to be opened. They assured me that after it was done processing that it would close and refund me. The secured deposit I made. I threw away the credit card and forgot all about it. Now it is XX/XX/XXXX and they reported to the credit agencies that I have late payments. They have charged me for 2 annual fees, even though I requested the account be closed. I have not used this a card. And the only charges that were accumulated on this card were annual fees, even though I told them to shut it down in XXXX while the application was still being processed. I called customer service. Even spoke to a supervisor they informed me that there was nothing they can do except close the account which would take about fifteen days. They refuse to give me access to my account by providing my account number and card number so I can see the charges for myself. They told me that the only thing I can do is send a written letter. To their company explaining the situation, and hopefully they reverse everything. My credit score shot down XXXX points because of this fraudulent situation. The company first progress did not seek to rectify it. Even though it was clearly a mistake on their part.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Checking or savings account

they have de activated and closed account held customer funds and refuse to refund the money to customer or release funds with no reason as to why they are doing this causing me to stop my jobs becaseu no funds to buy materails
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX Bankruptcy XX/XX/XXXX XXXX  XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX XXXX   {$28000.00} XX/XX/XXXX XXXX XXXX - XXXXXXXX   {$570.00} XX/XX/XXXX XXXX XXXX   XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1300.00} XX/XX/XXXX XXXX
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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

XX/XX/year> to XXXX XXXX credit card was open under my identity. I have no knowledge of the account and was unemployed at that time. I wouldnt go to XXXX XXXX when I jobless.
Product: Debt collection

I moved to the property where I currently live in XX/XX/XXXX. In XX/XX/XXXX, I received a bill in the mail for water and sewer for the period of XX/XX/XXXX through XX/XX/XXXX. I paid this bill on XX/XX/XXXX. Also, in XX/XX/XXXX, I received a bill in the mail for water and sewer for the period of XX/XX/XXXX through XX/XX/XXXX. Again I paid this bill on XX/XX/XXXX. 

The water and sewer bills recommend to pay the bills on XXXX XXXX XXXX XXXX, XXXX. website. XXXX XXXX XXXX  website recommends to pay the bills through a third party which in my case was XXXX. I have the receipts of payment for both bills from XXXX 

Yesterday, I found in the mail a Notice of Intention to Create a Lien against my property from Pickett Law Firm. I first called Pickett Law Firm yesterday, It was after office hours. I did not get a chance to talk to anyone. This morning, I called again around XXXX XXXX Pickett Law. They put me on the hold until the call ended. I also reached out to XXXX XXXX XXXX XXXX XXXX  after the call to Pickett Law. The lady I spoke to, indicated that the issue is already at the Pickett Law firm level. So, they can't help me. I would have to contact the Pickett Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I disputed a collection account on my page after receiving notice from XXXX XXXX stating after my dispute they have closed and request the account to be deleted. Experian refuse to acknowledge
Product: Mortgage

In XX/XX/2017 days after Hurricane Irma, we received an email from Loan Depot asking do you need a three month natural disaster forbearance, reply back yes or no. We replied back YES. it was that easy. Too easy in retrospect. Our mortgage payment is $ XXXX/month so that money allowed us to make repairs after the hurricane. 

Three months later we were offered a natural disaster modification from Loan Depot however, that modification raised the interest rate on our VA loan and and charged various fees. Instead, of accepting that proposal we informed Loan Depot we didn't want a higher rate, we took out a personal loan, got caught up on the three payments. However, when I called today, I was told we were not removed from the modification program and I have to request that we be removed and fees refunded. 

No where in a single piece of paperwork ( and I saved every single one ) did Loan Depot ever disclose they were going to raise the interest rate 1 % higher rate. Nor did they disclose there would be other fees. They made it easy to get in the program and now getting out, even though we are caught up, is next to impossible. I can only imagine if we are having these issues, so are a lot of other veterans. I think Loan Depot expected us to just refinance again to get the lower rate that we had initially. It seems predatory to us and takes advantage of not only a natural disaster but also veterans.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The information you provided is different from other bureaus. This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Checking or savings account

I filed a compliant on USAA XXXX # XXXX and am still having issues with my checking account. 

I provided USAA with the new Trust documents. I requested to have my USAA account closed. USAA sent me a check that I can not cash because the check was made out to the old trust name. Furthermore, I was told by USAA that the account was closed. However, I am still receiving account statements on my checking account from USAA. 

Date of check XX/XX/2021 Check # XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$8200.00} DEPTEDXXXX XXXX Balance Owed : {$96000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - DPT EDXXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX Balance Owed : {$1900.00}
Product: Student loan

MOHELA Loan Service has stopped accepting all student loan payments. Last payments were in XXXX XXXX of 2024. Since then I have made payments every month that continue to be reversed. I have called hundreds of times waiting on hold for hours at a time and no one answers. I was able to speak with someone one time and all they stated was that my loan has not been paid. They did not speak to the payment history and payments being reversed and they hung up. My loan is now in collection and affecting my credit score. There is no way to make a payment. Here is the link to the company serving my loanhttps : //authenticate2.mohela.studentaid.gov/XXXX XXXX 

the Biden administration promised student loan forgives and then makes us pay. They then switch the loan provider and this is what happens. There are hundreds of people around the US going through this as.