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

XXXX has provided inaccurate, false and misleading information and representation pursuant to 15 U.S.C. 1692e where it clearly written that a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt and involves an attorney on behalf of XXXXXXXX XXXX XXXX XXXX XXXX who committed criminal conduct with representing his client and fraudulently acting as a debt collector by injuring his client. Without limiting the general application of the foregoing, the following conduct is a violation of this section. There was never a child support debt and once those fictitious debt were disputed they were deleted because debts dont exist otherwise XXXX would had to validate the debt by producing the contract pursuant to 15 U.S.C . 1692g- validation for debts. XXXX aided and abetting with a criminal organization known as XXXX XXXX XXXX for gain of profits which constitutes that XXXX is not only a financial institution but violates the fdic and ftc rules and guidelines which involves identity theft for altering and selling the social security , card, name and account number. XXXX did not obtain written consent from the consumer pursuant to 15 U.S.C. 1681b-permissble purposes for consumer report which violates 15 U.S.C. 1681c-2-Block of information resulting from identity theft, responsibilities of furnishers of information to consumer reporting agencies pursuant to 15 U.S.C . 1681s-2 which also violates fcra and fdcpa rules and regulations. XXXX has neverproduced any contracts which validates any debts nor do they have permission from the consumer to report any debts. All reports made regarding consumer reports including fraudulent debts, names and addresses are to be cleared immediately from the consumer report and XXXX are in violation of 15 U.S.C. 1681n-Civil liability for willful noncompliance, 15 U.S.C. 1681o-civil liability for negligent noncompliance, 15 U.S.C. 1611-criminal liability for willful and knowing violation, 15 U.S.C. 1692k-civil liability, 15 U.S.C. 1640-civil liability and violation of 15 U.S.C. 1601-truth in lending act. Employees of DHS CSS and Consumer Reporting Agencies will be held accountable for criminal conduct and misconduct. They've violated 18 U.S.C. 1001-falsied information and concealment, 18 U.S.C. 1038-falsifeid information regarding a hoax and 15 U.S.C. 52-dissemination of falsified information
Product: Student loan

FORGIVENESS TIMELINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Everything before the year XXXX was forgiven XX/XX/XXXX Consolidation application by MOHELA MOHELA Consolidated all loans XX/XX/XXXX {$30000.00} XXXX XXXX, XXXX MOHELA receives my payment of {$23000.00} XX/XX/XXXX Letter from MOHELA saying XXXX loans are forgiven, apologies for the delay in reporting XX/XX/XXXX MOHELA emails, a new loan appeared and is already accruing interest. MOHELA emailed me saying that I now owe {$7300.00} plus {$20.00} in interest. 

XX/XX/XXXX I called Studentaid.gov and the XXXX says there is no debt remaining. 
I begin the complaint process through Studentaid.gov and my state ombudsman. 

XX/XX/XXXX The remaining debt appears on Studentaid.gov. There is no information presented to me on the websites showing where this student debt came from. 
Called STUDENTAID and spoke with XXXX. {$7300.00} is XXXX loan. Doesnt know why MOHELA didnt list the amount. 
She advised me to contact MOHELA and ask for money back in the hope that the loans will be forgiven in XXXX  years. 

Begin the process of trying to communicate with MOHELA. XXXX to XXXX hour waiting times on the phone, can't manage it. Try several times without success in reaching a XXXX. 

XX/XX/XXXX Submit the SAVE application for the second time ( the original SAVE plan application was submitted on XX/XX/XXXX ). 

Discover that MOHELA will not accept applications via online portal or fax, only by mail. No communication saying my application was not accepted via the studentaid.gov portal. XXXX communication from MOHELA. 

On XX/XX/XXXX, {$60.00} taken from my bank account. No warning by email, text, or mail by MOHELA, even though they have all these XXXX forms of contact information for me. Recived an email XXXX days later saying a scheduled payment is due soon! They already took my money. 

MOHELA has made several well-planned mistakes to prevent me from receiving XXXX 's forgiveness of my loans, paying {$23000.00} on my loans to have them dissolved completely ( this was my entire life savings ), and then 'finding ' {$7000.00} more and not communicating with me where these loans came from. I spoke to XXXX different MOHELA CSRs by phone, asking each if my loans were gone after making that large deposit. Each said congratulations, your loans have been paid in full! MOHELA is purposefully preventing me form honestly paying my loans off and receiving the loan forgiveness I was promised by the XXXX administration. 

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

N accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A sates i have right to privacy.

15 U.S.C 1681 section 604 A section 2 also states consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor may not treat a payment on a credit card account an open-end consumer credit plan as a late for any reason
Product: Debt collection

I disputed this from my credit report and won the dispute because the debt is not mine. It was purchased. This company has since put another debt collection on my credit after I already filed a dispute and won.
Product: Credit card or prepaid card

XXXX - complaints - Is Closed but not resolved. 

I am filing a complaint with Consumer Protection Bureau against Capital One and XXXX. I didn't authorized this {$50.00} charges and when I first bought the one year subscription I did it using Capital One XXXX application, so I don't know how XXXX got my credit card Information. It looks like Capital One is selling customers Information. I contacted Capital One to dispute the charged but they told me that XXXX is a preferer merchant, that they can get my information even if I don't authorized it. Attached are all the documentation that I had tried to fix the issue with Capital One and XXXX. Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject XXXX Formal Dispute of Inaccurate Payment History and Delinquent Information Dear XXXX XXXX XXXX Department XXXX XXXX am writing to formally dispute inaccurate and misleading information reported on my XXXX XXXX account, which appears on my credit report. The disputed information pertains toAccount Number : XXXX ], and includes incorrect payment history and delinquency records. 

Upon reviewing my credit report from [ Credit Bureau ( s ) Equifax, XXXX, and/or XXXX ], I noticed the following errors : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Of negative payment history. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), furnishers of credit information are required to report accurate and complete information. Additionally, under 15 U.S.C. 1681i, I have the right to dispute inaccurate information, and XXXX XXXX is obligated to conduct a reasonable investigation. If the information is found to be inaccurate or unverifiable, it must be corrected or removed. 

To support my dispute, I have attached the following : A copy of your credit report with the disputed items highlighted. 

I request that XXXX XXXX : XXXX. Conduct a thorough investigation into this matter.

2. Provide me with documentation verifying the accuracy of the reported information.

3. Correct or remove the inaccurate information from my credit report if it can not be verified.

Failure to comply with the FCRAs accuracy requirements may result in legal consequences, including liability for damages under 15 U.S.C. 1681n and 1681o. I request a written response within 30 days of receipt of this letter, as required by law.

Please address this matter promptly and confirm the resolution in writing. If you need additional information, you may contact me at the phone number or email address provided above. 

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

I SEND MORE THAN 5 DISPUTES LETTERS TO ALL 3 BUREAUS ( EXPERIAN, XXXX, XXXX ) AND A REPORT OF IDENTITY THEFT SINCE XX/XX/2022 THAT OVER 30 DAYS PASSED, THEY NEVER LIST THEM AS DISPUTES. 
I ALSO SEND 5 COMPLAINT LETTERS ON XX/XX/2022, THEY STILL HAVE NOT RESPONDED.

The

credit bureaus have to inquire why my letters are unaddressed within 30 days. CFPB has to contacts those credit bureaus to show the investigation that shows that the process was not completed within 30 days. CFPB has to require that the credit bureaus remove the negative items from my credit reports
.
Product: Bank account or service

I signed up for a free checking program with Bank of America. At the time I set up my account, the checking program was completely free and the only requirement was to set up an automatic transfer into savings of at least {$25.00} XXXX time per month. In XXXX of 2012, when I attempted to log-in to my online account a page was presented by BofA asking me to verify my personal information such as name, address, DOB, SSN, Driver 's License #, etc. I was uncomfortable providing the information, so I called the customer service phone number on the back of my ATM card. The agent I spoke with at BofA told me to go ahead and complete the information. She explained to me that from time-to-time they require updates to account information. So I did. A few days later, I was contacted by B of A because they were aware my account was compromised - a potential fraud event is what they said. They said I needed to close down my accounts and set up new accounts, new checks, new ATM card, etc. So I did this. At that time, I was told by B of A that they no longer had a free checking program available and I would be required to pay for my service. I spoke with someone who was an Executive Assistant to some VP at the company and she said she would waive the fee 's to ensure I was able to still keep my free checking program. Now, years later, I got billed in XXXX for account fees of {$12.00}. I called B of A and explained what had happened and the agent I was speaking with could not assist so I asked to have a message sent to someone to escalate my complaint. I got a phone call today from someone who told me they could waive my fee for 2 months, but then I would be required to pay the fees monthly. At this time, I am suspicious of the 'fraud ' event that B of A knew about. I 'm not sure how they would know I had put all the information in my computer if they had not set this up themselves to generate a false fraud event so they could close out my free checking account and put me into a paid account. But even if the breach of my data is legitimate, I signed up for a free checking program and due to the incorrect information I was provided by the B of A phone agent, I was put in a position that caused me to lose my free checking program and I do not believe this is fair to me, the consumer. I should be grandfathered in ( indefinitely ) to the free checking program I originally enrolled in which had no restrictions and no expiration date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I agreed to a settlement for XXXX and Tidewater Financial Company. I paid the amount which was offered.. The company is still showing on my credit as delinquent and late payment which is incorrect and is affecting my credit score. I need the correct information to be reported to the Credit Bureau.
Product: Credit reporting or other personal consumer reports

There are four companies on my credit report XXXX XXXX XXXX XXXX a collection agency representing XXXX XXXX XXXX XXXX XXXX and theres a collection agency representing T-Mobile on my credit report. These companies have already received proceeds for these accounts which these accounts has already been satisfactory and paid for and these accounts are remaining on my credit report trying to milk me for more money. I am filing this report. These companies are now committing Deceptive acts they have received proceeds for these accounts and they are still trying to milk me for money. I am filing this report so that I can send this report number to XXXX and XXXX to so that these merchants will not ever be able to have access to my credit report again.
Product: Mortgage

We can not get a payoff statement from Seterus. In the middle of closing our original lender sold our mortgage. Seterus ( with both myself and the attorney on the line ) admitted they should have sent us a welcome packet but they could not confirm they sent a welcome package. We never received a welcome package and had no knowledge the mortgage was owned by Seterus until XXXX XXXX. The closing was set for XXXX XXXX. On XXXX XXXX with the buyers attorney on the phone with me we requested another pay off statement only to be told the wait was at XXXX business days. The agent hung up on us and was yelling at us on the phone. We called back and the agent put a rush and apologized for the previous experience with the agent hanging up on us. She informed us we would receive the payoff yesterday so we could close. This took over XXXX hours on the phone and numerous times being on hold. The letter was never faxed. At the closing we were told it would definitely come tomorrow which is today XXXX. I called first thing this am and I was told it would definitely come today. It never came and at XXXX I called again and the woman told me they gave me wrong information and it should come by the end of next week. Should not would. She also stated again it 's 10 business days to get a payoff statement. I told her it takes XXXX minutes to send a fax. I was on the phone and again put on hold for XXXX minutes. Again the agent hung up on me and said there was nothing she could do. I informed the agent the buyer s mortgage commitment was going to expire by Monday. I also informed the person on the phone as well as the previous person on the phone that we have a special needs child who is medically fragile and I could provide medical documentation and would fax it over. I told them we are staying at a hotel and this is not good for my son 's condition and could someone please help us. I again told them I could provide documentation and would fax it right over to them. I was told I do not qualify for a rush because I am not in a short sale and not in foreclosure. I started to cry and said there must be something someone can do. Every time I called I was n't even allowed to speak to someone in payoffs. Every time I call it 's a different answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished XXXX XXXX   regrading all personal information of mine.

This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.

My information is clearly shown below :
Product: Debt collection

I have a account Im collections on my credit profile showing ( XXXX XXXX and Penn Credit Corp ) not liable for and also keep getting phone calls from but I dont answer.
Product: Consumer Loan

I have made XXXX payments on this account and they have only posted 1 to my account. i have sent them bank statements showing payments coming from account and they still continue to harrass me for payment and say i am 3 months behind. I am 3 months AHEAD but they post to wrong customer & I get harrassed and threatened with collections. Their CSR response and assistance is horrble. They do not follow up, do not acknowledge bank statements faxed to them and do n't work on resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into the XXXXXXXX XXXX XXXXXXXX store in XX/XX/2019 and applied for an installment loan related to a product I had purchased. I had the supervisor and what appeared to be a new employee both fill out and application for me and I was given no information about the loan before I left just that it was accepted and the product would be delivered by the end of the week. A month goes past and I begin to receive phone calls/texts that my account was in default although I had never received any information via phone or via mail about my account number/first payment. I was able to contact a customer representative who opened a new account for me and provided me with all my information as she stated the initial account contract was written incorrectly. Since then I have paid off the correct second account, but the initial account that was written incorrectly and should have been closed per the customer representative was never closed and I continued to be harassed for payments. Every phone call I have had with them was one where I had to reexplain the situation and they would proceed to review the report and see that a no call status was on my profile, but I continued to receive call requesting payment. Since then I have also been charged extra for the account that I did pay off and was closed. My credit report/score has had incorrect information on it and been lowered due to this information. I am able to provide additional dates as well as chat logs/phone logs of when I contacted/was contacted by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

discover is not honoring 10 % cash back on XXXX purchases
Product: Credit reporting or other personal consumer reports

Experian provided a copy of my credit report to multiple companies without my authorization : XXXX XXXX on XX/XX/XXXX -XXXX XXXX on XX/XX/XXXX -XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX  on XX/XX/XXXX As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Product: Debt collection

First Financial Management called me on or around XX/XX/2020 and reported that I owed a debt for an automobile accident that I had no fault in nor was I ever sued for taking part in. I never once received any attempts to collect a debt and was told that if I did not start a payment plan right away my license would be suspended immediately. I made it a point that I wanted written communications about the payment I made for XXXX on XX/XX/2020, as well as, the judgement decree of the charges I owed. Prior to this phone call the company verbally harassed my husband multiple times, who was not aware of any of this.
Product: Credit reporting

1 year and a hAlf ago .. . .I req uested and received my credit report and notice numerous accounts that were inaccurate, erroneous, outdated, beyond  statue of li mitation, and JUSE Not MINE..and put a FRAUD ALERT ON MY REPORTS.I wrote all three credit bureau 's disputing the NEGATIVE ITEMS . .. .I Rec eived numerous responses stating items were 'VERIFIED'..However when I exercised my FCRA RIGHTS and requested VALIDATION..METHOD OF VERIFICATION, OR CONTRACT BEARING MY SIGNATURE from the  XXXX  CREDIT BUREAU 'S . (   XXXX  ... .. XXXX ..EXPER ) ..TO THIS DATE   XXXX   XXXX    2017..I H AVE NOT RECEIVED NON OF MY FCRA LEGAL ENITTLEMENTS .. . ..I am bein g VIOLATED and I need help and assistance. ... ..Thank you
Product: Debt collection

The Debt is not mind. I sent Police reports, and letters to them about the problems that I got with Identity theft. But they still garnished my wages. I filed another one. I do not understand the law. Why should we pay for Banks mistakes that's not right. What protects a person form Identity theft. It effects so many people. I use to think we had a better system than we do. I have notified the Credit agencies of the problem and put a freeze on my SS number and credit info. Debt collectors need better research, like pictures, finger prints. I have been having problems sense 1979. Someone used my name and put a middle initial in it. Used my SS number and change a number in it. Almost every year for the last twenty years or more I have got some kind of notice from these debt collectors. Please look in to some of the unfair tactics that are being used. Who protects the poor person who can not afford a lawyer to deal with situations this? And they know this. Thanks. ( I believe you guys know something wrong that is why you have this page. )
Product: Credit reporting or other personal consumer reports

My account with ( DEPT OF ED/XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

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

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( DEPT OF ED/XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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

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

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Today on XX/XX/2019, I tried to resolve an evolving issue regarding my privacy information with regard to my credit card that I had with Wells Fargo. There has been a business senior Vice President named XXXX XXXX and XXXX XXXX who has invaded my personal information to collaborate with other businesses and other business people in the community to make money and ruin my reputation. They would use every little purchase to combine forces to help themselves and hurt my reputation. All of my purchases and dates. They even combined forces with local baseball players including the XXXX XXXX players named XXXX XXXX, XXXX XXXX, and XXXX XXXX.