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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/year> XXXX Disclosure Department, XXXX XXXX XXXX, XXXX, GA XXXX. 
Re : Dispute of Inaccurate Information in My Credit Report Dear XXXX, I am writing you to dispute the following information in my file. I have reviewed my credit report and have identified several inaccuracies. I am requesting that these items be investigated and removed from my report. The items I am disputing 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 According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to my dispute within 30 days. Please inform me of the outcome of your investigation in writing at the address listed above. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am seeking employment of driving through the companies XXXX and XXXX XXXX so they confiscated my data driving report from a third party agency by the name Checkr who is a background and reporting agency working on the behalf of my employer to access my records which in their discovery acquired a controversial item known as an accident violation on my Department of motor vehicles report on XX/XX/XXXX that considered my employment risky according to the material reporting from the Department of Motor Vehicles report which affects my ability to acquire employment due to the unverifiable information being disclosed. I reached out to Checkr and XXXX over the phone and by letter disputing the allegations presented on XX/XX/XXXX furthermore I gave a formal and informal notice of the inaccuracy of the information and expressed to the agent that according to FCRA guidelines which express my rights as a consumer very conspicuously but the agent insisted that there investigation results came back that the information was accurate according to the department of motor vehicles. XXXX the second reporting agency I disputed sent me a letter of my dispute and determined that the information they investigated from the department of driver services records results was ruled to be unverifiable so they removed it from there records and sent me a copy for my records. I am seeking the rights to damages this has caused according to the violation of 15 U.S.C 1681 ( 2 ) ( A ) ( I ) as they are liable according to 15 U.S.C 1681 ( n ) of the FCRA
Product: Mortgage

Our mortgage company, Wells Fargo, has breached our Mortgage contract, and the attached PUD Rider. Our mortgage allows for HOA or " association dues, '' that do not replace the mortgage security interest, which they do not as Oklahoma is not an HOA Super Lien state. The HOA dues are supposed to be escrowed. This is also allowed for in the PUD Rider. We were sued last year by our HOA in Small Claims Court for HOA Dues that were not dated, and given a default judgment. I filed a Motion to Dismiss, the XXXX XXXX XXXX would not allow it stating that we did not pay a {$76.00} fee that is not listed anywhere. A collection agent is not supposed to be able to use small claims court under 12 O.S. 1751 ( B ), and that is what this attorney is. I was not able to go to court due to a XXXX, but the judge still gave a default judgment, with 850 % or {$2200.00} in attorney fees. My wife went to the hearing yesterday because it was a hearing on assets, but the collections attorney went ahead and put a stay on it. The court put down that the defendant failed to appear. So I'm not sure what is going on with the court. So the court and HOA 's attorney both have violated Regulation F. Wells Fargo has breached our mortgage contract, which is the point of this complaint. They have breached their duty of good faith by causing my wife and me undue stress with this lawsuit. We have written them, and they have sent us back 2 or 3 letters. I know the Plaintiff 's attorney wrote them because Wells Fargo sent us a letter telling us that they received a letter from him. We never heard what happened. I called Wells Fargo multiple times, and one time I was told, " sir, this is not our problem, you need to pay this. '' It is their problem. We don't owe these HOA dues, and they need to get this young man off of our backs. The small town Court could care less what we have to say. I'm copying our title company. I'm making a claim for title insurance. I found that the day our title insurance was taken out, the builder 's mortgage had not been paid off until the next day, XX/XX/XXXX. Wells Fargo did not make their title change until XX/XX/XXXX. The Homeowner 's Association made a huge change to the covenants in XX/XX/XXXX and completely changed them. Our household was not notified, and several others that I have talked to were not notified. The new document is very discriminatory, takes away all voting rights, and makes it to that 2-3 board members can do whatever they want in the name of common areas that are not even close to my house. They are also fining people for things done on city streets and their own properties. This puts an undue burden on the title. I'm putting a claim on the title insurance for the full amount. I also am claiming a breach with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a request to XXXX asking them to delete a medical collection debt because I never had any knowledge of this account and any medical services that are rendered to me I sign a HIPAA of 1996 notice which does not allow any release of any medical information or medical account information. This form states that my medical information or medical account information should only be discussed with the person that I have given access. I have never given XXXX access to my medical information or medical account information. XXXX is in direct violation of this federal law and I am requesting the debt to be deleted immediately from my credit file. XXXX did not get any permission from me to access any medical information or medical account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$440.00} XXXX XXXX  XXXX {$73.00} XXXX  XXXX XXXX {$180.00} XXXX  XXXX {$24000.00} XXXX  XXXX   XXXX {$530.00}
Product: Credit reporting or other personal consumer reports

Hi So this company XXXX XXXX XXXX XXXX XXXX XXXXXXXX did fraud on me
Product: Credit card or prepaid card

Charge # 1 On XX/XX/2019 I mistakenly authorized a transaction for {$1400.00} to a company called XXXX. 
Credit # 1 I notified CitiBank who then issued a security credit to my account on XX/XX/XXXX Charge # 2 On XX/XX/XXXX XXXX issued a credit to my account. 
But Citibank posted the credit from XXXX as another CHARGE Credit # 2 XX/XX/XXXX Citibank issued a conditional credit after I called to complain. 
Charge # 3 XX/XX/XXXX Citibank Reversed ( Charged ) {$1400.00} to my account again ( now the 3rd time ) and charged me {$72.00} as a transaction fee. 
XX/XX/XXXX charged interest of {$1000.00} even though I continued to pay my bill in full each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receiving my credit report, Ive discovered the following addresses are STILL listed incorrectly on my credit file. The following addresses are reporting incorrectly and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

XXXX reporting late payment from XXXX on XX/XX/XXXX for {$1000.00} XXXX reporting late payment for XXXX XXXX XXXX on XX/XX/XXXX {$3500.00} TransUnion reporting late payments for XXXX  on XX/XX/XXXX {$3500.00} and XXXX XXXX XX/XX/XXXX {$1000.00} All are fraudulent accounts and need to be removed from credit report
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights . Or list of inquiries 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

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didn't notify me XXXX  days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that i didn't pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report.

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ).
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

XXXX XXXX XXXX XXXX  - {$590.00} XXXX XXXX XXXX  - {$2200.00} XXXX XXXX XXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX  - {$1400.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX - {$510.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX - {$650.00} XXXX XXXX XXXX XXXX XXXX - {$460.00} XXXX XXXX XXXX XXXX XXXX - {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$1900.00} XXXX XXXX XXXX XXXX XXXX {$2800.00}
Product: Money transfer, virtual currency, or money service

My complaint is regarding the company Square. They have taken it upon themselves to lock my account for the third time within a 60 day period for no reason whatsoever. What really bothers me about this is Square does not notify the user that this is happening. There has never been unauthorized or fraudulent activity associated with my account and my account has been open and active with square for about 4 years. Every time I use my debit card or receive payment from a client I go to check the balance to ensure the payment went through and the payment does not show, the first time this happened Square put me in a very bad position because I thought the customer never paid when infact it was Square locking my account without having the decency to tell me. Now, every time I use my debit card for a purchase or I receive a payment Square goes ahead and locks my account for days for no reason whatsoever. It is impossible to run a business like this and I shouldnt be prevented from accessing MY money because Square deems it so. Square has put me in a bad position several times by preventing me from accessing my funds therefore I can not pay my contractors and hurting my reputation. I would have never submit a complaint if it wasnt serious as every time I call Square support they are dismissive, transfer to someone else that says there is nothing I can do and Im forced to wait days to be able to access my funds. This has to stop
Product: Student loan

In XX/XX/XXXX, I had contacted Navient to change the loan type to a graduated interest 30 year loan. At the time, I was told that it didn't make sense to consolidate my loans, because I'd essentially be paying the same amount every month regardless. Additionally, I was informed that the loan qualified for the Public Service Loan Forgiveness Program. I inquired about this since I was XXXX at the XXXX University of XXXX XXXX  as an XXXX, and was working full time at the XXXX XXXX XXXX XXXX/XXXX ( XXXX  ). 

Three years later, in XX/XX/XXXX, I attended a financial health workshop during the XXXX XXXX XXXX XXXX 's XXXX  XXXX conference. At that time, I was informed by the facilitator that my loan in fact DID NOT qualify for the the Public Service Loan Forgiveness Program. I was provided information regarding which loan types qualified, the need to have all of the loans consolidated, and that I needed to certify with my HR department at XXXX of my full time status every year for 10 years, and needed to make 120 on time payments. As a result, I paid on loans for three years without it counting toward the 10 year period for the Public Service Loan Forgiveness Program. 

Early last year, I consolidated my loans. However, it appears that the amount of the consolidation is more than what my total amount of loans were. 

I only recently learned that New York State has joined a class action suit along with XXXX against Navient, and hope to be part of that suit. In the interim, I'm hereby lodging a formal complaint against Navient and its mishandling of student loans and providing false information to borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the GrammLeachBliley Act, dated on XX/XX/XXXX I, XXXX XXXX, Consumer am aware that The financial institution which is in fact ( XXXX XXXX XXXX XXXX XXXX XXXX ) is in noncompliance with the GrammLeachBliley Act, which in fact fines are up to {$100000.00} ( per violation ). It is evident that XXXX  XXXX is furnishing my private information to the Credit Reporting Agencies and did not comply with The GrammLeachBliley Act and provide me with the appropriate opt out notice according to The GrammLeachBliley Act for me ( XXXX XXXX ) the consumer to " Opt Out. XXXX  XXXX is in consistent noncompliance with all my complaints and this is my last warning. Im aware that XXXX  XXXX is furnishing my account as 60 days Late in XXXX, 90 days Late in XXXX, and 120 days Late in the month of XXXX and XXXX of XXXX to the Credit Reporting Agencies when in fact there is only 31 days in XXXX and 30 days in XXXX. Thats very deceptive of XXXX XXXX. Im also aware that a Finance Charge is a sum of ALL charges According to The Truth In Lending Act. I demand XXXX  XXXX to remove EVERY and ALL Late payments from my Consumer Report. I demand XXXX  XXXX to Remove the status Charge Off from my Consumer Report because that is in fact extortion to me reporting Charge off on my consumer report. If XXXX   XXXX continues to report Charge off on my consumer report you will be in violation of collection of Collection of credit by extortion means 18 U.S. Code 894 which in fact carry 20 years of imprisonment sentence which XXXX  XXXX will get. I gave you the warning. I will take all actions necessary. Now do what is right, and stop extorting Consumers. It is not right. I refuse to allow my rights to be violated. I will make sure You be held accountable if you decide to not comply with my demands and hold XXXX XXXX accountable of your extortion your doing to me. My credit is important to me and it is my reputation, and your ruining my financial reputation reporting Charge off and I will take all legal action to protect my reputation. Do you understand me XXXX XXXX? My credit is important to me. Now correct all your errors. Best regards
Product: Credit reporting or other personal consumer reports

There is a collection account on my credit report from XXXX XXXX which lists Comenity Bank as the original creditor of the account. I don't recall having an account with your company. Can you please send debt validation for the account number XXXX. I will need to see the original contract bearing my signature because my information was compromised in the XXXX data breach. I will also need to see the forward flow agreement along with correspondence informing me that the account was being sold. If I had this, I would have known about this account and could have disputed sooner. Please inform me as to what the balance is and how much the account was sold to XXXX funding. Also provide me with the XXXX form since this account was written off. If you can not provide all of the information requested, and if you have not done an investigation into the XXXX XXXX breach claim when I have already provided my claim number, then please contact the collection agency and have them remove this account due to inaccurate reporting and the possibility of being taken to small claims court per violation of the FCRA and FDCPA regulations.
Product: Student loan

I have tried calling Mohela several times after requesting a pause on my payments for one month. I have been put on hold each time for multiple hours. I tried reaching out online. Most recently I have been waiting to talk to someone for over XXXX hours with no resolution. I have a running balance that I have been unable to fix. This is affecting my credit. Still, I am unable to get help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off 3 credit cards and they were marked as charged off from my credit the lines were closed however they are still marked as current and its hurting my credit. This was in 2017 and they are still on my credit report.
Product: Bank account or service

I received a second letter on Citi letterhead regarding an account XXXX XXXX had. 
XXXX XXXX had been decease since XXXX XXXX, 2009 and I, XXXX XXXX XXXX ( her daughter ) am the Executor of her estate. The letter states, If I believe the account was enrolled without consent of knowledge, I could go to www.Citi.comXXXX and submit a claim for potential refund. The letter also includes a customer reference #, and tracking #, but the website will NOT allow me to submit a claim.
Product: Debt collection

I have on my credit report bill from XXXX XXXX in the amount of XXXX at XXXX XXXX on the date of XX/XX/XXXX and on the date of XX/XX/XXXX Emergency room from concentric receivable I have had Medicaid since I was a baby was a XXXX XXXX XXXX XXXX and have had Medicaid my while like and a new law had past that medical bills should not show up on my
Product: Checking or savings account

Bank of America has cause major stress for me the last 30 days. I had ach transactions I e attempted to stop that they said would stop. They didnt, they went as far as having to close my account to try to get it to stop but yet it continued for almost a week. They finally got it to cease but instead of correcting the fees due to their error, they took the money for the fees from one of my other accounts. Didnt return my money. I had to fight tooth and nail to get those fees corrected because the system wouldnt allow them to go through. This was finally fixed after multiple calls due to their representatives dropping the ball.

Then, I had to dispute two items. Those of which were filed incorrectly. They gave me a temporary refund on the items, and because the items were filed incorrectly they later took those funds back out of my account. I was told it was because I didnt submit documentation l, but upon speaking to a representative, she and I both saw that no documentation was ever requested. So she then refilled it for me, but now Im out of that money too. Then I look today and theyve taken more money out of my account that I am now on the phone currently ( 45 min hold ) to find out what it is for. Im so sick of this bank. Im completely done!!! I wish I could sue the pants off them because there is no rhyme or reason for this especially when it all due to their own errors. Each and everytime. Im doing what I am supposed to as a consumer, yet Im getting the short end of the stick and they get to rob me blind with no notice whatsoever!!
Product: Debt collection

Ive recently received a copy of my credit report and noticed XXXX inaccuracies and unauthorized accounts/information reporting to my credit report. These have been detrimental to my credit health and my life. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX United States XX/XX/year> To Whom it May Concern, I, XXXX XXXX consumer and natural person, I am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 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 amount {$530.00} XXXX. XXXX amount {$1200.00} 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 Delete this account immediately, or other wise I will be seeking legal action {$1000.00} per violation I AM PREPARED FOR LITIGATION Sincerely, XXXX XXXX