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

Account XXXX/XXXX XXXX # XXXX shows closed date of XX/XX/XXXX and reporting 2 months of late payments after that date which can't be due to the account was closed Account XXXX/XXXX XXXX # XXXX shows closed date of XX/XX/XXXX and reporting 2 months of late payments after that date which can't be due to the account was closed. 

Account XXXX XXXX # XXXX reporting inaccurate open date of XX/XX/XXXX.
Product: Student loan

I am currently a borrower with Pennsylvania Higher Education Assistance Agency, or XXXX XXXX. I am a borrower hoping to utilize the Public Service Loan Forgiveness Program. 

My issue with XXXX XXXX is their repeated miscalculations regarding my payments toward the Public Service Loan Forgiveness Program. Nearly everytime I submit an employment certification letter, my loan calculations are incorrect, or have changed significantly. I have three examples, with documentation to show a pattern of miscalculation. 

OnXX/XX/XXXX I received a letter from XXXX showing the number of payments made toward the PSLF program. One of my loans ( loan sequence 006 of 5 loans ) had 22 payments as of the date of that letter. On XX/XX/XXXX I received a similar letter after submitting another employment certification form, for which I earned 4 more payments toward PSLF. Yet, my loan ( sequence 006 ) now showed only 15 total payments toward the PSLF program. 11 payments, which were previously counted on the XX/XX/XXXXletter were missing. I have contacted XXXX twice about these missing payments and have yet to receive an updated calculation. 

Additionally, afterXX/XX/XXXX letter the rest of my loans ( sequence XXXX ) were each missing 1 payment. According to the XX/XX/XXXX letter, three of my loans ( XXXX ) had 23 payments counted toward the PSLF program. However, as of XX/XX/XXXX each of the loans now had 26 payments counted toward the PSLF program, even though the letter was to certify 4 more payments toward the program. Loans XXXX should be at 27 payments as of XX/XX/XXXX, not 26. 

Finally, According to the letter on XX/XX/XXXX, I had an employment certification from an organization from the dates of XX/XX/XXXX - XX/XX/XXXX. This should count as 9 payments from that organization because I make payments on the XXXX of each month. Yet, the letter only counts 8 payments made toward the PSLF program. 

These three examples demonstrate a pattern of miscalculations from XXXX, all of which have served against me, and my progress toward the Public Service Loan Forgiveness. I have made repeated attempts to have these loan payments calculated correctly. At this point, there are so many issues that I think it has become difficult for the staff to remedy the situation. 

In addition to these three miscalculation examples, I still have not received payments made in XXXX and XX/XX/XXXX counted toward the PSLF program due to a retroactive in-school deferment placed on my account by XXXX XXXX. I have been waiting to have those payments counted.
Product: Checking or savings account

Claim number XXXX I am writing to express my immense frustration and concern regarding Capital One 's failure to comply with Regulation E of the Electronic Fund Transfer Act ( EFTA ) in handling a recent banking error on my account. This error has resulted in a significant financial loss for me, and despite numerous attempts to resolve the issue, Capital One has not provided a timely provisional credit, as required by law. THERE HAS BEEN AN ERROR WITH CAPITAL ONE OR APPLE PAY AND CAPITAL ONE IS CLAIMING THAT THERE COMPANY POLICY IS ABOVE REGULATION E IM DEMANDING A PROPER INVESTIGATION AND A PROPER REFUND ON A REG E SCHEDULE Regulation E of the EFTA mandates that financial institutions provide provisional credit to customers within a certain timeframe while investigating unauthorized transactions or errors. This provision is designed to protect consumers from financial losses and to ensure that they have access to their funds during the investigation process. However, Capital One has not adhered to this regulation, leaving me without access to my funds and causing considerable inconvenience and distress.

Furthermore, I have discovered that Capital One has been involved in numerous cases and settlements related to violations of consumer protection laws, including the failure to provide provisional credits in accordance with Regulation E. This track record of noncompliance is unacceptable and has caused significant financial and emotional harm to many of your customers, including myself.

I demand that Capital One immediately take the following actions : 1. Conduct a thorough investigation into the banking error on my account and provide a provisional credit for the disputed amount within the required timeframe as outlined in Regulation E of the EFTA.

2. Review and update your policies and procedures to ensure full compliance with Regulation E of the EFTA , as well as any other applicable consumer protection laws.

3. Provide detailed information on the steps Capital One will take to prevent future banking errors and to ensure that provisional credits are promptly and accurately provided to customers affected by such errors.

4. Issue a public statement acknowledging the bank 's failure to comply with regulations and outlining the steps being taken to rectify the situation and prevent future occurrences.

Please be advised that I will be closely monitoring this situation and will not hesitate to take further action if necessary, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau and pursuing legal remedies. I trust that Capital One will take this matter seriously and act swiftly to rectify the situation and restore my confidence in your institution. 

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

A fraudulent payday loan was made in my name. I became aware of the issue on XX/XX/2023. I received a letter from XXXX XXXX about debt collection. The company name is XXXX. I reported that this was identity theft/fraud to them as well as XXXX, equifax, and XXXX. I have put a freeze on my credit with all three reporting agencies. 
When I checked my credit report this shows as a bad debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove collections and charge offs from my report. XXXX. XXXX XXXX, and XXXX XXXX. This has caused me financial hardship and embarrassment. This matter is involved in litigation. I never gave anyone permission to sell my information. If this issue is not solved appropriately I am getting an lawyer to sue. 

Please be aware when handling this matter. 
15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft.

There was also no Permissible purpose for Account # XXXX and Account # XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft. 

According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. 

XXXX, XXXX, Experian and XXXX " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.

These companies have all violated either of the two which both constitute identify theft.

I have contacted the Attorney General 's Office, XXXX, FTC and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I demand Account # XXXX and Account # XXXX to be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.
Product: Payday loan, title loan, personal loan, or advance loan

I bought a perfume from XXXX and returned it in store the next day because I didnt like it. XXXX was supposed to refund me the {$16.00} I had already paid when I bought the perfume. I got my refund from XXXX and reported the return to afterpay. I heard nothing about it from XXXX so it slipped my mind until today when they suddenly charged me {$16.00} twice, so {$32.00} in total. I had returned the perfume weeks prior to this so Im not sure why they charged me two times for something I dont even have in my possession anymore. Also the order itself on the XXXX app says that payments for the perfume are paused until XX/XX/XXXX because I made the return which makes XXXX sense because again, they took the {$32.00} from me TODAY.
Product: Payday loan, title loan, or personal loan

LoanMart has been calling me back to back several times a day harassing and threatening me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$970.00}, XXXX XXXX XXXX {$880.00}, XXXX XXXX XXXX {$2600.00} Debt can not be collected twice ; settled with original creditor ... unlawful and disgusting ... 
Original creditor has stated that they did not verify, and that they have it on record that my insurance carrier paid all XXXX accounts ... so why do you still report these? 


... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow. 
Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting or other personal consumer reports

According to 15 USC 161a2 these companies XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX XXXX. No name is even provided for this company XXXX # XXXX XXXX these companies are in violation of my rights pursuant to 18 USC 8 , I owe no debt these companies are in violation of my consumer rights to privacy pursuant 15 USC 1681 b 2, company 's also has no permission to report anything using my information pursuant to 15 USC 1681 4. I did not give written nor verbal permission to have these accounts furnished on my credit report as also I am a victim of identity theft I'm attaching documents
Product: Credit reporting or other personal consumer reports

Experian, XXXX, XXXX need to remove late payment from XXXX XX/XX/23 XX/XX/23 15 U.S. Code 1666b
Product: Credit reporting or other personal consumer reports

I do not know this company and they are reporting a delinquent account that is greatly affecting my credit score. They update the balance to be higher, they are marking the account as closed and reopening it, they are marking it as " charged off '' and then reopening. I have never used this company for anything, they don't have a website or email. 

Here is a copy of the certified letter I sent to the company. 

" XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XX/XX/year> XXXX XXXX SSTXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO, XXXX ( XXXX ) XXXX Re : Request for Debt Validation - [ Account Number or Reference Number ] Dear Sir/Madam, I am writing to request validation of the debt you claim I owe. Under the **Fair Debt Collection Practices Act ( FDCPA ) **, I request that you provide verification of the debt, including : 1. The **amount of the debt**.

2. The **original creditors name**.

3. Proof that you have the **legal right** to collect this debt. 
4. A breakdown of the debt, including any interest, fees, or charges added. 

Please provide me with this information in writing. Until I receive the requested validation, I do not acknowledge this debt and request that you cease further collection activities. 


Sincerely, XXXX XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company for the information to be removed from the XXXX since it was inaccurate information.
Product: Payday loan, title loan, or personal loan

Please note the application for credit was applied for by the salesman. The salesman explains the terms as you will have to pay an initial amount upfront and then you will have five additional payments which will be auto drafted. He asks you a series of personal questions and puts the information in the system and then tells you the amount you have been approved for. I did not receive any type of paperwork with actual terms listed before the transaction. All I had to stand on was the words of the salesman. After the transaction you are given your receipt. 

Later after calling Tempoe , LLC is when I found out the terms were on the receipt. It still does not rectify the fact the actual terms are not received until after the transaction. **Note : the terms explained by the salesman were in the top of the receipt but in smaller print on the receipt were the terms regarding a lease. ** I argued I did not owe any additional payments and became so frustrated I told the representative, you do not have permission to withdraw any additional payments from my account. I stated consider this contract null and void. I also told her I would return the merchandise. 

When I tried to return the merchandise to XXXX they stated it was not theirs and I could not leave it with them. Therefore, I called Tempoe , LLC and asked them to come get their merchandise. I did not receive any additional communications from them but a few days ago I was contacted by a debt collector ( XXXX XXXX XXXX ). 

**The organization acted deceptively, with misleading conduct and false representations. ** Lead to believe payments made are going to the purchase of the item. Instead you find out after the fact you are leasing rather than purchasing. This violates the truth in lending act ( TILA ) know before you owe ( KBYO ). The company has become known for its inconsistent and predatory lending practices. 

Requires disclosure in the cost of credit. Must receive in writing the finance charge and APR. Would not allow return of the property. Creates a cycle of continuous debt and refinancing which is illegal in the state of Georgia.
Product: Debt collection

There is a debt from XXXX XXXX with this company. I have contacted them I was able to pay at that time but they declined to take a debit card payment for the total amount due that day. I felt uncomfortable that the company may not be legitimate as it seemed suspicious a collection company is not able to accept a debit card payment to resolve a debt in full so I told them I would research them and make sure this isn't a scam. I have not reached back out yet. However, Credence is calling me about daily multiple times a day to my cell phone which I do know is legal. However, today XX/XX/2023 I received a call to my cellphone while I was working so I sent it to voicemail to not interrupt my work and credence immediately called back in less than a minute from the call I originally rejected. Now I am at fault for my debt however I will not accept being harassed and being repeated called when I am unavailable. I know hanging up and redialing in minutes is against collections regulations and I would like to report this behavior and make sure it is put to a stop. 
Company - credence XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair Reporting act XXXX  account # XXXX XXXX  XXXX has violated my rights.Account # XXXX XXXX 15 U.S.C 1681 section 602 A states i have the rights 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

I am writing to address several issues with the credit bureau, including incorrect account listings, an unfamiliar collection, unauthorized inquiries, inaccurate reporting, and billing errors. I seek your assistance in resolving these matters to protect my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY.. DELETE XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

North American   XXXX   XXXX  has been reporting their own estimation regarding  XXXX  closed accounts. I have contacted them and they agree that those accounts have been settled and closed. The accounts appear closed for a few days then they reappear on the call report. I have a made more tha n 20 phone calls to North America and  their answer is it takes time. These debts were settled more than 120 days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the XXXX security breach. Not only is Transunion making it almost impossible to actually freeze my credit they are instead encouraging me to purchase their identity protection. It is bad enough I am going to have to pay for a credit freeze, but I have to jump though many hoops to do it. Freezing your credit should be basic and free considering you are forced into this system of having credit to pass a background check or purchase a home or car. Thank you for taking the time to read this complaint.
Product: Credit reporting or other personal consumer reports

The hard inquires on my credit report are NOT authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  They are not authorized, no permissible purpose or other reason. 
18 USC 1028A Producing without lawful authority an identification document or a false identification document.
Product: Credit card

On XX/XX/XXXX I was alerted to unauthorized activity in my account. I then noticed a wells Fargo XXXX XXXX  XXXX was added to my account that I didn't authorize or apply for. I reported it immediately over the phone and in person at the XXXX mn bank. 
I was told by personal banker XXXX XXXX XXXX not to report it to the police. A few days later I noticed a charge of {$1000.00} and I immediately went back to my XXXX branch to report it as well as numerous phone calls to wells Fargo. Over the course of the next 3 months wells Fargo continuously told me lies and falsehoods about my situation. Wells fargo took the application with fraudulent information and limited personal information like my address and home phone number and approved it without my authorization or knowledge. They wouldn't help me and in fact took this fraudulent XXXX reintroducing it into my account XXXX separate times with XXXX separate numbers. I didn't know who to turn for help after they tried to get me to pay interest on the fraudulent card. The person they assigned to my case XXXX XXXX lied about my situation to me and complaints about the lies went unanswered over and over. Nothing I did or said made any difference to Wells Fargo so I finally closed my checking and saving accounts after decades of doing banking. On XX/XX/XXXX I finally had enough of wells Fargos fraud and corruption towards me and filed a police report to get wells Fargo to quit committing the fraud they kept perpetrating on myself. I'm not entirely sure but an employee might have committed this act since I read numerous articles describing the kind of corruption and fraud I experienced with Wells Fargo. Wells Fargo could have been a hero in this situation but they turned into the villains siding with the Scammers over me the Customer.
Product: Debt collection

I am writing to formally express my concern and dissatisfaction regarding fraudulent activity on my XXXX XXXX account. Despite my efforts to ensure the security of my account, I have noticed unauthorized transactions that I did not make, approve, or authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a vehicle financed through Santander in XX/XX/XXXX. Santander charged the vehicle off as bad debt in XX/XX/XXXX and wrote it off in taxes as bad debt. Therefore, they received a XXXX as income. They are still reporting a balance and trying to collect for it after writing it off. The vehicle was totaled and XXXX XXXX paid Santander {$5200.00} in the total loss settlement and Santander released the lien and turned it over to XXXX XXXX. XXXX XXXX now owns the title and the vehicle. Yet Santander is still reporting an owed balance on my credit report and will not remove it and told me I would still have to pay {$9000.00} in balance for something they wrote off on taxes and collected from the insurance company.