23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

According to the Family education and privacy act of 1974, I have a right to privacy from educational institutions and financial institutions. I have never given my written consent to Mohela to furnish any of this information. Mohela is also a 3rd party collector that I have no agreement, contract or consent to be in a binding financial relationship with. 


On XX/XX/XXXX Mohela was transferred into my domain as a student loan servicer that I never consented to. Mohela has been reporting negative experiences on these accounts causing adverse effects of my credit reports. 15 USC 1681 tells me that late payments are experiences not to be included in my credit report. Additionally, Mohela never sent me a 21 day notice of these " late payments '' and if they would have verified the information with the consumer they are reporting on, me, they would know that these late payments are inaccurate, a violation of the FCRA and FDCPA. 

On XX/XX/XXXX they reported an added balance of ~ XXXX XXXXXXXX to XXXX which caused my score to drop XXXX XXXX. These new balances that shouldn't even be accumulating were reported on XX/XX/XXXX. These loans are being actively investigated and should have not been reported on at all. 

I have been denied loans, credit and more because of Mohela reporting information they have no right to be reporting. I will be seeking monetary litigation for these violations.
Product: Debt collection

I recently noticed a collection with Portfolio RC on my credit report. The collection is showing a balance of {$4300.00} reporting to XXXX and XXXX. XXXX is reporting the date opened on XX/XX/18. XXXX  is reporting the date opened on XX/XX/18. Both bureaus are showing different account numbers and date last active. This collection is having a negative affect on my credit score and I do not recognize it. My rights under the provisions of the Fair Credit Reporting Act are clear, I demand these accounts to be deleted from all current and future credit reports
Product: Mortgage

The mortgage company failed to pay my insurance payments from escrow, so I had to pay them directly to keep my insurance valid. They have not reimbursed me for the insurance payments & continue to charge me via escrow for insurance. The amount I had to pay is {$8200.00} plus fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously disputed the following 2 items on both my Experian and XXXX reports. I have no knowledge of these accounts. I have contacted the debt collector and requested information and they refused to send it to me without verifying my social security number. I have never received a bill from this company and I have no outstanding medical debts I have had continuous medical coverage for the past 15 years that would cover any medical bills. The credit bureaus refuse to remove these items claiming they are valid, but I have not received any valid information. Item 1 : XXXX Collection/Chargeoff Other {$530.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name XXXX Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$530.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Remarks Placed for collection. Item 2 : XXXX Collection/Chargeoff Other {$100.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name XXXX Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$100.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Remarks Placed for collection.
Product: Credit reporting or other personal consumer reports

The corporation has Violated The Privacy Act of 1974 as well as the terms and conditions of our agreement pertaining to its initial privacy notice. 

The Consumer has respectfully entrusted the corporation with a certain level of expectation that the financial records would be maintained safely, securely, and in good faith. 

The corporation has repeatedly, on a monthly basis disclosed non public personal information, including personal records and personal transaction history, to multiple non-affiliated third parties for marketable services such as XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, etc. This has negatively affected the consumers ability to attain credit and services for Personal family and household usage. 

Although the consumer has received the initial privacy notices, the consumer receives the goods monthly the corporation has failed to deliver notice to the consumer of the ability to opt out of the sharing of non public transaction history on account to non affiliated parties of the Agreement.

Please See all violations below 5 U.S.C. 552a ( b ) 16 C.F.R. 313.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 
16 C.F.R. 313.10 ( a ) ( 1 ) ( iii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties.

16 C.F.R. 313.10 ( a ) ( 3 ) ( i ) - Limits on disclosure of non-public personal information to nonaffiliated third parties.

12 CFR 1016.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of nonpublic personal information to nonaffiliated third parties 15 U.S. Code 1681b ( b ) ( 1 ) ( A ) ( ii ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( i ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( ii ) - Permissible purposes of consumer reports 12 U.S. Code 3403 ( a ) - Confidentiality of financial records
Product: Credit card or prepaid card

Paid for two concert tickets by XXXX XXXX with my Chase visa debit/credit card. 
The purchase was made XX/XX/19 at XXXX. We discovered the tickets were frauds at the venue and contacted Chase at XXXX to institute a claim. They were very brief on the phone and were not interested in any of the information that we had available and offered to provide to help with their investigation. 
We received a letter from chase today stating that " we found the transaction was processed correctly or was authorized ''. The letter additionally states they will be deducting the {$150.00} from my account on or after XX/XX/19. What I find interesting is that Chase has the transaction date as XX/XX/19 which indicates that they had time to cancel the payment but did nothing to protect my interests. 
What is even more weird is that no one from Chase ever contacted us for any additional information or documentation. How did they conduct an investigation???
Product: Debt collection

I recently pulled my credit and saw several accounts that were fraudulent, it is ruining my credit and my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I am writing to dispute the XXXX card account that is listed on my credit report. I believe that this account is the result of identity theft and that it does not accurately reflect my credit history. Therefore, I am requesting that this account be removed from my credit report immediately. 
Upon reviewing my credit report, I noticed that the XXXX card account is listed with a balance of {$1900.00}, which I believe is the result of fraudulent activity. I have never opened a XXXX card account nor have I authorized anyone to open an account in my name. Furthermore, I have already submitted an identity theft report with the Federal Trade Commission regarding this matter. 
Additionally, I have noticed that the payment history for this account does not show accuracy as the majority of credit reporting for XXXX card says " NO DATA ''. 
I am actively working to resolve this issue and I request that you assist me by removing this account from my credit report. I understand that under the Fair Credit Reporting Act, you are required to investigate any disputed accounts and provide me with a response within 30 days of receiving my dispute. 
Therefore, I kindly request that you remove this erroneous account from my credit report as soon as possible. 
Thank you for your attention to this matter. 
Sincerely, XXXX
Product: Checking or savings account

Between the dates of XX/XX/25 and XX/XX/25, Wells Fargo with their predatory practices put XXXX separate {$35.00} overdraft fees on my account. XXXX for each minor charge. 

I requested Wells Fargo to remove the overdraft fees and they agreed to XXXX removals. However at this time only XXXX removal shows up and I have made multiple phone calls to complain about this. I also recorded their phone call promising the removal of XXXX overdraft fees but only XXXX has been made.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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
Product: Credit reporting or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to even address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

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. 
has violated my rights. 

Account name : XXXX, XXXX. XXXX XXXX. XXXX {$1800.00}. # XXXX this company has the wrong account open date. Claims I never paid but has no late payment history Account name : jpmcb. Chase bank. Amount XXXX. Acct # XXXX This account was agreed in writing that the debt would stay stagnant and I would start over with a fresh account. Making a set payment of XXXX per month. They reported that I had multiple late payments from XXXX XXXX XXXX. Early in XXXX I was XXXX ( XXXX  military ) and they never pulled the auto pay on the payment dates and charged reported I had late payments while the funds were pulled on time Account name : XXXX XXXX. Amount {$220.00}. acct # XXXX This account is showing the wrong date opened and closed. The company agreed to correct this issue and never did so. 


Account name : XXXX. XXXX and XXXX XXXX XXXX. XXXX {$8800.00}. Acct # XXXX I moved my now ex wife into this apartment and stayed she stayed here for 6 days before the complex terminated the lease. I have written documentation showing that they terminated the lease and they state that they would not pursue any debt towards me. I also provided them my military XXXX XXXX which XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per SCRA guidelines it is illegal for them to charge me for this. The rep I spoke to was rude and pretty much said they didn't care. I still owed the debt. Even though the company sent me written and signed letters stating otherwise and I provided them with all military paper work needed to cover me under SCRA guidelines .the lease was terminated XX/XX/XXXX. The company reported the fraudulent debt XX/XX/XXXX. Over a year later. 

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: Money transfer, virtual currency, or money service

This involves New Jersey unemployment money which I have been trying for over a year to obtain. Bank of America has committed many federal violations over the years. They have been under investigation under the RECO ACT. They violated my constutional rights this is the bank account number XXXX XXXX XXXX XXXX XX/XX/25 XXXX They are holding XXXX us dollars
Product: Debt collection

I have attempted to rectify this matter with Jeferson more than once. They have not honored my cease and desist. I intend on exercising the arbitration provision against them if they do not comply with my demands.
Product: Mortgage

XX/XX/21 XXXX Escrow order a payoff from Citadel Servicing in order to facilitate my new refinance. XXXX has sent in 2 faxes requests and e-mail request, confirmation of receipt from followup calls all stated it was in process. When escrow calls they are told it will be 5 to 7 business days, when followed up on XX/XX/21 they were told it would be done by end of business day on XXXX since the request was in process for 10 days. When still not received they were told they did not have the request and to resend on XX/XX/21. Every request has been for payoff to be good for 30 days. I called twice, have requested the same for the past 2 weeks and they finally sent a demand on XX/XX/XXXX at XXXX XXXX the demand was only made good through XXXX ( only good for 1 business day not 30 ) - therefore its no good and title will not process payoff on an expired demand. Citadel is hindering my ability to refinance and I am going to lose the loan I have in process.
Product: Mortgage

I submitted the Mortgage application to Cathay Bank on XX/XX/2020. They asked me to submit all the documents and wait for a month. After pulling my credit from two bureaus ( XXXX, XXXX ), I only agreed to pull credit from one bureau, they did not notify me. Later on, they refused to provide me with a Pre-Approval letter, they refused my application to modify the house price and asked me to pay the Credit Report fee, I did not pay, and finally waited for 2 months and they unreasonably refused my Mortgage application. 
This is the worst Mortgage service I have experienced.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report an allege bankruptcy that they can not verify. XXXX indicated that the information has been removed and the courts state they do not verify bankruptcy. I would like the consumer agencies to turn over the documents they used to verify this bankruptcy immediately.
Product: Credit reporting or other personal consumer reports

My information was exposed during the data breach.XXXX  has allowed this company to fraudulent put this account on my credit report without during a real investigation. I am a victim of identity theft Account : XXXX XXXX XXXX
Product: Debt collection

I received XXXX threatening letters from Debt Recovery Solutions, LLS, with a contact name of XXXX XXXX. Both letters claim they purchased my debt from XXXX, a place in which I have NEVER had a credit card or any type of debt. In both letters, they prompt me to pay immediately, etc., at the bottom there is a spot in which you can enter your credit card number for payment, and you also have the option to pay online. This is an extremely unfair and bullying type of practice. Plus this debt is not even mine. If they are going to send out letter such as these, is it legal to send this type of letter without including legitimate proof of the debt?
Product: Debt collection

This debt is being wrongfully put on my credit report. i have no idea what this is for. I DO NOT owe this debt and it is NOT mine.
Product: Checking or savings account

I attempted to use my TD bank Visa Debit card as I usually do on Monday XX/XX/23 but each transaction was denied/declined.I could not withdraw money on my Checking account which is a Direct Deposit account for my Social Security account disbursements.I contacted the bank and they alleged that some unidentified party had made a charge on my account in the amount of {$190.00} and that they had attempted to contact me.I was curious to know how they ( TD bank ) new of a discrepancy in the charge without my telling them to conclude that my account should be put on hold..They had access to my Cell phone and my email address and did not attempt to contact me to my knowledge.My previous experience with them indicates to me that they would not give me that type of accommodation in their servicing of my account. 
TD Bank insisted upon deactivating my debit card without giving me Legal notice resulting in significant detriment to my account and financial situation.I notified Customer service after being informed of the discrepancy by them and told them that I would be visiting the Bank 's branch office in the XXXX at XXXX XXXX and XXXX XXXX XXXX and was told by them that I would have no trouble getting a new Debit card.I met with the Manager " XXXX to get the card but he refused to give me the card, saying that they could not verify my account through my cell phone and alleged that he would mail one to me instead.This whole tenuous situation could have been avoided if TD Bank would have adhered to proper Banking Notice requirements.
Product: Debt collection

The debt was settled in full with the original creditor XXXX XXXX on XX/XX/2020. The proof of the same was provided to Hunter Warfield on XX/XX/2020. I also spoke to the collection agency and explained the matter. Yet they have reported this to the various credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Recently I disputed an item that's reporting to my credit report inaccurately. hand written disputes sent certified mail to the bureau to investigate & send back requested proof of verification both times. both times I was told it has been verified without any proof of verification. I'm requesting XXXX XXXX verify the amount said to be owed, Provide the purchase agreement, & provide the proof of contract with my signature. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting 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 : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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: Mortgage

XXXX insurance sent a check to Bank of America after my fire, to be credited to my mortgage account and BAC Home loans cashed the check for {$42000.00} and never credited my account. Then they sold the loan to XXXX XXXX servicing who is now claiming I owe THEM the full amount of my original loan with BOA. Both companies destroyed my credit report and despite my having a copy of the canceled check, that BoA cashed, the credit bureaus wo n't correct the mistake and neither will BoA or XXXX.
Product: Credit reporting or other personal consumer reports

I requested company to remove a late charge from my credit reports because it was their mishandling of payment options that caused the payment to be late. 

I scheduled the payments on their website to be paid automatically every month. However, I didnt realize that they only allow up to XXXX months at a time, and XXXX months later, XXXX XXXX put a late charge on all of my credit bureau accounts. All of my accounts everywhere else offer auto pay and us consumers never have to worry about it. I dont understand why they stopped the payment after XXXX months that is unfair to the consumer who is simply attempting to make payments every month. I do not believe that I should be penalized due to their mishandling and lack of options to pay them on time. 

The late charge that XXXX submitted on my credit report is the only account that shows late on any my credit reports that is a reflection of them, not me.