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

I wrote the collection agency a letter on XX/XX/XXXX regarding an erroneous collection account they improperly placed on all XXXX  of my credit reports without properly informing me giving time to respond to the validity of the alleged debt that may does not belong to me. They have failed to provide proof of validation of the alleged debt and they updated my credit profile stating that in the answer to my original CFPB complaint that they sent me a copy of the original bill on XX/XX/XXXX, validating the debt which is false. I have not revived any communication from them once so ever regarding this mater and its been well over 30 days and counting. According to the fair credit act, they are violating my rights and I demand that this debt be deleted from all XXXX  of my credit reports immediately upon receipt of this notice.
Product: Checking or savings account

I am extremely concerned with Bank of America 's discriminatory policies directed towards members of the gun industry. These efforts create a hostile and chilling climate for the exercise of Second Amendment rights, particularly for those hoping to obtain financing for such things as home and auto purchases or running a small business. Once financial institutions take it upon themselves to set social policy that exceeds the requirements of the law, its impossible to know where they will stop or what other indicators of disfavored activity might become relevant to them. No American should be treated as a scapegoat for someone elses crimes. 

Thank you for your kind attention.
Product: Debt collection

Today I received letter from this company informing that they had received a inquiry from me concerning an account that I owed them. I made no such inquiry and I do not know them
Product: Debt collection

XX/XX/20 CAINE & WEINER COMPANY INC reported collections on my XXXX and XXXX credit report. This is for auto insurance. Amount is false, also this maybe classified incorrectly as retail.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The payment in question was made before the due date. I have attached the relevant bank statements and payment confirmation as evidence that the payment was processed on time.

Account Refinanced : The account had already been refinanced, and the late payment should not have been reported. I request that the refinance status be reflected properly in the records. This was an oversight, and I ask for this error to be corrected.

Clerical Error : It appears that there may have been a clerical error in reporting the payment. This is evidenced by the discrepancy in the payment records, and I request a thorough review to correct this inaccuracy.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

We got a letter today saying they will take money out of our bank account, but the money was taken out 2 weeks ago, without notifications. We have dealt with this company before, bad practices! They have taken over $ XXXX over the years and have not got a XXXX back.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the slience XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX presume that no proof of the alleged debt. no, nor therefore, any such that in fact exist. ( please remove this account before I see litigation for determination of character. ) XXXX XXXX XXXX balance {$140.00}.
Product: Student loan

Mohela changed platforms this summer ( 2024 ) and put many of us in mandatory administrative forbearance without any notice. This also meant that our autopay was disrupted without our awareness. I called multiple times to both Mohela and XXXX and both confirmed repeatedly that though I was put in " mandatory administrative forbearance for processing purposes '' as they moved moved to a new platform and collected documentation to support our loans on the new platform, XXXX and XXXX would still count as qualifying payments for XXXX. In addition, Mohela informed me that this was a mandatory forbearance and there was nothing I can do ( but again they assured me that if my concern is PSLF, that I should not worry because both months will count toward my qualified payment count ). However, the system continues to say to date that my XXXX and XXXX payments are marked " ineligible '' under payment status and the prompt shows Loans in non-qualifying forbearance. Even the prompt though says that administrative forbearance is eligible, and though this was the type of forbearance on my account at the time, it is still marked ineligible. In addition to all this, both entities told me at the time that because it is a mandatory admin forbearance, my interest should be {$0.00} -- then I pointed out to Mohela that my account showed that I was continued to accrue interest. In response, Mohela told me that while it will show as accruing interest now, once the forbearance is lifted and my account moved to the new platform, I would be credit back the interest as if it was at 0 % rate. None of that turned out to be true. I continue to have difficulty getting any further clarity from either Mohela ( who will no longer comment as they are no longer administering XXXX ) or FSA/StudentAid.gov. I submitted yet another case/complaint on XXXX ( Complaint case # XXXX ) more than a month ago but have not gotten any response or resolution. Meanwhile multiple areas in the StudentAid.gov site and the PSLF Certification form say on pg. XXXX ( and pg. XXXX of the old form ) eligible payment equivalents include admin forbearance and mandatory admin forbearance.
Product: Credit reporting or other personal consumer reports

XXXX Equifax, and XXXX are reporting incorrect information about accounts that have been opened up fraudulently in my name even though they have sufficient evidence showing that this is true, such as a police report.
Product: Vehicle loan or lease

Santander has failed to administer the settlement agreement in the case against 34 states for deceptive loan practices. Yesterday, XX/XX/20, they repossessed my vehicle. I am eligible for restitution under the terms of the settlement. Santander 's legal department and administrator, XXXX XXXX, is not telling their customer service agents about this settlement. Therefore the collections department repossessed my vehicle. Daily I received calls and their agents said they are unaware of the settlement. After the agent does a little research they said to contact my state attorney general. I told them I did. Santander is supposed to mail notices to consumers. I called XXXX XXXX and was told they had no database to begin administering the settlement. Santander 's website says the time frame for mailing notices to consumers that are eligible for restitution is not yet known. XXXX XXXX XXXX   XXXX I spoke to XXXX whose ID is XXXX. She was rude and asked for the notice that hasn't been mailed yet. XXXX said I need the notice or pay {$3200.00} within the next 9 days to recover my vehicle. I need my vehicle for work, which I just started one week ago. Please respond as soon as possible. Santander is doing the same as before the settlement. They are undermining the work done by the State Attorney General. What are my next steps?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, PNC BANK add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Mortgage

I filed for BK Chapter XXXX on XXXX. Eventually in my desire to keep my home I applied for loan modification with OCWEN and completed my XXXX trial payments in the amount of {$1900.00} each month on XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX respectively to be considered for HAMP. After fulfilling my XXXX trial payments & after signing the HAMP Agreement ( which I had to send back to them for them to sign as instructed ), I was instructed by one of the relationship manager from OCWEN to get a " Motion To Get Quote ( or Court ) Approval '' from my BK lawyer. I was also told that I do n't need to make any monthly payments ( for XX/XX/XXXX & XX/XX/XXXX ) and that my HAMP application will not be processed or approved until they receive the required legal paper from my BK lawyer. I was also advised that monthly payments will resume after I receive back the signed HAMP agreement. 
I was surprised for OCWEN to tell me that I still needed to pay for the months of XX/XX/XXXX and XX/XX/XXXX when I followed up the status of my modification in XX/XX/XXXX because I have not received any papers from them yet. I asked them for the transcripts of all my telephone conversations with them that occured in the month of XX/XX/XXXX to prove to them that I was told not to pay while the HAMP application is still in review but they declined to provide me the full transcript and I was told that I needed to pay for the months of XX/XX/XXXX & XX/XX/XXXX which I declined to do so pending my request 's fulfillment which is the telephone transcripts for the month of XXXX. 
I called OCWEN again in XX/XX/XXXX and I spoke with one of their employees named XXXX ID # XXXX and requested the following : XXXX. Transcript of all telephone conversations between myself and OCWEN that occured XX/XX/XXXX and XXXX. Billing statements. XXXX promised me that billing statements will be sent to me as well as the telephone transcripts requested in a couple of days. 
It 's been almost XXXX weeks now and I have not received any billing statements from OCWEN since the approval of my HAMP and I have not received the telephone transcripts that I requested. 
Also for your information, I have not received any decision yet from the BK court for my BK application up to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

XX/XX/XXXX current balance amount is {$1000.00}. Citibank closed my account around XX/XX/XXXX and I still havent received my current balance left in my checking account. They keep stalling the process and keep telling me to check back in XXXX business days when they are going to mail my check.
Product: Credit reporting or other personal consumer reports

Due to the Equifax data breach settlement I have access to credit monitoring. I found through the credit monitoring that on XX/XX/XXXX a hard inquiry was made for a XXXX XXXXXXXX XXXX XXXX XXXX was applied for, and on XX/XX/XXXX I was alerted to identify theft when a hard inquiry for a XXXX XXXX XXXX credit card was applied for. 

I notified XXXX of this fraud and both applications were closed. XXXX refused to contact Equifax to clear these hard inquires and said I had to make a dispute of fraud directly with Equifax. I made a Equifax dispute # XXXX that was immediately denied. I called Equifax on XX/XX/XXXX and they said that XXXX must call them to remove these hard inquiries. I called XXXX and they refused to communicate with Equifax.
Product: Money transfer, virtual currency, or money service

Cash app randomly closed my account citing Your Cash App account was closed because of activity that goes against our Terms of Service. If you believe this is an error, you may be able to appeal this decision. To start your appeal, tap Contact Support below.

I firmly believe this to be in retaliation for my fraud reporting on a specific individual who is a known scammer under investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow -- up to ensure that the disputed items in my file are thoroughly removed. 

Please remove these items for they are fraudulent. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$310.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I received a check from the apartment leasing company ( the XXXX XXXX at XXXX XXXX XXXX Apartment ) and used the mobile check deposit service at Chase. That check has 4 names, and I am among one of them. The deposit went successful and I saw that sum of money on my account. However, Chase froze my account on XX/XX/2023 saying that all 4 receivers should come to Chase branch to validate their identity. Since all 4 receivers are now in XXXX, and it takes time to prepare for the XXXX, I tried an alternative way to let the issuer recall the check. The feedback from the issuer says that since the transfer has been made, they could not make recalls or disputes over that check. Unfortunately, I saw my account closed by Chase before today ( XX/XX/2023 ) without informing me, without returning my remaining funds in that account, and without letting me get access to my online statements. Chase refuse any other possible solutions except " letting all 4 receivers come to the branch '' and " allowing the check recall process ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX
Product: Vehicle loan or lease

Good morning, I currently have a Wells Fargo Auto loan. I was charged extra fees and I have had my car wrongfully reprocessed while having this loan. As I see, there is now action on Wells Fargos mistreatment of customers, I want to know how I will be repayed for all of the trouble I have gone through dealing with Wells Fargo.
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 XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Payday loan, title loan, or personal loan

After being sold on the idea of 0 % interest, then making an in-store purchase of {$660.00} to take advantage of the 0 % interest promo, we were shocked by a {$49.00} " Annual Fee '' being placed on our statement that we were not made aware of. Had we been made aware of the {$49.00} " Annual Fee '' we would have simply paid cash or used one of of our other 0 % interest cards that do not charge us ridiculous fees.
Product: Debt collection

XXXX XXXX XXXX paid debt in XXXX to collection company- I have proof Actions taken - paid debt to debt collection company 2 years ago, they are still negatively reporting on my credit, and refuse to take it off. I have called the bank, and the credit bureau. 

XXXX XXXX - paid debit in XXXX to collection company- have copies that I paid the debt. They are still reporting negatively on my credit report, and refuse to take it off. 

XXXX XXXX XXXX paid debt to debt collection company, they are still reporting negatively on my credit reports. I have called the bank, and credit bureau, both refuse to take off of my credit reports. 

If you investigate, I paid them all. I will search for the other letters.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act. The List of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 1. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : Please remove it from my credit report. 2. The following account is not mine XXXX  Account Number : XXXX Please remove it from my credit report. 3.The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 5.The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 6.The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. The following account is not mine XXXX  ( Original Creditor : XXXX ) Account Number : XXXX Please remove it from my credit report. XXXX. The following account is not mine XXXX ( XXXX XXXX : XXXX ) Account Number : XXXX Please remove it from my credit report. XXXX. The following account is not mine SXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. XXXX. The following account is not mine XXXXXXXX XXXX XXXXXXXX Account Number : XXXX / XXXX Please remove it from my credit report. XXXX. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 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 crime which antedates the report by more than seven years. 14 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.