23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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
Product: Student loan

United Student Aide Funds started garnishing my XXXX   benefits for {$150.00} on XX/XX/18, and again on XX/XX/18, with  out warning me. I have spoken to the US Dept of Ed and was told that my loans were suspended because I am XXXX XXXX. I have started a repayment with United Student Aide Funds, but I am concerned that they will garnish me next month.
Product: Student loan

I received a notice from Mohela stating I need to recertify my income by XX/XX/XXXX in order to continue on the income-driven repayment plan. However, there is another deadline under repayment options on Mohela stating my deadline is XX/XX/XXXX. Lastly, there is an announcement from the Department of Education stating " The earliest you could be required to recertify is XX/XX/XXXX. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by XXXX year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. '' I called back in XX/XX/XXXX regarding this issue and that my recertification date should be pushed back 1 year according to the Department of Education. I was told by the representative that this should be solved by the end of the month. However, it is now XX/XX/XXXX and the problem persists. I called today XX/XX/XXXX and after holding for XXXX hours the representative did not know anything about the announcement from the Department of Education. The representative also told me specifically that my loan was owned by MOHELA and not the Department of Education even though on the Mohela website the loan owner states " Department of Education. '' I was supposed to get escalated to an " advanced '' representative but the transfer never occurred and the call was dropped.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to bring to your attention a serious violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts listed have improperly disclosed my personal information : XXXX XXXX XXXXXXXX XXXX XXXX This breach of confidentiality has caused me significant distress and has compromised my privacy. I demand that immediate action be taken to rectify this situation and ensure that my personal information is handled in accordance with federal law. 
Please provide confirmation of the steps taken to address this violation and prevent any further unauthorized disclosures of my personal information. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the update of incorrect data from my credit report concerning late payments. It's crucial that these accounts are corrected to reflect the payments accurately and any erroneous information is rectified promptly.

The late payments in question pertain to the following accounts : XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX 

In instances where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable timeframe. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments.

Moreover, there is no remaining balance on these accounts that would suggest a missed payment. I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness.
Product: Credit card or prepaid card

Hi, I have an Apple Card that I use to pay for XXXX related products for the Interest free installment plans. Well I noticed that I was charged interest in XXXX and XXXX and tried to speak to someone who could not tell me why. I am asking for help in getting the answer as I can see my payments have been more than what is owed on the date the payment is due for installments that are supposed to be interest free for well over the time I'm paying these things.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why are you indicating that XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX was 120 days late in XXXX of 2022 & XXXX of 2022. How is this even possible? I couldnt possibly be 120 days late 2 months in a row. In addition, you indicate that the charged off amount is {$0.00} but indicate there is an amount past due of {$22000.00}. How is this possible? You also have left blank the date closed field, this is inaccurate. I attached proof of your inaccurate reporting below. I demand that you update this or delete the account immediately according to 15 USC 1681e ( b ). Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am entitled to a 100 % accurate credit report according to FCRA law. How is this account accurate if payment history is wrong? You must provide me with an answer of why you continue to refuse to update payment history. DO NOT MARK THIS AS FRIVOLOUS OR A DUPLICATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # 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.

" I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ''
Product: Student loan

I attended California School XXXX XXXX XXXX XXXX XXXX XXXX program from XX/XX/XXXX - XX/XX/XXXX. I believe in XX/XX/XXXX a lawsuit was placed against them for fraud and misrepresenting graduating income and job placement. I have not been a position to afford the payments and the amount that is owed. I have felt that the only way to try to overcome this is being placed on the income based repayment plan, but not all the loans can be placed on this program as I also have private loans with Navient as well. I am overwhelmed with debt and have a degree that will not ever make a large amount of money to repay the loan. I feel that I was pressured into signing up and also feel that the school lied to me about the amount of money I would make finishing the course and how easy it would be to repay my loans back. I also feel that they lied about their success in graduates. They have since closed their doors I believe in XX/XX/XXXX. I would like some assistance or guidance if there is anything I can do to better my situation.
Product: Checking or savings account

I submitted a deposited a check via ATM deposit on the evening of Thursday, XX/XX/XXXX. The funds were available the next business day. I waited until Monday, XX/XX/XXXX to charge against the funds. Without warning my account was frozen that evening. I realized that the account was locked when I attempted to get gas this morning, XX/XX/XXXX. At that time I tried to access my mobile banking and was unable to login. I then called the XXXX customer service number and could not validate my account. I requested live help and was told by the representative that my accounts had been frozen pending closure. Without any notice. When I asked for an explanation, I was advised that the information could not be given over the phone and that I would receive a letter of explanation in the mail. Distressed by that response, I proceeded to my local branch for answers. Upon arrival I was seen by a banker who explained that the ATM deposit was being returned unpaid, and that because the account was newer, would be closed. I left the branch to confront the business that issued the check and was advised that the check had been already been paid. Furthermore, the issuer 's bank, XXXX XXXX, provided me with confirmation of the payment. When I approached my bank with this information, I was told that it was immaterial and the account was to be closed due to the invalid deposit. At this point I am in real distress as I had transactions out on money that no one wanted to be accountable for and that had virtually vanished. I repeatedly asked for Suntrust to help in this resolution, touting that XXXX XXXX had made an effort, but Suntrust simply denied interest in the funds or my continued business. I implored several times asking for administrative contacts who could help me, but was instructed to call the XXXX number. The number that refused to talk to me at all. Now I am terrified that my meager assets have been frozen, and that the money will not be recovered in timely manner ( because Suntrust shows no interest in resolution ), and I will be doubly responsible for these funds. I have no recourse at this time, with the exception of this complaint. I have tried to contact attorneys to help me navigate the system, but have been unable to find any that practiced in this area. Please please please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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: Debt collection

A payday loan company got a judgement on me in XXXX in the amount of {$1300.00} which includes court fees and costs. I started paying them back on XXXX/XXXX/XXXX {$50.00} per month through a debt management company. When they were contacted in XXXX XXXX by the debt management company to set up a payment plan they automatically served me with court papers. I got the court date cancelled by filling out a financial statement and proof of needs based assistance. The debt collection company agreed to a temporary payment plan of {$50.00} per  month for 5 months. I upped my payments to XXXX per month in XXXX XXXX like they asked. In XXXX XXXX i received another summons to appear in court. The debt management company called the collection company with me on a 3 way call they stated we were going to court again because I had not completely completed another financial disclosure form that they sent to the debt management company. The debt management company had no records of their request. The debt collector said if i complete the form completely that we wont have to go to court but i will still have to pay them court fees. I have been called at least once per week by the debt management company requesting my bank account information and employer information for the debt collector since XXXX XXXX. I have paid XXXX dollars on this debt over the past year and have XXXX left to pay. The debt management company tells me the collector is charging me interest at 12 %. This is a 6 year old debt. The reason for the court date on the papers i was served is for unpaid debt in the amount of XXXX. I only have XXXX left to pay plus they are now charging me interest. Is this legal? They have not agreed to a payment plan for whatever reason but are cashing my payments. I should not be responsible for added court fees again i am already paying them in the judgement of XXXX
Product: Checking or savings account

On XX/XX/2022 a deposit was made into my account in the amount of " {$3800.00} ''. The amount was held and processed for XXXX days, im assuming for verification and then released partially on XX/XX/2022 in the amount of " {$220.00} '' then on XX/XX/2022 for the remaining amount of " {$3600.00} '' totalling to the full check amount. After the full check was released and credited to my checking account on XX/XX/2022, I made payments towards any bills I owed. " In good faith '' I might add. The following day, XX/XX/2022 ; without any notification from my bank, my check was reversed leaving my account overdrawn " - {$1900.00} ''. At this point I attempted to contact my bank on XX/XX/2022 to figure out what is happening and it was stated by the representative that I spoke to that the funds are not properly payable due to duplicate presentment of the check and the representative went on to apologize that it was the banks mistake for releasing the funds prior to verifying of the check was payable. He then went on to instruct me to call the bank who issued the check to me. On XX/XX/2022 After contacting the bank who issued the check to me, they explained that it was also a mistake on their part for releasing this physical check to me. 
Both banks said I am liable for their mistakes.
Product: Debt collection

I have made several attempts to obtain legal documentation to show that Portfolio Recovery has indeed legal rights to collect this debt. I have sent numerous certified letters inquiring about such documentation and none was provided. The only documentation provided has been just basic statements bills from the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to response to MOV ( Method of Verification ), I NEVER received a response to my Request under Fair Credit Reporting Act 611 ( a ) ( 7 ), for the NISSANXXXX LT XXXX within the time set forth by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I opened a line of service account with XXXX and when I asked if the credit check would be a hard inquiry I was told no. The inquiry was made and is now on my report as a hard inquiry. Ive contacted XXXX and they have offered no help in correcting my credit report to match what I was told.
Product: Credit reporting or other personal consumer reports

Here is the revised letter based on your request : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX TransUnion Litigation Department [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ga, XXXX ] To Whom It May Concern, I, [ XXXX A XXXX ], as a consumer and natural person, am fully aware of my rights protected under the Fair Credit Reporting Act ( FCRA ), enacted by Congress to ensure fairness, accuracy, and the protection of consumer privacy. I am writing to formally address the violations of my federally protected rights under 15 USC 1681 by TransUnion and XXXX XXXX. 

It has come to my attention that XXXX XXXX has reported my private and personal information without my explicit consent, a clear violation of 15 USC 1681 ( a ) ( 6 ) ( B ) ( iii ). Additionally, TransUnion has assumed the role of assembling and reporting information about me, but has done so in a manner that fails to adhere to the fairness, accuracy, and equitable practices mandated under the FCRA. 

Specifically : XXXX. XXXX XXXX provided my information without my permission or permissible purpose, as required under 15 USC 1681b.

2. TransUnion has unlawfully shared and sold my personal and private information to third parties, including XXXX and XXXX, without my consent or notification. 
XXXX. Today, I received three dispute results that were opened without my authorization by TransUnion. These disputes were also handled improperly, as TransUnion failed to supply the previously requested and mandated verification documentation, as well as the specific investigation procedures required by law to accompany statements of verification. 

As the consumer and natural person, I am invoking my rights under the FCRA and demanding the following actions be taken immediately : 1. Cease and desist reporting of the XXXX XXXX account to all consumer reporting agencies. 
2. Remove all reporting of the XXXX XXXX account from TransUnion, XXXX, and XXXX databases. 
XXXX. Provide documentation and detailed information on the unauthorized disputes that were initiated, including the investigation procedures and supporting verification materials. 

Failure to comply with these demands will serve as evidence of willful and deceptive violations of the FCRA, as well as infringements on my rights to privacy and confidentiality under federal law. Please treat this letter as a formal Cease and Desist notice. 

I expect a timely response within 5 days addressing all the demands and providing the appropriate verification documents as stated and mandated above. Should TransUnion fail to resolve this matter, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), pursue legal remedies, and seek damages for the violations of my federally protected rights. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Checking or savings account

My debit card information was stolen online and I have filed fraud claims related to transactions that occurred XXXX in the amount of : $ XXXX XXXX $ XXXX XXXX XXXX My cellphone account was hacked and someone stole my information and used my debit card to transfer money from my bank account to themselves via the merchants above. My bank Wells Fargo has mishandled this situation and I am now out of {$4200.00}. The persons name that was on the hacking was XXXX XXXX. 

My complaint is against the bank for not telling me I needed to contact the merchants for the unauthorized charges and instead to allow them to investigate. They did not stop these charges while they pending and was I informed that I could stop them. I was not given the proper information on how to handle this and have lost my money as the merchants refuse to offer refunds.
Product: Credit reporting or other personal consumer reports

I have provided a police report a FTC report for fraud. At this point mentally Im not ok because of the defamation continuing. Ive asked for the Company not to report this and find the right person. Its a shame o have to do all this state law use fancy words. I only want this issue resolved. This is not my debt. Ive attached reports of fraud. I want bris account remove from my Report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  Inquiry Date : XX/XX/2020 XXXX XXXX XXXX Inquiry Date : XX/XX/2020 XXXX  XXXX Balance : {$0.00} XXXX  Inquiry Date : XX/XX/2020 XXXX XXXX Inquiry Date : XX/XX/2020
Product: Credit reporting or other personal consumer reports

Hi, I am writing to formally lodge a complaint regarding the unauthorized exposure of my personal information on all credit reporting systems including but not limited to Transunion, XXXX, and XXXX. I have recently discovered thatmy sensitive data has been shared ormade accessible without my explicit consent, which I believe constitutes a serious violation of my privacy and legal rights. 
As you are likely aware, under the FCRA and other relevant data protection laws, it is illegal to disclose or share personal information without the individuals consent. The unauthorized exposure of my data is a direct infringement on my privacy, and I request that my personal information be immediately removed from all records. I insist that prompt action to remove my personal information from all systems, provide me with written confirmation that allmy data has been removed from all data bases and reports and confirmation that no further unauthorized disclosures or usage of my information will occur. 
Please be aware that if this issue is not resolved to satisfaction on a timely manner, I will have no choice but to pursue legal action including filing complaints with other regulatory bodies and taking this matter up in court. I trust this issue with be treated with the seriousness it deserves and immediate corrective action will be taken. 

Thank You, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I called today BHG to request forbearance because my business was affected by hurricane helene they stated they do not offer any payment assistance for disaster relief. I asked them to remove autopay from my account and they stated they can not change payment information.
Product: Checking or savings account

To whom it may concern. Chime closed my account on XX/XX/2021 account for what they are saying suspicious activity. Without even warning me.They then ask me to send proof of documents that can solve this matter. I then sent them everything they ask for and they still closed my account. I had over XXXX an my account an I have yet to see a refund, a check, or anything. They told me they will send my money back to the original sender which they never did. I reached out to several emails regarding my refund.They send you automatic emails saying the same thing.That they can not disclosed why they closed my account. You can not speak to anyone once your account is locked or closed.Thats how I know they are taking/stealing peoples money. I am trying to get help on returning my money back.
Product: Credit reporting

I demand to see Verifiable proof of the account they listed on my file
Product: Money transfer, virtual currency, or money service

PayPal unexpectedly permanently restricted my account in 2023. They have responded saying that they do not have to give a reason for this and they do not have to let me remove my credit card and banking information. I have accepted that. However, I have been trying for 16 months to cash out a very small amount of cryptocurrency so that I can be done with this company. In numerous letters from them and responses to my complaint to the state Attorney General 's office, they erroneously have ensured that I am able to cash out my cryptocurrency, but this is not true. I have tried dozens of times following their instructions and it always comes up with a " there is a problem, please contact customer service '' I can not get through to customer service after many many many attempts. I get through the prompts and then get the message " we are experiencing technical difficulties, please try again later '' Then CLICK, it hangs up. They will insist that I have the ability to cash out, but it does not work! They also erroneously claim that they have attempted to call me and left a voicemail message. This is also NOT TRUE. I don't know what else to do because they keep lying and saying it is fixed but it is not.
Product: Mortgage

My home was foreclosed in XXXX 2012. The XXXX lien holder, Wells Fargo, did not follow proper procedure about closing the loan out. They now are recording my loan as an Unknown status, which is preventing me from moving on with my life and securing a new mortgage on a lesser home 3.5 years later. I am told that they must record the mortgage status as foreclosed or written off, and they are not doing so on my FICO report.