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

When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is 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 Balance : {$0.00}
Product: Checking or savings account

I am filing a complaint with CFPB regarding capital one failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate Electronic Funds Transfer Acts ( EFTA ) as it requires timely access to funds. This situations raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Student loan

My student loans are serviced by Mohela, and I have consistently had issues dealing with them. I am an XXXX XXXX military spouse XXXX XXXX. 

They notified me in XX/XX/XXXX that my account was in administrative forbearance from XXXX XXXX XXXX. I had already made payments for XX/XX/XXXX and XX/XX/XXXX. I reached out to them via their message service and asked what my options are for the payments I made during the time my loans were in administrative forbearance. Mohela told me, in writing, that I needed to cancel my Auto Pay so that my pay ahead payments would be credited to my account. I confirmed for them that I wanted this use this option, in lieu of a refund, for XX/XX/XXXX and XX/XX/XXXX. I canceled my Auto Pay for XX/XX/XXXX, and they did not credit my account using the amount I paid ahead, and instead labeled it a " missed payment '' and then reported it to my credit. I immediately reinstated my Auto Pay so as not to miss a second payment in XX/XX/XXXX, and emailed Mohela to find out what happened. Mohela took approximately two weeks to respond to my message where they asked that I call them, because they could not assist me via message. I called Mohela and waited to speak to a representative for 45 minutes. That representative was unable to assist me, and transferred me to a " Senior Agent '' who could better help me. The wait to speak to a " Senior Agent '' was 48 minutes. Mohela offered to call me back, so I took that option. Mohela called me back 94 minutes later, promptly hung up on me once I answered, and then left me a voicemail asking me to call back. I called back immediately, and was met with another 90 minute wait. At this point, it was XXXXXXXX XXXX XXXX XXXX and I could not stay awake another 90+ minutes for Mohela. 

I can not get anyone on the phone, they won't answer my questions via message, and they erroneously reported a missed payment to my credit report. I feel I have no other recourse then to file a formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act XXXX  XXXX XXXX A 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: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX 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 ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX Balance : {$470.00}
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 : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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, credit repair services, or other personal consumer reports

This is my SECOND complaint against Experian. The one the stated that it wasnt me filing it, it clearly was. I believe this is a stall tactic so they dont have to do their work. I will attached my first disputes and a letter of deletion from a collector. If this is not taking care of soon I will SUE!!!!!!
Product: Credit reporting or other personal consumer reports

It seems that FCRA 605B requires us to delete any incorrect accounts from my credit report. Can you please check the documents? There are inaccuracies in the reporting of some accounts, including the amounts and dates.
Product: Credit reporting or other personal consumer reports

My credit report shows the following for this company : {$220.00} XXXX XXXX XXXX Account Closed Date Closed : XX/XX/XXXX Account Information Account Status Open Account Type Installment sales contract Date Opened XX/XX/XXXX Credit Limit -- Payment Information Payment Status Late 120 Days Past Due Amount {$40.00} Highest Balance XXXX XXXX  Monthly Payment {$10.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Creditor Name XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX
Product: Debt collection

COLLECTION ACCOUNT WRONGFULLY REPORTED ON A CHARGED OFF ACCOUNT AND ON A COMPANY THAT DOESNT EXIST ANYMORE
Product: Credit card or prepaid card

My debit card is also a credit card I keep getting overdraft fee late payment fee XXXXevery month I never signed for credit card only debit card from bank of America my income and spending and beganing and ending balance don't match my online statement every month in XXXX  I was overdrafted and charged XXXXdollars overdraft fees.my monthly ending balance is not applyed to next months beganing balance for 2years now I have been loosing money with bank of America insufficient fund every month in XXXXand late XXXXthere are 31computer generated checks from XXXX XXXX payday loan all XXXX by bank of America XXXX dollars each paid from my account all 31.overdraft XXXX dollars each paid then overdraft I never signed for overdraft protection.bank of America has charged my account for many reason I have received a couple refunds because of fraud to my account by bank of America I have most of evidence to show fraud by bank of America
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023, I received an email notification from Affirm that my account was nearing 60 days past due, at which point my delinquency may be reported. The email also stated to resolve my outstanding payment today. I then called Affirm and spoke with a representative who stated that Affirm does not report 30 day delinquencies, but does report 60 day delinquencies. The representative also said that a payment was needed to be made by XX/XX/XXXX to prevent the account from going 60 days past due and avoiding a possible 60 day late credit mark. On XX/XX/XXXX, I logged into the Affirm website and paid off the loan in full. Unfortunately, Affirm still reported the account as 60 days past due. I previously disputed this through my XXXX credit monitoring file, but Affirm did not correct their error.
Product: Credit card

We have an apartment attached to our home. We had been caring for ill relative and had caregivers. We left on trip and our card was used several times online and in person. Items were delivered to this address. When we got home we had found some items and returned them. Also we called creditors and some of them refunded us We didnt make these charges Discover denied the fraud and reversed all the charges with out explanation. We have contacted police but they said we had to contact the credit card We did not authorize any charges on Discover. We havent used the card since XX/XX/2023. All charges sent here to you are fraud. We have talked to the company a lot Please help us
Product: Credit reporting

I am still very confused. Between multiple dispute letters, filing complaints, and a confirmation email with document stating removals of the XXXX XXXX account from my credit report. Transunion is still reporting it! XXXX and XXXX have removed. Why is Transunion torturing me like this. I know they 're upset I complained but they would too. Can you please help me consumer finance. Do I need to come in person to file more official documents? and bring my stuff? Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN *Has not allowed me access to my monitoring XXXX. Please have them revert to only the basic XXXX. plan with no monthly charges. Tried to contact them with no solution from c/s.
Product: Debt collection

This company is violating my rights and have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report. 
I have made numerous attempts to fix these issues directly with this company, but they continue to violate my rights ; therefore, I am entitled to {$1000.00} for the violation that is listed. I am requesting that either they pay me or delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps dropping my credit score without any reported delinquent accounts. From last month to this month it dropped XXXX points. I am the consumer who originally reported Equifax and their Data Breach, in XX/XX/2017. So either one of two things could be occuring with the false credit score reporting. One it is retaliation for my reporting or two someone is abusing their authority for political purposes in credit score reporting. Either way im being negatively targeted and negatively affected by Equifax and employees. I demand immediate remedy of my credit score across the spectrum of the three bureaus and action against my perpetrators.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX XXXX XXXX account # XXXX violated my rights. 

15 U.S C 1681 section 602A 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 with out my written instructions In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX violated my rights. 

15 U.S C 1681 section 602A 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 with out my written instructions In accordance with Fair Credit Reporting act XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX violated my rights. 

15 U.S C 1681 section 602A 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 with out my written instructions
Product: Debt collection

Americollect Inc XXXX XXXX XXXX XXXX, XXXX, WI XXXX ( XXXX  XXXX XXXX XXXX ) XX/XX/2021 Re : Account # XXXX XXXX To Whom It May Concern, You are hereby notified under provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, that your services are no longer desired.

Immediately cease and desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the Attorney General of New Jersey. Civil and criminal claims will also be pursued against you and your company.

Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future.

Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law. 

It is my policy neither to recognize nor deal with collection agencies, and I will only settle this account with the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I will get an insurance quote for auto insurance my quote is extremely high. I have no traffic violations or claims. My agent informed me that it could possible be my credit score. I received my free credit report a couple of weeks ago, and notice there were many items that I never applied for. I need these accounts and items removed. 

XXXX XXXX {$0.00} XXXX XXXX   XXXX {$660.00} XXXX/XXXXXXXX   XXXX {$0.00} XXXX XXXX  XXXX {$420.00} XXXX  XXXX  XXXX {$760.00}
Product: Debt collection

They call and then call agin with different phone numbers. Sometimes same person calling, other times its different people and numbers. But asking same questions. Ive told them numerous of time to stop calling me and to take me off call list. This is not my debt.
Product: Credit reporting or other personal consumer reports

You are in violation of XXXX XXXX XXXX ( XXXX ) ( B ) and XXXX XXXX XXXX ( XXXX ) ( XXXX ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( XXXX ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to XXXX XXXX XXXX ( XXXX ) ( XXXX ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section XXXX ( a ) ( XXXX ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.
Product: Credit card

I phone to pay off a deferred interest balance and was told that they could not direct my payment, that only the minimum payment, which THEY dictate, would be applied and the rest to the remaining higher interest rate balance, EVEN THOUGH THE INTEREST DEFERRED PROMOTION EXPIRES TOMORROW, XX/XX/year>. Law specifies the payments in the last two billing cycles apply to the deferred interest balance, but Capitol One is NOT abiding by that law. It seems, in my opinion based on my experience, at the least fraudulent and misleading when pushing the interest deferred balance transfer promotion with no clear information given that one could not direct payments, that there was no way to pay off the amount if any other charges were added.
Product: Checking or savings account

My bank charged me for an amount that I was unaware of, put my account in overdraft then sold it to collections. I told both companies that I am unaware of this debt and heard nothing back. The collection agency is XXXX XXXX XXXX.
Product: Debt collection

I set up a payment arrangement online to this company and pay weekly. They wont stop sending threatening letters even after paying weekly.
Product: Credit reporting, credit repair services, 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. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$9300.00} XXXX XXXX XXXX Balance Owed : {$0.00} BEST XXXX XXXX  XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX  XX/XX/XXXX 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 XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the above collection accounts that have appeared on my recent consumer report, obtained from Experian. The information in question pertains to accounts allegedly held by me with the listed creditors. 
I am disputing these accounts based on the following violations of the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Fair Debt Collection Practices Act ( FDCPA ) : Attached to this dispute I have my dispute letter, which clearly shows the accounts in dispute, along with all of the violations that were committed. I did not have enough space to type out all the violations here so all evidence is on the attached documents to this dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # : XXXX** XXXX** Account Type : Installment Installment Account Type - Detail : Unsecured loan - Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$670.00} {$670.00} No. of Months ( terms ) : 7 7 High Credit : {$480.00} {$670.00} Credit Limit : {$0.00} {$0.00} Past Due : {$670.00} {$670.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Charged off account Amount in high credit original charge-off amount Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX Late Payment Status : Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 2 time ( s ).
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit reporting act ( FCRA ) to reasonable reinvestigation of disputed information on my credit report, leaving inaccurate and unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify adequate consumers of dispute outcomes. These failures align with my experience, where experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing home to my credit standing. I am requesting immediate corrective action to remove or amend ALL disputed accounts, as experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

I have explained to Diversified that this debt was no longer owed because we could not turn in equipment because of natural disaster in XX/XX/2016 and all of our belongings were lost. I also explained to them that the services that were charged for 2 months after I cancelled the service the day after the flood occurred. I told them to get in touch with XXXX  and resolve this matter with them. I also requested that they do not call me any more and to discuss the matter with XXXX. I just want the harrassing calls to stop and they continue to call and be rude and hang up when you tell them the reasons and tell you that they are collecting a debt and they want their money. They use bullying tactics and threaten you to report to credit. I have disputed this matter several times with these people and get no where with them.
Product: Vehicle loan or lease

I have a XXXX XXXX XXXX financed with XXXX XXXX XXXX. I applied for a two month deferment for the months of XXXX and XXXX XXXX. The deferment was approved for those two months and the payments were added to the end of the loan. However, my credit report was not updated to reflect the deferred payments. XXXX are currently reporting Inaccurate information to XXXX, XXXX and XXXX. They are reporting XXXX and XXXX XXXX as 60 days late. Those two months were approve for deferment. 
I applied again for another two month deferment for the months of XXXX and XXXX XXXX. I was approve for that two month deferment. XXXX XXXX is reporting Inaccurately to XXXX, XXXX and XXXX they are reporting my account 60 days late for XXXX and XXXX XXXX. My credit report XXXX, XXXX and XXXX has not been updated to reflected those months of deferments. I want these 60 days lates removed from all three of my credit reports. My account became current due to the deferments that I was approved for. XXXX and XXXX XXXX XXXX and XXXX XXXX. Inaccurately reporting these months 60 days late and need to be updated as current for the deferment time. Delete this negative reporting from my XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regard to the incorrect item on my credit report. It has been over 30 days and I haven't received any investigation results.
Product: Debt or credit management

This is a time share problem. XXXX XXXX was to call me back to make payment for the maintenance fees. They were to waive late charges and any other collection fees in return for me to pay only the maintence fees. 

I am XXXX XXXX XXXX on a fixed income. This time share was high pressure sales.