23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Revco Solutions, I am writing in response to your letter dated XX/XX/year>, concerning my complaint submitted to the Consumer Financial Protection Bureau ( CFPB ). I must address a critical issue regarding a light bill that I received, which is associated with an individual and company that I have never heard of.

This bill represents an unauthorized communication and a clear violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically : 1. **Section 804** of the FDCPA states that a debt collector may not communicate with a consumer regarding a debt if the collector knows that the consumer is not the individual to whom the debt is owed. By sending me a bill for someone else 's debt, you have failed to adhere to this regulation.

2. **Section 806** prohibits debt collectors from using any unfair or unconscionable means to collect or attempt to collect any debt. Sending me a bill that is not related to me constitutes an unfair practice.

Due to these violations, I am formally requesting {$1000.00} in damages, as allowed under the FDCPA. This amount reflects the distress caused by receiving erroneous and potentially damaging information regarding a debt that is not mine.

I require a prompt written response confirming that my request for {$1000.00} in damages will be honored and that you will take immediate steps to rectify this situation to prevent future occurrences. Additionally, please confirm that my request for you to cease all communication with me has been fully implemented.

Please respond to this matter within 15 days of receiving this letter. Should you fail to address this issue adequately, I will have no choice but to explore further legal action to protect my rights under the FDCPA.

If you have any questions or need further information, you may reach me at [ your phone number ] or [ your email address ].
Product: Credit card or prepaid card

I open an Macy account for a credit limit of XXXX never received my first statement so they waved the late fee upon receiving a letter today they deceased credit limit to a $XXXX which is why I’m filing a complaint because at the time of me applying my fico   was ok  I only agree to keep the account going was because of the limit I free trick and played this should have never happen  XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX  That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE
Product: Credit card or prepaid card

2 Citicards. Did not receive XX/XX/XXXX or XX/XX/XXXX statement by email for 1 and when I rec 'd XX/XX/XXXX statement I saw interest and late fees. Did a search of spam etc for my gmail and there was no record of the statements being received. I have been their customer for 23 years and always pay my full balance on time. After arguing with several people who told me they would not remove the fees, I sent a letter. Then I received a phone call saying they would remove the fees. I made sure to change paperless billing to receive a bill in the mail for both of my citicard accts. 
So I was satisfied but suspicious. I could have deleted 1 email by mistake but not 2.

Today I received an email stating that my other citicard pmt was delinquent. Same story, only this time only 1 statement was n't received. And this acct had supposedly been changed to paper statement. I called and the fees and interest were removed. 
My concern is that they do n't make much money off people like me because I always pay in full and on time. So I think they are sending late notices when the consumer has n't received a statement, claiming the email was n't 'bounced back '' so I must have received it. I do n't see how this could have happened with 2 cards, me missing 3 emails. It 's just not possible. There is nothing more I 'm asking from Citicards but I want you to be aware in case you get any other complaints. In light of what XXXX XXXX pulled, I would n't put it past them. 
Thank you. XXXX XXXX
Product: Credit reporting

Before XXXX purchased this student loan from XXXX i was under an approved Deferment and i am seeing that I have been reported 60 days late XX/XX/XXXX and XX/XX/XXXX
Product: Debt collection

XX/XX/XXXX amount {$520.00} the company list this debt as a collection on my credit. I've never had nor applied for credit with this company. I requested proof of the debt via application and or my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2015 XXXX XXXX entered me into the EWS with accusations that I abused my bank accounted stating that the combined loss and fee reversal ended in a total of {$200.00}.
Product: Credit reporting or other personal consumer reports

Subject : Failure to Correct Duplicate Student Loan Entries by Experian I am filing this complaint due to Experian 's repeated failure to correct significant errors on my credit report. Despite multiple disputes filed regarding the inaccurate duplication of student loan entries by the Department of EducationXXXX XXXX Experian has not taken appropriate action to resolve these errors. 

Detailed Issue : Nature of Dispute : My credit report incorrectly displays multiple entries for student loans originally held by the Department of EducationXXXXXXXX but were transferred to XXXX XXXX XXXX These loans are still appearing as active under the Department of EducationXXXX on my credit report, with duplicate entries updated as of XX/XX/2023, for various amounts, totaling 15 erroneous entries.

Dispute History with Experian : I have disputed these inaccuracies with Experian on multiple occasions. Each time, my dispute has been either dismissed or inadequately addressed, with no proper investigation or correction made. This continuous oversight on XXXX part is unacceptable and unprofessional, contributing to ongoing inaccuracies in my credit profile. 

Impact of Inaccurate Reporting : These duplicated entries misrepresent my debt level and creditworthiness, potentially affecting my financial stability and ability to secure future credit opportunities at favorable rates. The lack of resolution from Experian has directly impacted my financial health.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX Account : # # # # # # XXXX XXXX XXXX XXXX, XXXX Account : # # # # # # # # # # # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX Account : # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX Account : # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account : # # # # # # # # XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX - XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX, XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX 15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions
Product: Student loan

XX/XX/XXXX Submitted application for XXXX  payment plan on Mohela website. Mohela cancelled application because they needed supporting documentation which was not asked for during application process online. 

XX/XX/XXXX submitted supporting documentation. XXXX was put into administrative XXXX  while application pending XX/XX/XXXX administrative XXXX  expires and XXXX  application not approved XX/XX/XXXX After XXXX XXXX  on the phone being disconnected multiple times, customer service said that XXXX application was approved in the system in XX/XX/XXXX but not entered into my account. Representative said they are expediting rush to enter in my account. 

XX/XX/XXXX is my payment due date. If it is not resolved by then and adjusted to the new plan, my payments will not count towards XXXX XXXX XXXX XXXX. If they put me on another forbearance to figure it out again, it will also not count for XXXX XXXX during that XXXX  because it would be called a processing XXXX  which is not the same as an administrative XXXX. I have XXXX XXXX  left until loans are forgiven. 

I should not be penalized and not granted credit towards forgiveness when I did everything correctly and Mohela is making mistakes on their end. This should not take over XXXX XXXX to complete. 

My previous loan servicer made changes in less than XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy in XXXX  - ChapteXXXX XXXX  - bankruptcy discharged in XX/XX/XXXX. Why is this remaining on all 3 credit reports when we are now at 8 years since discharge?
Product: Debt collection

XXXX XXXX XXXX  robocalls me daily about medical debt in a city I dont live in ( XXXX ) 300 miles away, when I verifiably have no outstanding debts and good credit. Phone numbers they have used are XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX. They actually tried this same scam years ago on the same kind of non-existent debt in the same city ( XXXX ). Ive had enough. They need to be punished severely for scamming XXXX knows how many people.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that TransUnion efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. TransUnion is reporting inaccurate information on the accounts listed below. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Request to remove inaccurate information from Credit report On or about XXXX of 2016 I was assessed an annual fee in the amount of 39.00 to my Capital one Credit card. First, I never told the card had an annual fee when I was solicited to apply. Therefore I didnt expect any charges as I was not using the card. 
I returned from vacation to find a past due notice for the account, as well as a 30-day late notice alert from the credit reporting agency. Knowing that I had been out of the country and hadnt use the card. I immediately called to Capital one to report this charge as fraud. 
Only then did I learn that an annual fee was assessed to the account and not paid. I explained that I was never told about an annual fee, and I had been out of the country and therefore, unaware and unable to pay any fee at the time of assessment. I requested that the late fee and 30-day late report be removed considering the circumstances. I was told to send in an explanation, and it would be reviewed. So, I did. This was in XX/XX/2016 
I was contacted bout 15 days later and told that the late fee and report to the credit bureau would be removed, however I still needed to pay the XXXX annual fee first. So, I paid it over the phone. The Capital one agent also suggested that they issue me a Zero annual fee card, to prevent this from happening in the future, so we did that as well. Which I still have now. 
I was told it would take a up to 30 days for the credit items to be corrected on my credit report, but I was assured it would be taken care of. 
Now I see this error is back on my credit file. 

I recently contacted capital one again and they asked me to re-submit my request as the old request was lost. I was just notified that they would not be removing the error from my report because they see it as accurate, although they had agreed to remove it before in 2016 and took my payment. Otherwise, I would have just told them to close the account.
Product: Checking or savings account

On XX/XX/XXXX a transactions of XXXX was approved by XXXX then on XX/XX/XXXX a transaction of XXXX was a approved by XXXX on XX/XX/XXXX I filed a claim with Wells Fargo to dispute these charge which were not authorized  by me. On XX/XX/XXXX Wells Fargo came to a decision to denied the claim
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexisnexis is reporting information to the XXXX credit bureaus that should not be reporting.
Product: Mortgage

I have a loan with CARNGTN MTG. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CARNGTN MTG with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XXXX - XXXX, XX/XX/XXXX / XXXX - XXXX, XXXX - XX/XX/XXXX, XXXX - XXXX, XX/XX/XXXX.
Product: Prepaid card

Received {$50.00} prepaid card AMX when bought cell phone 2 years ago. Exp. XX/XX/XXXX on card. Went to use yesterday, and find out they have been charging {$4.00} per month fees since XXXX 2016, and now I have almost no money left. They claim they emailed with info. I never received said information ; and had changed my email address. I never thought to inform them, since it was a prepaid card. They say tough, they informed everyone via email they had on file. Never received anything in writing by mail. Seems like these fees should be documented via return receipt verification. They will not reimburse the fees. Funds do n't expire, they just steal the money using what they call legal fees. I would have spent the money earlier if I had known the fees were adding on there. Outrageous that these CC companies can charge this on prepaid money.From : California Code of Civil Procedure Title 10, Chapter 7 - Unclaimed Property Law 1522. 
Deduction of Fees No service, handling, maintenance or other charge or fee of any kind which is imposed because of the inactive or unclaimed status contemplated by this chapter, may be deducted or withheld from any property subject to escheat under this chapter, unless specifically permitted by this chapter. 
Even when specifically permitted by this chapter, such charges or fees may not be excluded, withheld or deducted from property sub ject to this chapter if, under its policy or procedure, the holder would not have excluded, withheld or deducted such charges or fees in the event the property had been claimed by the owner prior to being reported or remitted to the Controller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing for two reasons. I was not informed or included in a legal settlement with CPFB and Nationstar Mortgage, dba Mr. Cooper. I believe that I should have been included in the damages paid for Mr. Cooper 's fraudulent practices because I have been complaining for years about their fraud in my mortgage account. Secondly, I am including documentation that shows Nationstar fabricated my credit report by reporting late payments when I paid on time. The discrepancy in my payment and the mortgage amount is because of Mr. Cooper manipulating my escrow account and changing my mortgage payment frequently without adequate notice starting XX/XX/XXXX and continued unit XXXX. I have never been 30, 60, or 90 days late for any mortgage payment. Nationstar has a routine practice of changing escrow with less than 30 days notice then holding timely payments in a separate suspense account and not giving credit for the payments made on time. The amount of the differences were less than {$100.00}. Nationstar routinely made adjustments then penalized mortgagees and damaged my credit for no reason other than manipulation of my account. The statements that I am providing were created more recently and were never provided to me at the time of the alleged late payments. The statements show payments being received by Nationstar when they were reporting my payments late but in fact where deposited into a suspense account. This should have been part of the litigation settlement which I should have been a part of. I did request a forbearance which I received because I temporarily lost my job during the Great Recession. The problem I have is that Nationstar has refused to remove the negative credit report because of their malfeasance in manipulation of escrow. Regular and frequent escrow calculations are not the norm in any other mortgage servicer and XXXX did so out of fraud. I have attempted to get clarification from Nationstar but they have never provided a full accounting for why the escrow frequently changed from month to month from XX/XX/XXXX until XX/XX/XXXX. In addition, Nationstar has frequently reported payments made on time as late which has damaged my credit score for years.
Product: Checking or savings account

On XX/XX/XXXX, I logged into my account and discovered it was overdrawn with PENFED. I called to inquire why XXXXXXXX XXXX was withdrawing funds from my and requested to cancel the transaction, recredit my account, and close my current account to open a new one. The representative transferred me to the fraud department for credit cards. After going through the entire process with her, she informed me that she couldnt assist me and didnt know why I was sent there. I then contacted XXXX 's directly, and they confirmed that my account with them is fully paid and closed ; they have no explanation for the unauthorized deduction. I have an issue with my account. This matter needs to be addressed immediately. I have not received any assistance from the bank regarding this issue, and my account currently has a negative balance of {$30.00}.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX Earnest sent a payoff letter for an installment loan we had taken out via their website. The loan was in good standing and we never missed a payment or were reported late. The payoff letter clearly stated, " Balance : ( payoff now ) {$5200.00} ''. The letter further states that if paid on XX/XX/XXXX the balance would reduce to {$4800.00}. This loan was paid through a settlement at XXXX XXXX XXXX on Friday XX/XX/XXXX and the check was received by Earnest on XX/XX/XXXX according to the signature from the XXXX receipt. XXXX XXXX sent a check ( attached ) for the amount of {$7200.00} leaving a {$2000.00} overage. After contacting Earnest several times to receive the overage back, we have been unsuccessful in obtaining our money. We have spoken with XXXX and XXXX several times via telephone at XXXX, and although they are/have been extremely kind and cooperative, nothing has been done to honor their payoff amount, nor have we received any satisfactory account and return.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/year> RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

LIST ALL HARD INQUIRY AND DATES HERE under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ). 



Sincerely, XXXX XXXX
Product: Mortgage

I have filed dispute with Chase regarding about HELOC mortgage last month. I have tried to call them to resolve issue but they keep saying has no information. They mailed me letter saying that they charged off mortgage in XX/XX/2009. Over 9 years, they never sent me any information and I cant believe that how good they are : (. I filed bankruptcy and want to sell my house through the bankruptcy but it was so hard with Chase and they dont give any information and now time consuming and I want to know why they charged off and I paid for tax cancellation long time ago and they still asked me to pay and not release mortgage. They are confusing me. All I want they need to let me know what they want to do. They were cheating while they gave me HELOC loan even though during that time I did not have job or cant pay it and they still give me loan and end of I cant pay