23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The amount I am disputing with this company is {$120.00}. On XX/XX/2017 - I applied to be a resident at this property. The day of application, the property had free application fees waived on approved credit. Since my application was approved, the company was only authorized to withdraw {$100.00} from my bank account. The {$100.00} was for a holding deposit. Therefore, I set aside {$100.00} for this withdrawal. Instead of the company withdrawing the authorized {$100.00} -- they attempted to withdraw {$190.00} -- {$100.00} for the holding deposit and {$95.00} for the application fees. My bank denied the transaction and I was charged a bounced check fee of {$35.00} with my bank -- I have called their office multiple times and I have never received a response nor have I gotten my call picked up in attempt to resolve this. XXXX XXXX first attempted to collect {$220.00} - {$25.00} NSF fee, {$100.00} cancellation fee and the {$95.00} application fee. After disputing, the company removed the {$95.00} application fee but will not remove the other charges that are clearly their fault. The {$100.00} cancellation fee and the {$25.00} NSF fee. This company has continued to collect and refuse to respond to any of my messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a XXXX Credit Card in XXXX of XXXX as I was at the time a frequent shopper looking to rebuild credit to obtain a newer vehicle and home down the line. Things went exceptionally well with having this credit card until the gaps of employment from XXXX of XXXX to XX/XX/XXXX in which the latter resulted in me losing my home, my vehicle, without financial assistance as I am estranged and disowned by EVERYONE in my life for personal reasons. I was also denied unemployment due to previous reasons of not reporting new employment ( which was relayed that I had never been in that position of having to do so for years as I had maintained stable employment until XXXX of XXXX ), and I tried EVERYTHING in my power to avoid this situation. I explained to them SEVERAL TIMES that I was not in a position to pay at the time, however when I started to get back on my feet, I paid what I could and in XXXX of XXXX the account was INCORRECTLY charged-off because an incompetent employee WHO DID NOT DO THEIR JOB in WHICH THEY CONTINOUSLY DENY AND DENY TIME AFTER TIME. I made a plan to pay the account in full as opposed to a XXXX payment plan which would have been tedious as I am currently homeless without a vehicle, I sometimes sleep in abandoned buildings for air-conditioning and a warm shower. I also sleep on the streets and motels when the city provides vouchers for stays. I was in a six-year XXXX XXXX in which I am a victim of XXXX XXXX I have had my teeth broken, XXXX XXXX, had to take unpaid XXXX leave from a part-time that was barely paying the bills to begin with, I was also diagnosed with XXXX which limits my food choices that results in me NOT eating most days and in spite of the mentioned circumstances I managed to catch up on my bills including pay this account off IN FULL W/O a settlement plan. I complained to the XXXX  SEVERAL TIMES ON THEM AND THEY STILL DO NOT ADMIT TO ANY WRONGDOING!!! ADDITIONALLY, THEY DID NOT PROPERLY VERIFY XXXX  IN TERMS OF MY ACCOUNT, THEY KNEW I WAS EVICTED AND I COULD NOT RECIEVE ANY MAIL AT ALL ALONG WITH BEING PROHIBITED FROM BEING ON THE PROPERTY AFTER MY EVICTION. THE LANDLORD WROTE ME LETTER STATING THAT I WAS NOT ALLOWED ON THE PROPERTY NOR COULD MAIL COME W/O PRIOR APPROVAL SO THEREFORE I NEVER RECEIVED A LICK OF XXXX VERIFICATION FROM THESE UNEDUCATED STUPID REPRESENTATIVES WHO LACK EVEN ONE XXXX BRAIN CELL AND NEED TO LEARN RESPECT ALONG WITH LACK OF EMPATHY!!! I PROVIDED THEM WITH HARDSHIP DOCUMENTATION AND ALL THEY COULD SAY WAS " SORRY TO HEAR THAT '' IF THEY WERE XXXX SORRY THEY WOULD HAVE HONORED MY REQUEST!!!! I AM TRYING TO GET A PLACE TO LIVE AS I AM SICK OF LIVING ON THE STREETS, LIVING MY LIFE, NOT HAVING A VEHICLE, FRIENDS, A HUSBAND WITH A FAMILY, ETC. THESE PEOPLE NEED TO FIX THIS XXXX XXXX  IMMEDIATELY!!! ALSO, THEY ALSO KNEW THAT I WAS EVICTED AND I DO NOT LIVE THERE!!!! Document passwords : XXXX # XXXX & XXXX # XXXX
Product: Credit card or prepaid card

There were several charges on my Wells Fargo XXXX XXXX credit card that I did not initiate or authorize. I reported the charges to the bank as soon as I discovered them. Wells Fargo sent e a new card, and initiated an investigation. An investigator called me after I received the new card. The investigator asked if I was in possession of the card. I misunderstood the question. I thought the investigator was talking about the new card they sent so I answered yes. Because of this Wells Fargo denied my claim.

I have submitted documentation including a police report, supporting my claim. The charges were made on two consecutive days. Some an hour from my home, and two others more than 6 hours away. Wells Fargo continues to claim the charges appear to be authorized by me, but provide no further explanation as to why they believe I authorized these charges. The card was lost or stolen, and I was not in possession of the card when the charges were made.
Product: Credit reporting or other personal consumer reports

I have unauthorized and wrong inquiries on my credit report with Equifax I need them to be removed as soon as possible please.
Product: Debt collection

I have reviewed a copy of my consumer report recently and noticed there are several debt collection agencies reporting a debt that they have not validated and are reporting without my written or oral permission. There is not contract nor agreement between myself and these companies. Their unfair reporting practices have caused me significant damage recently. These errors and unlawful practices need to be corrected and all misleading and unlawful information on my report needs to be removed immediately per federal laws ( Fair Debt Collection Practice Act ) : 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 15 USC 1692f ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 15 USC 1692g ( a ) I received no notifications via mail about the validity of this debt 15 USC 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. If the company in question can not provide an original, " wet-ink '' signed contract or agreement between me, XXXX XXXX XXXX the consumer, and their company named as XXXX, the debt is invalid and therefor unlawfully permitted to be collected upon and most certainly can not be furnished on my consumer report.
Product: Debt collection

I get a medical bills on my credit report who was send to collection without my knowledge. Now I received some treated calls all the time with some harassment and legal action going to be take about me. I want all this stress to stop immediately. They even calls my cellphone during working hours.
Product: Credit reporting

I have sent Transunion dispute letters and Fraud Affidavit informing them that I was a victim of identity them. Someone use my information without my knowledge. I have disputed this claim many times with Transunion. They have stated that XXXX XXXX XXXX has verified this information. Which is ironic because I ca n't get them to send me any information with regards to this account. This account is not mine so I will like for Transunion to remove this information from my credit file.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate this account from bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. Its past 7 years the date on the bankruptcy is XX/XX/XXXX today is XX/XX/XXXX.
Product: Student loan

I have served in public service for ten years and have met all obligations to make qualifying student loan payments for public service loan forgiveness. 
Mohela placed my account under administrative forbearance in XXXX and XXXX of XXXX. I did not request this forbearance. I was told this was due to administrative difficulties and have received language from studentaid.gov and mohela that these months will count towards public service loan forgiveness. I contacted Mohela multiple times and was reassured these months will still qualify In XXXX of XXXX I breached the threshold of XXXX qualifying months of service and payments. I submitted my application for forgiveness. However, Mohela is not counting the months of XXXX or XXXX stating I was under forbearance. I am suffering monetary damages as I would like to change employers to a for profit group but I can not make this transition until Mohela processes my application. I am requesting that Mohela correctly process my application for public service and include the months of XXXX and XXXX which rightfully qualify so I can have my application processed correctly and in a reasonable time frame.
Product: Credit reporting or other personal consumer reports

To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX 's refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), you can use the following template : Subject : Complaint Against XXXX, XXXX and Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, XXXX and Equifax, for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Date of Charge Off : XX/XX/2024 XXXX Date of Charge Off : XXXX XXXX Date of Charge Off : XX/XX/2024 EQUIFAX
Product: Credit reporting, credit repair services, or other personal consumer reports

BRAND SOURCE XXXX - Incorrect balance/never updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed items on my credit report 60 days ago and incorrect information is still reporting for Experian, XXXX, XXXX section 15 usc 1681 section 604 a section 2 it states that a consumer reporting agency can not furnish an account without written instructions. XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX. These accounts reporting inaccurate information I've disputed multiple times with no response or update.
Product: Debt collection

Brite Financial phone lines have been down for months. There are no live agents available to take your call. My account is only 1 month behind as of XX/XX/18. The email suggests they are going to repo the vehicle. My car note is behind because I have to pay over {$700.00} in repairs. Vehicle has a check engine light and I will be unable to register plates. I responded to the threatening email and proposed a solution of $ XXXX/week to get lease caught up.
Product: Credit reporting or other personal consumer reports

I received a copy of my consumer report and noticed a late payment on an account that I am requesting to be updated to paid on time, never late. 

This organization has contravened my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. This violation has caused me emotional distress and has recently induced suicidal ideation ; therefore, I request that this issue be resolved in a fair and equitable manner, in accordance with the principles and provisions of the FCRA. 

15 U.S. Code 1666b - Timing of payments ( 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. 

This agency is the creditor and the open end consumer credit plan is the credit card account of the consumer, which is me. 

Late payments can not be reported if the consumer was not notified 21 days prior to the due date. It should state " mailed or delivered '' to the customer. 

In addition to being in violation of federal law, the reported late payments have harmed me by defaming my reputation and constitute aggravated identity theft on the part of their agency. This is because I did not provide written consent for them to report this information, which is a clear violation of the Fair Credit Reporting Act 's permissible purposes section ( 15 USC 1681b ( 2 ) ).
Product: Credit card or prepaid card

From XX/XX/XXXX  till now,  seven p ayments w ere made to a Capital One C redit Card from my checking account. All of them were for {$75.00}, and at first I thought they were auto   payments to one of my Capital One Credit Cards. Two days ago, I found out they were not.
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I have already called the bank handling this checking account, and will be closi  ng the account shortly. However, not only am I worried that this could happen again, I am furious   at the lack of support Capital One has provided.
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Their mobile application was used to take this money from me, and instead of checking their database to figure out who was making these transactions, they just wanted me to file a claim to my local bank. They offered me absolutely no assistance, despite their application being at potential fault.
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As stated, I am going to reopen my checking account with new numbers, but Capital One needs to improve their security if they want to keep me as a customer.
Product: Checking or savings account

{$2500.00} was withdrawn from my account XXXX of 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has inaccurate information on my credit report and I want it off my report. I contacted XXXX, XXXX, and Equifax on several occasions more recently on XX/XX/XXXX and demanded that they remove the bankruptcy off my credit report because they violated the Federal Trade Commission and the Fair Credit Reporting Act when they claim they verified the information through the court system. I have a letter from the United State Bankruptcy Court that clearly states that they now nor ever validate or verify a bankruptcy. Because of that they clearly violate section 603 ( 0 ) ( 5 ) ( A ) ( I, III ) 611 ( a ) ( 7 ) of the Fair Credit Reporting Act, the court states confirmation of the corrections, truth, and/or authenticity of a testimony in a deposition. It also states that verification is a sworn testimony to have accurate information from the institution from which it came from and they have clearly violated these sections. Therefore I would like it deleted from my account immediately. I am strongly considering a small claims lawsuit if the credit bureaus do not take this off my credit report no later than XX/XX/XXXX.
Product: Mortgage

Hello, There are two charges for pay-off letter when I was closing the loan with FalgStar Bank. 
The first one was made on XX/XX/2020 ( and I was aware of this ; this was made by my new lender ). 
The second one was made on XX/XX/2020, and I do not know who made that request. When I asked the rep over the phone on XX/XX/2020 to give me the information of who made that request, she was unable to give me that info ( there was no info ). 
So, before I closed the loan I called them and waiver was applied to one of the charges. Then I was told that a check will be mailed for this charge ( {$30.00} ). 
Last time I had a chat with a rep on XX/XX/2020, she told me that the waiver was approved, but you are not going to receive a check simply because the loan is inactive. 

Ticket # for this is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX BANK Account XXXX XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX 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.
Product: Student loan

I requested a refund from MyFedLoan for my student loan payments I had made during the pandemic. They processed my refund and said I was eligible for a refund of over {$11000.00}. I called to follow up since I had not received my refund, and MyFedLoan told me that my loans had been transferred to XXXX who would be processing my refund. I called XXXX who said they have no record of me in their system but the transfer should be complete by XX/XX/XXXX and to keep trying to register for an account on their website. It is now XX/XX/XXXX and I am still unable to register for an account on XXXX 's website and they are unable to find a record of my account. MyFedLoan 's website indicates that all transfers have been complete, however my record is not.
Product: Student loan

I am in the process of repairing my credit and in going over my credit report with XXXX I noticed that my Nelnet Student Loan that I am currently paying on is also listed on said report XXXX other times with the same exact information as the current accounts only they have different account numbers showing and are reporting as transferred/sold. I spoke with someone in customer service on XX/XX/2021 and he stated it's not showing on their end at all. I'm trying to figure out how if it was transferred/sold that it is still showing with Nelnet-The original company?
Product: Debt collection

Caine and Weiner has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Checking or savings account

Bank of America didn't allow my XXXX XXXX account access my banking/checking account information via " XXXX ''. This is illegal, even though XXXX is a third party.
Product: Checking or savings account

First Republic was bought by chase and in process of managing my mortgage I was informed Chase retained personal information as well as login information from over 10 years ago. This was at no point disclosed to me. Chase has indicated this is their process and have no duty to inform clients of such. They have further indicated that as this is their policy they have done nothing wrong and have no duty to inform if there are data breaches or other concerns with the retention of ones information.
Product: Debt collection

My business ( XXXX or XXXX XXXX ) closed over 2 years ago. When we closed it, all debts were paid ( not a bankruptcy ) and every company we contacted was told to close any accounts and we confirmed XXXX balances. XXXX XXXX  was the credit card processor and they confirmed the account was closed with XXXX balance. About a year later, I noticed Southwest Recovery Services out of XXXX Texas had an approximately {$300.00} debt owed and late payments on my personal credit report for the entire year. I contacted them and XXXX XXXX  and neither could provide proof of debt. My dispute through XXXX  yielded the same result - no evidence of debt. After months of trying to get proof of business debt for a closed business, and repeated calls ( many were never responded to ), I still have been able to get proof of debt. Today, I finally reached someone at XXXX XXXX XXXX  ( credit card processor ). The first person there said the account wasnt closed properly on their end and they were charging over {$50.00} per month fee even though the account was not being used and they confirmed XXXX transactions for 2 years. They then transferred me within their company and they said they shoed the account as closed and turned over to Southwest Recovery Services collection agency and had no proof of the {$300.00} debt or any additional debt. Therefore, XXXX XXXX  is clueless within their own organization on the closure of the account for my closed business and they cant prove the debt because they sold it to Southwest Recovery. Southwest Recovery cant prove the {$300.00} or any debt because they rely on backup evidence from XXXX XXXX which they dont proof of either. Somewhere in the middle is a mysterious company called XXXX XXXX XXXX that also shows up. Since this account was closed with XXXX XXXX XXXX XXXX XXXX balance and none of these companies have proof of the debt ( as well as this was tied to a closd XXXX XXXX from over 2 years ago ), this should be removed from my credit report, all late payments and debts should be immediately removed from all my personal credit report, and they should mail confirmation of these actions and no debt owed. Thank you for helping stop this fraudulent extortion being performed by these unscrupulous companies. How many more victims out there? Seems like a shell game that warrants a class action lawsuit ...