23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am getting harassed by Pressler, Felt & Warshaw, whom claim I owe {$18000.00} for a student loan which is completely false. Ive went to a college for about a semester & a half and my mother paid for the XXXX XXXX I attended. They keep sending mail to my mothers house and threatening to garnish my paychecks for a student loan which I never took. My mother gave them my current address and now I received a letter saying they will garnish my paychecks as of XX/XX/2024. I am currently seeking how to file a motion to stop the garnishment. I have sent a letter that I attached below disputing the claim XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified in XX/XX/XXXX by XXXX XXXX, a fraud detection service that there was activity on my credit report. The information showing up was an account opened through Moneylion INC XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX on XX/XX/XXXX. The account number shown was XXXX and it shows secured loan of {$510.00} per month paid bi weekly for 11 months. I do not use credit for anything so this was a big red flag. I have no knowledge of this account or this company. I took the steps to look at each credit report in XX/XX/XXXX after notification and filed a dispute of this account. Both XXXX and XXXX   have deemed this account as accurate after my dispute. I placed a fraud alert on all 3 credit reports too. After that information, I went on identitytheft.gov and followed the steps. A letter was mailed on XX/XX/XXXX along with phone calls to Moneylion to let them know the account was fraudulent. They told me to fax in the requested paperwork along with a signed affidavit and I did that. I was then told no, that's not enough, you have to file a police report. I then contacted the XXXX XXXX Co Sherriff 's department and told them what was going on. They said they can not take a report because no money was taken, it was only a fraudulent report and to dispute it. This company refuses to release this account and take it off my report. I have taken all the necessary steps and they are not cooperating. Please help!
Product: Credit card or prepaid card

I filed a dispute with Chase around XX/XX/XXXX about {$220.00} charge from XXXX. The reason I filed the dispute is I returned everything in store face to face but XXXX didn't refund me. And I kept the return receipt as the supporting document. Chase got response from XXXX saying they never got my return so Chase asked me to provide the return receipt. This is all acceptable and understandable. I did send the return receipt to the email Chase provided right after they called me. But then they called me saying they still haven't received anything from me. We confirmed the email address again and I told them I would send the email again which I did right away. I also told them to call me back if they still couldn't get it which they didn't. Instead I got a letter from Chase on XX/XX/2019 asking me to provide the document again. I was trying to upload the document through the secure messages but I couldn't due to their website technical problems.Then I emailed again and called the dispute customer service again asking about this. They asked me to fax it. I faxed two times in the morning on XX/XX/2019. Then I also called them to confirm if they receive it or not. Shockingly, they still told me they haven't received anything. On XX/XX/2019, I called Chase dispute service twice. First time the lady told me they still didn't see anything from me but second time another lady told me they got my fax. However, on XX/XX/2019, this guy from Chase called me again telling me they are still waiting for me to provide the document and told me they haven't got anything from me. I am so upset and frustrated with all this inefficient communications. I am the one being cooperative and keep calling them and sending them the documents so many times. But instead of checking through its own process, Chase only knows to call me and keep asking me for the documents that I already provided by fax or email. This is really painful to me and really unacceptable.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/2023 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: Debt collection

XXXX is giving out False information to Equifax of {$1500.00} and Equifax wont remove this debt collection for my credit report when I sent Equifax A copy of the bill. And I have a freeze and a credit monitoring alert on my account this that is incorrect when I have paperwork showing that the amount is incorrect.
Product: Checking or savings account

In XX/XX/2020, my account Chase checking account was closed abruptly. I suspect my identity was stolen as Chase representatives received alerts of suspicious money coming into my account of which I had no knowledge. I filed an identity theft claim with the state as it seems as if someone had used my account to apply for unemployment benefits. I did not notice the external transfer at the time as I was receiving legitimate unemployment benefits from the state of texas. Chase had explained to me that I had to identify the person that trying to externally access my account otherwise they would not release the approximate XXXX dollars I had in my checking account. I do not believe this was my fault as I did not get the chance to investigate the issue before my account was closed without prior notice or explanation. I would like to open a new account with Chase and would like the funds from my previous account if possible.
Product: Credit reporting or other personal consumer reports

I have a XXXXXXXX XXXX  Account reporting on Experian thats a charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that you continue to list the dismissed bankruptcy as confirmed. Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings. The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may neve r have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed ChXXXX bankruptcy in XX/XX/XXXX, included was XXXX XXXX XXXX XXXX XXXX XXXX, KY. My ChXXXX was completed and the federal court discharged the bankruptcy in XX/XX/XXXX. Over the last two years since the discharge, XXXX XXXX XXXX has continue to disobey federal bankruptcy laws and continue to change information at the their bank without my knowing to report to the credit bureau showing that the bank was n't included in the bankruptcy or to change dates, amounts and terms to hinder my credit. They have currently reported ( XX/XX/XXXX ) to credit bureau a new duplicate account showing that the original account is active since the actual discharge date of the bankruptcy I 've talked to many employees at the bank over the years, I 've even hand delivered bankruptcy papers and talked to mangers at the bank but they continue to report false information to the credit bureau. This is a horrible situation that me and my family are dealing with, we cant get a home loan due to XXXX XXXX XXXX  reporting false information. I 'm worrying myself XXXX over this and even had to see a doctor about my XXXX. I hope that you all can help me and my family. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 I purchased three automobiles. Being well aware of how credit works, I specifically instructed each dealership to ONLY pull my credit one time. I did NOT authorize any additional credit inquiries. Without my knowledge each dealership pulled my credit multiple times resulting in my credit score dropping over 100 points. The inquiries I did NOT authorize are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX AZ 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 This happened with all three dealers and involve Trans Union, XXXX  and XXXX   credit bureaus. I wrote letters ( attached ) to all three demanding they show me proof of me authorizing these inquiries which I have the legal right to do via FCRA 609 and 611. They refused my request and stated the inquiries would stay on my credit for two years. They are flaunting the law and I am filing a formal complaint with you to get these  inquiries removed immediately. 

If you have any questions, you can contact me directly.
Product: Credit reporting or other personal consumer reports

I need your help with this incorrect account that is showing up on my credit report. This issue has been damaging to my reputation, and I require your assistance. Your mishandling of my credit report has left me devastated because your inaccurate reporting has harmed my reputation. These errors must be addressed so that I can live peacefully with my family.
Product: Debt collection

XX/XX/year> a credit application was submitted on behalf of the XXXXXXXX XXXX by XXXX XXXX, a salesperson at XXXX XXXX XXXX XXXX XXXX. The salesperson falsely represented a salary, with knowledge of its falsity, with the intent to deceive, making the trust estate rely on the misrepresentation. The securitization of the retail installment agreement by XXXX XXXX XXXX, which allowed for the dealers book to clear for the underwriting of more credit applications, exhibits the acknowledgment of the salary verification process used by their partner XXXX XXXX XXXX XXXX XXXX as well as the salary verification document used to verify the salary, if any. HEAVNER, BEYERS, & MIHLAR LLC are attempting to collect on a debt deceitful from its inception, in which the managerial accounting attributed to the trust estate located at both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX will demonstrate. Let this also be a notice that allows HEAVNER, BEYERS, & MIHLAR LLC to send correspondence through CFPB portal.
Product: Money transfer, virtual currency, or money service

I transfer money to my cousin in XXXX on XX/XX/ and money was debited from my account on XX/XX/ but receiver never received the money. Today I call Western Union to find out what is going on with my transfer. They told me transaction on hold due to need more information regarding receiver. I told them when were you going to inform me they try to tell me they send me the email but he could not tell me when email was sent. Thay just lie about email and sit on my money without notifying me or receiver.
Product: Mortgage

In XX/XX/XXXX, I was unable to pay my mortgage through Loancare for that month. I made an agreement with them to pay the XX/XX/XXXX payment over a 4 month period on top of my regular payment of {$800.00} a month. So for the next 4 months I paid {$800.00} plus the {$200.00} for XX/XX/XXXX being over {$1000.00} on a monthly basis for the next 4 months. During those 4 months it was showing that I was late on my payment every month summing it up to {$50.00} in late fees. When I finished with the payment plan I called Loancare and inquired about this late fee that was accrued while I was on a payment plan. The customer service representative looked into account and confirmed I was on a payment plan and waived the fees. 
I still do n't understand why my credit report still is showing late payment when payments were made on time while I was on the payment plan fromXX/XX/XXXX-XX/XX/XXXX. Can you please assist me in updating my credibility by removing late payments during those months on my credit report? It is hurting my score. 

Thank You
Product: Student loan

XXXX XXXX, a large loan servicer, no longer has an easy way to find the loan payoff amount. They changed their website and neglected to implement a solution that is easy for a customer to find. I've spend more than an hour looking. I've also followed up by sending emails to their customer helpline. 

As a regulator, I hope you'll find it concerning that a loan servicer is making it difficult for consumers to payoff their loans in full in order for them to continue to accrue interest. Whether purposeful or not, I believe action should be taken as this is not the first time the company is doing shady things. Just last month New York sued XXXX, the organization that operates XXXX, over wrongly denying loan forgiveness to public servants.
Product: Credit card

I purchased a DBO account with XXXX XXXX for {$490.00}. I never received the card or the service that was supposed to be provided. This was in XX/XX/XXXX. The company went out of business in XX/XX/XXXX, never providing services and the phone numbers are not in service. I submitted a dispute with American Express and was told it was greater than 60 days since purchase to contact the company. I told them I can't. They won't do anything further.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian 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 XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Experian 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 XX/XX/2022 Experian 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 Experian XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I deposited my XXXX XXXX Stimulus check, and upon the bank 's Disclosure and Agreement, even for the new accounts, the check MUST be available on the next business day that's also what the bank teller told me. However, they put an extended hold for which I had to waste 3 hours of my work morning to find out what's going on. When I reach the representative, he said it's your first deposit so that's why there is a 5 business day hold on the Government Check. I told him to give me a temporary credit and while I was finishing my sentence he hangs up on me. I tried to chat with several representatives, no one helped me. They are violating their own disclosers and my rights and there is no one to contact with. 
I also made cfpb complaint # XXXX and received emails from the bank saying - We are still investigated your complaint.

However, after wasting 2-3 months, all I received was thair Deposit account agreement and that they have the right to close my account. The company 's response is nonrelevent and does NOT address to my questions and concerns.
Besides this problem, bank says they are planing to close my accunt. It's been over 3 months and I still haven't receive my account closing balance. They are holding my money and are not sending me a check while claiming the account is being closed. My rights are seriously violated. I wasted 3 months waiting for thair answer and for my money in the mail and they failed to do both. Their account agreements are NOT answering my concerns. If company continue to ignore I will move to Federal Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to express my extreme dissatisfaction and frustration regarding the lack of response and cooperation from the creditors in validating the debt associated with the accounts listed below. This matter is of utmost urgency, and your blatant disregard for providing the necessary documentation is unacceptable. Despite my repeated attempts to seek validation of this debt, your organization has failed to provide any satisfactory response. What is particularly distressing is that, upon reviewing my credit report, I discovered that this account is erroneously marked as a charged-off account with an outstanding balance. This misinformation is damaging to my financial standing and creditworthiness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 ; I recently bought a car and the dealership was excessively pulling my credit
Product: Credit reporting or other personal consumer reports

Subject : Request to Cease Reporting of Unauthorized Information on Credit Report Dear EdFinancial Services, I am writing to formally request the immediate cessation of reporting EdFinancial loan information on my credit report. This request is made pursuant to the rights granted under federal law, specifically 15 U.S.C. 6802 and 15 U.S.C. 1681a, which govern consumer privacy and the authorization of reporting information to consumer reporting agencies.

Under 15 U.S.C. 6802, financial institutions are required to provide notice to consumers and obtain their explicit consent before sharing their nonpublic personal information with third parties. Furthermore, under 15 U.S.C. 1681a, the Fair Credit Reporting Act ( FCRA ) explicitly defines and limits the circumstances under which information may be furnished to consumer reporting agencies. These statutes underscore my right to control and authorize what information is reported on my credit profile. 

I have never provided EdFinancial Services with authorization to report any loan or related information on my credit report. Absent my explicit authorization, the continued reporting of this information constitutes a violation of the above-referenced statutes. Furthermore, case law has affirmed the necessity of explicit consumer consent in similar matters, such as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX  ), which emphasized adherence to the strict provisions of the FCRA. 

I kindly request that you : Immediately cease reporting any information related to EdFinancial loans to credit reporting agencies. 

Notify all credit reporting agencies to whom you have reported such information that it must be removed. 

Provide written confirmation that this request has been fulfilled within 30 days of receipt of this letter. 

Failure to comply with this request will leave me no choice but to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing further legal action to enforce my rights under federal law. 

Thank you for your prompt attention to this matter. I look forward to receiving your confirmation of compliance. Please direct all correspondence regarding this matter to the address listed above. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX - I opened a XXXX XXXX Membership and the Customer Service promoted a XXXX XXXX - My XXXX XXXX Mastercard so that I could earn rewards. I agreed and the Customer Service clerk at XXXX XXXX  ran the credit application through and it was approved for {$6000.00} dollars at a 14 % interest rate. The XXXX XXXX XXXX XXXX XXXX Mastercard earned 3 % cash back at XXXX XXXX XXXX, {$.00} cents off each gallon of gas and 2 % cash back at non-XXXX XXXX XXXX XXXX. 

I shopped and purchased items for XXXX. I waited for thXXXX XXXX XXXX XXXX XXXX XXXX Mastercard to show up and instead on XXXX XX/XX/XXXX I received a letter stating they were closing my account. I didn't understand this because I have a XXXX credit score and I always make my payments on time. I called XXXX XXXX  and the agent at XXXX XXXX  said that they closed it because " I was a risk ''. 

I received the statement for my purchases and I earned {$5.00} cash back which was never given to me. 

I feel the whole process is a giant scam to promise people earned rewards and then close the account within a month. 

1. XXXX XXXX  was quick to close the My XXXX XXXX XXXX account at a 14 % interest rate- but they have since allowed me to open 2 accounts at 30 % interest rates. 

2. XXXX XXXX absorbed the money I earned in cash back ( {$5.00} ). The CFPB should examine all of XXXX 's credit line accounts for any that go through a credit check to get pre-approval to be opened, and then subsequently are closed within the next 30 days. This is fraud. If I was a credit risk, they should have denied the credit card immediately BEFORE I was allowed to make any purchases.