23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am absolutely appalled by Mohela 's lack of communication and lack of ability to manage loans. I earned an XXXX student loan repayment XXXX, which requires proof of their payments to Mohela. When the Mohela site moved to the new platform, all of my payment history disappeared and I have been unable to receive the rest of my XXXX XXXX payments because I do not have the documentation to provide the XXXX. I have emailed Mohela repeatedly since XX/XX/XXXX ( at least 5 times ) requesting the payment history, and each time they respond and say they will provide it within 30 days. I have still not received my payment history, there is no payment history in my account, and it is now XXXX - 6 months after my initial request for the document. I am absolutely appalled by their lack of organization. 
Secondly, I received an email on XX/XX/XXXX stating that I had ONE DAY to recertify my income before the deadline to continue my XXXX plan. Their website explicitly says that they would provide 60-90 days notice. This is absolutely beyond unacceptable.
Product: Credit reporting or other personal consumer reports

Today is XX/XX/year>XXXX  FRIDAY.I am having trouble with a debt collector that is in Violation of the Fair Debt Collection Practices Act 15 USC 16921692p. LVNV FUNDING LLC needs to follow the FDCPA. Violation of Arbitration Agreement : The debt is subject to a binding arbitration agreement with XXXX XXXXXXXX XXXX XXXX XXXX which has not been honored, constituting a material breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX XXXX A Creditor XXXX XXXX  stated that I have an Account with them I have no knowledge of this account I have been trying to Dispute never ends up getting it resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX you responded to my last complaint and stated that two XXXX  XXXX accounts XXXX, XXXX and XXXX XXXX account XXXX had been deleted per my complaint on XX/XX/XXXX but as of XXXX XXXX I still show these accounts reporting. Please DELETE IMMEDIATELY
Product: Credit card

I was rebilled the amount of {$XXXX} following a fraud case where my card was stolen and used by somebody else. I had called on XX/XX/year> around XXXX to reopen the fraud investigation so that I can recover my funds/credit. I genuinely did not make any of those charges that were rebilled and the chase representative was stating that because the physical card was used, it was rebilled. I did not have the physical card the entire time because it was lost, stolen, and used by someone else. Thank you for your time and consideration.
Product: Debt collection

I pulled up my credit report and found this item on my report. I have never been contacted by this creditor and my 30 days to dispute this charge has lapsed bc I was not made aware of this charge. I do not know what this charge is for and would like to have the creditor to provide me with proof of the debt in writing.
Product: Credit card

I was XXXX from the company that I had a business credit card the actual owner in the beginning agreed to take over the debt in which BOA told me XX/XX/year> by XXXX a credit card XXXX that the account was transferred to the owner and I had no responsibility to the debt! However on XX/XX/year> I found out that the payment was late and needed to be paid and was told the account was not transferred! So now Im struggling with a financial hardship of paying a debt that Im no longer with the company and have no interest in the company at this time and stuck with a debt with BOA after several mis information from several bank employees of BOA
Product: Bank account or service

Capital One Bank close my money market account on XXXX/XXXX/XXXX, I advised them that I was dealing with fraud back in XXXX XXXX. I was advised not to open any more accounts until the fraud matter was resolved. No one sent me anything showing how many times I withdrew my account. I paid bills out of this account because I do not have a choice, I wish they would give me two weeks to make arrangments because my school tuition of {$110.00} was sent back and now the school will charge me a later fee of {$25.00} because it was due by the XXXX to avoid the fee. I had this account for over 10 years and now the account is closed. I do not have access to my money now because the account is closed and I have to wait on my check. The amount was {$180.00} minus the {$110.00} would have left me {$78.00} now I am being a {$25.00} fee because the account is closed, that fee should be waived because Capitol One chose to close my account. I opened a Capitol One 360 but I am unable to put any money in it right now, I was told it was due to Regulation D but it I also talked with an attorney and he advised that Capitol One could have given me more time before closing the account. Now my direct deposit is delayed and other bills will be late getting paid. I want my account reopened due to the way Capitol One conducted business with me. Capitol One should have did a better job of explaining it, I opened this account over 10 years ago and did not have issues until XXXX, the statement only times you what you withdrew but they do not say that you went over or anything.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance to recovering a portion of the data in my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX  XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX XXXX Balance XXXX : {$1300.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXXXXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX CA XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Checking or savings account

On XX/XX/year> I had a payment come in from {$120.00} I transferred the funds from my savings account to cover the negative balance before the cut off time to cover the XXXX payment, now Im being told that other transactions came through that did not cover the amount, I find this to be suspicious I am always checking my account online. Please investigate this issue. They have done this me once before and have admitted that it was an error on their end..
Product: Debt collection

I took out a payday loan back in XXXX or XXXX for XXXX $ I have not been contacted until a couple of weeks ago by someone saying he was a lawyer and that I could go to jail if I do not repay because my ACH is considered a hot check and its illegal and that I had until the end of XXXX to repay the entire XXXX $ well today is the last day of XXXX its the XXXX and I have been called by this man saying hes a lawyer 5 times back to back.
Product: Credit card or prepaid card

I bought a prepaid XXXX card for my grand daughter as a XXXX present. We had a hard time with activation. I called the company and they gave me a hard time also. They wanted my grand daughter 's information and I ask her to put in in my XXXX account and they refused. I bought the card and she just wanted to spend it like any other prepaid card. My grand daughter is only XXXX years old and I feel that they don't need her information. I would have gladly put it in my name and gave her the money another way. I bought this card at family dollar and they did not say you can not return it until I read the receipt instead of telling you when you buy it before you paid for it. Either way my {$50.00} is on this prepaid card and we are unable to spend it. Times are hard, she need things and unable to get her anything because we can not use the prepaid card. All I want is my money back in check form or another prepaid card that is not connected to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX : {$2800.00} XXXX XXXX XXXX XXXX : {$2800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX A XX/XX/XXXX
Product: Credit card or prepaid card

My identification was Stolen and someone has been using a cash app in my name with my information
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX 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 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: Consumer Loan

On XXXX/XXXX/XXXX, I signed a Retail Installment Contract and Security Agreement with XXXX XXXX, XXXX, WY, that was assigned to Wells Fargo Auto Finance. My payments were to begin on XXXX XXXX, XXXX and continue for 60 months. When I received my XXXX/XXXX/XXXX statement I was surprised to see a late fee assessed. On XXXX XXXX, XXXX, I spoke with a Wells Fargo customer service representative named XXXX about this late charge. Although the payment was mailed on XXXX XXXX, XXXX, she indicated that it had not been received until XXXX XXXX, XXXX. I was skeptical because past experience indicated that it typically took 4 to 5 days for my payment to arrive. For the next 31 months, I sent every single payment via certified mail, intentionally varying the weekday each was mailed. Not once did it take 7 days for my payment to arrive in XXXX ; in fact, it continued to average 4 days. Although the payments due in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX were received at the address provided by Wells Fargo Auto Finance prior to the XXXX of the month, I was assessed a late charge. On XXXX XXXX, XXXX, I sent a letter to Wells Fargo disputing the late fees and attached copies of the certified mail receipts that showed each payment was received at the Wells Fargo mailing address before the XXXX of each month. Payments are considered received when they arrive at the address designated by Wells Fargo, not when someone eventually opens the envelope. Wells Fargo has charged unauthorized late fees and has failed to return the title of my vehicle to me.
Product: Credit reporting or other personal consumer reports

I am victim of identity theft in my identity was stolen and here are the accounts that are not mine and need to be removed from all three different credit agency immediately XXXX Remove Below close acct XXXX XXXX, XXXX charge off XXXX Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello today ( XX/XX/23 ) I went to TD Bank located at XXXX XXXX in XXXX around XXXX. I went in to do a cash deposit of {$390.00} but it gave me back {$110.00} so Im missing {$280.00}. The ATM machine took my cash and told me to ask for customer service. It never gave me back my card or confirmed my deposit. I deposited the {$110.00} I got back from the ATM and was sent to wait for customer service. I was then told to wait till tomorrow ( XX/XX/23 ) to see if any changes occur on my bank statement. If there arent any changes I will visit TD bank to file a dispute with them. While searching online I read that this is a common occurrence with Td bank and that I should file a report to CFPB to help me with this.
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 NumberXXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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: Checking or savings account

I opened a new checking account with promotion offer from Chase bank in XXXX, XXXX. I met the requirement in the offer but has not received the bonus of {$300.00} as advertised. I kindly request the bank honor the offer and pay the bonus.
Product: Money transfer, virtual currency, or money service

My dad sent me {$1800.00} XXXX XX/XX/XXXX to put down on an apartment. I initially tried to pull all {$1800.00} out and it wouldnt let me so I pulled out {$900.00} in increments of {$300.00} over the course of a day per the instructions of their customer support. Then I logged on yesterday to try pulling off the rest and was told I was permanently banned from the service and they would be holding my money for 180 days. In the meantime Im going to be made homeless. I called customer support today and they couldnt have cared less she would give me information on this made up fraud or why money from my dad is risky or anything else. I didnt do anything fraudulent. I need MY money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a inquiry that showed up on my credit report, I found out via a alert from XXXX. 

I have not applied for any cards with XXXX XXXX This inquiry is adversely effecting me and trying to get a car loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The address : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX is registering under my credit reporting since XXXX. I have never lived there but my ex fiance whom I had a restraining against does. I believe he used my social security number.
Product: Credit reporting or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Account XXXX XXXX. {$17000.00} XXXX XXXX {$16000.00} XXXX XXXX as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$530.00} Status Account XXXX XXXX FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations XXXX not my addresses XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FCRA violations : not my names XXXX A XXXX. 
XXXX XXXX
Product: Student loan

I originally created an income share agreement with XXXX XXXX while I was a student  at XXXX University. The income share agreement was marketed specifically as not being a loan, and used institutional branding as well as an official university website to gain interest, in violation of Title 34 Part 601.12 which prohibits institutional cobranding. Before time for repayment came, the original servicer ceased to exist and outstanding accounts were transferred to Launch Servicing. When attempts to collect were made I was made aware by external parties of the misconduct made my the original servicers and as such I made Launch aware that I did not intend to pay for an agreement made in breach of federal law and in bad faith on the part of XXXX. They have since contacted a collection service to contact me about this debt.
Product: Credit card or prepaid card

The credit card was opened in my name on XX/XX/2022. I have not approved, was not aware of this. I do know anything about this credit card and am a victim of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive sent multiple letters to remove this 7 years and 6 month year old charge off account with a balance. on XXXX and XXXX XXXX  XXXX XXXX, Account Number : XXXX this account is a charge off with a balance of {$550.00}. A charge off means XXXX XXXX XXXX has written it off already and has been paid. It is inaccurate for there to be a past due balance if it is a charge off.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 168li ( 5 ) this accounts in violation not reporting 100 % accurate. Another reason you must delete. 
Also this charge account was opened XXXX XXXX, XXXX, that was more than 7 years ago this means the charge off by law must be deleted. 
Also I respectfully Contacted XXXX XXXX XXXX  and requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have not been able to provide such proof to me therefore you are reporting misleading false accounts.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. The item must be deleted from the report expeditiously. I have listed over 5 consumer laws you are violating.. 

also there is unauthorized inquires on my reporting that i did not give permissible purpose for and most be deleted. 
XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

If Equifax, XXXX and XXXX continues to ignore every dispute letter I send out I will have to take legal action against all three bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, GA XXXX [ RE : XXXX XXXX  XXXX # XXXX ] Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX # XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely,
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion for my account with XXXX. These late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts, including this account.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, under the FCRA, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively, which provides for damages, including actual damages, attorneys fees, and possible punitive damages for failure to comply with the Acts requirements. 

Summary of the XXXX account errors Incorrect Late Payments : All bureaus report a 30-day late payment, despite on-time autopay setup.

Inconsistent Account Status : Account is marked " Paid '' but shows late payments, which is contradictory.

Varying Reporting Dates : Each bureau lists a different " Last Reported '' date. 
Credit Limit Discrepancy : TransUnion and XXXX report a {$250.00} limit, while XXXX inaccurately shows {$0.00}. 
These errors violate FCRA standards, and corrections are needed for accurate reporting. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX