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

Subject : Formal Dispute and Complaint Regarding Inaccurate Student Loan Reporting and Breach of Privacy To Whom It May Concern, I would like to formally dispute the inaccurate reporting of my student loan accounts serviced by MOHELA. I have recently discovered multiple severe legal violations concerning the handling and security of my personal information associated with these loans. Due to these breaches, I am requesting the immediate removal of these accounts from all credit reports and databases in which they have been recorded. 

Specifically, my personal and financial information related to these student loans has been improperly accessed by unauthorized third parties, including but not limited to XXXX XXXX and/or his affiliated entities. This unauthorized access constitutes a clear violation of my privacy rights and the following federal laws : The Family Educational Rights and Privacy Act ( FERPA ) My educational records and related financial data were accessed without my consent, directly violating FERPAs protections against unauthorized disclosure. 

The Privacy Act of 1974 My personally identifiable information ( PII ) was unlawfully disclosed to unauthorized individuals and entities, breaching my fundamental right to privacy under federal law. 

The Higher Education Act The mishandling of my student loan records and unauthorized third-party access violate the statutory protections afforded to borrowers under this act. 

These egregious breaches not only invalidate any data associated with these accounts but also demonstrate gross negligence in protecting borrower information. I demand the following corrective actions : The immediate removal of all student loan accounts serviced by MOHELA from my credit reports and any other reporting agencies. 

A full investigation into the unauthorized access of my private information, including disclosure of the parties involved. 

A written confirmation that my disputed records have been corrected or deleted to prevent further unauthorized access or reporting inaccuracies. 

Failure to address these violations in a timely and satisfactory manner will compel me to pursue all available legal remedies, including but not limited to filing complaints with the U.S. Department of Education, the Consumer Financial Protection Bureau ( CFPB ), and initiating legal action for damages resulting from these violations. 

Please provide a response to this formal dispute within the legally required timeframe. I expect MOHELA to act in compliance with federal law and take immediate action to rectify this serious matter.
Product: Debt collection

I inquired with the company about a debt on my credit report on XX/XX/2018. They responded to complaint with one set of papers trying to say the account for the rental property was mine, when at the time I lived in another state and was working a XXXX XXXX job for 18 years at the XXXX XXXX XXXX I was living in to show I also have proof that I did not get the rental. I asked the company to show me ID used they could not produce one. They have sent me 2 different sets of paperwork.
Product: Checking or savings account

Tuesday XXXX XXXX my bank Wells Fargo sent me a email. Stating that I was charged an amount of {$270.00}. For a transaction correction I contacted my bank. To address the problem at hand. I spoke to an operator she told me she wasnt sure, why that was appearing on my bank statement. So then I was placed on hold for 10 minutes so she could speak with a supervisor. to figure out what was going on with the ( transaction correction ) on my account. I was then told that the amount of money was due to a check. That was deposited a year ago she explained, that she wasnt sure why it took this long for that check to finalize. She informed me that it could be either due to the insufficient funds, the check could have bounced, or that the bank credited me the money. From that check and the only option that they presented. to resolve this ordeal. Was to send me a record of my bank statement. for that check from a year ago. Now do to negligence of Wells Fargo I would have to pay the amount of {$270.00} For what happened. they told me that they will be sending me the form. in one or two business days. This isnt the first time my bank does this to me. Im getting sick and tired of this behaviors from behalf of my bank!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, we rec 'd two unwanted cards we needed to activate, due to XXXX XXXX changing banks. We did so, and per directives, destroyed the old cards. About three days  later, we began finding out odd things. First, the credit bureaus reported the former XXXX   accounts closed XX/XX/2018. However, the cards worked thru the morning of XX/XX/2018. We were told PINs would be automatically sent on XX/XX/2018. When they hadn't come in two weeks, we called and we were told they would be sent again. There seemed to be little interest in what happened to the first ones. Finally three days ago, one of the two PINS arrived. When I communicated via secure message, I was told ( today ) that another (! ) PIN would be sent for a name not at all a part of our account. When I just called about that, the agent suggested it must be a fraudulent message ( in their secure message account!!! ). The lack of the credit limit has prevented us from automobile shopping needed to be completed for a grandchild. There's an unknown person receiving one of our PINS. We are financiually vulnerable.
Product: Checking or savings account

Capital one didnt deposit money on time. My bills have been late due to this issue. I got hit with several late fees
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. 

Account name : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On or about XX/XX/2017 I notified Bank of America about fraud on my account, XXXX XXXX XXXX XXXX Bank of America claimed that the charges were valid because of an inconsistency, that the card that was reported was used was the AU card and not the primary card holder. 

Despite numerous, calls and letters Bank of America has not provided documentary evidence to support their claim. I asked for receipts from the merchants but BOA refused to provide them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the Credit Bureau on XXXX XXXX 2018 in regards to inaccurate information on my credit report such as jobs, phone numbers, addresses and inquiries. Recently I've become educated on the importance of credit as well as the common errors reported to credit agencies. In the recent months as I've gathered my reports and was able to spot multiple inaccuracies in which I immediately began to contact all 3 credit bureau 's to dispute the inaccurate information, they have unfortunately failed in the removal of all of this information. I'm sure all parties involved are aware of the importance of credit and the information that credit granting agencies can see are essential to the credit granting process for any consumer. And if the information is incorrect it can have a negative impact on the consumer ( me ). Well this is exactly what has happened no matter my efforts to repair/ rebuild the inaccurate information has has a destitute impact on my progress. And although they responded to my request in impeccable timing they have failed in the actual removal and updating of this inaccurate information, which has lead me to get a third party involved.
Product: Debt collection

I have already told conns I will make payment by a certain date. They continue to ask for payment. I have been receiving anywhere from 8-15 calls a day. They also email me several times a day to try to collect on the payment. Today I have received 15 calls already and 3 emails stating I need to make arrangements when a date has already been given. I refuse to make post dated payments because they always try to run payment the day Im setting up the arrangement causing me to overdraft and incur fees from my bank. This has been going on for over a month!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding the complain that was filed in  XXXX . Complaint #  XXXX . All concerns was addressed  EXCEPT the Dept of Education com plaint. Account #  XXXX  which are  XXXX  accounts. Both showing delinquent with a balance. This account has been paid and never delinquent. The information was sent to Equifax in  XXXX . They never responded to this particular issue. A letter was sent to Equifax b y US Dept of Education a nd I sent the same letter. Also, a updated letter was sent to Equifax, stating this account was paid in full and never late in  XXXX .
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, XXXX alerted me to a hard inquiry on my credit report from XXXX XXXXXXXX XXXX XXXXXXXX. I did not apply for this or ever authorize them to review my credit. I would like this inquiry removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I am writing to file a complaint against XXXX XXXX, Experian, and XXXX. 

I have made several disputes with the credit reporting agency reporting that XXXX XXXX was not accurately reporting information. The balance that XXXX XXXX is reporting to the credit agencies as {$11000.00} does not reflect in the transaction history ledger that XXXX XXXX provided. I recently sent a debt validation letter to XXXX XXXX requesting that the lender provides transaction and balance history. Per the documents provided by XXXX XXXX on XX/XX/XXXX, The balance on this debt after any interest, fees, and liquidation costs was only {$7900.00} as of XX/XX/XXXX. However, an inaccurate amount is being reported and neither has XXXX XXXX provided a explanation for the higher balance. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required and under laws of state and federal statutes. I am requesting that this item be removed from my credit report immediately. 
Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX XXXX to date. 

I am requesting your assistance in putting an end to this matter.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had a credit card with TD Bank, and set it up with autopay. I had the autopay removed so I could control my bill paying better. I was informed that the autopay had in fact been removed. In XXXX, I remitted the amount for my monthly statement. The same day TD bank took, the monthly statement amount, plus the amount for all current charges, which totaled XXXX. I contacted them, and they verified that the error was theirs, and that a refund would be issued with 5 to 10 business days. After phone calls on XXXX XXXX, and XXXX XXXX, I got the same response. As of XXXX XXXX, I do not have the XXXX refund, which they said would be another 5 to 10 business days. I want my money ... ... ...
Product: Money transfer, virtual currency, or money service

On XX/XX/year> my phone was stolen and {$1.00} was taken from my cash app checking account and transferred to a XXXX XXXX XXXX account which I do not have a account with them. I contacted both cash app and the XXXX XXXX XXXX to start a dispute and it basically got denied on cash app end. They said it showed no foul play but that isn't true because I never had a account with XXXX.
Product: Credit card

Telephone representatives that represent Synchrony Bank ( XXXX XXXX ) are refusing to give me access to my XXXX XXXX account so that I can make payments. After becoming ill ( and having to miss work for a time ) they locked my on-line account, and claimed a charge-off. I had already signed a prior contract to make payments of {$50.00} a month until the amount was paid off or caught up ; so they broke the contract, locked me out of my account; and as a result, my credit score is being negatively affected. I wish to have the account unblocked so that I can continue to get the account to a current state. They are engaged in unfair business practices.One should not have to argue to make payments on ones own account. The account is still active when they are claiming it's not. When I attempted to make a new account I received the message that I couldn't because their was already an account with my information. So they are actively lying. 

Thank you.
Product: Credit card or prepaid card

I've had my Capital One credit card for over 5 years, and I was notified today ( by a third party credit monitoring service ) that my card had been closed. I contacted Capital One immediately to inquire about why they closed it, and they said it was closed due to 12 months of inactivity. 

I asked if I was notified previously about my card potentially closing, the customer service agent said they would have notified me via mail and email. I let the agent know that I was 100 % not contacted by email and that email was my preferred method of communication because I've moved temporarily due to covid. I also said I don't remember a clause about card cancellation for inactivity in the terms and agreement of the credit card policies I agreed to. The agent said there was no clause like that included ( so the customer is held to certain standards but the company isn't? ). And although being told that my account was recently closed at the beginning of this month XXXX XXXX XXXX, he said there was nothing that could be done. 

Instead, his solution was to reapply for another credit card with Capital One. So wait, you won't reopen my old account but your solution is to open a new one? My credit limit was XXXX and as I previously mentioned, I was a customer for over 5 years. Therefore, my credit card utilization and length of accounts will affect my credit score negatively, and this is being done in the middle of a pandemic at that. 

If I missed a credit card payment, they would have emailed, mailed, and called numerous times to collect payment. So I wish they would have tried harder to contact their customer about potentially closing their account due to inactivity- I would have gone out and used my card the same day.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : XXXX XXXX Date opened XX/XX/XXXX Balance Status Paid, Closed. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$670.00} Status Account charged off. {$670.00} written off. {$670.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Account charged off. {$990.00} written off. {$990.00} past due as of XX/XX/XXXX. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$380.00} written off. 

XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$240.00} Status Open. {$240.00} past due as of XXXX XXXX. 

XXXX  Potentially negative Date opened XX/XX/XXXX Balance Status Paid, Closed. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$630.00} Status Collection account. {$63.00} This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. I have also attached Official document from the state of Florida that proves i was incarcerated during the time that these accounts were fraudulently opened. Please let me know if you need any other information from me to block this information from my credit report.
Product: Debt collection

ACCOUNT NAME PARAMOUNT RECOVERY ( Original Creditor : XXXX XXXX XXXX ) XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Money transfer, virtual currency, or money service

XX/XX/2020 was my last documented " completed '' and successful transaction with cash app. A short time after, I discovered my account was closed. An email was sent to XXXX XXXX XXXX. I received the attached response stating that I have violated section 4 and 5 within the terms and agreement/policy. I have sent several additonal emails to XXXX XXXX XXXX requesting the reason as to  why account was closed. I did not recieve any previous notifcation of policy violation nor was this fraudulant. I requested several times details regarding my account closure and I have yet to receive a response with details. I did not report fraud on my account and I feel this is incorrect. 

Per Cash App Term and Conditions given. 

4. Your Liability for Unauthorized Transactions Contact us as soon as possible if you think there has been unauthorized activity on your account. Depending on the circumstances, if an unauthorized transaction has occurred we may be able to cover you. 

Please let us know if you believe there is an Unauthorized Transaction on your Account. You could lose all the money in your Account. 

We will protect you from Unauthorized Transactions in your Account. When this protection applies, we will cover you for the full amount of the Unauthorized Transaction, so long as we were able to complete the Error Resolution procedures described above. 

An " Unauthorized Transaction '' occurs when money is sent from your Account that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to access your Account, and sends a payment from your Account, an Unauthorized Transaction has occurred. However, the following are NOT considered Unauthorized Transactions : If you give someone access to your Account ( e.g. by giving them your login information ) and they use your Account without your knowledge or permission, unless you have notified us that transfers by that person are no longer authorized ; If you, or someone else with whom you are acting in concert, act with fraudulent intent ; or You reverse engineer or chargeback a transaction made with your Cash Card. 
5. Our Liability We will cover your losses for certain incomplete or incorrect transactions, detailed here. 

If we do not complete a transaction to or from your Account on time or in the correct amount according to these Cash Terms, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance : If, through no fault of ours, you have insufficient funds in your Account to complete the transaction ; If the ATM where you are making the Transaction or using your Cash Card does not have enough cash ; If the Cash App was not working properly and you knew about the breakdown when you started the transaction ; If circumstances beyond our control ( such as fire or flood ) prevent the transaction, despite reasonable precautions that we have taken.
Product: Money transfer, virtual currency, or money service

There needs to be a serious investigation into the repeated complaints with customers/users of PayPal. I now have another issue. They are terribly slow to respond and address my concerns. I have emailed their executive team ; including the listed CEO ( XXXX XXXX ) They need to do a better job of addressing concerns of users/customers like me. I recently changed my mobile phone number. I went through all the security questions and verification of my phone number. The representative I spoke with sent a security code to my phone which I verified, however whenever I need to complete a transaction or if their system wants to confirm my phone number is not showing, and it is not accepting it. It is a new number assigned to me by XXXX ( my cell phone provider ). Can they have someone that manages these matters please fix this problem? I am providing all the screenshots as proof that my phones old phone number was removed/deleted from their system and the new number added. Please consider examining this company 's processes if customers/users like me must file complaints quite often! This is not a good thing, and it makes the company look bad at how they are conducting their business.
Product: Payday loan, title loan, or personal loan

This is my third attempt in trying to resolve a car title loan issue. In speaking with XXXX back in XXXX about the loss of my job, they modified the loan only I as I told them on the phone, I had no income and but was asked to pay {$1200.00} more dollars anyway. I have now paid a total of {$1800.00} on this loan and I can not come up with the remaining {$400.00}. Im asking XXXX to please forgive the remaining {$400.00} and allow me to have my car title returned as this is our only form of transportation. I paid {$800.00} of what they were asking. I am still unemployed and on welfare right now. I need this car to find work and get my kids around. I had no idea I would lose my job and it put me in this situation