23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am unable to get Mohela to review my account under the new XXXX XXXX XXXX XXXX XXXX XXXX ) waivers and guidelines. My loans were consolidated into the correct loan type in XXXX. I've been with a qualifying government employer since that time. My PSLF history goes back to XX/XX/XXXX when the program started. I've submitted employment certification regularly ( to XXXX and now Mohela ) during that time. My account currently reflects XXXX qualified payments, an additonal XXXX needing employment certification and XXXX ineligible payments. The XXXX ineligible are all forbearance months that will become eligible and qualifying once my account is reviewed. I submitted an application in XXXX that was processed in XXXX with an update to only the more recent months. I was again denied forgiveness. I submitted another application recently and am just trying to get someone to review and update my seemingly straightforward account information and path to loan discharge. Once reviewed, I will have XXXX qualified payments and my loan forgiveness will date back to XX/XX/XXXX, resulting in a substantial refund of payments. Every touch to the case seems to start a new " 90 BUSINESS day '' clock for review. It has now been almost a year that new policies regarding forbearance months were announced and there has been XXXX movement on my case. I am asking for timely review of my account and submission for discharge of my loans under XXXX.
Product: Debt collection

I defaulted on a {$1000.00} XXXX XXXX credit card in XX/XX/XXXX ( over 12 years ago ). The debt does not show on my credit report. It was discharged. A company called portfolio recovery associates LLC somehow got my number in XXXX. They have called me from various numbers approximately 1500 times in 3 years. They claim the debt is {$4000.00}. 
Even tho the debt is discharged and doesn't show on any of my credit reports they continue to call and say the debt is " collectable ''. I've also received letters from them over & over concerning this. I've actually considered changing my phone number ( which I've had for 8 years ) because of the constant harrassment
Product: Credit reporting or other personal consumer reports

I recently discovered that my personal information was compromised due to a security breach within the systems of the three major credit bureaus ( Trans Union, XXXX, XXXX ). This breach allowed unauthorized parties to access and misuse my personal data, which has led to inaccuracies on my credit report. These inaccuracies are directly impacting my financial reputation, and I am requesting immediate action to correct the errors resulting from this incident.
Product: Debt collection

I initially contacted RentDebt Automated Collections about an debt they were attempting to collect. I disputed the alleged charged because it appeared to be inflated, which they received in their office on XX/XX/XXXX. RentDebt sent a statement breakdown and partial of a lease agreement where several pages were missing. This final account statement shows a reletting charge of {$1400.00} however the lease agreement shows a reletting fee of {$1400.00} which is clear an upcharge of {$21.00} was added to the amount despite what the agreement shows. 

Additionally, the final account statement shows a lease termination fee of {$1500.00} but this is no where in the agreement. 

On XX/XX/XXXX RentDebt received in their office another letter from me via certified mail receipt number XXXX XXXX XXXX XXXX XXXX pointing these exact discrepancies. To this very day they have not responded to me to clear up and justify these alleged charges. Just as well they continue to report this account on my and my husband 's credit profile. They are misrepresenting this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

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 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: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 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. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is an unverified amount charged to my credit report of XXXX this amount is unverified and I am not aware of this belonging to me under the fair credit reporting act section 609 this amount has to be validated with a original signature I am asking this debt to be removed from my credit profile Thank you Sincerely XXXX XXXX XXXX
Product: Credit card

I received a promotional marketing packet in the US Mail, indicating that I qualified for XXXX bonus miles into my airlines ( XXXX XXXX ) if I spent {$4000.00} within 90 days. I had a special registration code that I needed to use to sign up for this credit card. I followed through on my end by spending the required amount within the time period. I received XXXX miles into my XXXX XXXX account on XX/XX/XXXX, but I did not receive the additional XXXX due to my airlines account. I called the credit card company to dispute this, and a case number was created on XX/XX/XXXX to investigate my complaint. I followed up with the credit card company 3 times to get a status update, and I was informed each time that the credit card company acknowledged I was due XXXX total bonus miles, and that I hade met the requirements of the {$4000.00} spend within 90 days, but the company could not figure out why only XXXX miles were deposited into my airlines account. The representatives informed me to wait until my next billing cycle on XX/XX/XXXX to see if the additional XXXX miles were deposited into my airlines account. On XX/XX/XXXX, I confirmed that the additional XXXX miles were NOT deposited into my airlines account. I then called the credit card company again, and spoke with a supervisor named XXXX, who informed me that the credit card company had sent me a formal letter on XXXX indicating that the investigation into my complaint had concluded and the outcome was that I was owed XXXX miles but did not know when these miles would be deposited into my airlines account. XXXX gave me a confirmation # of XXXX to follow up. As of today, XX/XX/XXXX, I do not see the additional XXXX miles that is owed to my airlines account, and I am filing this complaint with this agency to resolve the matter. This is false advertisement on the part of the credit card company, and the company has gone to acknowledge that I am due the additional miles, and yet they will not honor their part of the agreement.
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, 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently have reviewed my credit reports and show an inaccurate/ incomplete account being reported to my credit file by Equifax XXXX I have disputed with Equifax, and they have yet to remove this inaccuracy which is hurting my credit rating. Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report and my last Dispute letter sent to Equifax. 

Account Name : Unknow Account No : XXXX Account Balance : {$450.00} Also Showing duplicated XXXX times on credit file. 

Furthermore, Equifax is reporting a derogatory account that has not been validated by Equifax in a timely manner and the other bureaus XXXX and XXXX have already removed this account from my reports and Equifax has failed to do so. They need to comply.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 ' business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX or XXXX XXXX or whichever date because this account shows different dates conflicting on any truth to understand the exact date under the account number ( XXXX ), another personal credit card account opened at XXXX XXXX  on XX/XX/XXXX or XXXX XXXX or whichever date because the data furnished for this fraud account has different information being publicly furnished under the account number ( XXXX ) and furthermore examined another XXXX XXXX account opened at XXXX XXXX on XX/XX/XXXX or XXXX XX/XX/XXXX or whichever date as multiple dates are XXXX publicly furnished under multiple agencies under the account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've have not attached a list of the hand inquiries in questions a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. this has been Reported with the XXXX XXXX XXXX XXXX Police station in the United States Of America California Republic
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received an alert on XXXX that there had been a change on my credit Equifax report. When I went to the site, I found that XXXX XXXX had posted that my credit could be " affected by natural or declared disaster. '' of course, living in the XXXX of North Carolina, I am not in any such area. I contacted XXXX XXXX and did not get any response. I contacted XXXX and Equifax and neither will remove that statement. Since any XXXX search of my zip code ( XXXX ) should reveal that I am not in any disaster area, can not understand why this was not a simple fix. Apparently these large companies will only pay attention to other large companies, so I need your help.
Product: Checking or savings account

{$200.00} was withdrawn from my account on XX/XX/2022 ( XXXX ) at Truist ( formally BB & T ). My name was on my mother-in-laws account ( I thought for emergency purposes only ). My mother-in-law died on XX/XX/2022. I never had her debit cards or withdrew money from her account. After she died someone used her debit card all over the place according to the bank statement given to me by the bank. I never did. I went the bank and spoke to rep, XXXX XXXX who said I could help my case to get a police report, I submitted a police report number to the bank ( via email ). When my mother-in-law died, I was in the XXXX My wife called the bank but was told she could do nothing. She also took the death certificate to the bank when it was BB & T. We went to the bank and was told it would be given to fraud unit. I called the fraud unit and lady said it was beyond her scope. I'm XXXX and I live off that small amount. I am trying to get my {$200.00} refunded to my account. I never used account XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to the 15 USC 1681 I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX bankruptcy XXXX XXXX Bankruptcy XXXX XXXX bankruptcy XXXX XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$2500.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud in 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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove 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 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: Credit card or prepaid card

On XX/XX/XXXX, XXXX of my credit cards were stolen from my car. It happened at the XXXX XXXX parking area of the XXXX XXXX XXXX XXXX sometime between XXXX and XXXX AM. Shortly after, all XXXX  cards were used multiple times at multiple XXXX XXXX The other cards detected the fraud almost immediately and denied all but one or two of the charges. The XXXX XXXX card, managed by Synchrony, allowed 7 fraudulent transactions, all just over {$2000.00}, across three different stored within a matter of an hour or two. We reported the card stolen and the company mailed a new card. We then called on XX/XX/XXXX and talked to service who said they would remove the charges. We also submitted a written dispute. 

Now, over a week after the incident, the charges are still on the account and Synchrony is reporting an over limit balance of {$15000.00} to the credit bureaus. Worse, on XX/XX/XXXX, AFTER the card was reported stolen, it appears they may have allowed a balance transfer from another card. I need these charges removed.
Product: Debt collection

A man who said his name was XXXX XXXX called my cell and left a message stating they had delivered a 21 day notice to my residence and it was now day XXXX hours to call him to settle the matter before a process server was sent out to serve me. Case number he gave was XXXX. In the voice mail he never identified the company he works for, nor the company the case that was referred to his office was for. He then called my employer less than 5 minutes later and threatened me on the phone. Refused to tell me who the debt was for until I in turn demanded a fourth time to know what the debt was for. He finally said the debt was from Check Into Cash payday loan. Said the amount due was for over {$700.00} but I do not recall ever taking a loan out for that amount, and the last loan I took out was over 3 years ago. It is my understanding the statute of limitations for a lawsuit in Kansas is 3 years. He wanted to know since I work for a law office when I was going to pay the debt. When I told him not to call me at work and told him I was aware of the FDCPA he hung up on me. The number he called from was an unknown number but he left a number that ca n't be traced to a specific company on XXXX.
Product: Debt collection

I have been actively taken a role in educating myself on credit and financial literacy.

Under the FDCPA, debt collectors are prohibited from engaging in unfair, deceptive, or abusive practices when attempting to collect a debt. I assert that your actions have violated these provisions of the FDCPA, which are in place to protect consumers like me from harassment and unfair debt collection practices.

Provide verification of the debt, including all relevant documentation and account statements, as required by the FDCPA. I have reached out to Harvard Collection Services via certified mail, and I was ignored. My rights have been VIOLATED!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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: Checking or savings account

Check Number XXXX from my money market account for {$1300.00} made to XXXX XXXX. I called bank THAT SAME DAY and to HOLD The check and NOT let XXXX XXXX cash it. XX/XX/XXXX : I called KEY at the XXXX number. The KEY person on the phone XXXX number said OK. I asked if they could waive the fee to hold. he asked his supervisor who said yes and then they said 'OK, YOUR CHECK WILL BE ON HOLD UNTIL YOU TELL US WE CAN TAKE IT OFF OF HOLD '. next thing you know my {$1300.00} is GONE because XXXX XXXX cashed it. 

What in the XXXX happened? And KEY needs to reimburse me NOW! The records these idiots wrote down are NOT TRUE. I have banked with Key for over 8 years now. NEVER in my life have I seen this happen. It is so simple : HOLD THE CHECK. DO NOT let it be cashed. I get confirmation that is has NOT YET BEEN CASHED AND THAT THE BANK IS HOLDING THE CHECK UNTIL THEY HEAR FROM ME. and what happens? This is XXXX. I expect total reimbursement NOW
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent emails to TransUnion, XXXX, and XXXX on XX/XX/22 and XX/XX/22 asking for the payment history and bank statements on the following accounts to verify there late payments. I am sure I have never been late in making these payments. 


DEPTEDXXXX XXXXXXXX  DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX
Product: Debt collection

I received a correspondence letter from Portfolio Recovery XXXX, XXXX, dated XX/XX/XXXX, and that it was an attempt to collect a debt for a specific amount. On XX/XX/XXXX, I submitted a written correspondence, via XXXX, to the Company advising, " Please cease and desist any and all future correspondences and attempts to collect on this account and any other account from Portfolio Recovery XXXX, XXXX and/ or its subsidiaries. Thank you '', along with my written signature and date ( XX/XX/XXXX ). I, again, received a second correspondence letter from Portfolio Recovery XXXX, XXXX, dated XX/XX/XXXX, and that it was an attempt to collect a debt for a specific amount. On XX/XX/XXXX, I submitted a written correspondence, via XXXX, to the Company advising, " Please cease and desist any and all future correspondences and attempts to collect on this account and any other account from Portfolio Recovery XXXX, XXXX and/ or its subsidiaries. Thank you '', along with my written signature and date ( XX/XX/XXXX ).