23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writting to report multiple violations to my rights as a consumer. I tried to solve this matter with Bank of America the past, but they have failed to give me a fair solution to my issue. I have a Bank of Americar account, America XXXX. Opened : XX/XX/XXXX. Limit : {$3600.00}. Balance {$0.00}. Status : Closed. Bank of America has been reporting incorrect information to the credit bureaus. 

This company has failed have failed to provide me with an answer to my letter sent back on XXXX XX/XX/XXXX. They did not listen to my demand and the did not even acknowledge my time spent in sending this correspondance to them. As of today, the account is not under investigation since they did not remarked it as disputed. This is a violation to the FCRA.

They are being Unfair and Negligent. They are also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. This account is related to fraud and they are still reporting it. 

This is affecting me physically and mentally and I want a fair solution to this issue. I am demanding a deletion letter from Bank of America and I want them to stop collection activity on this account. If they dont provide me with the deletion letter that I am demanding, I will not hessitate taking this to a court so a judge decides. I am sure that when I sat down with my attorneys the list of violations will go up.

Thanks to whomever reads my complaint. See attached documents sent to Bank of America, which they ignored.
Product: Credit reporting or other personal consumer reports

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 UNAUTHORIZED INQUIRIES : TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Have a letter fron Discover Bank saying the account is closed. Yet I still receive e-mails with various transactions ex post facto. The latest a payment/credit of {$4.00}. Will the CFPB get off its seated parts and ensure the account to be closed and these patently phony transactions cease. Just another brick in the evidentiary wall of Discover Bank silly infantile incompetence. Bye the bye it proves and reinforces ALL the previous compaints which were NEVER properly resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy on my credit report that should not be reporting. My credit report has a bankruptcy listed by the US bankruptcy court. I reached out to the US bankruptcy court to verify that they reported a bankruptcy and received a letter stating that they do not give any information to anyone including credit bureaus. The US bankruptcy court is the only ones that can verify such account other than me. There the credit bureaus are in violation of the FCRA and is reporting misleading and inaccurate information. If this alleged bankruptcy is to be continued to be reported I need physical validation Sent to me in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Bankruptcy XXXX  XXXX Date Filed XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Bankruptcy XXXX  XXXX Date Filed XX/XX/XXXX Reference # : XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Affirm, Inc. regarding fraudulent charges on my legitimate Affirm account. I have reported these unauthorized charges as identity theft and provided Affirm with supporting documentation, including a police report, FTC Identity Theft Report, and Identity Theft Affidavit. However, Affirm has failed to remove these fraudulent charges, violating FCRA and Metro 2 compliance. 

Fraudulent Charge Details : Company : Affirm , Inc . 

Account Number : XXXX Date Opened : XX/XX/XXXX Legitimate Account Status : Active Fraudulent Charges : {$200.00} ( as of XX/XX/XXXX ) Last Payment Date : XX/XX/XXXX Legal Violations : FCRA ( 15 U.S.C. 1681s-2, 1681i, 1681b ) Affirm is failing to investigate and correct fraudulent charges. 

Metro 2 Compliance Affirm must report only accurate data.

Georgia Fair Business Practices Act ( O.C.G.A. 10-1-393, 16-9-121 ) Failing to correct fraudulent transactions violates consumer protection laws.
Product: Credit reporting or other personal consumer reports

According to my records, this account has been closed ; however, it is being reported as open and continues to accrue late payments and interest. This is a clear violation of federal laws governing accurate credit reporting and account servicing. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to ensure that information provided to consumer reporting agencies is accurate and complete. Reporting an account as both closed and open is materially misleading and damages my creditworthiness.

Additionally, under the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), creditors are prohibited from applying unauthorized fees or interest charges to accounts that are no longer active or owed. If this account was closed, no further interest or late payment penalties should accrue.
Product: Credit reporting or other personal consumer reports

I checked my report for the new year and noticed unauthorized and fraudulent accounts. These accounts are affecting my credit score in the worst way possible. I am unable to get approved for an apartment and a vehicle along with many other things. Please for the love of XXXX have these accounts removed so I can reach my credit goals.
Product: Credit card or prepaid card

I submitted a CFPB complaint about this issue ( complaint XXXX ) to which the company responded and the CFPB allowed to be closed. On XX/XX/XXXX I sent, and EXETER FINANCE received, an Affidavit of Truth, Debt Validation Letter pursuant to 15 USC 1692g, a Cease and Desist Letter and Exhibits displaying only a few of their violations. EXETER FINANCE failed to provide a wet ink contract and an Audit Trail according to GAAP standards that I requested. EXETER FINANCE violated the Cease and Desist letter by calling my telephone and leaving messages : XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX at XXXX ( XXXX XXXX XXXX, and sent postcards, and mail with consumer rights violations to my personal address. They continue to furnish deceptive documents, report false information to credit reporting agencies and use my personal information unauthorizedly. I filed an Identity Theft Report to the FTC # XXXX. I humbly ask that the CFPB help me to enforce against this company for its blatant disregard for federal law and outright breaking of the law. I have attached proof of their receipt and proof of their breaking federal laws, and breaking the Cease and Desist. This company is causing me a great deal of stress mental anguish, through their deception, theft and failure to remedy this issue. This situation is costing me valuable time, money and affecting both my children and I greatly. Please help. Thank you.
Product: Debt collection

Midland is saying they cant do anything with my account because of this XXXX XXXX And XXXX owns the account. Now i will be using all this in court. Midland said they cant help me because they own the account now XXXX is saying they dont own the account so your both stealing is what your saying. The debt was XXXX i paid XXXX its not my fault your two companies didnt communicate so why was XXXX taken from me.
Product: Credit reporting or other personal consumer reports

I've noticed that it's accounts that I have no knowledge of on my consumer report as a result this issue is hindering me from obtaining credit account 1 XXXXXXXX XXXX  XXXX account 2 XXXX XXXX these accounts I do not recognize please remove
Product: Mortgage

53 Bank went to auto debit my monthly payment on XX/XX/XXXX as usual. However they added lender forced insurance. The payment was denied because it was more than the normal principal and interest payment amount. I have had this mortgage for almost 7 years and have never been late once. Since XX/XX/XXXX, I have made numerous attempts to rectify this issue and make my normal principal and interest payment. I have had my insurance carrier reach out to 53 Bank and assure them that there has never been a gap in coverage. Numerous call have been made to 53 Bank, yet each department tells me I need to go to a different dept, such as collections. However Collections tells me that I am required to make a payment that includes this extra {$800.00} dollars. Which I am not comfortable doing, as 53 Bank has made an error and should have never places Lender Forced Insurance to begin with. 

I feel I am being taken advantage of and don't feel I should be in default on a mortgage, as I have made more than a reasonable numbers of attempts to pay my normal monthly mortgage principal and interest payment. 53 Bank 's internal loan servicing is the worst I have ever experienced as a borrower.

Bottom line, I want to make my payment. I should not be required to pay lender placed insurance, as there has never been a gap in coverage. 53 Bank is not working with me. And now I have late payments and could receive a ding on my credit report for the reporting bad info to the credit bureaus.
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to XXXX, XXXX and XXXX. I have circled the items I dispute on the attached copy of my credit report ( XXXX ). 

This item MIDLAND CREDIT MANAGEMENT INC # XXXX is inaccurate because in account is no longer open or active. I am requesting that MIDLAND CREDIT MANAGEMENT INC have the item removed.

Enclosed are copies of my credit reports supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( s ) as soon as possible. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my first requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX  XXXX. Account # : XXXX XXXX XXXXXXXX XXXX XXXX  : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> purchased weed whip, mums, recycle bags clerk urged me to get {$50.00} off by opening new credit card. I was led to customer service counter. Presented my current drivers license. The clerk was multi tasking with phone and other customers during transaction. He used his computer said sign here I signed and went to complete sale at cash register. I waited for bill as expected it did not come. But on XX/XX/year> I received a letter saying there was undeliverable items. I called Home Depot about it the woman said card was returned. Never mentioning the address was one of 20 years ago. How did I receive this letter but not the bill or credit card. I assumed she fixed the problem she cancelled the card she said At time I had another Home Depot card I was paying off and I fact did a few months later I assumed the amount was transferred to this account. When applying for a home loan last year I discovered there was a delinquency on my account. 
After numerous phone calls to city bank and Home Depot and the credit collector it took me figuring out that the clerk opening the card had put my 30 year old address on the account opened in XX/XX/year>. 
All the correspondence had been going there the amount owed was not transferred to the other card. I never received the bill due yo wrong address. 
I have appealed to Home Depot numerous times. 
I have settled with collector for much more than the original purchase would have been had i not accepted the promotion. 
How could I get a letter addressed to my XXXX  address stating they had returned mail. Yet they did not notice the billing of that card was an old XXXX  address. 
Even the collectors had the old address in XXXX. 
I would like my credit report delinquency on this issue removed. It was their clerks fault he picked up my wrong address I called did all the right things. But they never caught it. 
Until I figured this out. 
If you look at my credit report you will see I have no other delinquencies and have far more items paid than the small sum that was charged. I pay my bills. Someone please put two and two together and see this was a clerk error. A customer service error when I proactively called in XX/XX/year>. I have the letter received still from XXXX. They had my proper address on the notice of return mail. But neglected to see the new account was opened with my XXXX  address of 20 years ago. Hence all correspondence was still going there. 
Thank you.
Product: Credit reporting or other personal consumer reports

CREDIT BUREAU : TRANS UNION/ TRANS UNION LLC FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX XXXX TRANS UNION/ TRANS UNION LLC IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD XXXX  DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. XXXX AND XXXX HAVE REMOVED THESE FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT FOR OVER XXXX  YEAR. NO ACCOUNTS HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVED. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING TRANS UNION/ TRANS UNION LLCTO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. TRANS UNION/ TRANS UNION LLC HAS 4 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. IF TRANS UNION/ TRANS UNION LLC DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. TRANS UNION/ TRANS UNION LLC XXXX XXXX. XXXX XXXX XXXX, XXXX, Illinois XXXX. In connection with the XXXX Change in Control Transaction, we entered into a registration rights agreement ( the Registration Rights Agreement ) with certain affiliates of the Sponsors and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the Sponsors and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. I WILL BE FILING FORM XXXX TREASURY XXXX FORMS TO AUDIT CONSUMERS ACCOUNT. TRANS UNION/ TRANS UNION LLC IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Product: Student loan

I made payments towards my student loan balance during the pandemic freeze. I requested a refund from Mohela in XXXX of XXXX for the payments made during the pandemic. I called on XX/XX/XXXX and was told by Mohela that the request was submitted on XX/XX/XXXX. I was told it would take XXXX weeks to get a refund in the mail. They never send me any information regarding the application I submitted over the phone requesting the refund or any paperwork to show that they filed my request. It's been over 7 months now and I have not received a refund check in the mail from Mohela. I called Mohela last in XX/XX/XXXX ( on XX/XX/XXXX ) and was told they could not find anything regarding a refund check and that they could not tell if it was processed and sent. I received a follow up call from a Mohela supervisor in the following week. The supervisor was unable to provide any updates or answers. Instead, I was told a new request will be submitted. I called Mohela again last month ( XX/XX/XXXX ) and each time I was on the phone for over XXXX hours just to be informed that they need to do more investigation. This is their routine every time I call- The first representative to answer always states they are in training and can not provide any answers and would transfer my call to an advance agent in which I have to be on hold for hours for nothing. Mohela was quick to add the {$21000.00} back to my student loan balance in XXXX of XXXX ( on XX/XX/XXXX per Mohela rep ) but they never issued me a refund check. I am currently paying interest on the {$21000.00} added to my account without ever receiving the refund. I would like assistance resolving this issue as it is a nightmare getting any answer from Mohela and a nightmare getting anyone on the phone. They are deflecting all calls and can not provide any updates or answers. I also filed the following complaint with the XXXX XXXX XXXX against Mohela.